vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: FloatMe Corp.
State: CA

Complaint narrative:
I attempted to create a FloatMe account while on vacation in the XXXX, XX/XX/year>. I had an unexpected expense and tried installing the app using XXXX XXXX, XXXX, and mobile hotspot, but none worked. When I returned to the U.S., I successfully created an account, but I could not log in. Every attempt resulted in an error. Customer service later told me my account was blocked for unusual activity, even though I explained the reason in my first message. I contacted FloatMe support 34 times, exchanged over 15 messages, and spoke with multiple agents from the beginning of XXXX to XXXX. I provided all requested information, including my login details, email, phone number, and a copy of my ID. My account remained blocked with no real explanation. I created a new account with a different email and phone number and was approved for a {$50.00} float, proving the account was legitimate. One helpful rep attempted to assist and asked for my ID to transfer the account to my primary email. After I informed another agent that someone else was helping me, that agent took over again and closed my new account entirely. This felt retaliatory and unprofessional. I repeatedly asked for escalation to a supervisor and was ignored each time. I was never given a proper review or explanation. As a U.S. Veteran, I expected basic professionalism, but instead I was treated like a scammer despite full cooperation. Only one rep, XXXX, acted professionally. Others ( XXXX XXXX, XXXX, and XXXX XXXX refused to help and repeatedly sent the same generic denial. FloatMes handling of my case was dismissive, inconsistent, and unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Issue : Incorrect calculation of American Express Fine Hotels + Resorts ( FHR ) benefit credit after full transaction refund I am filing a complaint regarding an apparent calculation discrepancy in my American Express Fine Hotels + Resorts ( FHR ) benefit credit. Summary of events : On XX/XX/year>, I made a prepaid FHR booking totaling {$420.00} ( partially paid with Membership Rewards points ). On XX/XX/XXXX, I received a {$300.00} XXXX hotel benefit credit. On XX/XX/XXXX, the booking was fully canceled, and I received a full refund of {$420.00}. On XX/XX/XXXX, American Express reversed only {$100.00} of the {$300.00} credit. On the same day, I made a separate {$15.00} eligible transaction and received a corresponding {$15.00} credit. Issue : American Express currently reports that I have used {$200.00} of my XXXX benefit credit for the XXXX 2026 period. However, this does not appear to reflect my actual eligible spending after the cancellation. The original {$420.00} transaction was fully refunded, meaning the associated {$300.00} credit should not be considered as earned credit tied to valid spending. My only completed eligible transaction is {$15.00}, which already received a corresponding credit. Concern : The calculation provided by American Express is based on " credits issued minus credits reversed, '' rather than on actual eligible spending after the cancellation. Despite multiple inquiries, American Express has not provided a verifiable explanation of how {$200.00} reflects my final eligible spending. The case has been marked as final, and I have been informed that no further breakdown or review is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: TX

Complaint narrative:
I sent a formal debt validation letter via Certified Mail on XX/XX/year> to LVNV Funding LLC regarding an account ending in XXXX, originally from XXXX XXXX XXXX XXXX, with a reported balance of {$890.00}. I am disputing this account because LVNV is reporting XXXX separate debts under the same account number XXXX, which may constitute duplicate or misleading reporting a potential FCRA violation. Additionally, the original balance field is blank on my Experian credit report, making this account inaccurately reported. LVNV is a debt buyer and may not possess the original signed agreement or chain of ownership documentation needed to validate either debt. I have also filed a bureau dispute with Experian for this account. I am requesting full validation of both debts under this account number per my FDCPA and FCRA rights, or immediate deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: CA

Complaint narrative:
So on Friday XX/XX/XXXX while I was at work ( shift was from XXXX ) I received a notification from XXXX about XXXX ATM withdrawals. XXXX at XXXX and the next one was a minute after at XXXX. It said the transaction took place at an XXXX XXXX ATM in XXXX, XXXX which was weird because I had my physical card on me and I was in XXXX at my place of employment. I assumed my card got skimmed from a previous transaction I did and they were able to use it there at that XXXX. I never go to this area and can't even remember the last time I was. I instantly tried to dispute it but the app made it extremely hard to dispute it without reaching customer support which was another problem in itself.I tried to call customer support but they were closed during this time. I had trouble with the A.I. chatbot directing on how to dispute until I was able to ask for an agent which then I was able to make the said dispute. After I left work I filed a police report with my local police department as well. Fast forward to today XX/XX/XXXX at XXXX for XXXX transaction and another at XXXX for the second transaction, I got XXXX emails from XXXX sayin that my case was resolved but the dispute was denied. It basically said no evidence of unauthorized use of the debit card, or account, was found which I find to truly be wrong and is why I'm filing a complaint with CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is reporting a debt that belongs to another person. Their own records show a different name and address ( XXXX XXXX, XXXX XXXX ). Despite disputes, they continue verifying the account without proving it belongs to me. This appears to be a mixed file violation under the Fair Credit Reporting Act. I am requesting deletion due to inaccurate reporting and failure to maintain maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Truist Bank regarding misrepresentation by a bank representative and the improper restriction of my funds. Last week, I responded by phone to an email I received from a Truist representative : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX When I called, XXXX transferred me to another representative. During that call, I explained that I had deposited {$250.00} into a secured credit account but had not been issued a credit card. Without any further verification of my account or review of my personal details, the representative advised me that I had not received a card because I needed to deposit at least {$400.00}, and that once I did so, the bank would automatically issue my secured credit card. Relying on this information, on Friday, XX/XX/XXXX, after receiving my paycheck, I transferred an additional {$220.00} into my account ending in XXXX. When I called again on Monday to confirm that my card was being issued, I was then informed that I had been incorrectly advised. I was told that my application had already been declined, and that the account had instead been converted into a savings account from which I can not withdraw or transfer funds. This has left me with $ XXXX that were essential to meeffectively inaccessible, based entirely on incorrect guidance provided by a Truist employee. As of today, it has been XXXX business days, and I still do not have access to my funds. I believe this conduct violates federal consumer protection standards, including : The prohibition against unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ) Truth-in-advertising and fair banking expectations enforced by the CFPB Additionally, under XXXX law, including 655.85, financial institutions are expected to handle customer funds in a lawful and transparent manner without misrepresentation. I am requesting immediate resolution, including : 1. Full return of my {$220.00} without restriction 2. Written explanation of how this misinformation occurred 3. Confirmation that corrective action has been taken to prevent similar incidents This situation has caused financial hardship and was the direct result of reliance on incorrect information provided by Truist. I request that the CFPB investigate this matter and assist in securing the prompt return of my funds.

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was contacted by a contractor on XXXX when I clicked on page from the advertisement. So we set up a date for an estimate on a flooring job. The guy came out and gave me a price asked to to secure date by sending money through XXXX as soon as I sent it he deleted his page and stopped communication I immediately called the bank and filed a police report to investigate but bank wont help me with chargeback even though its a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Purchased a vehicle from XXXX XXXX XXXX in New Jersey. I take a look at the car it had bumper damage, instead of taking money off the car they forced a " mandatory XXXX XXXX '' into the price of the vehicle and took money off of there. Furthermore I was pressured into getting a warranty for a lower interest rate. Because they claimed that it was either I get the warranty or I pay 15 % instead of 8.9 %. I should have walked out of the door with XXXX financed with XXXX down but instead walked out with XXXX. Furthermore when I purchased this vehicle it was snowing ( XX/XX/year> ) so it had a massive red flag which was XXXX damage that was not disclosed. Now when I tried to cancel the warranties they flat out avoided the topic all together and Ive been reaching out since XXXX XXXX. I called warranty company and they told me that only dealer has access to cancel. And to make it worse, XXXX cancelled their package and told me to have the dealer reimburse me which they also ignored. All in all shady business altogether with very unethical work. The XXXX package was XXXX and the XXXX XXXX was XXXX. The " Discount '' they gave me for the vehicle was was slashing the price of the warranty so instead of XXXX plus XXXX for XXXX it was XXXX plus XXXX. My discount of XXXX should have been applied to the price of the car of XXXX. Full Breakdown as shows : Price XXXX XXXX Package of XXXX Sales Tax of XXXX Processing Fee XXXX Out Of State Fee XXXX Service Contract ( XXXX XXXX ) XXXX Gap Insurance XXXX SubTotal XXXX Down Payment of XXXX Total Price : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent.

