vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed from my report as soon as possible.

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 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NM

Complaint narrative:
I had seen an ad online about someone selling a XXXX XXXX XXXX XXXX XXXX XXXX and i contacted them and i had no idea it was a scam so i sent my shipping address and sent the XXXX XXXX only after id sent the money the person completely ghosted me and ive tried multiple times to contact them again but with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Transform Credit Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding a fraudulent loan that was opened in my name due to identity theft. I never authorized or received this loan. Despite notifying the credit bureaus and disputing the account, the fraudulent account continues to appear on my credit report. This violates my rights under the Fair Credit Reporting Act. I have also reason to believe my personal information XXXX have been compromised during the Equifax data breach. I am requesting the immediate removal of this fraudulent account from my credit reports and confirmation that the creditor has ceased reporting this debt. I have attached supporting documentation including my identity theft report and proof of identity. Requested resolution : XXXX deletion of the fraudulent account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
Im very disappointed with my experience at First Horizon Bank. My bank account was suddenly closed without any explanation or warning. I was not given a reason, and no one from the bank reached out to discuss the situation before shutting it down. As a customer, you expect transparency and communication, especially when it comes to something as important as your personal finances. Closing an account without providing any information leaves customers confused and frustrated. I hope First Horizon will improve how they communicate with their customers in situations like this. People deserve clear answers and better customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint against Resurgent Capital Services regarding their attempt to collect a fraudulent debt in the amount of {$400.00}. This debt is the direct result of identity theft, and I am not responsible for it. Background of the XXXX : The original account was a fraudulently opened an XXXX credit card with XXXX XXXX. In XXXX XXXX XXXX, a specific suspect ( a former acquaintance ) gained unauthorized access to my personal information. The suspect subsequently opened this account and utilized dynamic virtual card numbers and third-party payment platforms to obscure the unauthorized transactions. Law Enforcement Involvement : I have filed a formal criminal report with the local police department ( Case # XXXX ), which is currently an active Class XXXX Felony Identity Theft investigation. I have also filed an official FTC Identity Theft Affidavit ( Report # XXXX ) and have provided law enforcement with specific, verifiable leads regarding the suspect 's identity and methods. Failure of the Original Creditor : Prior to this collection attempt, I filed a CFPB complaint against the original creditor, XXXX XXXX ( COMPLAINT ID : XXXX ). Instead of conducting a reasonable investigation into the documented fraud, XXXX XXXX responded stating they were " not the appropriate company to address the issue. '' In fact, prior to this, they had transferred or sold the controversial fraudulent debt to Resurgent Capital Services, completely evading their investigative responsibilities. My Actions Taken : On XX/XX/XXXX, Resurgent Capital Services issued a collection notice giving me until XX/XX/XXXX, to dispute the validity of the debt. Today, on XX/XX/XXXX, I exercised my rights under the FDCPA by mailing a formal Dispute and Identity Theft Notice to Resurgent Capital Services via Certified Mail with Return Receipt. My mailed packet explicitly notified them of the fraud and included my police report case number and FTC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have been unable to access my Chase Freedom XXXX credit card account online for over 45 days ( since account opening ) due to an unresolved bug or system issue from their side. During this time, I have spoken with more than XXXX customer service representatives across multiple calls and departments, posted complaint on social media like XXXX XXXX and have also visited Chase branches several times. Each time I explained the issue in detail, but no one has been able to resolve it or take ownership. Because I can not access my account, I am unable to properly manage or pay my credit card bill online. I am concerned that this situation may lead to missed payments, unmonitored credit usage and negatively impact my credit score, even though the issue is caused by the banks inability to fix the problem. I have made numerous good faith attempts to resolve this directly with Chase, but the issue remains unresolved. I am requesting that Chase immediately fix the account access issue and ensure that I am not charged late fees, interest, or reported negatively to credit bureaus due to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed from my report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: GUARANTEED RATE INC.
State: LA

Complaint narrative:
Complete application for FHA Mortgage with Guaranteed Rate mortgage about XX/XX/XXXX ; Application was denied in XX/XX/XXXX. I requested that my appraisal fees paid via debit card be refunded. XXXX XXXX XXXX, loan officer, was contacted and a request for the return of my appraisal fees was sent to her via text messages on XX/XX/XXXX, and via email on this date as well to her and her colleague, XXXX XXXX. XXXX said she would handled the matter initially. Several days past as I pressed for when and how the funds would be returned. XXXX presented a XXXX XXXX labeled indicated that the check would be mailed once the check was printed out from their compliance office. I requested a contact person name and number to get more information about when the check would be sent and how the money would be returned. to me. XXXX indicated the refund would have to be in check form. However, over a course of three days and the weekend the check never was received via XXXX XXXX mail. Also, I contacted XXXX XXXX XXXX department and was informed that their records reflect the label was printed out but no mail had been received or delivered to XXXX XXXX for delivery. Thereafter, I contacted XXXX and XXXX XXXX requesting the status of the refund check which supposedly mailed already but had not been received. Again, XXXX saying it could be today XXXX XX/XX/XXXX or XXXX, however no mail was received nor no indication in XXXX record of receiving the UPS package for delivery. On XX/XX/XXXX, XXXX saying it could be mail at any time not sure when. I informed her that I would be sending a complaint to CFPB and federal and state mortgage regulators because of the deceit about the mailing and noncompliance of federal law in mortgage regulations. XXXX seems nonchalant and suggested I file a complaint. See attached complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on Experian, Equifax XX/XX/year> and Transunion XX/XX/year> Amount : {$690.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bilt Technologies, Inc.
State: GA

Complaint narrative:
Subject : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX terminated their financial relationship XX/XX/year>. XXXX XXXX ( XXXX ) XXXX owners would have to apply for a new XXXX XXXXXXXX XXXX If they do not, XXXX XXXX will transition them to a XXXX XXXX XXXX XXXX. XXXX XXXX misled, and falsely promised a smooth transition. They promised bigger perks, better card, and overall a better experience. Which none have been honoured. I was under the pretence that I would be receiving the same great service I have before with the XXXX XXXX XXXX XXXX Unfortunately, I was blindsided and received the complete opposite. Bilt XXXX I had the ability to charge rent payments to my credit line. XXXX XXXX was offering the same, where I paid my rent using the new BILT XXXX card and I selected that I want my payment to come out of my XXXX credit line. Unfortunately, without my XXXX - XXXX charged XXXX chequing account. This mistake cost {$230.00} and the rent payment was rejected and sent back to the merchant. I have been trying for over XXXX weeks to get in contact with someone from XXXX. I called XXXX different numbers, sent multiple emails, tried reaching out for help via XXXX XXXX support. 5 days later after waiting for a representative on XXXX XXXX. A representative stated that I would have my fees refunded to me. Before I could respond, they closed the chat. I have been trying to call and get in touch with a supervisor to honour what XXXX put into writing but they are refusing to do so. I need XXXX to honour what they put into writing and refund my {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year>, an unauthorized Pay Anyone transfer of {$4000.00} was sent from my Chime account to another user without my permission. I did not authorize or approve this transaction and I do not know the recipient. I believe my account was compromised. After discovering the transaction, I immediately reported it to Chime and opened a fraud dispute. Chime created dispute case # XXXX and stated that the matter is under investigation. I am requesting that Chime fully investigate this unauthorized electronic transfer and reimburse the {$4000.00} that was taken from my account without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: 4M Collections, LLC
State: OR

Complaint narrative:
I am disputing a medical debt being reported on my credit report by a third-party collection agency related to services from a hospital. I requested validation of this debt, but the response I received did not adequately verify the debt or demonstrate the collectors authority to collect it. Despite my dispute, the account continues to be reported on my credit report. I believe this information may be inaccurate or incomplete under the Fair Credit Reporting Act. I am requesting that this account be properly investigated and either validated with adequate documentation or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
Response to Complaint ID : XXXX I am responding to National Credit Systems reply regarding the account placed on XX/XX/year> for XXXX XXXX XXXX. I dispute the alleged damage charges. NCS has admitted that they did not assess the charges themselves and only provided a copy of the lease and ledger. These documents do not verify that any damages occurred, nor do they include move-in or move-out inspection reports, photographs of damages, or repair invoices. Without this documentation, the debt remains unverified. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am entitled to validation of any debt reported to the credit bureaus. Private agreements or confidentiality can not override these legal obligations. I hereby request that NCS provide the following within 30 days of receipt of this message : Move-in and move-out inspection reports. Photographs clearly showing any alleged damages. Receipts or invoices showing repair costs. Documentation proving that charges exceed normal wear and tear. If NCS can not provide this evidence within 30 days, I request that this account be immediately removed from all credit reporting agencies, including XXXX XXXX XXXX XXXX. I am prepared to provide any documentation I have supporting my dispute. I request that CFPB ensure that the account is accurately reported or removed if verification is not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: OH

Complaint narrative:
In XX/XX/year>, I discovered fraudulent charges on my credit card totaling approximately {$270.00} from XXXX. The transactions consisted of two charges of approximately {$120.00} and {$140.00} through a third-party marketplace seller on XXXX identified as XXXX. I did not make these purchases and have never conducted business with this seller. The order associated with these charges lists a billing email address of XXXX, which does not belong to me and has never been associated with my credit card account. This alone indicates the order was placed by an unauthorized party. Prior to noticing these charges on my credit card statement, I received an empty mailer at my home address from an unknown sender. After reviewing the investigation report provided by Goldman Sachs, I learned that the seller claims I ordered XXXX XXXX and that tracking information shows a package was delivered to my mailbox. However, I never ordered these items and never received any merchandise. The only item delivered to my address was the empty mailer. Based on the circumstances, it appears the third-party seller may have intentionally sent an empty envelope to create a tracking record that falsely shows a package was delivered. This is a known fraudulent practice used by marketplace sellers to avoid chargebacks by generating proof of delivery without actually shipping the purchased items. I have disputed these charges multiple times with Goldman Sachs and explained that the order email address is not mine, that I did not place the order, and that I never received the items described in the transaction. Despite this information, I was notified that the investigation determined the transactions were not fraudulent and that the charges would be reapplied to my account. I believe this determination is incorrect and that the investigation did not adequately consider the clear indicators of fraud, including the unauthorized email address and the deceptive shipment of an empty mailer. I am requesting that Goldman Sachs reopen this investigation and permanently remove these fraudulent charges from my account. I have redisputed these charges multiple times over the past year with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was overcharged by a restaurant after leaving my tab open. I disputed a part of this charge with the card company. They came back and did not contact the restaurant or provide any proof I made this purchase. They sent me a letter saying the merchants response was inclosed, but this was completely blank and had no response or proof from the merchant. I then contacted the XXXX where they sent the exact same response without contacting the merchant or requiring any proof that I made this purchase. Since I didn't authorize this charge, there will be no signature on file at the restaurant after they charged my card.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
On XX/XX/XXXX, I received a phone call that appeared to come from Navy Federal Credit Union. The caller ID displayed Navy Federals phone number, and the caller identified themselves as a member of Navy Federals fraud department. The caller informed me that my account had been compromised and that there were fraudulent transactions occurring. They stated that in order to secure my account and prevent further fraud, I needed to move my funds to a secure location temporarily while the issue was being investigated. Because the call appeared to come from Navy Federal and the person represented themselves as a bank fraud specialist, I believed I was speaking with my bank. Following the instructions provided, I transferred {$3900.00} from my Navy Federal account to XXXX XXXX, and from there the funds were converted to Bitcoin and sent to a recipient code provided by the caller. I later discovered that the caller was not associated with Navy Federal and that this was a bank impersonation scam. The caller had spoofed Navy Federals phone number and used social engineering to convince me that my funds were at risk and needed to be moved immediately. I immediately reported the incident to Navy Federal and filed a fraud claim. However, the claim was denied even though the transaction occurred as a result of deception by someone impersonating my bank. This transaction was authorized only because I was misled by a person pretending to be a Navy Federal representative. I did not knowingly send money to a scammer or intend to transfer funds to an unauthorized party. I am requesting that Navy Federal reopen and properly investigate this case as a bank impersonation and social engineering fraud. I am also requesting that they attempt to recover the funds or provide reimbursement, as the transaction occurred under deception and impersonation of the financial institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief