vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XXXX, I make a {$4000.00} purchase before I leave to go on my vacation in XXXX XXXX when returning back in XXXX I see some transaction on my account. I reported these transaction and didnt know American Express been using my XXXX account to fund these fraudulent transaction XXXX they take {$1000.00}. XXXX take XXXX in XXXX take out XXXX out chase bank helping XXXX XXXX fund them fraudulent transactions I do not have a XXXX account and these charges is still on my account and they are still looking for me to pay for it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX P.O. XXXX XXXX XXXX, TX XXXX RE : Debt Validation Request XXXX Whom It XXXX Concern : I am writing XXXX formally request validation of the alleged debt referenced above under the FDCPA and FCRA. I dispute this debt XXXX request full validation. Until validation is provided, you must cease all collection activity. Please provide : XXXX. XXXX signed agreement XXXX. Full itemized statement of the debt XXXX. Original creditor information XXXX. Proof of your legal right XXXX collect XXXX. Proof of licensing in my state If validation can not be provided, you must delete this account from all credit bureaus. If reporting continues without validation XXXX XXXX, XXXX, or XXXX, it may be considered inaccurate reporting. Please respond within XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
i noticed an account was placed on my credit report, I have no knowledge of this account XXXX id not authorize the account XXXX be opened.

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 2026-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: FL

Complaint narrative:
I been trying close my cash app account XXXX XXXX make me a new Cash app bc someone was using my name XXXX social with out my permission XXXX authorize answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: PA

Complaint narrative:
I used my Cash App ( XXXX XXXX ) to purchase what I thought was XXXX pairs of jeans from company for XXXX or so dollars which was approximately XX/XX/year>. Alleged company above sent email with tracking number that says NOT FOUND with nothing else. I have NOT received any purchases from this fake company and Cash App told me they said the company fullfiled their part with NO evidence to substantiate it for ME THE CUSTOMER & denied me refund of my money and reporting XXXX for fraud. I want my money back and this company put out there for fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: PA

Complaint narrative:
MY ACCOUNT WAS COMPROMISED AND I DID NOT AUTHORIZE THESE CHARGES AND I SENT THE DISPUTE FORM WITHIN THE 10 DAY THROUGH EMAIL AND MAIL AND STILL MY FUNDS ARE NOT ON MY CARD

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Klarna AB
State: WA

Complaint narrative:
I made a purchase in XX/XX/XXXX using a company called Klarna. I didnt receive any of the items from my order, but for some reason said I still have to pay for one of the items. So they refunded me my down payment supposedly in XX/XX/XXXX, but I dont have that refund. It never showed up at my bank so I gave them copies of my bank statements for XXXX and XXXX showing that Ive never gotten that refund and they dont seem to care they keep saying that the refund was given back to me yet. I dont have that refund at all. Now theyre trying to charge me another {$230.00} for an existing balance that I shouldnt have to pay because I havent gotten my money back that money refund that I was supposed to get was supposed to cover that and still give me some money back its messing up not only my credit because theyre reporting it as if I havent made a payment and they keep trying to pull it from my bank and theyre about to make me go overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
I sold my car on XX/XX/year>. I canceled my registration on XX/XX/year>. I received notification from PAM ( professional account management ) that I owed XXXX for a toll violation. I recognized my sold car in the toll photo, but it had a different license plate. The new owner got the violation, but I was being billed for it. Because I didnt have any documentation with the current vehicle license plate ( which I dont have because I sold the car ), they kept denying my dispute. I can not get them to understand that the car is no longer mine and I dont have the new license plate number on any of my documentation.

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 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
M & T Banks actions constitute clear violations of federal mortgage servicing regulations under 12 CFR 1024.41 ( Regulation X ), including but not limited to : Violation of Dual Tracking Prohibition ( 12 CFR 1024.41 ( f ) & ( g ) ) A servicer is prohibited from initiating or continuing foreclosure proceedings while a complete loss mitigation application is under review. I was actively engaged in loss mitigation efforts. I was instructed to contact foreclosure counsel despite this status. Conflicting information regarding foreclosure status demonstrates improper continuation of foreclosure activity. Failure to Exercise Reasonable Diligence ( 12 CFR 1024.41 ( b ) ( 1 ) ) Servicers must exercise reasonable diligence in obtaining documents and facilitating loss mitigation. M & T Bank failed to provide consistent guidance regarding my application status. I was not clearly informed of any deficiencies or next steps in a timely or accurate manner. Failure to Provide Accurate Information / Misrepresentation M & T Bank has provided contradictory statements : Foreclosure counsel states proceedings are suspended. M & T Bank continues to represent that foreclosure is ongoing. This creates confusion, impairs my ability to respond appropriately, and may constitute deceptive servicing practices. Violation of Continuity of Contact Requirements ( 12 CFR 1024.40 ) Servicers must maintain accessible, knowledgeable personnel to assist borrowers. I have been unable to obtain consistent or reliable information regarding my account. Representatives have failed to coordinate or provide accurate updates. As a result of these violations, I have experienced : As a result of this, i have faced severe emotional distress and XXXX due to uncertainty regarding foreclosure status Impaired ability to pursue loss mitigation alternatives Risk of wrongful foreclosure despite good-faith efforts to resolve delinquency Financial instability exacerbated by conflicting and misleading information

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I was working for this company that deals with XXXX last year and I was using my Cash App account for that. Well when I resigned in the same year of 2025 because I had to pay and it took me not long to figure out what they were doing I asked Cash App for a refund of my {$50.00}. Well, Cash App said that since it was XXXX they don't do refunds with XXXX. I tried to go go through my bank at that time which was XXXX XXXX at the time and XXXX XXXX told me to go through the merchant which I did and I told XXXX XXXX XXXX that this was for XXXX and that I had got it through Cash App and that Cash App said that they don't do refunds on XXXX. Well, do you know that XXXX XXXX deined me the opportunity to get my {$50.00} back even though they had all the clear evidence that they needed. They wanted " proof '' that it was the merchant who was at fault. I have proof that I had bought the XXXX for {$50.00} from Cash App and that they should refund me my money back either with a check or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened up a checking account with chase recently. I have a credit card with them now. Just paid credit card off completely. Was blocked from my online banking and the ability to use my credit card. Prior to this i was blocked for XXXX months. Figured opening a checking account would make this easier and i was wrong. This has been going on for a total of XXXX months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ), a buy-here-pay-here dealer, for {$15000.00} with financing. The dealership issued a bill of sale but no valid title or registration. Instead, they provided fake registration documents and a fake license plate that matched no vehicle in XXXX system. They required me to sign XXXX contracts. The original was canceled by the manager, who claimed they could not transfer the used vehicle title to my name because it remained in someone elses name. They then forced me to sign a new contract under different terms. These actions were deceptive : fake documents, dual contracts, and failure to deliver title misled me into believing the vehicle was properly titled/registered. Despite repeated contacts over nearly a XXXX ( to XX/XX/XXXX ), the dealership refused to deliver a legitimate title, correct the registration, or replace the fake plate. As a result, I received XXXX traffic tickets ( including one for concealment of a vehicle ), incurred fines, and have continued paying the car note totaling {$4100.00} so farwith no usable title or registration. This violates CFPB rules under the Consumer Financial Protection Act ( CFPA ), prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ), including misleading consumers about vehicle/financing terms. It also aligns with supervisory findings on deceptive auto lending ( e.g., misrepresentations in origination, failure to provide timely titles post-transaction, and harm from improper practices in buy-here-pay-here financing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: MI

Complaint narrative:
In 2022 I was evicted from an apartment, even though fees were paid which I have cancelled checks. When I attempted to explain that to the C.A. ( Collection Agent ) they dismissed my claim without research. IQ Data International refused for three years to send any documentation to validate the claim. Failed to provide 1099 form or how my account was obtained or transferred. Fair resolution remove from credit report being I have not signed a contract with the company or given them permission to provide any agency with my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am writing to formally dispute this hard inquiry appearing on my XXXX XXXX XXXX XXXX credit report that I did not authorize. I have not applied for credit or a loan with this company, nor did 1 provide permission for my credit file to be accessed by them. This inquiry was made without my consent and is an inaccurate reflection of my credit seeking activity. Under the Fair Credit Reporting Act ( FCRA ), only inquiries with a permissible purpose authorized by the consumer should appear on a credit report. Because this inquiry is unauthorized, I am requesting that it be investigated and permanently deleted from my credit file immediately. Please notify me in writing once the investigation is complete and the item has been removed.

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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I reviewed my consumer credit reports and identified multiple accounts and tradelines that are inaccurate, unauthorized, or do not belong to me. Certain items are reported inconsistently across credit reporting agencies, reflect conflicting dates of first delinquency, or lack documentation establishing my legal obligation for the alleged debts. I submitted an Identity Theft Report to the Federal Trade Commission asserting that this information is the result of identity theft, misattribution, or unauthorized use of my personal information. Despite notice, the credit reporting agency continues to report the disputed information without demonstrating lawful verification. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft or misattribution unless it can be fully verified in compliance with federal law. I am requesting immediate compliance and removal or blocking of the inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: NC

Complaint narrative:
I received an email and text this morning stating that my account has been approved and open with US Bank. I called the bank to inform them that I hadn't open the account nor heard about them.

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 non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection issue that I believe may violate the Fair Debt Collection Practices Act ( FDCPA ). On or around XX/XX/year> I contacted the company regarding an alleged debt in the amount of {$1500.00}. The communication was made via mail and was told I own this debt. On XX/XX/year>, I request validation of the debt, disputing the debt, despite this, the company failed to provide validation. I am requesting that this matter be reviewed and that the company be required to comply with applicable laws and regulations. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
My XXXX account got shut down there's {$500.00} in it they won't release it to me for 180 days I have bills to pay like I'm about to lose everything I'm about to lose my house and my phones already shut off and yeah I've been trying to get this money for see I got the email on XX/XX/XXXX and they can just hold my money for 180 days like if it was me I'd be going to jail if I was doing something like that but this is very misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I dispute with credit bureau as Identity theft and no result no one provide me with no information And no one provide me with the method how they verify the account XXXX XXXX XXXX verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX | XXXX Date : XX/XX/XXXX TO : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX XXXX XXXX XXXX ( XXXX ) | XXXX XXXX XXXX, XXXX, VA XXXX Account Number : XXXX Subject : Formal Complaint for Violation of FCRA and TILA Inaccurate Reporting of Debt and Unauthorized Fees To the CFPB : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) for willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ). Recently, I received a response from the original creditor, Capital One ( CFPB Case : XXXX ), which provided documentation proving that the data currently being reported by XXXX to XXXX credit file is factually incorrect and grossly inflated. Specific Points of Dispute : XXXX. Inaccurate Debt Amount ( TILA Violation ) : Capital Ones official records state that the last charge billed to my account was {$64.00} on XX/XX/XXXX. However, XXXX XXXX XXXX is reporting a balance of {$430.00}. This is a difference of {$370.00}. Under the Truth in Lending Act, I am entitled to a full, transparent accounting of how this balance was calculated. XXXX has failed to justify this inflated amount or provide any legal contract from the original creditor that authorizes the addition of such significant interest or fees. XXXX. Incorrect Account Dates ( FCRA Violation ) : XXXX is reporting a " Date Opened '' of XX/XX/XXXX. However, Capital Ones documentation explicitly states the account was sold to XXXX on XX/XX/XXXX. Under the FCRA, credit bureaus and furnishers must ensure " maximum possible accuracy. '' Reporting incorrect dates of acquisition is a failure to comply with federal reporting standards. XXXX. Failure to Conduct a Reasonable Investigation : Despite my previous disputes, XXXX has verified this information as " accurate '' to the credit bureaus. It is clear that a " Reasonable Investigation '' under FCRA Section 611 was not performed, as a simple audit of the original creditor 's datawhich I now possesswould have shown the balance discrepancy immediately. Requested Resolution : I demand that XXXX XXXX XXXX XXXX XXXX provide a complete, itemized breakdown of the {$430.00} balance they are claiming. If they can not provide the original signed agreement and the legal " Chain of Title '' authorizing these additional charges, I demand that this trade line be purged and deleted from my credit report entirely to correct this reporting error. I have attached the response from Capital One as evidence of this discrepancy. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I had an account with XXXX internet service and this account was included in my XXXX XXXX in 2025. XXXX forward this account to Eastern Account System and will not remove from all of my reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
This is my 3rd complaint. They have lied to the cfpb every time they have responded. They never have me a chance to get my funds off my account back in XXXX. They still have never allowed me access.

Company response to consumer: Closed with explanation