vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX for {$130.00} through a merchant that uses Affirm as its buy-now, pay-later financing service. Upon receiving the product, I discovered it was completely defective, the XXXX was entirely dried out despite being sold as a XXXX XXXX, and there were XXXX punctures near the applicator tip suggesting damage occurred prior to or during delivery. The product was completely unusable. I contacted the merchant through their website contact form on XX/XX/XXXX, within their stated XXXX hour contact window. I received no response. I followed up with a direct email to the merchant on XX/XX/XXXX. Again, I received no response. The merchant ignored both attempts entirely. I then filed a dispute with my bank, providing the full timeline and evidence. My bank reviewed the matter and ruled in my favor. I filed the same dispute with Affirm, providing identical information, and Affirm ruled against me, holding me financially responsible for the {$130.00}. Affirm has not provided me with a clear explanation of how they arrived at their decision. I have no idea how their ruling was made or what evidence they based it on. I can only assume it may have something to do with the merchant 's return policy, which states items must be unopened to qualify for an exchange. However, it is impossible to determine that a liquid serum is dried out and defective without opening it. This policy, as applied here, allows a merchant to sell a damaged product and face XXXX accountability simply because the defect can not be discovered without opening the item. The merchant never responded to either of my contact attempts, never offered a resolution, and Affirm sided with them regardless. My bank reviewed the exact same facts and reached the opposite conclusion. I am now being required to pay {$130.00} for a product that was defective on arrival, despite acting quickly and in good faith to resolve the matter through every available channel. I want to make clear that I am a financially responsible person. I have no late payments, no collections, and no history of disputing charges irresponsibly. This is not a situation where I am trying to avoid a legitimate debt, this is a situation where I am being asked to pay for a product that was broken upon arrival and a merchant who refused to respond to me twice. Despite my clean financial history, Affirm is now threatening to send this balance to collections if it is not paid. That threat feels deeply unfair and disproportionate given the circumstances. I genuinely feel that had I paid through my bank directly instead of using Affirm, I would have had far greater consumer protections available to me. This experience has made clear that Affirm 's dispute process does not protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
i have an POS platform wich is called XXXX with Chase bank, the agent that sold me this solution told me that my payments will be handled properly and be reflected by the next day. I told the agent that sold me this solution that my business is a Wholesale women clothing business in XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ) My customers are mainly people who are actually foreign people with stores oversees, therefore, i need a platform in wich i had some constant cashflow. Right now we are on a big holiday in this industry, wich is mothers day, teachers day and stundents day, the whole month of may will be seen as a big holiday season, thats why we have those kind of transactions ( between {$250.00} and {$3000.00} per transaction ). And right now i am facing a really annoying situation with some holdings on transactions, and the bank its not clear with those holdings, i submitted an Appeal because they requested me to make refunds for about XXXX transaction ( for the days XX/XX/XXXX and XX/XX/XXXX ) i alredy sent some information about all those transactions, and i am not be able to do the refunds because all the merchandise i provide are sent to the actual customers packing services or the customers picked up the goods. i just want to solve this issue in the best way possible, but i am not be able to do the refunds that the bank insistenly request, but i sent all the information that the bank request about every single transaction made in those days. please help me to reach the department of quickaccess on chase and solve this situation. the case ID for this issue is CASE ID [ XXXX ] thanks. XXXX XXXX XXXX XXXX garments management team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I fell on hard times and a personal loan I took out with one main financial fell into delinquency. Since I fell on the hard time they contact me through email text message and multiple phone calls through out the day. They call upwards towards XXXX times a day with multiple phone numbers the only day they do not call is on Sunday. But they sometimes call XXXX times with in an hour. All the calls, texts and emails are on my mobile device. I do plan on mating my debt I just cant do it right now and now that they are threatening with a charge-off at the end of the month I will just have to pay it off with whom ever gets that debt. I just cant do anything about the debt at the moment but they do harass the consumer to no end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I recently reviewed my credit report, and noticed I have been a victim to identity theft. This is hurting me and my family, as we are looking for a home. Please removed the following account!

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IA

Complaint narrative:
Someone used my business credit card without my knowledge and US BANK is not willing to reimburse me for them. They sent me a letter dated XX/XX/year>

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 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I applied for the buyback program XX/XX/year>. I spoke to representatives on the phone and through the chat feature that told me I would have an offer within 45 days. This has not happened and now I see that the conditions of loans possibly being taxable have changed. Even if 45 days had passed, my loan forgiveness as a result of the buyback program should have been before the end of XXXX. With XXXX children and a commitment to XXXX XXXX, I am concerned. I am reaching out to yet another entity to see if I can get some assistance with an update on my loans. Any assistance would be appreciated. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
I am writing to formally request that you cease all communication regarding the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me. Please be advised that I dispute the validity of the debt you are attempting to collect. I request that you provide me with verification of the debt as required by law. Until you provide such validation, please do not contact me further regarding this matter. Any attempts to collect on this debt, whether by phone, mail, or any other means, will be considered harassment and may result in legal action against your agency. Thank you for your attention to this matter. I expect no further communication from your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Consumer : XXXX XXXX XXXX Company Complained About : Jefferson Capital Systems LLC Complaint Details : Jefferson Capital Systems LLC is reporting a collection account on my XXXX credit report ( account ending XXXX ) with a reported balance of approximately {$1100.00}. I dispute the completeness and verifiability of this reporting. Jefferson Capital has not provided : Proof of ownership of the alleged debt ; Documentation linking me to the original obligation ; Itemized balance calculations ; A complete assignment history. Debt buyers and collection agencies must report with maximum possible accuracy. Furnishing collection information without documentary support creates substantial consumer harm and may violate the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet and XXXX XXXX XXXX ( XXXX ) have a total reconciliation failure. My Nelnet statement from XX/XX/XXXX, shows a {$0.00} balance after {$10000.00} in payments were processed. However, XXXX sent a letter on XX/XX/XXXX, claiming I still owe {$10000.00} and have made XXXX payments. I am being threatened with wage garnishment for a debt that Nelnet 's own records show is cleared. I have filed disputes that were denied despite this documentation. I am requesting an immediate audit to correct my balance to {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
IM A VICTIM OF IDENTITY THEFT. THERE HAVE BEEN SEVERAL ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME AND THAT I DID NOT AUTHORIZE. I HAVE BEEN CONTACTED A TREMENDOUS AMOUNT OF TIME BY CREDITORS THAT I HAVE NEVER PERSONALLY SIGNED ANY CONTRACTS OR AGREEMENTS WITH. THIS HAS AFFECTED MY LIFE AND FINANCES IN A EXTREMLY HARSH WAY. SANTANDER IS THE BIGGEST PROBLEM RIGHT NOW I CAN NOT LIVE A NORMAL LIFE WITH THIS FRAUFULENT ACCOUNT BEING ATTCHED TO MY CREDIT PROFILE. SANTANDER AMOUNT IS XXXX OPENED XX/XX/year>. I NEED THIS ACCOUNT REMOVED IMMEDIATELY I HAVE CONTACTED THE COMPANY I HAVE MADE POLICE REPORTS THIS IS A COMPLETE NIGHTMARE. I ALSO HAVE INQUIRES THAT DO NOT BELONG TO ME. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a fraudulent debt claim from Debt Collector XXXX XXXX XXXX with account number XXXX and Experian XXXX fraudulently and knowingly responded they verified and validated WITHOUT providing any prove and documents for the method they used in validation violating Title 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ). I asked for 1 ) Method of verification they used to validate the acuratcy and eligibility of report, 2 ) A description of procedure they used to validate the claim, 3 ) All documents they gathered during their " '' investigation '' '' that proved the negative item reporting accuracy. My last complain XXXX for XXXX XXXX and XXXX for Experian XXXX were not properly handled from CFPB. You have to fallow the law, because in this country nobody is above the law and we will request accountability.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
1st attempt - On XX/XX/year> they billed me for {$1400.00} ( a double bill ). My monthly mortgage payments are {$700.00} due on the XXXX of the month. After being on the phone for several hours, I thought the issue was fixed. They took my payment of {$630.00} and placed it some place else. 2nd attempt- XX/XX/year> I got billed for {$1400.00}. This time they placed the payment of {$700.00} somewhere else again. I got it straightened out and some of the late fees waived. 3rd attempt- XX/XX/year> I got billed {$1400.00}. I called again and now it gets worst. After she checked, she figured I owed {$150.00} and some changed. For what? She said my {$700.00} payment that I sent was short by that much. When ai asked about where the money went she didnt know. I am so frustrated. Please be advised that I did have a bankruptcy but it was discharged about 12 years ago. This is the 3rd mortgage company. ( XXXX, XXXX XXXX and now Rocket Mortgage. My payments are sent from my credit union ( XXXX ) at the end of each month so its there by the XXXX. Also, I have all my documentation to show my payments and when they were sent. Please get them straightened out. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XX/XX/year>, I contacted Citibank regarding two credit card accounts associated with the Citi Platinum Select product. One account was my original card, and the second had recently been transferred from XXXX and converted into a Citibank account. During the call, I asked what options were available for the transferred account. The representative explained that I could either downgrade the card to a {$0.00} annual fee option or close the account. I clearly requested that the transferred ( XXXX ) card be downgraded to the {$0.00} annual fee option. However, the representative mistakenly downgraded my original Citibank card instead. Later that same day, after noticing the error, I contacted Citibank again to have the issue corrected. The customer service representative acknowledged the situation but stated that no action could be taken to reverse or fix the mistake, despite it being caused by Citibank. As a result, the wrong account was downgraded, and I was left without a resolution. I am requesting that the error be corrected by restoring my original card to its prior status and applying the downgrade to the correct ( transferred ) account as initially requested.

