vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. An unknown individual used my Social Security number and personal identification to rent and reside in an apartment at The XXXX in XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. During this entire period, I was living in my own home in XXXX XXXX, Nevada. As a result of this fraud, I was forced to take legal action against XXXX XXXX XXXX, the owner of the apartment building, to have the fraudulent debt collection removed from my credit report. XXXX XXXX XXXX formally acknowledged that I never resided in their property, that the lease agreement was fraudulent and unauthorized, and that I had no knowledge of its existence until XX/XX/XXXX, when it negatively impacted my credit. This matter was resolved around XX/XX/XXXX. On XXXX, XX/XX/XXXX, I received an alert from my XXXX XXXX account indicating that my XXXX XXXX had dropped. Upon investigation, I discovered a new fraudulent collection account reported on my XXXX credit report, which has further damaged my XXXX XXXX. This collection relates to unpaid utility bills with XXXX XXXX and XXXX XXXX, opened and used by the same individual who committed the identity theft described above in connection with the fraudulent lease. I had no knowledge of these utility accounts or services prior to XX/XX/XXXX, and I never authorized or used them. This is clearly a continuation of the identity theft and fraud previously established. The XXXX XXXX and XXXX XXXX account number associated with this fraudulent activity is : XXXX I request that this fraudulent collection account be immediately investigated, blocked, and permanently removed from my Experian credit report. I also request that appropriate measures be taken to prevent any further fraudulent activity associated with my identity. Sincerely, 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
US Bank did not address my main concern in their previous response. My issue is not standard overdraft fees. The issue is that US Bank initially processes XXXX pays transactions ( such as utility bills ), XXXX then reverses them several days later. This delay causes additional fees from XXXX-party service providers ( such as water, gas, electric, and internet companies ) XXXX creates a chain of extra charges. This practice results in double financial harm bank fees XXXX external return fees due XXXX the timing of how transactions are handled. This was not clearly explained to me. From the beginning, I also explicitly requested multiple times that my account should not be allowed XXXX go negative under any circumstances. Despite this, transactions were still processed in a way that caused overdrafts and fees. I have documentation ( screenshots and statements ) showing this repeated pattern over time. This situation placed me at risk of service interruptions and additional financial hardship due to factors outside of my control. I kindly ask that this specific transaction handling practice be reviewed, including the timing of payment reversals XXXX its impact on additional third-party fees. I am also asking for a review of the fees charged as a result of this process, if they were applied unfairly.

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 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: MO

