vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint summary : First card number is missing because they closed my account and card not showing the number on iphone. 

I am filing a consumer complaint about a hotel reservation purchased through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and charged to my Apple Card for {$330.00} ( XX/XX/year> ). I am requesting a full refund because I did not complete check-in and did not receive lodging services. 

What happened : When I arrived, I was told to park in an unsecured lot with reports of vehicle break-ins, and the front desk also attempted to charge an additional parking fee. Due to safety concerns and the added fee, I did not check in, did not present my card or ID, and did not receive a room or any hotel services. 

Attempts to resolve : I disputed the charge with Apple Card/Goldman Sachs and was told no error was found, but my issue is that the charge remained despite no completed check-in and no services provided.

Resolution requested : A full refund of {$330.00} and written confirmation of the outcome. 

Supporting documents available : Apple Card statement showing the chargeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reservation confirmation, dispute correspondence, and any communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  /hotel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CashRepublic Holdings, Inc.
State: AK

Complaint narrative:
This alleged loan dates back over XXXX years while I was on military mission. At that time, I was informed by your representative that this was a help program, not a traditional repayable loan requiring future payments. I was also told that payments would be automatically taken from my military paycheck and that I would not need to take further action. 
At no point did I receive : Clear loan disclosures Payment schedules Bills, statements, or notices Any communication from Omni for the past XXXX years In fact, I only learned of this alleged debt recently while repairing my credit in preparation for purchasing a home with my spouse. Had I been properly informed, I would have addressed the matter immediately. 

I reached out to them with a debt validation request letter on XXXX XXXX,2025. Received no respond so I sent a final notice for validation of debt request and permissible credit reporting on XXXX XXXX,2025. Still havent received any information back from them. Both were physically and emailed to them. 
Now im suffering with a collection remark on credit report.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased an item online and right after I ordered it I saw where people are saying the item is nothing like descibed. I tried canceling it but the company kept running me in circles and telling me they are canceling the item but it showed that they had not cancelled. I tried for a week but nothing was cancelled. The item was advertised to arrive in XXXX weeks. XXXX weeks came and went and nothing. I had filed a claim with Paypal and handed everything to them proving this company I ordered this from are scammers. I keep checking PayPals dispute center and all they are doing is extending the resolution date. I asked them to share the tracking info to see if it matches mine but they will not share it. This was suppose resolved last month, then it was extended to the XXXX of XXXX and now it is extended to the XXXX. I can not get anyone to answer me from their dispute department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
I have used Abound money transfer app to sent international remittance to XXXX on XXXX XX/XX/year>.. The seller account did not receive the funds as promised and I reached out to Abound regarding the status as they have failed to to deliver an international remittance amount after debiting funds from my XXXX XXXX XXXX have reached multiple times on XXXX messaging as well for checking on status Transaction details : Service Provider : Abound ( Money Transfer Abound URL - www.joinabound.com Abound Support email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type : XXXX to XXXXXXXX XXXX XXXXXXXX : {$9400.00} + {$1.00} ( fees ) Date of Debit : XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a dispute regarding multiple Hyundai Motor Finance accounts that appear to be reported under my name. 

I only recognize XXXX Hyundai Motor Finance account as mine, which was in good standing and closed on XX/XX/XXXX. All transactions on this account were made by me and fully authorized. 

I do not recall opening the other accounts and believe they may have been opened without my authorization. I am requesting investigation and verification for these accounts, specifically : XXXX. Account XXXX : {$35000.00}, closed XX/XX/XXXX XXXX. Account XXXX : {$23000.00}, listed as co-signer for my ex-wife These accounts have resulted in repeated collection attempts and have affected my ability to obtain other loans. I believe these accounts may be inaccurately reported. 

I respectfully request that Hyundai Motor Finance : Verify the legitimacy of these accounts Provide documentation proving my authorization Correct or remove any accounts found to be inaccurate Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Last XXXX of social 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 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: USCB Corporation
State: IN

Complaint narrative:
On XX/XX/year> USCB  corporation contacted me by phone and when trying to obtain information about the collection they are trying to collect on they threatened to have me arrested and charged as well as using XXXX  language. I do not owe a collection under the amount they have listed ; they are also calling from out of the country and contacting my elderly grandmother and harassing her as well. They also made a threat that they are going to take away my federal student loans to get their money when I refused to give any personal information or payment information. The website they provide is also a fake website trying to get information from the person they are harassing.

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 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX DC XXXX Date : XX/XX/XXXX Re : Identity Theft Credit Reporting and Inquiry Violations Dear CFPB Representative, I am filing this complaint against XXXX XXXX  and XXXX, as well as the following furnishers : Lake Michigan Credit Union XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite submitting a police report and Identity Theft Affidavit, the credit bureaus continue to report : Fraudulent accounts, and Unauthorized credit inquiries made without permissible purpose These actions violate : 15 U.S.C. 1681b ( permissible purpose ) 15 U.S.C. 1681c-2 ( identity theft blocking ) 15 U.S.C. 1681e ( b ), 1681i I am requesting CFPB intervention to compel immediate deletion of all identity-theft-related accounts and inquiries. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : 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 2026-01-03 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: MI

Complaint narrative:
On XX/XX/XXXX, I received an email from PayPal stating that my funds were now eligible for withdrawal. However, when I accessed my account, the system indicated that my funds would not be released until XX/XX/XXXX. These two statements conflict, and PayPal has not provided a clear explanation for the discrepancy.

When I contacted customer support, I received a generic response stating that my account is permanently limited due to risk concerns and that the funds are being held to mitigate potential financial liabilities. No specific details were provided, and no explanation was given for why the email indicated the funds were eligible for withdrawal.

I am not contesting the permanent limitation. I am requesting regulatory assistance to obtain : - A clear explanation for the conflicting communications- A review of the extended hold period - Confirmation of whether the standard 180day hold has already elapsed - A determination of whether my funds can be released sooner PayPals lack of transparency and contradictory messaging has created financial uncertainty and prevents me from accessing my own funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Io, Inc.
State: TX

Complaint narrative:
I disputed a collection account being reported by XXXX XXXX XXXX through XXXX. The original amount reported was {$97.00}, but the account is now being reported with a balance of {$110.00} without any explanation or itemization. 

Equifax responded that the account was verified, but no documentation was provided to show how the balance increase was validated or how the debt was verified. Instead, account dates were updated, which does not constitute a reasonable investigation. 

I am disputing the accuracy of the balance and the reporting of this account. I am requesting that XXXX XXXX XXXX  provide full documentation validating this debt, including proof of the balance increase and their authority to collect. If they can not provide this documentation, I am requesting deletion of this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am submitting this complaint regarding an inaccurate and unfair collection account that originated with XXXX and was later assigned or sold to a third-party collection agency without proper resolution of an active dispute. 

In XX/XX/year>, I had active device protection coverage through XXXX. I reported a damaged device and was sent a replacement. Upon receiving the replacement device, I immediately notified XXXX that the device itself was defective, specifically noting poor battery health and camera issues. No corrective action was taken by XXXX to resolve this issue. 

I was instructed by a XXXX representative to return my original damaged device. I complied fully and returned the device via XXXX, following the instructions provided. Several months later, I noticed a charge of approximately {$910.00} on my account. When I contacted XXXX to dispute this charge, I was informed that they claimed not to have received the returned device. I provided all information available to me regarding the return and reiterated that the device was sent as instructed. 

Despite this unresolved billing dispute, XXXX XXXX XXXX charge and transferred or sold the account to a third-party collection agency. I did not authorize this transfer while the account was in dispute. The collection account is now being reported on my credit report, causing significant and ongoing credit harm. 

The balance being reported is inaccurate and unvalidated. The charge stems from a mishandled device protection claim, failure to process a returned device, and failure to resolve a documented dispute prior to collection activity. Reporting this account under these circumstances is unfair and does not reflect my actual obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
I have used Abound money transfer app to sent international remittance to XXXX on XXXX XX/XX/2025.. The seller account did not receive the funds as promised and I reached out to Abound regarding the status as they have failed to to deliver an international remittance amount after debiting funds from my XXXX XXXX XXXXXXXX have reached multiple times on XXXX messaging as well for checking on status Transaction details : Service Provider : Abound ( Money Transfer Abound URL - www.joinabound.com Abound Support email : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : {$9400.00} + {$1.00} ( fees ) Date of Debit : XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference ID XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing an auto loan charge-off reported by Truist Bank and published by XXXX  XXXX XXXX XXXX XXXX XXXX 

This account reflects a charged-off amount of {$65000.00} while simultaneously reporting a current balance of {$31000.00}, which is internally contradictory and not capable of reasonable verification. 

In addition, the account was closed, yet Truist continues to report a monthly charge-off ( CO ) status update on my credit report long after the charge-off and closure date. Reporting ongoing monthly charge-off activity after an account has been charged off and closed misrepresents the account status and artificially extends the period of delinquency, which is inaccurate and misleading to users of my credit report.

