vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Date : XX/XX/year> Amount : XXXX I am disputing a services-related debt that is currently being collected by a third-party debt collector. The alleged debt arises from Clients on Demands eight-week coaching program, which is the subject of a pending class action lawsuit https : //www.clientsondemandlawsuit.com/ alleging violations of state consumer protection laws due to misleading and deceptive advertising. 

Specifically, Clients on Demand advertised the program with representations about results, benefits, and services that were not delivered as promised. These misrepresentations induced me to purchase the program. As a result, the debt is disputed based on deceptive trade practices and failure of consideration. 

Despite this dispute, and despite my confirmation with Clients on Demand that I do not owe this debt, third-party collectors continue to attempt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
I paid off my mortgage loan on XXXX with the balance given to me by the bank. They messed up applying my payment and it took them over a week to clean up their mess on my loan. To date I have not received my overage that was in their Escrow. I am owed approximately {$1600.00}, and they refuse to give it back to me. I feel I should also earn interest for the time they held my funds... if I owed them money there would be interest charged to me.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Klarna AB
State: CT

Complaint narrative:
I, XXXX XXXX, placed XXXX orders from the merchant XXXX on XX/XX/year> for XXXX. One order has a total of XXXX and the other has a total of XXXX. I paid both of these with a 6 month course plan from Klarna. The package was delivered outside my building and went missing, likely because it is stolen. I tried to get a refund through the merchant XXXX and could not despite all my proof of never receiving the package, so I opted for Klarna to investigate on XX/XX/year>. After a week of investigation and more going back and forth with the XXXX, neither Klarna or XXXX were helpful, so I requested that Klarna dispute the charge rather than offer investigation. I contacted their team about an investigation and asked questions of whether or not the current investigation they were doing involved a dispute or just checking with XXXX for a refund and asked for humans to review the case since they use AI. The human support person refused to answer my questions and told me to wait on the investigation. I then asked him a couple more times how to open a dispute but he still refused and told me to wait, so I asked if there was a way to go over Klarna 's head to their parent company, which he told me is illegal to give to me, despite it being under the Fair Credit Act that he can and I made this clear to him. After calling him out he told me I needed to wait and I got frustrated and screenshotted the conversation to provide proof of XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I got chase message about there might be a chance that my identity is stolen so they might deny my application. So I called them ( XXXX ) XXXX at XXXX on XX/XX/year>. I verify my information to them and they told me Congratulation, your application is approved. Your welcome bonus is XXXX. Then, they asked me do you want to proceed. Since this is high bonus for one time life bonus, so I decided to open due XXXX. But today, in my app it is showing me my new account offer for chase sapphire reserve card is XXXX, which got lowered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a card with bread financial ( comenity bank ). The bread cashback card. I had received a pre-approval offer that I used with a {$200.00} bonus for spending {$1000.00} in the first XXXX months which I did handily. After the XXXX months no bonus arrived. I've messaged them a few times since then and they have not been helpful, simply saying " if you are eligible you will get it eventually ''. 

They also charged a late fee because I was unable to make a payment due to their app being down.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
CFPB Response Failure to Conduct Reasonable Investigation ( Metro 2 / FCRA Noncompliance ) To Whom It May Concern, This letter serves as my formal response regarding the handling of my dispute related to the Credit Acceptance Corp account. 

According to the CFPB complaint record, no actions were taken by the furnisher in response to my dispute, despite my submission of valid identifying documentation and a clear request for reinvestigation. This failure constitutes noncompliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Metro 2 Credit Reporting Guidelines .

At the time of my dispute, I provided sufficient information to trigger a lawful reinvestigation. However, Credit Acceptance Corp failed to : Conduct a reasonable reinvestigation of the disputed information Correct, delete, or modify any inaccurate or unverified data Provide documentation supporting the accuracy of the reported account Demonstrate compliance with Metro 2 reporting standards Identify the method or evidence used to verify the account Under Metro 2 guidelines, furnishers are required to report complete, accurate, verifiable, and timely information. The absence of any corrective action or documented investigation indicates that the account was mechanically verified or ignored, which is not permissible under federal law. 

Furthermore, the continued reporting of this account without evidence of a proper investigation raises serious concerns regarding : Accuracy of account balance and status Authority to report the account Completeness of payment history Compliance with Metro 2 data integrity standards Because no action was taken and no documentation has been produced, the reporting of this account is now unverifiable. Continued reporting under these circumstances constitutes willful noncompliance with the FCRA. 

I am formally requesting that Credit Acceptance Corp either : 1. Provide full documentary evidence supporting the accuracy, ownership, and reporting authority of this account in compliance with Metro 2 and FCRA standards, or 2. Immediately delete the account due to failure to conduct a reasonable reinvestigation.

If this matter is not resolved promptly, I reserve the right to pursue all remedies available under federal law. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/year>

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 2026-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Creditly Corp.
State: MO

Complaint narrative:
I got a loan from the Credit Genie App in the amount of {$100.00}. My debit card expired and I was unaware that apparently once you set you debit card you can't change it to have your advance paid off. So I have contacted them multiple times via email because the first time I noticed I keep getting random charge for like {$11.00} {$12.00} both in the same day randomly throughout each month. Their subscription fee Is only {$4.00}. So I contacted them and asked them why this was being taken out and all they would respond is that I owe them {$100.00} ( it's actually like {$100.00} or something with the fee but I can't look because they have locked my app ). I have emailed more times asking them to cancel my subscription because like I said the locked my account but I keep getting the response to use my app. Obviously I can't. So I keep getting charged a subscription fee every month even though I've asked multiple times to cancel and I keep getting random charges I've asked them to apply towards my advance. As soon as I bring up these charges they quit responding back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion refused to remove inaccurate information from my report [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have requested a 1099C, debt validation its been a few months and they havent provided anything in the 30 days they arr allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Allied Consulting Services LLC
State: FL

Complaint narrative:
On XX/XX/XXXX this company started contacting distant relatives about a judgment for a debt collection trying to verify employment against my name without verification of the debt. 

Again on XX/XX/XXXX they tried to do the same thing with people that arent even related to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions LLC
State: MO

Complaint narrative:
XXXX  XXXX  sent bills to collection which they were sending invoices to the wrong address. This is a XXXX concern. They told my to update my address on their XXXX  login, however I did not need to update it becuase it was already correct in their system and did not need to be updated. No attempt was made to confirm my address on file, email or call or verify before sending to a debt collector who also had the wrong address. XXXX  has copies of my ID and confirms the billing address with each visit, and all that information would have confirmed at my correct address as I have not lived at the address they were billing since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
In XXXX i used the wrong account to make my credit card payment from an internal same bank account. Which i immediately corrected upon notice. Now each month despite the payment being made from an internal account at the same bame where there is immediate verification of funds they are placing a XXXX day payment hold on the payment despite the payment being made on time from an account with the funds in it. This hold exceeds the time it takes for it to be processed by XXXX days. When i tried to ask over the phone that the account be given a compliance review and i be given repeated notice of its completion t i was basically stonewalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX I wired to Chase bank {$100000.00} & on XXXX I wired to Chase bank {$98000.00}. Chase bank determined that the recipient of those wires were fraudulent. They did not return the money to my XXXX account. They gave it to the XXXX XXXX XXXX. I was not informed by Chase bank as to what happened to my money. Several months later the XXXX said they had my money. They reached out to me. Telling me it was a fraud. The XXXX eventually returned {$180000.00}. The XXXX kept {$17000.00}. Chase bank due to their error in not returning my wire transfers to my account were in violation of banking regulations as per the attorney general office of Florida. By their actions they cost me significant financial hardship. I paid taxes on this amount. After XXXX attempts by XXXX XXXX. Chase has ignored the issue. I want Chase bank to at least refund my {$17000.00} initially Chase bank reached out to me & said they would resolve this issue.Chase Executive OfficeXXXX assigned this reference # to the case. XXXX XXXX Chase bank XXXX office XXXX  is XXXX. Email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX i purchased a stove from XXXX XXXX I use my XXXX account so that I can slit up the payments made the purchase and it went through for full amount. I canceled the purchase, when purchasing on XXXX its connected to my XXXX account, so withdraw from there after a week of waiting for my refund back to my XXXX account it was refunded. Then then charged my account again after several hours on the phone with XXXX and XXXX I was told I would get my money back. At this time I paid XXXX dollars to stop paying on any further coming out of my account for this purchase. XXXX charged my {$670.00} which did not come out of my XXXX account they used my default account which was my Wells Fargo account no authorizations were ever made for them to take the money out of that account!! Wells Fargo aloud the purchase to go through without my authorization. When I contacted Wells Fargo I immediately was furious and they fronted me the money and said they would do an investigation if nothing happens within 10 days then the investigation is settled thats what they told me more than 10 days later after speaking to several people, they told me they will be taking the XXXX out of my account XX/XX/XXXX when I called to ask them why they were doing that after I thought that this had been settled and I did not even purchase a stove at all and I do not owe this money to anybody they told me that theyre legally not able to fight XXXX 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 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion LLC for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On or about XXXX, I submitted written disputes to TransUnion regarding inaccurate, incomplete, and unverifiable information appearing on my consumer credit report, including accounts furnished by XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX. 
TransUnion failed to complete a lawful and reasonable reinvestigation within the time required by 15 U.S.C. 1681i ( a ) ( 1 ). More than thirty-five ( XXXX ) days elapsed without proper compliance. Despite this, TransUnion continued reporting inaccurate and misleading information. 
On XXXX, I sent TransUnion a formal Failure to Comply/ Notice of FCRA Violations, providing an additional cure period. XXXX ( XXXX ) business days have now passed, and the inaccurate information remains. 
Specific violations include, but are not limited to : Reporting accounts as Paid and Closed or Closed while simultaneously showing past-due balances and XXXX day late statuses Failure to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) Failure to delete unverifiable information under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) TransUnion has not provided competent documentary verification, nor disclosed a lawful method of verification. Continued reporting at this stage constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
Product : Bank account / Debit card Issue : Problem with a purchase or transfer / Dispute handling What happened : I am filing a complaint regarding SoFis handling of multiple disputed debit card transactions involving XXXX XXXX XXXX. 
I

