vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I originally took out a loan with World Finance on XX/XX/year> for {$2000.00}, account # XXXX. I have receipts proving payments totaling {$1100.00}. I am confident I paid more, but that is the amount I can currently prove with documentation. Based on those receipts, the remaining balance on the first loan should have been {$870.00}. After experiencing a XXXX XXXX I returned to World Finance on XX/XX/year> to request another loan. They approved a second loan, account # XXXX, for {$5000.00}. However, they stated that in order to receive the second loan, the first loan had to be paid off. They immediately used the new loan funds to close the first loan. From that point forward, the numbers have never added up. Despite multiple attempts to resolve these discrepancies with World Finance, I was met only with arguments and no explanation or correction. Eventually, due to the unresolved inconsistencies, I stopped paying. Since then, I have disputed this debt with every creditor and collector who has obtained it, and I have never received a proper response. There are several major issues : 1. The second loan agreement lists a previous account # XXXX, which is incorrect. The correct first loan account number was # XXXX. 2. The second agreement claims the balance of the first loan was {$1500.00}. My receipts prove the remaining balance should have been no more than {$870.00}. 3. The second agreement states paid to you {$3600.00} with an amount financed of {$5000.00}. If they opened a {$5000.00} loan and subtracted the {$1500.00} balance they claim was owed, the amount disbursed should have been {$3400.00}, not {$3600.00}. The numbers do not match under any scenario. 4. Within 60 days of opening the second loan, I paid {$2200.00}, yet they claim I owe {$5900.00}. This is mathematically impossible unless someone manipulated figures or failed to apply payments correctly. Nothing about these balances, disbursements, or account numbers makes sense. Either someone altered numbers to their benefit, or they made significant accounting errors and refuse to acknowledge them. Either way, it is unacceptable. As a result of these inaccurate and inflated balances, I have been repeatedly contacted by creditors for a debt I do not owe. This has severely damaged my credit, prevented me from securing housing after losing my home, interfered with rental applications, and impacted nearly every aspect of my life. This ongoing harm must stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Updated Statement Including CareCredit Provided by XXXX XXXX For my cataract surgeries, XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXIN XXXX XXXX XXXX XXXX FLORIDA office provided me with a CareCredit credit card application. The staff told me the card would have an XXXX nointerest plan as long as payments were made on time. I was not fully informed about deferred interest or additional fees. For the XX/XX/XXXXXX/XX/XXXXXXXX, the office required immediate payment, and my son was pressured to pay with his personal credit card. For the XX/XX/XXXXXXXX, the office again required immediate payment and insisted I use the CareCredit card they had provided. XXXX XXXX office received full payment for both surgeries XXXX from my sons credit card and XXXX from the CareCredit card. Later, I received bills from CareCredit showing deferred interest and fees that were never explained to me at the time of signing. I contacted the office many times, and I also communicated with CareCredit to dispute the charges. Despite my efforts, the fees and interest continued to accumulate. I am requesting a review of the charges, removal of the improper deferred interest, and correction of the account because the card was provided through the doctors office with incomplete and misleading information.

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 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EA Holdings Corp.
State: IL

Complaint narrative:
I am writing to dispute the accuracy, completeness, and legal validity of the following account listed on my credit report : This account is currently being reported as a voluntary surrender with derogatory payment history. I am disputing this account based on inaccurate reporting, lack of proper documentation, and failure to comply with applicable laws governing repossessions and credit reporting. My concerns include : The account is reporting a voluntary surrender without providing documentation of proper notice, including required pre- and post-repossession disclosures. There is no verification that the disposition of the vehicle was conducted in a commercially reasonable manner as required by law. The reporting includes incomplete or inconsistent payment history and lacks full validation of the alleged delinquency. The account references external factors ( such as natural or declared disaster impact ), yet does not clearly reflect how this was accounted for in the reporting or payment evaluation. I have not been provided sufficient documentation to validate the full balance history, deficiency calculation, or final account status. Under the Fair Credit Reporting Act and applicable consumer protection laws, all information must be fully accurate, verifiable, and supported by proper documentation. Therefore, I am requesting : XXXX. Full validation of this account, including the original contract XXXX. Complete payment history and delinquency records XXXX. All repossession-related notices and documentation XXXX. Proof of the sale/disposition of the vehicle and how any balance was calculated XXXX. Verification that all reporting complies with federal and state law If this information can not be fully verified, I am requesting immediate deletion of this account from my credit report. Please complete your investigation within the required XXXXday timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Selene Holdings LLC
State: MO

Complaint narrative:
I am filing a complaint against Selene Finance regarding an excessive delay and lack of communication in processing a VA loan assumption tied to the sale of my home in XXXX. We began the VA loan assumption process on XX/XX/year>, after Selene Finance agreed to process the assumption for a qualified buyer who is also a veteran. We were informed the process could take up to XXXX days. As of today, the process remains incomplete and has significantly exceeded the expected timeframe. Throughout this period, Selene Finance has failed to provide adequate communication. They have not responded to emails in a timely manner and do not provide a direct phone contact, making it extremely difficult to obtain updates or assistance. Due to these delays and lack of communication, the buyer is now considering backing out of the purchase contract. This has put the sale of our home at serious risk and has caused us financial harm and emotional distress. Selene Finances failure to process the assumption within a reasonable timeframe, combined with their lack of responsiveness, has directly jeopardized our home sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Subject : Affirm Holding Consumer Liable Without Proof of Delivery and Incomplete Dispute Records I am filing a complaint against Affirm regarding a financed purchase for an item that was never delivered. The order was shipped to my PO Box . For PO Box deliveries, packages must be transferred to and accepted by XXXX before delivery to the recipient can occur. Affirm has acknowledged in prior communication that there is no record showing the package was transferred to or accepted by XXXX. Without XXXX acceptance, delivery to a PO Box can not be completed. Despite this, Affirm upheld the charge based on a delivery photo provided by the merchant. The photo does not show delivery to my PO Box or any identifiable mailbox location. Instead, it shows the package placed in a general lobby or unsecured area within a post office. The carrier did not transfer the package to XXXX personnel for acceptance. Leaving a package in an unsecured area without transfer of custody does not constitute completed delivery and does not establish that the item was delivered to me. I have attempted to contact both the merchant and the carrier, but the merchant has not responded. Affirm has advised me to pursue the merchant or file a police report. A police report is not appropriate, as there is no evidence the package was ever delivered to the addressed location. Additionally, I am unable to access prior communications related to my dispute within XXXX system, including key statements previously made by Affirm regarding the lack of XXXX transfer. This raises concerns about the completeness, transparency, and reliability of their investigation and recordkeeping. Under the Fair Credit Billing Act, creditors are required to conduct a reasonable investigation of disputed charges and may not hold consumers liable for charges where goods were not delivered as agreed. In this case, Affirm has upheld the charge without verifiable proof of delivery and despite acknowledging a missing delivery chain. Affirm continues to hold me financially responsible and has indicated potential credit reporting consequences, despite the lack of evidence that the item was delivered to me. This reflects a failure to properly validate delivery and a reliance on insufficient evidence to support a financial obligation. I am requesting that Affirm : Reverse the charge due to lack of proof of delivery Provide a complete record of all dispute communications and findings Review and correct their dispute investigation process for PO Box deliveries

