vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Klarna AB
State: IL

Complaint narrative:
In XX/XX/XXXX, I made a XXXX purchase totaling {$380.00} using Klarna/XXXX pay over time financing at 34.99 % APR. The order included a laptop and an extended protection plan, both of which I later returned, and a low-cost item ( ~ {$4.00} ) that I kept. 

Between XX/XX/XXXX and XX/XX/XXXX, I made three payments of {$27.00} each, totaling {$83.00}. XXXX processed refunds of {$58.00} ( protection plan ) and {$320.00} ( laptop ), for a total refund of {$380.00}, leaving only the ~ {$4.00} item I kept. 

Despite the return, KlarnaXXXX applied and retained interest charges of approximately {$31.00} and displayed conflicting balances in the app. At various times, the account showed : an outstanding balance tied to interest, a completed or {$0.00} balance, interest amounts appearing to remain associated with refunded principal. 

I contacted KlarnaXXXX multiple times via chat and email between XX/XX/XXXX and late XX/XX/XXXX. Representatives provided inconsistent and contradictory explanations, including statements that : interest was still owed on the refunded balance, the balance was {$0.00}, interest would be refunded, interest was correctly charged despite the principal being returned. 

No clear, consistent explanation was provided showing how interest was calculated, why it was retained after the return, or how interest could be charged on a refunded balance. App disclosures remained confusing and appeared misleading. 

I am disputing the retention and calculation of interest after the merchandise was returned and requesting a clear accounting and correction. I believe the disclosures and handling of interest after refunds were unclear and potentially improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: OH

Complaint narrative:
After speaking with a representative at Cash App on XX/XX/year>, regarding why was my account as a consumer I targeted for this 3rd party program called XXXXBlock 's Inc. And , I'm not being awere of this program, as well as not receiving any information about this third party program. I found out after making several purchases and the seller emailed me stating that my accounts were closed due to my payment of {$27.00} was rejected ; So, that's when I reached out to Cash App and they couldn't explain to me why was my payment rejected from my seller. Then the representative said he will escalate the issue to XXXX of there supervisor and they will be reaching back out to me via email, and he gave me a case # XXXX. Of course, I never received that email, instead I got a message through the app stating I have a payment coming up and what I saw was totally confusing to me. I simply ask them to explain to why am I being asking to pay high interest on a pay later loan especially when I have not agreed to any of this XXXX program, and if they can reverse the charge to my sellers so they company wont receive a bad remark from Cash App/XXXX rejecting a few of my purchases. I did get a email from them on XX/XX/year> at XXXX XXXX " Hello! 

Referring to your recent complaint, we want to inform you that it will take longer than the original time frame of XXXX business days to resolve. You can expect to receive our response within XXXX business days from today. 

If you have any additional questions related to this issue, please respond to this email directly. We are happy to help however we can. 

Kind Regards, Cash App Complaints Team '' And I never received any email after this one. I want my name off that third party pay later program with XXXX aka Block , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have formally requested all information from NFCU about my case and am currently awaiting the documentation. 

Over the weekend of XX/XX/XXXX, someone ended up using all my identifying information in a phishing scheme and drained my bank account. 

They contacted me from the Navy Federal Fraud Line, had all of my personal information and appeared legitimate as they also had the hold music talking about NFCU products. 

They coerced me into transferring all of my money through XXXX to their accounts ( supposedly a new account setup for me ) as there had been a " breach '' on my NFCU account. A total of {$4400.00} was taken from me. 

They had my full name, DoB, SSN, Bank Card Numbers, Bank Access PIN and code word, Access Number, address, bank statements, and bank account information. After the incident, I verified and had physical possession still of my phone, every credit card, SSN Card, Birth Certificate, Passport and other identity documents so I believe I was involved in a breach somewhere.

Immediately after the incident was brought to my attention, I filed a Police Report with the XXXX, XXXX XXXX XXXX Made a FTC complaint, Contacted NFCU to initiate Fraud investigations, Locked all credit and debit cards, Locked down and renewed freezes on my credit reports and files, had a fraud alert applied to all my credit reports, and changed all passwords related to finances and personal information. 

The Police report number is XXXX. 
The FTC report number is XXXX. 

I was never given a case number from Navy federal. Just email communication stating it is being worked. 

They denied my fraud claim as, in their words, I was a participant and authorized the charges. This is only because I was coerced and tricked into believing everything was legitimate as they managed to perfectly imitate the NFCU hold music and notifications, had spoofed the fraud line phone number, transferred through multiple " Supervisors '', had all of my account information, my account access number and my account security phrase. 

