vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year> I received an email about a suspicious charge. {$81.00}. I disputed the charge via the phone and in a response to the email. I was told to destroy my existing card ending in XXXX, and I'd be issued a new one. As I rarely, if ever used that card in a few years... I didn't give it much more thought. I got an email stating my credit limit had changed XX/XX/XXXX. In XXXX we were preparing for a XXXX month stay in XXXX ... at which time my mail was forwarded to XXXX. I then called to inquire my balance and payed off 98 % of it, still waiting for a result regarding the disputed charge. After getting to XXXX I mentioned to my better half I never received that new card. Fast forward to the end of XXXX and I received a letter via XXXX. This letter informing me I owed {$180.00} on a card ending in XXXX. PAST DUE. I immediately got on the phone to Citi Bank. After almost XXXX hours of being passed around from this department and that department, I informed each representative about half way through the call they were being recorded. I was MORE than frustrated by this point. I finally spoke to a rep that agreed to drop the late fees and I'd just pay the disputed charge, close the account. I was then transferred AGAIN to customer service. Where I was then told the late fees couldn't be overridden. I again requested the disputed charge be investigated. And ended up at square 1. I received another email stating I now owe $ XXXX including the fraudulent charge and all late fees. To avoid any derelict marks on my credit report I wrote a check for the minimum due with " under duress '' on the memo line. At this point I don't think I should be responsible for the original disputed charge/late fees/penalties. Can you please help me resolve this in a timely manner? My credit score has now dropped XXXX because of this delinquent account Thank You, 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 monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX using Affirms XXXX XXXX XXXX app. I returned the XXXX on XX/XX/XXXX, and was expecting a refund the amount of XXXX $ However, the refund never appeared in my account. I contacted Affirm customer service in XX/XX/XXXX, and they assured me that the money was sent to a different loan account and that they would fix the issue promptly. Despite this, nothing happened. I then requested a dispute for the missing funds. After their investigation, Affirm told me that they approved a refund check that would be sent to me within 30 days. I received nothing. When I contacted them again, they said they would void that check and send another one, but as of now, I still have not received any refund. I have contacted customer service multiple times over several months, but the issue remains unresolved. I am requesting that Affirm immediately process my refund or provide proof of payment. I have attached all relevant communications and merchant documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Re : Formal Dispute of Inaccurate Credit Reporting To whom it may concern, I am writing to formally dispute inaccurate information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question is : Creditor/Collection Agency : National Credit Systems XXXX XXXX XXXX Account Number XXXX XXXX This account is being reported in connection with XXXX XXXX XXXX ; however , the information being reported is inaccurate and misleading. Specifically, I dispute this account for the following reasons : I was not legally responsible for any obligations beyond XX/XX/XXXX, when the original lease term ended. I did not enter into, authorize, or consent to any month-to-month tenancy thereafter. The charges being reported ( includingXXXX XXXX rent and alleged damages ) are invalid and unsupported. The apartment was vacated on XX/XX/XXXX, with proper notice provided, and no damages beyond normal wear and tear existed. Pursuant to the Fair Credit Reporting Act, I am requesting that you : Conduct a reasonable investigation into this matter ; Provide verification of this account, including all supporting documentation ; Remove this account from my credit report if it can not be properly verified ; Provide me with written confirmation of the results of your investigation. Please note that reporting information that can not be verified or is inaccurate is a violation of federal law. I have enclosed supporting documentation for your review. I expect this matter to be resolved promptly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
EQUIFAX WHAT HAPPENED : Equifax is reporting false, fraudulent, and unverifiable information on my consumer credit file. I have a fraudulent collection account from XXXX XXXX XXXX ( XXXX ) that was opened without my knowledge or authorization. I also have unauthorized hard inquiries from XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX ) that I never authorized. Equifax is also reporting unverified addresses that do not match my identity documents. I submitted a formal written dispute via certified mail on XX/XX/XXXX with my FTC Identity Theft Report # XXXX, XXXX State ID, utility bill, and Social Security card attached. Equifax has failed to meet their reinvestigation obligations under FCRA 1681i. These inaccuracies are causing direct financial harm and denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing a complaint regarding an account being reported by LVNV Funding LLC. I previously requested validation of this debt in writing, which was delivered on XX/XX/year>. The company acknowledged my request but failed to provide proper validation by mail. Despite this, the account continues to be reported to credit bureaus and was marked as verified without providing me documention proving the debt belongs to me. I have only received general collection emails and no proper validation documents such as signed agreement, full amount history, or proof of ownership. I am requesting that LVNV Funding LLC either provide proper validation of this debt or remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: CT

Complaint narrative:
Wells Fargo bank removed a temporary credit for {$990.00} that was taken from my account in a scam. On, XX/XX/XXXX, I was contacted by what I thought was XXXX XXXX issuing me a refund that was due to me, when in fact it was a scam by another person. In providing my account info, I was charged {$990.00}. Wells Fargo has seen taken the funds back after issuing a temporary credit. I believe that I should be entitled to this money under Regulation E which covers unauthorized electronic fund transfers, as i contacted the bank within XXXX hours as well as the company XXXX, from which the scam originated.

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 2026-04-09 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I recognized several transactions on my Apple Card from XXXX but realized I have not used that card on XXXX in years. I contacted Apple and several of the transactions were removed but some were not. XXXX transactions in XXXX I have disputed several times and Apple claims they are valid with no further information justifying that conclusion. The charges are on XX/XX/XXXX for {$25.00} ; XX/XX/XXXX for {$8.00} ; and XX/XX/XXXX for {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My legal name is XXXX XXXX, email address is XXXX, phone number linked to my account is XXXX on XX/XX/XXXX around XXXX XXXX. The XXXX amount was {$4000.00} and the XXXX amount was {$2000.00} for a total of {$6000.00}. I XXXX XXXX received a call from a number registered as Wellsfargo. The individual told me that my WellsFargo accounts ( XXXX ) had been compromised due to a wire transfer that was suspected as a result of a transaction from a guy named XXXX XXXX, from XXXX, XXXX. I asked how do I know that this was not a scam and was told that this was not a scam and if I look at the number on the back of my card, then it would show the same exact number that called me. Apparently this scammer has some way to Spoof calls to show Wells Fargo contact information. The caller was also able to confirm my address, last XXXX numbers of my social security number and the last XXXX numbers of my debit card without me providing any of this information during the call. I was then told my account would be frozen and the FDIC insurance department would speak to me about transferring my money to my new Wellsfargo account. I was transferred to another person who they said was with the FDIC ( which I thought was a federal crime ). The individual on the phone also sent me a XXXX time passcode for my account. In order to change my password which they recommended due to my account being compromised. I was then provided with what I was told to be my new savings and checking and account numbers. I was asked to go to my cash app to transfer the amounts to my new accounts twice for my savings account and my checking account. I have also attempted to resolve this with Wells Fargo several times and XXXX separate claims were filed for an investigation to occur. All XXXX claims were denied and I was advised to reach out to XXXX in order to resolve this error. I am requesting a thorough review of these scammed transactions and that a favorable decision is reached on my behalf. The money that I was scammed out of was to provide a better life for my family for the purchase of our dream home. Without these funds, we will have to forgo our plans to move forward with locating a home. I am also attaching the denial letters and the last XXXX digits of the accounts that the funds went to from XXXX. I hope this information is helpful. I have already received a response from XXXX today XXXX and was told that they could not help me after further investigation, Please feel free to reach out to me if you have any additional questions.

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 2026-04-09 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: CL Holdings LLC
State: PA

Complaint narrative:
I am filing a complaint regarding Jefferson Capital Systems for reporting an unverified and potentially inaccurate collection account on my credit report. The account in question has a balance of {$2500.00} and is currently being reported without proper validation. As a debt buyer, Jefferson Capital Systems is required to provide documentation proving that I owe this debt and that they have the legal authority to collect it. To date, I have not received sufficient proof, including : - A signed agreement or contract - Documentation from the original creditor - A complete and accurate account history Despite this, the company continues to report this account, which is negatively impacting my credit and ability to obtain financing. I have disputed this account with the credit bureaus, yet it remains on my report without proper verification. I am requesting that Jefferson Capital Systems : 1. Provide full validation of this debt, OR 2. Immediately delete this account from all credit reporting agencies If they are unable to meet verification requirements under federal law, this account must be removed. I am seeking a prompt resolution to prevent further damage to my credit profile. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Issue : Auto loan refinance title/lien processing failure I refinanced my vehicle loan with Navy Federal Credit Union in approximately [ XX/XX/year> ], after being told they would handle the payoff and title transfer process. Since then, this has turned into a XXXX day issue requiring multiple calls, a branch visit, and several hours of my time. XXXX of issues : The original loan with XXXX XXXX was not properly completed as expected, and I was later told I needed to bring in a payoff check myself. They said no further action needed. Then still not complete called and they said I need to, including physically delivering a lien release to a Navy Federal branch in XXXX, TX. I was told multiple times that no further action would be required on my part. Then they said I need to bring a title application to XXXX XXXX clerks to transfer title. This information was wrong too. This has resulted in : Over XXXX days of delay XXXX hours of my time spent resolving issues that I was told would be handled Conflicting and inaccurate instructions from Navy Federal representatives Multiple unnecessary trips and document handling I am requesting : Immediate resolution of the title issue, including proper recording of Navy Federal as lienholder with the State of Texas\ At this point, I have fulfilled every request made of me, and the remaining issue appears to be a failure in coordination and follow-through by Navy Federal. I would appreciate prompt attention to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CADENCE BANK
State: TX

