vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I am filing a complaint regarding an unresolved Western Union money order refund investigation. I purchased a Western Union money order from XXXX and later lost the original receipt and money order. The money order has NOT been cashed. I immediately took steps to resolve the issue responsibly by : * Filing a police report * Contacting the issuing store ( XXXX ) * Obtaining a store receipt and the serial number for the money order * Repeatedly contacting Western Union customer service Despite providing proof of purchase information and the serial number, Western Union has delayed resolving the issue for approximately three weeks and continues to refuse or delay issuing a refund or replacement. I have also had difficulty reaching knowledgeable representatives, and supervisors have refused to provide proper reference numbers or meaningful updates regarding my case. At this point, I believe the company is failing to reasonably assist a customer regarding an uncashed money order that can be verified through their own records. I am requesting that Western Union : 1. Immediately investigate and confirm the money order remains uncashed 2. Provide a written status update on my claim 3. Issue a refund or replacement for the money order 4. Improve communication regarding my case and provide proper documentation/reference numbers I have supporting documentation available, including : * Store purchase receipt * Money order serial number * Police report * Records of communication attempts I am seeking prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I was in the XXXX XXXX app during the ongoing XXXX to Capital One transition and saw a prompt stating word for word : 'Open a new Capital One card. XXXX is part of Capital One. See if you'll be approved with 100 % certainty and no harm to your credit score. ' Based on this language I believed it was a soft inquiry or pre-qualification check, not a formal credit application. Capital One 's own website explicitly uses the word 'pre-approved " to distinguish pre-qualification checks from actual applications. The XXXX app prompt omitted that distinction entirely. A hard inquiry was placed on my TransUnion report on XX/XX/year> dropping my score XXXX points without informed consent. I disputed this with Capital One online under Case Number XXXX. Their response addressed the wrong issue entirely, they said the account was not showing on my credit report, which was not what I disputed. When I called to clarify they told me to send a physical letter. Had I knowingly chosen to apply I would have done so through Capital One 's official channel which offered a {$200.00} cash bonus after {$500.00} in spending, a promotional benefit I was denied due to this misleading prompt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I repeatedly requested proper validation and documentation regarding the following alleged debt : NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) Account Ending In : XXXX Balance : {$150.00} Despite my repeated requests, I still have not received proper documentation validating this alleged debt. I also never received an initial notice before this account was placed on my credit report. Documents attached. At this point, I genuinely do not believe this company understands what proper validation of a debt actually is under the Fair Debt Collection Practices Act. A proper validation of a debt includes, but is not limited to : Original lease agreement or contract Itemized accounting records Complete payment ledger Proof of ownership or assignment The amount owed and how it was calculated The date of first delinquency The date the account was placed for collection Proof the collector has lawful authority to collect Proof the debt belongs to me Complete payment history Documentation supporting the reporting being furnished to the credit bureaus I repeatedly requested this information and still have not received it. Instead, NATLCRSYS continues reporting contradictory information across the credit bureaus. Documents attached. XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXXXXXX XXXX reports : Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX The same alleged debt can not lawfully report multiple different opened dates and multiple different activity dates depending on which bureau is reporting it. Documents attached. This account also continues being updated monthly despite NATLCRSYS repeatedly failing to validate the debt directly to me. And another major issue is the claim that notices were supposedly sent. I never received them. If NATLCRSYS is claiming they sent me notices and validation, but they are also claiming they never received my repeated requests for validation, how exactly is that possible? Was the alleged notice sent certified mail? Do you have proof it was delivered? Because I certainly did not receive it. At this point, I have also filed : FTC complaint Attorney General complaint XXXX XXXX XXXX complaint because this company continues failing to provide proper validation while furnishing inaccurate and contradictory reporting. Documents attached. The reporting appears inconsistent with : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX compliance standards I am requesting a deep investigation into NATLCRSYS and the reporting being furnished to the credit bureaus because consumers should not have to repeatedly beg collection agencies for basic validation documents they are legally entitled to request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding a financed purchase through Affirm for an online educational course hosted by XXXX XXXX. The course was marketed and sold as a live, interactive educational experience involving real-time participation, engagement, and feedback. Due to unforeseen circumstances, I was unable to attend the live sessions. While replay access was later provided, the replay recordings do not provide the same value, functionality, or experience as the live course that was originally represented and purchased. I contacted the merchant directly in good faith to request either : A refund, or A credit toward a future live session. The merchant denied my request solely because replay links had been sent, regardless of whether the core live experience was actually received or utilized. I then contacted Affirm seeking assistance with disputing the charge, as I believe the service delivered was materially different from the primary value proposition advertised at the time of purchase. However, Affirm has not provided a meaningful resolution or investigation into the nature of the dispute. I am requesting : A formal review of this transaction, Consideration of a refund or charge reversal, And confirmation that the dispute is being fairly investigated based on the actual services received versus what was marketed. I have documentation of the merchant communications and course representations available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XXXX XXXX I noticed two ( 2h different charges that were not authorized. One was for {$500.00} even at XXXX, the other was a duplicate of {$500.00} at XXXX. Although I submitted records of my XXXX showing I was sleeping, and a police report as requested. They denied my claim 4 times. They could not give me a reason as to why. No chain of command. Attached I have denial letters and said charges. There are no tax on charges, and the charges were online at XXXX in the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist / Request for Removal Account Number : XXXX To Whom It May Concern, I am writing regarding the above-referenced account currently being reported on my credit file. I dispute the validity and accuracy of this alleged debt and request that you cease all collection activity and communication regarding this account except as permitted by law. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that LVNV Funding LLC provide proper verification of this debt or immediately remove this account from all credit reporting agencies if you can not fully validate it. Because this account is being disputed, I also request the following : Immediate investigation of this account Removal of any inaccurate, unverifiable, or incomplete reporting Cease reporting this account to all credit bureaus until verification is provided Written confirmation once the account has been removed or corrected Please note that failure to comply with federal consumer protection laws may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I expect a response within 30 days of receipt of this letter. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Net Pay Advance, Inc.
State: MO

