vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
I sent a written cease communication request on XX/XX/year>, pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ). Despite this, the company continues to contact me repeatedly by telephone. These calls include multiple instances where no message is left ( hang-up calls ). I sent a second written notice, and the calls have continued. As of today, there have been multiple calls after both notices. These actions constitute continued communication after a cease request and repeated calls consistent with harassment. I am requesting that these communications stop immediately and that the company comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I already submitted this complaint to studentaid.gov on XX/XX/XXXX. I received the case number XXXX. I received a generic, not-helpful response. See attached. For a second time, I received the attached letter ( 2nd attachment ). It is addressed to " XXXX XXXX XXXX. '' My name is XXXX XXXX XXXX. The address is my correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had a student loan through XXXX XXXX. I paid off all my student loans more than 30 years ago. I have not taken out any student loans since graduating in XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Hello, I have been receiving emails and hand mail about a debt thru FRANKLIN SERVICE , INC. from XXXX XXXX. The amounts are always different and when I try to speak to them about how much is owed. They never seemed to have an answer. Then today I received an email showing balance as all {$0.00} but still trying to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: POWERPAY, LLC
State: MO

Complaint narrative:
Renewal by XXXX replaced windows and doors in our home and had us pay them using third party financing through Power Pay https : //mypowerpayaccount.com/home This lender who provided the loan has failed to report monthly payments to the three credit agencies, XXXX XXXX, and XXXX. When talking to Power Pay advisor on the phone they just say your loan is active and they cant do anything. Then I complain to them that they are supposed to be reporting this information, they place me on hold and say someone will review and get back to you. But know one ever does and I have been trying to get this resolved for over 3 years now ... that is how long I have already been paying them for this loan. I need help and I am starting to think this company is not legitimate, and they are just taking my money monthly. If they are afraid to report to the three credit agencies, XXXX XXXX, and XXXX that is a red flag to me, and it doesn't help someone like me trying to build their credit score. This is not acceptable nor is is far to the person paying. If this is scam company what do I do now?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AppFolio, Inc.
State: CA

Complaint narrative:
I overpaid my rent by hitting an extra XXXX through Appfolio. They are impossible to contact as a XXXX and my XXXX ( XXXX XXXX ) states that they have no ability to correct this on their end. The payment hasnt gone through at the time Im writing this, but it will and then I will have fees and problems with my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Universal Account Servicing, LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX XXXXXXXX ( operating as XXXX XXXX XXXX ) via telephone and sold a scent diffuser and oil subscription. During the phone call, I was not clearly informed that I was entering into a multi-year financing agreement totaling {$3000.00} through a third party company, Universal Account Servicing. The total cost of the loan, the length of the contract, and the inability to cancel were not disclosed to me during the sales call. I believed I was entering into a month-to-month product subscription, not a financing agreement. The loan documentation was sent via DocuSign following the telephone sales call. I was not clearly informed during the call that I was entering into a loan agreement, and it was only upon reviewing the DocuSign documents afterward that I understood the transaction had been structured as a financed loan rather than a product subscription. I only discovered a new line of credit had been opened in my name when I received a credit monitoring alert showing a new account under XXXXXXXX XXXX XXXXXXXX. I had no knowledge during the sales call that a hard credit inquiry would be made or that a new credit account would be opened. The merchant, XXXX XXXX XXXX XXXX XXXX XXXX, verbally represented this as a product subscription during the phone sale. Per the loan contract 's own terms, all verbal statements by the merchant are considered part of the agreement. The merchant 's verbal misrepresentation therefore constitutes a breach of the contract terms. I have made XXXX payments totaling {$1400.00} and have a remaining balance of {$2100.00} with XXXX payments remaining through XX/XX/XXXX. I contacted Aroma 360 today to cancel and was told I must pay the full remaining balance. I contacted Universal Account Servicing and was also told no settlement or cancellation was possible. I am requesting cancellation of this contract and a settlement of the remaining balance due to misrepresentation of terms at the point of sale during the original telephone transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: POWERPAY, LLC
State: NH

Complaint narrative:
XXXX XXXX spoke to customer service and they gave me no answer just that each payment is structured according. we always have paid the full payment amount each month and this month payed XXXX dollars and XXXX was allocated for principal. This loan will never be paid at the rate they are structurally figuring this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Grow Credit Inc
State: TX

