vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
First Financial Bank is reporting my checking account to XXXX  for NSF activity in the amount of {$130.00} ( account closed XX/XX/2023 ). 

I disputed this reporting with XXXX  and with First Financial Bank. XXXX  has responded in writing that my dispute was deemed frivolous or irrelevant because First Financial Bank previously verified the information, and XXXX  has therefore stopped reinvestigation. 

First Financial Bank has failed to conduct a reasonable investigation into my dispute and has not addressed my claim that I did not receive adequate notice prior to reporting this account to XXXX. 

I am requesting CFPB assistance to ensure First Financial Bank complies with its obligations under the Fair Credit Reporting Act and removes this XXXX  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 2026-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Co-signer
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I dont understand why I can not receive the tax forms relating to the loans that were paid off, regardless if they went into collections, which they shouldve never went into collections because the student was still in school just not under their guidelines. I never asked to be with this company. XXXX bought these loans. Then when I request to deactivate my account, theyre alleging that I can not do so because their student loans. everything is paid off and cleared. I want myself removed from them. I dont want my name associated with them anymore. I want to deactivate my account and I want to receive my tax forms so I can pay taxes for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: MI

Complaint narrative:
I reached out to the company a couple times about this account I know nothing about its been every month for XXXX  years and also tried to dispute them company lvnv funding on my account an I dont know why I havent received no information XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: DC

Complaint narrative:
I paid the said the sent a refund to my banks my bank are refusing to help me

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

Complaint narrative:
the XXXX pending transactions {$9.00} and {$11.00} where not made by me and the company is refuting cancel the transactions and they never asked if it was me making the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute all accounts and records currently being reported under my name by Early Warning Services. I am a victim of identity theft, and I did not authorize, open, or benefit from the accounts, transactions, or activities being associated with my consumer file.

I recently became aware of this information after reviewing my consumer report. The presence of these accounts is inaccurate and has negatively impacted my ability to access banking and financial services. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable identity theft protections, I am exercising my right to dispute and request a full investigation of all items reported under my identity.

Please consider this letter as a formal statement that all accounts and entries being reported are fraudulent unless proven otherwise with valid documentation, including original applications, signatures, IP logs, and verification records showing my direct involvement. If such documentation can not be produced, I demand immediate removal of the disputed information. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, a {$40.00} international wire transfer fee was repeatedly charged to my business checking account and then consistently refunded by the bank. During this period, XXXX international wire fees were charged and all XXXX were refunded, without any action required on my part. No limits, caps, or conditions were ever communicated, and the refund practice appeared consistent and ongoing. 

Beginning in XX/XX/XXXX, the refunds stopped without notice, explanation, or any communication indicating a change in how these fees would be handled. The same type of international wire transfers continued to be initiated in the same manner as before. From XX/XX/XXXX through XXXX XXXX, XXXX  international wire fees were charged and none were refunded. 

As of XX/XX/XXXX, a total of {$3000.00} in international wire fees had been charged, of which {$970.00} was refunded, leaving {$2000.00} retained by the bank. 

When I contacted the bank in XX/XX/XXXX to ask why refunds had stopped, the bank stated for the first time that prior refunds were courtesy or discretionary and subject to an annual limit. However, no such limits had been disclosed previously, and no notice was provided when the refund practice ended. The bank referenced a XX/XX/XXXX account statement as notice, but did not provide the language when requested and did not explain how it addressed the cessation of refunds rather than the existence of the fee itself. 

Because the refunds had occurred consistently for many months and without defined limits, I reasonably relied on that established pattern when continuing to initiate international wire transfers. Had I been notified that refunds had ended or that limits applied, I would have immediately altered my behavior and avoided additional fees. The fees accrued solely due to the banks failure to provide notice of a material change to an established course of dealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I am disputing {$10.00} Cash Advance fee on my XXXX Citibank card. The transaction was for a bonified retail service, a dog groomer bussiness on XX/XX/year> and was was not a cash withdrawal. 
Citibank is misclassifying these service purchases as 'cash-like ' to trigger high fees and interest. Despite contacting Citibank directly, they have refused to correct this billing error. This practice appears to be a systematic attempt to generate 'junk fees ' from standard retail transactions. I am requesting a full reversal of the fees and any associated interest, as well as a reclassification of these merchants as 'purchases '. ''

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, I reviewed my credit report and discovered a collection account being reported by [ XXXX XXXX XXXX ] for an alleged balance of approximately $ [ amount ]. I do not recognize this debt and did not provide authorization for this account to be reported to the credit bureaus. 

On XX/XX/XXXX, I disputed the account directly with the credit bureau, stating that the account was inaccurate and unauthorized. The credit bureau responded that the account was verified by the furnisher ; however, no documentation or explanation was provided to show how the account was verified or to demonstrate a permissible purpose for reporting. 

On XX/XX/XXXX, I contacted the collection agency to request validation of the debt, including proof of authorization, a signed agreement, and evidence of ownership of the alleged debt. As of [ todays date ], I have not received documentation validating the debt or showing that the company has a lawful basis to report it. 

Despite my dispute and lack of verification, the account continues to be reported on my credit file. Reporting an unverified and unauthorized collection account has negatively impacted my credit standing. 

I am requesting that the company : XXXX. Provide documentation showing a valid permissible purpose for reporting this account, or XXXX. Remove the collection account from all credit reports if such documentation can not be produced. 

I believe the continued reporting of this account without proper verification XXXX violate the Fair Credit Reporting Act, including the requirements to ensure accuracy and to reasonably investigate disputes.

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 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Citizens failed to provide accurate payment instructions and failed to accept a conforming payment. Specifically, I received a letter from Citizens dated XX/XX/XXXX, instructing me to make my late payment via the mobile app or website. I followed these written instructions on XX/XX/XXXX. Despite having more than enough funds in my checking account at the time, Citizens ' system returned the payment without notice. I was later informed by a representative that web payments were " restricted, '' a policy that contradicts their written instructions and was never communicated to me. Instead of accepting my payment, it was returned to me on XX/XX/XXXX, and I did not notice with enough time left to make the payment before the bank holiday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding American Express and a denied welcome bonus on my American Express XXXX XXXX card. 

I applied for this card after being presented with a welcome offer of XXXX Membership Rewards points after spending XXXX XXXX. At the time of application, I was approved normally and was not shown any pop-up, warning, or notice indicating that I was ineligible for the welcome offer. 

Based on this approval, I proceeded in good faith and paid the {$890.00} annual fee. I then completed more than {$20000.00} in qualifying purchases within the required time period. A significant portion of this spend involved vendor payments that carried additional processing fees, which I would not have paid if I had known I was not eligible for the welcome bonus. 

Only after completing the required spending did American Express inform me that I was allegedly never eligible for the welcome offer and that a pop-up must have been shown during my application. This directly contradicts my experience and was never disclosed to me before I paid the annual fee or incurred these costs. 

On XX/XX/XXXX, I contacted the American Express XXXX XXXX in writing and formally escalated this issue. And, as of today, more than XXXX  days later, I have received no response. 

Before applying, I evaluated other business credit card offers and chose American Express specifically because of this welcome offer. Denying the bonus after approval, payment of the annual fee, and completed spend constitutes misrepresentation of a promotional offer and caused me direct financial harm. 

I relied on the offer in good faith when making this financial decision, and American Express has not provided proof that I was shown any notice of ineligibility at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by CAINE & WEINER and XXXX  related to a reported balance of {$340.00}. 

This account is being reported without proper verification of accuracy, completeness, or legal obligation. I have not been provided documentation establishing a valid contractual agreement bearing my signature, nor evidence substantiating the balance being reported. Additionally, neither CAINE & WEINER nor XXXX has verified that this account is being reported in compliance with XXXX XXXX guidelines or confirmed the correct date of first delinquency. 

I disputed this account in good faith and requested verification pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Despite these disputes, the account continues to be reported without competent evidence that the information is accurate or legally enforceable. This constitutes a failure to conduct a reasonable investigation under FCRA XXXX. 

As a result of this inaccurate reporting, I have suffered harm including damage to my credit profile, adverse creditworthiness, increased difficulty obtaining credit on favorable terms, and ongoing emotional and financial stress. The continued reporting of an unverified balance exposes me to potential denial of housing, transportation, and financial opportunities. 

I am requesting that the CFPB require CAINE & WEINER and XXXX to either : XXXX. Provide full documentation validating this account, including proof of obligation, itemized balance calculation, XXXX XXXX compliance, and the verified date of first delinquency ; or XXXX. Immediately delete this account from my credit file. 

I also request written confirmation of the resolution and corrective actions taken to prevent continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
The attached email from the XXXX XXXX XXXX XXXX shows I was given less than XXXX business hours to submit multiple sensitive documents, including government ID, paystubs, and a Social Security card. This was not a reasonable timeframe to comply. 
The email also does not disclose that an application fee would still be charged if the deadline was missed. It states only that the apartment would be forfeited. 
I never provided my Social Security number, and the address later associated with this account is incorrect. These facts demonstrate that the account is inaccurate, unauthorized, and improperly attributed to me. 
I am requesting a full investigation and deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Credit cards are just too high and I cant pay them anymore

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
They are charging me court costs, publication fees, and process server costs but didnt due diligence to notify me at my home address. They sent communications to an address that belongs to my sister even though they had my address on the paperwork they used to file the lawsuit. Dobberstein Law firm aka XXXX is also representing themselves as a third party attorney instead of an internal in house team. The creditor XXXX XXXX XXXX and Dobberstein Law firm AKA XXXX both use the same address and phone number. The phone number they both use is XXXX and address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX but then on the court papers changed the joint suite number from XXXX to XXXX. They are not letting it be known that they're internal representation instead portraying themselves as a third party representative. Which seems unethical and very misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The requests were received without warning and could be unauthorized. Please assess the materials provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: OH

Complaint narrative:
Amount of {$320.00} was taken from my account from XXXX. This charge was not authorized. Key Bank reversed the claim and took the money back out. The debit card was cancelled and I was reissued a new card. Only to have Key Bank withdraw the money from my account again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
My identity information was stolen and I have communicated this issue with the companies multiple times and they take off the debt and then continue pestering me about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: Madison Management Services, LLC
State: TX

Complaint narrative:
the mortgage servicing company Madison Management Services , LLC ( XXXX ) has filed a foreclosure notice in XXXX XXXX XXXX in Texas against my property. 

This loan has been abandoned for nearly XXXX years. I already filed a complaint in XXXX  against another company that tried to do the same thing. 

Madison Management Services , LLC services the loan for a company XXXX XXXX XXXX, XXXX who is on the foreclosure notice. 

There is no chain of custody on this loan since it has been bought and sold several times on the open market.

I have a folder two inches thick with all the companies that have tried to collect on this debt in chronological order. I have the best chain of custody and still it is broken beyond repair.

This loan has never appeared on my credit report as being late or dismissed or discharged.

I will also be filing a formal complaint with the Texas State Attorney 's office.

I am issuing a formal complaint against this Zombie debt and its servicer with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: NY

Complaint narrative:
I am writing regarding my Apple Card account serviced by Goldman Sachs. My current balance is approximately {$7400.00}. I have never missed a payment and successfully completed a prior payment plan. My card is currently restricted and I am not using it for new charges. 

Despite making payments in good faith, I am being charged approximately {$140.00} per month in interest, which exceeds what I am able to pay above the minimum. I contacted Apple Card customer support to request hardship assistance or a short extension of my payment plan, but I was told no options were available. 

I am requesting a senior-level review for temporary interest relief or a short-term hardship extension so I can continue making payments without falling behind. I am not seeking new credit or forgiveness of the balance, only temporary assistance to avoid financial hardship while I continue repayment

Company response to consumer: Closed with explanation