vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
This collection account is inaccurately attributed to me. The address associated with this debt is not now, nor has it ever been, part of my address history. I never resided at this location, and the individual who lived there is not me. Under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and 1681i, this information is inaccurate and can not be verified as belonging to me. I request immediate deletion

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
SoFi Banks investigation relies on generalized assumptions rather than technical authentication evidence. The company claims text alerts were approved but has not provided device verification, IP logs, geolocation data, or authentication records. Continued account usage and funding are not evidence of authorization under Regulation E. I am formally disputing their determination and requesting regulatory review of their investigation standards and failure to meet Regulation E evidentiary requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a Chase Sapphire Preferred credit card and was given a {$10000.00} credit limit. 

In XX/XX/XXXX, I used my credit card to purchase XXXX gifts and pay a of couple bills. I spent quite a bit of money but I knew what I could spend and that I could pay it off. 

On XX/XX/XXXX, I paid off the bulk of the credit card balance ( {$7000.00} paid ). I had a balance of around {$2800.00}. Chase not only significantly decreased my credit limit to {$3400.00} but negatively affected my credit by doing so. This also caused my minimum due amount to increase significantly. I am aware that I had a high balance but I paid it down significantly. Chases actions are totally out of line for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/XXXX we financed {$7300.00} with " Care Credit '' Synchrony Bank for XXXX XXXX XXXXXXXX. It was understood that this was for 2 years with no interest. 
Care Credit arranged to withdraw directly from our account. However, these amounts were NEVER the same.Totaling only {$5900.00}. 
Our desire was to pay this off totally in the two years to avoid any interest charges. 
We did not receive any notifications or " statements '' regarding our balance, or that we were not achieving payoff before the two year time expired. 
After investigating, the payments withdrawn from our account by Synchrony ranged from {$210.00} to {$300.00}. Each month was different. Never the same number. 
We partnered with Care Credit and, regrettably, trusted them. 
We were never notified that the withdrawals were not enough to pay off the loan before interest kicked in XXXX of XXXX. ( 32 % ). We have been told that we now owe an additional {$4000.00} in interest. This was planned by Synchrony to take advantage of us. 
Also, sometime during this 2 year process the Care Credit card/account number was changed to a " master card '' without notifying us. Our original card/ account was closed, and now it is a Mastercard with a different number. AND, we never received new card or any info about it. My Wife investigated all of this. 
No notifications or emails. 
Thank you for any help with this matter.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I asked a representative to send me a debt validation letter. I received a statement instead of a letter. I called twice for the information. I want a letter verifying I own the debt. Payment history, my signature, the current owner of the supposed debt. I am very unhappy that I am not getting what I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Experian Information Solutions 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 ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2026-01-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
At onset of loan, I called to request a payment coupon or invoice to pay my first month installment. I was told " OH no worries, you're good until 90 days to start paying. '' I said great. 
Started paying when received first invoice to start paying installment amount. XXXX months later I called back to question balance reflected and was told, the difference was due to interest that was charged during the 90 day period. I said, '' Your company instructed me to start paying at that time. I told her I disputed the add charge and was told would see adjustment next two billing cycles. Never happened. 10 months later I paid balance less the additional interest they tacked on Still fighting them over the {$130.00}. Please help remedy. Thank you.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: GA

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX : Initial payment to XXXX  via Buy Now Pay Later through Klarna. Paid fully. XXXX. 
XX/XX/XXXXXXXX  : Opened dispute towards XXXX via the Klarna payments due to misleading advertising and safety hazards. Given XXXX provisional credit from bank XX/XX/XXXXXXXX  : Loss dispute. Charged XXXX by bank to cover provisional credit. 
XX/XX/XXXXXXXX  : XXXX tells me they are sending me a refund of XXXX. Never received. 
XX/XX/XXXXXXXX  : Charged XXXX by Klarna for unknown reasons XX/XX/XXXX : Credited XXXX by Klarna for unknown reasons XX/XX/XXXXXXXX  : Credited XXXX by Klarna for unknown reasons My bank statements clearly reflect this. I have only opened one dispute against XXXX and that is shown through my bank and confirmed with them 4 times. No disputes occurred in XX/XX/XXXX. I am unable to re-open disputes when it's already been a loss. 

Klarna claims I had another dispute opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
Additional refunds during that period were the result of new chargebacks, which I did not open. 

This is inconsistent with my banking dispute history and my bank rules, along with the official transcript of my bank statements provided to Klarna. 

Their mobile app displays transaction information that conflicts with both their written explanations and my bank 's records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX was due XX/XX/year> a federal holiday. Online account locked me out due to multiple attempts eventhough password was correct. Had to reset days later and called to get late fee waived they said their system would not allow it. Called the following week spoke to another supervisor who didnt care I had excellent payment history just said their system would not allow fee waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Linebarger Goggan Blair & Sampson LLP
State: NC

Complaint narrative:
I have received two letters ( XXXX & XXXX ) from Linebarger, Goggan, Blair & Sampson , LLP stating that I owe money to the Illinois Department of Revenue and that the state has placed my delinquent account with them to collect payment. 

First, I have never lived in, conducted business in, or been employed in the state of Illinois, so I'm not sure why I would owe any taxes to that state. 

Second, the letter sent by Linebarger, Goggan, Blair & Sampson, LLP contains no identifying information about what the State of Illinois would be taxing me for or requesting payment for. 

Lastly, the state of Illinois has never sent me any correspondence indicating any issues. 

So, this is nothing but a scam and a shakedown.

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 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Debt Freedom Attorneys

Complaint narrative:
I have an agreement with Debt Freedom Attorneys Law Group to represent me with disputes I have with creditors. Since XX/XX/year>, the company has not provided any update on progress made on my account. They also closed the website clients could follow to see what is happening on the accounts. I moved out of the XXXX, but kept making payments as best I could since I am unemployed. I have requested updates on my account without success. The person who manages my account claims that he has called my number several times, but it goes to voicemail. There is no missed call from the company on my end. Another agent claims he said the number is blocked, which is also not the case. I have not blocked calls from the XXXX or anywhere. Even though I've emailed them for updates, they have refused to provide updates via email. I have received financial/legal communication via email that is encrypted, so if the company cared, they would have communicated with me. So I keep paying with no information and also blocked from following on their website, which they indicated when I signed on to the program that I would be able to follow. 

I've requested a cancellation and refund for services not provided/communicated, but they are using the contract I signed to deny me the refund. To date, I do not know what they have done on my account for almost XXXX XXXX. I am warning other people who are deep in debt like myself to avoid this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint regarding repeated and unresolved issues with Robinhood Financial LLC that have prevented me from timely accessing my own funds. 

On XXXX separate occasions, I attempted to link a debit card in order to transfer funds from my Robinhood account to my bank. Each time, the debit card linking process took XXXX weeks or longer before being approved, which caused significant and unnecessary delays in accessing my money. 

In each instance, Robinhood representative XXXX XXXX stated that the issue was due to the bank being not well supported, despite the fact that I have previously and successfully used these same banks with Robinhood. The banks involved were XXXX, XXXX, and most recently XXXX XXXX. 

On XX/XX/2026, I spoke with a Robinhood chat representative who informed me that XXXX Bank is not supported. However, XXXX XXXX  is listed within Robinhoods platform as an available option for linking a bank account, which is contradictory and misleading. 

As a result of these delays, my funds remained held in my Robinhood account for extended periods without clear justification, explanation, or resolution. This has occurred multiple times and appears to be a recurring issue rather than an isolated incident. 

I am requesting that this matter be formally reviewed, that Robinhood provide a clear explanation for these repeated delays, and that corrective action be taken to ensure customers can access and transfer their funds without unreasonable or inconsistent restrictions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
My car was hit while parked outside, when applying for a personal loan I found this company, the lady explained that I could take what I needed and they would do an automatic with draw from my bank account to repay, which is not the problem, I have been paying them almost {$200.00} almost every pay bi-weekly but the debt is not being paid into for me to pay it off. It's been almost a year of payments yet only {$150.00} is paid off, I spoke to a representative and asked where is all the money going to. I got no answer I have paid this loan off and more and still owe over {$2000.00} still. Where is all the money I've paid already!? It's like I will never be able to pay off the loan. Please I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
For the XXXX time : My credit card has my middle initial XXXX  and I've been using it most every day. My debit card and your app STILL DO NOT HAVE MY MIDDLE INITIAL XXXX  AND YOU SENT ME A SECOND ONE YOU SAID WOULD HAVE IT AND XXXX  IT DOES NOT ; IT IS EXACTLY LIKE THE FIRST ONE! 

ALL OF THIS IS OVER XXXX XXXX LETTER " XXXX. '' AGAIN : I have the XXXXXXXX XXXX XXXX card. It shows my middle initial, XXXX. The debit card does, neither does the app and I have asked XXXX times to update both : debit card and app. Stupidly XXXX keeps repeating the credit card is from Synchrony, the debit card is from them and they are sending an email to verify, which I then never get. 

The " supervisor '' I insisted on then said to send HER an email to XXXX and XXXX minutes later she claimed she still hadn't received it. This is NOT rocket science ; PLEASE UPDATE MY DEBIT CARD AND YOUR APP WITH THE XXXX XXXX LETTER XXXX SO IT MATCHES MY CREDIT CARD - THAT's ALL!!! 

LASTLY, STOP ASKING TO COLLECT MORE EMAIL ADDRESSES FOR ME AFTER YOU XXXX XXXX  THESE TWO MOST BASIC REQUESTS.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX I fell victim to a fraudulent passport website. I filled out all of the information and sent a payment of {$210.00} before I realized it was not a legitimate way to apply for a passport. I immediately contacted my bank that did not flag the transaction as fraudulent in order to stop the payment. I also requested a new card with new numbers in order to stop my card from being used further. 

I was temporarily refunded the {$210.00}, but yesterday XXXX I received a letter from my bank stating that their investigation found that they were unable to honor my claim and the funds would be deducted on 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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar Credit Union app has been down since this weekend. I have been given a verbal that no one is experiencing this issue, another rep advised yes this is an issue. Advised by one person too many people trying to log in! Various statements. This reminds me of the XXXX massive issue! Asked was a recent upgrade or maintenance administered over this past weekend- VyStar denied.

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