vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
b'This is a formal dispute regarding an unauthorized XXXX balance (XXXX XXXX XXXX XXXX XXXX XXXX currently being reported by Harris & Harris Ltd.\n\nTECHNICAL BASIS: These charges resulted from a security vulnerability in Spectrums "Instant Upgrade" UI, which allows unauthorized third-party guests at a rental property to add recurring monthly liabilities without a password, PIN, or MFA challenge. As a software engineer, I have identified this as a critical failure of Identity and Access Management (IAM) designed to facilitate "Cramming" (unauthorized billing).\n\nBANK ADJUDICATION: A financial institution has already investigated this matter and issued a legal chargeback in my favor, ruling that the transactions were unauthorized. XXXX is attempting to bypass a legal bank reversal by placing the debt into collections.\n\nREGULATORY INVESTIGATION: This matter is currently under formal investigation by the Federal Communications Commission (FCC Case XXXX) and the Texas Attorney General.\n\nDEBT COLLECTOR ADMISSION: On [Date], I contacted Harris & Harris Ltd. A representative verbally confirmed that the account is "closed" and is being "kicked back" to the original creditor (XXXX) due to the lack of verifiable authorization logs.\n\nFCRA VIOLATION: Despite admitting the debt is unverified and closing the file, Harris & Harris continues to report this inaccurate information on my XXXX credit report. Under the Fair Credit Reporting Act (FCRA), a furnisher must delete a tradeline if the information is found to be inaccurate or cannot be verified. Simply marking it "closed" while leaving the negative mark on my report is a violation of federal law.\n\nI demand the immediate and total deletion of this tradeline from all credit bureaus (XXXX XXXX XXXX XXXX).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am reporting unauthorized and unrecognized use of my financial account. A loan appears on my Affirm account that I do not recognize and i don't recall authorization. I did not knowingly initiate or approve this transaction. I did not receive or benefit from it. I received an email notification but believed it to be a phishing attempt - I did not engage with this correspondence. I have reason to believe my personal information may have been compromised. I am requesting investigation into how this transaction was authorized along with removal of this account from my credit report if it can not be verified as knowingly authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DynaGen Lending, LLC
State: CO

Complaint narrative:
I received a call from DynaGen Lending claiming to be an affiliate of XXXX XXXX because that is who my loan is currently through. They are illegally saying they are affiliated with people 's lenders to gain trust when establishing a cold call. All while intentionally ignoring the DoNotCall list. This is a dirty unethical company and they need to lose their XXXX accredidation. They call from fake phone numbers in local area codes to try to get an answer and get around call blockers. When I informed the caller that he was violating the DoNotCall list he simply said, " well, I was able to call you. '' and laughed.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SLM CORPORATION
State: FL

Complaint narrative:
I am formally complaining about Sallie Mae Banks refusal to release my funds and their claim that I am not the rightful account owner. I have already provided all required documents, including my government ID, Social Security card, and notarized identity verification, as requested. Despite this, my access to my account is still being denied without clear justification. Sallie Mae has also stated they contacted someone with the same name as mine, which I believe has led to a mistaken identity error. Under the GrammLeachBliley Act ( GLBA ), financial institutions must protect and correctly handle customer personal information. I believe my information may have been mismanaged or incorrectly matched to another person. I request : Immediate verification of my identity Release of my funds. If this is not resolved quickly, I will escalate and pursue legal action if necessary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have shown credible proof that I was scammed by a person pretending to be a loan officer from a actual loan company ( XXXX ) but yet my dispute in appeal was denied even with credible evidence showing that i was deceived into sending money over cash app cash app denied my dispute and appeal even with the evidence that i've uploaded

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

Complaint narrative:
On XX/XX/XXXX, I initiated a dispute for a {$250.00} transaction with XXXX XXXX XXXX XXXX and uploaded documentation showing services were not rendered. On XX/XX/XXXX, the dispute was denied. That same day, I filed an appeal and submitted additional supporting documentation. On XXXX, I received multiple emails ( sent repeatedly ) stating my appeal was closed due to no response within three days. However, I did not receive any request for additional information. On XXXX, I contacted Cash App support and was told the email was generic, that my case was still open, and to ignore the closure notice. This conflicting information indicates inconsistent handling of my dispute and lack of clear communication, despite my timely submissions and compliance with all instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
On XX/XX/year> a XXXX XXXX XXXX sales rep came to my home and sold me an alarm system, At no point during the transaction did the rep disclose that a revolving credit card account in my name through Fortiva Retail Credit. The transaction receipt i was given describes only a special equal payment plan.. Financed through XXXX XXXX XXXX account - there was no mention of a credit card, a credit limit, or Fortiva retail credit anywhere in the document. I discovered this account is now reporting on both XXXX and XXXX credit files as a revolving credit card with a {$4000.00} limit and a {$3600.00} balance reflecting 92 % utilization. This is causing direct financial harm to my credit profile. I did not knowingly apply for or consent to a revolving credit card account. This entire transaction was deceptive and predatory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
YOUR COMPLAINT I was approved for the public public service loan. Forgiveness, my loan with with XXXX was payed in full on XXXX XXXX -- It was paid by XXXX XXXX XXXX XXXX who took over the loan after I was told by XXXX that I should apply for a loan Consultation - Which I never had to do BECAUSE I ONLY HAVE ONE LOAN After I did everything I was told then the public service loan forgiveness came through. I don't know where the money is because I never received it in my. I still have a bill with XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I lost my driver license and it was altered to a XXXX female how got an apartment under my name. I am a XXXX male that has never owned or rented under my name

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have an account with chime and every 2 weeks a portion of my check goes into the account every 2 weeks I transfer funds to my debit card XXXX for whatever reason the transfer went to a card XXXX I have never had this card or have any connection to this card. I have explained this multiple times and have asked them to look at my account and they can see every 2 weeks my normal routine they continue to deny my claim and I do not know what else to do that money belongs to me and I should receive a refund the amount was XXXX and it was XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CITIBANK, N.A.
State: FL

Complaint narrative:
We are XXXX professionals who also invest in real estate. XXXX of our properties in XXXX XXXX needed renovations, and we contracted with a team from XXXX, where we also have properties, to travel and provide those renovations. The renovations were performed from apx XX/XX/XXXX - XX/XX/XXXX with very poor, substandard workmanship, as well as violating several terms of the renovation contracts. The XXXX admitted fault, as well as poor supervision of his team, but was unwilling to fix or reverse the appropriate amount of charges ( {$7500.00} ) so we could remediate with another team. We filed a dispute with Citibank for XXXX charges totaling {$7500.00} shortly after the work was completed, after inspecting the work during XX/XX/XXXX with a reputable property management company, and reaching out to the XXXX for resolution as discussed above. Citibank was provided with a detailed timeline, contracts, photo and video evidence of the deficient workmanship, and an affidavit by the property management company confirming their findings in support of our claim. Over the next several months, Citibank sent us multiple emails asking us the same basic questions which we answered over and over again. The denied the claim once, we called and asked why to which they had no answer, so we reopened and again provided all the info they asked. We asked if the XXXX had disputed or provided any rebuttal at any time, the answer was no. We spoke XXXX times ( dates, times, and individuals available if needed ) to dispute XXXX, XXXX, etc... but seemed to get nowhere, they said they were in an " arbitration process '' with XXXX but would not elaborate. Eventually, the claim was denied XX/XX/XXXX on the grounds that it " timed out. '' A call to a XXXX XXXX XXXX resulted in the explanation that his team doesn't understand construction/renovation, and there was nothing more they could do. I asked to speak to his XXXX, which was denied. I asked that they reverse the charges given that we had fulfilled our part of proving " services not rendered as promised, '' as detailed in the cardmember agreement and dispute process. He said all they could offer us was {$250.00}.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
I traded this lease in to XXXX they paid the remaining payments to Toyota a balance of XXXX appears on my credit report no attempt to collect this debt has been made by Toyota since the return of the lease back in 2020 I tried to contact Toyota and was unsuccessful the phone number keeps cutting me off this balance is incorrect they need to omit this balance, if this balance was valid why haven't they pursued to collect this no attempt to collect this amount has been made by Toyota or a collection agency it is now six years since this lease ended. this debt is not valid I need this off my credit report and considered closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding a payment made to a debt collection agency, InDebted, which has failed to properly apply my payment and update my account status. On XX/XX/XXXX at XXXX XXXX ( EST ), I made a payment in the amount of {$520.00} via bank account to InDebted to resolve multiple collection accounts associated with Klarna ( accounts ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I received email confirmation that the payment was successfully processed. Despite this, the accounts have not been updated to reflect a paid-in-full status. Additionally, XXXX is currently reporting a remaining balance of {$340.00}, which indicates that the payment was either not properly applied or that an incorrect amount was collected. I have attempted to resolve this issue directly with InDebted and have given them ample time to correct the error. However, they have failed to provide a clear accounting of how my payment was applied, have not updated the account status, and continue to delay resolution. This raises serious concerns regarding : * Failure to properly apply consumer payments * Inaccurate reporting of account status * Potential overcollection of funds I am requesting that InDebted : XXXX. Provide a full accounting of how my {$520.00} payment was applied ; XXXX. Immediately update all accounts to reflect a XXXX balance and paid-in-full status ; XXXX. Correct any inaccurate reporting to all credit bureaus ; and XXXX. Refund any overpayment or provide a clear explanation reconciling the discrepancy. I have retained documentation of payment confirmation and all communications and am prepared to provide supporting evidence upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: KY

Complaint narrative:
I am filing this complaint against Autopay ( autopay.com ) regarding deceptive lending practices during an auto loan refinancing transaction. I was initially presented with a prequalification offer of 4.80 % APR for 72 months at {$400.00} per month on a loan amount of {$25000.00} on XX/XX/year>. Based on this offer, I authorized Autopay to perform a hard credit inquiry on my account. Following the hard credit pull, Autopay significantly changed the terms of the offer without explanation on XX/XX/year>. The new offer presented was 7.49 % APR for 75 months at {$450.00} per month an increase of 2.69 percentage points from the prequalified rate. The refinance would have provided no financial benefit whatsoever. When I questioned the change in rate, the Autopay representative used high-pressure sales tactics, stating that 7.49 % was the lowest rate I would qualify for and pressuring me to accept the offer immediately or else any future inquiries about a refinance loan from any other companies would be declined immediately. When I requested that loan documents be sent to me for review prior to making a decision, Autopay refused to provide any written documentation. From my basic understanding, refusal to provide loan documents for review prior to signing may constitute a violation of the Truth in Lending Act ( TILA ), which requires clear written disclosure of loan terms before a consumer enters into a credit agreement. I am requesting that the CFPB investigate Autopay 's prequalification and rate change practices, as this pattern of presenting favorable rates to obtain hard credit inquiries and then delivering significantly worse terms appears designed to pressure consumers into accepting unfavorable loan agreements. I have not signed any agreement with Autopay and have rejected their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XXXX XXXX XXXX, my account was charged XXXX by mistake by a charity organization that I have had a long standing relationship with. The charity organization immediately reversed the charge. It appeared on my checking account as a charge and then a reversal. ( which now is no where to be found on my account ). I was then charged the correct amount of XXXX along with a {$4.00} service fee. Immediately my account was then charged an additional {$720.00} which can not be explained by anyone at Wells Fargo. I have been in touch with Wells Fargo everyday with no explanations of the transactions. I have been given a plethora of answers with no one telling me the same thing. I was told I needed to file a dispute which I did. It is now XXXX XXXX XXXX and my account still has a hold of {$720.00} with again no explanation. Just many rude, condescending bankers who speak in circles and give no real answers. I can provide names and dates if needed.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
I am disputing a rental debt that is currently being collected and reported to the credit bureaus. The documentation provided in response to my prior dispute consists of a generic lease agreement and a move-out inspection that I did not sign. The inspection is signed only by the other tenant who remained in the property after I vacated, and therefore does not establish my responsibility for any alleged damages or charges. I was initially listed as a tenant on the lease ; however, upon my separation from XXXX XXXX military service, I provided official documentation directly to the housing office, including my orders, XXXX, and a statement of service. These documents were provided at the request of housing staff and were used to facilitate the transition of lease responsibility to the remaining tenant. I also communicated my relocation out of state at that time. In addition, XXXX XXXX XXXX issued a Stop Pay notice reflecting the termination of my financial responsibility as of XX/XX/year>. This action demonstrates that the housing office acknowledged my separation and adjusted the account accordingly. Their acceptance of my documentation and subsequent administrative actions are consistent with termination of my lease obligations under military housing policies and the Servicemembers Civil Relief Act ( SCRA ). Despite this, I am now being held individually responsible for charges that appear to have been incurred after I vacated the property and after the remaining tenant continued occupancy. The documentation provided does not establish that I remained liable for those charges, nor does it demonstrate that proper procedures were followed to maintain or reassign liability after my separation. Furthermore, I submitted a follow-up dispute outlining these issues, but I did not receive a meaningful response addressing the substance of my claims. The account has also not been consistently reported as disputed to all credit bureaus, which raises additional concerns regarding the accuracy and completeness of the reporting. Based on the above, I dispute the validity and accuracy of this debt. The available documentation does not sufficiently establish my individual liability for the full balance, particularly for charges incurred after my separation and documented release from financial responsibility. I request that this account be corrected or removed, or that sufficient documentation be provided demonstrating my legal obligation for the reported balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX offer ( expiring on XX/XX/XXXX ) was emailed to me : " You may designate up to 50 % of your credit card line ( {$100.00} minimum ) in credit card purchases and split purchases into equal monthly payments and pay no interest for up to 6 months ''. Purchase was made for {$2300.00} on XX/XX/XXXX ( auto repairs ). On XX/XX/XXXX logged into my account, clicked on XXXX. It says : THIS ACCOUNT ISN '' T ELIGIBLE TO USE XXXX Called ELAN customer service, was told by XXXX that purchase is eligible, but she can't fix it so transferred me to the " Specialist ''. XXXX told me that I shouldn't be reading UP TO 50 % but read it as OVER 50 % of my credit limit, which is {$15000.00} in order to get XXXX. I disagreed with XXXX and was transferred to " Supervisor ''. XXXX bluntly told me that what it says doesn't matter, and there is a list of " eligible purchases '' that he doesn't have and can not provide. This company baits consumers in with misleading ads to make large purchases promising 6 months 0 % plan in order to force them into high interest payments once purchase is " not approved '' without any logical explanation.

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