vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint because I am being contacted about a debt that I believe is time-barred under the statute of limitations in Texas. The account is very old, and I have not made any recent payments. I request that the company stop contacting me about this debt, provide verification including the last payment date, and confirm that no legal action will be taken.

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 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MN

Complaint narrative:
In XX/XX/XXXX, XXXX stopped showing statements in my online account, even though I continued to make regular payments with them on my XXXX XXXX. In XX/XX/XXXX, I emailed XXXX after receiving a Past Due notice from the Department of Education stating that I was behind on payments for my XXXX XXXX. XXXX told me over the phone that they sent a refund to my educational institution ( XXXX XXXX XXXX ) for me in XX/XX/XXXX. XXXX told me that this refund represented XXXX XXXX payments that I made. XXXX then shut down my online account. I never received the refund and XXXX denied ever receiving it. As a result, I was declared in default on my XXXX XXXX and threatened with forced collection, and my credit score was negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Unclaimed money from government site, filed claim XX/XX/year> property ID # XXXX in my name XXXX XXXX XXXX. Have documentation from the state of California that missing property has not been turned over to the state so I was directed to contact the company BLOCK INC. The state of California provided the company address and phone number. Spoke with represenatives several times concerning this issue and I'm getting a run around, the dead line to claim unclaim finds is XX/XX/year>. they are playing for time hoping I will not persue this matter, this is fraud, unfair business practices a scam to keep my property, My contact number is XXXX, this app is not letting me update my number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
StatusReported : Chargeoff {$7900.00}. BasisofDispute : This accountisfraudulentopenedandchargedwithoutmyauthorization.Thecardwasstolenandusedbyanunknownindividual.ApolicereportandIdentityTheftAffidavit ( XXXX ) areattached. LegalAuthority : FCRA605B ( 15U.S.C.1681c2 ) .Uponreceiptofproperidentificationandanidentitytheftreport, acreditreportingagencymustblockreportingofallinformationallegedtobetheresultofidentitytheftwithinfourbusinessdays. Demand : 1.Immediatelyblockthisaccountfromallconsumerdisclosures. 2.Providewrittenconfirmationofdeletionandcontactinformationforanyfurnishernotifiedunder605B ( d ). 3.TransmitnoticeoftheblocktotheXXXXandanyotherbureaumaintainingthistradeline. Enclosedarecopiesof : -MyIdentityTheftReport ( fileno._______, [ policedept/FTC ] ). -GovernmentIDandproofofresidence. Failuretoremovethefraudulentdataconstituteswillfulnoncomplianceunder15U.S.C.1681n, entitlingmetostatutorydamages, actualdamages, andattorneyfees. REQUESTEDRELIEF ( ALLITEMS ) 1.Completereinvestigationwithin30dayspursuantto611 ( a ) ( 1 ) ( A ). 2.Deleteorcorrecteachentryfoundinaccurateorunverifiableandissueanupdatedconsumerreportper611 ( a ) ( 6 ). 3.Providethebusinessname, address, andtelephonenumberofeachfurnishercontacted. 4.ConfirminwritingthattheXXXXXXXXidentitytheftaccounthasbeenblockedunder605B. FailuretocomplywiththeseobligationswithinthestatutoryperiodwillconstituteawillfulviolationoftheFCRA ( 616/1681n ) andnegligentnoncompliance ( 617/1681o ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
This debt was sold to a third party debt collector under the name of : - Nationwide Capital Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NV XXXX These calls were pervasive, however during legal collection call hours. They contacted my mobile phone, house phone, and family members, from several different spoofed phone numbers After the last call i received, i requested they stop contacting me, and was told they will choose a different number and continue collection calls. The debt they are trying to collect on violates my states usury laws, the principal of the loan was paid back, as well as significant interest.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: SC

Complaint narrative:
CARTER-YOUNG INC is falsely reporting on my credit. I have never had any accounts with them. Per my research CARTER-YOUNG INC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-03-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Oquirrh Mountain Law Group, P.C.
State: AL

Complaint narrative:
These Data Furnishers In Disguise XXXX People XXXX XXXX Deceitful XXXX XXXX, They Keep XXXX Spamming My Mail An Keep Wanting Me After I Cancel They Instantly Sold My Personal Information & Data Along With My Billing Information I Constantly Get My XXXX Rights Violated Don't XXXX Happens This Is XXXX NO ONE IS HELD A XXXX ACCOUNTABLE For Violating Federal Law. My Attorney General Is A Scary XXXX XXXX Who Is Scared To Talk To These Corps .Like My Credit Went From XXXX To A XXXX. I've Been XXXX Over Multiple Times Over An Over. These Laws Are A XXXX Joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: MA

Complaint narrative:
I am filing a complaint regarding a vehicle purchase through Carvana and a failure in their sales and checkout process related to GAP coverage. During the online checkout process, I selected GAP coverage and proceeded under the belief that it was included in my financing. As a first-time buyer, I relied on the platform and its guided process to ensure all selected protections were properly finalized. At no point was it clearly communicated that an additional step or separate signature was required to activate this coverage, nor was it presented in a way that distinguished it from other required contract elements. After my vehicle was recently declared a total loss, I contacted Carvana to file a GAP claim and was informed that no GAP coverage was active. This has left me with a significant financial deficiency of approximately {$7000.00} {$8000.00}. I requested that Carvana review any records of my checkout selections or system logs to confirm my initial selection of GAP coverage, but they declined to escalate the matter beyond citing the final contract. My concern is not about retroactively adding coverage, but about a failure in the checkout and contracting process that led me to reasonably believe coverage was in place. I am requesting a formal review of this transaction, including any available system records of my selections, and consideration of a resolution given the financial harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MS

Complaint narrative:
I received an email this morning out of nowhere stating that my account would be closed XX/XX/XXXX due to some kind of criteria, I called and ask why and was told it was because some of my transactions didnt meet there policy. So I told them per contract they had to show me proof email, pdf file etc. I was told that was not in their policy, even though it is. I then stated that I have an open dispute in the amount of {$3600.00}, that is supposed to be settled by XX/XX/XXXX, and that they cant close it. They told me they would send me a check, without giving me a valid reason as to why its being closed. I feel as though they did not want to give me my money back so they closed my account instead

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am filing a complaint against IC System , Inc. for falsely reporting and re-aging a debt. This account relates to XXXX XXXX XXXXXXXX XXXX and XXXX ( XXXX ), with the original delinquency occurring in XXXX, and I have not made any payments since that time. However, IC System , Inc. is reporting missed payments beginning XXXX, and opened date of XX/XX/XXXX. This is false and misrepresents the age and history of the debt. A debt collector can not reset the reporting period or create a new payment history. The 7-year reporting must be based on the original date of delinquency. This account is being reported with inaccurate information and beyond the allowable reporting period, in violation of the Fair Credit Reporting Act. I am requesting immediate deletion of this account from all credit reporting agencies.

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 2026-03-18 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: SC

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank account was closed around XX/XX/year>. At the time of closure, my account had a remaining balance of approximately {$6000.00} based on my bank statement. Citibank states that the account closure process takes 3060 days. However, it has now been approximately six months, and I have not received my funds. I have also not received any clear communication confirming the amount of my remaining balance, whether a check was issued, or when it was sent. In response to my complaint, Citibank only stated that if there are funds, they will issue a check and send it to my address. This response is vague and does not confirm whether my funds were actually returned to me. They failed to provide basic information such as the exact balance, issuance date of any check, or proof of mailing. This situation is unacceptable. A financial institution should be able to clearly account for a customers funds and provide documentation of payment. The delay of over six months far exceeds their stated timeline and raises serious concerns about how my account and funds were 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

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 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 2026-03-18 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:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYSis 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 2026-03-18 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: EQUIFAX, INC.
State: TN

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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: PA

Complaint narrative:
On XX/XX/year> I purchased a XXXX XXXX on my apple card on an installment plan. On XX/XX/year> due to an internal issue, Apple accidentally canceled my order. After a few days, I reached out to Apple Card and they said that Apple needed to reverse the purchase to get the hold off my card. I called Apple and they said it was zeroed out on their end. As of XX/XX/year> the funds have still not been released and a payment plan is still showing up on my card. I did a 3-way call to Apple Card with a manager from Apple to get it resolved. The agent we first talked to said a dispute would have to be filed and we asked if we could talk to a manager. We got transferred and the manager said there was nothing he could do and we would have to wait for the transaction to fall off automatically. That means my purchasing power is being held hostage for at least 30 days or up to 90 days depending on who I believe. I talked to multiple people. It was escalated to a manager and after some back and forth he said there was nothing that could be done. I mentioned filing this complaint and my intent was to file a dispute with them too. However as soon as I said " CFPB '' he started talking loudly over me and said something like due to security reasons he was terminating the call and hung up on me. I have re-called and filed a dispute, but this behavior for a ruputable financial institution is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Money was stolen out of my bank account due to fraud. I asked for my money back asap as i care for a child whos XXXX solo and theyre not taking me seriously..

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Complaint against PayPal XXXX XXXX XXXX regarding delayed provisional credit I am filing this complaint regarding a disputed charge currently under investigation through XXXX involving a merchant called XXXX XXXX XXXX on XX/XX/XXXX for {$420.00} This transaction was fraudulent, and no services were provided. I reported the issue promptly and fully cooperated with all requests. Despite this, I have not been issued provisional credit while the investigation is ongoing. I have contacted customer service and was told the case is with a back office and that there is no direct way to expedite or issue credit. However, under standard dispute procedures, I understand that provisional credit may be issued during an active investigation, especially in cases involving fraud or services not rendered. This delay is causing financial hardship. I am requesting that PayPalXXXX XXXX XXXX XXXX review my eligibility for provisional credit Provide a clear timeline for resolution Ensure my claim is handled in accordance with applicable consumer protection standards I am seeking prompt action to resolve this matter and access to my funds during the investigation. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the servicing of my mortgage loan ( account ending in XXXX ) by M & T Bank. On XX/XX/XXXX, I submitted a formal Notice of Error under RESPA / Regulation X disputing multiple servicing issues related to my escrow account. Under 12 C.F.R. 1024.35, covered errors include failure to pay taxes or insurance and charges the servicer agreed to collect and pay. In or around XX/XX/XXXX, M & T Bank reduced the amount collected for property taxes through escrow to {$0.00} without providing written notice or explanation. I was not informed that property taxes would no longer be escrowed or that I would be expected to pay them outside escrow. As a result of this undisclosed escrow change and related servicing errors, my monthly mortgage payment increased from {$2800.00} to {$4100.00}. There was also an insurance servicing error. M & T Bank applied temporary / force-placed insurance based on incorrect information even though I had valid homeowners insurance through XXXX. That temporary coverage was later canceled without charge, confirming the insurance information used by the servicer was incorrect. M & T Bank sent an acknowledgment letter dated XX/XX/XXXX stating it had received my correspondence and was reviewing the account, but it did not provide findings or resolve the issues. As of XX/XX/XXXX, I have not received a substantive written response explaining why my tax escrow was set to {$0.00}, whether insurance errors affected my escrow analysis, or whether my payment amount has been corrected. The acknowledgment letter I received is reflected in the banks response letter dated XX/XX/XXXX, which I received on XX/XX/XXXX. I am requesting that M & T Bank provide a full written response to my XX/XX/XXXX Notice of Error, explain why my property-tax escrow was reduced to {$0.00} in XX/XX/XXXX without notice, provide a complete and accurate escrow analysis, correct any escrow/payment errors, address the insurance servicing error, and remove any fees or adverse effects caused by these servicing issues.

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 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: QC HOLDINGS INC
State: KY

Complaint narrative:
Lendnation said XXXX that they gave me {$100.00} loan and THEY DID NOT and they cant provide me with ANY records showing that I have received and or signed for the loan and why they cant do this is because I NEVER RECEIVED A LOAN FROM THIS COMPANY AT ALL

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