vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am disputing a debt being reported and collected by National Credit Systems , Inc. on behalf of The XXXX XXXX  in the amount of {$1500.00}. 

I do not owe this debt. I properly terminated my lease with The Delmar Apartments by providing the required notice and by following all move-out instructions given by apartment management. At the time I vacated the apartment, there was no unpaid rent, no termination penalty, and no outstanding charges. 

I have disputed this account multiple times with the credit bureaus and directly with National Credit Systems. In response, the only documentation provided to me consists of a brief itemized statement that lists {$0.00} for all categories ( rent owed, late fees, utilities, insufficient notice, cleaning, lease termination, etc. ) and then lists a single unexplained line item labeled Damage Fees {$1500.00}. 

No supporting documentation has been provided. Specifically, the collector and creditor have not provided : XXXX. A copy of the lease, XXXX. Any description of the alleged damage, XXXX. Any move-out inspection report, XXXX. Any photographs, XXXX. Any repair invoices or receipts, XXXX. Any explanation of how the amount was calculated, XXXX. Any lease provision authorizing this charge, or XXXX. Any required notices. 

Despite my dispute and despite the lack of substantiating documentation, National Credit Systems continues to report this account as an open collection on my credit report and continues to update it. This ongoing reporting has caused harm to my credit score over the past several months. 

Simply restating a balance or providing an internal ledger does not establish that a debt is owed, particularly where the dispute concerns liability and not the amount. Reporting an unverified and unsupported charge as a collection account is inaccurate and misleading. 

I am requesting that this account be deleted from my credit reports and that National Credit Systems cease reporting and collection activity unless and until they can provide competent evidence that I owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )/ XXXX XXXX XXXX XXXX : Transworld Systems Inc. ( TSI ) Account Number : XXXX XXXX Debt Amount : {$5300.00} Description of Dispute : I am filing this complaint because the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) has ignored comprehensive proof of identity theft submitted as far back as XXXX and has continued collection efforts through Transworld Systems Inc. ( TSI ). 
The account was opened without my knowledge by my ex-husband during our marriage. I have provided XXXX with all required documentation multiple times, including : FTC Identity Theft Report : # XXXX Police Report : XXXX Police Department, Case # XXXX and Report # XXXX Legal Affidavits : I have already submitted an affidavit of forgery and five copies of my signature as requested. 
Despite this, on XX/XX/XXXX, I received a notice from TSI ( Reference # : XXXX ) continuing to pursue this balance. Most critically, XXXX has initiated a " Notice of Intent to Offset Delinquent Debt, '' which puts my federal tax refunds and other payments at risk of seizure for a fraudulent debt I do not owe. 
I request that XXXX immediately recall the debt from TSI, terminate the Treasury XXXX XXXX action, and permanently close this account as a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX Sherpa act was breached via Doge and data was compromised. 

On XX/XX/XXXX interest started to accrue with no warning via email, letter or any notification. I am expected to keep up with options just by looking at the news which does not make sense. I attempted to pay interest and there is no option to make payments towards interested only via nelnet. Communication is not clear on the what to do and interest is supposed to accrue till XX/XX/year> which would make the loan larger than the initial amount due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am filing this complaint to report Affirm , Inc. for unfair and unethical business practices related to its failure to credit returned merchandise, resulting in financial harm and a breach of contract. The interest was not disclosed and was originally presented as 0 %. Had I known that it was 29 % I wouldn't have agreed to their deceptive conditions. I have paid on time since XX/XX/year> and because of a financial hardship I began to look at my loan for payment options work my credit card. Affirm does not allow customers to pay work their credit card. Then I discovered that {$410.00} of the merchandise that was returned was not deducted from my balance with Affirm. 

I financed a purchase through Affirm and subsequently returned merchandise totaling {$410.00} in accordance with the merchants return policy. Despite the completed return, Affirm failed to apply the refund to my loan balance. The total amount owed remained unchanged, requiring me to continue paying for merchandise I do not possess. 

This conduct violates the fundamental terms of the financial agreement and constitutes an unjust and deceptive billing practice. Once merchandise is returned, the lender has a clear obligation to adjust the consumers balance. Affirms failure to do so effectively shifts financial risk to the consumer while retaining funds to which it is no longer entitled. 

Affirm markets itself as a consumer-friendly Buy Now, Pay Later service ; however, its practices materially differ from traditional credit products. Unlike credit card issuers, Affirm does not provide meaningful dispute protections when returned or defective merchandise is involved, forcing consumers to rely on merchants who have little incentive to issue timely refunds.

These practices mirror allegations raised in recent consumer litigation, which assert that Affirm misrepresents its product through omissions, ambiguities, and half-truths, particularly at the point of sale. Consumers are led to believe they are receiving protections comparable to credit cards when, in reality, they are not.

I am requesting the following resolution : 1. Immediate application of the {$410.00} refund to my Affirm balance 2. Correction of all account records to reflect the accurate amount owed based on the {$410.00} adjustment and ant interest paid from the time of the adjustment in XXXX of XXXX XXXX. Confirmation that no interest, fees, or penalties accrued due to Affirms failure 4. The ability to pay off my account with my credit card I respectfully request the XXXX  assistance in resolving this matter and in documenting Affirms business practices to protect other consumers from similar harm. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I purchased the car in XXXX  of XXXX and the moment i purchased the car i have been having problems with the vehicle always in the shop pocket out expensive i had a warranty that expired my car has been having engine problems since day XXXX over hearting and nothing has been done about it i want this off my credit in the amount of XXXX dollars

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 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Opportunity Financial, LLC
State: OK

Complaint narrative:
I have requested numerous times on this debt validation proof of signature and proof of ownership and never received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Grogan Law Group, LLC
State: NJ

Complaint narrative:
On XX/XX/year> there was a contract signed for : Execution Amount including interest, docket costs & commissions to date : {$46000.00}. XXXX has been being garnished from my pay every week for 7 years now along with every single XXXX return. Without the XXXX returns the amount is AROUND XXXX dollars. This contract started with one law firm and a couple years ago got transferred to Grogan Law Group in XXXX, NJ. This is further info for this file : XXXX XXXX # : XXXX Sheriff File # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This is the email I sent to the head of customer service and XXXX vice presidents and the president of Citi Bank. 
XXXX XXXX Formal Demand for Refund of All Late Fees and Deferred Interest Home Depot Credit Card To Whom It May Concern, I am writing to demand the immediate removal and refund of all late fees and deferred interest that were improperly added to my Home Depot Credit Card account. The handling of my account has been inconsistent, misleading, and contrary to the information repeatedly provided to me by Citibank and Home Depot representatives. 

Below is the documented timeline of my interactions with your customer service : XX/XX/year>2025 : Your representative stated that all late fees and interest would be credited, as my account was paid-in-full. 

XX/XX/scrub> 2025 : Another representative again confirmed that all late fees and interest would be credited and could not explain why the credits had not been applied. I was also told that the written notes on my account did not match what I had been told verbally. 

XX/XX/year>2025 : A representative abruptly stated that there was no way I would receive a credit directly contradicting the prior assurances. 

In addition, when I opened the account, The Home Depot representative explicitly told me that no interest or fees would be charged if the promotional balance was paid in full by the end of the XXXXmonth period. My statement also clearly printed : You must pay your promotional balance in full by XX/XX/year> to avoid paying deferred interest charges. 

I relied on these representations. Your own staff confirmed XXXX that the fees and interest would be removed. The sudden reversal on XX/XX/XXXX is unacceptable and inconsistent with both the promotional terms and the information I was repeatedly given. 

Citibanks failure to honor its own representatives statements, combined with contradictory account notes, constitutes a breakdown in fair and accurate account servicing. I expect this matter to be corrected without further delay. 

I am demanding the following : A full refund of all late fees, and A full refund of all deferred interest charges applied to my account. 

I request written confirmation once these credits have been issued. If this matter is not resolved promptly, I will escalate the issue through the Consumer Financial Bureau and the appropriate regulatory channels. 

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 monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding the accuracy and handling of credit reporting by my mortgage servicer. 

My mortgage account experienced temporary financial hardship during XXXX. The account has since been brought current and remains in good standing. 

I requested a review of the reported late payments to confirm that the information being furnished to the credit bureaus is accurate, complete, and reported in compliance with the Fair Credit Reporting Act ( FCRA ). I was informed that the servicer does not offer goodwill adjustments and that no further review would be conducted. 

I am requesting that the servicer perform a formal compliance review of the credit reporting associated with my account, including verification of dates, balances, delinquency coding, and investigation procedures, and confirm that all reporting complies with applicable federal requirements. 

I am not disputing the debt itself. I am requesting confirmation of accurate and compliant reporting and correction of any inaccuracies identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found an apartment to move in and I needed to pay deposit ( {$2000.00} ) and the first month rent ( {$2000.00} ). They asked wire transfer to send those money. I requested on XX/XX/year> at the Chase Bank branch.

I received a confirmation of transfer on XX/XX/year>. 
In the leasing agreement, it says I can get full refund if I do not like the place. I did not get hold of the person at all and I could not get refund.

I called Chase bank and completed IC3 complaint ( Submission ID : XXXX ) and completed FTC Report ( Number XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: SC

Complaint narrative:
From XX/XX/year> up until now my account and cards were being used fraudulently and I have reported it and attached all documents showing that I was in XX/XX/XXXX i was transferred to XXXX other facilities which is why they say released but I can those documents as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: TX

Complaint narrative:
student loan servicer continues to increase my account balance even after payments are made, yet can not provide complete payment history as requested. cites, missing payment information, I have not attended school in over XX/XX/XXXX years yet the balance on the account continues to increase even with additional payments made to the principal balance. servicer refuses to rectify the situation. servicer has reported derogatory information to my credit report and refuses to remedy the situation causing me severe hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I opened a XXXX XXXX Credit Card with Barclays XXXX on XX/XX/XXXX, after receiving an offer of XXXX bonus miles upon spending {$2500.00} within XXXX  days. 

My XXXX  purchase attempt at XXXX was declined immediately after I received the card. On XX/XX/XXXX, I contacted Barclays and was informed that my credit card had been locked due to a security concern. I was instructed to submit copies of my drivers license, Social Security card, and a utility bill or bank statement via fax or mail to verify my identity and unlock the account. 

I complied the same day by faxing my XXXX  state ID, Social Security card, and a XXXX  XXXX XXXX checking account statement. I called again on XX/XX/XXXX, to confirm receipt. At that time, I was told that my bank statement had been accepted, but my XXXX  state ID and Social Security card were rejected due to insufficient contrast. 

In response, I re-faxed the documents on XX/XX/XXXX and XX/XX/XXXX, enlarging the state ID to XXXX  its original size and enhancing the contrast of the Social Security card. Additionally, as a backup, I mailed photocopies of my XXXX  state ID and Social Security card via XXXX on XX/XX/XXXX, to the address provided by a Barclays representative : Barclays, Attention XXXX XXXX XXXX  XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

As of today, my credit card remains locked, despite my repeated efforts to comply with Barclays verification requirements. The prolonged account lock has prevented me from using the card and significantly impacts my ability to meet the {$2500.00} spending requirement within the XXXX promotional period.

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 2026-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
Formal Request for Debt Validation and Documentation : To Whom It May Concern, I am writing in reference to alleged medical debt that Capio Partners, has attempted to collect.

I was contacted by Capio Partners via phone call and text message regarding an alleged medical debt from a hospital visit back in XX/XX/XXXX. I do not recall owing any outstanding medical debt related to this visit and initially believed these communications to be fraudulent. As a result, I did not take immediate action. 

Subsequently, I continued to receive follow-up calls and text messages. I later discovered that my credit score had been negatively impacted due to this alleged debt being reported. Despite multiple email attempts to obtain clarification, I remain unsure whether this debt is legitimate. 

I have contacted the company several times via email requesting written documentation and validation of this alleged debt, including proof of the original creditor and the amount owed. To date ( XX/XX/XXXX ), I have received no written response. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this debt. Please provide the following in writing : The name and address of the original creditor The date of the alleged service and account number An itemized statement detailing the amount claimed Copies of any contracts, billing statements, or documentation showing I am legally obligated to pay this debt Proof that Capio Partners is authorized to collect on this account Until this information is provided, I dispute the validity of this debt. If you are unable to furnish the requested documentation, I request that all collection activity cease and that this account be removed from any credit reporting agencies to which it has been reported. 

Please note that this request is not an acknowledgment of liability or an agreement to pay. I expect your response in writing within the timeframe required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I received a letter from US Bank concerning fraudulent somebody tried to open up Banking and savings account under my name and social security number which is fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company
State: FL

Complaint narrative:
I did not open, authorize, recognize or benefit from this account. The reported balance of {$1100.00} is the result of identity theft, fraud or unauthorized use of my personal information. 

At no time did I enter into an agreement, contract, or transaction related to this account. The reporting of this account is inaccurate and violates my rights under the FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting this complaint regarding a debit card refund that has not been received following the cancellation of a cruise. The original debit payment was made over a year ago. After the cruise was cancelled, XXXX XXXX  attempted to issue a refund on XX/XX/XXXX to a bank account that had since been closed, causing the refund to be rejected and returned to the merchant. 

XXXX XXXX  subsequently received my updated bank account information. I was later advised that the refund was reprocessed on XX/XX/year>. However, my bank has confirmed that no debit or ACH refund has been received or attempted since that date. 

Despite repeated calls, XXXX XXXX  continue to state that the refund has processed yet they are unable to provide a transaction ID, trace number, or proof of transmission. The company has also refused to issue the refund by check, leaving the funds unresolved for several months. 

This is a failed debit refund that was never properly re-issued, and I have exhausted reasonable attempts to resolve this directly with the merchant.

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