vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: Google Compare Credit Cards Inc.
State: IL

Complaint narrative:
Subject : Unauthorized Charge and Overdraft Caused by Google Subscription Billing I am filing a complaint regarding an unauthorized recurring charge processed by Google that resulted in financial harm. A subscription that I was unaware was still active attempted to charge an older payment method on file, which was declined. Without my authorization or notification, Google then charged a newly added debit card associated with my Google account. I did not give explicit consent for this new payment method to be used for this subscription. This unexpected charge caused my bank account to overdraft, resulting in additional financial hardship and fees. I immediately contacted Google to request a refund, explaining that : I was unaware the subscription was still active The charge was processed using a different payment method without my knowledge The charge caused an overdraft Google denied my refund request without adequately addressing these concerns. I have also contacted my bank to dispute the charge. I am requesting : A full refund of the unauthorized charge Reimbursement for any overdraft fees caused by this transaction A review of Google 's billing practices regarding charging alternate payment methods without clear consumer authorization This situation has caused unnecessary financial harm, and I am seeking a fair resolution.

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 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am disputing the handling of my account following my payment of {$1700.00} on XX/XX/2025, which was made in full XXXX on time for the statement balance. After this payment, a residual balance of approximately {$4.00} remained, which appears XXXX be trailing interest. However, this was not clearly disclosed at the time of payment, nor was I adequately notified that an additional payment was required XXXX avoid penalties. As a result, this small residual amount was allowed XXXX accumulate late fees XXXX interest over XXXX billing cycles, increasing XXXX approximately {$85.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This entry reflects a credit pull that I neither requested nor approved at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a written request for debt validation via XXXX XXXX Mail on XX/XX/year>. The letter was delivered XXXX XXXX signed for at the company 's facility at XXXX XXXX on XX/XX/year>. I have XXXX delivery confirmation documenting this receipt. Despite confirmed delivery of my written dispute, the company failed XXXX provide any verification of the alleged debt as required by XXXX XXXX. XXXX. Instead, on XX/XX/year> XXXX days after receiving my dispute and without providing any verification the company sent me a Pre-Legal Notification threatening legal action. This represents at minimum XXXX violations of the FDCPA : failure XXXX cease collection activity upon receipt of a written dispute, XXXX failure XXXX provide verification of the debt before resuming collection activity. On XX/XX/year>, I sent a formal response letter via XXXX XXXX Mail reiterating my dispute XXXX demanding verification XXXX cessation of collection activity. The company has yet XXXX provide any debt verification whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: NV

Complaint narrative:
Way2Go/Conduent locked my PIN and requires a participant ID they never issued. I have no way to access my balance or transaction history. This violates EFTA and CFPB prepaidcard rules requiring free access and functional customer service for government benefit cards. I have tried to no avail to reach a live person but the child support office nor any other party provides any live customer service option to resolve an issue that way to go and child support created. It has been at least three or more years that way 2 go and the child support office have been made aware of this issue and to this date they still have not resolved it. Either child support or the way 2 go program could have issued new cards with the participant ID information or sent them separately and that has not happened. I have lived in the same place for the last 10 years. I have not received my participant ID EVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I deposited {$300.00} into my Coinbase account using XXXX XXXX. During the transaction process, Coinbases interface explicitly stated that funds deposited via XXXX XXXX would be instantly available for trading and transfers. However, immediately after the deposit was completed, I found that my {$300.00} balance was frozen and unavailable for withdrawal or transfer. I contacted Coinbase Support for clarification. They informed me that my XXXX XXXX funds were being held because a separate, prior transaction of {$500.00} via ACH was still pending. I am filing this complaint for the following reasons : 1. Misleading Disclosure : Coinbases user interface explicitly marketed the XXXX XXXX deposit as " Instantly Available. '' I relied on this information to proceed with the transaction. XXXX. Unjustified Collateralization : These are two independent transactions using different payment methods. Freezing a guaranteed XXXX XXXX deposit due to a separate, pending ACH transfer is an undisclosed and unreasonable practice. XXXX. Failure to Disclose Policies : Coinbase failed to disclose at the time of the XXXX XXXX transaction that fund availability would be contingent upon the status of other unrelated transfers. XXXX. Ineffective Customer Support : I have contacted Coinbase Support regarding this issue, and the representatives were unable to provide any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Experian CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Illegal Reinsertion of Fraudulent LA XXXX XXXX XXXX Account XXXX Violations To Whom It May Concern, I am formally disputing the illegal reinsertion of a fraudulent account on my Experian credit report : LA XXXX XXXX XXXX XXXX Account This account was never applied for, authorized, or used by me and is the direct result of identity theft. Experians repeated reinsertion of this account demonstrates a clear failure to protect my consumer rights and comply with federal law. Your actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and FACTA, including : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Illegal reinsertion without proper certification or required 5-day notice 15 U.S.C. 1681c-2 ( FACTA 605B ) Mandatory blocking of identity theft information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681b ( a ) ( 3 ) ( A ) No permissible purpose for reporting this account Experian has failed to notify me of reinsertion, failed to provide any lawful certification from the furnisher, and failed to maintain reasonable procedures to prevent the reappearance of known fraudulent dataclear compliance failures. Furthermore, this account lacks any lawful contractual basis and implicates : 42 U.S.C. 408 Fraudulent use of personal identifying information 15 U.S.C. 1602 ( g ) No valid consumer credit transaction exists UCC 3-104 No negotiable instrument or signed agreement bearing my authorization 31 U.S.C. 5118 No lawful enforceable obligation There is no contract, no authorization, and no legal obligation tying me to this account. Experians conduct rises to willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. Demand for Immediate Action : Immediate and permanent deletion of the LA XXXX XXXX XXXX account from my Experian credit file Placement of a permanent FACTA block to prevent any reinsertion Full disclosure of the method of verification used Copies of any furnisher certification authorizing reinsertion Written confirmation that this account will never be reinserted again Failure to comply will result in escalation through the CFPB and pursuit of legal remedies for damages caused by Experians ongoing violations and failure to safeguard my credit file. Sincerely, XXXX XXXX XXXX

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 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Prosper Marketplace, Inc.
State: GA

Complaint narrative:
I was under payment and the company stop my payment and send the loan to collection then charge off. I request for removal they violated the federal credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, I was charged {$1000.00} by a merchant ( XXXX XXXX ) for repair services on my vehicles instrument cluster. The merchant guaranteed the repair would be completed and stated that if it did not work, I would receive a refund. After the initial payment, the merchant continued requesting additional money and had me purchase tools he claimed were necessary. Despite months of delays and repeated assurances, the repair was never completed. I ultimately requested my item back, and the merchant refused to issue any refund. I disputed the {$1000.00} charge with CitiBank as services not rendered and merchant misrepresentation. CitiBank denied my dispute solely based on the amount of time that had passed since the original transaction. However, this was an ongoing issue over several months, and the dispute timeline should be based on the last date of service or the merchants refusal to refund, not the original charge date. CitiBank failed to properly investigate the substance of the dispute, including the merchants guarantee and failure to deliver the service. I am requesting that CitiBank reopen this dispute, properly classify it as services not rendered/merchant misrepresentation, and issue a credit for the {$1000.00} charge. I have documentation supporting my claim, including communications showing the merchants promises, delays, and refusal to refund.

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 2026-04-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
In XX/XX/XXXX, I applied for an apartment managed by the company I am filing against. My scheduled movein date was XX/XX/XXXX. In the weeks leading up to that date, communication from the property was extremely poor. I had to visit the office in person just to get updates because phone calls and emails went unanswered. My movein date was then delayed by eleven days, and the monthly rent I had agreed to was increased by {$150.00}. I also never received a welcome letter or movein packet. Because the terms kept changing and no services were provided, I chose not to move forward. No lease was signed, no keys were issued, and I never lived at the property. On XX/XX/XXXX and XX/XX/XXXX, I paid a total of {$250.00} to the propertys payment processor ( two transactions : {$200.00} and {$50.00} ). Both payments cleared successfully. There was no NSF, no reversal, and no returned payment. I was never notified of any outstanding balance at any point in the last XXXX years. On XX/XX/XXXX, I learned that the property had sent my information to a debt collector claiming I owed a {$49.00} fee that bounced for NSF. This claim directly contradicts my bank records. The amount they are claiming does not match the amount I paid, and there is no record of any NSF event. I contacted the property to request clarification and documentation. They refused to discuss the matter with me. I am disputing this debt as inaccurate and invalid. I am requesting that the false information be removed from my credit report and that the company provide documentation supporting their claim, including the original ledger, the alleged NSF record, and any notice they claim to have sent.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On XXXXsubmitted disputes with the both credit bureaus disputing these collection amounts. XXXXreceived notification that the dispute was completed and the account remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I was the victim of a scam on XXXX XXXX in which I paid for equipment that was never delivered. I immediately contacted Chime to report the transaction as fraud and requested a recall or investigation. Despite clearly explaining that the transaction was induced by fraudulent misrepresentation ( goods not received ), Chime refused to investigate and classified it as authorized without considering the scam context. Additionally, during a lengthy support call, I was disconnected after nearly XXXX hours while actively trying to resolve the issue, and no follow-up support was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
am filing a complaint regarding the servicing of my federal student loans by XXXX. In XXXX, I had a pending Borrower Defense to Repayment application. Based on this status, I understood that my loans should have been placed into forbearance and not subject to normal repayment expectations. Despite this, I observed interest accruing on my account in late 2023. I have retained screenshots documenting this interest accumulation. At the same time, I received communications and billing pressure from XXXX indicating that I owed a growing balance. Based on this informationwhich I now believe may have been incorrect or improperly appliedI felt compelled to pay off my loans in full in late XXXX. As a result, I used a substantial portion of my personal savings to satisfy a balance that may have been inaccurately calculated due to : Improper interest accrual while I had a pending Borrower Defense application Failure to correctly apply protections associated with that status Potential misapplication of repayment plan benefits, including those under the SAVE Plan I am requesting : A full audit of my loan account, including interest accrual and status during XXXX A determination of whether interest was improperly charged or capitalized A refund of any amounts paid that exceed what I legally owed under the correct application of federal rules I am prepared to provide supporting documentation, including screenshots and payment records. This situation caused significant financial harm, as I relied on the accuracy of my loan servicers information when making the decision to pay off my balance. I request a formal investigation and written response

