vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I have several transactions totaling XXXX dollars that I disputed because I was scammed by someone claiming to be a cashapp representative requiring I download an app in order to understand why I was having a network error. At the time I was unaware of the scam and believed the number I dialed was truly cashapp. I was asked to download and app called any desk and to share screen. I received a transaction notification around XXXX and replied no it wasnt me. And yet it did not trigger any system change to protect my account. I then called the bank and no one is there during those hours to freeze my card. Then when I did finally reach someone I was unable to dispute the purchases for days because they hadnt posted. When I finally was able to file the dispute, it was debited claiming I loaded the money shortly before I sent it. That is not true. XXXX ) Because I didnt sent the money at all. XXXX ) Because the claim mischaracterizes how the process works. Whoever accessed my XXXX account sent it directly from my bank account because my bank account is linked to XXXX. It wasnt preloaded, then sent. I can tell when I look at my history and thats what the bank contends. Im late in my rent because of this. I provided them with screenshots of no that was a denial of the transaction authorization and they still allowed my account to be used. They are supposed to protect me from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The delinquency listed on this account does not match the actual payment record.

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 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
AARGON AGENCY IS ATTEMPTING TO COLLECT A DEBT SOLD TO THEM BY XXXX XXXX THAT DID NOT VERIFY ACCURACY OR PROOF OF ACCOUNT OWNERSHIP. I CONTACTED XXXX XXXX BILLING DEPARTMENT REGARDING THIS DEBT AND RECEIVED NO RESPONSE BY MAIL, EMAIL, or Phone calls. This Account has caused extreme Hardship resulting in Homelessness and unemployment.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
My debit card information was stolen and added to XXXX XXXX without my authorization. I did not approve the XXXX XXXX setup or any transactions made with my card through that digital wallet. After I discovered the unauthorized activity, I contacted the bank and reported the fraud. I asked the bank to block the card, disable the XXXX XXXX token or digital wallet access, investigate the unauthorized transactions, and refund the money taken from my account. I am filing this complaint because my account was compromised and I need the bank to correct the issue and restore my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Collection Systems, Inc.
State: WY

Complaint narrative:
I am disputing a debt being reported by American Collection Systems that I do not owe. I did not clearly authorize the service that resulted in this charge. My communication did not provide consent for the work to be performed, yet the service was completed and I was billed. I disputed this account with TransUnion, but the credit bureau marked the account as verified as accurate without providing me any documentation showing that I agreed to or authorized this service. I have requested validation of this debt, including a signed agreement, proof of authorization, and an itemized breakdown of charges. No such documentation has been provided to me. Despite the lack of proof, this account continues to be reported on my credit file. I am requesting that American Collection Systems provide proper validation of this debt. If they are unable to do so, this account should be removed from my credit report immediately. I believe this may be a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as unverified and unauthorized charges are being reported.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX disputed charges from XXXX XXXX XXXX totaling {$300.00} ( {$160.00} and {$130.00} ) that my bank has denied despite clear evidence that these charges are not valid. I made a good-faith effort to resolve this issue directly with XXXX XXXX XXXX XXXX The charges in question are associated with a return and/or billing issue, and XXXX & XXXX has indicated that a refund is owed. However, I was informed that they are unable to process the refund due to an active bank dispute on the transactions. As a result, I am now in a situation where the merchant acknowledges that a refund should be issued, yet my bank has denied the dispute and is holding me responsible for the charges. This creates an unfair and contradictory outcome. Despite providing this information, my bank has refused to reopen or properly reinvestigate the dispute. I believe this is a failure to comply with their obligations under the Fair Credit Billing Act, as they did not fully consider all relevant evidence. I am requesting that the CFPB require my bank to reopen and properly investigate this matter I am also requesting that both disputed charges be permanently removed and that any associated fees or interest be reversed. This situation has caused unnecessary financial harm, and I am seeking a fair and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/year> at XXXX while at work, my phone number was fraudulently ported to another phone. I discovered this after work at XXXX pm. Due to the lack of a working phone and Internet, I was unable to contact agencies until arriving home. At XXXX Chime allowed someone unauthorized access to my account using a single sign on code, and {$170.00} was transferred out in XXXX transactions. I reported the fraud crime immediately upon returning home around XXXX. I was notified XXXX hours later the claims were denied and they are supposed to email me the records but I have not actually received them yet. They also refuse to close the account to prevent further fraud. There is a police report on the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Because the federal government has already determined that this institution engaged in misconduct sufficient to justify full loan discharge, equity and consumer protection principles support extending comparable relief to private loans arising from the same facts. I received full federal loan discharge under the XXXX v. XXXX settlement due to school misconduct. I still carry private loans for the same school and program. Given the confirmed misconduct, I request review and relief, including potential discharge or restitution, as these loans were incurred under the same circumstances. Servicer : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MI

Complaint narrative:
This is by far one of the most unprofessional ways to handle things I ever have dealt with, the day my money got taken out of my account I called them and told them what happened they told me to dispute the money, which I have, and they reversed 1 out of 6 and said the other ones I authorized, they also took money and bought XXXX XXXX and sent it to themselves which I figure that money is gone, I dont even know anybody in XXXX why out of no where would I send money to XXXX not just any amount either the most I ever had in this account makes no sense and they continue to deny me I have since lost my Truck and on the verge of losing my place to stay as I was laid off during this period, I really need answer and I need them fast!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I changed my number on my sofi and XXXX account on XX/XX/XXXX, and sofi blocked me from using XXXX permanently on the XXXX. There was an error message, saying unable to verify my identity, so I called to do the verification and request a ticket, the agent told me that day ( XX/XX/XXXX ) a ticket was created, and a support agent would reach out to me. Instead, my account has been blocked, without any communication from sofi or the support team, hindering me from making my rent payments as usual. I asked if the verification i did went through, and none of the 3 agents could inform me. I asked what would be the appropriate next steps, and was told " check back another time, maybe you could be eligible ". I asked if there was a support or security specialist to speak to, since I had used XXXX XX/XX/XXXX with the new number, but that was denied. I've had this account for about 2 years with sofi, my work direct deposits, rent payments etc are all there, so it's very unfair that I've been given no path to resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
Details : Exeter XXXX is reporting a chargedoff auto loan with multiple inaccuracies, including : A {$0.00} balance while also showing the debt was not sold Missing Date of First Delinquency ( DOFD ) Chargeoff reported in XXXX despite a chargeoff date of XX/XX/XXXX Missing repossession details Missing original creditor information Inconsistent status and balance update dates Incomplete loan terms These errors violate FCRA XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX. The reporting also appears to unlawfully extend the reporting period, suggesting reaging, which is a serious FCRA violation. I have disputed this with the credit bureaus, but they continue to verify the account without correcting the errors or providing a valid method of verification. Requested Resolution : Full investigation Correction or deletion of all inaccurate information Confirmation of the DOFD Removal of any reaged data Written explanation of the verification process

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I charged {$2100.00} to my American Express card on XX/XX/year>. The goods were delivered. However, the vendor never received payment. I have contacted American Express multiple times over the past XXXX days requesting basic trace information so we can locate the funds. American Express customer service and merchant services have both refused to help. I am not disputing the charge. I simply need American Express to tell me where my {$2100.00} is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
The account is with Credit Control LLC regarding XXXX XXXX account. I'm unaware I had this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account Credit Control LLCXXXX XXXX XXXX XXXX of {$1100.00} from my report.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: NY

Complaint narrative:
I used Sezzle to purchase an item through XXXX in XXXX. The seller never shipped the item and became abusive when contacted. I have provided Sezzle with proof including order details, lack of shipment, and communication attempts. Despite this, Sezzle has refused to resolve the dispute or issue a refund. This is a clear case of non-fulfillment of goods. I am requesting a full refund and proper handling of this dispute. XXXX didnt even step in as theyre website is built to bring you back to the starting page and Ive tried on multiple devices to solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: ROBINHOOD MARKETS INC.
State: LA

Complaint narrative:
I purchased a product from XXXX XXXX XXXX on XX/XX/year> as a one-time transaction. At no point during checkout was it clearly disclosed that this purchase would enroll me in a recurring subscription. After repeated phone calls and messages on their website I have been unable to resolve this situation with the company. They simply wont respond. I started a dispute with the credit card company and the results have been less than desired. They are trying to make me take responsibility for enrolling in an auto subscription. That is simply wrong. I did not knowingly enroll in a subscription service. I never authorized this and it is not a cancellation issue. I have been charged XXXX times since the first purchase and I have been trying since then to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was denied for a credit card application which I haven't experienced since the XXXX. I reviewed the denial letter and stated that I have a credit score of XXXX, perfect payment history and I had only applied for XXXX card in the past XXXX months. I asked for a reconsideration and they said it would hit my credit again. When I asked what they would do differently this time around I was unable to get any specifics from the rep. I said it doesn't make sense to reconsider if they are just going to run my application through their systems the exact same way. Rep said it was too late. I asked if someone could tell me what all that means and the rep had XXXX answers, XXXX accountability and refused to transfer me to someone with answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCHRONY BANK Synchrony Bank XXXX XXXX XXXX XXXX P.O. XXXX XXXX XXXX XXXX, FL XXXX RE : Account : XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Synchrony Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed are a copy of my Identity Theft Report supporting my position and a copy of my credit report showing the fraudulent items related to your company that resulted from identity theft. I first became aware of this account in XX/XX/year> when I received a notice from your bank. Before that contact, I did not know this account. I did not apply for, authorize, or use this credit card at any time. Because this account was opened without my consent, I request that you investigate this matter and remove any associated charges or negative reporting related to this fraudulent account.

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