Complaint narrative:
Company misrepresented the loan payment process. When I inquired about the amount of payments that they auto deducted from my account and wanted to know why there was still so much owed on the account after paying over {$1000.00} on a XXXX loan I was then advised that they only apply 2 percent so only {$100.00} went towards the loan which was not how it was explained to me when I initially took out the loan. I was expecting the loan to be closer to be paid off but not having any luck with their representatives They are taking {$100.00} to {$150.00} every two weeks but the principal isn't going anywhere

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
I obtained a {$2000.00} loan from Explore Credit in XX/XX/year>. The loan was structured with recurring weekly ACH withdrawals from my bank account, commonly in amounts of {$230.00} and {$76.00}. According to my bank records and accounting records, the lender withdrew approximately {$17000.00} from my account. This amount greatly exceeded the original loan amount and appears to exceed even the repayment schedule disclosed in the loan agreement. I attempted to contact the company to request a complete accounting of all payments and withdrawals and to clarify the total amount collected. I also requested to speak with a supervisor regarding the repayment totals and recurring ACH withdrawals. The company provided conflicting information regarding the amounts collected and disconnected the call when I requested escalation. My records show repeated ACH debits over an extended period, including continued withdrawals despite overdrafts and returned items on my account. The repayment structure resulted in an extremely high repayment amount compared to the original {$2000.00} loan. I am requesting : A full accounting of all payments and ACH withdrawals. Investigation into whether the lender collected amounts beyond the contractual repayment amount. Investigation into the lenders interest charges, disclosures, and ACH collection practices. Refund of any improperly collected or over-collected amounts. I have supporting documentation including bank statements, payment history screenshots, loan documents, and transaction exports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This is an addendum to complaint # XXXX as an incorrect document was submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Negative items have been put on my credit reports that I dont owe and cant be verified. According to 15 U.S.C. 1681n debt collectors cant collect these debts without the proper information. I was also involved in several data breaches that occurred in the last ten years. Attached are the data breaches and copies of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: NY

Complaint narrative:
I am requesting a formal reinvestigation of this dispute because it was incorrectly processed and denied. I never checked into or stayed at this XXXX XXXX property, so " services rendered '' rules do not apply here. The charge on my account is an invalid and unearned fee. The hotel 's cancellation policy was not properly disclosed to me at the time of booking, making this an unauthorized penalty under XXXX network regulations. Because I never checked into the hotel, never signed a registration card, and never occupied a room, the merchant has zero proof of services provided. I am requesting that a human representative manually review this case, obtain the merchant 's checkout ledger proving I was never a guest, and reverse this unauthorized charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
b'1.\XXXX XXXX XXXX: Initial correspondence to Synchrony Bank demanding original credit agreement, DACA, Synchrony Card Issuance Trust documentation, and full accounting. No response was received.\n2.\XXXX XXXX XXXX: Qualified Written Request / Formal Demand to Synchrony Bank. No response was received.\n3. Synchrony charged off this account on XXXX XXXX XXXX while demands were pending and unanswered \n4.\XXXX XXXX XXXX: Formal Demand to Synchrony Bank via Certified Mail (USPS Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX). No substantive response received.\n5. XXXX XXXX XXXX, Synchrony Bank sold the account to XXXX XXXX, without ever producing a single document demanded. XXXX purchased a disputed, contested, unanswered 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
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX at XXXX I contacted Chime via their chat feature, I spoke with a representative named XXXX XXXX regarding a unauthorized merchant trying to debit funds from my account. The transaction was declined because I had my debit card locked at the time. The representative assured me that she had blocked this merchant and they would not be able to make any transactions on my account again. The following day ( XX/XX/XXXX ) I unlocked my card to make a purchase, when I returned home, I was alerted that the same merchant had emptied all my funds out of my account and I was left with a balance of XXXX overdraft. I called Chime to understand what happened, and explained that I had spoken to a rep who confirmed this would not happen! I was met with complete disregard of my issue, and was told there was nothing that they could do until all of the transactions settled. I was then disconnected on. Now I am left with no money, and a overdrafted account. I have attached a screenshot of the entire conversation with the Chime representative, and all the fraudulent charges that occurred by this merchant. I am requesting all of my funds be returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debois, Inc.
State: OH

