vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: AZ

Complaint narrative:
My phone was stolen on or about XX/XX/year>. During the time I did not have possession of my phone, an unknown individual accessed my Chime account without my authorization. While my phone was stolen, the individual sent messages to my personal contacts impersonating me and requested money. As a result, funds were sent to my account by my contacts under false pretenses. The same unauthorized individual then transferred those funds out of my Chime account without my knowledge or consent. I did not authorize, initiate, or approve any of these transactions. This was a clear case of account takeover and unauthorized electronic fund transfers. I filed a police report regarding the theft and fraudulent activity and provided this documentation to Chime. Despite this, Chime denied my dispute multiple times and failed to provide a sufficient explanation or evidence showing that these transactions were authorized by me. I am requesting a full investigation under Regulation E and reimbursement for all unauthorized transactions associated with this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt LVNV FUNDING ( XXXX XXXX ) claim I owe. I am requesting full validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Under federal law, you are required to provide proper verification of the debt, including but not limited to : The original creditors name and address The full account number A complete accounting of the alleged debt amount Proof that you are legally authorized to collect on this debt Documentation bearing my signature showing I agreed to this obligation Until you provide this validation, you must cease all collection activities. Additionally, pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this alleged debt, except to provide the requested validation or to notify me of specific legal remedies. Furthermore, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. If you are reporting this account to any credit reporting agencies, you are required to report only accurate and verifiable information. Reporting unverified or inaccurate information constitutes a violation of federal law. If this account can not be properly validated, I demand that you : 1. Immediately cease all collection efforts 2. Remove all references to this account from my credit reports 3. Notify all credit reporting agencies to delete this account Failure to comply with these federal statutes may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. This letter is not an acknowledgment of any debt, nor is it a refusal to pay a valid obligation. It is a notice sent pursuant to my rights under federal law. Please respond in writing within 30 days of receipt of this notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions on my Cash App ( Block Inc ) account totaling approximately {$2500.00}. I reported these transactions promptly and initiated a dispute. However, Cash App failed to provide provisional credit while the investigation is ongoing and issued inconsistent decisions across similar transactions. Specifically, several transactions from the same merchant ( including XXXX and XXXX ) within the same timeframe were treated differently. Transactions under approximately {$25.00} were approved and refunded, while transactions above that threshold were denied. This indicates the decisions may have been based on internal thresholds rather than a consistent and reasonable investigation as required under Regulation E. I also have reason to believe my account information may have been compromised due to a potential data breach or unauthorized access, which further supports my claim that these transactions were not authorized. Additionally, XXXX XXXX has already reviewed similar transactions and issued provisional credits in my favor, which supports the legitimacy of my dispute. Cash App has since closed my account, which has prevented me from properly appealing the denied transactions or accessing full dispute documentation. Under Regulation E, financial institutions are required to conduct a reasonable investigation and provide provisional credit within 10 business days for unauthorized electronic fund transfers.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is a formal dispute of inaccurate late payment and delinquency reporting on my credit report. The accounts in question are being reported incorrectly, as they should reflect a positive payment history of Paid as Agreed. The presence of late payment remarks and delinquent status is inaccurate and not supported by my records. I request that these errors be corrected and all related negative notations be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am filing a complaint regarding American Expresss handling of a dispute involving misrepresentation of goods at time of sale. I purchased a vehicle advertised as equipped with air conditioning, including the statement A/C DOES NOT COOL, which represents that an air conditioning system was installed but non-functional Upon mechanical inspection after delivery, it was discovered that the vehicle had no air conditioning system installed at all. This is not a defect or late-reported damage. It is a material misrepresentation of the goods at the time of sale. American Express has repeatedly denied my dispute based on the merchants internal reporting policy requiring issues to be reported within 2 days. This policy does not apply to misrepresentation at time of sale, where the goods delivered differ materially from what was advertised. Additionally, American Express stated that the merchant offered compensation which I declined. This is factually incorrect. No email, documentation, or communication exists in which the merchant offered any form of compensation. The documented email correspondence shows that no compensation was ever offered. The merchant instead requested documentation and a repair estimate, received all requested materials, and then denied the claim based on shifting reasons ( timing and cost ). I provided structured documentation, including a timeline of correspondence, demonstrating these facts. I am requesting that American Express review this dispute under goods not as described, rather than relying on merchant policy or inaccurate representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
This to update a prior complete and specifically complain of TILA, in addition to bad faith and deceptive practices. The first investigator to respond could not due basic math and her defense was that my {$18000.00} payment was not more than {$14000.00}. She claimed to investigate but also claimed {$18000.00} < {$14000.00}. I only reached her after XXXX hours getting to a supervisor who claimed he was prohibited to reverse more than {$50.00} even if he could see an error or wanted to. After a CFPB complaint, a new investigator called who admitted all previous facts including that XXXX company reps given hours and weeks could not find app feature that would let me know if a payment was pending. However, he claimed there was no design flaw even though it took XXXX months for the company to find someone to explain how the app payment worked. The TILA violations suggest the bad faith and deceptive practices in payments is structural and by design, as they falsely claim to offer grace periods and then violate the grace period by changing a balance due at XXXX and XXXX seconds on the due date. The strangeness of this becomes apparent when even after a {$40000.00} overpayment well before the due date, a statement balance will show {$180.00} is due and make the overpayment credits disappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Marlette Funding, LLC
State: KY

Complaint narrative:
I applied for a personal loan through XXXX XXXX and was approved for an amount intended to consolidate several existing debts. After the loan was issued, I noticed discrepancies between the terms shown during the application process and those actually applied, including the interest rate and total repayment amount. I contacted XXXX XXXX multiple times to request clarification, but the explanations I received were inconsistent, and no corrections were made. As the payments began, the higher-than-expected terms made it difficult for me to keep up, and I have struggled to maintain the required monthly payments despite attempting to resolve the issue directly with the company. I am submitting this complaint so the matter can be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: VA

Complaint narrative:
I am submitting a complaint regarding incorrect billing on a Klarna XXXX in XXXX purchase with XXXX. In early XX/XX/year>, I placed an order with XXXX using Klarna XXXX in XXXX for a total of {$260.00} ( XXXX items ). After the order was placed, XXXX cancelled XXXX item ( XXXX XXXX ) before it shipped. This reduced the actual order total to {$210.00} ( XXXX items ). I made XXXX payments toward the Klarna plan totaling {$130.00}. After that, I returned XXXX of the remaining XXXX items. On XX/XX/year>, XXXX issued refunds totaling {$180.00}. These refunds were sent to my Klarna card and were not automatically applied to the payment plan. Based on XXXX own policy, refunds should be applied to the outstanding balance of the payment plan. However, the plan has not been adjusted and continues to reflect the original total. I have since made the third payment to avoid late fees while this issue is ongoing. However, I do not agree with the remaining balance being charged. The balance currently shown ( {$64.00} ) is still based on the original {$260.00} total and does not reflect the cancellation or refunds. The actual value of the items I kept is approximately {$29.00} ( {$210.00} minus {$180.00} ). Despite this, Klarna continues to attempt to collect additional payment. I have contacted Klarna multiple times since late XX/XX/year>. During these interactions, I was directed back to XXXX, even after confirming the order details with the merchant. XXXX provided documentation confirming the cancellation, order total, and refunds, which I shared with Klarna. Despite this, the issue remains unresolved, and Klarna has referenced unrelated transactions during support interactions. I am requesting that Klarna : XXXX. Apply the refunds correctly to the payment plan XXXX. Recalculate the balance based on the updated order after cancellation and returns XXXX. Stop attempting to collect the final payment based on the incorrect amount XXXX. Remove any late fees associated with this disputed balance XXXX. Refund or credit any overpayment as appropriate This issue has been ongoing since late XX/XX/year> and has not been resolved despite multiple attempts to correct it directly with Klarna.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: MD

Complaint narrative:
Robinhood Financial abruptly closed my investing account citing recent account activity with no specific violation disclosed. My account balance at the time of closure was approximately {$15000.00}, which represents profits earned through legitimate options trading activity. I contacted Robinhood customer service to request a clear explanation. The representative did not provide a valid reason for the closure. They asked what I do for work and stated the closure was related to the frequency of my withdrawals and deposits. I was withdrawing my own trading profits, which I am legally entitled to do. I hold a cash account, not a margin account, so XXXX XXXX XXXX rules do not apply to my account. No policy violations were explained to me, no warning was given prior to closure, and no clear timeline was provided for the return of my funds. Robinhood is withholding approximately {$15000.00} of my money without valid justification. They closed the account so I no longer have access and they blocked my number from support calls and I can not access the app for chat services or my account number to get funds transferred to another XXXXI am requesting that the CFPB investigate this matter and require Robinhood to immediately return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
I keep getting spam calls from a company claiming they are Goodleap. They are trying to get me to pay. I keep reporting and blocking their number but they just change numbers. I get about XXXX calls a week from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: MD

Complaint narrative:
This account shows delinquent, the account is payed off in full from the government assistance no other payments are needed for this account Im in good standing for sure

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian refused to provide the " XXXX of XXXX '' ( Section XXXX ( a ) ( XXXX ) ) and verified debts that the furnishers failed to validate. XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX verified debts with credit bureau XXXX under a legal " Cease Collection '' order ( due to your unanswered DV letters ). Attach your XXXX Mail receipts as proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal is permanently limited my account and will not allow me to access my funds. They said my account is deactivated and I have to wait 120 days before they will release my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute and request for validation of an alleged debt being reported by Midland Credit XXXX. In response, the company sent a letter dated XX/XX/year>, along with limited documentation. The materials provided consisted primarily of account summaries, balance information ( approximately {$3800.00} ), and copies of historical statements from the original creditor. However, the response did not include sufficient documentation to validate the debt. Specifically, the company did not provide a signed agreement, a complete chain of assignment identifying my specific account, or documentation demonstrating that I am legally obligated to pay the debt or that the company has the legal authority to collect. Despite the lack of proper validation, the company continues to report the account to consumer reporting agencies. Because the information provided is incomplete and does not adequately verify the debt, I believe the account is inaccurate and unverifiable. I am requesting that the account be deleted and that the company cease reporting unverifiable information.

Company response to consumer: Closed with explanation