vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Speedy Cash withdrew the full {$4400.00} amount without my specific approval for an acceleration payment. They had previous failed attempts to withdraw money and I did not authorize this last payment. This has caused immediate financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Repairs XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and financed it through American First Finance. The store representative quoted the total cost as approximately {$990.00} and stated they would take care of the taxes. I was rushed through the signing process without reasonable opportunity to review the documents. The actual amount shown in my account is {$1100.00}, a material discrepancy I never agreed to. The XXXX XXXX XXXX I received was clearly not new as represented. The outer box was severely damaged with multiple tears and frayed cardboard, water stains and discoloration ( the likely source of the strong unpleasant odor ), and had been repaired with white tape. The console itself has a visible scratch and lacked all standard factory packaging and inserts. The included cover was visibly worn and appeared used or refurbished. This is my first transaction with American First Finance. The defective merchandise, price misrepresentation, and high-pressure sales tactics have negatively affected my credit report. I sent a formal written demand for full rescission to the company today via email, including all photographic evidence via secure XXXX XXXX link.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Product/Service : Credit Card Issue : Problem with a company 's investigation into an existing problem ( Account Security & Access ) Complaint Description : I am filing this complaint regarding Chase XXXX systemic failure to provide accessible security controls for my credit card account, which has resulted in an unmitigated and ongoing fraud risk. XXXX. Logical Failure in Identity Verification ( XXXX Mismatch ) While I obtained a XXXX credit card in XX/XX/XXXX, my formal tax identification ( ITIN ) was not issued until XXXX, and I did not establish a meaningful credit or public financial record before that time. Before XXXX, I had no significant financial or tax footprint in the XXXX that would generate public records. However, XXXX identity verification process relies on security questions regarding home mortgages and auto loans from prior to XXXX. As I had no such financial activities during that period, it is physically impossible for me to answer these questions correctly. This creates a systemic verification failure that bars me from establishing an online account, leaving me without any means to monitor my transactions or manage my account security. This flaw may create a disparate impact on international or XXXX customers who are effectively denied the same security protections as domestic residents. XXXX. Denial of Critical Risk-Mitigation Tools Due to my inability to access online banking, I requested that Chase temporarily freeze my credit card as a preventative security measure since XXXX. This request was denied multiple times by customer service representatives, citing " internal system limitations. '' Denying a customer the ability to freeze their own cardespecially when they are already locked out of online monitoringconstitutes a denial of a reasonable and standard security control. XXXX. XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) On XX/XX/XXXX, I escalated this matter to a supervisor. I explicitly informed Chase that I am currently located internationally and can not visit a physical branch until after XX/XX/XXXX. Despite this, the only solution provided was a text link that required me to log in to an online account to freeze the card. Since my core complaint is the inability to create an online account, providing a solution that requires XXXX is not only dismissive but entirely non-functional. No alternative remote verification ( such as a secure document upload ) was offered. XXXX. XXXX XXXX and XXXX As a result of these failures, I am exposed to ongoing financial risk without any means of self-protection. XXXX refusal to act on a manual security request, while knowing their automated systems are failing a verified customer, raises serious concerns regarding their ability to safeguard consumer accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported on my credit report. On XX/XX/XXXX, I sent certified dispute letters to all credit bureaus and Credence Resource Management requesting validation of an alleged debt. To date, I have not received proper validation of this debt. Additionally, the address associated with Credence Resource Management ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX ) appears to be a vacant or non-operational location, raising serious concerns about the legitimacy and verifiability of this account. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and verifiable. This account has not been properly validated and is therefore in violation of FCRA XXXX. I am requesting : XXXX. Immediate deletion of this account from my credit report XXXX. Written confirmation of the deletion XXXX. Documentation of how this account was verified, if it is not removed Failure to comply will result in further legal action. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
So match XXXX my Cash App account was hacked and my money was stolen they bought bitcoin with it and they logged in in pa which is Pennsylvania from a android and I live in XXXX Michigan and have a XXXX XXXX XXXX XXXX XXXX XXXX And than there was a guy named XXXX who asked for XXXX and I dont even know who he is or have him as a friend I was able to deny his request I just dont get how these people were able to get into my account if when I sign in I use my face also I had my card locked and when I use it it asked me a XXXX digit pin I only knew all my Money was gone because not XXXX minutes after it happened I decided I was gon na place my XXXX order and couldnt so I check me account and they took all my money and left me XXXX cents I keep reaching out to Cash App and I acted on this right away and over XXXX still havent heard nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
In XXXX I went through a divorce and went through a significant hardship. Previous to this time I had not late payments and had been current every month. Initially had several late payments but was able to still pay every month. XXXX XXXX I was not able to make a payment. I called several times asking for help with my hardship and told I didn't qualify for any program. I was told that even if I still paid moving forward if I couldn't make that delinquent payment, I would still continue to get late fee. ( XXXX Mortgage ) XX/XX/year> XXXX Mortgage sold my loan off to Freedom Mortgage. At that time I called several time to Freedom Mortgage and I asked for hardship and again told I did not qualify and that I would continue to get late fee every month even if I was paying. XX/XX/year> I was able to pay the delinquent payment, current payment and all the late fees. For some reason the extra payment was not applied and given another late fee. I called to get the late fee removed and they would not remove it and yet again another late payment added to the credit report. I have been a nurse practitioner for 25 years and always owned my house and have had excellent credit. These late payments during my hardship are still on my credit report. I am trying to get a small business loan to open my own practice and further my career. However I can not get a loan because of my credit score. I recently tried to call and ask if they would remove them since I have been current with not late payments for 7 months and I was told no.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
XXXX I returned a car to XXXX Auto Discounts, I got the car XXXX and the next say XXXX the car would not start and had XXXX codes and was tampered with by dealership, Also had a dented radiator and so much more with I provided my evidence to chime, The car lot admitted they knew about the smashed in parts in person when I returned car I also have recite where they was supposed to fix but didnt and took the car back but refused my money and then sold me another car for XXXX dollars that had a blown head gasket, But wont give my money back chime is not trying to help me it was a illegal auto sale in the state of Ohio and most states its illegal to delete codes and sell a car with a broken smashed in parts without being disclosed, I sent chime more than enough for them to for sure give me my money back Im so sad I have no car and Im out XXXX dollars and chime dont care car lot thinks its funny I have XXXX kids XXXX XXXX XXXX and XXXX they dont care Im heart broken, I tried fixing that car myself paid XXXX dollars and it didnt fix it I was willing to take the XXXX dollar loss but not the XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding Comenity Capital Banks poor handling of a billing dispute related to my XXXX credit card account ending in XXXX used in dental services for my daughter. On XX/XX/XXXX, The XXXX Dentist ( XXXX, CA ) ran my credit for an XXXX credit account in my name, I decided not to open the account and not proceed with proposed expensive dental services for my daughter for work on multiple tooths. On XX/XX/XXXX, The XXXX Dentist used my credit information that they retained without my permission to open an XXXX credit card in my name without my knowledge nor authorization. Then they charged {$11000.00} for a full dental plan that we did not agree to and started the services without our knowledge when my daughter went in for unrelated services and did not disclose to us the services were performed until after the procedures were done, forcing us to continue with more appointments to complete the rest of the procedures to not leave the tooths half done. However, some of the work were later found to be improper by multiple licensed dentists resulting in multiple tooth crowns falling out shortly after. I disputed the charges with Comenity Capital Bank who is behind the XXXX credit card, submitting evidences that the merchant did not have my authorization and of the services performed that were medically improper, and asked for a partial refund of {$4300.00}. On XX/XX/XXXX, Comenity sent me separate response letters stating that they closed the account that was opened without my authorization but the charges remained, and because the merchant claimed to them simply the service was of the quality promised, Comenity had closed the dispute without reversing any of the charges despite all of the evidences I submitted including multiple professional dental evaluations confirming substandard work that were medically improper for a dentist to perform due to the poor condition of the tooths. The bank relied solely on the merchants assertion in refusing my requested refund amount without reviewing my supporting documentation, and did not provide any explanation of how my evidence was reviewed or why it was disregarded. I am a XXXX old retiree and struggling financially to pay for services that I did not authorize in the first place. I am requesting that Comenity Capital Bank and regulators to reopen and properly investigate the dispute, and for Comenity Capital Bank to issue the requested refund in the amount of {$4300.00} for services performed that were medically improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I was the victim of a robbery at XXXX XXXX on XX/XX/year>, near the XXXX store. Multiple individuals surrounded me, pressured me, and took my phone under the pretense of showing my account. One individual was recording me on a phone without my consent. I repeatedly told them I did not want to participate and attempted to leave, but they continued to pressure and intimidate me. Without my authorization, XXXX of the individuals transferred {$2000.00} from my Cash App account to himself after taking my phone. I did not consent to this transaction and felt intimidated and unsafe due to being surrounded and pressured by multiple individuals. A police report has been filed regarding this incident. This was not a voluntary payment or scamit was a theft carried out under pressure and intimidation. Cash App has denied my dispute and closed my case, but this situation involves a criminal act. I am requesting a proper investigation, cooperation with law enforcement, and reconsideration of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Checking Account : XXXX Can I provide my information online to unlock my checking account that I have had for XXXX years.I had checking account number XXXX for over XXXX years. I can send my drivers license or social security card. Is it necessary for me to go to the branch? These reps were evil on XXXX XXXXI may have to go to a branch in XXXX next week. Credit Card XXXX I have had this account for over XXXX years. Please help me with my interest rate on the card. It is costing me {$40.00} a month. Next, I am blocked from signing on online. I need to pay {$120.00} for both XXXX and XXXX. I call the creditors and they state that I owe {$180.00}, why? I have only missed XXXX payment. If it is a late fee, I need to have it removed. If it is a return fee, can they please remove it? I need to get online, I'm blocked. I call XXXX, and they don't help me sign on. I have not done any illegal transactions. When I try to call, the same voices keep answering. I am also dealing with the death of my mother and I have XXXX XXXX. Please help me get online. I need specific instructions mailed. Basically, I need to get online to view statements. I also need my interest reduced, I need a return fee and a late fee removed. if I need to file a report for fraudster charges I will file them.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: VA

Complaint narrative:
I formally disputed the default status of my federal student loan. I was not properly notified of delinquency, default, acceleration, and/or transfer of this loan. I especially disputed the accuracy of information provided to me regarding my loan balance. I was informed that my balance was XXXX, which materially affected my understanding of the loans status and my ability to take timely action. I saw the XXXX balance ( no payment due ) in XX/XX/year>. The deferment date, according to XXXX and a letter from the guarantor ( ECMC ), is XX/XX/year>. For XXXX months before the deferment date, the servicer ( XXXX ) presented the loan as having no balance and no payment due. At this point, it was not an assumption that the loan was forgiven ; the servicer actually told me there was no loan. During the period in question, I was unable to make payments because I was informed that my loan balance was XXXX. All available phone contact directed me to the online account system, which consistently reflected a XXXX balance and no payment due. I relied on this information, and as a result, I was not able to make payments on a loan before its deferment date I have been in communication with Sloan and XXXX for almost a year. In that time, I have received numerous dates as the date of deferment, but XXXX says XX/XX/year>. I understand 270 days without a payment is significant, and I hit this threshold. Sloan notified me that my loan was in danger of defaulting in the future, but did not notify me of an actual default, nor did they notify me of a filed claim or of a transfer. They only presented a XXXX balance loan. I attempted to cure the delinquency prior to claim payment but was prevented from doing so. During the period after 270 days delinquency and before guarantor payment, I was unable to make a payment despite willingness and ability. This effectively denied me a meaningful opportunity to avoid default. I saved and have documentation of everything, but all of it is too much for this website. I will attach a screenshot of the XXXX balance and the letter from XXXX telling me of the XX/XX/year> default date. I would be happy to share everything in some other way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I am disputing inaccurate and unverified debt reporting and collection activity. An account from XXXX has been reported and is now being handled by a collection attorney who claims there is a judgment against me. However, I have never been served, notified, or provided any documentation of a judgment. I searched court records in XXXX XXXX and XXXX XXXX and found no valid judgment associated with this alleged debt. I requested validation of the debt, including proof of the judgment and account documentation, but the company has failed to provide any evidence. These actions constitute inaccurate reporting, failure to validate debt, and potential misrepresentation of legal status.

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 2026-03-29 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I have a collection account from Transworld Systems Inc. on my credit report that I do not recognize and was never properly notified about. I requested documentation to verify the accuracy of this account, including the balance, payment history, and proof that this company has the legal authority to collect. They have not provided sufficient documentation to verify this debt, yet they continue reporting it on my credit report. This raises serious concerns about the accuracy and completeness of the information being reported.

Company response to consumer: Closed with explanation