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: OH

Complaint narrative:
I am filing a complaint regarding an inaccurate and improperly handled debt being reported and/or collected by IQ Data International related to XXXX XXXX XXXX XXXX XXXX XXXX I formally disputed this debt in or around XX/XX/XXXX. However, I did not receive a response until XX/XX/XXXX, representing a significant and unreasonable delay that raises concerns about the handling and accuracy of this account. Upon reviewing the documentation provided, there are clear inaccuracies. The account reflects multiple charges for a lease termination. On XX/XX/XXXX, I was charged a break lease fee of {$2800.00}, which was the agreed-upon amount. However, on XX/XX/XXXX, an additional break lease fee of {$4200.00} was charged. This appears to be a duplicate or improper charge. Additionally, I was charged rent for the month of XXXX despite vacating the property on or about XX/XX/XXXX. There are also inconsistencies in the balances reported. An earlier collection notice reflected a balance of {$7200.00}, while more recent correspondence reflects a principal balance of {$5900.00} The documentation provided does not include any signed agreement, invoices, receipts, or evidence supporting the charges beyond a summary ledger. As such, the debt has not been properly validated. Given these discrepancies, inaccuracies, and lack of proper validation, I dispute the validity of this debt and request that it not be reported to any credit reporting agencies unless accurate and complete documentation can be provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I am submitting a complaint about my FHA mortgage loan serviced by XXXX XXXX XXXX XXXX XXXX XXXX and owned by XXXXXXXX XXXX XXXX My loan number is XXXX. The property address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I am approximately 26 months delinquent due to a documented medical hardship involving a spinal/lower back injury, job loss, and extended medical travel. I am now medically recovered, back in the United States, and actively seeking employment. Mr. Cooper sent me a Payment Supplement approval letter dated XX/XX/year>. The offer requires a 3-month Trial Period Plan payment of {$5900.00}. The same letter states that the mortgage terms and interest rate do not change, and that the FHA Loan Modification option was not approved because it did not meet the initial minimum principal and interest reduction required. My complaint is that the offered payment is not affordable or sustainable, and I do not understand the calculation used to reach this result. I requested a full FHA loss-mitigation review and need a written explanation of all options reviewed, including the detailed calculation for : XXXX the Payment Supplement trial payment amount, XXXX the Partial Claim amount, XXXX the escrow amount included, XXXX whether a 40-year option was evaluated, XXXX why the FHA Loan Modification did not meet the required reduction threshold . There is also an active foreclosure matter pending, and I need the servicer to provide a clear written explanation of the lowest available sustainable option and to confirm whether my package is complete and under review. I am requesting CFPB assistance because I need a clear written response from the servicer regarding its FHA loss-mitigation review and the basis for the payment amount offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I recently filed a complaint with CFPB regarding Rersugent Capital Services also known as LVNV Funding. They sent the attached letter in response to the complaint. The response provided fails to validate the debt. The entity claiming ownership ( LVNV Funding LLC ) and the entity attempting to collect ( Resurgent Capital Services ) are affiliated companies. No documentation was provided to establish a complete chain of title, nor proof of authorization for Resurgent to collect on behalf of LVNV. Additionally, no signed agreement or full account-level documentation was included. I am requesting proper validation or deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation