vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: SC

Complaint narrative:
Around XX/XX/year>, Cashapp forcefully closed my account. They notified me in tbe app that I violated the terms and conditions but failed to tell me how. Every month since XX/XX/year> I try to regain access to my account and cashapp never responds to me. As a college student this is one primary way I use to get money from family. And cashapp has not helped at all. I dont get a call or any mail in regards to my claim. I also had a balance available that is not not accessible to me and the company wont allow me to retrieve my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance Corporation I was coerced into debt due to a hostile living situation which ive been stuck with since childhood, the terms of me not being evicted were that I take on debt if purchasing a vehicle which I couldnt afford and paid the minimum down with my father covering a percentage of it considering I was unable to fully cover the down payment. I was forced into this debt with Credit Acceptance due to a hostile living situation in which I have no way out of or I face permanent homelessness considering i was fully unable to pay for rent or any other living situation and am currently as of XX/XX/2025 jobless and still potentially facing homelessness, I did not want to purchase said vehicle I was forced to against my will by my father or face eviction. Credit Acceptance also listed it as an involuntary repossession when they were told to come get the vehicle and I was voulenteering it to be taken after my father cost me several thousand more due to being forced to continue payments on a vehicle that I was forced to purchase and unable to pay for food due to being forced to pay on said vehicle

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I requested that they explain why there is a {$370.00} discrepancy between the amount due this billing cycle and the total amount of purchases from the previous month. The amount due this billing cycle ( which comprises charges and credits from the previous month ) is {$370.00} more than the total amount of charges from the previous month, I pay the total balance off every month, to avoid interest charges, and there have been no interest charges for several months now. This is not a zero interest credit card. If the {$370.00} discrepancy was due to the balance from the previous month being carried over to this month, then there wouldve been interest charges. But there were not. So, I just want to know why the amount due this billing cycle is {$370.00} more than my total purchases from the previous month. When asked, they gave conflicting answers, at one point claiming that the {$370.00} was due to interest and then reversing that answer and saying that the {$370.00} mustve been due to an unpaid balance being carried over from the previous month, but we know that isnt the case, because if it was, there wouldve been interest charges. They have been unable to answer my question and my concerns remain unresolved. I fear that my statement balance is being miscalculated and that I am being overcharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: PA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2026-03-22 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: FL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-03-22 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: FL

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: MA

Complaint narrative:
disputing a repossession reported by CarMax on my credit file, as this account is not mine and is a result of identity theft. I have never financed, leased, or owned any vehicle through CarMax, and I did not authorize anyone to open an account in my name. I became aware of this issue when I noticed a repossession entry reported on my credit report. I did not sign any agreement, take possession of any vehicle, or have any involvement in this transaction. I am requesting that CarMax provide full documentation related to this account, including but not limited to : The original lease or finance agreement A copy of the signed contract Any identification used to open the account Payment history and account records I specifically demand verification of the signature associated with this account, as any signature on file is not mine. This account was opened fraudulently without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation and immediate removal of this repossession from my credit report if it can not be properly verified. I have taken steps to protect myself from identity theft and am prepared to provide a police report or identity theft affidavit if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Checking account to be closed with XXXX extended dates freezing funds which include Social Security funds which are federally protected and the bank has caused a wrongful dishonor.

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 2026-03-22 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: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-22 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: SC

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my researchJEFFERSON CAPITAL 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 2026-03-22 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: SC

