vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: OK

Complaint narrative:
I am disputing a billing error for a travel package ( Loan ID : XXXX ). Affirm closed my dispute in favor of the merchant based on 'merchant policy, ' failing their legal duty under the CFPB XX/XX/year> XXXX XXXX to investigate a service that was physically impossible to fulfill. XXXX. Lack of Disclosure : Neither XXXX nor the rental car provider disclosed the rental offices hours of operation during the booking process. There was no warning that the office would be closed shortly after my flights scheduled arrival. XXXX. Arrival Impossibility : The package booked a flight arriving at XXXX PM ( actual arrival XXXX PM ) with an off-site rental company ( Green Motion ) that closed at XXXX PM. By the time I cleared baggage claim, the last shuttle had departed. The merchant sold a service that was physically impossible to access. XXXX. Return Impossibility : The package scheduled my car return for XXXX AM for a XXXX AM flight, yet the rental office does not open until XXXX AM. This scheduling error made it impossible to return the vehicle and catch my flight. XXXX. Predatory Conduct : Due to the merchants scheduling errors, my family was stranded. The vendor used this duress to bully me into paying for an expensive waiver to avoid a {$2000.00} hold. XXXX. Affirms Failure : Affirm ignored objective evidence of airline timestamps versus vendor operating hours. Under the doctrine of 'impossibility of performance, ' this contract is void. Affirm failed to conduct a 'reasonable investigation ' into this billing error as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Cancelled a subscription around XXXX and was given a refund and my account was enabled. My credit card company then made the refund permanent on XX/XX/XXXX and my account was locked by XXXX and now the want me to pay to be able to use my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: IL

Complaint narrative:
This discrepancy has been on my credit report since XXXX. I reached out to the company, Westlake financial, and explained that this loan did not belong to me. I provided the company with proof that I received for the car lot that initiated the loan. This loan was opened with a fake drivers license with information that did not match mine, including the birthday. This company still will not remove this false collection from my report. Also, this account still shows as open but was closed in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I was scammed by a user on Cashapp and the user is still active and Cashapp refuses to return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CFPB Complaint : Deceptive Advertising and Failure to Honor Promised Benefits by Chase Bank Description of Incident : I am filing this complaint against Chase Bank regarding their failure to honor the {$150.00} Dining Credit benefit associated with my Chase Sapphire Reserve card ( Annual Fee : {$790.00} ). Chase engaged in deceptive practices by listing a restaurant as an eligible partner on their official app, then denying the credit after I fulfilled all requirements. The details of the transaction are as follows : XX/XX/year> : I accessed the Chase mobile app to find an eligible restaurant for the {$150.00} dining credit. I selected " XXXX '' in XXXX XXXX, which was clearly listed as an active participant. I followed the mandatory link within the Chase app to XXXX to book the reservation and stored my credit card information as instructed. XX/XX/year> : I dined at XXXX as planned. The total transaction amount was {$460.00}. XXXX : After the credit failed to post, I contacted Chase. A representative verbally confirmed that because the restaurant was listed at the time of my booking, the credit would be honored and a manual adjustment would be requested. Resolution Denial : Despite this, I received a final written notice from Chase stating the credit is denied because the restaurant is no longer on their partner list. The Basis of My Complaint : Deceptive Interface : Chases platform actively promoted and provided a booking link for a restaurant they now claim was ineligible. It is physically impossible for a consumer to know a contract has ended if Chases own app continues to advertise it as an active benefit. XXXX XXXX : The reservation was made only XXXX hours prior to the dining date. This is not a case of an old, outdated reservation, but a failure by Chase to maintain an accurate and honest interface for its premium customers. Widespread Issue : My research shows multiple other consumers have been victimized by this exact bait-and-switch tactic regarding the dining credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as LVNV Funding LLC with a balance of {$440.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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 a complaint regarding a Capital One account that was closed and marked as fraudulent. At the time, I made payments using a prepaid card, which resulted in returned payments. This was due to a misunderstanding of acceptable payment methods, not intentional fraud. I have attempted to resolve this directly with Capital One but have been unable to reach anyone who can properly review the situation. I am requesting a formal review of the fraud designation and the opportunity to resolve the account and restore my standing. This issue is significantly impacting my ability to access credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am filing this complaint against Kia Finance XXXX and its collection agent, XXXX XXXX, for predatory loan structuring and fraudulent collection practices involving Kia of XXXX XXXX. On XX/XX/year>, I financed a Kia XXXX through Kia Finance America. On XX/XX/year>, I physically returned the vehicle to the dealership. Instead of unwinding the contract or processing a trade-in to satisfy the debt, the dealership knowingly opened a second, concurrent loan with a different lender. This resulted in XXXX active high-value loans that the dealership knew were mathematically impossible for me to afford. Critical Evidence of Fraud : The dealership has since sold the vehicle to a third party. They have retained the proceeds from the original loan, the second loan, and the subsequent sale of the vehicle, while failing to satisfy the original XXXX in my name. Despite the dealership having physical possession of the asset since XX/XX/year> and subsequently liquidating it, Kia Finance America has " charged off '' the balance and transferred it to XXXX XXXX. I am currently being subjected to aggressive collection harassment for a debt on a vehicle I do not own, do not possess, and which the dealership has already sold for profit. This has caused me extreme financial distress, mental anguish, and severe credit damage.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
I am submitting a complaint regarding XXXX military XXXX accounts. Both accounts were fully paid off well over XXXX years ago, and the payments were made directly from my tax money through the XXXX. Despite this, both accounts are still reporting on my credit file as if they are part of a collections account. This is incorrect and is negatively impacting my credit. I am requesting that the reporting be corrected to reflect that these accounts are fully satisfied and not in collections.

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 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
I have an FHA-insured mortgage loan. My servicer placed me into a trial payment plan as part of a loan modification review. The trial payment amount was approximately {$2500.00} per month, while my gross monthly income is approximately {$2600.00}. I made the first trial payment in good faith. Shortly after, I was removed from the trial plan and told I now owe approximately {$13000.00}. I was not provided with a clear or adequate explanation for why I was removed from the plan. This situation raises serious concerns that my servicer failed to follow FHA loss mitigation requirements. The trial payment offered was clearly unaffordable based on my documented income, and I should not have been placed into a plan that I could not reasonably sustain. Additionally, I was not properly evaluated for all available FHA loss mitigation options prior to or after removal from the plan. I am requesting the following : A full and proper FHA loss mitigation review based on my actual income and financial situation Written explanation of why I was placed into an unaffordable trial plan Written explanation of why I was removed from the trial plan after making a payment Evaluation for all available FHA options, including FHA-HAMP modification and Partial Claim Suspension of any collection or foreclosure activity while my application is under review Correction of any negative credit reporting related to this situation if errors are found I am acting in good faith and seeking an affordable solution to keep my home. I have already contacted my servicer and requested escalation of this issue as of XX/XX/year>. Please investigate whether my servicer complied with FHA guidelines and applicable federal mortgage servicing rules. I emailed in XXXX regarding the unaffordability if the trial payment yet still made it. No agent can tell me why I was removed and it is FHA and should have modification options to retain the home.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I signed up for a gym membership annually. After my year was up, I checked the payment portal to cancel my agreement and it said " auto renewal : none '' ( and i have a screenshot of what that looks like. So after the payment portal showed the membership was not renewing, I assumed once my year was up, unless I specifically renewed it, it would be cancelled. A couple months later I receive a phone call and email that my membership was sent to collections. I called the gym owner and he said " yeah annual memberships don't renew. It automatically switches to month to month agreement '' in which I emailed him to get that in writing and he would never reply. Ive emailed XXXX different times and have not gotten a single response and every time I have tried communicating with the gym owner, he just says I can either pay or let his lawyers handle it. I stopped going to the gym in XXXX, my membership ended in XXXX, and they kept charging me for months after just to keep adding to the total amount. Now this is in collections reporting to my credit inaccurately. False misreprestation to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding Cash App ( Block, Inc. ) for unjust account closure, lack of transparency, and concerns regarding the handling of my personal information. I have been a Cash App user for several years and have only used my account for normal personal transactions, specifically sending and receiving money with family. I do not use my account for business purposes or any activity that would violate Cash Apps terms of service. Several months ago, I began experiencing issues with my account that prevented me from accessing key features, including ordering a debit card and setting up direct deposit. I contacted Cash App support multiple times but did not receive a resolution. After escalating the issue, I was contacted by a representative who stated they would assist in resolving my account problems. During this process, I was asked to provide sensitive personal information, including my Social Security number, address, government-issued ID, and identity verification photos. I fully complied with all verification requests. I was informed that my identity had been verified and that my account issues would be resolved. However, my account access was never fully restored. Months later, I received notice that my account has been closed for allegedly violating Cash Apps terms of service. No specific explanation, documentation, or evidence has been provided to support this claim despite my requests. I dispute this action. I have not engaged in any prohibited or suspicious activity. The lack of transparency and sudden account closure after providing sensitive personal information raises serious concerns. Additionally, I am concerned about the security and handling of my personal data, as I have not received confirmation regarding how my information is being stored, used, or protected. This situation has caused significant inconvenience, loss of access to financial services, and ongoing concern regarding my personal information. I am requesting a formal investigation into this matter and a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
Overview of Incident On XX/XX/year>, the debt collection agency Harris & Harris XXXX Ltd. issued a formal written collection notice regarding an alleged debt of {$470.00} originally owed to XXXX XXXX. Actions Taken by the Company * Improper Third-Party Disclosure : Harris & Harris , Ltd. mailed the full written noticewhich included my name, the specific amount of the alleged debt, and the name of the original creditorto a third party located in California. * Communication to an Unauthorized Address : The recipient of this notice is the debtors ex-husbands adopted sister. The debtor currently resides in XXXX and has never lived at the XXXX address where the notice was sent. * Unauthorized Disclosure of XXXX XXXX XXXX : By sending a detailed collection letter to a third partys residence, the company disclosed private financial information to an individual who is not the consumer, their spouse, or their attorney. Legal Violations Noted * FDCPA Section 805 ( b ) Violation : Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from communicating with any person other than the consumer in connection with the collection of a debt without prior consent. * FDCPA Section 804 Violation : While collectors may contact third parties to acquire " location information, '' they are strictly forbidden from stating that the consumer owes any debt in these communications. By mailing a full collection notice to a third party, the company bypassed this restriction and illegally disclosed the existence of the debt. * Privacy Breach : The companys failure to verify the debtors actual residence before mailing sensitive financial data resulted in a significant breach of consumer privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am pasting the letter from the company here. Sofi wronguly reported that my and my sons student loans were deliquent during the process of repayment restructuring. Sofi reached back via phone and via letter stating that they made mistake and will reported to you to fix my credit score. Please see the letter below from SOFI attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding a promotional offer that was not honored after opening a new credit card account. I applied for and opened a Lane Bryant credit card issued by Comenity Bank based on a promotional offer that advertised a {$30.00} discount on my first purchase after account approval. I made a qualifying purchase exceeding {$100.00}, which should have triggered the {$30.00} promotional credit. However, the credit was never applied to my account. I contacted Comenity Bank customer service to resolve the issue. A representative initially opened a dispute, but I later received a letter stating that I needed to contact the service provider for assistance with a transaction dispute. This response is not appropriate, as this is not a transaction disputeit is a failure by the bank to honor a promotional offer tied to the credit account they issued. I am requesting that Comenity Bank honor the original terms of the promotion and apply the {$30.00} credit to my account as promised. Additionally, I would like assurance that promotional offers associated with their credit products are clearly communicated and properly fulfilled.

Company response to consumer: Closed with explanation