vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am writing regarding an account associated with my information that I do not recognize with Affirm. I dispute this debt and request full validation. Please provide documentation showing : * Proof that I agreed to this debt * The original account details * Any records linking this account to me Until this debt is properly validated, I request that all collection activity cease and that this account not be reported to any credit bureaus. If this account is found to be fraudulent, please remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There were XXXX fraudulent card applications on my account ( jointly with my daughter ) resulting in lender/creditors pulling a copy of my credit file. XXXX applications ( from XXXX ) were denied, XXXX card was issued by Bank of America. I have destroyed the card. Neither my daughter nor I applies for any cards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX regarding an alleged debt they are attempting to collect through litigation. XXXX XXXX XXXX has filed a lawsuit against me for an alleged debt that they have failed to properly validate. Upon review of the documentation they provided, specifically the bill of sale, there is no identifying information linking me to the alleged account. The document lacks my name, account number, or any unique identifier that proves I am the rightful party associated with this debt. Instead, it appears to be a generic bulk transfer of accounts with no specific validation. Despite my formal request for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX has continued collection efforts and escalated the matter to a lawsuit without providing sufficient evidence that I owe this debt. Additionally, I have obtained a 1099-C issued by the original creditor, indicating that the alleged debt was canceled. This raises serious concerns about the legitimacy of XXXX XXXX XXXX claim, as the debt appears to have already been treated as canceled and reported as income. Their actions constitute : Failure to properly validate the debt Misrepresentation of the legal status of the debt Attempting to collect on a debt without sufficient documentation Potentially deceptive and unfair collection practices

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 2026-04-20 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
American Express restricted my card and requested identity verification using a notarized form. Their instructions stated that verification could be completed through a XXXX XXXX or XXXX XXXX. In full compliance, I personally visited the XXXX XXXX XXXX in XXXX, XXXX. The required form was completed, signed, and officially stamped by a XXXX consular XXXX. I submitted the completed verification documents to American Express on XX/XX/year>. After submission, my account remained restricted and I was unable to use my card for purchases. American Express then informed me that they would not accept the XXXX XXXX notarized document and demanded that I repeat the notarization process again. This is unreasonable. I followed their stated instructions in good faith and incurred substantial time, travel burden, and delay to obtain verification from an official XXXX government institution. American Express has not provided a clear written explanation of why a notarized document from the XXXX XXXX XXXX in XXXX is being rejected. I request : XXXX. Immediate executive review of the documents already submitted XXXX. Acceptance of the XXXX XXXX notarized verification form XXXX. Prompt removal of account restrictions XXXX. Written explanation for the rejection XXXX. Fair resolution of this matter without requiring duplicate notarization I have fully cooperated, but American Express has handled this matter unfairly and unreasonably.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
EMERGENCY HOUSING HARDSHIP. I am filing this complaint regarding a {$2100.00} transaction at XXXX # XXXX on XX/XX/year>. The merchant terminal ( Terminal ID : XXXX, Transaction ID : XXXX ) timed out and no money orders were issued. The XXXX Manager explicitly stated the transaction was a system error and performed a manual post-void. Despite this, the funds 'Posted " immediately to my SoFi account. I have provided SoFi with the specific Terminal and Transaction IDs to verify against XXXX Electronic Journal. SoFi ( Case # XXXX and Complaint XXXX ) is refusing to issue an expedited provisional credit. This {$2100.00} represents my entire move-out fund for a new apartment on XX/XX/year>. SoFis refusal to perform a manual review of the provided merchant-admitted void data is causing severe financial hardship and risking my housing stability. I am asserting my rights under Regulation E for a documented terminal error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was told that they the bank of america gave the permission and they also denied my request for reimbursement of funds and these statements happened during the year of XXXX. I've also asked for paperless billing in the years of XXXX due to identity theft through the mail. And they the bank of america in XXXX XXXX know that XXXX percent of the people who are migrating out here XXXX are looking for potential victims to take advantage of. It's on the website, the news and the City hall was just raided by the F.B.I., XX/XX/XXXX for corruption. This bank has also allowed my identity to be compromised or basically promoted the manufacturing of documents. Breach of contract is evident due to the bank networking with XXXX Security company. Which whom they allowed to bill me XXXX dollars over my XXXX dollar credit limit. Which is now practically XXXX which they say I owe. My credit score went from practically XXXX to a now XXXX. My documents are remanutured to represent their agenda. They are aware that I have a ongoing integrity issue with XXXX XXXX due to false advertisement. I've told that bank that I'm not paying for other people mistakes. I've closed this card permanently but I'm still paying the XXXX dollars without the bank offering me another card. They the bank of america have violated the contract of protection policies by allowing adt to intercept and use my information against me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: AL

Complaint narrative:
On XX/XX/year>, I went to send money to the person who cuts my lawn. I normally pay him in person but I work nights and when he came I was asleep. I am a veteran who gets my XXXX check deposited into my PayPal account monthly. The person I sent the money too ( {$40.00} ) was the wrong person but I was half asleep when I sent it, he sent a request for {$30.00} because he didn't receive the money which is when I realized I sent it to the wrong person bc I had never sent him money on PayPal before. The reason the price was different is bc he only charged me {$40.00} to begin with because my grass had gotten taller before I had him come out, anyways I spoke to a PayPal agent who said they saw the discrepancy in the name and would reach out to the account to have them send it back and if not or couldn't contact them would have it fixed. I called back 2 weeks later for an update and now I'm being told they won't do anything because it was sent friends and family again an accident. I've used them for 3 years and have had my check deposited for about 2 years now. I told the last person I spoke to today the XXXX of XXXX this and she just said the case was closed although she didn't specify if it was the one I tried to do from the app originally or if it was the one when I called.She said it was denied because of friends and family payment and to contact the person who I don't know and it was sent to a XXXX account as well, or call XXXX which I did and XXXX said they cant do anything because I sent it from PayPal and it would be a breach in privacy to give me a y information and they cant look up who I sent it too bc it was from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
i am disputing an XXXXXXXX XXXX XXXX account that is being reported on my credit. I do not agree with the charges and have not received adequate validation of this debt. I am requesting investigation and removal if the debt can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Chainlink Services LLC
State: KY

Complaint narrative:
Chainlink services LLC continues to call me and my father about how they need my information. Where I work, where I live. I have never received anything from them. No email nor anything in the mail in which any place I have debt should have that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, my PayPal account was permanently limited without being given a fair opportunity to respond or present evidence. After this limitation, two buyer claims were filed : - XX/XX/year> : {$3800.00} Item Not Received This transaction was a preorder with an agreed XXXX fulfillment timeline. At the time the claim was filed, the delivery window had not yet passed. Despite this, the claim was processed prematurely. I still resolved this matter in good faith, even though the agreed fulfillment date had not yet occurred. - XX/XX/year> : {$51000.00} Significantly Not As Described PayPal ruled both claims in the buyers favor based solely on the account limitation, not on the actual evidence. I submitted extensive documentation, including : - Proof of shipment - Proof of delivery Buyer communications confirming receipt and satisfaction with the goods- PayPal has acknowledged in writing that the buyer for the XXXX confirmed receipt and satisfaction. Despite this, PayPal still upheld claims that directly contradict those facts. As a result : - Buyer retained both the goods and the refunded funds - A negative balance of {$53000.00} was placed on my account- I was denied a fair and proper dispute review - PayPal relied on internal policy tied to account limitation rather than conducting a legitimate investigation. This allowed the buyers to retain merchandise while also receiving refunds, creating a clear case of unjust enrichment. - I made multiple attempts to resolve this directly with PayPal and provided all requested documentation, but no meaningful review was conducted. Requested resolution : - Full re-evaluation of both claims based on submitted evidence - Reversal of the charges - Formal explanation of how claims were approved despite confirmed delivery and satisfaction - Consideration of the agreed preorder fulfillment timeline for the {$3800.00} transaction If this matter is not resolved, I will proceed with additional regulatory complaints and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
I previously filed a complaint regarding my private student loan with Sallie Mae due XXXX unaffordable repayment terms XXXX excessive collection activity. Following that complaint, Sallie Mae modified my loan to a reduced payment of approximately {$400.00} per month at a XXXX % interest rate. Since that modification, I have remained in good standing making multiple payments a month, getting caught up after being out of work for XXXX months. Despite this, Sallie Mae continues XXXX engage in excessive XXXX inappropriate collection practices. Specifically, I continue XXXX receive repeated phone calls XXXX emails, including contact XXXX my co-XXXX, calls XXXX my workplace, my XXXX work place, XXXX other XXXX XXXX These communications are ongoing even though my account is not delinquent XXXX payments are being made consistently as agreed. This level of contact is unnecessary, XXXX, and XXXX. In addition, Sallie Mae has sent communications indicating that I am at risk for legal action, which is misleading given that I am not delinquent loan under the agreed modified terms. These statements create undue fear and confusion XXXX do not accurately reflect the status of my account. This behavior suggests a failure to properly update or manage my account following the modification, resulting in continued treatment as if I am delinquent. It also raises concerns about unfair, deceptive, or abusive acts or practices in the servicing of my loan. Furthermore, Sallie Mae has continued XXXX contact my co-XXXX and has made contact attempts in a professional/work setting, which is inappropriate given my current payment status and adds unnecessary personal XXXX professional XXXX. I have made consistent, good-faith efforts XXXX comply with my repayment obligations. The continued volume and nature of these communications are not justified and appear excessive relative to my account status. In addition, my credit report continues XXXX reflect the negative impact of prior unaffordable loan terms XXXX account handling, including periods where I was unable to meet excessively high required payments. Given that Sallie Mae has since modified my loan to a sustainable payment structure XXXX I have maintained consistent, XXXX payments, I am requesting a review of my credit reporting for accuracy XXXX fairness. Any reporting that does not accurately reflect my current good standing or that resulted from previously unmanageable XXXX disputed loan conditions should be corrected or updated accordingly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Please go to previous complaint with CFPB. COMPLAINT # XXXX They again said closed on complaint. Please review I do not know who the charge was to. Chase gives me no info. Whom. Address. Phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
I have an XXXX credit card. It has been used quite extensively and I admit that. The problem is the fees, charges and interest are also quite extensive. I would say currently my minimum payment each month runs at or around {$70.00}, which is insane. Despite making the payments each month, my minimum payment does not decrease. In XXXX, my minimum payment was {$71.00}, in XXXX it was {$71.00}, XXXX was {$69.00}, this month 's was {$69.00} and XXXX is going to be {$71.00}. As you see, it stays consistently in the {$70.00} range, which is nuts. It was not always like this. Back in XXXX and XXXX I was only paying about {$55.00}. How it suddenly increased like it did is beyond me. I know they will probably have their excuses, their rationale, whatever, but that doesn't change the fact that they have me in a financial chokehold. Something has to give.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went to a dealership to buy a used car and I have excellent credit with capital one. Nothing bad on my record and they denied me loan for a used car which is absolutely insane. XXXX XXXX approved me meanwhile for an auto loan for up to {$37000.00}. So XXXX getting kinda sick and tired of capital one. I think when the banks open tomorrow XXXX be switching my bank account over to XXXX. This entire acquisition of discover isnt helping anyone either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
Subject : Request for Refund and Resolution of Unresolved Complaint On XX/XX/2026, I contacted SoFi regarding a billing issue, I have not received a refund from XXXX XXXX, even after being told I would and providing all information. I have an account with SoFi, ending in XXXX I provided detailed documentation and explanation on XX/XX/2026 including [ emails, case numbers, screenshots, Despite this, SoFi has not issued the refund I am entitled to, or a credit, as this would be beneficial to restore what has been l ; ost. I have attempted multiple times to resolve this directly with SoFi customer service via chat and call but have not been updatted o nanything. As a result, I have suffered [ financial hardship in trying to recoup and restore my funds, to use elsewhere for my bills. I request that SoFi issue a refund or credit of {$240.00} and provide written confirmation of the correction. Attached are copies of my correspondence, account statements, and supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Receive text message from halstead financial telling me that I owe them a debt of over {$800.00} through XXXX XXXX I never took out a XXXX account. My credit has been XXXX until XXXX because I'm taking out a student loan so I had to XXXX it for a week, specifically XXXX. Because apparently the Department of education XXXX XXXX XXXX for XXXX plus loans. Either way, below is the copy/paste of text message. I have been getting a large amount of scam phone calls and voicemails XXXX now I'm starting XXXX get text messages. I am on the do Not call list. I have not shared any information with them. I just replied with stop. " Visit https : XXXX or call XXXX XXXX take advantage of payment options on your outstanding balance of {$840.00} for your XXXX ( XXXX XXXX XXXX XXXX for which the current creditor is XXXX XXXX XXXX ) account. Pay : - {$670.00} in up XXXX XXXX monthly payments. XXXX % off, that's a savings of {$160.00}! - Payments as low as {$75.00} - {$840.00} in up XXXX XXXX payments - XXXX time payment of {$840.00} This text is from Halsted Financial, a debt collector. Reply stop to opt-out ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint regarding the inaccurate and unverifiable reporting of a collection account by Jefferson Capital Systems ( original creditor XXXX XXXX ). This account is currently being reported with a balance of approximately {$1300.00} and was last updated in XX/XX/XXXX. On or about XX/XX/XXXX, I reviewed my credit report and identified this account as inaccurate and/or unverifiable. I disputed this account and requested proper validation, including documentation showing the origin of the debt, full account history, and proof that Jefferson Capital Systems has legal ownership and authority to collect. To date, Jefferson Capital Systems has not provided : A signed agreement or contract linking me to the alleged debt A complete and itemized account history showing how the balance was calculated Documentation proving legal assignment or transfer of the debt from XXXX Additionally, I previously disputed this same alleged XXXX debt when it was reported by another collection agency ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. At that time, I requested validation and did not receive sufficient documentation verifying the debt. The account has since been transferred or reassigned to Jefferson Capital Systems, yet I have still not been provided with proper validation or documentation establishing the legitimacy of the debt or the chain of ownership. This raises serious concerns regarding the accuracy and legality of the continued reporting of this account, as multiple entities have attempted to collect on the same alleged debt without providing proper verification. Despite the lack of verification, this account continues to be reported to credit reporting agencies, which is misleading and damaging. This appears to be a violation of the Fair Credit Reporting Act, which requires maximum possible accuracy and reasonable investigation of disputed information, as well as the Fair Debt Collection Practices Act, which requires proper validation of debts upon request. Because this account has not been properly verified, I believe it is being reported inaccurately. I am requesting : Immediate and permanent deletion of this account from all credit reporting agencies Written confirmation once the account has been removed Documentation of any verification previously used to justify reporting this account If this account can not be fully verified with proper documentation, it must be removed immediately in compliance with federal law.

Company response to consumer: Closed with explanation