vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
STATEMENT OF FACTS & REGULATORY VIOLATIONS I am filing a formal complaint against National Credit Adjusters , LLC ( NCA ) for a documented, months-long pattern of willful evasion of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The disputed account is a {$470.00} collection tradeline currently being reported by NCA, allegedly originating from XXXX XXXX. This account is legally invalid ; it is a clerical duplicate of an installment loan initiated via XXXX XXXX, underwritten by XXXX XXXX XXXX, which I have already paid in full to a {$0.00} balance. Charge 1 : Illegal Reporting Without Satisfying FCRA 623 ( a ) ( 8 ) ( E ) ( iii ) On XX/XX/year>, I submitted a direct dispute to NCA via email. In this communication, I explicitly detailed the basis of the dispute and attached undeniable physical proof : the original Promissory Note and the Account Closure Verification proving a {$0.00} balance. NCA acknowledged receipt of my email and attachments on XX/XX/year>. However, NCA completely failed to conduct a reasonable investigation or provide me with the results of any such investigation regarding the evidence provided. Because NCA failed to legally complete the dispute process and report the results to the consumer, they failed to satisfy the explicit mandate of FCRA 623 ( a ) ( 8 ) ( E ) ( iii ). Without satisfying Clause ( iii ) to legally complete the direct dispute process, NCA possesses no statutory authority to continue reporting this tradeline. Consequently, every monthly update NCA has pushed to the credit bureaus since XX/XX/year> constitutes the illegal reporting of an unverified and disputed tradeline. Charge 2 : Bad-Faith Evasion in Response to Certified Mail When NCA failed to properly resolve the matter, I submitted a Formal Debt Validation Request under 15 U.S.C. 1692g via XXXX Certified Mail on XX/XX/year>. Instead of executing their statutory duties to provide validation or investigate the previously supplied evidence, NCA responded to my certified mail by generating a boilerplate stall letter dated XX/XX/year>. In this letter, NCA falsely claimed " sufficient information was not provided '' to investigate. This is a demonstrable falsehood and a deliberate regulatory evasion tactic. NCA has possessed the exact basis of the dispute and the definitive evidentiary documents since XXXX. NCA is willfully utilizing bad-faith administrative form letters to evade their legal obligation to delete a fraudulent tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: OH

Complaint narrative:
On XX/XX/year>, I received a marketing email from XXXX XXXX with the subject inviting me to " apply for another loan. '' The email explicitly promised that " New lower rates mean it could be a good time to borrow. '' Based on this deceptive marketing, I clicked through, believing I was applying for a small, secondary loan for approximately {$1000.00} in operating cash. Instead, the user interface executed a bait-and-switch. It forced a full refinance of my existing {$35000.00} loan ( which had a 14.17 % APR and a perfect payment history ) and replaced it with a new {$40000.00} loan at a staggering 26.99 % APR. Because the presentation obscured the true cost of the transaction, I was charged a massive {$2700.00} origination fee just to receive a net cash payout of {$1000.00}. No reasonable consumer would intentionally agree to double their interest rate and pay a fee equivalent to 266 % of the actual cash received. I recognized the material misunderstanding immediately upon funding. Within two hours ( at approximately XXXX XXXX XXXX on XX/XX/XXXX ), I called XXXX XXXX to formally rescind the contract, un-do the transaction, and return the {$1000.00} deposit, which remains entirely untouched in my bank account. The agent refused to escalate me to a supervisor, but provided Case # XXXX, stating the issue would be escalated to a Customer Resolution Unit and I would receive a final answer within 3 to 5 business days. I also sent a formal written notice of rescission via email to XXXX XXXX and XXXX XXXX Bank compliance that same day. On XX/XX/year>, I received an email reply from XXXX XXXX stating that while they generally do not process rescissions on refinanced loans, my issue was escalated to their Customer Resolution Unit for active review. The email explicitly promised that I would " receive a communication when the team 's research has been finalized ''. However, XXXX XXXX failed to honor their stated resolution timeframe, allowing the new loan to fully settle and accrue interest at the higher rate. Having received no further communication, I called XXXX XXXX again on XX/XX/year>. The agent I spoke with checked my file and noted that an internal decision had actually been reached on XX/XX/XXXX, but admitted that no one had reached out to me as promised. She apologized for the failure in communication before informing me that they would not reverse the loan. Because XXXX XXXX marketing and interface were highly deceptive, and because they failed to properly process and communicate regarding my immediate, same-day rescission request, I am seeking regulatory assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding a denied fraud claim with Navy Federal Credit Union ( Incident # XXXX ) and my related claim with XXXX XXXX ( Case # XXXX and Case # XXXX ). On XX/XX/year>, I was the victim of an impersonation scam. I received a phone call from a number that appeared to be Navy Federal Credit Union. The caller claimed my account was compromised and instructed me to transfer my funds to protect my account. Believing I was speaking with my financial institution, I followed these instructions and transferred {$2700.00} through XXXX XXXX. I later discovered this was a scam and that the individual was not affiliated with Navy Federal. I did not intend to send money to a third party, did not receive any goods or services, and did not benefit from this transaction. This was a case of fraud through social engineering. Navy Federal Credit Union and XXXX XXXX denied my claim stating that the transaction was completed properly. I requested documentation used to make this decision, but I have not received any meaningful response or supporting documents. I have also contacted XXXX XXXX regarding this fraud and am seeking a second review of my claim. I have filed a police report regarding this incident. I am requesting XXXX XXXX and Navy Federal re-evaluate this claim as fraud and reimburse the unauthorized transaction. I am also requesting assistance regarding Navy Federal Credit Union 's handing of my fraud claim

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I opened a Marcus by Goldman Sachs savings account in XX/XX/year> and currently have a little over {$10000.00} in the account. At the beginning of XXXX, I attempted to transfer {$1200.00} to my checking account, but the transfer failed twice. On XX/XX/year>, I called customer service twice and was told they could see the failed transfers but did not identify any issues on their end. I was advised to try again. I made multiple additional attempts, all of which failed, and I was repeatedly told there was no apparent reason for the issue. Frustrated, I called again on XX/XX/year>, to close the account. The customer service representative processed the closure without any issue. However, after several days passed and I had not received my funds, I logged back into my account and discovered that the bank had reversed and canceled the closure without notifying me. Since XX/XX/year>, each time I call customer service, I am asked identity verification questions despite providing my Social Security number, address, and secret word. I am repeatedly asked the same question, and although I provide the correct answer, I am told that I have failed verification, that my account is locked, and that someone will contact me within 24 hours. No one has ever followed up. On XX/XX/year>, I called again and requested to speak with a supervisor. The supervisor stated that a note was placed in the system requesting that a paper affidavit be sent to me, which I would need to complete and return to resolve the issue. However, I was told this could only be sent after someone contacted me within 24 hoursagain, no one did. Later that same day, I called again and spoke with another supervisor who told me the affidavit was being expedited and shipped to me. As o f XX/XX/year>, I still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-04-29 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint against Goldman Sachs Bank USA for incorrectly closing my transaction dispute ( Case # XXXX ) regarding a {$460.00} purchase at XXXX XXXX XXXX XX/XX/year>. Although the bank claims the items were not returned within the merchant 's timeframe, I attempted to return the merchandise which was in original, unworn condition in mid XXXX, well within the valid return window. The return was unfairly refused by store staff despite prior assurances during a rushed, high-pressure sales environment that I would be able to return the items if they did not fit or if I changed my mind. Furthermore, I was sold a defective, misshapen floor model hat, and despite providing photographic evidence of the items ' condition and the original receipts, the bank has rebilled my account. I request a full reversal of this charge as I acted in good faith to meet the return requirements and have been met with merchant refusal and an inadequate investigation by the bank. I am writing to provide additional details for my transaction dispute ( Case Number : XXXX ) regarding the purchase at XXXX XXXX # XXXX on XX/XX/year>. I attempted to return boots, hat, and a dress in mid XXXX, which was well within the store 's return window. All items were in perfect, original condition. However, the store clerk refused to accept the return. Specifically regarding the dress, it did not fit correctly. I was unable to try it on in the store at the time of purchase because the staff were rushing to close and pressured me to finish my transaction quickly. At that time, the salesperson ( a different person than the return clerk ) assured me I could return the items if I changed my mind. I also mentioned to them that I would be out of town for a work event immediately following the purchase, which prevented me from returning sooner than I did. Additionally, I was sold a floor model hat that was clearly misshapen. The staff told me they had no other sizes available but that I could bring it in to get reshaped. After closer inspection at home, I realized the damage was worse than initially thought, and I decided I would rather order a replacement online. I felt significantly rushed to leave the store during the original purchase because it was right before closing time so they could close, which I feel contributed to these issues. I previously provided photos of the receipts for this claim. If those are no longer visible, please let me know and I will attempt to locate them or provide additional bank statements. Here are photos of the boots in the condition they were at time of return. Thank you for your assistance in investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
We changed our insurance company, and received a refund from the former insurance company. We used these funds to make a payment to our Escrow account, but that payment was misapplied to the mortgage instead, then corrected later. But for some reason that error has snowballed into dozens of additional transactions on the mortgage account that even a customer service representative at TruHome ( the third-party loan servicing company for XXXX XXXX ) can not make sense of. None of this was authorized by us or even communicated with us, and TruHome is not forthcoming with any assistance that would help us to understand it. I can only conclude that the company is either fraudulent or wildly incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am filing a complaint regarding an alleged collection debt of approximately {$1100.00} being reported and/or collected by ConServe. I do not recognize or have clear information about what this debt is for. I have disputed this debt multiple times and specifically requested validation and documentation from the original creditor to verify that I owe the debt and to provide details supporting the balance. Despite my repeated disputes and requests, ConServe has not provided sufficient validation or supporting documentation, yet has continued to deny my disputes and proceed with collection activity. I am concerned the debt is being collected without proper verification or adequate proof that I am responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I was misinformed and lied to and not fully disclosed of their intentions with me when the young lady XXXX reached out about this bill of exchange I specifically told this young lady I did not want to do busy with them if they were not going to honor the bill of exchange she explained to me to continue to go down to open the account and said there is no reason they should not be able to honor the bill exchange even after pacifically making sure she knew I did not want to do business unless they were so to make that comment to me that was saying she was going on honor the bill of exchange Now I'm being told it can't be honored because its not the equivalent of money which is not a proper form of money which is also a lie it's equivalent to cash its cash that's not even real only gold and silver is real so I want the bill of exchange return if they're not going to honor it I did not receive that back I only received the authorization form and if they proceed to cash it I did not receive any funds from it so it is not an honorable bill of Exchange Or authorized by me at this point because I never received any benefits from it ever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: GA

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
I opened a new checking account with Truist in XX/XX/XXXX based on a promotional bonus offer. I followed all stated requirements, including using the promotional link/code during application, completing more than XXXX debit card transactions, and setting up qualifying payroll direct deposit exceeding the required amount. I completed all qualifying transactions well within the required XXXX window and have kept my account active since opening. Today, XX/XX/XXXX, I contacted Truist regarding the missing bonus. I was informed that there is either no promotional code associated with my account or that the code used was expired, and I was asked to provide a saved promo code as proof. I did not retain a separate record of the code, as it was entered during the online application process. I believe I met all eligibility requirements and request a review of my account activity and the original promotional terms to determine my qualification for the bonus.

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 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX our vehicle was repossessed by Santander XXXX XXXX. Despite multiple attempts prior to remedy late payments and contacting us outside of OUR availability, they decided to place our car up for repossession. On XX/XX/XXXX a payment of {$200.00} was made to the account. This was a payment agreement between us and Santander to keep the car out of reassignment. The manager did mention the payment did take the car out of repossession, but despite that payment and lack of communication, the car was subsequently reassigned and repossessed within following week and taken 8 days later. Once on the phone with the representative, we were transparent about our financial hardships, and legal troubles with our home, but that didnt remedy anything or help set up any type of financial arrangement. The account sat at {$980.00} due XX/XX/XXXX, not including fees. On XX/XX/XXXX, I called Santander to discuss payment/ financial options and to reinstate. I mentioned the Right to Cure and not having any physical notices about getting our car back, the company holding the car, or anything having to do with the repossession itself. In the past we have received a notice with all the information needed to get the car back, but information was inaccurate and overly inconsistent with what was discussed prior. Because of this they were willing and able to reduce the account and it helped us get back in our car. After mentioning this the representative did not help and said A notice is not required to be sent, you will have to contact us for further information or assistance with and about the car. Something that is untrue and a blatant lie. I feel this is a tactic. Weve had plenty of documentation regarding our car the last time it was repossessed ; granted it was incorrect. The account now sits at {$1800.00} and Santander wants the full payment of {$1500.00} to get the vehicle back in our possession. The remaining amount on the loan is {$4200.00} and Santander refuses to just work with us in removing repossession fees or just sending us the documentation we need to see about getting our car back. Weve called on several different occasions, spoke with several departments, none of which were any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I used Affirm to finance a purchase from XXXX XXXX totaling over {$270.00}. The package was marked as delivered by the carrier, XXXX ; however, the delivery confirmation shows the item left in a shared, unsecured lobby area of my residential building. I never received the package and did not take possession of the goods. I've disputed the charge off with Affirm several times and they will side with XXXX XXXX. My dispute was denied, and I am still being held responsible for the loan balance. I contacted the carrier, XXXX, and was informed that only the merchant can initiate a claim. I then contacted XXXX XXXX, and they refused to file a claim or provide a refund, stating that I did not purchase a protection plan. As a result, I am being held financially responsible for merchandise that was never delivered to me. Delivery to a shared lobby does not constitute confirmed receipt by the customer.

Company response to consumer: Closed with explanation