vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Flexible Finance, Inc.
State: OR

Complaint narrative:
Flex is misrepresenting debitcard refund timelines and withholding consumer funds. On XX/XX/year>, Flex claimed my debitcard refund was processed immediately, then stated it would take 35 business days due to bank processing cycles. This statement is false under Regulation E ( 12 C.F.R. 1005 ). Banks do not hold debitcard refunds ; any delay is a merchantside failure to transmit the reversal. Flex has refused to provide : the exact transmission timestamp, and the XXXX, required to track a debitcard reversal. Violations include : Regulation E misrepresentation of EFT timing UDAAP deceptive statements about refund timing Improper retention of consumer funds Requested action : Compel Flex to provide the timestamp and XXXX, cease the false 35 day bank processing explanation, and release the refund without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services
State: PA

Complaint narrative:
I am filing this complaint regarding a company that recently contacted me in what I believe to be an unprofessional and potentially improper manner. The company left a threatening voicemail stating that I " better be home on XX/XX/XXXX to sign papers '' or they would be going to my place of employment also threatening to take legal action. I found these statements intimidating and inappropriate, especially considering that I have never previously received any communication from this company regarding this alleged debt. I have not received any mailed notices, validation letters, court documents, or other correspondence informing me of the debt or their involvement in collecting it. Concerned by the nature of the message, I immediately returned the call seeking information about the alleged debt and the basis for their threats. However, the representative refused to provide meaningful details regarding the account or explain why they were threatening legal action. When I requested documentation proving that the company has the legal authority to collect on this account, including the chain of assignment or chain of title from the original creditor, I was told that they were not required to provide that information and that I should contact XXXX, the original creditor, myself. This response is concerning because XXXX is not the entity currently attempting to collect from me or threatening legal action. If this company claims ownership of or authority to collect the debt, I believe they should be able to provide documentation demonstrating that right. The only document they provided was what they referred to as a contract, which was emailed to me rather than sent through certified mail or accompanied by documentation establishing their legal authority to collect. In my view, this contract alone does not prove that the debt was legally assigned or that this company has standing to pursue collection activities. It also shows the debt is from XXXX. Due to the threatening nature of the communications, the lack of proper validation, and the refusal to provide documentation supporting their authority to collect, I question whether this company has the legal right to pursue this alleged debt. I have also submitted a complaint with the XXXX XXXX XXXX regarding these concerns. I am requesting that the company provide complete validation of the debt, including documentation demonstrating its authority to collect, as well as any records supporting its claims and collection efforts. Under Pennsylvania 's statute of limitations ( 42 Pa. C.S . 5525 ( a ) ), a creditor or collection agency is barred from taking you to court if 4 years have passed since your last payment or breach of the original contract

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I inquired about a hardship program through the app as recommended by their customer service reps. The monthly payment for hardship was higher than my monthly minimum so I exited the app. Their system took it as an agreed action. So they placed me on a forced payment plan that I did not agreed to. No email was sent to me. This was in XXXX. In XXXX I paid over {$600.00} on the card because I was not aware of this payment plan and they also withdrew {$320.00} from my account. Thats when I called and found out what was going on. Now they will not remove the payment plan nor will they renegotiate the monthly payment to something easier to handle. Saying its a self service action so its on me. But I NEVER agreed to this!! Plus they closed my account! This account had never even gone past due! This should be considered fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NJ

Complaint narrative:
Received two texts from this company. From XXXX Text # 1 : This text is from Shepherd Outsourcing, a debt collector regarding your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX XXXX Ref # XXXX Reply STOP to opt out. Text # 2 : Visit XXXX XXXX XXXXXXXX or call XXXX to take advantage of payment options on your outstanding balance of {$150.00} for your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Pay : - {$60.00} in up to 3 monthly payments. 60 % off, that's a savings of {$90.00}! - Payments as low as {$50.00} - One time payment of {$150.00} This text is from Shepherd Outsourcing, a debt collector. License Number XXXX. Reply STOP to opt-out I immediately checked my credit there is nothing on my credit report anywhere. I also checked XXXX. There's nothing on XXXX either. This is not my loan I have since blocked them. I did not want to hit stop and confirm my number to a possible scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: NC

Complaint narrative:
I previously filed CFPB Complaint No. XXXX regarding my student loan balance, payment history, interest accrual, and capitalization history. In that complaint, I requested a complete itemized accounting of my account, including all payments received, interest accrual calculations, capitalization events, and an explanation of how my current balance was calculated. MOHELA responded on XX/XX/year> that additional research was needed, but never provided the requested final response. CFPB subsequently notified me that MOHELAs response was past due. Since then, I have continued making payments on my loans, including multiple payments of {$500.00}. I recently received a Federal Student Loan Quarterly Interest Notice stating that my loans are currently in forbearance and showing {$1200.00} in unpaid accrued interest. I still have not received an explanation of how this accrued interest was calculated, why my loans are listed as being in forbearance, how my payments have been applied, or how my current balance was determined. I am requesting a complete loan-by-loan accounting showing : All payments received and how each payment was applied between principal and interest ; All periods of forbearance, deferment, or administrative forbearance ; All interest accrual calculations ; All capitalization events and the reason for each event ; The reason my loans are currently listed as being in forbearance ; The calculation of the current balance and accrued interest shown on my account. If errors are identified, I request that my account be corrected and any improperly assessed interest or balance increases be removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX ( DOB : XX/XX/XXXX, SSN : XXXX, Email : XXXX ). I am filing a formal complaint against XXXX for systemic violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit bureaus to maintain strict compliance procedures to ensure the " maximum possible accuracy '' of data published on consumer files. XXXX has willfully neglected this legal standard regarding File Number XXXX by verifying and maintaining structurally flawed, contradictory data : Systemic Account Misclassification : XXXX is reporting a collection trade line from XXXX XXXX XXXX ( # XXXXXXXX XXXX XXXX XXXX XXXX ) as a " Factoring Company Account ''. The original creditor is XXXX XXXX XXXX XXXX. XXXX is a third-party debt buyer, not a factoring company. Misclassifying a consumer revolving credit card account as a commercial factoring installment contract violates standard XXXX XXXX definitions and compromises the data integrity of my report. Incomplete and Contradictory Payment History : On my CAPITAL ONE account ( # XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX history log for XX/XX/XXXX leaves the Balance, High Credit, Past Due, and Scheduled Payment fields completely blank and unreported. Despite this total lack of data, XXXX published a severe, punitive rating of " 90 days late '' for that exact month. Under 15 U.S.C. 1681s-2, data formatting must be complete ; a bureau can not legally report a late penalty while failing to report any supporting financial metrics for that month. Failure to Purge Inaccurate Personal Data : XXXX continues to report outdated and mixed personal data variations on my file, including an incorrect name variation ( " XXXX XXXX '' ) and multiple historic addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXX XXXX ) that are no longer my valid residences. XXXX has failed to conduct a reasonable, manual reinvestigation as mandated by 15 U.S.C. 1681i, relying instead on flawed automated verification systems. I request that the CFPB intervene and instruct XXXX to delete these unverified, structurally invalid trade lines and purge the inaccurate personal identifiers from my file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Company : Dave Inc Product : Bank account or service Checking account Issue : Problem stopping or canceling payments What happened : XXXX On XX/XX/year>, I emailed XXXX revoking ACH authorization per 15 U.S.C. 1693e for a {$320.00} XXXX settlement scheduled XX/XX/year> from my XXXX XXXX XXXX account XXXX. XXXX XXXX XXXX rep " XXXX XXXX '' responded XX/XX/year> claiming " the ability to cancel is not required '' for single transfers. This violates Reg E, which applies to all preauthorized EFTs. XXXX XXXX XXXX is refusing to honor a valid revocation submitted more than 3 business days before the transfer. I have blocked them at my bank. Screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am requesting a review of the adequacy of the companys investigation and response regarding a disputed debt that has been reported in my name. The companys response did not address several material issues that were raised and supported with documentation. I submitted identity theft documentation, an FTC Identity Theft Report, and a police report. However, the response does not explain whether these documents were reviewed, why they were rejected, or what investigative steps were taken after receiving them. Additionally, the company failed to provide documentation establishing that I am legally responsible for the debt. Specifically, I requested evidence of an executed lease agreement bearing my signature, documentation showing how the balance was calculated, and records demonstrating that the debt was properly validated. The response did not provide this information. The response also did not address my concerns regarding the accuracy of the information being reported. I continue to dispute responsibility for this account and believe the investigation was incomplete because key evidence and questions were not addressed. I am requesting that the company : 1. Explain in writing how my identity theft documentation, FTC report, and police report were evaluated. 2. Provide documentation establishing that I am legally responsible for the alleged debt. 3. Provide a copy of any executed lease agreement relied upon in reporting or collecting this account. 4. Provide a complete accounting of the balance claimed. 5. Correct or remove any information that can not be verified through competent documentary evidence. I am submitting supporting documentation for CFPB review because the companys response did not resolve these issues and did not directly answer the questions raised in my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lending Force, LLC
State: NJ

Complaint narrative:
I have asked multiple times for Lending Force to stop calling me and was told they would only stop calling me if I tol dthem the details of my XXXX. They use a phone spoofer to mask their real phone number and location and they claim they have no supervisors or managers that I can speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NC

Complaint narrative:
I purchased an item off XXXX through klarna. I never received the item. It was delivered but it wasn't delivered to me. The pictured showed it on a porch but no way to verify where. Multiple disputes have been opened since XXXX between XXXX, Klarna and my bank. Klarna has given me the run around of a refund being processed in XXXX and my Klarna account shows the refund was processed to one of my bank cards but it never showed. They said my bank was stopping it because of the dispute with the bank, which I had opened because Klarna said to as they were not refunding at the time. Then when they said they were, my bank was stopping it. I confirmed no dispute was open with my bank and Klarna said okay give it a few days and were escalating it ( like they have said many times ) and the money will be coming to you. Now they say they are not refunding it even though they show as refunds in my account and they want XXXX left on the item when my bank statement shows I paid the whole amount in question. So now, not only are they not giving my money back, they are saying I have not fully paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sent {$90.00} via PayPal XXXX XXXX XXXX to another individual for the purchase of a fragrance. After receiving the item, I had concerns about its authenticity and submitted it to an online fragrance authentication group, where multiple experienced members ( including moderators ) reviewed it and determined the item is counterfeit. I contacted the seller immediately after receiving the item to request a full refund and offered to return the bottle. I did not receive a response. I followed up again the next day repeating my request for a refund and return instructions, but the seller viewed the messages and still did not respond. I also contacted moderators of the buying/selling group where the transaction originated. They reviewed the situation and contacted the seller directly regarding the issue, but at the time of filing this complaint I have not received a resolution or refund. I am requesting a refund of {$90.00} due to receiving a counterfeit item and lack of response from the seller after multiple attempts to resolve the issue directly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding the sudden and unexplained closure of XXXX of my credit card accounts in good standing. On or around XXXX 2026, Capital One closed both of my accounts a Platinum Card ( XXXX XXXX ending XXXX XXXX ) and a XXXX Credit Card XXXX XXXX XXXX XXXX ending in XXXX ) without prior notice. The only explanation provided was a form letter stating that activity on my accounts was " inconsistent with typical customer account usage. '' This explanation is vague, inaccurate, and insufficient. A review of my account history shows : XXXX late fees on both accounts XXXX interest charges on both accounts ( year-to-date ) Regular on-time payments, including a full payoff of the XXXX balance ( {$590.00} ) in the most recent cycle All transactions reflect normal everyday spending : groceries, food delivery, gas, retail, and software subscriptions Capital One has not provided a meaningful adverse action notice explaining the specific basis for closure as required under the Equal Credit Opportunity Act ( ECOA ) and Regulation XXXX. The form language used does not satisfy the requirement to disclose specific reasons for adverse action. The simultaneous closure of both accounts has caused significant harm to my credit profile, including a sharp reduction in available revolving credit and a negative impact on my credit utilization ratio. I am requesting that the CFPB : XXXX. Investigate Capital One XXXX basis for closing these accounts XXXX. Require Capital One to provide a specific, compliant adverse action notice XXXX. Direct Capital One to reconsider the account closures XXXX Review whether Capital One XXXX closure practices comply with ECOA and applicable consumer protection laws I am also a New York XXXX and intend to file a concurrent complaint with the New York XXXX Department XXXX XXXX XXXX XXXX NYDFS ). Account holder : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NY XXXX Accounts affected : ending in XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
I took out a payday loan thinking I could pay this off quickly. In the meantime, I got into some financial difficulty and spoke to them about lowering my payments and to stop all ACH withdrawals 3 times. They keep pulling from my account. I have tried several times to log into their website but have had major difficulty.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I received a Capital One XXXX Card with a spending limit of {$1000.00}. Capital One suspended this card on XX/XX/year>. I faxed my driver license, utility account, payroll, and banking account information. They said it should take 10 days to finish. Capital One did not provide justification for referring my account to their Fraud Division. I faxed the appropriate data to them for their records. I only spent about {$300.00} on this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.

Complaint narrative:
XXXX XXXX the amount {$250.00} missing from my checking account and the company was closed and no one reached out to me until the following Monday XXXX and didn't see my money missing until I got home at XXXX so I immediately reported a dispute Friday XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLAYTON AUTOS, INC
State: MS

Complaint narrative:
XXXX XXXX set out to pick up my car on a repo after being a month or so behind. Which they have never done. It wasnt that I couldnt pay the note. I had informed them 8 months after having the truck the transmission started to go out. They could never get me in for an appointment. So I felt why did I have to pay something on time and it barely worked. I tried to trade it and couldnt. They picked the car up while I was at work, didnt have a way home had to sit 2hrs. I called them and told them I could pay the full amount over the phone. I was disrespected, treated with attitude and told no. XXXX XXXX and XXXX dollars of what I owed on my note, turned into XXXX. They auctioned off and sent me a letter saying they sold it for {$500.00}.

Company response to consumer: Untimely response