vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint to dispute fraudulent accounts listed on my credit report and to demand their immediate block and removal, as mandated by XXXX XXXX. XXXX. In support of this claim, I have attached my official FTC Identity Theft Report ( FTC Report Number : XXXX ). Pursuant to XXXX XXXX. XXXX, consumer reporting agencies are required to block any information identified in an identity theft report within XXXX ( XXXX ) business days of receipt. The following accounts are fraudulent, a direct result of identity theft, and must be blocked : XXXX - XXXX In accordance with XXXX U.S.C. XXXX, I formally request the immediate and permanent blocking of these accounts from my credit file. This block must be maintained for the statutory period, during which no related information XXXX be reported. My previous direct disputes with the credit bureau have failed to resolve this matter. The persistence of these unverified accounts is causing me demonstrable financial injury by obstructing my access to credit. The fact that other major credit bureaus have already removed these same accounts following verification failures further confirms their inaccuracy. Furthermore, I requested validation and contract copies from the data furnishers for these accounts. After the permissible investigation period ( over XXXX days ), I have received no response. Given the confirmed identity theft and the complete lack of verification, I urge the CFPB to ensure these accounts are permanently deleted from my credit history.

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: Coinbase, Inc.
State: FL

Complaint narrative:
In early XXXX I contacted Coinbase because my account 's send function was XXXX preventing me from transferring my cryptocurrency assets valued at approximately {$65000.00} to my personal hardware wallet. I completed identity verification twice including XXXX separate video calls with Coinbase employees. During my last video call with a Coinbase representative named XXXX he told me there was only XXXX remaining issue and he expected my account to be fully cleared by end of day. Based on that promise I submitted a positive review for him. Instead of receiving confirmation that my account was cleared I received an email on XX/XX/year> stating my send function would remain XXXX until XX/XX/year> with no reason provided. I contacted Coinbase again on XX/XX/year> via their concierge chat service. The agent named XXXX confirmed that the restriction was actively updated that same day meaning a human being deliberately changed my account status after my verification was completed. I was given case number XXXX. I have a scheduled call with XXXX tomorrow XX/XX/year> at XXXX. I have fully complied with every verification request Coinbase has made. My assets are being held without explanation and I am unable to transfer my own property. I am requesting immediate restoration of my send function.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: KY

