vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I called comenity bank ( XXXX ) to close the account. On XX/XX/XXXX I called comenity bank to settle my bill of {$450.00}. At that point the account was considered closed and satisfied. The very next day they added an interest charge of $ XXXX XX/XX/XXXX. As well as added another late charge and another payment of {$37.00} due on XX/XX/XXXX. I called and asked for a manager/supervisor. But I could not get anyone to help me. And I asked for the call recordings because I absolutely settled the account in XXXX. They tried to tell me that the bill came after I paid. Which I asked many many questions and confirmed through the phone call that I was paid in full and account was closed. The lady I spoke to assured me as many times as I asked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: IL

Complaint narrative:
I opened a bank account with Axos Bank and began using it for normal banking activity. Over the past XXXX months I deposited approximately {$6000.00} in legitimate settlement-related funds into the account and used the account for regular transactions. Recently, I received a notice from Axos Bank stating that my Electronic Fund Transfer ( EFT ) services were terminated immediately and that my debit/ATM card was no longer valid. The notice stated that the decision was final and that the bank would not provide any explanation for the account closure. This situation is particularly concerning because this is the second time my account has been closed by Axos Bank. The first time my account was closed, the bank later acknowledged that the closure was made in error. Because of that experience, I trusted that my account would be properly reviewed going forward. The sudden termination of my account services without explanation has created financial disruption for me. I am currently expecting an additional settlement check for approximately {$26000.00} within the next few days and was planning to deposit those funds into this account. Because my account was previously closed by mistake and I have only conducted legitimate banking activity, I believe this situation warrants review. The lack of explanation and the repeated account closures raise concerns about whether proper procedures were followed when this decision was made. I am requesting that this matter be reviewed and that the bank provide a clear explanation for the account closure and consider reinstating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to them several times to try to get my account closed and they have not closed my account credit sesame, and Ive tried to call them and they do not answer the phone so I dont know how to get my account closed that is sitting as an open account. Theres no longer being used. It was a prepaid.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I recently discovered a collection account reported by Plaza Services , LLC for approximately {$3600.00} allegedly related to XXXX XXXX. This account appeared on my credit report suddenly and does not belong to me. I have never opened, rented, or financed any account with XXXX XXXX and have never authorized any agreement that would result in this debt. This account was reported on my credit report just days after I applied for a home loan and has caused significant damage to my credit score, negatively impacting my ability to move forward with purchasing a home. I am disputing this account because it is inaccurate and does not belong to me. I am requesting that Plaza Services , LLC provide proper documentation proving this debt belongs to me. If they can not provide a signed contract or proof that I authorized this account, I am requesting that the account be immediately removed from all credit reporting agencies. I have called them and they will not help me, they say I owe it and pay it then hang up on me, I have wrote them as well and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I disputed the funds because I didnt know where they were sent to, my wife mother is deceased and she hasnt been in here right mind. I told the bank this, and just like last time they stated. I just want to know where it was sent to, and if I dont know the company are person. Put back into my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: OH

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Subject : Formal Dispute of Student Loan Account Reported on Credit Report To Whom It May Concern, I am writing to formally dispute a student loan account currently appearing on my credit report. The account information is listed as follows : Creditor Address : XXXX XXXX XXXX, XXXX, TN XXXX Phone Number : ( XXXX ) XXXX Account Number : XXXX XXXXXXXX Loan Type : XXXX Loan Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Reported : {$3700.00} High Credit : {$3500.00} Payment Status : Pays As Agreed Date of Last Payment : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Term Duration : 240 Months Narrative Codes : XXXX, XXXX I became aware of this account on my credit report and I am requesting a full investigation into the accuracy and validity of this reported debt. At this time, I have concerns regarding whether this account has been properly verified and whether the information being reported is accurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe to be inaccurate, incomplete, or unverifiable. I am requesting that the credit reporting agencies and the company reporting this account provide full documentation verifying the following : Proof that this debt belongs to me Verification of the original creditor and loan agreement Documentation showing the legal authority to report this account A complete payment and account history If this account can not be properly verified with documentation, I request that it be removed from my credit report immediately. Any inaccurate or incomplete information must be corrected in accordance with federal law. Please conduct a full investigation into this matter and provide written confirmation of the results. I expect this dispute to be handled within the timeframe required by the Fair Credit Reporting Act. If this matter is not resolved, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and the Ohio Attorney General 's Office. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Madison Auto, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Today XX/XX/year> I pulled my credit report and found an account that I do not recognize ( ARRA FINANCE LLC ). This could be due to identity theft. This account is hurting my credit and is causing me to be denied credit with other lenders. Please research this account and have it removed from my credit report. Thank. ARRA FINANCE LLC AMOUNT {$14000.00} Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Oliphant United, Inc.
State: TN

Complaint narrative:
Oliphant USA ( XXXX ) calls once or twice a week soliciting their get out of debt service using a debt collection loophole to circumvent the no call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint because Chase Bank has incorrectly denied my claim regarding XXXX unauthorized withdrawals on my debit card ending in XXXX. The transactions occurred on XX/XX/XXXX ( {$63.00} ) and XX/XX/XXXX ( {$83.00} ). Chase denied my claim stating it was a " Chip and PIN '' transaction. I am challenging this denial based on the following factual evidence that proves XXXX records are incorrect or based on fraudulent technical data : Merchant Audit Contradiction : I contacted the account manager at the specific merchant location Chase identified. They conducted an internal audit of all transactions for my card number on the dates in question. Their records show XXXX transactions for my card. ( I confirmed this in an email exchange with the accounts manager named XXXX XXXX at the store address, also there is no third party atm machine inside or outside at this address, as confirmed by XXXX as well. ) Physical Impossibility of Amount : The merchant confirmed that their point-of-sale system has a hard withdrawal limit of {$40.00} per transaction ( and a withdrawal is only allowed with a purchase ). It is physically and technically impossible for a {$63.00} or {$83.00} withdrawal to have been processed at that location. Lack of Burden of Proof : Under Regulation E ( 12 CFR 1005.11 ), the burden of proof lies with the bank to prove a transaction was authorized. Chase has failed to explain why their records show a transaction that the merchants own system does not recognize and could not physically process. Due to a disability that makes maintaining records and monitoring vague transaction codes difficult, I did not identify the XXXX fraud immediately. Under Regulation E ( 12 CFR 1005.11 ( b ) ( 2 ) ), my disability constitutes an extenuating circumstance that requires the bank to extend the XXXX reporting window to a reasonable period. Given that the merchant has confirmed this transaction never physically occurred, a full refund is the only fair resolution. ( I just won and earned XXXX status as of XX/XX/XXXX ) In addition : Violation of Regulation E Timing : Chase has improperly " bundled '' these XXXX separate events to deny my XX/XX/XXXX claim. While the XXXX transaction may be outside the XXXX reporting window, the XX/XX/XXXX withdrawal for {$83.00} is a timely report under Regulation E. The bank is legally required to investigate the XX/XX/XXXX transaction on its own merits, regardless of the status of the XXXX claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing this complaint regarding a debt that Alliant Capital Management LLC is attempting to collect from me. According to their communication, the debt is associated with XXXX XXXX XXXX. I dispute the validity of this alleged debt. I have not received proper documentation verifying the debt or confirming that Alliant Capital Management LLC has the legal authority to collect it. I am requesting the following information : Written proof that Alliant Capital Management LLC has the legal right to collect this debt. Documentation showing that the debt was legally transferred or assigned from XXXX XXXX XXXX to Alliant Capital Management LLC. A copy of the original agreement or contract related to this debt. A complete account history showing the original balance, payments, fees, and how the current balance was calculated. Until this information is provided, I request that Alliant Capital Management LLC cease all collection attempts and communication with me except to provide the requested validation. I am concerned that my consumer rights under the Fair Debt Collection Practices Act may be violated if this debt is being collected without proper verification. A fair resolution would be for Alliant Capital Management LLC to provide full validation of the debt. If they can not provide this documentation, I request that the account be closed, all collection activity stop immediately, and that no negative information be reported to any credit reporting agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: TX

Complaint narrative:
Validation of Debt Request - POSSIBLEFINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
What SoFi has done to my credit profile is the direct result of their institution 's negligence, and I intend to pursue every available avenue until it is corrected. Here is exactly what happened : On XXXX, I submitted a loan application to SoFi, along with my spouse as a co-borrower. We are exceptionally well-qualified borrowers- nearly XXXX in income, XXXX in savings, stocks, etc., excellent credit, and a debt-to-income ratio that most lenders would celebrate. We are not a borderline case. We are an easy yes. Rather than approve my application or - at the BARE minimum - pick up the phone or send a single email to address an alleged identity verification issue, SoFi did nothing. Sofi sat on my application, and then denied me, citing an inability to " verify identity. '' No call. No email. No text. No opportunity to simply help verify identity. Nothing. They ran my credit, damaged it, and disappeared. When I contacted SoFi to understand this failure & to help verify identity, arepresentative 's solution was to tell me to simply just reapply! I did exactly what their employee instructed me to do - and SoFi immediately declined me again, this time for " too many inquiries. '' Inquiries that only exist because their institution failed at its most basic function and then had the audacity to penalize me for it. To be absolutely clear : SoFi created this problem. SoFi instructed me to make it worse. And now SoFi has the nerve to use its own incompetence as grounds for a second denial. This is not a misunderstanding. This is negligence - and it has caused direct, measurable harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Arivo Acceptance, LLC
State: KY

Complaint narrative:
I am filing a complaint regarding my auto loan with Arivo Acceptance , LLC. I have attempted multiple times to make a payment on my truck but have been unable to do so because my payment methods are not being accepted. I scheduled payments that were intended to bring my account current, but those scheduled payments were later deleted from my account. I have screenshots showing the dates the payments were scheduled and when they were removed. I have attempted to resolve this issue by contacting both Arivo and an account manager. I have received little to no response. Due to the aggressive tone during prior interactions, I requested that all communication with account manager be done through text message so there is a clear record of communication and because I feel unsafe communicating by phone. I have messages documenting my attempts to resolve this issue and my efforts to make payments in good faith. Despite these efforts, I have not been provided with a clear or reliable way to make my payment. I am requesting that Arivo provide an immediate and reliable way for me to submit payment and ensure my account is not negatively impacted due to these issues. I am making every effort to resolve this matter and remain current on my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: AL

Complaint narrative:
CONTRACT CALLERS is falsely reporting on my credit. I have never had any accounts with them. Per my research CONTRACT CALLERS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am filing this complaint against PayPal for refusing to refund a transaction where the merchant failed to deliver the goods. Transaction Details : Transaction XXXX Date : XXXX XXXX Amount : {$200.00} USD Merchant : XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX ) Description of Issue : I purchased a XXXX TV box, but the shipment was cancelled by the XXXXXXXX XXXXXXXX on XX/XX/year> ( Tracking number : XXXX ). I have never received the item. I opened a dispute with PayPal, PayPal has failed to refund my funds. It has been over 90 days since the transaction, and the seller has not issued a refund. PayPals dispute resolution process has been ineffective in protecting my consumer rights for a non-delivery case. I request a full refund of {$200.00} back to my original payment methods.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: OK

Complaint narrative:
Have been trying to use the service when traveling to have money in other countries but they say that I am not allow to used there services. Please see the email and you will see that I had this service and then I completed there questionnaire but still told no I can not use the service. Help me to understand why I can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am attempting to collect my unclaimed funds in Ohio.. They are requesting a copy of the cashiers check that in which the payee used Fifth Third. I dont know who the payee is, I have tried on several occasions to get help on this, called XXXX XXXX XXXX XXXX XXXX luck or return call, customer service XXXX number couldnt help who then connected me to another branch in XXXX , the gentle man didnt attempt to help he referred me back to customer service. Ive copied the notes from the XXXX below. additionally, you must be in possession of the cashiers check to file a claim on it. The bank reports the payee on a cashiers check, not the purchaser. If the original purchaser is still in possession of the cashiers check, they remain the legal owner. The reported check number and account number was the same # XXXX with a transaction date of XX/XX/year>. This suggests to me that the purchaser may or may not have had an account with Fifth Third. Maybe the bank can confirm that for you. Unfortunately, aside from that information and Owner name of XXXX, XXXX no additional information was provided.

Company response to consumer: Closed with explanation