vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I entered into a pay-for-delete agreement with Columbia Debt Recovery LLC ( also operating as Genesis ) regarding a collection account. On XX/XX/year>, I made a final payment of {$1700.00} to resolve the account in full. In exchange for this payment, Columbia Debt Recovery provided written confirmation that they agreed to request full deletion of any negative information related to this account from all credit reporting agencies. However, instead of deleting the account as agreed, the company has reported the account as paid in full while continuing to report the collection account on my credit report. This is a direct violation of the written agreement provided to me and is materially misleading, as the account should no longer be reported at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I purchaed a car from XXXX in XX/XX/XXXX, never missed a note, but in XX/XX/XXXX, I became very Ill had to have my left leg amputaed, left me unable to work, I called them in XXXX to come and pick the car up it took them until XXXX XXXX XXXX to pick the car up, The car had been repainted and new parts were included in the car for a new bumper, the car had been damaged in the front because there were and issue with those cars, for a defaulted front end problem, They were selling those cars with only a XXXX dollars down paymentfor that reason. It has been placed on my Credit Report for 9 years now, I would like to know how long am I to keep this on my credit report, I am not able tp pay the remaining amout on this account? Due to hardship Medical reason.

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am formally disputing the accuracy and validity of the acount listed on my credit report. I do not recognize this account and have no knowledge of entering into any agreement or contract with the reporting creditor. Under the Fair Credit Reporting Act ( FCRA ), I am requesting this acount must be removed immediately from my credit file. Reporting unverfied or inaccurate information is a violation of federal 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 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: LA

Complaint narrative:
I have been contacting crown asset management for XXXX months, i've left voicemails in the process. I have not heard back from them under any circumstances. I fear they are letting time progress so they can send a NOTICE OF JUDGEMENT to my home. This not fair for I am trying to settle the account of which i don't even know if they have original proof of documents and a signature from myself. I have no information from they regarding anything. The original company for which I applied for a loan ( XXXX ) apparently sold my information to Crown asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Sparrow Financial, Inc.
State: KY

Complaint narrative:
I had XXXX separate charges from a XXXX in XXXX that I did not make. I was not in XXXX at the time of the charges. The card is in my possession. I filed a claim with my card company and it got denied. I filed an appeal and this is what they need me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMERCE BANK
State: MO

Complaint narrative:
I have a complaint against XXXX XXXX XXXX, for his ownership within XXXXXXXX XXXX XXXX XXXX XXXX XXXX so located, at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, so he alleged to have an illegal possession of XXXX stolen Commerce Bank, N.A., XXXX XXXX, XXXX bank booklet records, and a count of XXXX XXXX XXXX Commerce Bank debentures of an identity theft of XXXX XXXX XXXX XXXX. This perpetrator XXXX XXXX XXXX has a XXXX XXXX XXXX XXXX XXXX account, so located, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, for a Checking account number XXXX, Route number XXXX. After XXXX XXXX was arrested upon XX/XX/XXXX, at XXXX XXXX, for a whereabouts inside his residency, at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, the XXXX XXXX Sheriff 's Department had confiscated incriminating evidence of XXXX stolen Commerce Bank, N.A., XXXX XXXX XXXX booklet records, and a count of seven-hundred and ten debentures of an identity theft scam. Today, the XXXX XXXX was skipped traced for a XXXX identity theft report, so a verification that he continues an illegal possession of XXXX stolen Commerce Bank, N.A., XXXX XXXX XXXXi booklet records, and a count of seven-hundred and twenty-nine debentures of an identity theft of XXXX XXXX XXXX XXXX, for a business location address within XXXXXXXX XXXX XXXX XXXX XXXX XXXX, so located, at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The allegations of an identity theft of Commerce Bank, N.A., XXXX XXXX XXXX bank records also was announced for an official arrest of XXXX XXXX, upon XX/XX/XXXX, at XXXX, for her residency, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so an incriminating evidence of XXXX stolen Commerce Bank , N.A., XXXX XXXX XXXX XXXX booklet records, and a count of thirty-nine Commerce Bank debentures were confiscated into Form XXXX and Form XXXX. A controlling statutory mandate of XXXX Revised Statutes, Section 531.060 has made a mandatory filing of all confiscated evidence before XXXX County Prosecutor 's Offices, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Subsequently, the cause of arrest warrant against XXXX XXXX, a current Financial Manager of Commerce Bank had occurred for XX/XX/XXXX, inside of his offices of Suite XXXX, at XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, and the XXXX XXXX was officially charged unlawful violations of XXXX Revised Statutes, Section XXXX. Robbery in the first degree, and Section XXXX. Stealing Penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Acorns Grow Incorporated
State: CA

Complaint narrative:
I am reporting unauthorized activity on my account involving a debit card that I did not request, receive, or authorize. On or around XX/XX/year>, I discovered multiple unauthorized transactions labeled XXXX XXXX XXXX in small amounts ( approximately {$2.00} {$3.00} each ), followed by a large unauthorized withdrawal of {$2500.00} from my account. These transactions were not made by me, and I did not authorize any debit card to be issued or used on my account. This pattern of small test transactions followed by a large withdrawal indicates fraudulent activity. I immediately contacted Acorns customer support via chat on XX/XX/year> to report the unauthorized transactions. During that interaction, I was not advised to freeze or secure my account, nor was any immediate action taken to prevent further unauthorized activity. I was only told that I could dispute the transactions. I believe additional losses could have been prevented if appropriate action had been taken at the time of my initial report, such as freezing the account or blocking further transactions. Since then, I have made multiple attempts to follow up, but I have not received any meaningful response or update. It has now been more than 10 days since I reported the issue. My account has been restricted/suspended, and I have not been provided with : Details of when or how the debit card was issued Information about the transactions or investigation A timeline for resolution Reimbursement or provisional credit for the unauthorized withdrawals I am requesting : A full investigation into the unauthorized debit card and transactions Immediate reimbursement of the {$2500.00} and all related unauthorized charges A clear explanation of how this occurred Prompt communication regarding the status of my claim I expect this matter to be handled urgently and appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I contacted CareCredit/Synchrony Bank after my stepmother removed me as an authorized user from her account. During that call, I specifically requested that my banking information be removed from the account to prevent any unauthorized use. I was told they could not remove my banking information because I was no longer an authorized user. During that same communication, I also explicitly instructed CareCredit to note on the account that my stepmother was not authorized to use my Social Security number to add me back to the account under any circumstances. Despite this prior notice, on or about XX/XX/year>, my stepmother used my previously stored banking information to initiate a payment without my knowledge or consent, which caused financial harm and required me to take corrective action with my bank. That transaction was later reported and reversed. Subsequently, in XX/XX/year>, my stepmother used my Social Security number without my authorization to add me back onto the CareCredit account. This was done without my knowledge or consent and after I had already explicitly revoked any authorization. I immediately contacted CareCredit again and requested removal, which they completed. I also contacted the Sheriffs Department, and I was advised to obtain written documentation from CareCredit confirming : the date I was originally removed from the account, the date my banking information was used without authorization, and the date I was added back to the account using my Social Security number. CareCredit/Synchrony Bank is now refusing to provide any documentation, even after I clarified that I am only requesting records related to the use of my personal identifying information ( SSN ) and my banking information, not general account details. This refusal is preventing me from obtaining necessary documentation for an active identity theft investigation and from protecting myself from further harm.

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 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NJ

Complaint narrative:
I am a small business using Square for payment processing. I am filing this complaint due to repeated unfair handling of chargebacks and the lack of a reasonable dispute resolution process. On XX/XX/year>, a customer disputed a charge immediately after picking up food from our store. The transaction was validthe customer placed the order and physically picked it up. Square did not notify us of this dispute until XX/XX/XXXX, approximately one month later. We responded promptly on XX/XX/XXXX and provided supporting documentation, including the receipt and order details confirming fulfillment. At that point, the dispute window was already significantly limited, as issuing banks often close cases within a short timeframe. However, Squares dispute process is fundamentally flawed : Square requires merchants to provide the cardholders personal information ( name, billing address, email, and phone number ), yet this information is not fully available to merchants within the Square system. Square does not accept video or audio evidence, even though we have clear XXXX footage showing the customer picking up the order. The case was closed immediately after submission of evidence, and the funds were refunded to the customer without meaningful review. Square continues to charge processing fees even when the transaction is reversed due to a chargeback. This is not an isolated incident. It has occurred multiple times, resulting in ongoing financial losses. The current system effectively allows fraudulent disputes to succeed while leaving merchants with no practical way to defend themselves. Squares policies create an unfair and one-sided process that disproportionately harms small businesses and enables abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
Mortgage company reports that payments for XXXX and XXXX are missing and I have receipts for those payments

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LendingPoint Holdings LLC
State: KS

Complaint narrative:
Auto loan was paid in full Loan paid by company but no proof of identity Student loans on good standing Small debt paid off and closed due to orders of service and relocation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have submitted a complaint through the Consumer Financial Protection Bureau ( CFPB ) concerning National Credit Systems ' failure to provide documentation for an alleged debt they claim I owe. After my complaint, they submitted a document detailing the alleged debt ; however, the amounts listed are inaccurate. For instance, the stated amount owed for rent totaling {$1600.00} does not align with the terms of my lease, which concluded on XX/XX/year>. I am formally requesting that National Credit Systems immediately remove this account from my credit report. This request is supported by the Fair Debt Collection Practices Act ( FDCPA ), which mandates that debt collectors must provide accurate and complete information about a debt. The inaccuracies in the documentation provided by National Credit Systems violate this act and warrant prompt removal of the account from my credit history. Thank you for addressing this matter swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: CT

Complaint narrative:
never received services I paid for, put in a dispute request with cashapp and was denied. asked for the reason for denial and was told that they can not provide me with XXXX and that there was nothing written in the notes by the dispute department

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX paid {$500.00} down payment on a car at XXXX XXXX a XXXX white ford XXXX XXXX got the keys went home on XX/XX/XXXX members from the dealership showed up at my house demanding the car saying the loan was denied!! I was shocked I gave them the cheese. They had me signed a cancellation papers. I asked if I was gon na get my deposit back if they said yes itll be in the mail within 24 hours. Mind you I still have not gotten it. XX/XX/XXXX I got a letter in the mail from the dealership demanding that I returned the car immediately but mind you they came to my house and pick the car up on the XXXX. I called the dealership ask them what was going on. They said oh somebody will call you back. I have been trying to answers and my money back for the last four days. they will not tell me why the deal was denied, and my credit score has gone.down 37 points the dealership when I call, they say that whoever I need to speak to is not in the office and I still have not received my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: NC

Complaint narrative:
These students loan was forgiven XXXX or XXXX years ago under XXXX when I sent the letter to the program. I never received information on it and it never showed on my report until recently this year. It just showed on my report as closed account and then dropped my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: GA

Complaint narrative:
AR resources, based in PA, has fraudulently posted 3 debt collection instances in my credit report for what it says are medical services rendered in PA however I have not lived in PA since 2012. I have also disputed this credit reporting agencies and the company itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I am submitting this statement to report suspected identity theft and fraud involving the unauthorized use of my personal information. While applying for credit with XXXX XXXX to purchase equipment for a new business, my representative informed me of a collection account on my credit report. As a result, my application was denied. This was unexpected, as I have taken precautions to protect my credit, including placing freezes with both XXXX and XXXX. Following this denial, I initiated an investigation into the matter. Upon reviewing my credit reports, I identified accounts associated with apartment complexes where I have never resided. I contacted the companies listed on the report, and representatives confirmed that an individual had lived at those properties under my identity. They also verified that the last four digits of the Social Security number used matched mine. During my inquiry with one of the apartment complex accounting departments, I asked about their tenant verification procedures. I was initially informed that their process relies primarily on Social Security number verification. When I questioned whether identification documents were also required, the representative was unable to provide a clear answer and stated they could not confirm what actions the apartment manager had taken at the time. Based on this information, it appears that my identity was used without proper verification measures in place. I believe that if appropriate identification checks had been conducted, this fraudulent activity could have been prevented. This situation has had a significant negative impact on my financial standing and my ability to support my family, including hindering my efforts to start a new business. I am seeking assistance in resolving this matter as quickly as possible and in ensuring that the fraudulent accounts are removed from my credit history. I also hope that this report encourages stronger identity verification practices among apartment complexes and other businesses to prevent similar incidents from affecting others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I am attempting to resolve two accounts with Gurstel Law Firm and XXXX XXXX XXXX : Sleep Number / Synchrony ( Acct ending XXXX ) last payment made XXXX, account is past the California statute of limitations XXXX XXXX XXXX ( Acct ending XXXX ) last payment made XXXX Despite negotiating settlement amounts, the law firm refuses to provide a written, signed settlement confirmation or conditional settlement agreement prior to requesting payment, which is standard and reasonable practice. This documentation is necessary to : Confirm the exact payment amount for each account Verify how accounts will be reported to credit bureaus Protect both parties and prevent misunderstandings regarding resolution Additionally, they continue to charge me for the XXXX XXXX account, even though it is legally time-barred, and refuse to remove or adjust the charges. Their refusal to provide written settlement documentation and acknowledge the statute of limitations issue prevents me from resolving these accounts, impacts my credit, and interferes with completing my mortgage underwriting. I am seeking assistance from the CFPB to ensure the company provides the required settlement confirmation letters, properly resolves the accounts, and addresses the time-barred XXXX XXXX account so it is no longer improperly charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
Incentive for your participation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was sent via my email ( XXXX ) on XX/XX/XXXX. I did not have an opportunity to open the link in the email due to being chronically ill. I have a XXXX XXXX and have been unable to work for months and am struggling financially to pay for my medications. I was sent link with virtual card for {$150.00}. It states it has expired and I contacted XXXX XXXX today and spoke with XXXX at phone # : XXXX. He stated that he would escalate the matter to have the virtual card expiration date extended to help me due to my circumstances. I am requesting assistance to please help me have the {$150.00} extension be granted as I am in a very difficult XXXX situation. I have spoken with XXXX XXXX at XXXX XXXX XXXX XXXX, and she informed the card is active, however, it is NOT active. I need assistance to have the {$150.00} incentive reissued by the XXXX XXXX XXXX. If you could please re-issue the payment once again so I can access it. Here is my information : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX Phone # : XXXX or XXXX. I appreciate your time and assistance with this matter, XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation