vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 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: MORGAN STANLEY & CO. LLC
State: NY

Complaint narrative:
I had unauthorized debit transactions on my bank account I called and filed a dispute on XX/XX/year> for amount around XXXX the person i talked to said she had gotten all the transactions i asked her if she was sure cus it was done way to fast she said yes i asked if she also re ordered teh debit cards she said yes and then said she filed the dispute and hung up it did not sit well with me i had a feeling it was not right so on XXXX i called to check on the dispute only to find out she only did a few transactions totaling XXXX so the person i talked to said they had filed a dispute for the transactions that was not done and said they ordered new debit cards that was supposedly ordered and never was I called back on XX/XX/year> to make sure it was done right and to see if the debit cards were ordered and again not all the transactions were disputed and still no debit cards orders and they assured me that is was all good the whole XXXX worth of unauthorized transactions were now being disputed so i did get the XXXX provisional credit on XX/XX/year> for the call i made on XX/XX/year> and was suppose to get the other provisional credits in 10 business days on XX/XX/year> and XX/XX/year> well both days came and gone and i called on XX/XX/year> and they said there is no provisional credit pending im not sure what they are doing but I was made aware they are suppose to give me provisional credit within the 10 business days if they cant complete the dispute by then im not getting any answers either about whats going on i keep getting told that the disputed transactions were not all done, i think this is a ploy to prolong things the company im dealing with is e trade Morgan Stanly banking

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and legality of information being reported on my consumer credit file pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. I recently obtained a copy of my credit report and noted that the following account ( s ) are being reported : [ Barclays Bank Delaware ] I dispute this account in its entirety. I never provided written authorization, consent, or permissible purpose for this creditor to obtain my consumer report or to furnish information regarding this account to your bureau, as required under 15 U.S.C. 1681b. Under the Fair Credit Reporting Act, consumer reporting agencies are required to ensure that any information reported is furnished and obtained only for a lawful and permissible purpose, and that the information is accurate, verifiable, and complete. Please provide verification that this account was obtained and reported with a valid permissible purpose and that proper authorization exists. Pursuant to 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of this matter. If the furnisher can not provide competent evidence of authorization and permissible purpose, the account must be deleted from my credit file. Additionally, under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information contained in my consumer report. If this account can not be verified as required by law, please delete it immediately and provide written confirmation of the deletion. If you verify the account, please provide copies of any documentation relied upon to establish permissible purpose and authorization. Thank you for your prompt attention to this matter. I expect your response within the time frame required by law. Sincerely, XXXX XXXX

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Inaccuracies frequently m debt collector, harassing emails and text messages to f know know knowledge of this activity on my credit report. FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus have fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I asked if they could provide the purchase agreement. I asked to presented the bill of sales. I shared the bill of sell is just a document that with details of XXXX loans can buy debt from. The purchase agreement being requested in reference t the debt in which XXXX allegedly stating they have purchased.

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 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am disputing the reporting of a collection account from AARGON AGENCY INC listed as XXXX that appears on my credit report with a balance of {$860.00}. Several aspects of the reporting appear inconsistent or incomplete. First, the account status is listed as Unknown. Credit reporting should clearly identify the status of an account so that lenders and creditors can understand the nature of the obligation. Reporting an account with an Unknown status appears incomplete and potentially misleading. Second, the account is listed as a collection account, yet the report states that I am currently late on payment while also reporting {$0.00} past due. These statements appear contradictory because a collection account that is closed should not simultaneously indicate that a consumer is currently late while also showing no past due amount. Third, the account shows the following timeline : Date opened : XX/XX/XXXX Date closed : XX/XX/XXXX Despite this, the payment history section still indicates missed payments and ongoing delinquency indicators, which may not accurately reflect the status of a closed collection account. Because of these inconsistencies, I believe the account may be reporting inaccurate or incomplete information.

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 2026-03-16 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Was sold a policy I could not use from XXXX XXXX in which construes as fraud

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 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Under the Fair Credit Reporting Act 611, I am requesting verification of this alleged debt. Please provide documentation including the original signed agreement, full account history, and proof that your company has legal authority to collect. If this information can not be provided, the account must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
SYNCB stopped sending paper billing and increased monthly payment. Account was on autopay since it was XXXX interest for 5 years. They increased payment for a paper statement that we denied several times. From that point on they decided to bill for statements and added interest on this fees which were not authorized by me. Last I checked they are charging over {$600.00} for stammers and interest in the statement. Account has since been paid in full for the original amount and way before the 5 year mark.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, my Social Security disability benefits were deposited into my Chime account. During most of this period I was incarcerated and unable to access my phone, financial accounts, or protect my identity. While I was incarcerated, XXXX XXXX XXXX ( DOB XX/XX/XXXX ) accessed my financial accounts without authorization and transferred money from my Chime account. These funds were federal Social Security benefit payments issued to me. The total amount stolen from the account was {$10000.00}. After I was released and discovered the unauthorized transfers, I reported the fraud. However, Chime has failed to properly investigate the unauthorized transfers or attempt recovery of the funds. Electronic transfers through the banking system can be traced through ACH transaction records, and the receiving financial institutions can identify the accounts that received the money. Chime has not provided me with any documentation of a proper fraud investigation and has refused to recover or reimburse the stolen funds, despite the fact that these transfers were unauthorized. Because these funds were federal government benefit payments, the failure to properly investigate the theft is extremely concerning. I am requesting that Chime : Conduct a full fraud investigation Perform an ACH trace on the transfers Identify the receiving accounts and financial institutions Attempt recovery of the stolen funds Provide written documentation of their investigation Reimburse the stolen funds if the investigation confirms they were unauthorized I can provide additional documentation including witness statements and records showing I was incarcerated during the time the funds were taken. Dispute # XXXX Dispute # XXXX Both were filed XX/XX/XXXX shortly after being released from incarceration. I have filed to report with the police as well as an XXXX report and identity theft.com dispute. All of these records are included in as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am submitting this complaint regarding a financing dispute with Affirm related to an airline ticket purchase through XXXX. On XX/XX/year>, I purchased an airline ticket through XXXX using financing from Affirm. The total purchase amount was approximately {$800.00}. Passenger Name : XXXX XXXX Ticket Number : XXXX Airline : XXXX XXXX XXXX : XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) Flights : XXXX and XXXX When I arrived at the airport for departure, the XXXX ticket counter informed me that my ticket had been suspended due to a visa-related issue. I did not receive any prior notification from the airline that my ticket had been suspended. Because the ticket was suspended at the airport, I was unable to board the flight and I was also unable to cancel the reservation earlier through XXXX or the airline system. As a result, the service that I paid for could not be used. Despite explaining this situation, the dispute was closed and I am still being asked to continue payments to Affirm for a ticket that I was unable to use. This situation was outside of my control because the airline suspended the ticket without prior notice. I respectfully request that this situation be reviewed and that the remaining balance of approximately {$330.00} be reconsidered since the ticket became unusual due to airline action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am requesting a review of interest charges on my XXXX XXXX XXXX account. My statement balance of {$1900.00} due XX/XX/year> was paid in full the same day but posted approximately XXXX hours after the cutoff time, so the payment was considered late. I contacted customer service on XX/XX/XXXX regarding the account. During that call, I was not informed that interest would continue accruing because the grace period had been lost. Had I been made aware of this, I would have immediately taken steps to prevent additional interest. As a result, I was charged {$55.00} on XX/XX/XXXX and {$69.00} on XX/XX/XXXX. Because the payment was only hours late and I acted promptly, I respectfully request a one-time goodwill adjustment to remove these interest charges. My account has since been closed and will be paid in full. I am seeking only a review and reversal of the prior interest charges that were applied under circumstances that were not properly explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
On XX/XX/year> I disputed some accounts with ChexSystems, with a confirmation ID : XXXX No target date was given, nor any correspondence received. My complaint exceeded XXXX days and was subsequently, and quietly ignored. I ask that these accounts be deleted, per FCRA regulation 611, as they can not be verified and ChexSystems took longer than XXXX days to respond to my request.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I received emails and phone calls from spam numbers insisting that I use to pay back the debt I didnt owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am disputing the accuracy of an account being reported on my credit report. I have not received documentation validating the balance, payment history, or proof that the reporting entity has the legal right to report this debt. Under the Fair Credit Reporting Act, I am requesting verification of this account. If the account can not be properly validated, I request that it be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Under 15 USC 1681, leveraging the Fair Credit Reporting Act and ( UCC ) debt collectors have not provided debt validation and information has been shared without my written consent and or knowledge please promptly remove all inaccurate unverifiable and unauthorized accounts from my credit report please.

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Requested Resolution - American Express Business Gold Card I request that American Express return {$570.00}, representing the interest charged on XX/XX/XXXX, on my American Express Business Gold Card, which was assessed as a direct result of American Express freezing my business checking account and preventing access to the funds used to make timely payments. On XX/XX/XXXX, American Express restricted and closed my American Express Business Checking account without prior notice and withheld my business funds. These same funds were used to make payments on my American Express credit card accounts, including my Business Gold Card. Because American Express prevented access to my own funds, I was unable to make the required payment. Despite this, American Express assessed {$570.00} in interest on XX/XX/XXXX, while simultaneously continuing to withhold my business funds and placing accounts into collections. This charge was not the result of nonpayment or financial mismanagement, but rather the direct and foreseeable consequence of American Expresss own actions. In addition to the financial burden of this interest charge, the situation has resulted in : Late fees and additional interest across accounts Collections placement A documented drop in my XXXX Risk Rating Out-of-pocket costs for business credit monitoring Accordingly, I request : Full reimbursement of the {$570.00} interest charged on XX/XX/XXXX Confirmation that no additional interest or penalties related to this period will be applied Correction of any negative credit or XXXX reporting related to this incident This interest charge was incurred solely because American Express restricted access to the funds necessary to make payment. I respectfully request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi agreed via recorded phone call on XX/XX/XXXX and XX/XX/XXXX to issue a {$250.00} credit but failed to apply it. I request that Citi review the call recording and honor the agreed resolution. In addition to phone calls, I also sent an email and letter but I dont received any response from Citi XXXX

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 2026-03-16 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: Bilt Technologies, Inc.
State: WA

Complaint narrative:
So I providing a formal complaint about Bilt rewards Co. and their new Bilt 2.0. They recently just ended their partnership with XXXX XXXX and alike thousands of others that used their past card to pay for rent I opted for the transition to opening a Bilt Obsidian to continue making rent payments. Upon the first real rent payment that should have went smoothly since everything was updated to the new card I had my payment with my apartment complex managed my XXXX XXXX declined. I was then charged {$50.00} of late fees NSF twice after I thought the first payment was just a simple error. I reached out to Bilt immediately about the issues, and they have been avoiding my support request ever since. Its been two weeks ( 14 business days ). The funds that I had in my synced Bank Account to pay for my Bilt Credit for my rent was also taken from Bilt and yet on Bilts end it does not reflect. My apartment building also is saying none of the payments were even processed. This is a huge issue and all online I see hundreds of threads with the same problem. I am seeking reimbursements and will be looking into pressing charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
XXXX '' } I am disputing a collection account reported by Radius Global Solutions on behalf of XXXX XXXX XXXX for {$320.00}. I do not recognize this account and have never received billing statements, contracts, or documentation showing that I opened or authorized an account with XXXX XXXX XXXX that would result in this debt. Despite this, the account is being reported as a collection on my credit report. I have not received proper verification of this debt or documentation confirming that it belongs to me. I am requesting verification of the alleged debt, including proof that I opened or authorized the account, a copy of the original agreement, and a full accounting of how the {$320.00} balance was calculated. If this documentation can not be provided, the collection account should be immediately removed from my credit reports and the account should be closed

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