vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I first learned about this debt from a letter I received via regular mail on Saturday XX/XX/year>. I called the agency referenced on the letter. When I finally spoke to a rep on Tuesday XX/XX/year> I was told the seizure of my tax refund was due to a personal {$500000.00} Covid-era EIDL loan and since then, interest had accrued. I was also informed, to get this personal loan, under by SS #, I would have to use real estate as collateral. The loan # is XXXX. The rep did not know the exact specifics about when the loan was secured. The notice that I received on Saturday was the first I had ever heard about this from anyone. I was advised to file an SBA Identity Theft Declaration- please see the attached. Assuming this loan was around the early Covid period, I was a victim of identity theft during this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
On XX/XX/year>, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX ( Order # XXXX ) for {$1100.00} using my Navy Federal debit card. The order was marked delivered on XX/XX/year>, however the delivery photo provided does not show my door or address. I never received the item. I contacted XXXX XXXX immediately within XXXX hours. They initially promised a replacement, then canceled it after their investigation, claiming the photo proved delivery. The photo does not show my property. I filed a police report ( Report # XXXX ) as directed by XXXX XXXX XXXX Best Buys own email subject line references this as a Lost Order yet they refused to refund or replace. I then filed a dispute with Navy Federal who also denied my claim. I requested reconsideration and was denied again. Navy Federal failed to protect me as a consumer on a clear non-delivery dispute despite documented evidence that the item was delivered to the wrong address. I am requesting a full refund of {$1100.00}. Additionally, the package required a signature upon delivery and no signature was obtained, yet it was marked as delivered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: AZ

Complaint narrative:
E * Trade closed my savings account after a month and refused releasing the funds. They sent me a letter stating that if I believed my account was closed in error, I had to contact them. I called them several times to verify it was me who opened the account, but they still withheld my funds. Please help resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: SC

Complaint narrative:
I am filing a complaint regarding a financing account with Healthcare Finance Direct for a laser treatment package purchased through XXXX XXXX on XX/XX/year>. I entered into a financing agreement specifically for a package of XXXX sessions laser treatments that were supposed to be provided over multiple sessions. However, the services were not fully completed. The provider stopped providing treatments under the original arrangement, and I was told I would need to contact a different provider to continue services. I never received any written documentation stating that my original provider would no longer complete the treatments and close or explaining how my purchased package would be honored. As a result, the services I financed were left unfinished. Because the services were not fully provided, I disputed the charges with Healthcare Finance Direct. My dispute was denied, and I was instructed to contact another provider instead XXXX XXXX. However, I did not agree to receive services from a different provider, and the original agreement was for services through XXXX XXXX. It is unfair and unreasonable for Healthcare Finance Direct to continue charging me for services that were not completed and that the original provider is no longer delivering. I am requesting that Healthcare Finance Direct cancel the remaining balance associated with this account and review and fully refund and solve the situation because the financed services were not fully provided as agreed. Additionally, I believe this situation constitutes billing for services that were not rendered. The financing agreement was tied to a specific package of laser treatments that were not fully provided. Because the contracted services were not completed, continuing to charge me for the remaining balance is unfair and does not reflect the services actually received. I am requesting a full review and refund of this account and the cancellation of the remaining balance associated with services that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed a XXXX XXXX Associates collection account appearing on my Experian credit report. Experian completed its investigation on XX/XX/year> and marked the account as updated, but continued reporting the account as a collection with a past due balance. After that investigation, I requested Method of Verification under 15 U.S.C. 1681i ( a ) ( 7 ). Experian did not provide the specific procedure used to verify this account. Experian did not disclose : the method used to verify the account, the documentation reviewed, the date verification was completed, or the identity of the party providing verification. Instead, Experian provided only a generic dispute result stating consumer disagrees. The furnisher later responded through CFPB with a narrative explanation but still did not provide documentary validation such as original account-level documentation or complete transfer records. Experian continues reporting this account without disclosing the method of verification required under the Fair Credit Reporting Act. I request that Experian either provide full Method of Verification as required by law or delete the XXXX XXXX XXXX account from my credit file.

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 2026-04-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am filing a formal complaint regarding my Way2Go card, which I was informed would be issued to me but has not yet been received. I have attempted multiple times to contact customer service for assistance, but I have been unable to reach a representative or obtain any information about the status of my card. This situation is causing significant inconvenience, as I am unable to access the funds that are intended to be provided through this card. It is extremely frustrating to have no way to speak with someone or receive clarification on when I can expect delivery or how to resolve the issue. I am requesting immediate assistance with the following : Confirmation that my Way2Go card has been issued The date it was mailed Instructions on how to request a replacement card if necessary Any steps I need to take to ensure I receive my card as soon as possible Please contact me as soon as possible to resolve this matter. I would appreciate prompt attention to this issue so I can access my funds without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

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 2026-04-15 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: Affirm Holdings, Inc
State: VA

Complaint narrative:
On XX/XX/year>, I used Affirm to make a purchase from a merchant called XXXX in the amount of {$190.00} I never received the product. I contacted the merchant regarding the missing order, and they refused to provide a refund and stated I would not be refunded if I cancel. I attempted to dispute the transaction through Affirm, but their system repeatedly gives an error and does not allow me to submit a dispute. Because of this, I have been unable to properly report the issue through their platform. I have made attempts to resolve this directly, but no resolution has been provided. I am requesting that Affirm investigate this transaction, pause any payments related to this loan, and issue a refund or cancel the balance due to non-delivery of the product. I can provide proof of purchase and lack of delivery if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I found out that I have an unknown charge on my Current credit building account from XXXX, so I decided to contact XXXX customer service- they confirmed that they dont know anything about it and referred me to my bank to dispute the charge. My bank sounds robotic, I sent them screenshots where its black on white clear and they still let me get robbed and deny the unknown charges, they told me that they will communicate with me via email but they didnt even confirm receiving the photos of the proofs and they never cared to help. They just deny it and when I called, they acted passive agressive, not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The Debt it was a fraud and now for some reason its on my credit its not supposed to be appearing in my credit since I talk with my auto insurance agent and they said that this should no go to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: Moss Law Firm, P.C.
State: TX

Complaint narrative:
This complaint serves as a formal dispute of the alleged debt referenced above and demand for creditor to Cease and Desist. Activity on this account was the result of medical expenses of a now deceased family member. On or about XX/XX/year>, XXXX XXXX XXXX charged-off account ( the Account ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I would like to provide an update regarding my complaint against Wells Fargo. On XX/XX/year>, I visited a Wells Fargo branch in person to address the issue of the outstanding check in the amount of {$110000.00}, which I have not received. I was informed that the branch was unable to assist me immediately due to high volume and was instead given an appointment scheduled for XX/XX/year>, at XXXX XXXX for a XXXX session. While I appreciate that an appointment has been scheduled, the funds remain outstanding, and no immediate action has yet been taken to stop payment on the original check or reissue a replacement. I will be attending the scheduled appointment and expect that this matter will be resolved promptly. I kindly request that Wells Fargo be notified to take the necessary steps in advance to ensure that the check is reissued without further delay. Thank you for your continued assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
This complaint concerns the collection of a debt based on misrepresentation of the amount owed and failure to honor confirmed billing terms. I received care from XXXX XXXX XXXX on XX/XX/XXXX. I was not informed until XXXXafter my account had already been sent to collectionsthat my insurance was not accepted as of XX/XX/XXXX. This lack of disclosure prevented informed financial consent. Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX calls, including with my XXXX ( XXXX ). During these communications, I was repeatedly told : My Explanation of Benefits ( EOB ) was received My corrected balance was {$310.00} My account would be placed on hold My account would not be sent to collections Despite these explicit representations, the provider sent {$1200.00} to collections, which does not reflect my confirmed responsibility. Due to concern over potential credit damage, I paid the collection balance under distress. This payment resulted directly from inaccurate representations and failure to honor confirmed billing actions. I also attempted to resolve this through formal complaints and escalation but was met with dismissive and unprofessional treatment. The amount placed into collections did not reflect my confirmed responsibility per the EOB and prior representations, resulting in the collection of an inaccurate debt. I am requesting financial remediation, including appropriate compensatory relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Credit Collection Services ( CCS ) for attempting to collect a debt from me in the State of Florida without holding the required Florida XXXX XXXX XXXX XXXX. I reviewed the companys licensing information through the XXXX XXXX XXXX XXXX ( XXXX ). XXXX currently holds XXXX active state licenses, but XXXX is not XXXX of them. They are licensed in states such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others but not XXXX. Under XXXX Statute 559.553, any thirdparty debt collector must hold an active XXXX Consumer Collection Agency License before attempting to collect from a Florida resident. Because CCS does not have this license, they are not legally authorized to collect debts in Florida. Despite this, CCS has attempted to collect from me. Attempting to collect without proper state licensure may violate : - The Florida Consumer Collection Practices Act ( FCCPA ) - The federal Fair Debt Collection Practices Act ( FDCPA ) I am requesting that the CFPB investigate this matter and require the company to : - Provide proof of a valid XXXX collection agency license ( if they believe they have XXXX ). - Explain why they are attempting to collect in a state where they are not authorized to operate. - Cease all collection activity directed at me in Florida unless and until they obtain proper licensure. - Remove any negative credit reporting related to this account, if applicable. I have attached a screenshot from the NMLS Consumer Access system showing that CCS has no active Florida license. Thank you for your assistance in resolving this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was the victim of a phone scam over the past XXXX days. The scammer used social engineering to manipulate me into buying gift cards with my credit card. I called them and they refused to help, saying since it was gift cards theres nothing they can do. I was under duress and these transactions were unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the inaccurate and misleading reporting of the following account. This account is being reported in a manner that is not consistent with the requirements set forth under federal law. The current reporting reflects a derogatory settlement accepted status despite the account having a XXXX balance and no ongoing obligation. This creates a misleading and damaging impression of my creditworthiness. Under FCRA 1681e ( b ), all information furnished to consumer reporting agencies must be accurate and reflect the maximum possible accuracy. The continued reporting of a settled account in a derogatory manner fails this requirement and presents an incomplete and unfair representation of the account. Additionally, pursuant to FCRA 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information at all times. Reporting a paid and closed account with a negative designation, without properly reflecting its resolved status, is a violation of this obligation. Furthermore, under FCRA 1681i, upon receipt of a dispute, there is a duty to conduct a reasonable reinvestigation of the information being reported. If the information can not be verified as accurate, complete, and compliant with federal standards, it must be promptly deleted. Given these violations, I am formally demanding the immediate deletion of this account from all consumer reporting agencies. If deletion is not performed, then all derogatory language, including any reference to settlement accepted, must be removed and the account must be updated to reflect a neutral, non-damaging status. Failure to comply with these federal requirements will constitute a willful violation of the FCRA, and I am prepared to pursue all available remedies to protect my rights as a consumer. Please complete your investigation and provide confirmation of the deletion. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Lien release
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am filing this complaint to document a pattern of deceptive conduct by XXXX XXXXXXXX. I previously applied for and was approved for XXXX 's Homeowner Assistance Fund ( HAF Application # XXXX ) specifically to retire a junior lien on my property. The lien release was recorded with XXXX XXXX on XX/XX/year>. In their response to my prior CFPB complaint, XXXX XXXX denied that this lien had been properly resolved. However, XXXX XXXX simultaneously sent me a marketing email stating I may qualify for XXXX financial assistance to pay down that same junior lien the exact assistance I had already been approved for and used to satisfy this obligation. Additionally, XXXX XXXX XXXX own records reflect this obligation was classified both as a junior lien and as " other monies owed '' XXXX designations for the same satisfied debt. This dual classification, combined with their denial to the CFPB and their simultaneous marketing of XXXX assistance for that lien, demonstrates XXXX XXXX knowingly misrepresented the status of this account to a federal regulator. As a direct result of XXXX XXXX XXXX continued false reporting, I received an adverse action notice from XXXX XXXX citing factor code XXXX derogatory mortgage data causing documented financial harm. I am seeking full monetary damages to be determined, complete removal of derogatory reporting from all three credit bureaus, written confirmation of lien satisfaction, and correction of all internal account classifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
XX/XX/XXXX I was made an offer to secure my charged off vehicle and I agreed with the offer but it was Saturday and they stated they were open Monday through Friday from XXXX XXXX and then they took the car in the middle of the night without honor their settlement offer

Company response to consumer: Closed with explanation