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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am filing this complaint against LVNV Funding LLC and Resurgent Capital Services regarding multiple accounts they are attempting to collect and report on my credit file. On or about XX/XX/year>, I sent formal debt validation requests for these accounts pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I specifically requested a copy of the original signed agreement, complete chain of title proving ownership, full payment history, and documentation showing legal authority to collect. In response, the company only provided generic account summary reports and billing statements. These documents do not constitute proper validation and do not meet the requirements under federal law. They failed to provide : Any signed agreement or contract bearing my signature Complete chain of title showing LVNV Funding LLC legally owns the debt Full accounting of the alleged balance Documentation proving authority to collect in my state Despite failing to properly validate the debt, they continue to report these accounts to consumer reporting agencies. This is a violation of the Fair Credit Reporting Act ( FCRA ), as the information is not properly verified and is therefore inaccurate. Because proper validation has not been provided, these accounts remain disputed. Continued reporting and collection activity on unverified debts is misleading and unlawful. I am requesting the following : 1. Immediate deletion of all related accounts from my credit reports 2. Cessation of all collection activity 3. Written confirmation that these accounts have been removed If the company can not provide proper validation, they must delete these accounts in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: PA

Complaint narrative:
Reevi credit card company refuses to investigate fraud charges on my account. I launched the investigation around XX/XX/year>. They stated that I would receive a decision in XXXX to XXXX days. I was told they mailed a letter at the end of XXXX but I never received it. I called them today to find out what happened and the above mentioned occurred. They claim to have investigated and stated that I was accountable for the charges but won't send me any information on their findings. My bill is currently {$490.00} as of XX/XX/year>. The current bill reflects the fraud charges I am requesting to be investigated. I also asked for hardship help and was told they can't initiate the hardship the computer does that automatically. So my credit rating will be damaged by their lack of assistance. Once I announce I need help, they should provide it. Interest and penalties will accrue until then and ruin my credit rating, which isn't right.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
I have had this card account since XXXX. I have had no problem using my card and it is the only one I use I have been a victim of identity theft before. They are saying my account is on hold because of previous card balances I am unaware of that are years old. I get social security and can not pay my bills and this is the only account I have. They are refusing to unblock my account. They keep telling me 24 hours I cant speak with a supervisor every time I ask they transfer me to voicemail or else hang up the phone and I never receive a call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Self Financial Inc.
State: TX

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 my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CO

Complaint narrative:
On XX/XX/26 u guys contacted chimes. Well by then they had already denied my dispute on XX/XX/26. I was already on the second dispute # XXXX, first dispute XXXX. I want to reopen this dispute. They didnt follow Regulation E. I was induced by a imposter claiming to be a bank security employee. I didnt authorize this transaction. I called chimes minutes after it happen, to stop the transaction. They did nothing when they could have stopped it. The same with XXXX XXXX and XXXX XXXX. They didnt send nothing to stop the payment after I told them I was the owner of the account and I was inducted XXXX an imposter claiming to be be bank security from XXXX XXXX . I made a police report -case # XXXX, report # XXXX, FTC report - XXXX CFPB XXXX, XXXX, XXXX XXXX, FTC fraud id thrift - XXXX, control number XXXX XXXX. I made all my reports, sent them evidence of the person was impersoning the the employee., I believe I did everything I needed to do in timely manner. I contacted chime immediately after this happen to me. They did nothing to stop the unauthrized transaction. I believe if a customer tells a bank of a unauthrized transaction they should take action immediatly. Not just let it go through {$2900.00} is a lot of money just to let it go to the people that took it from me because of the impersonating my bank. Its just wrong not to listen to your customers on something as important as my money. I dont have money to just give to someone and not get nothing for that much money. My money is important its all I get in a month. To have somebody take it from me. I call the bank telling them what happen. It was unauthorized. I did not authorize it. I was trick into doing it regulation E. The bank did not follow protocol.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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 my consumer report recently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: NerdWallet, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I deposited {$10000.00} into my XXXX account for a real estate transaction. After the transaction did not proceed, I officially requested a full refund on XX/XX/year>. For over 130 days, the company has withheld my funds. Following my recent complaint to the XXXX XXXX XXXX ( XXXX ), I have observed clear evidence of record manipulation and evidence removal within the companys digital portal. My previous conversation history with their website 's virtual assistantwhere I repeatedly requested explanations for the delayhas been deleted from my account. Additionally, the refund request date, originally recorded as XX/XX/XXXX, has been altered to XX/XX/year>. The transaction status was also recently changed to " Posted, '' yet the funds have NOT been received in my bank account, and my available balance remains at {$0.00}. These actions appear to be a deliberate attempt to misrepresent the status of the refund and erase the history of my inquiries. I am seeking the immediate release of my {$10000.00} and an investigation into these deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
am a victim of identity theft and inaccurate credit reporting. My credit file contains fraudulent accounts and an incorrect address that does not belong to me. I have already filed an identity theft report with the Federal Trade Commission through XXXX. The following accounts are fraudulent and were not opened by me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In addition, my credit report is incorrectly associated with the following address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I do not live at this address and have never resided there. I have received official correspondence from TransUnion addressed to me at this incorrect address. This is clear evidence that my credit file has been mixed or that my identity has been fraudulently used. My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I have already submitted disputes to the credit bureaus, but the fraudulent accounts and incorrect address have not been properly removed. This situation is causing serious harm to my credit and financial standing. I am requesting the following actions immediately : Removal of all fraudulent accounts listed above Deletion of the incorrect address ( XXXX XXXX XXXX, XXXXXXXX XXXX ) Blocking of any information resulting from identity theft under the Fair Credit Reporting Act

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I ordered merchandise XX/XX/year> I only received the jeans in the package. I made a claim with usps bc I was told it was still early for the package to be delivered. I made call XXXX I was told XXXX different dates as to why XXXX would not be able to do anything. Listen to the recorded calls! XXXX is a terrible supervisor instead of putting a XXXX supervisor on the line because the customer service was discriminatory actually provide excellent customer service. Is it 30 days from XX/XX/year> or from XXXX I was told XXXX different things because they think XXXX young and XXXX and wanted me off the phone and didnt want to help with the actual problem

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: Servicer under contract with Federal Student Aid
State: TX

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 my consumer report recently.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
My husband got into an accident my car was totaled. Gap can't pay XXXX without a statement from XXXX saying that the pre paid maintenance was applied to the loan. XXXX doesn't want to give me a statement. Without that statement Gap won't pay XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I am confused why I wasn't on the Navient settlement when my student loans was with XXXX XXXX and Navient from XXXX to XXXX They kept putting me on forebearnce and my student loan went from {$76000.00} to {$170000.00} because of interest rate being on forebearnce. Which stopped me from getting a mortgage to buy my first home because it was on my credit report for 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CapitalJ Inc. dba Juno

Complaint narrative:
Last week of XXXX, a data entry job is offer and pay me XXXX XXXX XXXX and finish it for 2 days. I done the job and expect to pay it as promised. They make transfer it bank that eventually they owned as per transacted with them. I pay all necessary fees and rates and when the time they transfer the fund, i notice to their screenshot that they intentionally input the incorrect informatiom and they asking to pay for direct transfer. The amount to transfer is XXXX XXXX because they refund the fees and rate. I think they intentionally put incorrect information to force me to pay the direct transfer. And yesterday, i received a message from the bank a forcing me again to pay it even if the intentionally input incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
I attended XXXX XXXX accelerated XXXX program XXXX and paid for the program directly via check from my bank account. My balance when finishing the program was XXXX. I was going to start a master 's course, and one course was added to my bill. This course was roughly {$3500.00}. I paid for this course, but another course was added for the summer. I asked for this to be removed because I did not want to take it. The course was not removed. I asked for my transcripts for my XXXX program, which I completed and paid in full for, and they told me they are withholding them due to a balance. I asked why there was a balance, as I did not want to take the summer course. I was unable to get a direct answer to my request. I asked why withholding my transcript was an appropriate measure, as that transcript was paid in full. They said it was a policy. I asked for an itemized bill, and the balance indicated XXXX. My main concern is that this college is withholding transcripts for courses that have been paid for and passed, which have no connection to the added " master course '' on my bill.

Company response to consumer: Closed with explanation