disputed several transactions after the merchant denied a clearly advertised and confirmed risk-free promotion and retroactively claimed I was ineligible. I provided extensive documentation, including written confirmations from the merchant verifying my eligibility, chat transcripts, emails, and promotional terms. Despite this, SoFi has delayed resolution for over 17 days, provided contradictory explanations, and refused provisional credits. One transaction ( {$20.00} ) was issued as a final credit immediately without investigation. Later, SoFi representatives gave conflicting explanationsfirst stating it was a discretionary write-off, then incorrectly stating it was approved by the merchant, and then admitting that statement was wrong.

All disputes involve the same merchant, same issue, and same evidence, yet are being treated inconsistently without clear justification. I was also told multiple times that the system will not allow further action and that escalation was not possible.

During this delay, I experienced financial hardship and was forced to use credit cards for essential expenses such as car and insurance payments.

I am requesting : A clear written explanation for the inconsistent handling of identical disputes Review by an executive or compliance-level dispute team Appropriate provisional credits consistent with Regulation E Written confirmation of SoFis dispute determination process and escalation denial I am not refusing investigation ; I am requesting fair, transparent handling consistent with consumer protection requirements.

Desired resolution : Proper handling of disputes, provisional credits where applicable, and written clarification of SoFis dispute and escalation decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) and loan/contract number ( XXXX ). 
I never received a complete copy of your Truth in Lending disclosure or the signed contract.

I am requesting a full copy of my signed loan contract and Truth in Lending disclosure for my XXXX XXXX XXXXXXXX, contract # XXXX. This includes all terms, finance charges, APR, payment schedule, and amounts paid. Under federal law ( 15 U.S.C. 1601 et seq. ), this disclosure is required and must be provided immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I called in to try to get information on my XXXX XXXX XXXX XXXX  debt amount of XXXX. I wast told debt is with XXXX XXXX and was given a phone number to call. Then I was told that the debt was with another company that it was never with XXXX XXXX. It is with Source receivable Management. I called and spoke to someone at Source receiveble management ask why I never received documentation of the debt with this company. I told them I never received a letter from them. They said my account was with them since XX/XX/year>. Never no notice or phone calls received. I ask for a letter of documentation from them with information the my account is with them they refused and said it was sent already they can not provide me with documentation. I told them I never received anything ask them what address the letter was sent to. They said they can not tell me information. I asked them for a settlement amount and was willing to pay but first I wanted documentation and or letter that my account is with this company. I never received and letter stating such and was never given the chance to dispute this debt. I should have received documentation from them.i should have received debt validation notice. FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation