vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Assistance Inc
State: NV

Complaint narrative:
To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX XXXX and the alleged amount owed is XXXX and XXXX I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days. Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXXXXXX, NV XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: CA

Complaint narrative:
I booked a property through XXXX ( reservation # XXXX ) for XXXX XXXX XXXX, totaling {$1100.00}. Upon arrival at the property, it was uninhabitable. It had no hot water, a non-functioning shower, a continuously beeping alert from a smoke detector that could not be silenced, all additional smoke detectors had been removed leaving exposed wiring, and the unit was filthy with visible trash in the unit. I immediately contacted both the host and XXXX and stated that I would not stay. I never stayed at the property at any time and had to secure alternative lodging. XXXX later acknowledged in writing that the property was uninhabitable, confirmed the issues I reported, and stated they were attempting to issue a refund but were unable to reach the host. They did not dispute the conditions. I filed a dispute with Chase Bank on or about XX/XX/year>XXXX for services not rendered and submitted supporting documentation, including photos, and XXXX written acknowledgment. Chase denied the claim, stating the transaction was authorized and referencing the non-refundable policy, without addressing the evidence that the service was never provided. After submitting additional documentation, I contacted Chase and was informed that the claim was denied because XXXX rejected the chargeback. This indicates Chase relied on the merchants response rather than conducting an independent evaluation. I also requested that Chase provide all documentation and evidence used in their investigation, but they did not provide it. This is not a cancellation. The property was uninhabitable, the service was never provided, and this dispute should have been evaluated under services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Since I had opened the card with XXXX and Goldman Sachs, I was using a card and making payments through the XXXX wallet application. Then after XX/XX/XXXX of 2023, the payments stopped processing. I had money in my funding account so the technical issue was entirely on the part of XXXX and Goldman Sachs. I contacted the XXXX support team multiple times regarding the same issue over the course of XXXX From around XX/XX/XXXX to around XX/XX/XXXX of 2023. On XX/XX/XXXX of 2023 my account was locked because of previous fraudulent charges from a merchant that I canceled a membership with. They never issued me a new card number after I completed the fraud process they told me they would be sending a new card number, but they never completed their obligations, and after that the account remain locked, which normally a locked account should still be able to receive bill payments, but for the case of the Apple Card through Goldman Sachs, it did not accept any payment. And I contacted their team for months but they never fixed my issue. This caused me a lot of problems and unnecessary emotional stress as well as damage to my credit. After I believe they sent me to collections. And I told them during the course of those few months that if they can not fix the feature for me to pay my bills, then I can not be held responsible since theyre not fixing the problem that Ive been requesting of them to fix for months. And on top of all of that, they never told me anything about filing a report, a CRA, or the CFPB. So they refuse to fix the problem and they withheld legal information which is a multitude of different types of malpractice in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX New Jersey Attorney General Division of Consumer Affairs XXXX XXXX XXXX XXXX, NJ XXXX United States Attorney General U.S. Department of Justice XXXX XXXX XXXX, XXXX Washington , DC XXXX RE : FCRA DISPUTE DEMAND FOR INVESTIGATION AND CORRECTION Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I formally dispute the accuracy of a Sallie Mae student loan tradeline. The balance reported is materially misleading and inflated due to excessive and improperly capitalized interest. You are required to conduct a reasonable investigation within statutory timeframes. Failure to do so constitutes a violation of federal law. Please be advised that each violation of the FCRA may result in statutory damages of {$1000.00} per violation, in addition to actual and punitive damages. Failure to correct or delete this inaccurate information will result in escalation, including regulatory complaints and potential litigation. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I ordered XXXX from XXXX using Affirm as payment. They advertised XXXX, which is why I chose to order from them. When my order arrived, there were individual needles, which I can not use. When I contacted the company, they told me to go to my doctor and have him administer the injections, which would cost me even more money. I offered to return the medication in exchange for oral medication, they refused. I disputed the transaction with Affirm and they denied my claim stating not enough evidence. I submitted ads on the internet showing false advertising as well as communications with XXXX. The amount due is {$760.00} for medication I can not use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
My car was repossessed in XXXX or XX/XX/year>. I filed bankruptcy to get car back. When I went to get the car I noticed all of my personal belongings were not in it. I asked them who had my personal belongings and they gave me the information. I contacted the tow company and my personal belongings and they said they would call me back but never did and Everytime I called I got the run around. My belongings totaled around {$2000.00}. It was all my clothes and shoes and an XXXX XXXX. Along with a steam cleaner and stand up fan. After I got the car back a month later the motor died. I told them where to pick up the car. It was at an auto shop in XXXX XXXX, XXXX. XXXX advised motor had died and needed a new one. I advised mechanic it was ok to release vehicle to XXXX, which is the place I purchased vehicle. I had car for less than a year. They have a negative remark on my credit report. They sold me a lemon and still want me to pay for it, after they caused me to lose all my personal belongings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint Against Wells Fargo Improper Dispute Handling, Account Closure, and XXXX Reporting I am submitting this complaint regarding Wells Fargos handling of my account, disputes, and subsequent reporting, which I believe has been improper, unfair, and financially damaging. First, Wells Fargo failed to conduct a reasonable investigation into my disputed transactions. The process appeared automated and lacked meaningful human review. I was not given a fair opportunity to provide supporting documentation or fully explain the unauthorized activity. Under Regulation E, financial institutions are required to conduct a thorough and good-faith investigation, which I do not believe occurred in my case. Second, my account was closed without proper notice or an opportunity to resolve any alleged concerns. I was not provided with a clear explanation for the closure, nor was I given a chance to verify my identity, clarify transactions, or otherwise remedy the situation before losing access to my account. This caused significant disruption and hardship. Third, Wells Fargo reported negative information to XXXX in connection with this matter. This reporting is particularly concerning because it is based on disputes that were not properly investigated and an account closure that I believe was unjustified. As a result, my ability to open or maintain accounts with other financial institutions has been negatively impacted. To resolve this issue, I am requesting the following : 1. A full and proper review of my disputes by a qualified human investigator. 2. A detailed written explanation of the reason for my account closure. 3. Removal or correction of any inaccurate or unfair reporting to XXXX. 4. Confirmation that Wells Fargo is in full compliance with Regulation E requirements regarding dispute investigations. I am seeking a fair and transparent resolution to this matter and accountability for how my account and disputes were handled.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dispute of Account Request for Deletion To Whom It May Concern, Im writing to formally dispute the account that LVNV Funding LLC is reporting on my XXXX credit report. I do not recognize this debt as valid, and I have not been provided with any documentation that proves I have a legal obligation to your company. As it stands, this account is being reported without proper verification, which makes it inaccurate and misleading. If you are going to continue reporting this account, I need you to provide actual proof that : I agreed to this debt LVNV Funding LLC legally owns it The balance being reported is correct At this point, I have not received anything that supports those claims. If you can not provide proper documentation, then you should not be reporting this account at all. Continuing to do so without verification is a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Scott Fetzer Financial Group Inc.
State: NC

Complaint narrative:
I am filing a formal complaint regarding a consumer loan issued by United Consumer Financial Services ( UCFS ) in connection with tax resolution services provided by XXXX XXXX XXXX. On or about XX/XX/year>, I entered into a financed agreement in the amount of approximately {$2600.00} for tax resolution services through XXXX XXXX XXXX, with financing provided by UCFS. I have been making monthly payments of approximately {$99.00}. However, XXXX XXXX XXXX has failed to provide the promised services or demonstrate meaningful progress toward resolving my tax matter. Despite ongoing payments, there has been no satisfactory performance or results. I formally notified both XXXX XXXX XXXX and UCFS in writing that I am disputing this account and terminating services due to non-performance. I also revoked authorization for automatic payments. My contract clearly includes language consistent with the Federal Trade Commission XXXX XXXX, which states that any holder of the consumer credit contract is subject to all claims and defenses that I can assert against the seller. Therefore, because the services were not properly rendered, I am disputing the validity of the associated loan obligation. Despite this, XXXX XXXX XXXX contacted me and attempted to pressure me into continuing services and indicated that UCFS would not cancel the loan. This is misleading and ignores my legal rights under the Holder Rule. I am requesting the following : 1. Immediate recognition of this account as formally disputed 2. Suspension of all collection activity and negative credit reporting during the investigation 3. A full investigation into the failure of services by XXXX XXXX XXXX XXXX. Cancellation or appropriate adjustment of the loan balance based on services not rendered 5. Written documentation of any services allegedly performed I believe this situation reflects unfair and deceptive business practices, particularly in the separation of service delivery and financing to continue collecting payment without delivering results. I am requesting the CFPBs assistance in ensuring that my rights are upheld and that this matter is resolved fairly. XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All above stated accounts are act of fraudulent activity which I don't recognize.Please remove all acounts from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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:
I received a phone call from an unknown company offering a loan. Since I knew the company from a previous experience where they financed my car, I trusted the caller. The person instructed me to participate in a video chat, which I agreed to. During the video chat, the caller asked me to open my bank account app, Chime. He then provided me with a few instructions. After the phone call, I noticed three unauthorized transactions in my bank account. I immediately called my bank to report these transactions. I also called the upstart company to inquire about the loan, but there were no records of any such transaction. I believe the companys name is XXXXXXXX XXXX XXXX, and I believe the person who made the call is based in XXXX XXXX and operates in the apparel category. I immediately dispute the transaction with my bank, but I realize that my actions are the cause of the issue. I attempted to request a refund, but the bank refused to process it. I am unsure how to report the unauthorized transactions, but I am aware that there are three separate transactions originating from the same companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION
State: CA

Complaint narrative:
We refinanced our mortgage with XXXX in XX/XX/XXXX ( loan originated by XXXX, serviced by XXXX XXXX ). Prior to refinancing, we specifically asked XXXX loan XXXX XXXX about biweekly payment enrollment, as we were already enrolled in biweekly programs with our previous servicers ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX Biweekly availability was a factor in our decision to refinance. At no point during the loan process or at closing was a one-month-ahead prepayment requirement disclosed as a condition of biweekly enrollment. We submitted the XXXX XXXX enrollment form in XX/XX/XXXX. XXXX confirmed in writing that we were already a month ahead and qualified to enroll. For XXXX months from XX/XX/XXXX through XX/XX/XXXX no one at XXXX proactively communicated any additional steps. When we followed up ourselves, the requirement kept changing : first we were told XXXX needed to be satisfied, then XXXX. Each time we complied, the goalposts shifted. We escalated to XXXX XXXX XXXX, who contacted XXXX. XXXX 's position is that the one-month-ahead requirement is standard. However, this was never disclosed at closing, XXXX confirmed enrollment eligibility in writing, and our experience with both XXXX XXXX XXXX XXXX XXXX required only that XXXX month be current not XXXX month ahead. XXXX 's online portal also does not allow custom payment amounts or split payments, making their enrollment program the only path to biweekly. Had this requirement been disclosed, we would not have refinanced with XXXX. We have lost months of biweekly interest savings due to their communication failure.

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 2026-04-11 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I made a purchase on XX/XX/year> it was a cable box for some reason it didnt work on my TV I have 30 days to return so I returned it within 2 day of receiving so the seller send me the label and I dropped off at the UPS store they gave me the receipt for the drop off but I dont see the charge being refunded on my statement so when I call synchrony bank they are telling me the dispute is not in your favor and you have to pay {$280.00} and the dispute is closed even though I send them a copy of the receipt that I have send the merchandise back to the seller. Instead of resolving the issue they are telling me If I do not pay they will report me to all major credit bureaus Why would I pay for something that I have already returned to the seller

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 monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am filing a complaint regarding a returned check fee charged by Citibank on my credit card account. The issue occurred due to an autopay payment being linked to a bank account that had recently been closed. I was not notified that the payment method was invalid or that the payment had failed. As soon as I became aware of the issue, I immediately updated my payment information and paid the balance in full. I contacted Citibank support regarding the resulting returned check fee. At that time, a representative informed me that the fee would be waived, but could not process it immediately because the fee was still pending. I was instructed to return once the charge posted. After the fee posted, I followed those instructions. However, Citibank later denied the waiver request. I was directed between chat and phone support, with neither department taking responsibility or honoring the prior commitment. I am requesting that Citibank honor the fee waiver that was previously communicated by their representative, or provide a clear explanation for why that commitment is being reversed.

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