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 monetary relief
Consumer complaint received 2026-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX mishandling of my credit card account, inaccurate payoff information, failure to properly stop recurring charges, and the risk of damage to my credit despite my repeated good-faith efforts to resolve the matter. In XXXX, I allowed two individuals, XXXX and XXXX, to use my XXXX XXXX strictly for business marketing purposes. They used the account for unauthorized personal expenses. Once I discovered this, I immediately took responsibility and paid approximately {$7000.00} to bring the account current. In XX/XX/XXXX, I contacted XXXX, explained the situation, and was advised to place a freeze on the account. I relied on XXXX guidance and believed this would stop further charges and secure the account. In XX/XX/XXXX, I noticed additional charges. When I contacted XXXX again, I was informed that a freeze does not stop recurring charges. I specifically asked what amount was required to fully satisfy and close the account. I was told the balance was {$250.00}, which I paid immediately in reliance on that representation. Later, I discovered additional charges had continued. In XX/XX/XXXX, I was notified of new account activity and initiated a formal dispute regarding an {$84.00} XXXX XXXX charge. XXXX initially applied a temporary credit, then later reversed it after determining the merchant charge was valid. However, my complaint is not limited to whether the merchant charge was valid. My primary issue is XXXX servicing failures : Failure to properly explain how to stop recurring charges Failure to properly close or secure the account after my request Providing inaccurate payoff information ( {$250.00} ) Allowing additional charges after I followed their instructions Requiring more than 10 customer service calls without resolution Repeated long hold times, transfers, and disconnected calls XXXX is now claiming I owe approximately {$150.00} and I have been warned this may affect my credit. I acted in good faith, paid the account, followed XXXX instructions, and repeatedly tried to resolve this matter. I am requesting : Immediate removal of the remaining balance Reversal of improper post-closure charges No negative credit reporting Correction/removal of any negative reporting already made Full review of call recordings and account notes Written confirmation this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Good afternoon, CFPB, I hope you can assist me with an ongoing problem. To be completely honest, I dont recall the exact dates, but I had two bank accounts open in either XXXX or XXXXone with XXXX XXXX and the other with Bank of America . During that time, two fraudulent checks were deposited into both accounts : one at XXXX XXXX and one at Bank of America. I was able to resolve the issue with XXXX XXXX ; they were helpful in fixing the problem with the check. However, my experience with Bank of America was completely different. Despite multiple attempts to call them, I was repeatedly hung up on, and I was denied access to their app. As a result, I had no way to notify Bank of America that those deposits were not made by me. They could have conducted a proper investigation and reviewed the security footage to confirm that I was not the person who deposited those checks. I have no idea how someone obtained my debit card information and PIN, but the situation is affecting my ability to open a new bank account. Thank you for your attention to this matter.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United PanAm Financial Corp.
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: River Heights Capital LLC
State: VA

Complaint narrative:
I found out that I was being sued for {$7000.00} when I checked my bank account one night and it was minus that amount. I had not heard anything from the creditor at all prior to this. I got the number from the bank for River Heights Capital but it was the wrong one so I spent a few days calling the wrong number and getting a busy signal pr it ringing and then hanging up. I found the correct number for River Heights Capital on the internet and called. The woman said she didn't have any record of my case and to call the lawyer XXXX, XXXX, XXXX XXXX. I called and called. Eventually someone called me back. I called them back. I was told that XXXX was the company I originally had the debt with. The debt is over 20 years old. The first case against me for it was 18 years ago. I informed the lawyer, XXXX, that the money they were holding in my bank account was not extra assets but my pay from selling items online and I didn't make nearly enough for it to qualify for garnishment. All the money in my bank account is from pay from that. He told me I needed to call River Heights Capital because he couldn't do anything. So I did and was told to call the law firm. All I have in my bank is my pay. That is it. I need it to help pay for food and bills. If it wasn't for my partner, I would be homeless. They are taking my funds illegally. I was not contacted about this debt being sold off to this company or that they were going to pursue a lawsuit and garnishment before it happened.

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