vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I requested on at least three occasions to have my billing date changed for my credit card due date because I get paid only during certain times within a month. When I would call I was told that my billing date could not be change when there is a payment due, it could only be changed after my current bill was paid off. so, on XXXX XXXX, XXXX  @ XXXX I called Capitol One to have my billing due date changed, I was told that if they changed it my payments would increase instead of decreasing. I asked why that was when the customer service rep aborted the call without giving me any explanation! 

At approximately XXXX, I called back to speak with someone in customer service. My call was directed to a supervisor, I informed them about what happened during the previous call. After that I began to explain the purpose for my call. I explained that I would like to change my billing due date because every month I was getting charged a late fee on top of my regular bill payment. I explained that this was happening due to how I was being paid every month from Social Security. I was told that if I changed my billing due date that my payment per month would increase and not decrease. I asked, why would my payment increase then I was told it would only increase for two months. Also ; if I changed my billling date it would take at least two billing cycles be for the new payment date kicked in! So, I said so you mean I would still continue to incurr late fees on top of my regular monthly payments until the new billing cycle kicks in I was told yes!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
Its has been 89 days since I disputed a transaction with XXXX XXXX for charging me for a service that they refused to complete and sent my car home in pieces. Cash app refuses to update me on anything or show that any progress has been made in this 89 days of investigation Cash app clearly states that the process can be 45 days or a little longer. We are now doubling this time with no sense of urgency and failure to provide me with any information other than they have no resolution at this time. No time frames I am just meant to keep waiting blindsided. Again it has been 89 days since this dispute has been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called your office to close this account. I scheduled the final payment, which was due Sunday, XX/XX/XXXX, so it didnt post until Monday, XX/XX/XXXX. As a result, I was charged {$58.00} in interest and {$41.00}. I didn't think I had anything due, so when I got a call from Citi claiming that I owed money, I went online and saw that I was charged XXXX late fees and XXXX interest charges it had nothing to do with charges I made on the account. I had paid the full balance off on XX/XX/XXXX. I am requesting that these charges be removed. They are bank fees that never should have occurred. 
I asked for a copy of the conversation, but I can not access it for XXXX hours..

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 2026-02-16 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: UT

Complaint narrative:
My account has been frozen since XX/XX/year>. I have contacted Venmo m

ultiple times and was initially told to wait 3 business days. After that period, I was again told to wait another 3 days. As of today, my account remains frozen with no access to my funds.

I am being told this is due to a system error that their engineering department must fix. This is not related to fraud or a violation of terms, yet my money remains inaccessible.

I am requesting immediate release of my funds or a definitive resolution date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian stated that there would be an investigation of transactions but did not provide the proper documents to support their findings. There are transactions that were not blocked that are inaccurate. My request was that the transactions listed below were blocked and deleted. XXXX XXXX XXXX Amount : XXXX, XXXX XXXX Amount : XXXX. XXXX XXXX XXXXXXXX : Amount : XXXX and XXXX XXXX Amount, Amount : XXXX, and XXXX XXXX XXXX Amount XXXX. This company has failed to provide any contractual agreements with my signature showing that I allowed any of these companies to furnish my personal information within their establishment. This act is a direct violation of 15 USC 1692j in which they still continued to post on my credit report. ( 15 USC 1692e ) False or misleading representations. These companies are not partners with any original creditors and has bought an alleged debt and has attempted to collect inaccurate amounts. In this my, my personal information was sold ( social security number, name, address, etc ). ( 15 USC 1692f ) Unfair practices including consumer abuse restricting me to move forward in life. This is a violation of North Carolina General Statues 75-62.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This debt collector called my dad at a different number than my number and told them it was about a debt. This happened on XX/XX/year> at around XXXX. This is also a holiday. They hid their number with a private number and gave the information to contact them at this number XXXX ext. XXXX. They were trying to collect a debt from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Was in XXXX on vacation at beach resort... used my debit card for a XXXX purchase around noon .. im certain a card skimmer was used during said transaction because i got a late night charge from similar vendor for XXXX wich i saw the following morning and immediately contacted chase bank and they froze my card and refunded while they investigated .. on XX/XX/XXXX i received an email saying my claim is denied, called them but they offered zero resolution on the matter saying it was an authorized charge when i explained it wasnt thrt said to call the merchant and with the merchant being in XXXX its an impossible task

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I requested the recovery XXXX  manual crediting of XXXX XXXX sent from XXXX to my Coinbase XXXX XXXX address via the XXXX XXXX network on XX/XX/year>. Since Coinbase controls the private keys XXXX  this deposit address, I requested that they either : Manually sweep the funds XXXX  my account, or Use their XXXX XXXX XXXX ' XXXX  return the funds XXXX  the originating wallet. 

I provided the Transaction ID ( TXID ) as proof that the funds are sitting in a wallet under Coinbases legal custody. The company denied my request XXXX  closed the complaint, stating they do not support the XXXX network for XXXX at this time XXXX  offering no definitive timeline for the return of my property

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I became aware of a collection account reported by Caine & Weiner on behalf of XXXX XXXX when it appeared on my credit report. I did not receive any prior written notice of this alleged debt or my right to dispute. 

On XX/XX/year>, I mailed a written request for validation of the alleged debt from my current address via certified mail, requesting documentation supporting the claim and proof that required notice had been provided. Delivery was confirmed, yet I have received no response to this request.

Despite the lack of validation or communication, the account continues to be reported to consumer reporting agencies, negatively affecting my credit.

I request that this account be removed from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Called and mailed communication to portfolio recovery and they keep harassing my parents. I do not have any unpaid debts of any kind that are not current.portfolio recovery services is literally harassing my elderly senior parents daily s d has somehow gained access to their cellphones as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>, my wife withdrew {$6100.00} in cash from our shared PNC checking account while being subjected to a phone scam involving coercion and deception by an individual impersonating law enforcement. The withdrawal was conducted in person at a PNC branch with a teller while the scam caller remained on the phone providing real-time instructions directing her actions. Although she physically conducted the withdrawal, it was done under psychological duress and as part of a scam, not as a voluntary or informed transaction.

Immediately after leaving the PNC branch, the funds were converted into cryptocurrency through a XXXX kiosk. I am attaching transaction receipts dated XX/XX/year> showing rapid conversion of the full withdrawn amount into cryptocurrency shortly after leaving the bank, which is consistent with scam-induced activity.

When I later contacted PNC to seek review and possible reimbursement, I was told verbally that the withdrawal was considered an authorized withdrawal and that there was nothing they could do. I requested this determination in writing, but was told PNC could not provide a written explanation and would only issue a case number. I also requested review for a goodwill exception due to the coercive circumstances and resulting harm, but this was denied without written documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
On XX/XX/XXXX, a {$100.00} recurring streaming charge posted to my Apple Card account. I was unaware the service was still active. The account was reported 30 days late between XX/XX/XXXX and XX/XX/XXXX. After discovering the charge, I contacted the merchant and received a refund on XX/XX/XXXX. I paid {$110.00} on XX/XX/XXXX to bring the account current. This was my first late payment. I previously requested a goodwill adjustment and credit reporting review from Goldman Sachs, which was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
i am formally disputing the accuracy XXXX  validity of the account This dispute is made pursuant XXXX  my rights under the Fair Credit reporting Act ( FCRA ), XXXX XXXX XXXX ( a ) ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I inquired about a used vehicle and the the price of the vehicle was estimated to be around XXXX dollars however on the contract the price is closer to XXXX dollars I wasnt aware of that and in addition theres gap protection and a warranty bringing what I thought was a XXXX dollar vehicle to a XXXX dollar contract which I embarrassingly signed

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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: IL

Complaint narrative:
During the Bilt transition to Bilt XXXX, I signed up for Bilt XXXX on XX/XX/year> after XXXX, CDT. I did receive a confirmation email of application approval. I immediately submitted and inquiry online and called on XX/XX/year> at XXXX XXXX  to inquire about cancelling my application for Bilt XXXX. The bank representative checked and said they sent the cancellation and confirmed I would receive an email of confirmation as a prove, and it wouldn't impact my credit history or score. I never received any email and on XXXX XXXX and XXXX, XXXX, I tried calling multiple times ( see attachment ), no one ever answering. The automatic assistant indicated estimated wait time was 10 minutes, but I have been waiting for an hour EACH time and they said, " no agent is available at this time '' and then hung up automatically. 

I received the email reply on XX/XX/year> and they did not propose any resolution, just said they would escalate the issue/involve this to others who are capable of resolving. And never receive a proper response. 

I received my Bilt XXXX XXXX XXXX around XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Formal Dispute and Demand for Deletion Under Federal Consumer Law I am disputing the accuracy and legal reporting of the LVNV FUNDING LLC account currently appearing on my consumer credit report. 

This account is being reported without proper validation and in violation of federal consumer protection laws. Under 12 CFR 1006.34 ( b ) ( 5 ) a collection agency is required to provide validation information before furnishing a collection to a consumer reporting agency. No such validation has been provided.

Additionally under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) I was not given a meaningful opportunity to dispute this alleged debt prior to it being furnished on my consumer report.

This account is further being reported using misleading and deceptive means in violation of 15 USC 1692e, including misrepresentation of the legal status and authority to report this account.

LVNV FUNDING LLC has not demonstrated lawful authority to furnish this account to consumer reporting agencies and has failed to provide required disclosures under 12 CFR 1006.34 ( d ).

Under the Fair Credit Reporting Act 15 USC 1681e ( b ) and 15 USC 1681s-2, all information furnished must be accurate, complete, and verifiable. This account fails to meet those standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: LA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, {$10000.00} was transfered from my checking account ( XXXX ) and {$25000.00} from my savings account ( XXXX ) to XXXX. This was discovered by me the following day and I made a telephonic notification to XXXX XXXX the next day. They opened case number XXXX for the report. I received a letter dated XXXX/XXXX/206 stating, " Based on our investigation no error occured. '' I have since contacted XXXX by phone numerous times since then attempting to get the stolen funds restored with no results. Promises to get back in touch with me have not been kept. A police report of the theft was filed immediately with XXXX XXXX Police Department, XXXX  ( Case # XXXX ) with XXXX XXXX. XXXX, badge # XXXX. 
My accounts with PenFed were closed immediately when I notified them of the theft and new accounts opened. I changed my login credentials on all financial accounts, reinstalled XXXX on my PC, and changed my login credentials. 
Because of the account change, I have not received my Social Security payment for XX/XX/year> and several other payments. All received rejection notices from PenFed even though I was assurred closing and opening new accounts would have no impact on receiving funds for 60 days. All external payers were notified of the new account numbers.

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