vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
After receiving an email stating my minimum payment went up to {$380.00} form {$30.00} I called in to customer service. I was advised the reason for the increase is that the promotion period of XXXX months ended on a purchase made for {$1100.00}. Which happened to be the XXXX initial charge on this account. I have set up automated payments each month of {$100.00} to be drafted each month on my due date. Today when I called in they advised me my new promotional balance is {$1100.00}. When I asked why it XXXX gone down when XXXX making my payments every month. They advised me that my payment is split up and applied to other promotional balances. This is the oldest promotional balance so I would think my payment gets applied to this balance XXXX since the promotion period ends first. When they send your payment remind and notification they never show you the different balances of each promotion charge and when they expire. This paired with paperless statements there is no way to show the customer that their payment is not actually being applied to the promotion purchase that will expire the soonest. When discussing this issue over the phone. I was denied to be transferred to a superior to escalate the call and complaint.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NJ

Complaint narrative:
SUBJECT : Retaliatory Balance Chasing, Intentional Portal Lockout, and Refusal of Reasonable Accommodation for Medical Hardship I am a loyal Discover customer currently facing an involuntary medical insolvency with {$0.00} disposable income. I am filing this complaint because Discover is utilizing blind algorithms to engage in retaliatory " Balance Chasing '' while intentionally restricting digital communication channels to deny me a reasonable investigation into my hardship. To proactively manage my accounts during my medical leave, I mailed a {$10.00} Good Faith partial payment via Certified Mail. Discover successfully accepted and posted this payment on XX/XX/year>. However, instead of conducting a human-led hardship review, Discovers systems immediately engaged in abusive retaliation : 1. Retaliatory Balance Chasing : I maintained a completely clean payment record with Discover. In XX/XX/year>, my credit limit was {$14000.00}. Immediately after I notified Discover of my medical insolvency and submitted my partial payment, their algorithm slashed my limit by {$8100.00} down to {$6400.00} ( per a XX/XX/XXXX notice ). This automated punishment intentionally trapped my existing balance at the ceiling of the new limit, artificially spiking my credit utilization to over 91.5 %. XXXX. Intentional Portal Lockout & ADA Violation : My documented medical condition strictly prohibits the stress of telephone negotiations. However, Discovers online " Secure Inbox/Document Center '' is intentionally restricted to only allow uploads for a " Legal Name Change. '' This systemic barrier effectively locks medically restricted consumers out of submitting written hardship documentation or " Bare Bones '' budgets, attempting to force us into telephone collections. When I used the chat feature to report this, agent " XXXX '' confirmed the messages were saved to my file but refused to provide an email or secure upload link for the hardship department, merely repeating an automated demand for {$260.00}. XXXX. Abusive Acts & Practices ( UDAAP ) : By slashing credit limits by {$8100.00} while simultaneously accepting my Good Faith payments, and by locking the digital portal to prevent written hardship submissions, Discover is taking " unreasonable advantage '' of my inability to protect my interests during a medical crisis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: Chime Financial Inc
State: AL

Complaint narrative:
I was charged XXXX total on my chime card 3 different transactions w XXXX XXXX that I personally didn't make or authorize and requested a refund and have been denied even though I got a refund for the other charges that I disputed with them that occured around the same time with the same card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am writing to formally dispute unauthorized transactions on my account and to invoke my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z. Disputed Amount : {$6900.00} and {$1800.00} Dates of Transactions : XX/XX/year> I did not authorize the cash advance transactions referenced above. These transactions were initiated by an unknown third party who gained unauthorized access to my online banking profile as part of a documented impersonation scam. I did not request, approve, or consent to these advances, nor did I knowingly provide access credentials or authorization to any individual. The funds generated by these unauthorized cash advances were subsequently moved without my informed consent as part of the same fraudulent scheme. I reasonably believed I was communicating with legitimate bank fraud personnel at the time due to sophisticated impersonation and misrepresentation. At no point did I intend to obtain or transfer funds through a credit advance or authorize any such activity.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AR

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
On XXXX I sent a certified Validation, and assignment letter to Credence Resource Management requesting detail information, and to validated this matter, so I can go over, and have for my personal records. Inaccuracies have been reported to all three major credit bureaus. I ask that all communication be in writing, and sent via XXXX, and all collection efforts be paused, and activity on my credit report doing this period stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TN

Complaint narrative:
I've enclosed screenshots of the said accounts that where results of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: WLCC
State: OR

Complaint narrative:
I am filing a complaint regarding a debt collection attempt by Valley Servicing related to an alleged account from XXXX XXXX XXXX. I was never contacted directly by Valley Servicing about this alleged debt before they contacted my employer. Instead, my employer received a wage assignment demand notice asking payroll to begin deductions from my wages for a debt balance of {$1100.00}. The letter included my name, partial Social Security number, and the debt balance. My employer informed me about the communication and told the collector to stop contacting the business. Prior to this, I never received a written validation notice or any communication from Valley Servicing explaining the alleged debt, the original creditor, or my rights to dispute the debt. My employer was contacted first, and the letter disclosed details of the alleged debt. After learning about the situation from my employer, I sent a written request asking the collector to communicate with me only in writing and to provide validation of the alleged debt. I also revoked any wage assignment authorization and instructed them not to contact my employer. I believe the collector improperly disclosed information about my alleged debt to my employer and attempted to collect the debt through my workplace before properly contacting me or providing validation. I am requesting that the collector cease contacting my employer and comply with all applicable debt collection laws when communicating with me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal written debt dispute and validation request to the XXXX XXXX XXXX XXXX XXXX XXXX via email to XXXX regarding Account # XXXX ( Creditor : Credit Fresh, alleged balance : {$5600.00} ). In the same correspondence, I sent a cease-and-desist demand regarding third-party communications, specifically requesting they stop contacting my family members by phone. Since approximately XX/XX/year>, this firm has been repeatedly calling my father and mother by phone, calling them in rapid succession and leaving voicemails. These calls show up as spam on their caller ID. I provided my current contact information and explicitly requested all third-party contact cease immediately. Despite receiving my dispute and validation request on XX/XX/XXXX, the firm sent me an email on approximately XX/XX/year> offering three payment options ( pay in full, 24-month payment plan, or 70 % settlement ) before providing any validation of the debt. This constitutes continued collection activity during a pending validation dispute. On XX/XX/year>, the firm sent validation documents. However, these documents were addressed to my former address, despite my having provided my current address on XX/XX/XXXX. The firm has not acknowledged or confirmed compliance with my cease-and-desist regarding third-party contacts to my family members. Additionally, the fee structure on this account is concerning. According to the firm 's own documents, the total amount borrowed was {$4900.00}. Total payments made were {$6600.00}, of which {$5600.00} was allocated to finance fees and only {$1000.00} to principal. The firm claims I still owe {$5600.00}, meaning the total cost of this line of credit would exceed {$12000.00} on less than {$5000.00} borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: GA

Complaint narrative:
I disputed inaccurate duplicate reporting on my credit file regarding accounts listed by Americollect.Multiple accounts are being reported for the same alleged medical debt, each showing a balance of {$1000.00}. These entries appear to be duplicate listings of the same account, which makes the total amount reported inaccurate and misleading. I previously disputed this issue with the credit bureaus and requested that the company verify the debt and provide documentation showing that each listing represents a separate and valid account. I also requested a breakdown of the amount and proof that I am legally responsible for each reported balance.The company did not provide sufficient documentation or proof that the accounts are separate, yet the duplicate entries remain on my credit report.This duplicate reporting is unfairly harming my credit and financial standing. I am requesting that all duplicate entries be deleted and that only one accurate listing remain if the debt can be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OK

Complaint narrative:
I chose XXXX via cashapp for a XXXX transaction but because the merchant/XXXX took forever to finalize the transaction XXXX XXXX cancelled it & cashapp took the money from my balance ( without my permission ) leaving me with a negative balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: CA

Complaint narrative:
JG Wentworth keeps calling and will not stop calling me, the only way to get through is to curse and scream because im tired of them constantly calling

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On Sunday, XX/XX/year>, my Cash App account was compromised in an unauthorized account takeover. The hacker gained full access to the account and withdrew {$2500.00}. I immediately contacted Cash App at XXXX and again at XXXX when their support opened, reporting the takeover. Over the following three days, I repeatedly called to ensure the account was locked and was told each time that no money could go in or out of the account. Despite these assurances, on Sunday, XX/XX/year>, at approximately XXXX, the hacker accessed the account and withdrew funds. Additionally, my direct deposit paycheck of {$810.00} was deposited into the account on XX/XX/year>, and was immediately accessed by the same unauthorized party, bringing the total stolen funds to {$3300.00}. As of this filing, I am still locked out of my Cash App account and have no access. Cash App instructed me to send police reports and documentation to a link they provided that I cant access because the hacker has only access to the cash app that I can not access because the hacker has control over my account. I have filed police reports, an IC3 complaint, and an FTC Identity Theft report documenting the account takeover and unauthorized transactions. I have requested from Cash App written confirmation that the account was locked at the time of the unauthorized transactions, the internal fraud investigation case number, a complete record of the unauthorized transactions, and reimbursement of all stolen funds. Cash App has not resolved the matter or reimbursed any portion of the funds. I am requesting CFPB intervention to ensure a full fraud investigation is conducted and that my stolen funds are returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
My Cash App account was linked to my XXXX account. On approximately XX/XX/year>, my XXXX account was compromised by an unauthorized third party who placed several fraudulent purchases totaling approximately {$460.00} using my Cash App payment method. These transactions were unauthorized transactions resulting from account compromise. As soon as I discovered the breach, I immediately notified XXXX and the supplier listed on the XXXX platform and requested that the orders be cancelled before shipment. I also informed them that the delivery address associated with the orders was not mine. Despite this notification and the fact that the orders had not yet shipped, the orders were still fulfilled and the charges were processed. I then contacted Cash App to dispute the transactions as unauthorized fraud. Instead of investigating the fraudulent charges, Cash App denied my claim and permanently deactivated my account citing a violation of their Terms of Service without providing any explanation of the alleged violation. These transactions were not authorized by me and were the result of fraudulent activity following the compromise of my account. I am requesting reimbursement of the {$460.00} in unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I ENTERED INTO A PROMO CREDIT CARD, WITH MY XXXX XXXX XXXX '' CALLED " CARECREDIT ''. ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX. ) XX/XX/year>, FOR TOTAL PAYMENT OF XXXX. I CALCULATED THE EXACT AMOUNT OF MONTHLY, AUTO-PAYMENT {$360.00}. PER MONTH, WITH A CARECREDIT AGENT, BY PHONE. IT WOULD TAKE TO MAKE A FINAL PAYMENT, ON THE FINAL MONTH, OF THE PROMO DEADLINE. OTERWISE, I WOULD BE HIT WITH A 26.99 % ANNUAL RATE. THE AGENT SAID, YES! {$360.00}. WOULD BE THE CURRECT MONTHLY AUTO-PAYMENT, TO MAKE. SO THAT I WOULD NOT BE CHARGED THE INTEREST RATE! I TRUSTED THAT! & THEY NEVER ALERTED ME, OR SENT ME ANY E-MAILS, OR PHONE CALLS, TO WARN ME, OF THE PROMO-DEADLINE. WITCH I BELIEVED WOULD NOT HAPPEN! I ALSO FOUND THAT CARECREDIT, HAS MANY COMPLAINTS, OF SCAMMING, STALLING & NOT RESPONDING, ON THE INTERNET!

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Denefits LLC
State: NJ

Complaint narrative:
I engaged with this company seeking credit repair assistance. The representative provided misleading guidance, instructing me to stop making payments on accounts that I was past due on. Following this advice negatively impacted my credit. After I realized the advice was false, I stopped making payments and attempted to disengage. Since then, I have been repeatedly contacted by this company through calls and messages, despite explicitly asking them to stop. Their responses have been unprofessional, contradictory, and at times threatening. I believe this company is using misleading practices to exploit people seeking credit repair and is reporting inaccurate information to the credit bureaus. This has caused financial harm, stress, and difficulty accessing credit.

Company response to consumer: Closed with non-monetary relief