vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
Someone used my personal information without my permission to open an insurance-related account that I did not authorize. That account was later placed into collections with Weiner. I never opened, used, or benefited from this account. 

I discovered this after reviewing my credit report and immediately began disputing the account as identity theft. I filed an Identity Theft Report with the Federal Trade Commission and submitted disputes to the credit bureaus and the collector. Despite being notified that this account is fraudulent, the collection is still being reported and collection attempts continue. 

This debt is not mine. The company failed to properly investigate my identity theft claim and continues to report inaccurate information, which is harming my credit and causing stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I settled this account in good faith and LVNV continues reporting a paid collection that is preventing mortgage approval

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: MO

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX and XXXX I was charged XXXX seperate charges of $ XXXX totaling {$34.00} XXXX XXXX. 
There seems to be an issue with Chase checking system regarding XXXX or XXXX deposits which I use a lot. 
Example on XX/XX/2026 my checking account was negative, however i have proof that i made a deposit of $ {$67.00} at XXXX XXXX which brought my account to a positive of {$38.00}. According to Chase rules you have until XXXX XXXX the following day to correct before a fee, yet i was still charged XXXX fees! 
This happened on XX/XX/2026 too and i was charged $ XXXX. 

Why is this multi XXXX dollar company using predatory tactics to abuse working class customers? This needs to be addresses as its abuse and i have no idea how many people this has happened to! 

Absolutely shocking!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-30 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: PA

Complaint narrative:
On or about XX/XX/2026 a charge of {$79.00} from a merchant called XXXX appeared on my Chime account. I did not authorize this charge and I do not have a XXXX account. 

I immediately reported this as fraud and filed a dispute with Chime. Chime denied my claim without providing a clear explanation or evidence that I authorized this transaction. 

This charge is unauthorized and fraudulent. I am requesting that Chime conduct a proper investigation and refund the {$79.00} to my account. I also request that my card be replaced and that this matter be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays reported a late payment caused by an annual fee posted after my account was paid in full. This reporting is unfair and inaccurate and caused significant credit damage.

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 2026-01-30 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: NC

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
CREDIT CONTROL SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Autovest, L.L.C.
State: CO

Complaint narrative:
On this day, XX/XX/year>. I had a summons delivered to my place of work for a debt that my paycheck is already being garnished for.

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 2026-01-30 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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I am filing this complaint regarding a missing {$500.00} new account bonus. On XX/XX/XXXX, a Bank of America system failure ( XXXX  driver 's license verification glitch ) prevented me from opening an account online. I was forced to travel to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where banker XXXX XXXX manually opened the account and confirmed he would override/attach the {$500.00} bonus. 
I fulfilled the {$10000.00} direct deposit requirement on XX/XX/XXXX. The XXXX payout window expired on XX/XX/XXXX. Phone support now claims no bonus is linked to the account. Branch management ( XXXX XXXX and XXXX XXXX ) is completely unresponsive to both phone calls and emails. 
This is a deceptive marketing practice where the bank 's own technical failure is being used as a justification to deny a promised bonus. I am seeking the {$500.00} credit immediately.

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 2026-01-30 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: NC

Complaint narrative:
Complaint Summary : I am an active-duty XXXX service XXXX disputing an annual fee that American Express XXXX XXXX to waive despite my immediate attempt to resolve the issue and my reliance on instructions provided by their representatives. 

What happened : I opened an American Express business credit card in XXXX. Within approximately XXXX weeks, I noticed an unexpected annual fee and contacted American Express on XX/XX/XXXX to request a military fee waiver. All of my other American Express accounts have historically had annual fees waived due to my active-duty military status. 

During that call, I was told the account would be forwarded to the military review team and that the process could take 6090 days. I was specifically instructed to wait for the review to complete. 

At no time was I informed that waiting beyond XXXX XXXX would permanently obligate me to the annual fee or eliminate my ability to cancel without penalty. 

I followed XXXX XXXX instructions in good faith. Because the review was taking too long and I did not want to risk being charged, I canceled the card on XX/XX/XXXX. 

Despite this : I was charged the annual fee My accounts were locked I was later told the fee can not be waived This fee only exists because I followed the companys instructions to wait. Had I been informed of the XXXX policy, I would have canceled immediately. 

I believe this represents unfair and deceptive handling of a military customer and a failure to properly disclose material information that directly affected my financial obligation. 

Desired resolution : Remove the annual fee Restore all locked accounts Confirm my account is in good standing with no penalties

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: UT

Complaint narrative:
Multiple phone calls, too numerous to document. We called initially in XXXX to set up XXXX pre-return inspection. Was told we needed to contact XXXX. XXXX advised us they do not inspect in Utah. We then called the alternative XXXX XXXX. They also told us they do not have an inspection team in Utah. Called XXXX back and they advised we should take the vehicle back to XXXX XXXX XXXX where it was purchased as they can do the inspection. Went to XXXX XXXX, they told us they do not inspect vehicles. We called XXXX back at the beginning of XXXX. Again an agent " said '' she had set up an inspection for us. We waited for the inspection team which of course never came because they do not inspect in Utah. 
We called XXXX on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time they referred us back to XXXX XXXX. Each time we called XXXX back the agents insisted that they had scheduled an inspection appointment for us and had us chose dates we would be available. Each time we insisted to them that no inspector would or could come because the do not inspect in Utah. 
On the phone call of XX/XX/XXXX spoke with XXXX agent XXXX by the name of XXXX. He stated that he would reach out to XXXX and confirm whether they would inspect and if they could not we would be given a waiver. I asked to speak to a supervisor. This agent refused to transfer me to a supervisor and our conversation went around in circles. Me telling him that we can not get an inspection and him telling us that we can. I asked if the phone calls are recorded and he advised that they are. I told him we have called approximately XXXX times with no satisfactory resolution. 
The call ended and we reached out to XXXX XXXX last time on the same date to reconfirm. Then called XXXX back. Spoke with a new agent who advised that the would not give us a waiver in writing. We have also sent complaints to XXXX via the message center but now they seem to have terminated my ability to message them. I need a documented inspection waiver to protect myself. 
I will also say I have leased multiple vehicles, at least XXXX or XXXX with other companies and have never had such a negative experience. XXXX XXXX XXXX have hung up on me, talked over the top of me and outright lied to me as revealed to me by agent XXXX in phone call of XX/XX/XXXX when he told me that previous agents did not set up inspections as they had promised. This call is recorded and this is exactly what he said.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently limited my account without providing any specific or substantiated justification. The account was primarily used to pay suppliers and receive refunds or reversals from canceled or duplicate transactions. I did not conduct any sales through this account.

PayPal alleges that my account was involved in prohibited activity related to firearms or ammunition. This allegation is incorrect. I do not sell firearms, ammunition, or regulated weapons, and no such transactions occurred on my account.

I repeatedly requested a clear explanation identifying the specific transaction or activity that allegedly violated PayPals Acceptable Use Policy. I also requested written confirmation of whether there were any disputes, chargebacks, fraud claims, or investigations associated with my account. PayPal refused to provide this information and stated only that the decision was a business decision and could not be overturned. 

Despite confirming no specific violation or dispute, PayPal is holding my remaining balance until XX/XX/year>, without identifying any concrete financial risk, chargeback exposure, or legal basis for such extended retention. 

I believe this constitutes an abusive and non-transparent practice, as my access to funds is restricted without clear justification, documentation, or due process. I am requesting regulatory review of PayPals actions, including the proportionality and legality of the fund hold, and whether this practice complies with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
My minimum payment for XXXX was {$110.00} due on XXXX XXXX. My payment of {$120.00} was taken from my bank on XX/XX/XXXX. The payment was never applied to my account and when I received my statement on XX/XX/XXXX the payment was not shown and I was charged a late fee of {$25.00}. I have spent hours on the phone trying to correct this. Sofi acknowledges the payment and says they will reverse the late fee. I spent another hour today only to get disconnected. I have made my payment due XX/XX/XXXX for {$150.00} and that is showing on my account. They are still showing me late and have not reversed the late fee or reflected my XXXX payment. They teel me it will all be relected on my XXXX statement which will be issued on XX/XX/XXXX. I have zero faith that will happen and I'm concerned this will show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
The XXXX may only owe me for utilities, I have not verified with that but I do not owe them any kind of rent. They put an offer on for early moveout. I claimed that offer and then they did not applied the offer into my account. And then I was not notified by the property management either, they sold it to the debt collection. Which made me suffer. They said they will be offering a month free ( XXXX XXXX  ) if I move out from their apartment on XX/XX/XXXX. As I will move out on XX/XX/XXXX, I dont need to pay the rent for XXXX either. I claimed the offer but they are not responding after I gave them the explainatiln. As per leasing policy if i owe any amount, they will evict me. I see no eviction on my profile because they legally can not. Thats why they are making me suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: PA

Complaint narrative:
Someone fraud my representative payee direct Express card and took over XXXX dollars off it and direct Express did nothing about it the date it was taken was XXXX XXXX I filed a dispute with direct Express and they did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
This company keeps calling my phone every day with new numbers harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams & Fudge, Inc
State: MO

Complaint narrative:
WILLIAMS & FUDGE INC is falsely reporting on my credit. I have never had any accounts with them. Per my research WILLIAMS & FUDGE INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Banks refusal to open a checking account due to a charged-off account that I did not open and had no knowledge of.

Chase is attributing a charged-off checking account to me that was allegedly opened while I was under the age of XXXX, at a time when I was legally unable to enter into a binding banking contract. I never opened this account, never authorized it, and never benefited from it. 

During the period when the account was allegedly opened, my drivers license, Social Security card, and other identifying documents were lost or stolen. After discovering the issue, I filed an identity theft report with the Federal Trade Commission ( FTC Identity Theft Claim # XXXX ). 

I went in person to a Chase branch and met with a banker, XXXX XXXX. Together, we made multiple attempts to explain and document that : I was a minor at the time the account was opened The account was opened without my knowledge or consent XXXX FTC identity theft report had been filed Despite providing this information and escalating the matter internally, Chase denied the identity theft claim and continues to treat the charged-off account as valid. As a result, Chase is refusing to open a new account for me and is effectively penalizing me for an account I did not open and could not legally have opened. 
Chases refusal to correct this issue has caused ongoing financial harm and prevented me from accessing basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX / early XXXX I placed an order with XXXX XXXX online... I cancelled the order and never received the refund. When i reached out to XXXX they said that TRUIST had blocked the refund that i would have to contact them! this was over a month and a half ago! Ive filed 2 claims. Spent hours on the phone and even spent and hour at a local branch with a manager!!! Truist refuses to help and says its between me and XXXXXXXX even though i used my debit card to pay!!! 

Im the consumer and am out the money and have no product. Truist facilitated the transaction and has told me because i authorized the transaction. Im on my own.

This is not OK!

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 2026-01-30 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: MO

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