vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Debt Co LLC
State: MO

Complaint narrative:
I am disputing the accuracy and legality of a collection account being reported and furnished by XXXX XXXX XXXX XXXX XXXX. This account has been reported with inconsistent and fluctuating balances ( including approximately {$7800.00}, {$9200.00}, and {$10000.00} ) without a clear, itemized accounting or explanation of how these amounts were calculated. I have submitted multiple disputes directly and through the credit reporting agencies. Despite this, the account has been repeatedly verified as accurate without a reasonable investigation or any meaningful response addressing the discrepancies I identified. The documentation provided does not establish a complete and verifiable chain of title or ownership of the account, yet it continues to be furnished to consumer reporting agencies. Reporting information that is inconsistent, unverified, or misleading violates the Fair Credit Reporting Act, including : - Failure to conduct a reasonable investigation after notice of dispute ( XXXX XXXX. XXXX ( b ) ) - Furnishing inaccurate or misleading information ( XXXX XXXX. XXXX ( b ) ) The continued reporting of this account has caused actual damages, including credit denials and adverse financial impact. I am requesting immediate correction and deletion of this account, along with appropriate resolution for the harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
In XX/XX/XXXX I purchased a jacket from merchant XXXX using Affirm as my payment method for {$83.00}. Before the item was even delivered, XXXX falsely marked my package as delivered when it had not arrived. I opened a dispute with Affirm immediately. The package arrived several days later. Once I opened the jacket it was completely different from what was advertised. The XXXX does not match the listing. The exterior fabric is matted, rough and itchy. The interior lining feels plastic and cheap. The stitching is coming apart at the seams. The zipper does not work. I have never worn or used it once. The jacket feels as though it was tumbled in a dryer on high heat despite never being worn or washed. The product photos on the website are also misleading about the thickness and quality. It appears thick and cozy in the photos but in reality it is oddly thin, cheap and nothing like what a reasonable person would expect based on the listing. I attempted to return it immediately but XXXX refused to provide a return address or return label despite multiple requests over nearly XXXX months. Their phone number does not work. They only offered store credit which I declined. They deliberately stalled me until their XXXX day return window expired making return impossible. Affirm closed XXXX separate disputes in the merchants favor despite photo evidence and emails showing XXXX acknowledged the problem in writing. On XX/XX/XXXX an Affirm agent named XXXX XXXX told me in writing that he was raising a dispute and that I would not be responsible for payments on this loan. Affirm then closed that case anyway. Affirm is now threatening to report this to credit bureaus and send to collections. I am requesting that Affirm cancel this loan balance. I should not be required to pay for a misrepresented product from a merchant who made return impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$30.00} Status Account charged off. {$30.00} written off. {$30.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. XXXX XXXX BANK Under dispute Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XXXX XXXX. XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2600.00} XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX CO Under dispute Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3400.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$3500.00} Status Collection account. {$3500.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$190.00} Status Collection account. {$190.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: AE

Complaint narrative:
On XX/XX/year> Goldman Sachs Bank USA closed my debt validation request and stated they mailed a debt validation packet to my registered address. I did not receive this packet and was not asked to confirm my current mailing address prior to mailiXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXoldman Sachs mailed sensitive financial documents containing my account history to an unverified address without confirming delivery, which does not constitute valid debt validation under the FDCPA. I am requesting the debt validation packet be resent to my correct address and that this case be reopened as the debt has not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XXXX opened my business bank account at Chase bank. I deposited a check XX/XX/year>, for XXXX. it cleared i saw it in my account. 3 days later they marked it investigation, and they closed my account. They said they will give me my money after they are done looking further into the check. it is XX/XX/year> and i have filed claim and have id but never received my funds and never can get to bottom if this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: SC

Complaint narrative:
I opened a new chime account through the link on their website where they advertised a new account bonus after qualifying direct deposit of {$500.00}. on XX/XX/2026 I made the required deposit but when I contacted an agent from Chime they said that the offer was not active on my account although I used their own website and met all the requirements. Further, they said there was nothing they could do to give me the new account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Reviewed my report and saw company reporting an outstanding debt that was never mine when I reached out to firm to validate debt and provide original agreement with my signature. XXXX was unable able to provide

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX My account was hacked. I did not give anyone my log in information, and the bank confirms someone was in my account. At the same time, the hackers were in my cash app, moving the money from my checking account to cash app and then to themselves. I submitted a claim with XXXX XXXX, and they denied it, stating it is the bank 's issue. The amount is a total of {$4400.00}. This is a very significant amount for me in that without it I will not be able to pay my mortgage or feed my children. Navy Federal review this for XXXX weeks and denied it. I sent it for appeal. They spent another week reviewing it. On XX/XX/XXXX, they sent a provisional credit for the full amount, with an email that said, if they decided to deny the claim, they would give me 10 days ' notice before pulling the credit out of my account. Today, XX/XX/XXXX, they removed the funds in full from my account without notification. Then I received an email a few hours later stating that my appeal was denied and that they would leave the credit of the {$4400.00} in my account until XX/XX/year>, but they didn't. They had taken it out earlier in the day. When I called to ask them why, they said it is their discretion, even though they sent me in writing something different. I can send all documents. They are now telling me to reach out to cash app. I have been with Navy Federal for 20 years, and they are not assisting with my claim and then leaving my account on overdraft as if I did something wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a dispute with Wells Fargo and emailed them all the supporting documents. Their supervisor confirmed that it was received. However they never attached my supporting documents to my dispute. Every time I call the customer service is horrible and there's always a language barrier. I called their XXXX office and they were even worse.

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 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: The Best Service Co.,Inc
State: CA

Complaint narrative:
I called the company to let them know that I'm interested in paying my debt but had financial hardship. The original payment was over {$300.00}, i ask can i do a settlement of {$200.00}, the gentleman said no he can only do {$250.00}. So when I asked if paying {$250.00} would always report to my credit as " paid off '' and erased off credit. The worker start giving very hostel, take it or leave environment and then just became rude and hung up in my face with no warming. I tried to call back to speak to someone and a lady by the name of XXXX who also switched her name to XXXX, wouldn't transfer me to a supervisor or give me a company email so i can escalate it with XXXX XXXX. That lady also hung up on me, It turn into me calling back to them continuing not giving me a company email and hung up in my face continuously. Horrible costumer service, who are rude and makes you not want to give your money and i would like to report this hostel environment.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Formal Complaint and Request for Investigation National Credit Systems To Whom It May Concern, I am submitting this complaint regarding a collection account being reported by National Credit Systems on my consumer credit report. The account reflects an alleged balance of {$2000.00} and indicates it was opened on XX/XX/XXXX. This account is currently listed as placed for collection and marked as account information disputed by consumer. I formally dispute the validity and accuracy of this debt. Despite the reporting of this account, I have not been provided with adequate validation or documentation proving that I have a legal obligation to pay this alleged debt. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I am requesting a full investigation into the reporting practices of National Credit Systems regarding this account. Specifically, I am requesting that the company provide : A copy of the original signed agreement or lease establishing the alleged debt A complete itemized statement explaining how the balance of {$2000.00} was calculated Documentation proving that National Credit Systems has the legal authority to collect this debt Verification that the debt information reported to the credit bureaus is accurate and complete If National Credit Systems can not provide proper documentation verifying this debt, I request that the account be removed from all consumer credit reporting agencies immediately. Additionally, I am concerned that inaccurate or unverifiable information may be negatively impacting my credit profile. Reporting unverified or inaccurate information violates federal consumer protection laws and can cause significant harm to consumers. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require National Credit Systems to either properly validate the debt or remove the account from my credit report. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Global Lending Services LLC
State: IL

Complaint narrative:
On XX/XX/year>, I called GLS to ensure that on XX/XX/year>, {$510.00} would be charged to my account from Global Lending Services. I confirmed this by contacting both my bank XXXX XXXX XXXX and GLS ( Global Lending Services ). They provided me with a confirmation number ( XXXX ). Today, on XX/XX/year>, I received a call during my honeymoon saying I never made a payment. I asked to speak to a XXXX, who confirmed my confirmation number, and I sent them an email with my bank statements. They also confirmed that the charged money was transferred from my bank to their company. Despite all this confirmation, a GLS manager told me that even though my statements match their records, my payment is still not in their system. I was then told I need to pay an additional {$510.00} to avoid a past due penalty or balance. I refused, as I have proof I already paid them. I told them if this was not resolved by the end of the day, I would proceed with charges for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: GA

Complaint narrative:
on XX/XX/2026 I withdrew XXXX from my XXXX XXXX account to my cash app account to pay my car note because I have it set to my cash app for auto pay. when I checked again on the same day it said it was transfered tXXXX XXXX XXXX XXXX with the card number ending XXXX which i do not have an account or card from them I filed a dispute with CashApp and XXXX XXXX no status on the mater to this day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for their failure to properly investigate a 'Service Not as Described ' credit card dispute ( Order # XXXX, {$3400.00} ). XXXX XXXX has repeatedly misclassified this case as a simple 'billing error ' or 'missing refund, ' despite clear evidence that the merchant committed a material breach of contract. The merchant, The XXXX XXXX XXXX, failed to deliver the custom services contracted. I have provided the bank with documented proof, including a 'custom ' draft from the merchant that refers to XXXX XXXX XXXX XXXX CA ' despite my business being located in Virginia. Furthermore, the merchant utilized imagery that constitutes false advertising ( equipment I do not own ) and used branding assets I explicitly rejected in writing. In an e-message on XX/XX/year>, XXXX XXXX informed me that they would only proceed if I provided a 'refund acknowledgment ' from the merchant. This is an impossible and illogical requirement, as the merchant 's refusal to issue a refund is the core reason for the dispute. XXXX XXXX is effectively allowing a merchant to keep {$3400.00} for an unusable, non-custom product by refusing to investigate the quality-of-service evidence and instead telling me to 'work directly with the merchant '. This is a failure of the bank 's responsibility under the Fair Credit Billing Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, At XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Re : Account/Reference No. : XXXX XX/XX/XXXX Debt Amount Alleged : {$610.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debt Amount Alleged : {$480.00} Original Creditor : XXXX. To Whom It May Concern : I write regarding the alleged debt referenced above. This communication is made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. XXXX. Validation request. Please provide, within 30 days of receipt of this letter, full validation of the alleged debt, including : * The amount of the debt; * The name and address of the original creditor; * A copy of any contract or agreement bearing my signature that allegedly creates or authorizes the debt; * A complete payment history showing how the balance was calculated. XXXX. Cease collection pending validation. Until you provide proper validation, you must cease all collection activities and communications with me regarding this debt, except to provide the requested validation, as required by 15 U.S.C. 1692g. XXXX. Cease prohibited conduct. You must not engage in any conduct prohibited by the FDCPA, including but not limited to : false or misleading representations ( 15 U.S.C. 1692e ), unfair or unconscionable means to collect ( 15 U.S.C. 1692f ), or communication with third parties about the debt ( 15 U.S.C. 1692c ). XXXX. Notice of damages and fees. If you have continued to contact me, reported the alleged debt to any consumer reporting agencies without providing proper validation, misrepresented the debt, or otherwise violated the FDCPA, I reserve the right to seek statutory damages, actual damages, injunctive relief, and reasonable attorneys fees and costs pursuant to 15 U.S.C. 1692k. If you wish to avoid litigation, provide the requested validation and confirm in writing that you will cease collection and will not report or will correct any adverse credit reporting related to this account. XXXX. Method of contact. After you provide validation, you may contact me only in writing at the address above, unless I notify you otherwise in writing. Please send the requested documents and confirmation to the address above within 30 days. If you do not provide validation or if you continue prohibited collection activities, I will pursue all available remedies. 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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I received a payment via XXXX on XX/XX/year>. I have been trying to access my funds but I can't access my square account at all. I have been attempting since to XX/XX/year> to access my account. I am being told I can not access my account with out my email address that I don't recall. I have advised I can provide my XXXX number, Drivers license and any additional information. They are holding my funds with no assistance. When I call they hang up. I know they have had numerous complaints regarding this matter. Its starting to be scam company and scamming business owners by holding their funds with no assistance.

Company response to consumer: Closed with explanation