vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Account Opened : XX/XX/year> Original Balance : {$480.00} Current Balance : {$630.00} I am filing a complaint against XXXX XXXX XXXX regarding a collection account being reported on my credit file. This account originates from Comenity Bank and was placed with XXXX XXXX XXXX without proper notification to me. I did not receive a validation notice as required under 15 U.S.C. 1692g. Additionally, this account has been reported to the credit bureaus, including XXXX, without prior validation or sufficient proof that the debt is accurate and that XXXX XXXX XXXX has the legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: TN

Complaint narrative:
I am filing a complaint against Klarna regarding an improperly handled dispute and the reversal of a previously issued refund for a defective product. I purchased a XXXX printer using Klarna financing in the amount of {$3500.00}. Shortly after receiving the product, I began experiencing ongoing issues that rendered the printer unreliable and, at times, completely non-functional. Since purchase, I have had to replace multiple parts, including the print head twice within just a few months. The product has not performed as advertised and has been unusable for extended periods of time. I filed a dispute with Klarna and initially received a full refund, indicating that Klarna found merit in my claim. However, Klarna later reversed that refund after relying on the merchants response, without properly considering the extensive documentation I provided showing repeated defects and ongoing failure of the product. Klarna then closed my dispute and reinstated the full balance of {$3500.00}. despite the product still being defective and not functioning as intended. I believe Klarna failed to conduct a fair and thorough investigation and improperly favored the merchants claims over clear evidence of a defective product. I am now being held financially responsible for a product that does not work and has required continuous repairs. Desired Resolution : Reopen the dispute and conduct a fair and thorough investigation Reinstate the full refund of {$3500.00} Provide documentation of how Klarna reached its decision to reverse the refund Remove or correct any negative impact this issue may have on my account I am requesting that Klarna be held accountable for this improper handling of my dispute and that this matter be resolved promptly. I have also tried to handle this with procolored. The merchant i purchased through without a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: OK

Complaint narrative:
On XX/XX/XXXX, I purchased a car which had a lien my state ( XXXX ) was showing active since XXXX. The bank that was the lienholder ( US Bank in XXXX, XXXX ) declined to send a lien release or letter of no interest, even though the lien had previously been released in XXXX, and their records showed no active lien. Even knowing that, they still refused to acknowledge in writing that they had no financial interest in the vehicle to allow me to title it.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I am filing a complaint against Resurgent Capital Services regarding repeated collection attempts on an alleged debt that is XXXX XXXX XXXX and clearly beyond the statute of limitations for collection. This debt is time barred under applicable state law. I also have not made any payments, acknowledgments, or activity on this account, ever. After the first letter was sent, on XX/XX/XXXX, I notified Resurgent, told them that I did not inquire about this account, and instructed them to cease all communication with me regarding this matter. Despite this, they have continued to send collection letters. Most recently, after my request to stop contact, I received ann additional letter dated XX/XX/XXXX, well after I told them to stop contacting me about this account. This behavior raises serious concerns under the FDCPA including, Continued communication after a written request to cease contact. Attempting to collect on a time-barred debt without proper disclosures. Harassing or abusive collection practices. I do not acknowledge this debt, and I do not consent to any further contact regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has exorbitant overdraft fees which have taken my account into the negative XXXX of dollars

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Thank you for your response regarding my complaint. In your reply, you stated that there was incorrect information in my original retail installment contract. I would like clarification regarding exactly what information was incorrect, how the error occurred, and how it affected my loan account. Please provide documentation showing : What specific information in the contract was incorrect Whether the contract was ever corrected or reissued How this error impacted my account balance, payment history, or the repossession process Any internal notes or records related to this issue Additionally, I noticed that my contract includes a {$4000.00} charge for a XXXX XXXX contract that appears to be listed as optional. I would like clarification on this charge, including whether this product was required for financing, how it was presented during the sale, and whether it was properly disclosed as optional. Since this contract was used to service my loan and initiate repossession activity, I want to ensure that all information used by your company is accurate and legally valid. I appreciate your prompt clarification so this matter can be fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NH

Complaint narrative:
I made a payment for XXXX of my student loans in full, as the payoff balance listed that day, and received this confirmation email from Ed-Financial : This email serves as confirmation of the payment you submitted on XX/XX/XXXX, captured below. Payment Confirmation # : XXXX Amount : {$10000.00} Scheduled for : XX/XX/XXXX Despite the payment confirmation, and my payment showing as pending for the last XXXX days on Ed-Financial, as well as the money being withdrawn from my checking account by the Department of Education ( the money came out successfully and in full on XX/XX/XXXX ), my student loans account is now reflecting that I have made no recent payments, and my loan balance is reflecting in full, continuing to collect interest. I tried to call at least 5 times today, and resorted to sending an email, which I have done numerous times in the past with no response. XXXX dollars is a lot of money to suddenly go missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I could pay had some financial issues with not working and they put it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Numerous overdraft charges never reimbursed I want to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I reviewed my consumer credit reports and identified multiple accounts and tradelines that are inaccurate, unauthorized, or do not belong to me. Certain items are reported inconsistently across credit reporting agencies, reflect conflicting dates of first delinquency, or lack documentation establishing my legal obligation for the alleged debts. I submitted an Identity Theft Report to the Federal Trade Commission asserting that this information is the result of identity theft, misattribution, or unauthorized use of my personal information. Despite notice, the credit reporting agency continues to report the disputed information without demonstrating lawful verification. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2, credit reporting agencies are required to block information resulting from identity theft or misattribution unless it can be fully verified in compliance with federal law. I am requesting immediate compliance and removal or blocking of the inaccurate information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a new account with Bank of America in response to a promotional offer that provided a {$500.00} cash bonus upon meeting specific deposit requirements. The terms of the promotion required that I deposit at least {$10000.00} within 90 days of account opening. I have fully met this requirement within the specified timeframe. My deposits exceeded {$10000.00} and were completed in accordance with the promotional terms. Despite fulfilling these conditions, I have not received the promised bonus. I have attempted to resolve this issue directly with Bank of America, but my efforts have not resulted in a satisfactory resolution or a clear explanation for the missing bonus.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I already submitted a complaint on here they replied but their information was not correct they did not investigate or they would be able to see that my account was taken over there was a one-time passcode requested in the middle of the night whatever signed into my account was not me or was it anywhere around me or anything I've ever used to sign into my account because I did not approve it I did not have knowledge of it before it happened and I reported it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt in fact exists

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was the victim of a fraudulent transaction totaling {$400.00} on Cash App. I was targeted by an individual using deceptive marketing and impersonation of a legitimate entity to induce this transfer. Upon identifying the fraud, I immediately took the following actions : Reported the scam through the Cash App 'Report a Scam ' tool. Requested a reversal of the funds and an investigation into the fraudulent recipient account. Requested live assistance to resolve the error. Despite these efforts, Cash App has failed to conduct a meaningful investigation, provide provisional credit, or offer a resolution. This is a direct violation of the Electronic Fund Transfer Act ( Regulation E ). Furthermore, Cash App 's failure to provide a live representative or a transparent dispute process appears to be a violation of the XX/XX/XXXX CFPB Consent Order ( XXXX ), which specifically penalized Block, Inc. for these exact systemic failures in customer service and fraud handling. I am requesting that Cash App fulfill its legal obligations by reversing this {$400.00} transaction and providing a formal report on their investigation into the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
It says on here I have a credit card account with them but when I call them they tell me I don't and I can no longer get one but it shows I have a number in a card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime closed my credit Builders account due to Bankruptcy and will not give me my money which is from my payroll check being direct deposited

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
After weeks of tracking this down with XXXX, I went back to the owner, XXXX, to handle the refund that was automatically paid by my insurance company when the servicer ( XXXX ) missed it. XXXX never responded to my request with the proper information. XXXX said they would handle it, and now it is with Shellpoint, who did reach out on XX/XX/XXXX and knew nothing about this issue. Shellpoint said they would follow up on XX/XX/XXXX, and they did not. On XX/XX/XXXX, I was sent an email telling me it was handled per our conversation, and it was not. I emailed them back and left a message, and to date, there has been no response. I also sent a lengthy email asking for a point person to navigate this because the {$1200.00} for the insurance was sent to XXXX prior, with the proof of payment, so this wasn't paid twice. TO DATE NO ONE FROM XXXX HAS REACHED OUT TO ME IN ALMOST XXXX WEEKS. I also have a question about the ownership and access to my files, as they have said they are not the owner, but Shellpoint disclosed that they are. If they are not the owner, then why do they have access to my loan, and why are they continuing to work on this? This complaint was sent to XXXX, but it has been another week, and Shellpoint has not circled back with XXXX or me to resolve. XXXX is navigating behind the scenes, but essentially nothing has been done to correct this in over a month. Also, the manager from Shellpoint that was appointed to me t resolve this has not followed up at all.

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