Complaint narrative:
I am disputing this closed auto loan/charge-off account because it has not been properly validated or documented despite multiple written requests. On XX/XX/XXXX, I requested a payoff breakdown and current balance for this account. No response was provided. On XX/XX/XXXX, I again requested full documentation, including the original contract, complete payment history, itemized charges, and records related to the vehicle disposition and any resulting deficiency balance. I did not receive the requested documentation or a substantive response. Despite the lack of verification and documentation, the account continues to be reported to credit bureaus as a charged-off collection with a balance of {$890.00}. I am requesting that this account be fully validated and removed from my credit report if it can not be properly substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate and damaging entry on my credit report originating from your company, XXXX XXXX XXXX, This entry pertains to an auto insurance policy, policy number which I believe was properly canceled and should not reflect any outstanding balance. My initial agreement for auto insurance involved a specific premium, which I diligently paid for three consecutive periods. However, prior to my fourth scheduled payment, I was informed that the premium for this policy had inexplicably escalated to approximately three times the original agreed-upon rate. This drastic and uncommunicated increase made the policy financially unfeasible for me to continue. Consequently, I initiated a cancellation request via a recorded phone call with one of your representatives. During this conversation, I clearly expressed my desire to terminate the policy due to the exorbitant premium increase and received confirmation that my cancellation request was being processed. Following this, I secured a new auto insurance policy with a different provider that offered a more reasonable rate. Imagine my surprise and dismay when I discovered that an alleged outstanding balance for the previously canceled policy has been reported to credit bureaus, severely impacting my credit score. This inaccurate reporting is directly hindering my ability to make necessary purchases and is causing significant financial distress. I firmly contend that this debt is invalid, as the policy was canceled in accordance with my recorded request. I possess documentation and/or records of my payments and the circumstances leading to the cancellation. I demand an immediate investigation into this matter and the prompt removal of all derogatory marks associated with this alleged debt from my credit report with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). I expect a confirmation of this resolution within [ e.g., XXXX ] business days. Failure to rectify this error will leave me no option but to explore all available legal avenues to protect my financial standing. Thank you for your prompt attention to this urgent matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I submitted 2 disputes to Synchrony Bank regarding my VALUE CITY FURNITURE/SYNCB account. First Dispute # : XXXX On XX/XX/year> Synchrony Bank informed me that they received my dispute and that credit will not be issued at this time. I submitted my sales receipt and told them that due to bankruptcy of XXXX XXXX that the couch from Value City was not delivered. Synchrony Bank stated that the " signed application and sales invoice which includes terms for financing for the transaction '' was provided and that " By signing/acknowledging the documents, I agreed to the terms ''. They did not acknowledge that the goods sold were not received which was why I was disputing the transaction. Second Dispute # : XXXX I informed them that couch was not delivered. On XX/XX/year> Synchrony Bank informed me via letter that they " reviewed the information on file and found no evidence of a billing error. '' In both cases Synchrony Bank closed the disputes. They informed me via letter The sale is now included in the balance and will be part of my calculated minimum required payment. The amount initially charged on the invoice and financed via private label credit card is {$2500.00}. Goods sold were never received as Value City Furniture 's parent company went bankrupt prior to completing the special order couch. This resulted in no delivery on XX/XX/year> as was listed on my sales document. In addition, the first monthly payment to VALUE CITY FURNITURE/SYNCB was due prior to receiving the goods. I find that way of operating unacceptable. Payments should begin only after goods have been received.Neither Value City or Synchrony Bank have any obligations to each other leaving the consumer in the middle when items aren't delivered.

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