vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Albert Corporation
State: SC

Complaint narrative:
I have a loan that I borrow from albert I have done this several times on XX/XX/XXXX they took money not from acct but my XXXX XXXX  acct which I never authorized because it is thru plaid verification it shows all accts will not let me uncheck any accts I don't want used I advised them of this and there only response is they take money from any acct when my acct does not have it and that if I didn't want money taken from that acct I must add a new financial institution

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
Checked payoff with Mazda Financial. Amount created questions about dealer application of XXXX XXXX XXXX. Determined that I never received lease & tranaction documents. 

XXXX Emailed XXXX XXXX, XXXX XXXX @ Independence Mazda, Charlotte requesting lease & sale . Over the course of several emails exchanges, XXXX XXXX claimed that 1 ) another manager was sending the documents, 2 ) the dealership had changed computer systems & XXXX ) the documents were sent to the wrong email address. XXXX XXXX ghosted my most recent request. 

Bottomline, I want to verify that I was given proper credit for the {$7500.00} XXXX XXXX XXXX which the dealership retained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal close my account and wont give my money back, very bad company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter is sent pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ). 

I dispute the validity of this debt and request full validation. Please provide the following : XXXX. The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges XXXX. The name and address of the original creditor XXXX. Copies of any documents bearing my signature that show I agreed to assume this debt XXXX. Proof that you are legally authorized to collect this debt in my state XXXX. A complete payment history of the alleged account Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. 

If this debt has been reported to any credit bureau, please note that it is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation
State: IL

Complaint narrative:
My name is XXXX XXXX, and I am filing a complaint with the CFPB to report retaliation fraud. Reginal finance is now charging their customers fees to make their monthly payments online because the CFPB is suing them for fraud. They're trying to apply unauthorized fees to cover that lawsuit midway through the loan payoff process that was not disclosed with the initial loan terms/agreement in the beginning. The amount of the fee is {$2.00} that they're now applying to my payoff. My normal monthly payment is {$120.00} without the fee. Now my monthly payment is {$120.00} that I just processed. The CFPB can contact XXXX XXXX  to confirm my new monthly payment that I just processed with my checking acct on XX/XX/XXXX. I am also attaching a copy of my e-statement from XX/XX/XXXX proving my allegations, because they're mad we're not refinancing midway throughout payoff based on previous lawsuits being rendering against this fraud company. I am also attaching screenshots of my findings. Please attach my new findings to an already ongoing lawsuit. They also are requiring consumers to download a new app through the XXXX XXXX XXXX  so they can apply these fees. All the CFPB have to do is confirm these allegations with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
USAA Federal Savings bank approved a personal loan and issued a USAA cashiers check via overnight mail for the loan proceeds. I deposited the cashiers check into my local bank account. After the deposit USAA placed a stop payment on the check. USAA provided no explanation for the stop payment despite my requests. I was not notified in advance and the check had already been deposited when the stop payment occurred. This action has caused financial risk and incurred stop payment fee and has left me without clarity as to whether the stop payment was an internal error or compliance action. I am requesting written confirmation of why the check for the funds was stopped, whether the loan was formally rescinded, and confirmation that I am not responsible for any returned-item fees or negative reporting to this issue. As of today I have not received any written explanation from USAA. My bank has indicated the return was issuer-initiated. 

Account number XXXX Loan type UNSECURED FIXED RATE LOAN Interest rate XXXX XXXX Original loan amount {$13000.00} Original loan start date XXXX XXXX, XXXX Original payoff date 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 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/year>2025 I called the bank Capital One ask them why my check is not in my account yet they told me because of the new year and taxes but my check is already taxed by my job so why would they be trying to tax me? Although I normally get paid XXXX days early? I still should receive the same service, Nothing should change. All my bills come out on the first and I still dont have my check, so now Im late paying my bills rent and all. I have to pay late fees because of this, my credit limits are decreased because I could not pay on time and this could affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I activated the following offer on my Citi / AAdvantage Platinum Select Card. 
Earn XXXX XXXX XXXX XXXX  miles on eligible online purchases through XX/XX/XXXX Activate and earn XXXX XXXX miles per {$1.00} spent, up to XXXX XXXX  bonus miles, on eligible online XXXX made with your card at : Online retailers I downgraded my card to Citi XXXX XXXX card and the customer service representative said that the offer is still active. I made the requisite charges to my card. However now Citi is denying the offer existed on my card. 

If I click on the link in my email, it still says the offer is active ( details below ) Don't Forget, XXXX, You're earning XXXX XXXX  miles per {$1.00} spent, up to XXXX XXXX  bonus miles, now through XX/XX/XXXX on eligible purchases you make online. 

Offer excludes restaurants and XXXX XXXX XXXX purchases earning additional miles. 

Purchases must post to your account during the promotional period to qualify. 

You enrolled in this offer on XX/XX/XXXX XXXX PM

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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
b'I was deceived by XXXX XXXX  to take cash in advance from my credit cards in the amount of XXXX  dollars.  $XXXX  from each card.\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX  am reporting that I took cash from my credit cards under fraud inducement.XXXX XXXX used false pretenses and misrepresentation forcing me to go to the XXXX MN bank at the XXXX XXXX XXXX XXXX and take cash from my credit cards to pay a fee of XXXX  USDC. If I paid that amount I would get my money back back, so the promise went from XXXX XXXX..\n\nNot only that buXXXX XXXX MN Bank had full visibility for the money that was promised to me and the amount I was told I needed to pay to get my money back.  They had visibility of my XXXX and the pictures I am sharing.\n\nBecause I had to take cash from my credit cards and Wells Fargo denied me my previous claims I had to consolidate my debt and lose my credit cards plus damage my credit!\n\nI am being forced to take equity out of my Condo that will Permanently\nraise my mortgage to pay this consolidated debt! \n\nUnderstand how serious this is!  This was the very end of an elaborate fee fraud that lasted from XXXX XXXX XXXX XXXX XXXX   This was the very last fee that was supposed to get my money back.  \n\nSee attachments.'

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 2026-01-01 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing a complaint against Goldman Sachs Bank USA, issuer of Apple Card, for failure to protect me from an unauthorized recurring charge. 
In XX/XX/year>2025, I made a single purchase from a merchant called XXXX XXXX. When I learned that the merchant intended to enroll me in recurring shipments, I immediately declined. The merchant issued a full refund on XX/XX/year>2025, which confirms cancellation and termination of any authorization. 
After that refund, I did not place any additional orders, did not agree to any subscription, and did not authorize any future charges. 
Despite this, on XX/XX/year>2025, the merchant charged my Apple Card {$100.00} without my authorization. 
I disputed this charge as unauthorized. Apple Card and Goldman Sachs denied the dispute, stating that the transaction was not canceled in accordance with the merchants terms and conditions. This reasoning is incorrect. 
This is not a dispute about cancellation terms. This is an unauthorized charge. Once a refund is issued, authorization ends. Any subsequent charge requires new affirmative consent, which was never given. Merchant terms can not override cardholder authorization requirements under federal law ( RegulationXX/XX/XXXX ). 
I am requesting that CFPB require Goldman Sachs Bank USA to permanently credit my account {$100.00} and ensure my Apple Card is protected from further unauthorized charges by this merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Account is for XXXX XXXX and they sold it to another company after knowing it was fraud to I. C. Systems INC. 
The property address given by I.C. Systems was fraudulent and from identity theft, in a state I dont even live in. 
Per credit report : date opened with collection agency XX/XX/year> and reported to XXXX  XX/XX/year> Balance {$410.00} and was fraud, all reported and then sold to a collection agency by XXXX even after they knew it was fraud.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Grant Mercantile Agency
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital one bank has not processed my employment direct deposit and my rent is due tried calling and they are closed they said because of tax situations or something they have not released my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an envelope in the mail from Chase Bank. I haven't utilized Chase Bank since XXXX. The envelope had my name on it, so I opened it. There was a debit card inside with my name on it, along with a phone number to call to activate the card. I currently bank with XXXX aXXXX XXXX XXXX XXXXXXXX, so I was confused about why I received a debit card with my name on it. On XX/XX/XXXX, at approximately XXXXXXXX XXXX XXXX visited a Chase branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, to inquire about my debit card. An employee sat me down to verify my information and concluded that there was definitely an account opened in my name. He treated me as if I was not being truthful and kept correcting me when I said I hadn't had Chase in years! His response was " You mean months. '' He was very dismissive of my concerns. Due to the account being reported as fraud, he wasn't able to give me much information about the account. All he mentioned was that an account was opened on XX/XX/XXXX, and that the balance on the account was negative {$850.00}. The account was blocked, and he then recommended that I contact Chase customer service and file an identity theft claim. As soon as I left the branch, I contacted customer service. An agent was able to confirm that an account was opened on XX/XX/XXXX, and that a check was deposited at a branch on XX/XX/XXXX. They also mentioned that the check was from someone named XXXX XXXX. After filing an identity report, the Customer Claims Department advised me to wait for a response from them via mail, and they will notify me if the claim is approved or denied. Furthermore, on XX/XX/XXXX, I received a letter in the mail from Chase Bank stating my identity theft claim had been denied. How can the claim be denied if I wasn't given any information on where the check was deposited, or be held accountable for something I didn't do? I also wasn't shown a picture of a signature on the check. I'm disappointed that the decision was made based solely on my previous account back in XXXX. It's only because I had an account back in XXXX, so of course, all of my information would be there once someone enters my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
The Citi XXXX XXXX credit card issues {$200.00} credit for purchases made at Best Buy. I product changed my XXXX XXXX XXXX card to a Citi XXXX XXXX card on XX/XX/year>. The product change was successful and I then made a purchase at Best Buy the next day for {$200.00}. I did not receive the credit after the end of the billing statement so I called into Citi who did not know the reasoning as to why I didn't receive the credit. 

I made another purchase on XX/XX/XXXX at Best Buy, and still no credit. 

I then called into Citi who said it takes 51 days to do a product change. This feels very fraudulent as it was stated the credit would be available immediately but then Citi is telling me it won't be available for 51 at least 51 days. Its now been over 51 days and I still have not received the credit.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief