vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
This debt is currently under active litigation in XXXX XXXX XXXX XXXX in XXXX is my seventh complaint regarding this same debt. Aldous & Associates continues to avoid providing validation. They're repeating boilerplate language instead of providing actual validation. Nothing they have provided to me is full validation under 15 USC 1692g. As stated earlier, this is my seventh time asking for validation. Aldous & Associates has repeatedly asserted that the debt is valid and owing ( see attached reports ) while simultaneously refusing to provide any of the legally required documentation ( movein inspection, moveout inspection, itemized list, invoices, receipts, or the statutory 5day notice ). They previously claimed they mailed validation to my address, but full validation was not received. Theyve claimed now that theyve reached out to the original creditor multiple times and yet still have yet to produce legally valid documentation. This is a pattern of misrepresentation and noncompliance.Again, this debt is currently under active litigation in XXXX XXXX XXXX XXXX. I have attached as proof : The affidavit of service in my case The Statement of Claim in the same case The prior CFPB responses showing repeated nonresponses This is now a clear pattern of : Failure to validate Misrepresentation of mailing Stalling instead of validating Ignoring litigation Asserting validity without documentation Responses from the company will be submitted as evidence in the active case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Lendbuzz regarding the inaccurate reporting of a closed and paid auto loan account on my consumer credit reports. The account in question was fully paid and closed in XX/XX/year>. However, despite multiple disputes and attempts to resolve this matter directly with Lendbuzz over the past six months, the company continues to inaccurately report an outstanding balance of {$1800.00} as well as a Collection/Chargeoff status to the credit bureaus. This reporting is factually incorrect and is causing ongoing damage to my credit profile, financial standing, and ability to obtain fair credit terms. Below are the inaccurate details currently being reported : Reported Creditor : Lendbuzz Account Type : Auto Loan Incorrect Reported Balance : {$1800.00} Incorrect Status : Collection/Chargeoff / Derogatory Actual Status : Paid in Full / Closed XX/XX/year> I have contacted Lendbuzz numerous times requesting correction of this inaccurate information, but they have failed to conduct a proper investigation or update the account accordingly. Their continued reporting of false information appears to violate the Fair Credit Reporting Act ( FCRA ), specifically their obligation to report accurate information and correct known inaccuracies. I am requesting that the CFPB assist in compelling Lendbuzz to : Immediately correct the account balance to {$0.00} Update the account status to Paid in Full and Closed Remove any derogatory or charge-off language associated with this account Notify all credit reporting agencies of the correction Provide written confirmation once the correction has been completed I am prepared to provide supporting documentation showing that the account was satisfied and closed in XX/XX/year>. Thank you for your attention to this matter. I expect a prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
A credit card account ending in XXXX was opened and used without my knowledge or authorization. I never applied for this account, never received any card, never activated any card, and never made any transactions on it. Synchronys own letters dated XX/XX/year> and XX/XX/year> state that they approved my fraud claim and credited {$3100.00} in fraudulent transactions pending investigation. However, the XX/XX/year> letter incorrectly treats me as the accountholder and states that my account reflects a balance of {$7.00}, even though I never possessed or used this card. Synchrony states that the account has a balance of {$7.00} but has not provided any itemization, transaction record, or proof of how this balance was created. Because I never received or activated this card, I am requesting that Synchrony provide documentation showing the source of this {$7.00} charge and explain why any balance exists on an account opened and used without my authorization. Synchrony reported this account to the credit bureaus even though it was opened fraudulently. I am requesting that Synchrony : ( XXXX ) confirm the account was opened without my authorization, ( XXXX ) permanently close all related fraudulent accounts, ( XXXX ) remove all balances, fees, and interest, ( XXXX ) stop issuing replacement cards without my consent, and ( XXXX ) correct any credit reporting associated with this fraudulent account. I am also requesting written confirmation that I will not be held responsible for any charges on this unauthorized account.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Orion Capital Solutions LLC
State: OH

Complaint narrative:
Collector came to to my workplace when I was not there in order to make a personal contact with me. Left a name " XXXX XXXX '' with the phone number XXXX. Person is possibly a representative of Orion Capital. They are leaving my name and their contact information with my employer and employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
My CashApp account was deactivated for violations of there terms but they won't tell me what terms I violated I was also a victim of identity theft and I appealed their actions of closing the account and got denied XXXX times they won't let me give them my irs fraud report and reopen my needed account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Klarna AB
State: ND

Complaint narrative:
Klarna is attempting to take a {$1100.00} charge out of my checking account via debit card and also attempting it on my credit card repeatedly. They say this is because of a Hers subscription, however I never authorized them to take that amount from me ever. On the original purchase the payment terms were for $ XXXX. However, now since XX/XX/XXXX, they have attempted to charge me {$1100.00} on 6 different days ( XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ). I've spoken with them twice on the phone and once through their chat. I was told repeatedly that a supervisor would be getting back to me but that never happens. I have provided to them some copies of their own emails. Because of their fraudulent activity, my accounts/cards have been getting frozen. I am uncomfortable with the valid charges I have with them to pay on my monthly payment because if I unfreeze things and give them a payment I am concerned they will once again attempt to make this fraudulent charge. They are not trying to work with me to resolve this issue or the problems they've caused to me with having my accounts frozen. I have copies of the emails they have sent to me following every failed attempt at this fraudulent activity and will be more than happy to provide that to whomever requires it. Thus far Klarna has attempted to deny they were attempting any charges, then they admitted they were and this shouldn't be occurring, and as of today they tried to say it wasn't them doing it but the Hers company and when I provided proof the charge was coming from Klarna they said yes, but Klarna doesn't control what they attempt to take out of my account. They stated that because they received an attempt from Hers to charge them for a renewal, their system just automatically tries to take the full amount of that charge directly from my account. When I pointed out that I had never given them authorization to do that, they acknowledged that was true, but still stated it wasn't their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
On or around early XX/XX/year>, I was contacted by individuals impersonating XXXX support personnel. I was told there was suspicious activity on my account and was instructed to take steps to secure it. As a result, I logged into my XXXX account and initiated actions that included selling my stock positions and converting the proceeds into cryptocurrency ( USDC/USDS ). The crypto was then transferred out of my account as part of the same sequence of instructions. The total loss is approximately {$4000.00} in securities and approximately {$250.00} in cryptocurrency. I did not knowingly intend to send funds to external parties. I believed I was following legitimate security instructions from XXXX at the time. After reporting the incident, XXXX reviewed the case and stated that no reimbursement or remediation is available due to the nature of the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
In XX/XX/2026, Chase silently removed auto-pay from my XXXX XXXX XXXX XXXX XXXX notification. My XX/XX/2026 statement printed " AUTOPAY IS ON '' on the front page. My XX/XX/2026 statement replaced that with instructions to pay manually at chase.com. I never made any changes to my auto-pay settings. As a direct result, I incurred {$69.00} in late fees and {$390.00} in interest between XXXX and XX/XX/2026. Chase has refunded {$190.00}, and I am disputing the remaining {$270.00}. I am also requesting cancellation of a penalty APR of 27.24 % set to take effect XX/XX/2026, which was triggered solely by the late payments caused by this auto-pay failure. I have a second Chase card ( XXXX XXXX Rewards ) that shows " AUTOPAY IS ON '' on every statement through XX/XX/2026, confirming this was a Chase-side change specific to my XXXX XXXX account XXXX On XX/XX/2026, I contacted Chase by text and escalated to a XXXX. He denied the remaining charges and, when I asked whether he had authority to override the decision, stated, " No I really don't. I'm sorry you have to go through this. '' He refused to provide a reference number or allow me to file a formal internal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Please remove fraudulent XXXX account from my credit reports

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I formally disputed this transaction with Bank of America because the charge was imposed without sufficient documentation or itemized explanation. XXXX labeled the charge as a miscellaneous charge but failed to provide any meaningful breakdown showing what the amount actually includes. Despite my dispute, Bank of America denied the claim without providing adequate explanation or evidence supporting the merchants position. To date, neither XXXX nor Bank of America has provided me with : An itemized invoice Repair invoices or receipts Towing invoices Administrative fee explanations Documentation showing how the {$7700.00} amount was calculated Proof that I authorized these charges Sufficient evidence substantiating the charge The charge appears as a generalized miscellaneous charge, which I do not believe is sufficient justification for a charge of this magnitude. Additionally, during the vehicle return process at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I experienced discriminatory treatment from an XXXX employee, who made the following statement to me : You know, generally, we always recommend customers, especially XXXX customers, to purchase insurance. I found this statement discriminatory and inappropriate. I reported this matter to XXXX as part of the overall dispute. My concern is that Bank of America failed to conduct a reasonable investigation into this disputed transaction before denying my claim. I requested additional documentation and clarification, but the dispute was still rejected despite the lack of transparency and substantiation from the merchant. This unresolved {$7700.00} charge has caused significant financial hardship and emotional distress.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am filing a formal complaint regarding a missing international wire transfer in the amount of {$5000.00} sent through XXXX Remit that was never credited to my Bank of America account. Receiving Bank : Bank of America Receiving Account Number : XXXX Wire Amount : {$5000.00} Reference Number : XXXX I was informed that the funds were successfully transmitted ; however, the money never appeared in my account. I have made repeated efforts to obtain answers and assistance regarding the location of these funds, but I have not received a clear explanation, proper investigation results, or resolution. At this time, I believe the receiving institution may be holding, misapplying, delaying, or failing to properly credit the transferred funds. I am requesting that the Consumer Financial Protection Bureau investigate this matter and assist in determining where the funds are currently located. I specifically request : 1. A complete trace investigation of the wire transfer 2. Documentation confirming whether Bank of America received the funds 3. Copies of any SWIFT or remittance tracking records associated with the transfer 4. Written explanation for why the funds were not credited to my account XXXX. Immediate release or reimbursement of the missing {$5000.00} if the funds were improperly withheld or mishandled In addition to the XXXX Remit transfer, I am also disputing another missing wire transfer involving XXXX XXXX XXXX in the amount of {$3000.00} that was allegedly sent to the same Bank of America account but never received. Sending Bank : XXXX XXXX XXXX Receiving Bank : Bank of America Amount : {$3000.00} Reference Number : XXXX Despite being told the transfer was completed, the funds were never credited to my account. Because both missing transfers involve the same receiving account at Bank of America, totaling {$8000.00}, I strongly believe Bank of America may be holding, restricting, misapplying, or otherwise failing to properly release my funds. I respectfully request that the CFPB investigate both transactions together, require both banks to provide complete wire trace documentation, and determine the current location of my funds. This unresolved matter has caused serious financial hardship and emotional distress. I respectfully request prompt assistance and oversight in resolving this dispute. 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 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I paid the debt associated with this account through the collection company that the account was transferred or sold to. However, Comenity Bank/XXXX continues reporting this account as a negative charge-off on my credit report. The balance now shows as {$0.00}, but the derogatory reporting remains and continues negatively affecting my credit profile despite the debt being resolved. I am requesting that Comenity Bank/XXXX XXXX XXXX reporting for accuracy and consider removing the negative charge-off reporting associated with this account. I also request verification that all account dates, balances, and reporting information are accurate and not duplicative in relation to the collection account that was already resolved. I am seeking a fair and accurate credit reporting outcome reflecting that the debt has already been paid and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Giggle Finance Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding Giggle Finances handling of my financing application and executed agreement dated XX/XX/year>. On XX/XX/year>, I was informed that I was approved for funding and subsequently executed a Future Receivables Purchase Agreement with Giggle Finance. I have retained a signed copy of this agreement as proof of acceptance on my end. After signing the agreement, I did not receive the promised disbursement of funds. Instead, I was later instructed to reapply in 3060 days without any clear explanation or written justification for this change in status. To date, Giggle Finance has failed to provide a formal adverse action notice explaining the reason for denying or withdrawing the previously approved transaction. This lack of communication prevents me from understanding the basis of their decision and correcting any potential issues. Additionally, the structure of the agreement and approval process appears misleading. I was led to believe that I had received a valid approval and entered into a binding agreement. However, the company later relied on internal provisions stating that acceptance only occurs upon funding, effectively allowing them to avoid responsibility after obtaining my signed agreement. This creates a situation where a consumer is induced to sign an agreement under the impression of approval, without any obligation on the company to follow through or provide clear reasoning if they choose not to fund. As a result of these actions : * I was misled regarding the status of my approval * I was not provided required notice explaining the decision * I have experienced unnecessary delay and uncertainty in securing funding Resolution Requested : 1. A clear written explanation for the denial or withdrawal of the approved funding 2. Confirmation of whether my application was formally denied and the reasons for that decision 3. A copy of any adverse action notice, if one was issued 4. Clarification of Giggle Finances approval and funding process to ensure it is not misleading to consumers I am seeking transparency, my approved loan funding, per the attached document, accountability, and compliance with applicable consumer protection laws.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
MOHELA accepted a {$10000.00} lump-sum payment from me and then incorrectly allocated or applied those funds. Despite my calls, emails, and a XXXX XXXX XXXX complaint, MOHELA continues to send me overdue notices. I am disputing the account status, the payment allocation, and any characterization of delinquency. I need MOHELA to correct the payment allocation, bring the account current, reverse any late fees or negative consequences, provide a complete accounting of how the {$10000.00} was applied, and confirm that no negative credit reporting has occurred or will occur because of MOHELAs servicing error.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-27 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: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
An XXXX Synchrony credit card was opened without my knowledge or permission. I received the card via USPS and two days later I received a monthly statement with almost XXXX USD of charges. The card company closed the account and opened a fraud alert. They indicated I was not responsible for any of the charges and that I should contact the credit reporting agencies. XXXX suggested I open a police report and FTC report of fraud. The card has been closed and since removed from my XXXX credit record.

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
They restricted my money on XX/XX/XXXX, and said they mailed me a letter but never received it!!! I need my money! Theyre saying they cant tell me why my money is on hold either! I did not do anything! Citi bank is messed up man

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