vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
I am disputing a XXXX collection account reported by Southwest Credit Systems. The underlying XXXX account became delinquent no later than XXXX. 

I first disputed this account in XX/XX/XXXX. After that dispute, the account began reporting XX/XX/XXXX as the date opened, despite no new service, transaction, or delinquency. 

In XX/XX/XXXX, I disputed the account again with Experian. The account was verified in less than an hour without any explanation or documentation establishing the true Date of First Delinquency. 

I requested verification, including the original Date of First Delinquency and account history from XXXX. Southwest Credit Systems did not provide this information and instead supplied a billing statement that does not explain or support the XX/XX/XXXX reporting date. 

Reporting a consumer dispute date as a new account date unlawfully re-ages the debt and extends the reporting period. I believe this is inaccurate, misleading, and inconsistent with the Fair Credit Reporting Act. 

XXXX account history showing over XXXX years of continuous service with a different XXXX, supporting that the XXXX collections XXXX date opened reflects re-aging rather than a new obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I never applied with an APPLE CARD but for some reason there is an old account closed with 0 balance on their records. This previous account which NO belong to me don't no allow me to open a brand new account with them as new customer. 

there is a glitch or a problema on their system. I spole with serveral customer service agents, supervisors and security department but nobody is able to fix the problem. 

They opened a ticket for me to try to resolve this issue but I have no result of the final outcome. 

they suggest me to apply with different emal address but when I do I get declined anyway because they say my address can not be verified. I must tell that this address, which is my address from over 10 years, is regularly used on all my credit cards in my possession, with all my banks and also on my CALIFORNIA DRIVER LICENSE Apple card have no clue and no skills to resolve this issue and I'm been dealing with this issue from about 2 monhts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Recovery and Collections, Inc.
State: TX

Complaint narrative:
The XXXX XXXX is attempting to collect a debt that was satisfied in full by the XXXX XXXX XXXX  XXXX  ( Totaling {$9300.00} ) Sentry Recovery & Collections on behalf of XXXX XXXX XXXX ( Account # XXXX ). 
The collector is claiming a debt date of XXXX XXXX XXXX. I did not reside at the property on this date. The company is fabricatng dates to avoid the fact that my actual residency period was fully satisfied by {$9300.00} in XXXX funds. This is a deliberate attempt to circumvent Nevada AB 486. 
SATISFIED DEBT : This debt was satisfied in full through federal XXXX  rental assistance. The XXXX XXXX accepted two payments totaling {$9300.00} ( Confirmed via XXXX XXXX XXXX XXXX notices dated XX/XX/XXXX and XX/XX/XXXX ) STATE LAW VIOLATION : Under Nevada AB 486, landlords who accept these funds are legally barred from pursuing any collection for that period. 
FRAUDULENT REPRESENTATION : The XXXX XXXX claimed via telephone on XXXX XXXX, XXXX, that I was 'evicted. ' This is a false statement. I have verified with the XXXX XXXX XXXX XXXX that no eviction case was ever filed. This is a violation of the FDCPA ( 15 U.S.C. 1692e ) for misrepresenting the legal status of a debt. 
ATTEMPTED RESOLUTION : I have emailed both the collector and the landlord my proof of payment and received no response. I am requesting that the CFPB compel Sentry Recovery to recall the debt and delete the trade line from my credit reports.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
My complaint is against HFD healthcare finance direct because I received aligners from XXXX XXXX XXXX XX/XX/year> I tried to cancel way before the aligners were ever sent. XXXX XXXX XXXX acted as though they never spoke to me or remembered speaking to me. I tried to cancel because i saw on social media they were going out of business which was shocking since they accepted my order. It was constant back and forth until they sent the aligners and then next thing you know they went out of business in XX/XX/year> leaving me with a box of aligners no further treatment as promised and I have had several issues with my teeth with no help as promised by XXXX XXXX I think its unfair that the finance company is still trying to collect when services were not rendered as promised for life. Also I tried to cancel which I feel was ignored by XXXX XXXX due to their knowing they were going bankrupt. Its not good business practice and it is unfair to myself and plenty of consumers. I still have to pay additional money with an XXXX  to actually get my teeth fixed so pay {$1700.00} to a finance company for services not rendered is absurd and they also sold my account to a debt collector known as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: UT

Complaint narrative:
Credit Karma is holding deposited tax refund funds but has locked my account due to identity verification. Verification is being routed through XXXX, which repeatedly fails due to system limitations. My physical ID was uploaded, and denied time and time again, with no explanation or next steps on how to unlock my account and to update a phone number on the account to regain access, making completion of the required verification impossible at this time. 

I have explained this to Credit Karma support multiple times, but they continue to require the same failed verification method and have stopped responding to my emails. XXXX is due in XXXX days and I am unable to access my own funds. 

I am requesting immediate manual identity verification or an alternate verification method so access to my funds can be restored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute the fraudulent credit inquiries again that are currently listed on my credit report. I previously submitted a dispute request regarding theseunauthorized inquiries, but they are still on 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 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3900.00} Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Since XX/XX/XXXX, I have been a 100 % on-time payer on my loan account with OneMain Financial. I have made 38 payments totaling {$6300.00} on an original amount financed of {$9100.00}. 

Despite paying over {$6300.00}, my balance is still over {$7000.00} due to a 35.99 % APR and deceptive " add-on '' insurance products. 

I was charged a {$420.00} premium for Involuntary Unemployment Insurance ( IUI ) and a {$200.00} premium for XXXX XXXX XXXX. I am on XXXX and was terminated from my job in XX/XX/XXXX due to this condition. When I attempted to file a claim on the XXXX policy, I was denied benefits and told I had to be receiving state unemployment, despite the policy 's own exclusions for disability-related terminations. 
The XXXX policy was worthless to me. I have stopped my auto-pay for the next payment ( XX/XX/XXXX ) due to this financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Subject : Regarding Excessive and Predatory Sustained Overdraft Fees on Business Checking Account I am writing to formally complain about the excessive and burdensome overdraft fee practices applied to my business checking account, which includes overdraft privileges. These fees have been ongoing for several years and are causing significant financial hardship. 

Due to typical cash flow challenges common in my business, I need to use the overdraft facilityfor example, withdrawing funds at an ATM when the account balance is insufficient. Each such transaction incurs a standard overdraft fee ( approximately {$35.00} ). However, the far more problematic issue is the additional sustained ( or extended/continuous ) overdraft fees that the bank automatically charges every XXXX days while the account remains negative. 

In a recent instance, after an initial overdraft, it took me approximately XXXX weeks to deposit sufficient funds to bring the account back to a positive balance. During that period, Citizens Bank assessed sustained overdraft charges of {$30.00} repeatedlyevery few daysresulting in an additional ~ {$90.00} in fees on top of the initial overdraft charge. In total, the bank withdrew roughly {$100.00} {$120.00} in fees from an already negative balance over just XXXX weeks. 

This pattern has repeated consistently for an extended period. On average, I am forced to pay approximately {$200.00} per month ( and up to {$2400.00} per year ) in overdraft-related fees aloneprimarily driven by these repeated sustained charges. These fees compound the negative balance and make it nearly impossible to recover without incurring even more penalties, creating a cycle that feels exploitative rather than helpful. 

I find the structure and frequency of these sustained overdraft fees to be excessive, unfair, and disproportionate, especially for a business account where temporary cash flow shortfalls are common. Charging substantial additional fees every few days on an already overdrawn accounton top of the initial {$35.00} per-item feesappears designed to maximize revenue at the expense of customers in difficult situations, rather than providing reasonable overdraft accommodation. This was not an issue before citizens bank brought my account when it was under investors bank. 

I have been a customer for over XXXX  years and value many aspects of Citizens Bank 's services, but this fee practice is unsustainable and unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I have asked the company many times for the process for disputing AUTHORIZED transactions for which good/services were not received. The company won't provide this information. The company provides a reference to the deposit agreement which covers the dispute process for UNAUTHORIZED transactions but not AUTHORIZED transactions for which good/services were not received. The deposit agreement does not mention these.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My XXXX  account and my funds that were deposited from the XXXX XXXX XXXX XXXX XXXX I can not access or use this is theft of funds

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
COMPLAINT : Unpaid {$500.00} Referral Bonus - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Summary of Dispute I opened an HSBC XXXX checking account under the XXXX XXXX XXXX XXXX XXXX  Referral Program ( valid XX/XX/XXXX XX/XX/XXXX ). I met all qualification requirements, including inputting the Referral Code, depositing over {$75000.00} in new money within 30 days and maintaining the Total Relationship Balance. However, HSBC has failed to credit the {$500.00} bonus for over XXXX  years despite multiple follow-ups. 

2. Chronology & Evidence of Eligibility Program Participation ( Procedural Failure by Bank ) : I initiated the application via the referral page, requested a " Call Back '' followed by inputting the Referral Code. 

XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( International Client Manager ) via email ( see attached email ). 

XX/XX/XXXX : I completed the application under her guidance. Application ID : XXXX ( see attached approval ). 

Issue : It appears the bank staff or the manual hand-off process failed to attach my referral code to the final application, despite my initiation through the proper referral channel. 

Funding & Maintenance ( System Error regarding CD ) : XX/XX/XXXX : I deposited {$75000.00} in new money via Global Transfer ( see XX/XX/XXXX Statement ). This met the " within 30 days '' requirement. 

XX/XX/XXXX : I transferred {$75000.00} internally to my HSBC XXXX Account ( ending in XXXX ) to lock in an interest rate ( see XX/XX/XXXX Statement ). 

XX/XX/XXXX : My funds remained with HSBC, shown by the beginning balance of {$75000.00} ( see XX/XX/XXXX XXXX ). 

Issue : The incentive system likely disqualified me because the funds moved from " Checking '' to " XXXX '', ignoring the Terms & Conditions which base eligibility on Total Relationship Balance ( TRB ), not just the checking ledger. 

3. Failed Resolution I have contacted customer service multiple times ( most recently on XX/XX/XXXX ), but they have failed to resolve this. They promised a response within XXXX week but never replied. 

4. Desired Resolution I request an immediate manual credit of the {$500.00} Referral Bonus. I followed all instructions and should not be penalized for the bank 's internal processing failures regarding the referral code and balance tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and completeness of an account reported by MoneyLion. The account was opened around XX/XX/year> with an original balance of approximately {$500.00} and is now reported as closed with a XXXX balance. 

Despite the XXXX balance, the account includes a negative remark stating payment after charge off / collection, and no payment history is available. This reporting is confusing, incomplete, and potentially misleading, as it does not clearly reflect how the account was handled or resolved. 

I have not been provided documentation explaining the charge-off status, the payment history, or justification for continuing to report negative language on a XXXX-balance, closed account. 

I believe this account is being reported inaccurately or incompletely in violation of the Fair Credit Reporting Act and am requesting investigation and correction or removal.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am reporting a payment that was processed through my PayPal account without my authorization. 

I did not initiate this transaction, did not approve it, and did not knowingly send funds to the recipient. I did not receive any goods, services, or benefit related to this payment. I became aware of the transaction only after it had already completed. 

I reported the transaction to PayPal on XX/XX/XXXX and immediately took steps to secure my account, including changing my password, reviewing active sessions and devices, and confirming that no third party had permission to access or use my account. My bank was also notified, and a stop payment was placed once the issue was identified. 

Since XX/XX/XXXX, I have repeatedly contacted PayPal by phone and email to request documentation explaining how this transaction was determined to be authorized, including detailed login history, authentication records, and verification methods beyond device or IP recognition. Despite multiple documented requests, including my most recent six inquiries, PayPal has not provided this information or meaningfully responded. 

During this ongoing dispute, PayPal has continued to treat the transaction as authorized without supplying evidence of my consent. PayPal has also restricted my account and continues to hold incoming payments from my clients, even though those funds are unrelated to the disputed transaction. I have received notices indicating that PayPal may send the disputed amount to collections while this matter remains unresolved. 

These actions have caused ongoing financial disruption and have continued for an extended period without resolution or transparency. I have maintained detailed records of all communications and attempts to resolve this matter in good faith. 

I am disputing both the original transaction and PayPals continued enforcement actions related to it. I am requesting a full review, reversal of the unauthorized transaction, release of held client payments, and written documentation explaining how PayPal determined that I personally authorized this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XX/XX/XXXX, I went to the post office and they had closed my XXXX XXXX XXXX My bill was only {$64.00} I wasnt late. Not to mention the fact that I wasnt obligated to purchase another year to even have a late fee and effectively they closed it and I opened it so it went to be reopened for the same XXXX dollars that my bill was anyway to renew it. I submitted this I give Chase a copy of my bill and that the XXXX XXXX had charged me {$25.00} above my bill. They give me a credit I was thinking it came from the post office then I saw it later that it was rebilled. I didnt notice cause I thought it was over and done with but I was looking harder at things since all this has been happening. They said they talked to the post office and whatever they said they just put it back on my card, even though I had for proof that my bill was only {$64.00}. So theyre fraud investigations and rationales are not very good because my bill was for {$64.00} and I paid XXXX. Theres no excuse for that. I refiled the dispute and XXXX give you the case number at the end. I told them I had a receipt where I paid for it XX/XX/XXXX of XXXX and that was XX/XX/XXXX of XXXX. And it doesnt even matter because Im not obligated to renew it. They told me they reopen the dispute and for me to send them the documentation. Their fax is always busy though so I cant get it to go through and Im just bad about the mail. Im gon na attach the documentation here. The post office did call me and he told me to come in next week. I think maybe that means hes getting a refund, but XXXX cant say that until it happens. The point Im making here is I showed them solid evidence. My bill was only XXXX and I was charged XXXX. Thats poor handling a fraud or overbilling. It doesnt matter what you as the consumer say or even what you have proof of. Theyre gon na do whatever they can to get money from you whether you owe it or not. And obviously they wont go as far as making up purchases and just putting amounts on your card for purchases you never bought. Well Im sure its not all Chase employees, I can tell that its more than one by the way they talk to me on the phone like Im XXXX and I dont know how credit cards work and they just tell me XXXX stuff

Company response to consumer: Closed with monetary relief