Complaint narrative:
I received repeated unsolicited phone calls from the number ( XXXX ) XXXX, listed as originating from California, over a two-day period from XX/XX/year> to XX/XX/year>. On XX/XX/year>, calls were made at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. On XX/XX/year>, additional calls were made at XXXX, XXXX, XXXX, XXXX, and approximately XXXX. All calls were flagged as spam and automatically blocked by my call screening service. In most instances, the caller either disconnected immediately or did not provide any identifying information. In XXXX instance, the call was answered by a call screening assistant, but the caller did not respond. When I have answered calls from this number in the past, I would say hello and the call would be disconnected immediately. I did not provide any information, did not engage with the caller, and took no action beyond allowing the calls to be blocked. Despite this, the calls continued at a high frequency across both days. This pattern of repeated, unsolicited contact appears to be consistent with spam or harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am filing a complaint regarding a disputed device return that has been improperly escalated to collections despite prior good-faith efforts to resolve the issue. I purchased an XXXX XXXX XXXX XXXX from XXXX XXXX and received it on XX/XX/year>. I initiated the return process on XX/XX/year>, approximately XXXX days after receiving the device and well within XXXX XXXX return policy. However, completing the return was unnecessarily difficult. I was required to make repeated calls over multiple days to determine how to return the device and obtain a return label. These delays were caused by Spectrums process, not by any inaction on my part. I ultimately returned the device via XXXX on XX/XX/year>, and it was received by XXXX on XX/XX/year>. The device was returned in like-new condition with no scratches, defects, or damage. Spectrum later assigned the device a C grade and refused to issue a full refund. At the time, they did not provide any inspection report, grading criteria, or supporting documentation. In XX/XX/year>, I sent a detailed written dispute to Spectrum that included : A full timeline of the return My account and order details A request for inspection documentation and grading justification A request for chain of custody records A request for a full refund Spectrum did not adequately resolve the dispute. Instead, the matter has now been escalated to a third-party debt collector, Sunrise Credit Services XXXX attempting to collect on a disputed and unsupported balance. Spectrum has since provided XXXX photos ; however : The photos are not time-stamped at intake There is no documentation confirming the condition of the device at the time it was returned There is no verifiable chain of custody The images appear to have been taken after internal handling and processing Because of this, Spectrum has not established that the condition shown reflects the device at the time of return. I dispute this debt in full.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
( This complaint is related to an ongoing billing dispute previously filed with the CFPB under XXXX XXXX. XXXX and XXXX ) I have an active billing dispute with Synchrony Bank regarding my PayPal Credit account. A formal dispute was previously filed and is documented under an existing CFPB case. Synchrony Bank 's response to that dispute did not constitute a genuine investigation as required under the Fair Credit Billing Act. While my billing dispute remains active and unresolved, I received a letter from Synchrony Bank dated XX/XX/year>, notifying me that my credit limit had been reduced. The reasons cited for this decision include account activity directly tied to the errors I am actively disputingspecifically, payment variances, delinquency flags, and balance thresholds resulting from Synchrony 's misclassification of promotional purchases as standard purchases and misallocation of payments. The Fair Credit Billing Act, XXXX XXXX. XXXX ( d ), prohibits creditors from restricting or closing an account solely because a consumer has not paid an amount they have identified as a billing error while that dispute remains unresolved. The account activity Synchrony cited as justification for this credit limit reduction is inseparable from the billing errors currently under dispute. This reduction appears to be a direct consequence of Synchrony 's own unresolved errors being held against me as the account holder. Also, I contacted XXXX customer service regarding these account issues. I was told by their XXXX XXXX XXXX and XXXX department that Synchrony Bank is the appropriate entity to address all complaints about PayPal Credit accounts. Synchrony has continued to deflect responsibility while simultaneously using the consequences of their own errors to take adverse action against my 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 monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AVANTE
State: OH

Complaint narrative:
I had my car repossessed around XXXX year ago. I allowed the car to be taken instead of paying the issue off though the loan company due to lack of there communication and went a different way and got a new car. I allowed them to sell the car at auction and was left with the total debt of {$7800.00}. I had a debt collection company XXXX Avante USA ) get ahold of me in XXXX and we agreed apon a lump sum payment of {$2000.00} which was withdrawn from my bank on XX/XX/year>. I wanted a while and nothing have changed and to this day it still showing on my report and its causing me a lot of credit drama. I called Avante USA about a week ago and they said yes we see you paid, and it was not pressed to the credit companys property and will be expedited immediately, and I would receive an email to have the prof as well due to lack of the information not being correct and I havent got that or seen any reflection on my credit report. The person I spoke with told me the account would be deleted off all credit reports involved and I am not seeing any type of confirmation or results on report XXXX include my bank statement from that month showing the {$2000.00} withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, I was contacted repeatedly by a dealership while I was at work regarding a vehicle purchase. During these communications, I was asked to provide personal documents, including my drivers license, bank information, and income details. I expressed hesitation and uncertainty about proceeding, but I was instructed step-by-step on what to do, including calling the lender and completing electronic documents. I was told that my income was only needed for approval purposes and that the loan would not negatively impact my credit. This information was misleading and influenced my decision to proceed under pressure. At the time, I had only recently begun working and had limited financial stability. Additionally, I was pregnant and in a vulnerable situation, including ongoing XXXX XXXX XXXXircumstances, which impacted my ability to make clear and voluntary financial decisions. The identity verification process is also concerning. The e-signature system required a PIN to be sent to my phone number, yet my phone service was unstable and later disconnected during the same time period, raising questions about how proper authentication was completed. The individual listed as the primary borrower did not have stable income and did not have a valid drivers license at the time. This raises concerns about how the loan was structured and approved. I do not have possession of the vehicle and have not benefited from this loan. Despite requesting clarification and documentation from the company, I have not received sufficient information addressing these concerns. I am requesting a full investigation into this matter and removal of this account due to the pressure, misleading information, and questionable verification involved in this transaction.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : * * Borrower Defense Application Missed Decision Deadline, Status Clarification, and Request for Immediate Determination To Whom It May Concern, I am writing to formally request an update and resolution regarding my XXXX XXXX to Repayment application associated with my attendance at the University XXXX XXXX. I submitted my application on XX/XX/XXXX, and it has remained in in review status continuously since that date. As of today, XX/XX/XXXX, my application has been pending for over XXXX years with no updates, no requests for additional information, and no determination issued. Under the XXXX v. XXXX settlement, my understanding is that post-class applicants are to receive a decision within XXXX years of submission. Based on my application date, the XXXX decision deadline has passed. Despite this, I have received no communication regarding approval, denial, or exclusion from relief. Additionally, although my application was submitted shortly after the XX/XX/XXXX class cutoff, I never received any notice clarifying whether I was classified as a post-class applicant or formally excluded from class protections. I am requesting explicit clarification of my status. I respectfully request the following : XXXX. Confirmation of whether I am classified as a class member or post-class applicant under the XXXX v. XXXX settlement. XXXX. Confirmation of whether the Department considers the three-year decision deadline to have passed in my case. XXXX. A detailed explanation for the lack of movement or communication on my application for over XXXX years. XXXX. A clear and specific timeline for when I can expect a final determination. XXXX. Consideration for discharge of my federal student loans due to the Department exceeding the required decision time frame without issuing a determination. For additional context, I have previously received restitution payments from the Federal Trade Commission related to enforcement actions involving the University XXXX XXXX. I have retained copies of these payments and can provide documentation upon request in support of my claim. Given the extended delay and lack of communication, I am requesting immediate review, escalation, and resolution of my application. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 non-monetary relief
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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
had a truist bank account for XXXX years, I had fraud from a previous ex where my card was used without my consent, I filed police reports and complaints and my account was never closed down but having access to a bank card is declined. I have not recieved any reasoning why and it's been XXXX years and every time I try to get a bank card im told there isn't a reason. every time I go into a bank or call they tell me I can't get a bank card but yet I still have an account in good standings. All im told by customer service and banks are " we dont know why ''. I just want a bank card. Sadly moving into a new area, this is the only new big bank there is to keep active, I dont want to drive XXXX mins to another branch for atm withdraws. I spoke to just about every department with XXXX and sadly they aren't explaining why.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX started Jeferson Capital claims it's legit after several XXXX XXXX attempts, XX/XX/year> XXXX was resolved within us and XXXX XXXX and now preventing my XXXX XXXX XXXX Additional information provided by consumer : XXXX Company Name : Jefferson Capital

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 accessing account
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I opened my account with the bank sometime in XXXX of 2026. I was specifically asked about paperless statements I agreed to that, and was told I would receive no paper statements. I was recently charged {$6.00} for paper statements that I never agreed to and was never informed of the fees accurately because I was told the bank did not charge me because I was paperless. Well the bank refunded me the fees, but then informed me it is up to me to cancel the paper statements through a complex process that I know most adults would not get through especially most senior citizens, so the bank is inaccurately representing accounts with no fees related to paperless statements which they can not actually remove from your account by making it basically inaccessible for most of the elderly population. They are basically stealing anywhere from XXXX XXXX dollars from people in just this fee that they are telling people they will not pay a fee and then they charge them and I know its a minuscule amount, but they are doing that so most people dont dispute it, or most people dont catch it. This is clearly a illegal and harmful business practice that gives the bank the ability to take advantage of unexpecting consumers, and stealing millions of dollars. The company PNC bank informed me it isnt a bank error but refunded me because they are aware the business they are practicing is known by their employees, and is an accepted illegal practice throughout their company.

Company response to consumer: Closed with monetary relief