vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: OH

Complaint narrative:
I financed cosmetic treatment services through Healthcare Finance Direct for services provided by XXXX. The provider later issued a full refund for the services after the issue was escalated and addressed through legal representation. Despite this, the financing account continued to show a balance and additional fees/interest were applied. I attempted to resolve this by disputing the account and requesting that HFD : Correct the account balance to reflect the refund issued by the provider Remove all late fees, returned payment fees, and accrued interest applied after the refund Provide written confirmation of the corrected account status To date, the account has not been properly adjusted to reflect the refunded transaction, and I have not received a clear resolution confirming the balance has been corrected. The matter was resolved through legal representation, and a settlement refund of {$2500.00} was issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint regarding a denied dispute on an Affirm loan for merchandise that I did not receive. The dispute amount is approximately {$560.00}. The tracking information only shows delivery to a general campus/apartment location and does not confirm delivery to me personally. I never personally received the package, and there is no valid signature, confirmation of possession, or authorization for anyone else to receive the package on my behalf. The signature associated with the delivery is not my signature. I disputed this matter with Affirm multiple times and requested valid proof showing the package was delivered directly to me or signed for by me. Affirm did not provide this information. Despite disputing this issue twice, Affirm continued to rely on the merchants statements and tracking information without providing verifiable proof that I personally received the merchandise. The dispute was closed and I am still being held responsible for the payment plan. I am also unable to reopen the dispute through the app. I am requesting a formal and independent review of this matter and removal of the charge unless valid proof of delivery to me personally can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
They made 3 attempts to contact me to someone who is not me and to a number i did not authorize they can contact. I do not have any communication with the person they are contacting and I did not give authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
they denied my claim in XXXX day said, i made charge..

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I sent MRS BPO , LLC and XXXX XXXX a written response via XXXX Certified Mail ( Restricted Delivery ) that included : ( XXXX ) a full debt dispute under 15 U.S.C. 1692g ( b ) ; ( XXXX ) a cease-communication demand under 15 U.S.C. 1692c ( c ) ; ( XXXX ) a direct FCRA dispute to XXXX XXXX as data furnisher under 15 U.S.C. 1681s-2 ( a ) ( 3 ) and 1681s-2 ( b ) ; ( XXXX ) a 14-item validation demand requiring original account agreements, complete account history, charge-off documentation, CARD Act opt-in records, and a full ledger reconciling the unexplained {$10.00} balance discrepancy ; and ( XXXX ) notice of intent to invoke XXXX arbitration under the cardholder agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Subject : Urgent Request Closed Account Funds Not Returned Complaint : I had a checking account with Citibank that was recently closed due to a security/fraud review. At the time of closure, my account had approximately {$4000.00} in it. I was informed that a check would be mailed to me within up to XXXX days. However, I am currently facing an urgent financial hardship and can not wait that long to access my own funds. I contacted customer service multiple times, but : They refused to confirm the mailing address for the check They did not offer any expedited solution ( such as wire transfer or faster check delivery ) I was not given a clear timeline or tracking information I am requesting : XXXX. Immediate release of my funds XXXX. An expedited method ( wire transfer or overnight check delivery ) XXXX. Confirmation and verification of the mailing address XXXX. Clear communication regarding the status of my funds These are my personal funds, and holding them for an extended period without a clear solution is causing serious financial hardship. I respectfully request that this matter be resolved as soon as possible. Name : XXXX XXXX XXXX Thank you

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 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint against First Tech Federal Credit Union for the wrongful repossession of my vehicle and unfair, deceptive practices. In XXXX, I financed a XXXXXXXX XXXX XXXX through First Tech ( Loan Account # XXXX ). I was instructed by a bank representative to make my monthly payments into my First Tech XXXX XXXX account ( # XXXX ), and they assured me the bank would automatically transfer the money to the auto loan. I have faithfully transferred {$550.00} into this savings account every single month. When I started receiving late notices some time ago, I immediately called First Tech. Their support team told me not to worry, claiming that their " system is slow '' and takes time to process the transfers. I trusted their word. However, on XX/XX/XXXX, my car was unexpectedly repossessed. This is absolutely outrageous because my XX/XX/XXXX statement clearly shows my savings account has a balance of $ XXXX than double my remaining loan balance, which is only around {$3300.00}! The bank simply failed to transfer my money as agreed, despite me fulfilling my end of the deal. To make matters worse, the repossession agent committed a breach of the peace. While I was away on a work trip, the agent trespassed and broke into my locked car without a key. My wife, XXXX, was home alone and was extremely frightened by this illegal action. When I contacted First Tech to fix their massive error, a representative named XXXX XXXX was entirely unhelpful. He refused to acknowledge the bank 's technical failure and demanded that I pay all the towing and storage fees to get my car back. The bank is essentially holding my vehicle XXXX for a problem their own system created, while simultaneously holding thousands of my dollars in the exact account they told me to use.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Majority USA, LLC
State: FL

Complaint narrative:
on or around XX/XX/year>, i discovered that my personal information had been compromised and used without my authorization, someone gained access to my identity, including my social security number, driver license information, and banking details associated with my majority account. unauthorized transactions were made from my account without my consent. I did not approve, authorize, or participate in any of these transactions. The total fraudulent amount is approximately, XXXX. i immediately reported the issue and filed a dispute with majority bank, but the claim was denied. I also filed a police report regarding the identity theft and fraudulent activity. I am a victim of identity theft and i request a full investigation, reversal of fraudulent charges, and protection of my financial accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MS

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX/Netspend regarding a sudden restriction on my account and the companys inability to resolve a verification error, which has resulted in the loss of access to my funds. Incident Timeline : XX/XX/2026 : I attempted to log in to my account as usual. I received an error message stating that no account exists under my username or email address. XX/XX/2026 ( XXXX PM ) : I contacted Customer Service. I was informed that a restriction had been placed on my account. The representative stated they could not provide the reason for the restriction until my identity was verified. Verification Attempt : The representative sent a verification link to my mobile device. I successfully uploaded a valid, current State ID four times. While the system on my end confirmed a successful upload, both the representative and the supervisor insisted that the ID was not accepted. Current Status : The supervisor informed me that a minimum 24-hour wait period is required before an update can be provided. Background and Impact : I have been a loyal customer for over 10 years and have never encountered an issue of this nature. It appears these difficulties began following the transition of XXXX services to the Netspend platform. The lack of transparency regarding the cause of the restriction, combined with the technical failure of their verification system, has created a severe financial hardship. I currently have no access to the funds required to pay my rent and other essential monthly bills. This situation is an extreme inconvenience and puts my housing security at risk.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
I paid the debt and they verbally told me as well as have it listed on the website that the debt would be closed and removed from my credit report within 30 days and this still has not changed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
It says I owe Nsvy Federal Credit union {$16000.00} in credit card debt. Ive tried disputing but it would let me put in why or the situation. Date : XX/XX/2025. Second date : XX/XX/2025. These accounts are now closed and I would like them removed off my credit report. It also states I owe XXXX XXXX That account is now closed. Date : XX/XX/2025. I would like this account removed 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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
For the past 3 months, in spite of me making payments every month, the business is saying that I am 60 days past due. I have made the minimum payment monthly but late charges have made my account seem past due even though I am making payments monthly. Please assist how to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Veros Credit, LLC
State: GA

Complaint narrative:
I am disputing the reporting of this auto loan with Veros credit the original contract I signed on XXXX of XXXX was for a 57-month term with a monthly payment of {$480.00}. I have not signed or agreed to any modification of these terms the current reporting reflects terms or a balance that does not align with the original agreement. I am requesting verification of The original signed contract also a complete payment history and Documentation showing my authorization for any changes to the loan term or balance If this can not be verified, I request immediate correction or deletion under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My credit report shows my account as 90 days delinquent in XX/XX/XXXX, while prior months are reported as current/on-time. This creates a chronologically inconsistent payment Additionally, there was a transition involving a hardship/forbearance program around XXXX XXXX. I was initially placed into a program in XXXX and XXXX, then told I did not qualify, and was subsequently placed into a program that started on XX/XX/XXXX and the document states my monthly mortgage payments will begin on XX/XX/XXXX. Despite this, the account was reported as delinquent. I am filing a complaint regarding inaccurate and misleading credit reporting on my mortgage account. This reporting is inaccurate and misleading under the Fair Credit Reporting Act because XXXX XXXX It reflects multiple levels of delinquency within a single month XXXX It does not accurately show the progression of missed payments XXXX It contradicts prior months reported as current XXXX It fails to provide a clear and consistent payment history Even after I spoke to them the company believes the delinquency is valid, the way it is being reported is not complete or accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
I had already made our XX/XX/XXXX payment for our loan with Rocket Mortgage on XX/XX/XXXX we paid {$2400.00} payment and {$200.00} principal payment. This is what we pay every month. We noticed on XX/XX/XXXX that our account was over drawn and another payment this one was unauthorized. I called Rocket Mortgage about this and they tried to tell me that I made this payment. We riecived an email from Rocket Mortgage Servicing stating that during the system maintenance it caused duplicate payments to happen. When I called them about this they said that. they had fixed the error however no one that I spoke with from this company cared that our account was still in over draft I asked them what they were going to do about this they did not seem to care. I reported this to my band and provided the emails showing that. this payment was an unauthorized fraudulent payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: MD

Complaint narrative:
On XX/XX/year>, my Apple Card account was charged {$51.00} for a recurring XXXX subscription renewal. The software product was never activated or used because the associated computer was no longer operational. Approximately last year, after discovering that recurring billing was continuing, I attempted to stop the subscription, remove my payment information, and dispute the recurring charges. However, the merchant did not provide a clear or functional way to cancel the subscription or remove stored payment details. Since that time, I have continued disputing these recurring charges because billing continued and there was never a clear confirmation or verification that the subscription had actually been canceled. Recently, I disputed the XX/XX/year> charge with Goldman Sachs Bank USA ( Apple Card issuer ). Goldman Sachs initially issued a provisional credit and reopened the dispute for review. During the dispute process, I requested information regarding the date and records of my prior dispute and attempted cancellation from last year, but Goldman Sachs was unable to provide the relevant records during the intake process. Goldman Sachs later reinstated the {$51.00} charge and denied the dispute on the basis that I did not cancel according to the merchants terms and conditions. My concern is that Goldman Sachs relied solely on the merchants stated cancellation procedures without meaningfully addressing my actual dispute : that cancellation was not reasonably accessible or functional, and that recurring billing continued over multiple years despite repeated attempts to stop it. I am requesting reconsideration of the dispute and reversal of the recurring charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra

Complaint narrative:
I am an international user of an app called Abra founded by XXXX XXXX. Last XX/XX/XXXX, the assets stored in the Abra XXXX account stopped earning interest. When I tried to withdraw the assets, the app said " withdrawal temporarily unavailable ''. I sent an email and requested support through the app on XX/XX/XXXX about how to withdraw my assets. In reply, the company 's Legal department ( XXXX ) sent an email to me on XX/XX/XXXX saying that the assets would be returned by XXXX or XXXX XXXX and that they would email me an update monthly. Since then, I have not received any further email communication. I have approximately {$100000.00} in assets ( XXXX and XXXX ). I also sent a Direct Message to Abra and XXXX XXXXXXXX XXXX XXXX account in XX/XX/XXXX to ask for an update but have received no replies.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: KY

Complaint narrative:
I am disputing multiple accounts and derogatory items currently being reported on my credit reports because I believe the information is inaccurate, incomplete, misleading, inconsistent, and/or unverifiable. I am requesting a full investigation and validation of all disputed accounts being reported by the companies involved, including but not limited to charged off accounts, late payment history, balances, dates of delinquency, payment history, and account remarks. Several Affirm accounts are reporting charged off balances and remarks including first payment never received, despite inconsistencies in reporting history, balances, payment data, and account information. XXXX XXXX XXXX is also reporting derogatory payment history, high balances, and closed account status information that I dispute and request verification for. XXXX XXXX XXXXXXXX XXXX XXXX accounts are additionally reporting severe delinquency and derogatory payment history that I request be fully investigated and verified for accuracy and completeness. I have previously attempted to contact the companies regarding these reporting issues and disputes but have not received adequate validation, correction, or resolution. Despite my efforts, the disputed information continues to be reported on my credit files. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I am requesting : * Full validation and verification of all disputed accounts * Complete payment histories * Signed agreements or proof of legal responsibility * Accurate dates of first delinquency * Verification of balances and fees * Removal or correction of any information that can not be fully verified If these accounts or reporting details can not be properly verified, I request they be deleted or corrected immediately from all consumer reporting agencies.

Company response to consumer: Closed with explanation