I also did not receive a Notice of Sale or Deficiency Letter. Without proof that required notices were issued, Truist can not lawfully assert or report a deficiency balance. Despite this, the account continues to be reported with conflicting balances and ongoing monthly charge-off activity.

I disputed this account with XXXX. The account remains reported without : Documentary proof that a Notice of Sale or Deficiency was issued, A reconciled balance calculation, A complete payment history ledger, or Justification for continued monthly charge-off reporting after closure. 

Truist Bank has failed to comply with its duties under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation and correct or delete inaccurate information. Experian has failed to ensure maximum possible accuracy and failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

I am requesting permanent deletion of this account from my credit report.

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 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
This complaint concerns inaccurate and unverifiable credit reporting by Upstart Network , Inc. and XXXX XXXX XXXX XXXX. 

The account was originally opened in XXXX and later became delinquent in early XXXX. The account is now reported as a charge-off, while also showing a XXXX balance and stating that it was sold or transferred to another company. Despite the sale, the charge-off status continues to be reported without clear ownership or authority. 

In XXXX, XXXX, and XX/XX/XXXX the account was reported as 30, 60, and 90 days past due. In XXXX and XX/XX/XXXX the account was reported as charged off. At the same time, the original creditor reports a XXXX balance and indicates the account was sold to XXXX XXXX XXXX. 

I disputed this account with the credit reporting agencies and requested verification of ownership, authority to report, payment history, date of first delinquency, charge-off date, and proof of assignment or sale. The information being reported remains inconsistent and has not been properly substantiated. 

Reporting a charge-off with a XXXX balance after the account has been sold is misleading if the reporting party can not demonstrate legal ownership and authority to furnish the tradeline. If the original creditor no longer owns the account, continued adverse reporting without proper verification is inaccurate. If the debt buyer is reporting, they must be able to prove ownership and accuracy. 

This inaccurate reporting has caused ongoing harm to my credit profile. I am requesting that the companies either provide full and proper verification or remove the tradeline entirely if they can not substantiate the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: NY

Complaint narrative:
Notice in the mail people calling me from different times of the day.

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 2026-01-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Issue : Incorrect information on credit report / Information not verifiable I am disputing a utility collection account reported by Online Information Services on behalf of XXXX XXXX XXXX for an alleged balance of {$1100.00}. 

Utility services are non-credit service accounts. I did not enter into a consumer credit agreement authorizing repayment terms or credit reporting. This account is being reported without a signed agreement, itemized billing statements, or documentation establishing permissible purpose to report under the Fair Credit Reporting Act. 

I disputed this account with XXXX. The account remains reported despite the lack of documentation necessary to reasonably verify the obligation. 

Online Information Services has failed to substantiate lawful authority to furnish this information, violating 15 U.S.C. 1681s-2 ( b ). Experian has failed to conduct a reasonable reinvestigation and failed to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

I am requesting permanent deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CA

Complaint narrative:
VALIDATION REQUEST AND NOTICE OF DISPUTE Re : XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX, CA XXXX Account XXXX XXXX XXXX Dear ( Debt Collector ) I am writing in response to a debt collection notice I recently received from your office. I dispute the validity of this alleged debt and request written verification to confirm that you have contacted the correct individual. 

I did not open, authorize, or agree to any account associated with this alleged debt. The unauthorized use of my personal identifying information constitutes identity theft under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ). I am also a victim of a data breach in which my personal identifying information was compromised, further supporting that this account and related activity are the result of identity theft.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), please provide the following : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the amount you claim is owed and an explanation of how that amount was calculated. 
XXXX. Copies of any contract, agreement, or application bearing my signature that allegedly created this obligation. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing your authority to collect on this account, including any assignment or transfer of the debt. 

Until such verification is provided, you must cease all collection activity related to this account, as required by law. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. The address and information associated with the alleged debt is not my address and does not belong to me. 

This caused distress to my family and further demonstrates that inaccurate personal and address information are being associated with this account. 
I further dispute your permissible purpose for accessing my consumer credit report under the Fair Credit Reporting Act. 

If you have reported this account to any consumer reporting agency, you are required to note that the account is disputed. If the debt can not be validated, you must immediately delete any reporting related to this account. 
If this account is transferred or assigned to another collector, you are required to inform them that the debt is disputed and that it is the result of identity theft. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation