vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: Marlette Funding, LLC
State: FL

Complaint narrative:
I sent the full payoff amount to Best Egg on XX/XX/year>. Best Egg did not record payment until XX/XX/XXXX ( XXXX  days later ). In that time, my regular monthly automatic payment was also sent to them on XX/XX/XXXX. They refused to turn off that payment in advance. 

They said there was nothing they could do about the interest charged between the date I sent the payoff amount and when they marked it as received. 

They said I would receive a refund of the overpayment no later than XXXX  days from XXXX XXXX. That date has come and gone and they have ceased communicating with me on this topic. I have no other recourse but to file a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges.

The name and address of the original creditor.

Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt.

Proof that you are licensed or otherwise authorized to collect debts in my state.

Documentation demonstrating that you have the legal right to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I am filing a complaint regarding Absolute Resolutions Investments LLC for re-aging and re-reporting an identity-theft debt. 

This account was previously removed from my credit report due to identity theft. Absolute Resolutions later purchased the debt from XXXX and re-reported it, changing the delinquency dates and making the account appear newer than it is. 

I requested written validation from Absolute Resolutions and received no response. Despite this, they continue to report the account to the credit bureaus. 

Re-aging a debt and reporting identity-theft debt without validation violates the Fair Credit Reporting Act ( 15 U.S.C. 1681c, 1681c-2, and 1681s-2 ) and the FDCPA. 


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Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The following perk of the Chase Sapphire Reserve is being actively advertised : {$300.00} XXXX XXXX XXXX for Chase Sapphire Reserve and XXXX XXXX XXXX XXXX XXXX A statement credit will be automatically applied to your account for dining purchases at select restaurants up to a maximum accumulation of {$150.00} in statement credits from XX/XX/XXXX through XX/XX/XXXX and up to {$150.00} from XX/XX/XXXX through XX/XX/XXXX, for a total maximum accumulation of {$300.00} in statement credits each calendar year. Calendar year means XX/XX/XXXX through XX/XX/XXXX of that same year. XXXX credit periods end at XXXX XXXX XXXX  on the last day of the period. Please note that merchant delays in the processing or submission of transactions can cause purchases made during XXXX statement credit period to be allocated to the next period. 
To qualify, dining purchases must be identifiable by Chase as having been made directly with the select restaurants. Certain types of purchases may not be identifiable and will therefore not qualify ; for example, merchandise, gift cards and purchases made through XXXX party services ( such as third-party payment processors or delivery platforms ). Please allow XXXX to XXXX weeks for statement credits ) to appear on your monthly credit card billing statement. The {$300.00} Annual Dining Credit must be available at the time qualifying purchases are made to be applied to your account. We may reverse statement credits if an eligible purchase is returned, canceled, or modified or if you close your account within XXXX days of receiving a statement credit. For more information, including the list of select restaurants, go to XXXX or call the number on the back of your card. 
The list of select restaurants is subject to change. 

The restaurant I went to is XXXX XXXX XXXX XXXX, and it is a restaurant displayed on XXXX XXXXe under the XXXX XXXX XXXX  program. 

I have already dined at XXXX other restaurants from the program and received the credit. XXXX XXXX XXXX XXXX XXXX are XXXX restaurants that I received the credit from. I was told by customer service that XXXX does not quality, even though its on the same exact listing as both XXXX XXXX XXXX and XXXX. 

I made a dinner purchase for XXXX on XX/XX/XXXX, and the transaction posted on XX/XX/XXXX. I was charged {$97.00}. 

I went to dine here again on XX/XX/XXXX, and the transaction posted on XX/XX/XXXX and was charged {$80.00} Both transactions were did not receive credits for the {$150.00} dining credit even though XXXX XXXX XXXX is part of the XXXX XXXX XXXX XXXX  on XXXX. 

The restaurant can also be actively seen here XXXX XXXX XXXX XXXX There is no mistake. This restaurant DOES qualify for the credit and the marketing team falsely told me that it isnt eligible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called chase credit company to let them know my card compromised. I asked them to issue a new card and closed the lost one. The Credit company had not closed the lost credit card, so all fraud purchase transfer to the new credit card. My credit score is very good and I had never had any delayed payment as all bills paid via direct deposit. I noticed my credit payment is {$49000.00}, so I called credit company to let them know those purchase is not mine. Credit company credited me back just for 2 months. Initial call I made was in XX/XX/year> and second call to inform them about the issue was in XX/XX/year>. So, I auto paid all purchase from XXXX to XX/XX/year> but the credit company not reimbursed me correctly. 
I told the investigator about my call in XX/XX/year> and question them why the credit company forgot to cancel the old credit card until I called them in XXXX. They have my voice record of XX/XX/year> when I asked them to close the old card even I request them none of the old charges should not transfer to my new card. They made a huge mistake and financially burden my business and now refused to credit me back. The credit card company is chase bank credit. Please contact me for further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: MS

