vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
I made one furniture at XXXX XXXX XXXXXXXX and they offered 24 months No Interest. So I set up XXXX in the amount of {$500.00} to be deducted from my checking account every month with the credit servicing company XXXX. From XX/XX/XXXX through XX/XX/XXXX, XXXX successfully withdrew 18 payments in the amount of {$500.00} each payment as scheduled in the XXXX. At this point, my remaining balance was only {$2500.00}. In late XXXX of XXXX, Imprint ( new credit servicing company ) took over XXXX. During this transition, they missed my XXXX for the month of XXXX XXXX. ( I was not aware of this until much later ). However, on XX/XX/XXXX they successfully deducted {$500.00} from my checking account ( XXXX ), and all the following months up to XX/XX/XXXX. At this point, I had a principal balance of {$460.00}. However, on XX/XX/XXXX statement, it shows a {$4800.00} Interest Charges ONLY on XX/XX/XXXX. A {$460.00} balance became {$4800.00} in only 1 month time. No additional purchases were made since the original furniture purchase. I believe what this credit card company is doing is trying to charge me for deferred interest which is completely unfair. I've made all my payments with the exception 1 month missed in XXXX XXXX which is not my fault. It was during their transition which cause my missed payment that i had on XXXX. I've called Imprint multiple times ( 3 times ) and each time spent XXXX hours on the phone. They told me that a manager or specialist would look into this and correct the issue and email me. It's been several weeks and at this point I am convinced that they are not going to do anything at all. They were just spinning my wheels and I had no place else to turn. I'm hoping that going this route will help me get this resolved. My principal has been paid in full at this point.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
XXXX XXXX switched from XXXX XXXX to Imprint cards. Since changing the rewards program changed and no longer is to my advantage. Since I no longer will use this account I wanted to close it. I tried closing it online not able too. I called the customer service line waited on hold for over 1 hour to have an automated service come on and say " sorry no agents available call back later '' and disconnected me. I called back and tried to use the virtual assistant to cancel, but again I was met with no resolution and when I asked for an agent the system told me there are no agents available to close my account.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: CA

Complaint narrative:
" Imprint '' took over the account for XXXX Credit card and sent me a letter saying that my card would become XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>2026 I called to close this account. The agent said he closed it and sent me a confirmation email. I never received that. I received another email on XX/XX/XXXX, saying my card was ready for use. I called again and the person assured me my account had been closed. I said I never received a confirmation. She sent me a very general confirmation over email with just a summary of the call saying " your account has been closed ''. It didn't list my name, account number, address or any identifying information. I asked for a written letter with identifying information confirming my account has been closed. They said they could not do that.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Clarity Debt Resolution, Inc
State: IN

Complaint narrative:
I paid off my XXXX account in XXXX XXXX XXXX. In XXXX and XXXX two payments for this account, that was already paid off, were paid without my authorization, in the amount of {$270.00}. I requested a refund for the over payments and was informed that the check was mailed back to Clarity on XXXX. I have yet to receive the refund nor have I recieved the Letter of Satisfaction. Again, this was paid off a year ago. My XXXX XXXX account was also paid off in XXXXXXXX XXXX. This account was over paid in the amount of {$60.00}. I called XXXX XXXX myself to get the Letter of Satisfaction from them. I was informed that the check from them would be recieved in 60 days. The overpayments amount to {$270.00}. XXXX refuses to release the Letter Of Satisfaction and will only release it to Clairty. There has yet to be a resolution for any of this. I have been back and fourth with Clarity several times to no avail.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
In XXXX, I received written notice from Imprint that my XXXX XXXX credit card from XXXX XXXX will be converted over to them and that there was nothing I needed to do on my end for the transition. On XX/XX/XXXX ( roughly ) I received a second letter to be on the lookout for my new XXXX XXXX card. Enclosed was the credit card terms and APR. On XX/XX/XXXX Imprint mailed me a physical XXXX XXXX XXXX Credit Card. An Imprint account was opened/transferred over in the app and I was allowed to add the card to XXXX XXXX . On XX/XX/XXXX my account was deleted without warning and I could no longer access it. My card did not work as advertised on XX/XX/XXXX ( the day the card was slated to begin ) When I tried to reapply, I was given an immediate rejection.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have made several calls over the years to discuss the inaccuracies and I now have it all documented and attaching files for your review to show duplication and fraud of not only my personal student loans but also My sons parent plus loans through Mohela. This complaint is going wide spread all parties including local state government. Additional information provided by consumer : XXXX Consumer would like this complaint sent out to XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
CFPB FEEDBACK RESPONSE XXXX COMPLAINT NO. XXXX I DO NOT ACCEPT XXXX response as satisfactory. XXXX issued a generic verified as accurate response without providing any substantive evidence, documentation, or explanation showing HOW the disputed information was verified as required under the Fair Credit Reporting Act ( FCRA ). XXXX failed to provide : * Copies of alleged applications or signed authorizations * Original contracts bearing my signature * IP logs or electronic authorization evidence * Detailed description of the reinvestigation process * Method of Verification ( MOV ) * Metro 2 compliance documentation * Proof of permissible purpose for inquiries * Documentary evidence from furnishers supporting accuracy XXXX merely repeated boilerplate language stating the furnishers verified the information. This does NOT satisfy the requirements of a reasonable reinvestigation under : * FCRA 611 ( 15 U.S.C. 1681i ) * FCRA 607 ( b ) Maximum Possible Accuracy * FCRA 604 Permissible Purpose * FCRA 605B Identity Theft Blocking Requirements I specifically disputed unauthorized inquiries and potentially fraudulent or unverifiable reporting resulting from identity theft and data integrity concerns. XXXX failed to demonstrate that it independently reviewed any evidence whatsoever. A furnisher simply responding verified is insufficient if XXXX : * Failed to review underlying documentation * Failed to investigate beyond automated systems such as e-OSCAR * Failed to confirm Metro 2 compliance * Failed to verify the existence of lawful authorization Additionally, XXXX did not address : * Potential Metro 2 reporting violations * Incomplete account-level investigations * Data breach concerns involving unauthorized account activity * Whether furnishers supplied actual documentary proof I continue to dispute : * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally requesting : 1. A complete Method of Verification 2. The name, address, and contact information of every furnisher contacted 3. Copies of all documentation relied upon during reinvestigation 4. Verification of Metro 2 compliance 5. Removal of any unverifiable inquiries or accounts 6. Reinvestigation consistent with FCRA requirements XXXX response appears to rely heavily upon automated procedures rather than a lawful and reasonable investigation supported by competent evidence. I request that CFPB maintain this complaint on record as disputed and unresolved. All rights reserved. XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: CCS Financial Services, Inc.
State: SC

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I keep getting harrassing emails and now text messages regarding this matter, I already reported it to the CFPB but clearly these collection people aren't taking this serious. I have been a victim ( still am ) of identiy theft since XXXX. All XXXX credit bureaus are frozen and have fraud alerts on ALL of them! I also just filed a report about this with the FTC!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harpeth Financial Services, LLC
State: TX

Complaint narrative:
I disputed this XXXX times from the credit bureaus site and I sent out dispute letters every XXXX days. I requested proof nothing has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing this complaint regarding an unauthorized XXXX installment obligation totaling {$3000.00} associated with my Cash App account. I did not authorize this loan or purchase. The balance remains active on my account despite repeatedly reporting it as unauthorized/fraudulent to Cash App support for approximately XXXX month. The obligation appears in installments of {$250.00}. Cash App support has provided conflicting responses regarding whether an active fraud investigation exists. At times, I was told the matter was escalated and assigned case number XXXX. Other responses stated they could not locate the dispute or investigation, even though the balance continues to appear on my account. I have repeatedly requested : confirmation that the unauthorized obligation has been frozen confirmation that I will not be held responsible confirmation that this will not impact my credit or collections and a clear timeline for resolution. Despite multiple chats and escalations, the matter remains unresolved. I am requesting that the company : XXXX remove the unauthorized obligation from my account, XXXX confirm in writing that I am not responsible for the debt, XXXX ensure the matter is not reported to collections or credit bureaus, XXXX and provide a formal resolution of the fraud investigation. I have retained screenshots, case numbers, and communications documenting the ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: DE

Complaint narrative:
Contacted XXXX XXXX regarding payments taking out of my account and I have not received the product requested to push date back tell I receive the product. I contacted multiple times regarding this issue also contacted Dental as well stated will not received the product until XXXX weeks. I now received the product item is not as description does not fit my teeth, the wire is sitting on the outside of my teeth. I reached out to after pay to request a refund multiple time and I keep getting the same store that someone will take care of it on the app the option for refund is blocked out so I can not summit a request on the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I had a problem with my former landlord target harassing me over my roomates actions constantly.To the point he threatened to evict me and held it over my head for a month to atrempt to bully me .So much so I left while the rent was still paid and even informed him I was leaving because of how they were treating me.They went silent and I didnt hear anything for two years.Suddenly I find out they threw XXXX out and are coming after me for a debt I clearly am not responsible for whether or not they want to admit it, they are in the wrong and trying to collect what I am assuming to be an extorted debt because of Alduous and Associates being involved.The manager never contacted me at all after I left and this is clearly a revenge debt by point management because they couldnt charge XXXX XXXX for it because he vanished from town afterwards. This debt belongs to XXXX XXXX, not me and I won't be intimidated by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I got stuck in a bad loan with American Credit acceptance company On a XXXX XXXX XXXX i made over {$45000.00} in payments and Im in default for {$7000.00} on penalties and stuff

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ameritan Group Services
State: TX

Complaint narrative:
They have shared my personal information with my employer. They continue to harass me after asked them to stop. Told me I have an unpaid balance with XXXX XXXX. However I sent them the email twice showing the balance was paid in full years ago. Left me a threatening voicemail mentioning my supervisor by name telling me they are going to contact him. They called me today discussing the paid loan from XXXX XXXX with a another loan company XXXX XXXX. The two company are not related. I asked several times for them not to contact me at work. I can't be on personal calls but they continue to harass me for a paid balance that was processed years ago. I provided proof twice. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Asset Recovery Solutions, LLC
State: IL

Complaint narrative:
They told me that if I didn't pay they would send me with a lawyer, and he didn't answer my questions, and I have the recording where I ask him who they were and that they identified themselves

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing a collection account being reported by XXXX XXXX on my credit report. Account Information : - Collection Agency : XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX - Reported Balance : {$980.00} - Account Type : Collection Account I am requesting a full investigation and validation of this alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Please provide : - Proof that this debt belongs to me- Complete account documentation and itemized billing - Verification of the reported balance - Proof that XXXX XXXX has the legal authority to collect this debt - Verification that all information reported to XXXX XXXX and XXXX is accurate and complete At this time, I dispute the accuracy and validity of this account. If proper verification can not be provided, I request immediate deletion of this account from all credit reporting agencies. This account is negatively impacting my credit profile, and I expect this matter to be investigated promptly and corrected in accordance with federal law. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC
State: TX

Complaint narrative:
This company credit reported a debt that I have no record of having. I have not been contacted by the said company so I don't even fully know what the debt is for. I disputed on experian. The only thing I have ever received ( and not from them ) saying it was a final notice was from a hospital and I sent screen shots ( to XXXX ) of those payments. I should not have any debts. The fact that this was credit reported without contacting me is completely unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Accounts, Inc.
State: ID

Complaint narrative:
Date of Incident : XX/XX/year> Business Name : Automated Accounts, Inc. ( XXXX, XXXX ) Consumer Location : Idaho Amount : {$970.00} Details of the Violation : Today, XX/XX/year>, I spoke with a live agent at Automated Accounts , Inc. regarding a debt they are collecting. I explicitly questioned the interest charges being applied to this account. The agent informed me directly over the phone that the company applies a 1 % daily interest charge to the balance.A 1 % daily interest charge compounds to an annual percentage rate ( APR ) of 365 % .I am filing this complaint because this practice is highly unlawful under XXXX state law, XXXX state law, and federal law : XXXX RCW 19.52.020 strictly limits the legal maximum interest rate on a consumer debt to 12 % per year.XXXX RCW 19.16.250 ( Collection Agency Act ) explicitly prohibits a licensed collection agency from demanding or collecting any unauthorized or illegal fees.Federal FDCPA ( 15 U.S.C . 1692e ) strictly forbids debt collectors from misrepresenting the true amount, character, or legal status of a debt.I request that the State of XXXX investigate Automated Accounts , Inc. for using illegal, predatory interest rate threats to coerce consumers over the phone. I demand that they completely audit this agency 's phone records and account notes for today, XX/XX/year>, to verify this illegal behavior.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On Sunday XXXX XXXX bankofamerica closed my account with no warning or information. I tried to sign in my account to pay a bill and was told my account was closed due to a business decision. I contacted customer service and they had no knowledge as to why it was flagged. I also went to a personal banker at a branch nearby and she also couldnt give me any information. This was a joint account with my grandfather who just suffered a XXXX and his XXXX capacity is not at its full potenetial at the moment and for me to now get a new bankaccount and have to set him one up too is very inconvenient especially after being a loyal customer for 16 years. I am a XXXX and I do make random deposits of cash also XXXX, not sure if that was a reason but I'd really like my account to be re-evaluated to see if there was a mistake.

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 2026-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Axiom Acquisition Ventures, LLC
State: PA

Complaint narrative:
My sister received a phone call on XX/XX/year> around XXXX from phone number XXXX. Stating they were looking for me to pay an outstanding debt I owed to XXXX and if I didnt pay I was going to be sued. Ive never spoken to these people before, nor have I received a phone call from them about this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation