vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I had multiple {$50.00} charges on my Apple Credit Card by Goldman Sachs. I disputed the charges and they were allowed to remain on the account. I disputed them again and was also told that I made the purchases. Multiple {$50.00} purchases of around {$850.00} dollars. They refuse to provide me any details of the investigation they conducted or the proof that the charges were made by me. The company is BN_Online_Services, or at least this is how it shows up for each charge on my statement. I no longer have an account number because they closed my account, even though I always paid my bill on time, and now I am unable to locate an account number because there are no paper statements and the card was digital.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and potentially illegal reporting on my credit file. A collection account from National Credit Adjusters ( NCA ), originally from XXXX, is being reported with a Date Opened of XX/XX/year>. However, this does not reflect the original date of first delinquency. This debt is over 7 years old and should no longer be reported under the Fair Credit Reporting Act ( FCRA ). The collection agency appears to have re-aged the account by updating dates, which is misleading and unlawful. I previously disputed this account with XXXX, and it was verified as accurate, but they failed to provide the method of verification or the original date of first delinquency. I am requesting : Immediate deletion of this account from my credit report Documentation showing the original date of first delinquency Explanation of how this account was verified If this can not be validated properly, it must be removed immediately. This inaccurate reporting is negatively impacting my credit and must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inaccurate reporting of late payments on my open accounts. I am not requesting removal of these accounts. I am requesting correction of the late payment history to accurately reflect on-time payments. Several payments currently reported as late were made on time, within applicable grace periods, or were improperly processed or applied by the furnisher. Despite this, the accounts continue to report late without proper verification. I previously disputed these inaccuracies, yet the late payments remain reporting without evidence that the information is accurate, complete, and verifiable as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I am requesting a full reinvestigation and review of payment records and transaction history. Any late payment that can not be verified must be corrected to on-time. Continued inaccurate reporting is causing ongoing financial harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing an account reported by Jefferson Capital Systems , LLC that I do not recognize. This alleged debt, originally from XXXX, was previously disputed and removed from my credit report. The account has been re-reported without proper validation. I requested documentation including a signed contract, full account history, and proof the debt belongs to me. No such documentation has been provided. A prior collector, XXXX, ceased collection efforts and returned the account, further indicating lack of sufficient validation. Despite this, the account continues to be marked as verified, which does not meet the requirements of the Fair Credit Reporting Act. I am requesting immediate deletion of this account due to inaccurate and unverifiable reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX I had a balance of XXXX pending was a refund for XXXX, I spent XXXX cent on XXXX XXXX. My balance should have been XXXX now my balance is XXXX. My account is missing XXXX. I believe its due to my complaint I filed with with CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I've been a PayPal account holder for XXXX years and I have XXXX business accounts. I noticed that PayPal is now offering crypto wallets and has its own cryptocurrency. It offered me XXXX % dividends to hold it. I chose to buy {$100.00}. PayPal said the transaction was declined. On my XXXX XXXX XXXXXXXX account statement I now have XXXX charges from PayPal for {$200.00}. They say processing and I realize that this may drop off in a few days, but since they earn money on every bit that comes in from these transactions, I'm having a hard time seeing how this is not cut and dry stealing of funds by PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On XX/XX/year>, funds to settle out the collection account for LVNV funding LLC were disbursed. LVNV funding LLC reports on the account to the bureaus, but Resurgent Capital Services collects the payments. On XX/XX/XXXX, these funds of {$580.00} were disbursed to Resurgent Capital Services and on XX/XX/year>, Resurgent Capital Services received this amount to settle the account. I worked directly with XXXX XXXX XXXX XXXX of XXXX to get a settlement meant and I have paid the settlement amount. LVNV funding is still reporting a balance when the account should be labeled as either paid or removed as of XX/XX/year>. They have also promised to remove the account but they are inaccurately reporting a balance when the settlement agreement has been paid in full. I have called multiple times and I have been denied the update through XXXX but have been approved through other bureaus like XXXX XXXX XXXX I have attached proof of payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: MOHELA
State: CA

Complaint narrative:
Identity stolen in 2015. I didnt not get a school loan from Mohlea . Or anywhere Ive been trying to dispute off credit but it wont leave. This is not my account I tried calling but was told I need to contact business bureau. XXXX separate loans

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC

Complaint narrative:
I am a U.S. consumer currently residing abroad in the XXXX. My mortgage servicer owes me funds from a refund/overpayment ( escrow or payoff-related ), but has created unreasonable barriers that are preventing me from receiving money that is rightfully mine. The servicer initially stated they could not send funds electronically or internationally and instead required that a physical check be mailed domestically within the United States. They sent the check to a U.S. address they knew I do not reside at, despite being informed that I live internationally and can not reliably receive mail at that address. To resolve this, I followed their instructions to request a stop payment and reissue the funds via wire transfer. As part of that process, I provided both : * A voided check from my bank account, and * Wire instructions from my bank ( XXXX, an online U.S. bank ) The servicer rejected both forms of documentation : * They refused the voided check because it included my husbands name ( this is a standard joint account ) * They refused the wire instructions because they were not on official bank letterhead, even though XXXX is an online bank and these instructions were obtained directly from the banks official website per their guidance I have made good faith efforts to comply with all requests, but the servicer continues to reject reasonable documentation and has not provided a viable alternative method for me to receive my funds. As a result, they are effectively withholding money owed to me. I am requesting that the servicer : 1. Accept valid wire instructions from my bank or provide a reasonable alternative method of electronic payment, and 2. Promptly release the funds owed to me without imposing unnecessary or outdated documentation requirements that can not be met by customers using modern online banking services This situation has caused unnecessary delay and frustration, and I am seeking assistance to resolve it and receive my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
The Milstone Card Breached the Contract, changed lender to Concord Credit in XX/XX/year>. More than {$150.00} was taken from my balance on XX/XX/year> after I was Charged a late fee for scceduled auto payment that Concord dis not accept, It is possible it was paid manually the same day it was due. My money was not returned for months, fees were added to my balance that reflect on the past due balance. Concord never corrected the balance. I was Charged back checks that I did not agree on in the original contract. Concord still owes me money they never repaid from their original error changing lenders. Additionally Concord Breached the Contract Agreement, Concord has not closed the account in three month of Delinquency. Concord illegally change the terms and conditions causing more debt. Concord credit did not accept scheduled payments that resulted in increasing my debt with back checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding repeated debt collection attempts by TrueAccord for accounts that do not belong to me. Within a XXXXXXXXweek period, I received multiple communications from this company, each referencing different alleged accounts. I have never held any of these accounts and do not owe these debts. Additionally, at least XXXX of these accounts is associated with an address in XXXX XXXX, California, which is not mine and where I have never resided. This clearly indicates that the company is relying on inaccurate information and has misidentified me as the debtor. I have reviewed my credit reports and confirmed that there is no record of these accounts. Despite this, I continue to receive collection communications. This appears to be a case of mistaken identity and improper handling of personal information. I have notified the company that they have contacted the wrong individual and instructed them to cease communication, remove my information from their records, and correct any inaccuracies. However, I am filing this complaint to ensure that this matter is formally documented and addressed. I am requesting that : The company immediately stop all collection attempts directed at me My information be removed from any accounts associated with these debts Any inaccurate information be corrected and not reported I also request confirmation that this matter has been resolved and that no further contact will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute the recent, drastic reduction of my credit limit from {$40000.00} to {$16000.00}. As a long-standing customer and a business owner in XXXX, Texas, XXXX find this automated " balance chasing '' action to be predatory and damaging to my financial standing. Currently, my balance sits at {$15000.00}. By lowering my limit to {$16000.00}, Bank of America has artificially inflated my credit utilization on this account to 97 %. This action was taken despite my consistent payment history and has caused immediate, severe damage to my personal credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA

Complaint narrative:
I am disputing a collection account in the amount of approximately {$1000.00} related to a former lease. After receiving notice of the debt, I requested verification, including receipts, invoices, and proof that the charges were actually incurred. The company only provided a lease agreement, a move-out statement, and an estimate for carpet cleaning, but did not provide any paid invoices or receipts. I specifically requested documentation for charges including carpet cleaning, oven cleaning, repairs, and rent loss. The company did not provide proof that these services were performed or that the costs were actually incurred. On multiple occasions in XX/XX/year>, I followed up requesting proper documentation. The company responded with statements that the creditor confirmed the charges but still failed to provide supporting evidence. I then disputed the account with XXXX The account was marked as verified, despite the company not providing documentation to support the charges. The company continues to report this debt without providing adequate verification, including receipts or proof of services performed. I am requesting that the company either provide proper documentation showing the charges were actually incurred or remove the account from my credit 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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
I am submitting a formal complaint against Credit Acceptance regarding what I believe to be unfair and deceptive lending practices related to my auto loan. Without my clear authorization or adequate explanation, the total loan amount associated with my account was increased. In addition, I have identified multiple fees that were added to my loan balance that were not clearly disclosed to me at the time of signing. These charges were not properly explained, nor did I knowingly agree to them. As a result, my financial obligation has grown beyond what I originally understood and consented to. I believe this may constitute a violation of consumer protection laws, including failure to provide transparent and accurate loan terms. I am requesting that this matter be investigated and that Credit Acceptance be required to : Provide a full and detailed breakdown of all charges and fees added to my account Explain the reason for the increase in my loan amount Remove any unauthorized or improperly disclosed fees Adjust my loan balance accordingly I would also appreciate guidance on any additional steps I can take to resolve this issue. Thank you for your time and assistance in protecting consumers from unfair financial practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC
State: GA

Complaint narrative:
on XXXX XXXX I used a promotional check from my XXXX XXXX XXXX XXXXredit card which has an expiration of use on XX/XX/XXXX the check was not paid. On XX/XX/year> I got a mail from XXXX XXXX XXXX debt collector stating that the check I paid XXXX in the amount of {$850.00} is now owned by Certegy payment solutions which has paid XXXX XXXX XXXX for my unpaid check which XXXX denied receiving any payment from Certegy Payment Solution. Infact I was the one who paid from my XXXX card my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
On XXXX XXXX XXXX my cell phone and Cash App card was stolen on this same day {$1100.00} dollars was used I reported the card stolen had a new one ordered and I tried to get the money back by filling a dispute they refused to return the money so I appealed it and they are still refusing. I had to buy a new phone and got a new card. I need the money back so I can pay bills and medical expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
There was a credit card opened in my name. GS BANK USA, an Apple credit card. Of {$870.00}, I been trying to take it off my credit for theft or fraud, but nothing was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I reviewed my credit and found multiple accounts that I am unaware of. Its damaging my credit. It shows up 2 times but different debt amounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
I just received a collections letter from Portfolio Recovery Associates , LLC for a debt that is well past the statute of limitations for collecting on a debt. I have not contacted the directly because once I do, that resets the clock for collections and as such, I dont want to muddy up the water more than it is by their illegal collection tactics. I have filed complaints with all the CRAs before without any success

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: GA

Complaint narrative:
I am being pursued for a debt I never authorized. This fraudulent account with XXXX XXXX is now appearing on my credit report as a collection from First Credit Services , Inc., causing immediate damage to my credit score. I have never signed a contract, authorized a membership, or even used this gym. This is a clear violation of the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing a complaint regarding the closure of two of my Capital One credit card accounts following returned payments that were caused by fraud on an external bank account. For almost a year I used the same external checking account to make my payments to Capital One without issue. Recently, that external account was compromised without my knowledge. Because of that compromise, payments for multiple billsincluding my Capital One credit cardwere returned by the bank. I did not realize the account had been compromised until the payments were rejected. Once I discovered the issue, I immediately took steps to fix it. I opened both a checking and savings account with Capital One so I could manage my banking and payments in one secure place and prevent any further payment problems. I also paid the outstanding balances on the affected credit card accounts. Despite resolving the balances and moving my banking relationship to Capital One, the company closed two of my credit card accounts due to the returned payments. I was not contacted beforehand to discuss the situation or given the opportunity to correct the issue before the accounts were closed. These closures have negatively impacted my credit profile even though the balances have now been paid and the payment issue was caused by fraud at another financial institution.

Company response to consumer: Closed with non-monetary relief