Complaint narrative:
Interest has gone up after making payments through the military

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or unauthorized information on my credit report. Because this inquiry was not authorized by me, I am requesting that it be investigated and removed immediately. 
Please provide written confirmation once the investigation is complete and the inquiry has been deleted. If you require additional information from me to process this dispute, please notify me promptly. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding LLC is reporting inaccurate and misleading information on my credit report. 

The account is being reported with an incorrect status and balance and is inaccurately presented as an open account. Additionally, LVNV Funding is misrepresenting itself as the original creditor, despite being a debt buyer. 

I have previously requested validation and correction of this account, but the inaccurate reporting continues. This misrepresentation is negatively impacting my credit.

I am requesting that LVNV Funding either provide proper verification supporting the accuracy of this tradeline or remove the account entirely from my credit report within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I send letter XXXX XXXX  and didn't get no information from them they are Jefferson capital systems and XXXX XXXX XXXX I don't have no debt with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
This company reported to my credit that I have an unpaid debt with a local gym. I went in and canceled with the gym and left my account at a XXXX balance. I had told this debt collector that its been handled and they refuse to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Mercury Financial Intermediate LLC
State: MD

Complaint narrative:
I called mercury cards a few moments ago and reached a lady by the name of XXXX. I went through all the verification with her and then told her the purpose of my call and that was to obtain my account number to do a balance transfer. She said the information will not be provided to me as that is against your policies. She proceeded to say that she is blocking my account and putting it under review and that it will take weeks to remove the block. My account has always been in an excellent condition from when it was opened. 
They are trying to delay the process to prevent me from doing the transfer to my new credit card company during the period allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I recently filed a complaint with your office against U.S. Bank regarding two credit card charges from XXXX. 

Both disputes were resolved in favor of the merchant. What is troubling is that the first dispute was opened and closed four different times, each time with a different reason given for the resolution. I exercised my right to appeal and specifically requested the merchants proof of the charges. Despite this, U.S. Bank did not provide documentation showing that the merchant was even contacted, nor did they provide any proof from the merchant. Yet each time, the dispute was resolved in the merchants favor. 

After this, I filed a complaint with your office because I was told that this is where consumers go when a bank has failed to handle a dispute properly. I believed the purpose of your agency was to help correct situations like this. Instead, I was left with no meaningful assistance and no explanation as to how a dispute can be resolved without evidence. 

So I am asking a very simple and serious question : If neither the bank nor a federal consumer protection agency can stop or correct this behavior, and I am left responsible for charges without proof, what protections actually exist to prevent any merchant from doing this? What mechanism is in place to stop merchants from charging consumers without accountability if no agency has the power to intervene? 

I am not asking for sympathy. I am asking for clarity. Right now, it appears there is no enforcement at all. 

Sincerely, XXXX XXXX

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 2026-02-05 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: Klarna AB
State: MS

Complaint narrative:
I am filing a complaint against Klarna regarding its refusal to properly resolve a dispute involving goods not delivered as described, despite clear evidence and merchant admission. 

I purchased a wig from XXXX XXXX using Klarna financing. After delivery, it became immediately apparent that : The wig was not the size or type I ordered The premium packaging I paid extra for was incorrect The product delivered did not match the specifications of my order XXXX XXXX acknowledged in writing that the order was incorrect and that the wig and packaging did not match what I purchased. Despite this admission, the merchant attempted to offer only a partial {$30.00} refund and a gift card, while claiming there was no issue with the product itself. 

I disputed the charge with Klarna and provided documentation showing that : The goods were nonconforming The merchant admitted the error Klarna denied or failed to properly resolve the dispute and has continued to treat the charge as valid. 

Under the XXXX XXXX XXXX XXXX  ( 15 U.S.C. 1666 ), delivery of goods that are not as described or not delivered as agreed constitutes a billing error. A merchants admission that the wrong goods were delivered is clear evidence of breach of contract. 

Klarna, as a Buy Now, Pay Later provider extending credit, is required to : Conduct a good-faith investigation of billing disputes Not hold consumers liable for charges involving nonconforming goods Not require payment while a valid dispute is pending By refusing to acknowledge the merchants admission and denying relief, Klarna is allowing a merchant to retain payment for goods that were never properly delivered, which may constitute an unfair billing practice. 