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 2026-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint against National Credit Systems Inc for reporting an unverified rental collection account of {$7800.00} from XXXX XXXX XXXX. I have disputed this account, yet it continues to be updated as of XX/XX/year>, while marked reinvestigation in progress. This is misleading and violates the Fair Credit Reporting Act. The company has failed to provide : A signed lease agreement Itemized accounting of charges Proof of legal obligation I have also submitted an FTC Identity Theft Affidavit regarding this account. I am requesting : Immediate deletion of this account Investigation into unlawful reporting practices Continued reporting without verification is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
CREDIT MANAGEMENT COMPANY This company has added a collection to my credit report and has not validated debt. They're trying to collect on a debt owed from XXXX XXXX XXXX. This is a violation of XXXX statues and must be removed. Dispute : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MS

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I had an account with XXXX XXXX XXXX for {$570.00} balance in XX/XX/XXXX. I was no longer able to pay online and stopped receiving bills. United Revenue sent a collection letter in XX/XX/XXXX. I asked United Revenue to validate the debt. I never received any response. In XX/XX/XXXX, a collection from United Revenue showed up on my XXXX credit report. I disputed the collection. Texas XXXX XXXX XXXX XXXX XXXX was contacted by myself several times in XXXX and XXXX of XXXX. They have no record of my original account. A supervisor from XXXX XXXX confirmed that no record of my original account can be found. XXXX XXXX also stated they United Revenue is not a company they use to collect debt. I asked XXXX to contact the original creditor ( XXXX XXXX ) and they refused to do so. Therefore, my disputes have been denied on multiple occasions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
On or around XX/XX/year>, I was contacted via text message by a company attempting to collect a debt of approximately {$300.00} related to a QVC account. The message included a link that displayed my name and alleged balance. I did not provide any personal information or make any payment. The same party also contacted me through my work email address, which is inappropriate and unwelcome. I reviewed my credit reports from all three major credit bureaus ( TransUnion, Equifax, and Experian ) and confirmed that my QVC account is reported as paid/current with no outstanding balance and no collection account associated with it. I paid off this account previously, and there is no valid debt owed. The attempt to collect this amount appears to be based on inaccurate information or may be a scam. I have not been provided with any formal written validation of this debt. I am requesting that this company cease all communication with me, especially at my place of employment, and provide proper validation of the alleged debt if they believe it is legitimate. I am also requesting that this matter be reviewed for potential violations of fair debt collection practices, including attempting to collect a debt that is not owed and contacting me at my workplace.

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 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a documented victim of identity theft and filed an official Identity Theft Report with the Federal Trade Commission ( FTC Report # XXXX ). The fraudulent accounts were opened without my knowledge or authorization and were specifically listed in my FTC Identity Theft Report. On XX/XX/year>, I submitted my FTC Identity Theft Report, proof of identity, and proof of address to the credit reporting agencies requesting that the fraudulent accounts be blocked from my credit file pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). Under this law, once a consumer reporting agency receives a valid Identity Theft Report and proof of identity, the agency must block the reporting of the fraudulent information within XXXX ( XXXX ) business days. Instead of blocking the fraudulent accounts as required by federal law, the accounts were marked as verified and continue to be reported on my credit file. No documentation demonstrating that I authorized these accounts has been provided. Because these accounts resulted from identity theft and are documented in my FTC Identity Theft Report, they should have been blocked pursuant to FCRA 605B. I am requesting that the fraudulent accounts be immediately blocked and removed from my credit file and that the credit reporting agency comply with the requirements of federal law.

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 2026-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I discovered that my XXXX and XXXX credit card accounts with Comenity Bank were closed without my authorization after being incorrectly classified as fraud. I want to clearly state that I never reported these accounts as fraudulent. I had been working on my credit and was addressing account balances, but at no point did I dispute these accounts as not belonging to me. As a result of this incorrect classification, both accounts were closed by the creditor. The balances have since been paid in full, however, the accounts are still reporting late payment history on my credit reports. I contacted both the credit bureaus and Comenity Bank to understand what occurred. I was informed that the accounts were flagged under a fraud-related code, which I did not authorize or request. Despite my efforts to get clarification, I have not been provided with clear documentation explaining how or why this classification was made. This situation has negatively impacted my credit profile, as I lost active accounts with positive history and am now left with inaccurate late payments still reporting. I am requesting a full investigation into this matter, removal of any inaccurate late payment history, and correction of the account reporting to accurately reflect my payment history and account ownership. I am seeking a prompt resolution, as this has caused unnecessary financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Radius global solutions llc last reported XXXX This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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