Complaint narrative:
VANCE & HUFFMAN is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE & HUFFMAN 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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGNCY is falsely reporting on my credit. I have never had any accounts with them. Per my research AARGON AGNCY 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 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent money via remitly for services in a video game. After I sent the money the person messaged me via discord that it was a scam and that they would not hold up their end of the agreement and they were going to just take my money. I have screenshots to prove this was a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
The ongoing issues with my account have created significant setbacks, adversely affecting my ability to receive necessary treatments. It is unacceptable that my emails go unanswered and my voicemails remain unreturned. My attempts to resolve this matter have been met with indifference, and I am now reaching out to seek immediate assistance. Background of the Situation : XX/XX/year> : I discovered suspicious activity on my PNC debit card, which I realized coincided with the theft of my XXXX. Unauthorized transactions totaling approximately {$2000.00} were made in a rapid succession of XXXX charges within a XXXX to XXXX period. I promptly reported these unauthorized charges, filed a dispute, canceled my debit card, and changed all relevant passwords. Despite my compliance with PNCs procedures, including filing a police report, the initial response was a mere provisional credit of {$230.00}, which was later rescinded. My disputes were denied based on claims of a customer history of spending, which does not accurately reflect the situation. My legitimate transactions are vastly different in nature and volume from the unauthorized charges. After multiple escalations, some funds were returned, but the process remains fragmented and unsatisfactory. The inconsistent handling of my case raises serious concerns about the banks commitment to protecting its customers from fraud they changed there mind and decided to approve XXXX of the charges but I feel that if they changed there mind and approved some of them then they all need to be approved because it is all one incident that happened at the same merchant. This matter has persisted for over XXXX months, placing undue stress on my health and well-being. I have meticulously documented all interactions and actions taken on my part. The failure to address this issue appropriately may necessitate legal action to recover my losses, including potential claims for emotional distress due to negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express card XXXX with 0 % APR promo for 12 months. I have always paid American Express on time. American Express lowered the credit line on this card from {$25000.00} to {$7700.00} which is close to the current balance owed. I have other American Express cards with credit lines available, so I asked them to move those credit lines to my 0 % credit card, and was advised that Credit line Realocation was not available at this time. This is great for American Express so they have restricted my access to 0 % on new purchases and they can make me pay high interest on new purchases with the higher interest rate on the other American Express accounts! American Express is a loan shark! This is predatory lending with tricky restrictions. Also, this has caused a financial hardship because now my credit report shows my balance too high relative to the limit. I was planning to utilize the 0 % for 12 months using the former available credit. Also, my account is set up for auto pay for minimum due. Thats why I was only paying the minimum and have not had time to login to my online account and make additional payments. However, Im not breach of contract by paying just the minimum due, but American Express uses this tactic as an excuse to lower my credit line on a 0 % card. Ive never paid them late! I should not be considered a risk but their using this tactic that I pay the minimum due as an excuse to lower the credit line and sift out 0 % availability. This caused also issues to my FICO score, so now Im restricted from getting credit from other creditors and is predatory by keeping me locked to American Express at a higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX related to a rental apartment. During my tenancy, all rent payments were made. totaling over {$3000.00} ( for XXXX apartments in XXXX of 2025 ), along with a {$500.00} security deposit. These payments were made from my husband 's bank account, and I have full documentation confirming these transactions. After moving out I repeatedly requested a final itemized move-out statement from the apartment management to understand if any balance remained. I was told it would be sent " tomorrow '', but I never received any documentation despite multiple attempts to follow up. Without providing any itemized statement or explanation, the alleged balance was sent to collections by IQ Data International. This debt is inaccurate and remains unverified. The property management failed to respond to my request and did not provide required documentation. No calculation or breakdown go the charges has ever been given. I request : full validation of the debt, a detailed itemized statement showing how the balance was calculated, proof that the debt is ligitimate and unpaid, removal of this account from my credit report if proper validation can not be provided. I am attaching the only document provided to me by the manager. And also bank statement for XX/XX/year> where in the expenses you can see the amounts of payments of XXXX XXXX. If necessary I will attach bank statements for the entire period stay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 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: CA

Complaint narrative:
my account has been closed and placed on a XXXX XXXX hold for no reason and I am unable to access my XXXX dollars that I was expecting yesterday. This happened for no reason.I have been successfully been using this account for XXXX XXXX without issues. the second I recieve XXXX deposits they freeze it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I have had an XXXX plan for many years. I have had the same job for many years as well. My personal information has not changed. I sent in my pay check stub to renew my plan as I have every year. My other loan servicer had no problem renewing my plan. Mohela first kept making me re send my pay stub, and now they say it doesnt show my pay frequency. I have nothing I can show other than my pay stub, and that has been fine for many years. I feel like they are purposely trying to make me default in the extreme high payments they are trying to make me pay without my plan. I am also going to lose the XXXX years I have invested in my XXXX plan . They are also attempting to harm my credit I have worked so hard to get up after my divorce. I need help they are scammers and have given me no help and no way to fix this. They said I could just send an email stating my frequency, and then they said they can not accept an email stating this. They are not a good company and I need help before they ruin my life and my daughters lives because I can not pay even a fraction of what they are trying to make me pay. I live paycheck to paycheck and have negative balance between. I work my butt off to provide for my kids and I can not lose that to this scam of a company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to formally report a series of unauthorized transactions involving my checking and saving accounts totaling {$28000.00}. These transactions were conducted without my knowledge or consent trough online banking including instant cash transfers and XXXX payments. It has become clear that my account was compromised and fraudulent activity occurred. I did not authorize any of these transactions I have contacted my financial institution to report the fraud however I have not received sufficient updates clarity or resolution regarding the statues of the investigation the location of my frauds or the steps that are being taken to recover my money The situation is extremely distressing. O am requesting the following -Immediate investigation into the unauthorized transactions -detailed documentation of all the fraudulent activity -Status updates on recovery

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 2026-03-22 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: FL

Complaint narrative:
I am filing regarding Dispute # XXXX in the amount of {$150.00}. I am disputing a charge for 'Services Not Rendered ' because the merchant charged administrative fees for applications that were never actually processed. On XX/XX/2026, I spoke with a Dispute Supervisor who tried to dismiss the claim by saying 'it says they processed it correctly. ' When I requested her Name and Agent ID to document the call and cited my rights under Regulation Z, she went completely silent. She did not hang up, but refused to speak or respond for over XXXX minutes while the call stayed active. I have a screen recording of this XXXX period of intentional silence. Chime is obstructing my right to a fair investigation and their management is hiding their identities to avoid accountability.

Company response to consumer: Closed with explanation