vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
I want all three bureau to pay fine for misrepresentation of my credit and restoration of previous score and removal of derogative remarks immediately not 30 days under the new laws they all XXXX. XXXX and XXXX are liable for XXXX a day fines through out the duration of this misrepresentation thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I am a victim of identity theft. I have attached a file of my police report below. I have had multiple accounts opened up under my identity. I have extreme concerns about the GS bank account opened under my name to which I unfortunately do not have the account information for. My attempts to contact them have been unsuccessful however I do plan to continue my efforts. This account was closed with a remaining balance of {$520.00} and was opened XX/XX/year>. Since then, my credit score has dropped significantly. While I continue to try to resolve this, I would like to find a resolution so my credit does not continue to decrease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In XXXX of XXXX I attempted to contact XXXX XXXX XXXX ( XXXX ) for the XXXX time, as I had done several months before. I had an issue with my water heater several months before that, in which they required me to pay a fee as soon as I placed the work order, to get a contractor to take a look at my water heater. The contractor they had sent my work order to was in XXXX XXXX, about XXXX away from me during any work day. The contractor never showed up at my property, never returned my calls. I called XXXX, and they assured me that they would find another provider to take a look at my issue, months passed and that never happened. When I attempted to discuss my desire to cancel due to this and their refusal to refund the fee I was charged when no service was provided, I would get transferred and then disconnected. On their website, there is absolutely NO WAY to cancel or remove all payment sources, which sounds pretty predatory in my opinion. On their FAQ page, there is also no information on how to cancel your plan or who to contact. I tried calling the Service number and would get transferred and disconnected. I also tried their Sales line and experienced the same thing. My monthly payment was {$140.00}, and they had not provided any solution. In XXXX, we lost our home to a fire, and with no way to reach them, I reached out to my bank, filed a dispute, and put a stop payment for this merchant. The first dispute was for the amount of {$1300.00}. The bank closed this dispute in their favor because they claimed it was not fraud, but I did not claim fraud ; I claimed I did not receive the services I was promised and charged for. Fast forward to XX/XX/XXXX, I see in my bank statement that XXXX XXXX XXXX has continued to charge me for months under a different name. Without being aware and completely overwhelmed, without a stable place to live, I completely missed that they changed their name on the transaction in order to keep charging me {$140.00} per month. I never renewed anything with them ; they never provided a service to me when I needed it, or at any point, for that matter. It is impossible to keep someone on the phone as soon as I explain I was to cancel, let alone ask for a refund. There is absolutely no way to cancel plans on their website. I reopened the first claim that was wrongly closed and opened a new one for the months post them changing their name in order to bypass the stop payment that my bank issued. In short, they never provided the services they promised and stated on their website, brochures, and advertisements. They charged me an extra fee for a contractor who never showed up or fixed my issue. They changed their name in order to keep collecting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
Complaint against PayPal Unauthorized Transaction I am filing this complaint regarding an unauthorized transaction from my PayPal account that PayPal has refused to reimburse after multiple appeals. A payment of {$760.00} ( XXXX XXXX fee ) was sent from my PayPal balance as a Friends and Family transaction on XX/XX/year>. I did not authorize this transaction and did not send money to this person. There was also another attempt today on XX/XX/year>XXXX to get {$500.00} not authorized for me from my bank account that was reported to PayPal and the bank account linked. I contacted PayPal and filed disputes through their resolution process. I also submitted appeals, but PayPal denied my claims stating that the transaction was authorized. However, during a phone call with a PayPal agent, I was informed that the transaction originated from the XXXX XXXX. At the time of the transaction, I was physically located in the United States and did not access my PayPal account from outside the country. This strongly indicates that my account may have been accessed without authorization. Despite this information suggesting a possible account takeover or unauthorized access, PayPal has refused to properly investigate the incident and has closed the case. I am requesting that PayPal conduct a proper investigation into the login activity, IP address, and device used to send this payment, and that the unauthorized transaction be reversed. There is also a report with XXXX XXXX XXXX ( XXXX ). Consumers should not be held responsible for fraudulent transactions resulting from unauthorized access to their accounts. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: AR

Complaint narrative:
I received my check from my payroll, and it shows money transferred from account to a Netspend account. I contacted Netspend to stop transfers, and get refund as well as account info. NetSpend account password was reset so that I could have access to account created in my name, but still no access to account as of yet. I called Netspend back to speak with a repersentive, and explained the issue but was told they'd investigate. I was denied any information for the account created in my name, and was told to contact identity theft.gov. Here I am a month later with almost {$2000.00} missing, and no answers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: IN

Complaint narrative:
Sorry I made a mistake for my complaint I accidentally put it for fraud when it is unauthorized transactions I thought it was the same thing my apologies but cashapp did me totally wrong on my dispute and my appeal cuz person I know stole my phone XXXX my tablet on XX/XX/XXXX XXXX I filed a police report clearly XXXX I didn't do the transactions person I know stole my phone XXXX my tablet XXXX got into my cashapp XXXX took {$2800.00} XXXX borrowed {$55.00} XXXX {$20.00} XXXX took another {$75.00} XXXX {$31.00} I should have to take accountability for someone else wrong doing when it wasn't my fault and I had to buy me another phone the same day it's unauthorized transactions that I didnt do please look into my dispute cuz I didn't do the transactions at all I clearly have police report XXXX evidence I didn't do the transactions at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT REFLECT MY TRUE PAYMENT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRB-40, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am filing this complaint against DRB , LLC regarding unlawful debt collection activity. On or about XX/XX/, DRB , LLC contacted me via text message attempting to collect an alleged debt in the amount of {$480.00} purportedly related to a XXXX XXXX account. The communication identified DRB , LLC as a debt collector and demanded payment. This alleged debt is disputed. Despite attempting to collect this debt, DRB , LLC has failed to provide proper validation of the alleged obligation as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have requested validation of this alleged debt, including documentation proving that the debt exists and that DRB , LLC has the legal authority to collect or report the account. Specifically, DRB , LLC has not provided : A copy of the original signed agreement or contract A complete account statement showing how the alleged balance was calculated Documentation demonstrating chain of assignment or purchase of the alleged debt Proof that DRB , LLC has legal authority to collect or report this account Documentation showing the date of first delinquency Furthermore, DRB , LLC initiated contact through SMS text messaging without documented consent, which raises additional concerns regarding unlawful communication practices. I have formally demanded that DRB , LLC cease and desist all communications with me pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Any continued attempts to contact me without providing proper validation of the alleged debt will be considered willful violations of the Fair Debt Collection Practices Act. At this time, I am requesting that DRB , LLC : 1. Immediately cease all collection activity. 2. Provide full and complete validation of the alleged debt. 3. Cease reporting or attempting to report this alleged account to any consumer reporting agency unless it can be verified with competent documentation. If DRB , LLC can not produce sufficient documentation to validate this debt, the account must be permanently withdrawn and no further collection activity should occur. I respectfully request that the Consumer Financial Protection Bureau investigate DRB, LLCs collection practices and require them to comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: CA

Complaint narrative:
I sent {$2000.00} through Cash App for a watch purchase that was never delivered. The seller acknowledged the issue and promised a replacement but stopped responding. I attempted to resolve the matter directly and filed a dispute with Cash App but have not received the item or a refund. I paid XXXX XXXX XXXX. And XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
I am submitting this complaint as a victim of identity theft regarding a fraudulent account being reported on my credit profile by Credence Management XXXX. I have already submitted identity theft documentation, including my FTC Identity Theft Report and supporting documents, to both XXXX and Credence Management. Despite receiving this documentation, the fraudulent account continues to be reported on my credit file, which is causing ongoing harm to my credit score and financial reputation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a consumer submits a valid Identity Theft Report and identifies information resulting from identity theft, the credit reporting agencies and furnishers are legally required to block and remove that fraudulent information from the consumers credit file within four business days. I have complied with all legal requirements and provided the necessary documentation to prove that this account is the result of identity theft. Therefore, the continued reporting of this account is a violation of my rights under the Fair Credit Reporting Act. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ), debt collectors are prohibited from attempting to collect or report debts they know, or should know, are not valid. Credence Management has been notified that this account is fraudulent and continues to report it anyway. This inaccurate reporting is causing serious and ongoing damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am requesting that the credit reporting agencies and furnishers conduct a complete investigation of all disputed items, including inaccurate addresses, the collection account, and unauthorized inquiries listed above. Any item that can not be fully verified with accurate documentation under the Fair Credit Reporting Act ( FCRA ) should be promptly corrected or permanently removed from my credit report. I also request written confirmation of the investigation results and the methods used to verify each disputed item.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX Amount : {$1200.00} XXXX 2 ) XXXX Amount : {$3100.00} Date Opened:XXXX 3 ) XXXX XXXX Amount : {$980.00} Date Opened:XXXX 4 ) XXXX XXXX Amount : {$1000.00} Date openedXXXX 5 ) XXXX XXXX Amount : {$3200.00} Date OpenedXXXX 6 ) XXXX XXXX Amount : {$2600.00} Date Opened:XXXX 7 ) XXXX XXXX XXXX Amount : {$2400.00} Date Opened:XXXX 8 ) XXXX XXXX XXXX Amount : {$140.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX Amount : {$3400.00} Date Opened:XXXX 10 ) XXXX XXXX XXXX Amount : {$3100.00} Date Opened:XXXX 11 ) XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX 12 ) XXXX XXXX XXXX Amount : {$2800.00} Date Opened:XXXX 13 ) XXXX XXXX Amount : {$1700.00} Date Opened:XXXX Incorrect misspelled names listed : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
Please refer to attached documentation. Named borrower recently deceased, XXXX failing to acknowledge or confirm receipt of Certification of Death and XXXX 's own internal ruling allowing surviving spouse to remain in residence following that event. XXXX 's failure to communicate despite email and fax and XXXX letter confirms my worst fears -- that our HECM will be automatically processed as a " due amd payable ' with foreclosure process forthcoming. In violation of recent Letter Rulings by FHA in XXXX and XXXX which apply to our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding an improper late fee being charged on my Citi Bank Best Buy credit card account. I made a purchase on the account that was fully refunded. After the refund was processed, my account shows a {$0.00} balance. Despite this, Citi Bank is attempting to charge me a late fee for a purchase that was refunded and no longer exists on my account balance. Because the transaction was refunded and the account balance is {$0.00}, there should be no payment due and no late fee owed. Charging a late fee in this situation appears to be an improper billing practice and potentially a violation of fair billing standards. I have reviewed my account and confirmed that there is no outstanding balance, yet Citi Bank continues to attempt to collect a late fee. I have attempted to address this issue, but the fee has not been properly corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened this account with Capital One and gave them a XXXX deposit. In XXXX I paid off my balance and Capital One closed my account. They did not return my deposit of XXXX. I would like my card either restored or deposit Returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX XXXX issued a final bill dated XX/XX/year> totaling {$5800.00} after my business transferred all wireless lines to another carrier on XX/XX/year>. The bill included over {$5600.00} in equipment buyout charges on multiple lines that previously showed no remaining device balances. I disputed the charges with XXXX but did not receive a response. XXXX then sent the account to collections with The CBE Group, which is now attempting to collect {$6900.00} including a {$1000.00} collection fee. I dispute the balance and request investigation and correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Financial Asset Management, Inc.
State: CA

Complaint narrative:
CFPB, I am filing this complaint regarding XXXX XXXX and their handling of my account while it is in collections. I recently worked with the collections department to establish a payment arrangement in order to resolve the balance owed. However, despite setting up this arrangement, the company has not provided me with any written documentation or confirmation of the agreement. As a consumer, I believe it is reasonable and necessary to receive a copy of the payment arrangement that I entered into. This documentation is important so that I can verify the terms of the agreement, including the payment amount, payment schedule, and the total balance expected to be paid. I have not been provided with any written confirmation by email, mail, or through my account. Without a copy of the agreement, I have no way to confirm that the arrangement being enforced matches what was actually discussed. This lack of documentation creates uncertainty and puts me at risk of misunderstandings or disputes regarding the terms of repayment.

Company response to consumer: Closed with explanation