Complaint narrative:
I deposited a cashiers check in the amount of {$13000.00} into my checking account on XX/XX/year>. The funds were initially made available in my account XX/XX/XXXX. Shortly after, the funds were removed same XX/XX/XXXX. I called the bank and a lady told me funds is on hold and will be made available XX/XX/XXXX, the funds was the. Available XX/XX/XXXX but i couldnt access it cause my debit card wasnt working so i called the bank again and they told me my account was on credit only now.. Since the Ive contacted the bank multiple times and visited a branch in person but i kept getting told same information check is fraud and its being investigated, on XX/XX/XXXX i called and a lady told me funds are being returned to XXXX bank and to the rightful owner and that my account will be closed but since no written documentation or explanation has been provided to me. On XX/XX/year>, a withdrawal was posted to my account in the amount of {$13000.00}, which appears to be a reversal of the earlier deposit. However, the transaction description does not clearly explain the reason for this action. I requested written confirmation of the reason for the returned cashiers check, including the return reason code, as well as documentation explaining the withdrawal and the current status of my account. The bank has not provided this information. I am requesting a clear written explanation of : 1. Why the cashiers check was deemed fraudulent 2. The reason code for the re turned item 3. Documentation of the XX/XX/year> transaction 4. The current status of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
I am filing this complaint against Planet Home Lending , LLC regarding improper mortgage servicing practices that have resulted in a disputed delinquency and wrongful foreclosure risk. From approximately XX/XX/XXXXXXXX to the present, I have made timely, good-faith mortgage payments, as supported by my bank records reflecting a consistent history of on-time payments. Despite this, the servicer began rejecting and/or returning my valid monthly payments without sufficient explanation. These actions prevented my payments from being properly credited to my account and resulted in the creation of an inaccurate and inflated balance exceeding {$18000.00}, which I dispute in full. Additionally, I was informed that my monthly mortgage payment had increased due to homeowners insurance adjustments ; however, I did not receive any prior written notice, escrow analysis, or supporting documentation explaining this change as required. Upon learning of the increase, I promptly adjusted my payment amount accordingly. Even accounting for any potential difference, the variance would be minimal and does not justify the rejection of full payments or the creation of a significant delinquency. After becoming aware that my automatic payments had been returned on or about XX/XX/XXXX, I made additional good-faith efforts to resolve the matter. On or about XX/XX/XXXX, I resubmitted payments covering multiple months in an effort to bring the account current. These payments were also not properly accepted or applied. Furthermore, foreclosure counsel, XXXX, XXXX XXXX XXXX, has asserted that my last payment was received on XX/XX/XXXX, and applied to XX/XX/XXXX, and that my loan has been in default since XX/XX/XXXXXXXX with a cure amount exceeding {$18000.00}. These claims are inaccurate and inconsistent with my documented payment history, which reflects that payments were made and accepted through XX/XX/XXXX, and that issues only arose after the servicer, Planet Home Lending, began rejecting full payments in XX/XX/XXXXXXXX to current. As a result of these actions, the servicer has : Improperly rejected valid mortgage payments Failed to properly apply payments to my account Maintained inaccurate and inconsistent account records Created a false and inflated delinquency Continued to pursue foreclosure despite an active, documented dispute I believe these actions violate federal mortgage servicing standards, including requirements to properly credit payments, maintain accurate records, provide required notices, and refrain from advancing foreclosure actions while a valid dispute is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
Subject : FDCPA Violations, False Service, False Mailing Claims, and Deceptive Litigation Practices by XXXX XXXX XXXX, Rubin & Rothman, and Process Server XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX ) I am filing this complaint regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) committed by XXXX XXXX XXXX XXXX XXXX, Rubin & Rothman , LLC, and their process server XXXX XXXX, who works for XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Across XXXX lawsuits filed against me, XXXX XXXX submitted false affidavits of service, claiming he personally served me at my home on dates and times when service was impossible. On XXXX date, he claimed to have served me while I was driving my daughter to work. I am the only adult male in the household, yet the affidavits describe service on a male resident at times when I was not present. XXXX & XXXX filed XXXX of the lawsuits in the wrong venue, despite my correct address being publicly available. Rubin & Rothman filed in the correct venue, but the process server still filed false service affidavits in both of their cases The affidavits also falsely claim that copies were mailed to me. No required mailings were ever received from either law firm or the process server. Although the process server did not use the fake XXXXXXXX XXXX address in my cases, he still falsely claimed that mailings were sent. The only mail I received were court notices, which arrived weeks after the process server claimed service. These court notices were the first time I became aware of the lawsuits. Law Firm Addresses Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Rubin & Rothman , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This conduct appears intentional and coordinated. The same process server is responsible for multiple false affidavits and false mailing claims across multiple cases and XXXX law firms. These actions caused significant stress, confusion, and fear of default judgments for lawsuits I was never properly notified of. I request that the CFPB investigate these firms and the process server for : FDCPA violations False service False mailing claims Deceptive litigation practices Attempted default judgments without proper notice I can provide all affidavits, court notices, timelines, and evidence upon request

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 2026-04-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Climb Credit Inc.
State: OR

Complaint narrative:
Tried to contact Climb Credit regarding the loan for documentation and recordkeeping, along with how they determined the claims they made in the first response. They also said that they would provide feedback when given additional documentation which they have not. They continue to collect payments. They have also not provided a proper way to contact the school as the email provided is unreachable.

Company response to consumer: Closed with explanation