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EGL US, LLC
State: VA

Complaint narrative:
I am following up regarding complaint # XXXX because the company previously stated that they were conducting an investigation and would provide written results. To this day, I have not received any documentation, results, or communication from BMG Money. This raises serious concerns as to whether a proper investigation was ever completed. I want to be clear this is not about avoiding payment. My issue is that this account is being reported in a way that is inconsistent, inaccurate, and negatively affecting me, which is not lawful. Upon further review of my credit reports ( all three of which are attached ), I identified multiple discrepancies across the bureaus : Different dates opened Different last reported and last active dates Different high credit amounts Conflicting payment history Most importantly, the payment history is contradictory : One bureau reports charge-offs and late payments Another shows the account as OK for the same time period This is not possible and proves the account is not being reported with accuracy. Additionally, the account is clearly marked as purchased by another lender and transferred or sold, including notation that it was sold to XXXX. However, BMG Money continues to report this account as a charge-off with negative activity. If the account was sold to another entity, BMG Money must report a XXXX balance and can not continue reporting the account in a way that suggests ongoing ownership or activity. Reporting it this way is misleading and inaccurate. Despite these clear discrepancies, the company has failed to : Provide the results of their claimed investigation Explain how this account was verified Correct the inaccurate reporting At this point, it is evident that the account has not been properly investigated or verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Formal Complaint Deceptive Lending Practices & Bait and Switch OneMain Financial. To the Consumer Financial Protection Bureau, I am submitting this formal complaint against OneMain Financial regarding deceptive lending practices that I experienced recently. COMPLAINT DETAILS : Company Name : OneMain Financial Branch Location : XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX WHAT HAPPENED : I previously borrowed {$8000.00} from OneMain Financial and responsibly paid that loan back in full. This year, I decided to return to OneMain Financial to consolidate my bills in the same amount of {$8000.00}. Through the XXXX XXXX app, I was shown multiple pre-approved loan offers, all from OneMain Financial. I selected the offer that best matched my needs in terms of loan amount and monthly payment terms. Based on that selection, I received an online approval. Shortly after, a OneMain Financial representative contacted me to confirm my approval and invited me to come into the branch. When I arrived at the XXXX XXXX location, I was told that I would not be approved for the {$8000.00} I had applied for instead, I was only being offered {$1500.00}. The representative stated that this was because of the assessed value of my vehicle. This is a classic bait and switch practice. I was drawn in with an online approval for the amount I requested, only to have the terms changed entirely once I was in the office. This is deceptive and misleading to consumers. I declined the offer and left. Later that day, I submitted a second application for a lower amount through a different link. That application was denied because OneMain Financials system flagged it as a duplicate application. At XXXXXX/XX/XXXX the following morning a Sunday I received an automated denial letter that was worded in a way that implied I had poor credit, which is not accurate. The denial was the result of a duplicate application flag, not my creditworthiness. WHAT I AM REQUESTING : XXXX. A formal investigation into OneMain Financials use of pre-approval offers through third-party platforms such as XXXX XXXX that do not reflect actual approval terms. XXXX. A review of whether this practice constitutes deceptive advertising under the Consumer Financial Protection Act. XXXX. That this complaint be added to the official record against OneMain Financial. I am happy to provide any additional documentation or information needed to support this complaint. Respectfully submitted,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
This complaint is a follow-up escalation regarding a previously submitted complaint against Chime. On or about XX/XX/year>, multiple unauthorized transactions occurred on my account, including a {$150.00} transfer ( Claim ID XXXX ). These transactions took place after my mobile phone ( an XXXX XXXX ) was stolen, which resulted in unauthorized access to my personal and financial accounts. The individual responsible used my stolen device to access my email accounts and banking applications, which allowed them to initiate transfers and request an advance pay without my knowledge or authorization. I was not in possession of my device at the time these transactions occurred. I was informed by a Chime representative that the compromised device had been removed from my account. However, upon reviewing my account settings myself, I later discovered that the device had not been removed as stated. I personally located and removed the unauthorized device ( XXXX XXXX ) from my account, along with an additional unrecognized XXXX web session that I did not authorize. This confirms that unauthorized access to my account was still active even after I reported the fraud. I reported the unauthorized activity to Chime immediately upon discovery and fully cooperated with their investigation. Despite this, my disputes were denied multiple times. These transactions are not isolated incidents. They represent a clear pattern of unauthorized activity following an account takeover. However, Chime failed to properly investigate this as a pattern and instead treated each transaction independently. I also requested documentation supporting their determination, including IP address logs, device identification, authentication records, and transaction details. Chime failed to provide any of this information. The fact that the transactions may appear to originate from a recognized device does not constitute authorization, as I was not in possession of my device at the time. Under Regulation E, I am requesting : A full reinvestigation of all related transactions as part of a pattern of unauthorized activity Copies of all documentation used in their investigation Reimbursement of all disputed funds Chimes failure to conduct a proper investigation and failure to provide supporting documentation is a violation of federal consumer protection standards. I am requesting immediate regulatory review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Nearly every time I try to login into Synchrony to pay a credit card bill, I can not. Ive reset everything and spoken to multiple employees about this problem but it keeps occurring. Its like they make it impossible to pay your bill so you can get late fees and increase interest rates. So I have to make large payments every time. Then they close the account unexpectedly. I was just informed today that they couldve reopened it but when I called before I wanted to close the remaining accounts because of this issue, I was told that I could not reopen an account but I could start a new one. Strange coincidence. Ive tried to keep the accounts but ultimately I closed them because theyre ruining my credit score. I dont have any late payments with any of my other accounts. Ive been doing a lot of digging and this seems like a very common issue with a lot of other people. This should be a crime

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 2026-04-05 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: GA

Complaint narrative:
Dear XXXX XXXX, And CFPB Team I am writing to formally complain about my dispute. XXXX customer service not accept my dispute bcz my transaction over 90 days I want to clearly state that the transactions made via XXXX were unauthorized. I was a victim of a scam where my card details were compromised. On XX/XX/XXXX And XXXX ( XXXX ), I became a victim of a romance scam after interacting with an individual on a dating platform. During the interaction, I was asked to make a payment through a provided link. Although I attempted to make a payment, it did not go through successfully. Later that same day, multiple transactions were processed from my XXXX debit card without my knowledge or authorization through XXXX or XXXX. I did not authorize these transactions, I do not have an account with XXXX payment account, and no one in my household is associated with these charges. I believe my debit card information was compromised through fraud. When I contacted the individual involved, they denied responsibility and subsequently blocked me and deleted all communication. Due to lack of awareness of my consumer rights, I did not immediately report these transactions. However, under Electronic Fund Transfer Act Regulation E, unauthorized electronic fund transfers include transactions made without the consumers authority, especially when access credentials are obtained fraudulently. I contacted XXXX to dispute these transactions, but my dispute was not accepted due to the delay in reporting. Why now asked you dispute it .I didn't know about the dispute before, but yesterday my uncle told me to do all this. Unauthorized transaction datils {$52.00} Transaction XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$50.00} XXXX XXXXXXXX {$100.00} Transaction XXXX My XXXX account details First Name : XXXX Last Name : XXXX XXXX : XXXX Email : XXXX I respectfully request that XXXX XXXX Conduct a thorough investigation into these unauthorized transactions Provide a full refund of {$650.00} Supply any documentation used in their investigation and decision I am a victim of fraud and did not authorize these transactions in any way. My final demand : open my Dispute and refund my dollar I don't have XXXX payment or any XXXX payment relation. Refund my money or I'll filed a case on small Claim cort.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation