vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am using a credit card from Robinhood XXXX. The card has some good features like, providing virtual trial card. The trial card can be used to purchase trial subscriptions and the automatically cancels after 24hours. I gave the trial card into for a trial purchase at XXXX on XX/XX/year>. I used the service within trial period. The card was cancelled after 24hours. To my horror, I saw a charge of {$110.00} from XXXX on the cancelled card on XX/XX/year>. I immediately contacted Robinhood 's dispute resolution team on XX/XX/year> as soon as I saw the charge. Explained the issue and we had several mail exchanges clarifying the issue. On XX/XX/year>, I got a mail from Robinhood that the claim is denied. After few days ( as the dispute was not getting resolved ) of logging the claim with Robinhood, I called XXXX as well to get the refund. They also denied the request. Please help me in resolving the issue. I am attaching all details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
So someone made a purchase from XXXX XXXX XXXX and put it on my Affirm account. But I never bought any cermaics, And I have brought it up to Affirm multiple times but they are convinced I need to pay it. I've asked them to investigate it four times, and each time they fail. I also spoke to the owner of XXXX XXXX XXXX and she doesn't even sell any merchandise! She is just as confused as I am! my account is associated with XXXX This started on XX/XX/year> and I realized what was happening XX/XX/year> the amount they were asking for {$89.00} So far I unknowingly paid {$22.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified late payment reporting on my credit file. I previously disputed this account, and the company responded by stating that late payments were reported based on their internal policies and account terms. They referenced their Cardholder Agreement and stated that payments were not received by the due date for certain billing periods, including XX/XX/year> through XX/XX/year>. However, the company failed to provide any actual documentation to support the accuracy of this reporting. Their response did not include : A complete payment history Documentation showing how the late payments were calculated Proof supporting the reversal of a payment allegedly returned for insufficient funds The method of verification used to report this information to the credit bureaus Simply explaining internal policies does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. Under federal law, information reported to credit bureaus must be accurate and verifiable. The company has not demonstrated that they conducted a proper investigation or that the reported late payments meet the requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I used my Chase United Credit Card because of its travel benefits. I used it to pay for my flight and also a tour. The flight was canceled due to severe weather. I could not make it to XXXX for the tour. The tour was prepaid. I have submitted all the paperwork to Chase ' XXXX XXXXXXXX group for reimbursement of my tour and was rejected 3 times. 1. " Severe weather '' not stipulated by United. I got that fixed. 2. The tour receipt is not itemized. I got that fixed. 3. Current issue is - the expenses being claimed are not listed withing the " What Are Covered Travel Expenses? '' section in the Guide to Benefits. According to the guide - Non-refundable travel expenses charged by the common carrier are covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
On XX/XX/year>, I was fraudulently induced into signing a retail installment contract with Preferred Credit , Inc. ( PCI ) for a XXXX XXXX device sold by XXXX XXXX. The salesperson, XXXX XXXX, engaged in deceptive, predatory trade practices to secure my signature. To finalize the sale, XXXX XXXX provided a written guarantee for an " Equity Program '' ( email attached as Exhibit A ), promising that his company would complete 12 product presentations within 180 days, which would entirely pay off the financing of the device. Furthermore, he explicitly made verbal promises for the delivery of an additional air purifier and shampooing accessories to complete the system. Acting in good faith, I immediately began assisting with the Equity Program requirements by creating a post on my personal XXXX page to help coordinate and solicit these demonstrations for his company ( screenshot attached as Exhibit B ). However, after securing the signed financing contract, XXXX XXXX initiated a calculated bait-and-switch scheme. The verbally promised air purifier and shampooing accessories were never delivered. When I attempted to contact XXXX XXXX regarding the missing physical goods and to check status on the demonstrations his company was contractually obligated to perform, I discovered he had actively blocked my phone number. By intentionally severing communication, XXXX XXXX deliberately made it impossible to fulfill their own guaranteed Equity Program, ensuring I would be left holding the debt for the PCI financing agreement. Under the FTC 's Trade Regulation Rule Concerning Preservation of Consumers ' Claims and Defenses ( the " Holder Rule '' ), PCI is legally subject to all claims and defenses I have against the seller. I am filing this complaint because PCI is holding a fraudulent contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Unbeknownst to me, Wells Fargo has been charging me a monthly service fee of {$15.00}. This has caused me to go overdraft for the last few months, but I just finally figured out that they were charging me the fee that caused me to go overdraft. I feel I was misled about this type of account, as the representative I just spoke to today said the only way to avoid the fee was to keep an account balance over {$1000.00} or do XXXX XXXXXXXX of monthly etf deposits. I can not never and never in the past have been able to afford those things. Like most Americans, I am very strapped for cash and having trouble paying bills. After going overdraft again over this weekend, I went and made a cash deposit last night to bring the account {$18.00} in the positive. Today I called in to close my account, and after a bunch of red type ( not her fault ) the rep said my account would be closed after my deposit was done processing. Again, the receipt from last night said I was {$18.00} in the positive, and the rep confirmed I am in the positive. Just a few minutes after hanging up with the rep, I got an email from Wells Fargo saying they are unable to close my account until I bring my account positive. I suspect they are doing this on purpose to try to get a final fee out of me before I leave them. It is this type of behavior which is a big reason I want to be far away from Wells Fargo. They have a long and well documented history of dishonesty, unfair business practices and even outright lying to their customers. I want my account closed and the remaining balance mailed to me. I want a paper trail of Wells Fargo 's behavior to show the pattern as I suspect they are repeating this behavior dozens or hundreds of times each day to try to generate fees. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
A vehicle finance account was fraudulently opened in my name for a XXXX XXXX XXXX. On XX/XX/XXXX, I complained to the CFPB. In a letter dated XX/XX/XXXX, M & T Bank stated that it had determined the account was opened fraudulently and was the result of identity theft, and that it would remove the tradeline from the consumer credit reporting bureaus within XXXX to XX/XX/XXXX days. M & T also refused to reimburse my postage, forwarding, and credit monitoring costs. Despite that fraud determination, I later received a Maryland Re-Notice of Repossession and Right to Redeem dated XX/XX/XXXX regarding the same XXXXXX/XX/XXXXXXXX transaction. That notice still treated me as the borrower, stated the vehicle had been repossessed on XX/XX/XXXX, listed charges totaling {$6800.00}, and gave a sale date of XX/XX/XXXX. This means M & T either continued collection activity after determining the account was identity theft, or failed to stop its systems from sending collection notices to me. That is the basis of my complaint. I want M & T to confirm that I have no liability, that all collection activity has stopped, that all negative reporting has been deleted, and that it explain why this later repossession notice was sent after it had already determined the account was fraudulent.

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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
My vehicle financed through Wells Fargo Auto was declared a total loss on or around [ XX/XX/year> ], and my insurance company is currently processing the claim and payoff. Despite this, I was charged for a payment and Wells Fargo reported the account as having a missed payment, which has negatively impacted my credit. I have made multiple attempts to contact Wells Fargo Auto by phone to resolve this issue and request information regarding my account status and how payments are being handled during the total loss process. I have been unable to reach a representative or receive assistance. This missed payment is inaccurate, as the account should be handled appropriately during an active insurance claim. I am requesting that Wells Fargo Auto : Correct the inaccurate credit reporting Remove the missed payment from my credit report Review and properly update my account to reflect total loss status Ensure no further negative reporting occurs during this process

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/XXXX a dispute I had filed for {$4300.00} was denied by Chime bank. I filed this claim because the company charged me for services that were not provided. Chime then proceeded to deny my claim because they said there was no error. This money is owed to me as the service was not provided as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I transferred {$520.00} from my Cash App balance to a linked external bank account. The money was delivered on XX/XX/XXXX. This transfer was a mistake. The bank account I sent it to had been linked to my Cash App since around XXXX, which is why I didnt realize it was the wrong account at the time. After noticing the error, I contacted Cash App multiple times and asked them to help recover the funds or initiate a recall. They gave me an ACH trace number but told me they couldnt do anything further because the transaction was completed. I also contacted XXXX XXXX XXXX, and they told me they cant do anything unless Cash App initiates a recall request from their side. At this point, Ive tried both sides and havent been able to get any help recovering my money. Im asking that Cash App initiate a recall or take steps to help recover the {$520.00} that was sent by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Wouldn't allow tenants to renew lease so plan was switched to month to month payments which resulted in having to move. What they are trying to charge doesn't make any sense and is a lie.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this complaint regarding a late payment reported by Discover Financial Services in XX/XX/year>, which I believe is unfair given the circumstances. At that time, I was unemployed and experiencing financial hardship. I communicated this to XXXX and explained that I had just secured new employment and intended to make a payment as soon as possible. Despite this, I was not informed of any hardship programs or assistance options that may have helped me avoid falling behind. This late payment is an isolated incident and not reflective of my overall account history. I have otherwise consistently made payments and maintained responsible account behavior. Since then, I have made multiple attempts to resolve this issue directly, including sending goodwill letters, but my requests have gone unanswered or I have been told no assistance can be provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report information accurately and fairly. While the late payment may be technically accurate, it does not fully reflect the circumstances, my proactive communication, or my otherwise strong payment history. This mark continues to negatively impact my credit profile. I respectfully request that XXXX review this matter and consider removing the XX/XX/year> late payment as a gesture of goodwill. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: IL

Complaint narrative:
My mortgage payment is fixed at {$1100.00} per month until XX/XX/year>. However, beginning with my monthly statements, LoanCare increased my payment to approximately {$3400.00}, and later around {$1700.00}, then up again to around {$2000.00}, without giving me a clear or proper explanation. LoanCare later stated the increase was because they paid my property taxes on my behalf through escrow. This is incorrect. I live in Illinois and I am a 100 % XXXX veteran, which makes me exempt from property taxes. XXXX XXXX has confirmed that I do not owe these taxes. LoanCare also gave me incorrect information regarding a {$1700.00} payment I made. During a phone call, I was told that if I made that payment it would be applied to my mortgage. Instead, the payment was placed into a suspense account without proper explanation. Because of this, I lost trust in LoanCares handling of my account. After that, I placed my future mortgage payments into my savings account while waiting for LoanCare to correct the escrow and tax errors. Instead of resolving the issue, LoanCare is now demanding {$18000.00} as a reinstatement amount to avoid foreclosure and sale of my home. This situation has caused severe stress for me and my dependents. LoanCares actions and conflicting information have damaged my trust in them as my mortgage servicer. They also told me that if I paid the amount they requested, XXXX XXXX would later refund me, but given the prior misinformation, I can not rely on that statement. I am requesting assistance and a forbearance on my VA home loan until these errors regarding taxes, escrow, and payment handling are fully investigated and corrected.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: WV

Complaint narrative:
There are multiple unauthorized transactions that were taken from my account. There are also unauthorized transactions from the borrow feature. CashApp support has opened a case but has not given me any feedback or answers. I am now nearly {$500.00} in debt from fraudulent charges. When I contact support they tell me my case has been escaped and disconnects my calls. They will not respond through the chat feature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding Ally Financials handling of my auto loan account and what appears to be unauthorized changes to my loan term and payoff date. My original loan term was for 72 monthly payments. Ally has repeatedly added full additional monthly payments to the end of my loan beyond what would be required to account for a missed or returned payment. This is not simply a matter of one missed payment moving to the end of the contract. Ally has continued to extend my maturity date by adding entire additional months, causing me to pay substantially more than what I reasonably understood I owed under the original contract. Most concerning, within the span of approximately one week, I was told by Ally that my final payment would be due in XXXX, and then shortly afterward I was told that my final payment date had changed to XXXX. When I disputed this change, Ally informed me that I had signed a recent document authorizing these changes. I did not sign any such document, nor did I authorize any loan modification, deferment, extension, or term change. I specifically requested a copy of the alleged signed document, and Ally failed to provide it. I am requesting that Ally be required to provide : A copy of the alleged signed document The date and time it was allegedly signed The method of signature or authorization ( electronic signature, phone authorization, or other ) Any electronic audit trail, IP logs, or call recordings A complete life-of-loan payment history and transaction ledger A written explanation for the maturity date changing from XXXX to XXXX within one week A corrected payoff amount and final payment date if this change was made in error I am disputing any unauthorized modification to my contract and any additional payments or months added without my consent. I am concerned this may be an account servicing error or an unauthorized modification of my loan terms. Additionally, the accounting sheet they sent me that I received in the mail today did not accurately represent the payments I have owed them.

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