Additionally, requiring a consumer to accept store credit or a gift card instead of a refund for incorrect goods is inconsistent with basic consumer protection standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: AL

Complaint narrative:
I never applied for or signed a credit agreement directly with American Credit Acceptance. The vehicle was originally purchased through a buy-here-pay-here dealership that did not report credit. Any transfer of this account to your company occurred without my consent. I no longer have possession of the vehicle. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), please provide : A copy of the original signed contract bearing my signature Proof of assignment or transfer from the original dealer A complete payment history and itemized balance Proof that you have the legal authority to collect and report this debt If you are unable to validate this debt, you must cease reporting it to all credit bureaus and remove it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: PA

Complaint narrative:
I reached out to the company several attempts via emails and phone calls. The company still continues to validate a debt I have no knowledge of. I explained to the company about identity theft and previous police reports I filed in the past. I also can provide social security documents and drivers licenses to prove the debt is not mine and should not reflect on my credit as valid debt. I have attempted every aspect with this company and they are trying to force me to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by Resurgent Capital XXXX  on behalf of LVNV Funding LLC, originally from XXXX XXXX XXXX. 

On or about XX/XX/year>, I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I requested a copy of the original signed agreement, proof of ownership or assignment of the account, documentation showing legal authority to collect, and a complete itemized accounting of the balance. 

The company responded only with an account summary and billing statements. These documents do not constitute proper validation of the debt. 

I subsequently sent a second written validation request disputing the debt again due to insufficient documentation. The company again failed to provide competent evidence or proper validation as required by federal law. 

I also disputed this account with the credit reporting agencies ; however, the account continues to be reported as verified despite the companys failure to properly validate the debt. 

I believe this conduct constitutes violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including failure to validate the debt and furnishing information without conducting a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I opened an account for the XXXX XXXX on XXXX XXXX. The credit limit was {$3400.00}. I have made monthly payments of XXXX sometime {$200.00} per month. The balance is never ending. I noticed an interest charge of {$2100.00} on XX/XX/year>. That seems criminal and when asked why I have made over {$5000.00} in payments yet still owe over {$4000.00}. I am being told my {$5000.00} was going towards interest. This is a ridiculous amount and I need help investigating this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I have been unable to access my high-yield savings account with Barclays bank since XXXX.Barclays requested high yield savings account verification information from me back in XX/XX/year>. The information requested was a social security card and a government issued identification document. The methods for providing were via email, mail, or fax. I provided the requested documents via all three methods multiple times. I also called and contacted the customer service database to ask for an update on my account, each time they told me to resubmit the information. When I asked to speak to a manager they told me that a manager would call me back in 24 to 48 hours, I never received a call back at any point in time. I have sent the requested information over and over and also spoke to customer service twice again today who continued to say the same thing. I just received an email that my online account has been locked. I am unable to access the funds in my savings account until they review the submitted information which they also can not confirm if they have received. There are also no in person Barclays Bank 's that I can attempt to solve this in person. This bank is stealing people 's money and not giving them access to it. Fraud!!

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 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
CITI omitted statements for XX/XX/XXXX and XX/XX/XXXX " because no new balance as added ''. They refused to provide these statements electronically or add them to my account website.

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 2026-02-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/XXXX chime locked my account notification said unusual activity I called immediately due to being in line at XXXX about to pay talked back and forth explained that its me read all my recent transactions not every but handful of the recent and they said its nothing they can do I have to wait XXXX to XXXX .. XXXX I got notification my account is back to normal Ive been stressing so much about the situation I refreshed my screen to confirm its real and it locked back for the same reason but I never had a chance to use my card to have unusual activity called they gave the same type of deflection its the system wait again and XXXX later account was closed I submitted a complaint on this but I just want to upload some recordings of theyre lies they told me the investigation determined I dont get my money but they responded to THE CFPB that they are investigating its not a movie or a game and I have XXXX kids I provide for Ive been selling my belongings to make sure we can eat Im behind on bills I cant even get body wash my account balance was from XXXX XXXX XXXX settlement so Im not able to work or I would but thats irrelevant THEY ARE BASICALLY STEALING MY MONEY AND MY KIDS XXXX and XXXX suffer from their shady business Im breaking down I just stop struggling waiting on my insurance payment and they send me right back to the bottom of XXXX and struggle its not fair especially to my kids PLEASE HELP IM BEGGING I JUST WANT WHATS MINE I SHOULDNT BE GOING THROUGH THIS HELP PLEASE

Company response to consumer: Closed with explanation