Complaint narrative:
I have filed XXXX previous complaints about this same company regarding getting charged {$4.00} a month for their monthly fee. While they provided a refund for XX/XX/XXXX in the amount of {$4.00}. I have YET AGAIN BEEN CHARGED XXXX SINCE MAKING THE LAST COMPLAINT!!! So I am still getting billed monthly. I got charged {$4.00} on XX/XX/XXXX And {$4.00} on XX/XX/XXXX. I have screenshots XXXX provide proof of my bank account. No refunds have been provided for these. But, it is becoming very blatantly obvious they have not closed my account or resolved this issue. They think I'm just going XXXX let it go XXXX keep getting billed monthly. But, I am not. If this continues XXXX happen I XXXX have XXXX consider legal action. I know it's only {$4.00} but it's the principal. If I am going XXXX be billed monthly then they need XXXX put it towards the {$100.00} something I owe XXXX not charge me ever again after. But, since this is now my XXXX complaint I highly doubt that would work that way either. They would probably still continue XXXX withdraw from my account monthly. PLEASE DO NOT DOWNLOAD THIS APP NO MATTER HOW BAD YOU NEED THE MONEY. THEY WILL CONTINUOUSLY CHARGE YOUR BANK ACCOUNT THE MONTHLY FEE. Respond TO YOUR COMPLAINT ON HERE AND GIVE U A REFUND BUT TURN AROUND AND CONTINUE TO CHARGE YOUR ACCOUNT!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
On XX/XX/year>, Factor XXXX charged my Apple Card ( issued by Goldman Sachs Bank USA ) {$320.00}. My typical weekly meal order with Factor is approximately {$90.00}. I did not authorize a charge of {$320.00}. I contacted Factor XXXX customer support XXXX understand the charge. Their representative confirmed in a written email that they have no record of a {$320.00} charge on my account. Their system shows only XXXX orders : {$110.00} ( delivered XX/XX/XXXX ) and {$90.00} ( delivered XX/XX/XXXX ) neither of which matches the {$320.00} transaction posted XXXX my card. Factor advised me XXXX dispute the charge with my bank since it does not reconcile in their system. I filed a transaction dispute with Goldman Sachs ( case XXXX ) for {$230.00}, representing the overcharge above my expected order amount. I submitted the email from XXXX XXXX support team as evidence during the dispute process. Goldman Sachs denied the dispute, stating the merchant charged me for the agreed upon amount. This directly contradicts the written evidence from the merchant, who confirmed the charge does not exist in their records. It appears Goldman Sachs did not review the merchant correspondence I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding identity theft involving fraudulent attempts XXXX open financial accounts using my personal information. On or about XX/XX/year>, I received notifications from financial institutions that applications had been submitted in my name without my authorization. This includes XXXX Bank, Wells Fargo, XXXX XXXX, and XXXX. The following personal information was used without my consent : -XXXX XXXX Number -Protected Safe at Home mailing address -Phone numbers associated with me -Email address created in my name I immediately took the following actions : -Filed an FTC Identity Theft Report ( # XXXX ) -Placed fraud alerts XXXX credit freezes with all XXXX credit bureaus -Reported the fraud directly XXXX the institutions involved -Completed XXXX protections At this time, I am XXXX : XXXX confirmation that no accounts have been opened in my name -Removal of any unauthorized inquiries or records -Assurance that my information will not be used or retained improperly -Documentation of actions taken in response to this fraud This matter involves highly sensitive personal information XXXX should be treated as identity theft with potential criminal implications. No financial loss has occurred at this time, but multiple fraudulent attempts were made. I have documentation available, including an FTC Identity Theft Report and supporting records.

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 2026-03-24 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: PINNACLE FINANCIAL PARTNERS, INC.
State: NY

Complaint narrative:
I opened a XXXX XXXX secured credit card approximately XXXX years ago XXXX paid a {$400.00} security deposit. I never received the physical card and therefore was never able XXXX activate or use it. I contacted the company multiple times XXXX resolve the issue. I was told the card had been mailed XXXX returned, but the mailing address on file is my correct address. I do not have delivery problems with other financial institutions or service providers. Despite my repeated efforts, I was not provided a working replacement card, XXXX I was not given meaningful assistance or a proper resolution. Even though I never received or used the card, the company charged annual fees, late fees, XXXX interest XXXX the account. These charges caused negative reporting XXXX appear on my credit report, XXXX my XXXX XXXX dropped by XXXX points. I believe it is unfair XXXX inaccurate XXXX report late payments, fees, and interest on an account tied XXXX a card that I never received and never used. I requested information from the company regarding why I did not receive the card, whether it was mailed XXXX the correct address, whether it was returned, a full account history, why annual fees, late fees, XXXX interest were charged, how my {$400.00} security deposit was applied, XXXX why negative information was reported XXXX the credit bureaus. I did not receive a complete explanation or fair resolution. I understand that closing a credit card account can sometimes affect a XXXX XXXX. However, this account is already causing harm through disputed late payments, fees, interest, XXXX negative reporting tied XXXX a card I never received or used. I am therefore requesting closure of the account XXXX prevent any further damage to my credit. I am requesting the following resolution : A full investigation of this account Removal of all late payments, fees, interest, XXXX any other negative reporting related to this account from my credit reports Closure of the account so no further charges can be added Either issuance of a valid usable card without the disputed charges, or return of my full {$400.00} security deposit if the company can not validate the charges A complete written accounting showing how my {$400.00} deposit was applied Because I never received or used the card, I am formally disputing the charges and the negative credit reporting and I am requesting a fair correction of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am receiving collection notices from Columbia Debt Recovery XXXX ( dba Genesis ) for an alleged debt of {$270.00} originating from a landlord-tenant dispute with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA ) XXXX I am formally disputing this debt in its entirety XXXX have sent a written dispute XXXX request for validation directly XXXX XXXX via email on XX/XX/year>. The underlying debt is invalid XXXX represents bad-faith billing practices by the original creditor that violate the Washington XXXX XXXX XXXX XXXX ( XXXX XXXX ) : XXXX. Unlawful Penalties : The creditor is attempting XXXX charge an arbitrary {$100.00} flat fee for a " trash-out, '' rather than actual incurred costs as required by state law. I possess written proof from the creditor offering XXXX reduce this fee by XXXX % in exchange for a XXXX XXXX review XXXX proving the charge is an extortionary bargaining chip, not an actual damage cost. XXXX. Charging for Defective Workmanship : The creditor is charging {$290.00} for a tub resurfacing, claiming a standard bath mat caused the enamel XXXX bubble. The creditor admitted in writing that the tub was " brand newly resurfaced '' immediately prior XXXX my tenancy. This indicates pre-existing defective XXXX workmanship, not tenant negligence. XXXX. Failure to Provide Proof : When requested, the original creditor failed XXXX provide actual, post-move-out vendor invoices XXXX substantiate the charges, relying instead on generic price lists XXXX invoices from before my tenancy began. I have already filed a formal complaint against the original creditor with the Washington XXXX Attorney General XXXX XXXX regarding these deceptive practices. XXXX is attempting XXXX collect a debt that is legally unenforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XXXX I sent out via certified signature via XXXX to LVNV FUNDING LLC / C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX XXXX One letter was for Validation for the Account number received and the other letter was a different version requesting validation and verification of debt. Within the letter, it also stated that if they sent the required items to prove I owed the debt, I was also willing to talk settlement, if it was a possibility. The green card with tracking number : XXXX was received XXXX @ XXXX. I then received from Resurgent Capital Services, a letter dated XX/XX/XXXX which reads : Dear <my name>, Resurgent Capital Services L.P. manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry recently received either directly or form XXXX, XXXX XXXX XXXX, P.A, the current servicer of this account. For further assistance, please contact XXXX of our Customer Service Representatives toll-free at XXXX. Sincerely, Customer Service Department Resurgent Capital Services L.P . Enclosure Please read the following important notices, including the enclosed validation notice, as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for the purpose. This communication is form a debt collector. Then the second page included has this information : My name and address Reference number As of XX/XX/XXXX you owed : {$1100.00} Between XX/XX/XXXX and today You were charged this amount in interest : {$0.00} You were charged this amount in fees : {$0.00} You paid or were credited this amount toward the debt : {$0.00} Total amount of the debt now : {$1100.00} At the bottom of this page there is a section to cut out to make a payment, dispute and request the name and address of the original creditor. This debt collector has not furnished proper documentation to validate and verify the debt that they are trying to collect on. I am sending a second notice again but have added that I am filing a complaint and may reach out to the state attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: MS

Complaint narrative:
I was notified by my bank that my checking and savings account was frozen ( Writ Of Garnishment ) on XX/XX/XXXX for $ XXXX that it will remain in place until release by the courts, or they will remit funds in 30 days.I conntacted the Law firm with a certified letter on XX/XX/XXXX with no response. The last transaction on this account was XX/XX/XXXX in which makes this a time-barred debt in the state of Mississippi. ( XXXX ) They shared debt information impropely with a third party. ( XXXX ) The debt is time-barred cause the statue of limitions has expired. ( XXXX ) they DID NOT response to the dispute letter. The card holder charge the account off and was sold to this Law Firm, but the Law Firm is using the orginal card holder name as to make it seem that they are repesenting this company in the courts and requesting that all payments be summitted to them, in which seem to me to be misleading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: SC

Complaint narrative:
My name is XXXX have social is XXXX chime had closed my account. When I try to get on it says for security reasons. I would like to open it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: WA

Complaint narrative:
I received a Vanilla Visa Gift Card and used it to make a purchase, which I later canceled. The refund for this canceled transaction was not properly processed. On XX/XX/XXXX, I filed a dispute ( Case ID : XXXX ) regarding the missing refund for a canceled XXXX XXXX order. After filing the dispute, the card was blocked. On XX/XX/XXXX, I received written confirmation stating that my refund request was approved and that a check for {$490.00} had been issued. However, I have not received this check. Since XX/XX/XXXX, I have contacted customer service more than 10 -15 times to request the status of the refund, but the company has failed to provide clear information or resolve the issue. I stopped contacting them from XX/XX/XXXX out of frustration. I recently called again on XX/XX/XXXX. They stated the case had been closed and reopened, and I provided my current mailing address : [ XXXX XXXX XXXX, XXXX XXXX, XXXX, WA - XXXX ]. They said I would receive an update within 24 hours and that the case was escalated. However, nothing happened, and the same cycle continues every time I contact them. I no longer want to repeatedly contact Vanilla. I am seeking CFPBs assistance to ensure that the approved refund of {$490.00} is issued and sent to my current address immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: FL

Complaint narrative:
On XX/XX/year>, I cancelled my XXXX subscription before the free trial ended. On XX/XX/year>, XXXX confirmed in writing that my subscription was cancelled and would not renew after XX/XX/year>. Despite this, XXXX charged {$29.00} through PayPal on XX/XX/year> ( Transaction ID : XXXX ). XXXX customer support confirmed multiple times in writing ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> ) that this charge was an error and that a refund had been processed. No refund was ever received. I filed three disputes with PayPal, all of which were rejected. I removed my banking information from PayPal on XX/XX/year>, however PayPal retained my bank account information from the stored transaction. My PayPal account now shows a negative balance of {$29.00}. On XX/XX/year>, XXXX sent me a notice stating they intend to contact my bank within 4 business days to collect the {$29.00} despite the merchant confirming in writing this charge was unauthorized. PayPal has repeatedly rejected my disputes and refused to stop collection attempts on a charge the merchant has admitted was an error. I have full email documentation of all of the above. On XX/XX/year> at XXXX XXXX, I spoke with a PayPal escalations representative named XXXX. This was my third escalation attempt. During this call, I informed the representative that I had email proof from the merchant confirming the charge was an error. The representative was unable to confirm whether my evidence had been reviewed, was unable to explain what their investigation process entailed, and was only able to read from a script. I was told the case would be escalated to their backend team with a decision expected within 24-48 hours. Despite my repeated statements that the charge was unauthorized and that I had no funds in my account, the representative continued to insist the charge was authorized. A third escalation is currently pending with no resolution. PayPal has denied my dispute multiple times without adequately reviewing the documentation I provided, while continuing to attempt collection of a charge the merchant has confirmed in writing was unauthorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 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: National Credit Systems,Inc.
State: TX

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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to dispute fraudulent/Inaccurate information for a collection made to my credit report. The account is listed as PORTFOLIO RECOVERY, account # XXXX has a charge-off collection for {$2200.00} from XX/XX/XXXX - XX/XX/XXXX. I believe the transactions are the result of identity theft or fraud. I have only discovered that my accounts are delinquent through the credit apps such as XXXX, XXXX, and XXXX. I have never received a statement in the mail, and the last time I reviewed my account, it was at a {$0.00} balance. When I contacted the credit agency I was told the only information they had available was the charge-off/collection balance.

Company response to consumer: Closed with non-monetary relief