vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to address an issue concerning incorrect information reported on my credit report by CELTIC BANK/CONTFINCO. The account in question is listed with the last XXXX digits XXXX, showing a status of XXXX XXXX and a balance of {$0.00}. This erroneous information is being reported on my XXXX credit report. This account was settled in full, and there should be no negative remarks or charge-off status associated with it. I have previously filed disputes regarding this issue on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but unfortunately, the incorrect information persists. Each time, I have utilized the disputing tools provided by the credit bureaus, yet CELTIC BANK/CONTFINCO continues to verify this inaccurate status. The Fair Credit Reporting Act ( FCRA ) mandates that information reported to credit bureaus be accurate and complete. The continued reporting of this charge-off status is a violation of my rights under the FCRA, as it misrepresents my creditworthiness and adversely affects my XXXX XXXX, which currently stands at XXXX with XXXX XXXX with XXXX, and XXXX with XXXX This misreporting has caused me undue stress and potential financial harm, as it inaccurately reflects my credit history and could impact my ability to secure loans or favorable credit terms in the future. Each dispute I filed was met with an inadequate response, and the erroneous information remains, despite my efforts to rectify the situation. I am requesting that CELTIC BANK/CONTFINCO XXXX XXXX this matter and, in compliance with the FCRA, XXXX the incorrect charge-off status from my credit report with all three major credit reporting agenciesXXXX XXXX XXXX XXXX. I expect confirmation of these corrections and an apology for the oversight.

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: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding improper billing and collections activity related to a XXXX XXXX ( XXXX ) processed through XXXX specialty pharmacy. In XXXX XXXX failed to properly apply a manufacturer copay assistance program ( XXXX XXXX through XXXX ) to my claims. As a result, I was incorrectly billed approximately {$10000.00}. Instead of correcting this billing error, XXXX sent the balance to collections. I have since been told they can not correct the issue because it is already in collections, which is unacceptable given that the balance resulted from their failure to process the copay assistance program correctly. I am currently working with XXXX, who has indicated that the copay assistance program should have been applied. I am requesting : - XXXX recall of the account from collections - Proper reprocessing of all affected claims with copay assistance applied - Removal of any negative credit reporting related to this invalid balance This situation has caused significant stress and financial concern due to a clear billing error that has not been properly addressed. I am requesting prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: IA

Complaint narrative:
I am filing a complaint regarding an Affirm loan that has been charged off for an item I never received. The loan ( ID : XXXX ) is for {$340.00} and is tied to a purchase that was never delivered to me. I have been disputing this issue since approximately XX/XX/year>. I immediately raised concerns after realizing the package was not received. Since then, I have made multiple attempts to resolve this issue with Affirm and requested proof of delivery. Specifically, I asked for verifiable documentation such as XXXX delivery confirmation, a delivery photo, or a signature. Affirm has not provided any valid proof that the item was delivered to me. Despite the lack of evidence, Affirm has continued to hold me responsible for the balance and has now charged off the loan after XXXX days. I do not believe this is accurate or fair, as I should not be responsible for paying for merchandise that I never received. I am requesting the following : - A full and documented investigation into the delivery of this order - Valid proof of delivery - Removal of the charge-off from my account - Correction of any negative credit reporting related to this account If Affirm can not provide sufficient proof that the item was delivered to me, this debt should be considered invalid and removed. This situation has caused ongoing stress and concern regarding my credit, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I need to correct the amount in my previous complaintthe total transaction was {$680.00}, not {$400.00}. This does not change the situation : I was manipulated into canceling my dispute as part of a scam and never received the item. I was scammed through a payment sent on XXXX for {$680.00} for a XXXX XXXX I selected XXXX XXXX at the time of payment. When I became suspicious, I opened a dispute. The seller then instructed me to cancel the dispute, falsely claiming it was necessary to release the funds and complete the transaction. After I canceled the dispute, the seller immediately blocked me and never sent the item. XXXX is refusing to assist me, stating that I canceled the dispute voluntarily. However, I did so based on deceptive instructions from the seller as part of a scam. Why Im complaining : I believe this situation falls under fraud and social engineering. XXXX XXXX should reasonably apply, as I never received the item and was manipulated into canceling the dispute. What I want : A review of the transaction and reimbursement of the {$680.00}, or a clear explanation of why XXXX XXXX does not apply in cases of documented scams involving deception.

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 was result of identity theft
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year> I woke up to my Cash App account closed without reasoning. When I reached out to Cash App this is the response I received. This is XXXX from Cash App email support. Thanks for contacting us today, thanks for your patience during the delay. We understand your concern about having your account closed, we know how important it is for you to resolve this situation, let me review your case details. We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service XXXX XXXX XXXX XXXX XXXX As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. Prior to receiving this message I hadnt sent or received any payment from anyone to have had my account closed and when asked what term in the agreement I violated Im told that they will not tell me what exact term was violated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
This is not my account filed claims repeated times Police reports identity thefts reports ftc reports in all forms wish for this to be removed from my credit file and wish for my credit to be back in good terms

Company response to consumer: Untimely response
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: OH

Complaint narrative:
I froze my XXXX credit card account on XX/XX/XXXX using the XXXX XXXX feature specifically to prevent any further spending. XXXX published policy states that when an account is frozen, new purchases will not be authorized, with limited exceptions such as recurring charges or previously authorized transactions. After the freeze was placed, multiple transactions were still approved and posted to my account. These transactions were not recurring subscriptions. They were individual purchases with different dollar amounts, irregular timing, and required new authorizations, including transactions from merchants such as XXXX, XXXX, XXXX, and others. I disputed these charges with XXXX and provided a complete transaction list. XXXX repeatedly treated the issue as individual merchant disputes and did not address the core issue that their system allowed new purchases after the account was frozen. I escalated the matter multiple times : * Filed disputes for the transactions * Submitted XXXX escalation requests * Sent a certified letter to XXXX XXXX XXXX on XX/XX/XXXX Despite these efforts, I have not received a substantive response addressing why XXXX XXXX XXXX feature failed to block new purchases. When I contacted XXXX by phone, I was told that the freeze does not stop re-acquiring charges. However, the transactions in question were not recurring or preauthorized charges, as they involved varying amounts and separate purchase events. This issue is not a merchant dispute. It is a failure of XXXX account control feature to function as described. I am requesting : XXXX. Reversal of all non-recurring charges made after XX/XX/XXXX XXXX. Reversal of all related interest and fees XXXX. A written explanation of how these transactions were authorized despite the account being frozen XXXX has failed to resolve this issue despite multiple attempts to address it directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter. If you can not provide verifiable evidence that this account is accurate, complete, and properly attributable to me, you are required under federal law to cease reporting this account and request its deletion from all credit reporting agencies to which you have furnished data. Please provide the following : Documentation bearing my signature that proves I have a contractual obligation for this debt Complete account history, including the original creditor and chain of assignment Proof that the information reported complies with FCRA accuracy requirements If your investigation determines that the information can not be verified, I expect immediate deletion of this account from my credit file. Please note that failure to comply with the FCRA may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under federal law. I request that all correspondence regarding this matter be sent to the address listed above.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am disputing a collection account being collected and reported by Caine & Weiner XXXX XXXX XXXX relating to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had a month-to-month XXXX XXXX for my XXXX. My records show that I began the membership on or about XX/XX/XXXX. My last wellness-plan payment was made on XX/XX/XXXX, and based on my records I believe the membership ended around late XXXX or early XX/XX/XXXX. Before this matter went to collections, I never received billing statements, delinquency notices, or formal written collection attempts from XXXX regarding this alleged balance. After I disputed the debt, Caine & Weiner sent me a XXXX invoice dated XX/XX/XXXX. However, the documents they provided do not validate the debt and instead contain multiple inconsistencies. Caine & Weiner states that it is attempting to collect {$290.00}. The XXXX invoice they provided shows total charges of {$730.00}, discounts of {$260.00}, and a resulting balance of {$470.00} on XXXX page. The second page of that same invoice appears to show a previous balance of - {$440.00} and a final amount due of {$27.00}. These amounts do not reconcile with each other or with the {$290.00} being collected and reported. In addition, the XX/XX/XXXX invoice reflects a XXXX XXXX XXXX discount even though my records show that my last XXXX payment was made on XX/XX/XXXX and I believe the XXXX ended around late XXXX or early XX/XX/XXXX. I therefore dispute whether that plan should have been active on XX/XX/XXXX. I also do not recognize the alleged XX/XX/XXXX visit as a legitimate unpaid visit of mine. I located my prior XXXX receipts, and the last receipted visit I have is XX/XX/XXXX, which I believe was the last time I brought my XXXX XXXX. The invoice provided by Caine & Weiner also lists the cashier as system, whereas my prior receipts list a cashier name. I understand that system alone may not prove the invoice is invalid, but it is another irregularity that adds to my concern that this documentation does not adequately substantiate the debt. I disputed this account with the credit bureaus, but XXXX XXXX XXXX continued reporting it as mine based on information from Caine & Weiner. XXXX also reported a date of first delinquency of XX/XX/XXXX, which is inconsistent with my records showing payments through XX/XX/XXXX. My concern is that the debt collector and furnisher are continuing to report and collect a debt that remains inaccurate, inconsistent, and unverifiable. The amount has not been properly reconciled, the delinquency timeline appears inconsistent with my records, and the documentation provided contains irregularities that have not been explained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding a {$20000.00} settlement check that was deposited into my Chase account but can not be fully accounted for, along with conflicting statements from the banks involved. Banks involved : XXXX Chase Bank, N.A. ( Chase ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of the issue I received a {$20000.00} settlement check issued in connection with a resolved claim. I deposited the check into my Chase account. After I made the deposit, Chase froze my account and later closed it, stating that the check was fraudulent. I then requested documentation and a full trace of the check from both Chase and XXXX XXXX, including proof of deposit, clearing history, and any return item records. XXXX XXXX provided documentation indicating that the check was processed and that the funds were debited from its account, but were not returned. However, Chase has stated that it did not receive any funds and has not provided documentation confirming the final disposition of the check. I specifically requested from Chase : Proof of whether the check was paid, rejected, or returned. Any return item records or reason codes. To date, Chase has not provided sufficient documentation to account for the {$20000.00} or reconcile the discrepancy between the XXXX banks. This has left me without my settlement funds going on 4 years now and counting. Im back in court and still games are still being played in regard of this matter. XXXX XXXX check for {$20000.00} issued. Check deposited into my Chase account. Chase froze my account. Chase closed my account and stated the check was fraudulent. I requested documentation and a full trace from Chase and XXXX XXXX. XXXX XXXX provided documentation showing the check was processed and the funds were debited from its account, but not returned. Chase stated it did not receive any returned funds and did not provide proof of the checks final disposition. Additional requests were made to Chase for proof of payment status, return records, check images, and a funds trace, but no adequate response was provided. Request for assistance I ask the Consumer Financial Protection Bureau to investigate this matter and require Chase and XXXX XXXX to provide a complete accounting of the {$20000.00} check, including its payment status, any return information, and the final disposition of the funds.

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: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a credit card account reported by XXXXXXXX XXXX XXXXXXXX on my Experian credit report. I disputed this account with Experian on because I believe the information is inaccurate and unverifiable. I requested that XXXX XXXX and Experian provide proper documentation, including a signed agreement, full account history, and proof that the account belongs to me. However, the account was marked as verified without any documentation being provided. I also requested validation directly from XXXXXXXX XXXX, but they failed to provide sufficient evidence. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and fully verifiable. Despite my dispute, this account remains on my credit report and continues to negatively impact me. I am requesting a proper investigation and the removal of this account if it can not be fully verified with documented proof.

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: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Received a call from the phone number XXXX. Phone only rang twice and hung up. I had called the number back to see which company was calling. The lady who answered was very witty. Asked the lady on the line if they may provide written proof that they have the legal right to collect the debt. The lady proceeds to cut me off and stated they had already sent that out back in XXXX however before I was able to relay that my address has been changed since XXXX the lady on the phone told me to have a good day and disconnected the call.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XXXX XXXX I tried to use my card at a store and it was declined. I then logged into my account and discovered that someone had withdrew money from my account in a different city. I reached out to the company and they are denying the claim due to me using my card that day. There is no way for me to be in 2 cities at once.

Company response to consumer: Closed with explanation