vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: LA

Complaint narrative:
On XX/XX/year> I Contacted Post Lake Lending to Apply for a Payday Loan and got approved for XXXX $ and Looked over the Lending Agreement and seen it said Loan # : XXXX The Amount of Credit provided on my behalf is XXXX $ exact But it also said Amount You will have Paid after you have made all payments scheduled was XXXX $ which had me confused but they called me and told me I was approved for XXXX $ From their first lending agreement but it changed at the last minute to XXXX $ Then Starting XX/XX/year> They Took 3 Transactions the Same day a total of XXXX $ then on XXXX the XXXX XXXX they took another transaction of XXXX $ up Until today XX/XX/year> they took another XXXX $ which is now a total of XXXX $ and They told me I have XXXX $ left to pay in order to close account which is unheard of so now I am disputing 2 transactions because I feel like i should not have to pay Other than what Ive already paid back from what I borrowed To close an Lending Account They also told me that contract has an 1year Agreement which is also unheard off so now I am trying to get the XXXX $ back and close the account because I feel like i shouldnt have to pay to close and account and they also said they was willing to let me close the account if I gave XXXX $ instead of XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
This is for a Chime I had {$80000.00} worth of charges taken out of my account. My card was frozen meaning I turned it on frozen so that nothing could get taken off of my card and some websites took off some money as soon as I got it sent to me on there, I did not authorize it. I requested a new card. They sent me a new card, but they still denied it and said I needed additional documentation like a police report for them to give me my money back so I did that and They still have denied me and I did not make these transactions and I am frustrated. Its been almost a month and theyre making me angry. I have called. I have talked to XXXX different people at time and they keep telling me that I can not speak to someone above them, and that their investigators do not do live calls because theyre busy with helping them and they will not let me speak to no one. They refuse to let me speak to anyone above them I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: GA

Complaint narrative:
This is now my second complaint on this company they have still not resolved my issue but responded making it seem like all I had to do is call the number they provided they stated they didnt have an account under the information I provided which is a lie they keep telling me I have to email the account services team did now they are saying they dont have any information I have to wait for the escalation my account determination is final meaning to closed it i dont care I want my money thats it keep the account closed. it has now been XXXX days and no money I was told XX/XX/year> my funds were released and would be deposited within XXXX business days no escalation team just the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am completely locked out of my Venmo account because verification codes are being sent to an old phone number that I no longer have access to. There is no option during login to verify my identity another way or select a different verification method. The only option provided is to send a code to the old phone number. I attempted to contact Venmo support multiple times. I am unable to access chat support because it requires logging in, which I can not do. I attempted to call the phone support number, but the calls fail or the number is not in service. I also attempted to contact support via email, but received a response directing me back to login-based support options that I can not access. This has created a complete block preventing me from accessing my account, my funds, and my transaction history. I urgently need access to this information for legal purposes. I am requesting that Venmo : 1. Provide an alternative identity verification method 2. Remove the old phone number from my account 3. Restore my access to my account and transaction history I am willing to provide identification and any verification required to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I received a letter from Barclays stating I requested a credit card. The letter date is XXXX XXXX. Request ID XXXX. I called this company at XXXX and explained to them I never applied for a credit card. They asked for my social security number I told them they did not need my social security number because I am letting them know I had reported this as fraud. The representative said they could not help me on XXXX and hung up.

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 2026-04-01 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
I am disputing an unauthorized charge of {$110.00} from XXXX dated XX/XX/XXXX. The associated product ( XXXX XXXX Email Essentials ) was renewed on XX/XX/XXXX and then explicitly removed/canceled on XX/XX/XXXX. I received confirmation from XXXX that the product was removed and that canceled products are no longer renewable. Despite this, I was charged again in XX/XX/XXXX for the same product. When I accessed my account on XX/XX/XXXX, the product had reappeared with auto-renew enabled. I did not authorize this change and did not authorize my card to be charged for this product. I contacted XXXX and attempted to resolve the issue directly, including requesting a refund. XXXX refused to issue a refund, stating that I was outside of their refund policy window. However, this response does not address the underlying issue, which is that the charge itself was not authorized. I also requested documentation showing when and how the product was reactivated, when auto-renew was re-enabled, and what authorization exists for this charge. XXXX was unable to provide this information and stated they do not have access to prior records. I then filed a dispute with SoFi. The dispute was denied based on the merchants terms and conditions rather than requiring proof of authorization for this specific transaction. The merchants submission did not include any transaction-level evidence showing that I authorized this charge or re-established billing after cancellation. This situation reflects a breakdown in billing authorization. The product was canceled in XX/XX/XXXX, and no valid authorization exists for the XX/XX/XXXX charge. I am requesting that this charge be recognized as unauthorized and that the disputed funds be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Service XXXX XXXX XXXX, XXXX PA XXXX, United States RE : FINAL NOTICE - FAILURE TO VALIDATE DEBATE / VIOLATIONS OF THE FDCPA & FCRA ACCOUNT : XXXX ____________________________________________________________________ To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Demand for Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges of statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt of ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureau is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and and constitutes the furnishing fo inaccurate and incomplete information. Additionally, continued collected efforts without proper validation violate the FDCPA, specially ; 15 U.S.C. 1692e -False or misleading representations 15 U.S.C. 1692f - Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account in not permanently deleted from all consumer reporting agencies and all collection efforts of not cease within 15 calendar days. I will proceed legal action against your agency under 15 U.S.C 1681n and 169k, including but not limited to statutory damages, punitive damages, legal fees, and costs. this is your final opportunity to resolve this matter before I file a formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
Complaint Against Klarna Unauthorized Charge for Service Not Received On XX/XX/year>, I attempted to purchase two airline tickets through XXXX using Klarna as the payment method. The total cost of the tickets was {$820.00}. Klarna initiated a payment arrangement where an initial amount {$360.00} was to be charged, with the remaining balance financed. However, I never received confirmation of the ticket from either XXXX or Klarna. The transaction remained in a processing state, which raised concern. I contacted XXXX directly, and they confirmed that while a transaction attempt was made, the booking was canceled was a glitch in the system, and they never received any funds. XXXX provided me with confirmation and documentation stating that the payment was not completed and that no ticket was issued. I then contacted Klarna and provided this information. Klarna stated they would investigate the matter. After waiting several weeks with no resolution, I followed up multiple times. Klarna then requested written proof from XXXX. I obtained and submitted documentation from XXXX clearly stating that : The transaction was canceled No funds were received No ticket was issued Despite this, Klarna claimed their investigation showed that the transaction was successful and refused to correct the issue. I also contacted my bank ( XXXX ), which initially issued a temporary credit during their investigation. However, they later reversed the credit and advised me to resolve the issue directly with Klarna. As a result : I have been charged for a service I never received I have been forced to cover overdraft fees due to this issue Klarna continues to hold me responsible for payments on a canceled transaction This situation has negatively impacted my financial standing and caused unnecessary stress Additionally, XXXX has confirmed that Klarna never contacted them during their so called investigation, contradicting Klarnas claim. Resolution Requested : Immediate refund of all charges related to this transaction Removal of any balance or obligation associated with this purchase Correction of any negative impact on my credit Reimbursement for any overdraft or related fees caused by this issue I have provided documentation from XXXX proving that no service was delivered and no funds were accepted. Klarna is charging me for a transaction that was never completed, which is unacceptable. I request immediate resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One closed my checking account over 20 days ago I havent heard from them since, they supposed to send me a check with my remaining balance in XXXX days I havent received anything or heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Once we agreed upon a price I was directed to their XXXX XXXX, XXXX XXXX. He presented me with multiple financing contracts that were all incorrect. They tried to sneak in an extended warranty, gap insurance, and something they called XXXX XXXX XXXX that overstated my price by as much as {$8500.00}. I was able to get them to correct this. However, when they presented me with the correct contract for {$40000.00}, they had me sign it and an additional contract for {$43000.00}. Their reasoning was that as I am a legacy XXXX employee who receives the employee discount, they needed to confirm the code I provided them in order to receive it. As such, if the discount approval didn't clear, they would contact me and let me know. They stated that it was the only way I would be able to bring the vehicle home that day. They stated that the contract that did not include the discount would not be submitted without my approval, and that they weren't even going to print it out because they assumed they would not need it. I left with the vehicle and assumed everything was fine. The next day, I received a call from XXXX XXXX the XXXX XXXX. He stated that they had made a mistake on my contract, " an incorrect itemization '' and that they needed me to come in to sign a new one. He promised me on the phone that it would not change the amount that I was paying. When I was able to make it to the dealership on XX/XX/XXXX, he presented me a new contract for an increased amount. XXXX and the floor XXXX told me that if I did not sign it the vehicle would be repossessed. I refused and left the dealership. A few days ago, I received a notification from my credit card company that there was a new account on my credit report. When I checked it to confirm I saw that the amount was incorrect. After my {$3000.00} downpayment, which I have the receipt for, my balance should have been {$37000.00} with GM Financial. The amount the credit report said that I owed was {$39000.00}. When I called GM Financial yesterday to dispute this, they confirmed that I was being charged the incorrect amount. They provided me with the contract sent to them by the dealership. It was the contract that the dealership had me sign in case my discount did not clear. They knowingly sent it in to defraud me. I have never experienced such overt fraudulent practices by a car dealership before. Something needs to be done to protect people from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: DC