If anything had stood out or they did not have any of this information, I would not have transferred any funds as these are all meant to act as fraud prevention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: JTM Capital Management, LLC
State: HI

Complaint narrative:
To Whom It May Concern : I have been getting threatening emails and phone calls from a XXXX XXXX XXXX Co regarding false claims of Civil Judgements awarded against me. This allegedly involves a XXXX loan from XXXX of XXXX  that was paid in full. They sent me text messages from ( XXXX ) XXXX and ( XXXX ) XXXX - XXXX saying there where judgements against me and that it was a XXXX XXXX offense. These statements are lies and XXXX  XXXX XXXX has no paperwork that they can even send me. This company is called XXXX XXXX XXXX and said they where XXXX XXXX and based out of XXXX XXXX. This is not right or justified debt. They have used unfair and wrong collection practices and it is wrong. 

Thank you for looking into this matter for m. 

XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I refinanced my home with Rocket Mortgage, who acted as the Settlement Agent for the transaction. Rocket Mortgage possessed a valid Payoff Statement from my previous servicer ( XXXX ) which explicitly required {$610000.00} to pay off the loan by XX/XX/XXXX. 

However, Rocket Mortgage negligently wired only {$610000.00} on XX/XX/XXXX. 

Because Rocket Mortgage underpaid the required wire amount by approximately {$1300.00}, the payment was rejected by the servicer. This rejection caused the loan to remain open past the reporting deadline, resulting in a " Past Due '' mark on my credit report and the accrual of additional interest. 

Admission of Error : Rocket Mortgage has admitted in writing that this was their error. In an email dated XX/XX/XXXX ( attached as " Exhibit A '' ), their representative stated : " it appears the payoff was not updated to reflect the full amount. '' Current Issue : Despite admitting they failed to wire the correct amount, Rocket Mortgage is now demanding I pay {$2400.00} to cover the additional interest and fees caused solely by their negligence. When I disputed this, they attempted to use a standard " Compliance Agreement '' to claim I am contractually liable for their professional errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I requested the claim for the fraudulent website to be investigated. The website did not respond to my inquiries however manufactured false evidence stating they contacted me. Capital One Bank has denied my claim and will not re-open it. 

On XX/XX/year> I placed an order for {$380.00}. I immediately received an email confirmation with my order. Then we I clicked on the link it re-directed me to a page trying to get me to subscribe to more things. I then attempted to contact their customer service via email ( because they dont publish a phone number to contact them ). Never received any responses. 

Then after all this I opened a claim with Capital One. They denied my claim initially and I called them back to have the claim reviewed again. They then denied it again. I have now requested the evidence used during the review and I am yet waiting on Capital One again to provide this evidence. They have not bee easy to work with at all. My claim details and accounts can be provided if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I contacted the Bank, Wellsfargo XXXX in the middle of the night XX/XX/XXXX about XXXX XXXX, and told them I did not make these payments, that someone had hacked my computer and used my debit card without my approval. That I had not made these payments. When I called again on the XXXX of XX/XX/XXXX The customer service guy put " did not remember these payments : '' instead of " did not make these payments ''. So I told him to put : that " I did not make these payments ''. I think these XXXX  XXXX people are taught to do that. 
I called again the XXXX. The total was XXXX USD as you can see from the image I sent. And the transaction amounts. It is fraud, and not even close to legal. 
I contacted again on the XXXX, and again on the XXXX when I saw they did not remove these charges, get a charge back. 
He said thier people " investigated and could not find fraud. '' I have never used these companies and never will " XXXX '' and " XXXX ''. 
So, how is it possible they did not reverse or stop these transactions when I called them while they were still " Pending Transactions '' According to Wellsfargo " Pending transactions are transactions that are known to Wells Fargo, but that haven't yet posted to your account ''. If they had not posted and I called to stop them, why did they process them? 
7 transactions : 7 transactions in claim {$2300.00} MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX. XXXX {$290.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX {$310.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX290.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$290.00} XX/XX/XXXX Removed MONEY TRANSFER AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX  ... XXXX {$410.00} XX/XX/XXXX Removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: OH

Complaint narrative:
On XX/XX/year>, I received an email from TrueAccord Corp. attempting to collect a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX ) in the amount of {$380.00}. 
The email violates the Fair Debt Collection Practices Act in the following ways : 1. MISSING VALIDATION NOTICE ( 15 U.S.C. 1692g ( a ) ) : The communication fails to include any of the required validation notice language. It does not state that the debt will be assumed valid unless disputed within 30 days. It does not state that if I dispute the debt in writing within 30 days, TrueAccord will obtain and mail verification. It does not state that I may request the original creditors name and address in writing within 30 days. Instead, the email contains only hyperlinks labeled click here and Dispute this debt without the actual required disclosures.

2. MISSING VALIDATION PERIOD END DATE ( 12 C.F.R. 1006.34 ( c ) ( 3 ) ( iii ) ) : Regulation F requires debt collectors to disclose the date they will consider the end of the validation period. This communication does not include that date.

3. FICTITIOUS SENDER NAME : The email is signed by XXXX XXXX. According to TrueAccords own website ( XXXX  ), this is not a real person but a virtual agent name used by their automated system. This disclosure does not appear anywhere in the communication itself, potentially misleading consumers into believing they are corresponding with a real employee. 
The email also acknowledges that this debt is time-barred under Texas law and that XXXX XXXX XXXX can not sue me for ityet TrueAccord is still attempting to collect while failing to provide the legally required disclosures about my rights. 
I am attaching a copy of the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CL Holdings LLC
State: SC

Complaint narrative:
There is an account on my credit report that I did not open nor know who did open from Jefferson Capital System account # XXXX XXXX XXXX XXXX  with a balance of {$8800.00} opened XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I originally had car insurance with XXXX XXXX XXXX, I found car insurance premiums for a lower rate with a competitor for a lower rate and switched coverage. I notified XXXX of the change and requested that the coverage be suspended as I now have coverage elsewhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
To CFPB Complaint Department, I am submitting this complaint regarding a PayPal Credit account serviced by Synchrony Bank.

For many years, I accessed and paid my PayPal Credit account exclusively through PayPal.com using automatic ACH payments from my checking account. Recently, my PayPal Credit account no longer appears in my PayPal account and shows a {$0.00} balance, which prevents me from viewing my account or making online payments as I have always done.

At the same time, Synchrony Bank has issued paper statements reflecting a balance of approximately {$5700.00}, which directly conflicts with PayPals online information. I was also informed of a past-due amount of {$370.00}, despite an automatic ACH payment of {$180.00} being withdrawn. No clear or consistent explanation has been provided regarding the balance, payment application, or account status.

I have contacted both PayPal and Synchrony Bank repeatedly. PayPal states my balance is {$0.00} and directs me to Synchrony. Synchrony confirms a balance exists but directs me back to PayPal for account access. As a result, I am unable to reliably access my account or make payments, despite good-faith efforts.

This appears to be an account-linking or system failure between PayPal and Synchrony Bank that is entirely outside of my control. Due to this failure, I am disputing any late fees, penalties, or adverse credit reporting associated with this issue.

I am requesting that Synchrony Bank : 1. Restore access to my PayPal Credit account or provide a reliable online payment method 2. Provide written confirmation of the accurate current balance 3. Provide a complete payment history for the past twelve ( 12 ) months 4. Properly apply all payments made 5. Reimburse all late fees or penalties caused by this discrepancy 6. Confirm in writing that no adverse credit reporting has occurred or will occur while this dispute is under review I have documentation supporting this complaint, including screenshots showing a {$0.00} balance on PayPal and paper statements from Synchrony Bank reflecting a balance. I am seeking prompt resolution so I may continue paying my account without risk to my credit. 
Sincerely, XXXX XXXX PayPal Credit Account Holder

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I have a valid account that I opened with Apple/Goldman Sachs , on XX/XX/XXXX. That account was closed with a XXXX balance. In XXXX of XXXX, I received a credit monitoring notification for a delinquent account. I called and discovered this account was opened XX/XX/XXXX with a balance of {$3500.00}. I did not apply for this account, nor did I authorize anyone to do so. I filled out a police report and returned a copy of the report, along with a copy of my driver 's license, proof of residence, and a notarized Identity Theft Victim 's Complaint and Affidavit, on XX/XX/XXXX. On XX/XX/XXXX, a call was placed to Goldman Sachs and they confirmed that they were in receipt of the fraud claim for identify theft, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. A case was created by Goldman Sachs : XXXX. A second dispute was sent to Goldman Sach/Apple , on XX/XX/XXXX and mailed to the address provided : Goldman Sachs Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, PA XXXX XXXX A follow-up call was placed on XX/XX/XXXX and I was advised that I was responsible for the account. I was told I would be provided with a reason for this decision. My mother and I were on the call and we were told the account was applied for on an XXXX and I do not own an XXXX.

Company response to consumer: Closed with explanation