vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
For five years I have been trying to appeal the cash app. They deactivated it and will not open. They said I went against them. I did not. It was fraud and scammers. I only use it to pay my family and friends on cash app for food, gas, dinner, etc. Yes I tried to do a new account. It did not work. I have one phone number and one home email and one work email address.it should not take 5 years. I have tried to upload my id as asked. It did not work. I want a new account ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTo Whom It May Concern,\n\nThis letter serves as a formal cease and desist notice regarding the reporting and collection activity associated with the following accounts listed on my consumer report:\n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder the provisions of the 15\\ U.S.C.\\ \\ 1681s{-}2 Fair Credit Reporting Act (FCRA), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. I am requesting competent evidence bearing my signature that validates these alleged debts and your legal authority to collect or report them.\n\nPursuant to 15\\ U.S.C.\\ \\ 1681i, I dispute the accuracy and completeness of these accounts and demand a reasonable investigation. If you cannot provide proper verification, these accounts must be deleted immediately from all consumer reporting agencies.\n\nFurthermore, under 15\\ U.S.C.\\ \\ 1692c(c) of the Fair Debt Collection Practices Act (FDCPA), you are hereby instructed to cease and desist all communication with me regarding these alleged debts except to provide validation or confirmation of deletion.\n\nPlease also note that reporting unverifiable or inaccurate information may constitute violations of:\n\n* 15\\ U.S.C.\\ \\ 1681e(b) failure to follow reasonable procedures for maximum possible accuracy\n* 15\\ U.S.C.\\ \\ 1681c improper reporting of obsolete or inaccurate information\n* 15\\ U.S.C.\\ \\ 1692e false or misleading representations\n* 15\\ U.S.C.\\ \\ 1692f unfair collection practices\n\nIf these accounts are not properly verified and removed, I reserve the right to file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General for violations of federal consumer protection laws.\n\nYou have 30 days to comply with this request.\n\nSincerely,\XXXXXXXX XXXX XXXX'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
b'I received a call from someone saying they are with XXXX/zelle and they claimed two transactions have been stopped. The have information go across correctly would have to have to add a recipient and send them the transaction number. They gave me a fake case number. The call came from. XXXX XXXX XXXX and the number they were having me zelle the transaction code to was XXXX XXXX XXXX The call came in at XXXX XXXX I cought on the the scam before sending money. They case number and transaction number and account are below. \n Case number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: OH

Complaint narrative:
XX/XX/XXXX, XXXXwo transactions of {$900.00} and {$890.00} made at cheapoair travel agent for XXXX XXXX XXXX. I booked four flights together that started from XXXX to XXXX to XXXX to XXXX to XXXX. At XXXX XXXX, airline agents checked all my visa documents and have onboarded me to flight. They have me boarding pass tilly final destination XXXX. They confirmed me that all my visa documents are verified and am good to go till my destination country. At XXXX airport suddenly airline denied onboarding my flight even I had Valid visa documents and boarding pass. XXXX XXXX stopped onboarding in mid of my journey. The removed my all luggage at kept it out of airport. I was mentally and health wise disturbed as they denied boarding in mid of my journey. I was frustrated and was waiting in airport for 6 hours. They didnt provide me service neither refund my money. My XXXX documents are already verified at XXXX XXXX and was given boarding pass till destination. XXXX XXXX mentioned like since i booked through travel agent they denied onboarding and denied refund. Amex credit card is not providing right solution and favouring merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
My name is XXXX XXXX and I purchased a new XXXX system through XXXX XXXX and was installed by XXXX on XX/XX/XXXX. The fireworks of ongoing breakdowns and installation issues has not stopped since. My XXXX system has been serviced 7 total times since my brand new XXXX system was installed within the past year. I spoke with XXXX, the customer care representative on XX/XX/XXXX and promised a resolution to this issue but never received a followed up. Al the field supervisor also promised to resolve the XXXX by installing a new drain line and electrical repair and mentioned extending my labor warranty but XXXX the warehouse manager sent the wrong work order and the repairs were not able to be completed. On one has since reached out in 16 business days concerning my XXXX system. This is how I would characterize my experience with XXXX throughout my home 's entire XXXX system history. A complete lack of accountability, empathy, and professionalism has been the standard set fourth by the XXXX XXXX branch. The most difficult part part of this entire process is that I have two small children and that the XXXX system stopped working on XX/XX/XXXX ; 1 day after my wife 's twin sister passed away of XXXX XXXX. Suffering the lost of a loved one is hard enough, but not having A/C in the brutal XXXX XXXX 3 months after a brand new XXXX system installation is not acceptable in terms of business or customer service best practices. I have absolutely zero confidence that my XXXX system will last the upcoming extreme XXXX XXXX heat and my family will have to once again endure these dangerous conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I signed up for a Paypal Credit account XXXX. I was told I would get {$40.00} off my XXXX XXXX XXXX XXXX order. I never got the {$40.00} off and I called last week and spoke with an agent at the Credit Card XXXX and they said it was because my order with XXXX XXXX XXXX XXXX was still pending, which made no sense because XXXX XXXX XXXX XXXX already delivered my order several weeks earlier. They told me to wait a week. I waited a week and its still not fixed. I talked to six different people at Paypal rewards and Credit Card and none were able to help me and kept passing me along to someone else. XXXX XXXX XXXX XXXX has no part in this {$40.00} off promotion I need this honored.

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 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I keep receiving these text messages about a XXXX debt but I never in my life had XXXX Ive always been with XXXX I dont have any payments with XXXX. And the only proof I have is these text messages no one ever called me no email anything just these strange text messages I believe this is fraud. I need help getting this removed off my credit report because its not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 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: FL

Complaint narrative:
On XX/XX/2025, a formal 60-day written notice was sent to the property management of the apartment complex ( XXXX XXXX XXXX ) stating intent to vacate the unit at the end of the lease on XX/XX/2025. All rent due during the entire lease term was fully paid and up to date. Multiple attempts were made via phone and email to schedule an official move-out inspection and key exchange, but property management failed to respond or coordinate. Furthermore, the property management office was completely closed and locked each time I physically showed up during normal operating hours to handle the move-out process. Per verbal instructions previously given by staff, the keys were safely left inside the unit upon vacating, and time-stamped photographs were taken to document the successful return of the keys inside the property. On XX/XX/2025, a final follow-up email was sent directly to property management explicitly providing a written forwarding address in XXXX XXXX XXXX FL. Under Florida Statute 83.49, because a written forwarding address was provided, the landlord was legally required to send an itemized Notice of Intent to Impose a Claim via certified mail to that forwarding address within 30 days of the move-out date. No statutory notice, certified mail, or itemized bill was ever sent to the provided forwarding address within the 30-day legal window, thereby forfeiting the right to the claim under state law. Instead of complying with state notification laws, a derogatory collection trade line of {$780.00} was placed on the consumer 's credit report by National Credit Systems without prior notice or verification. National Credit Systems is reporting an unverified, legally forfeited, and inaccurate debt. I am requesting that National Credit Systems immediately delete this collection account from the credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: TX

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 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I paid the auto loan in full, I received the title of the car, and letter stating my auto loan was paid off, the company is reporting my auto loan as " charge-off '' with updated balance. Need removed from my credit report As Soon As possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nTo Whom It May Concern,\n\nThis letter serves as a formal cease and desist notice regarding the reporting and collection activity associated with the following accounts listed on my consumer report:\n\n* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder the provisions of the 15\\ U.S.C.\\ \\ 1681s{-}2 Fair Credit Reporting Act (FCRA), all information furnished to consumer reporting agencies must be accurate, complete, and verifiable. I am requesting competent evidence bearing my signature that validates these alleged debts and your legal authority to collect or report them.\n\nPursuant to 15\\ U.S.C.\\ \\ 1681i, I dispute the accuracy and completeness of these accounts and demand a reasonable investigation. If you cannot provide proper verification, these accounts must be deleted immediately from all consumer reporting agencies.\n\nFurthermore, under 15\\ U.S.C.\\ \\ 1692c(c) of the Fair Debt Collection Practices Act (FDCPA), you are hereby instructed to cease and desist all communication with me regarding these alleged debts except to provide validation or confirmation of deletion.\n\nPlease also note that reporting unverifiable or inaccurate information may constitute violations of:\n\n* 15\\ U.S.C.\\ \\ 1681e(b) failure to follow reasonable procedures for maximum possible accuracy\n* 15\\ U.S.C.\\ \\ 1681c improper reporting of obsolete or inaccurate information\n* 15\\ U.S.C.\\ \\ 1692e false or misleading representations\n* 15\\ U.S.C.\\ \\ 1692f unfair collection practices\n\nIf these accounts are not properly verified and removed, I reserve the right to file complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General for violations of federal consumer protection laws.\n\nYou have 30 days to comply with this request.\n\nSincerely,\XXXXXXXX XXXX XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I already paid XXXX XXXX bill to XXXX. Check your statement

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
A dispute was filed due to an overcharge from XXXX. A temporary credit was given. The bank ( Capital One ) then deleted the transactions used for proof and two months later requested to withdraw the temporary credit. I was speaking to a representative on XX/XX/year> and XX/XX/year>. Each representative seen the duplicate posted transactions and proceeded with the dispute. The second purchase with XXXX I transferred each amount to keep record of the amount spent. I discussed this with the representative on XX/XX/year> and also noted the reasons for the transfer for each transaction in which I was partially over charged in the amount of {$47.00}. As of today XX/XX/year> XXXX has no record of the duplicate transactions. No money was added back nor refunded to the account from XXXX. Capital One is now demanding the withdrawal of temporary credits placed in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: Westlake Services, LLC
State: MA

Complaint narrative:
I am filing a complaint regarding conflicting and unsupported statements about a Vehicle Service Contract ( VSC ) cancellation refund connected to my auto loan with XXXX XXXX. Background : I cancelled a VSC ( XXXX XXXX XXXX ) associated with my financed vehicle. Part of the refund ( ~ {$650.00} ) was received/applied. A remaining balance of approximately {$550.00} was repeatedly confirmed by Westlake as NOT yet received. I later obtained written confirmation from the VSC administrator stating that Westlake Financial had received the remaining balance and that the finance company was responsible for disbursing/applying the refund. Issue : After receiving this confirmation, Westlake changed its position and stated that the full refund had already been applied to my principal balance. However : They have repeatedly refused or failed to provide transaction-level proof. Multiple times they stated they would send documentation proving the refund application, but no documents were ever sent by email or mail. I requested a detailed ledger/accounting showing the exact credit entry, posting date, amount, and balance adjustment, but have not received it. I am concerned because the explanations provided by Westlake have been inconsistent and unsupported by documentation despite repeated requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I requested instant withdrawal for cashapp transfer I received. I was charged {$75.00} instant withdrawal fee but not able to access funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Violations Reporting a chargeoff AND a balance due at the same time FCRA 1681e ( b ) ( accuracy ) XXXX XXXX prohibits chargeoff with ongoing balance increases. No Date of Last Payment listed Required for DOFD calculation FCRA 623 ( a ) ( 5 ) violation ( must report accurate DOFD ) Months Reviewed : 2 even though the DOFD is XXXX Impossible. Indicates incomplete or fabricated payment history. Narrative Code 057 ( Collection Account ) but also showing CO in payment grid Doublecoding is a XXXX XXXX violation. Opened XX/XX/XXXX but DOFD is XX/XX/XXXX A debt buyer can not have a DOFD before the account existed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
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 two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm 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 explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tennessee Credit Management, Inc
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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