Complaint narrative:
On XX/XX/XXXX, I was charged approximately {$380.00} by XXXX for a flight purchase. I never received any confirmation email, ticket, or booking details for this transaction. A few days later, I received an email from XXXX stating that the booking could not be processed and that a refund would be issued. However, the charge was fully processed on my Chime account and I have not received any refund to this date. I made several attempts to contact XXXX to request confirmation and a refund, but I was unable to reach them or receive any meaningful response. I then filed a dispute with Chime, explaining that the service was never provided and that the merchant confirmed the cancellation. Despite this, my dispute was denied without proper justification. As a result, I have been financially impacted by this situation, as I was charged for a service that was never delivered and have been unable to recover my funds. I am requesting that this matter be reviewed and that I receive a full refund for this invalid charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing this complaint regarding student loan debt that I believe was created under misrepresentation and without proper disclosure. In XXXX, I began attending XXXX and received XXXX XXXX to cover my education. In XXXX, due to an incident, I needed to transfer schools. Before transferring, I specifically asked whether my XXXX XXXX would carry over and whether I would incur any student loan debt. I was clearly assured that my grants would transfer and that I would not be responsible for any student loan repayment. Based on that information, I transferred to XXXX in XXXX and graduated in XXXX. However, only three credits transferred, effectively requiring me to start over. Despite this, I was again assured that my XXXX XXXX would cover my tuition at the new school. After graduation, I discovered that approximately {$8000.00} in student loan debt had been taken out in my name. I was never provided with any documentation, disclosures, or communication indicating that I had taken on student loan debt. I did not receive any letters, statements, or notices regarding these loans at the time they were originated or afterward. Now, 14 years later, this debt is severely impacting my financial stability. It is the only negative account on my credit report and has significantly lowered my credit score, preventing me from obtaining credit or qualifying for a mortgage. I have also filed a borrower defense claim due to the misrepresentation surrounding this situation. Given the lack of proper disclosure and the assurances I was given, I am requesting a full investigation into this matter, removal of the inaccurate or improperly issued debt from my credit report, and appropriate resolution of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding Affirms handling of my dispute for Loan ID XXXX. I financed a {$4900.00} purchase for a Lifetime License trading program from XXXX XXXX ( XXXX XXXX ). The promotional materials clearly state that the purchase includes Lifetime Access to XXXX XXXXs Private Gated XXXX Community. After purchase, I was removed from the XXXX community and blocked from access. No refund was provided. This revokes a core feature that was explicitly advertised as part of the lifetime package. I filed a dispute with Affirm. My dispute was denied for insufficient documentation, but I was not informed what documentation was missing or required. Affirm then stated the purchase is now outside their XXXX dispute window, making it ineligible for further review. My concern is that Affirm financed a product advertised with lifetime access, and that access has been revoked. I am now obligated to repay financing for a product that is not being delivered as described. I am requesting that Affirm reopen and properly review this dispute based on the advertising representations and revoked access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management I do not have and Knowledge of this Debt of {$2900.00}. I have reason to believe this account is being reported in violation of 15 U.S.C. 1681b, which governs permissible purpose for accessing and furnishing consumer credit information. Under this statute, a consumer reporting agency or data furnisher must have a valid permissible purpose to access and report my credit information. At this time, I do not believe such permissible purpose existed for the reporting of this account. Therefore, I am requesting the following : - Proof of the permissible purpose used to access and report this account - Documentation showing my authorization or legal obligation related to this account - The original signed agreement or contract associated with this account - Full verification of the account, including the chain of ownership if it has been sold or assigned If you are unable to provide this documentation, you must : 1. Remove this account from my credit report immediately 2. Cease reporting this account to all credit reporting agencies 3. Provide written confirmation of deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collections Acquisition Company, Inc.
State: NY

Complaint narrative:
Payliance is a debt company who bought this account from the XXXX XXXX XXXXXXXX XXXX, not only do they have the wrong address for me but they also can not provide the orignal contract for the 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 explanation