vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I made arrangements to pay an old debt in XXXX. I paid the debt in XX/XX/XXXX. XXXX XXXX XXXX is the attorney of ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Practice Area : Creditor-Debtor. She, froze several of my bank accounts and froze my XXXX  account in XX/XX/XXXX without my knowledge. She also froze bank accounts that I shared with business partners without my knowledge. Before XXXX XX/XX/XXXX and my son birthday in XX/XX/XXXX. She increased the debt by $ XXXX USD. I was never served paperwork from court. I never received any information or paperwork stating, she ( XXXX XXXX XXXX ) was garnishing or freezing my accounts and the accounts I shared for business. Each account she froze, she ( XXXX XXXX XXXX ) left her contact information. I called her office to speak with her and she never answered any of my calls. Her secretary ( whom I believe was actually XXXX XXXX XXXX ) took numerous messages on her behalf. XXXX XXXX XXXX never responded to any of my messages. She continue to freeze and garnished all of my wages. I thought I was being scammed or a victim of identity theft. I called her ( XXXX XXXX XXXX ) to let her know that she made a mistake and the debt was paid several years ago in XXXX before the freeze in XXXX and XXXX. She never answered my calls. She called the police and had me arrested for harassment. I received a ( n ) arrest warrant in the mail. I turned myself in to XXXX XXXX Sheriff 's Office. I was XXXX  on XX/XX/XXXX by the XXXX XXXX Sheriff 's Office on XX/XX/XXXX. I have been dealing with this matter still to this day of XXXX XXXX, XXXX. I have been checking in with bails bond weekly since turning myself in ( XX/XX/XXXX ) and reporting to court once a month since XX/XX/XXXX, I am currently living in XXXX. My attorney and Prosecutor have been unable to reach and contact her on several occasions over the past YEARS. Every time we ( my attorney and I ) speak to the DA/ prosecutor it's either she ( XXXX XXXX XXXX ) is unresponsive or she still feels threatened to this day of XXXX XXXX XXXX. I have exhausted all resources and feel as though reporting her to the CFPB is necessary to bring awareness and alert that my rights have been violated. I feel like I am being extorted and a victim of identity theft. I am in fear of my finances being garnished and my life. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am filing a new complaint regarding Wells Fargos handling of multiple disputed charges related to a recalled consumable product purchased from XXXX. 

This complaint relates to Wells Fargo claim reference numbers XXXX and XXXX, which include the following disputed transactions : XX/XX/XXXX Purchase authorized XX/XX/XXXX XXXX  {$140.00} ( Card ending XXXX ) XX/XX/XXXX Purchase authorized XX/XX/XXXX XXXX  {$140.00} ( Card ending XXXX ) XX/XX/XXXX Purchase authorized XX/XX/XXXX XXXX  {$130.00} ( Card ending XXXX ) XX/XX/XXXX Purchase authorized XX/XX/XXXX XXXX  {$210.00} ( Card ending XXXX ) XX/XX/XXXX Purchase authorized XX/XX/XXXX XXXX  {$160.00} ( Card ending XXXX ) XX/XX/XXXX Recurring payment authorized XX/XX/XXXX XXXX  {$240.00} ( Card ending XXXX ) XX/XX/XXXX Recurring payment authorized XX/XX/XXXX XXXX  {$83.00} ( Card ending XXXX ) The product associated with these transactions was consumed before any recall was announced. At the time of purchase and use, there was no recall notice, no safety warning, and no refund or return option available. The recall occurred after the product had already been consumed, making return impossible. 

Despite this, Wells Fargo denied portions of my dispute on the basis that the merchandise was not returned or an attempt to return was not made. This rationale is unreasonable and inappropriate for a recall involving consumable goods, where return is not possible once the product has been used as intended. 

Additionally, the merchant initially stated that no refunds would be issued, and only later implemented a refund policy that applied only to purchases made after a specific date, excluding earlier affected purchases. This date-based limitation was arbitrary and did not correspond with when the unsafe product was sold. Wells Fargo relied on the merchants refund position rather than applying consumer protection standards for defective or recalled goods. 

As a result, I was left responsible for charges related to a product later determined to be unsafe, through no fault of my own. Wells Fargos handling of these disputes failed to consider recall timing, product type, and the impossibility of return. 

I am requesting that Wells Fargo : Reevaluate the denied charges associated with claim references XXXX and XXXX Acknowledge that return was impossible due to the product being consumed prior to the recall Apply Regulation Z protections for defective or recalled consumable goods

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I tried to make order on XXXX XXXX app. That said it did not go through but when I check my card XXXX dollars was taking out of my account I called the card holder they hung up on me I called XXXX they said it was nothing they can do about it I went on the web and seen they took out XXXX dollars twice in XXXX and I live in XXXX XXXX  and neither party is trying to fix the problem I just no I dont have the money in my account anymore and the account is XXXX  XXXX solutions is the card holder

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC
State: DC

Complaint narrative:
I am disputing a debt of {$12000.00} being reported and collected by FMS Solutions that is fraudulent and does not belong to me. 
Key facts : The debt originates from a rental property I have never applied for, signed, or occupied. 
The account contains a middle name that is not mine. 
I have submitted documentation, including a police report and an identity theft report, proving that this account is the result of identity theft. 
Despite this, FMS Solutions continues to report the debt to credit reporting agencies and pursue collection, which constitutes reporting known inaccurate information and violates the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Portfolio Recovery Associates, LLC
State: NY

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 your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: CrossCountry Mortgage LLC
State: WA

Complaint narrative:
My husband and I applied for a loan through your company and was placed into a mortgage/refinance process. 
At no point prior to ordering an appraisal did the loan officer ask whether we owned the land beneath the manufactured home.

This is a fundamental eligibility requirement that should have been addressed during the intake process. 

After more than a week of delays and after we spent time and money preparing the home, we were informedonly after the appraisal fee was paidthat the loan could not proceed because the home is personal property and not real estate. 

This error caused unnecessary financial strain, emotional distress, and directly impacted our household during the Christmas holiday. 

While the appraisal is reportedly in the process of being refunded, no refund date has been provided and the processing timeline continues to be extended. 

The lack of proper upfront screening resulted in additional out-of-pocket expenses and hardship. 

The appraisal fee refund was promised on XX/XX/XXXX and remains pending as of today, XX/XX/XXXX. Because of this delay, our account has gone negative and we are now facing overdraft fees that would not have occurred had proper eligibility screening been conducted. 

Additionally, we continue to receive information-request emails despite being told that the loan could not proceed because the home is personal property and not real estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: TX

Complaint narrative:
I discovered a collection account reported by XXXX XXXX XXXX XXXX XXXX XXXX Bank ) on my credit report that I do not recognize as mine. I did not open or authorize this account, and the reported dates and details do not align with my financial records. I believe this account has been inaccurately reported and may be the result of an error or identity misuse. I have disputed the account with the XXXX XXXX XXXX and am submitting this report to document that the debt is not mine and is being investigated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
LVNV Funding, LLC is attempting to collect and report an alleged debt associated with account number XXXX, which is the result of identity theft and unauthorized use. I did not open, authorize, or benefit from this account. 
I dispute this account in its entirety and have exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) by issuing a formal cease and desist notice, requiring LVNV Funding, LLC to stop all collection communications.

Despite this notice, LVNV Funding, LLC has continued collection activity and has reported and/or continued to report this alleged account to consumer reporting agencies.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), information resulting from identity theft must be blocked and removed once a consumer notifies the furnisher that the account is fraudulent. Additionally, under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers have a duty to ensure accuracy and to conduct a reasonable investigation upon notice of a dispute.

LVNV Funding, LLC has failed to provide any competent evidence that : I opened or authorized this account LVNV Funding, LLC has lawful ownership of the alleged debt The information being furnished is accurate or verifiable Continuing to collect and report an identity theftrelated account constitutes false representation, unfair collection practices, and inaccurate credit reporting, in violation of both the FDCPA and FCRA. 
I do not acknowledge any liability, ownership, or obligation related to this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: NY

Complaint narrative:
I financed a XXXX reservation through Affirm as a buy now, pay later installment loan. The property was materially misrepresented and uninhabitable, and the host engaged in unprofessional conduct. As a result, the merchant released liability for the transaction and confirmed that I was no longer financially responsible. 

I submitted extensive documentation to Affirm multiple times in support of my dispute, including written complaints, photographs, and communications, following instructions from Affirm customer support. Despite acknowledging receipt of this documentation, Affirm denied my dispute using a generic cancellation policy rationale that does not apply to service failure or misrepresentation claims. 

On XX/XX/year>, I sent a formal legal demand to Affirms Legal and Compliance Department via registered mail requesting account correction, placement of the account in administrative hold, and confirmation that no negative credit reporting would occur. On XX/XX/year>, an Affirm supervisor informed me that the dispute decision was final and stated that overdue payments would be reported to credit bureaus unless payment was made, despite the account being actively disputed and subject to legal notice. 

At the time of this complaint, no delinquency has yet been reported to the credit bureaus. However, Affirm continues to demand payment on a disputed and invalid debt and has threatened credit reporting, creating an imminent risk of credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a wrongful vehicle repossession conducted on behalf of the lender, which violated Texas Business & Commerce Code 9.609 and applicable federal consumer protection standards.

My vehicle was repossessed from within a gated apartment complex with restricted access. The repossession agent entered the property without my authorization and without authorization from the apartment management. The apartment management has confirmed that no permission was given to any repossession agent to enter the gated property and that there are no access logs or functioning surveillance systems that would evidence lawful entry.

Under Texas law, a lender may only conduct a self-help repossession if it occurs without a breach of the peace. Unauthorized entry into a gated, private residential property constitutes a breach of the peace and terminates any right to self-help repossession. Despite this, the lender proceeded with repossession. 

I have submitted a written request demanding repossession records and evidence preservation, including documentation of how access to the gated property was obtained. As of this filing, those records have not been produced.

I am disputing the repossession as unlawful and request that the CFPB review the lenders conduct, including : - Failure to ensure lawful repossession practices ; - Reliance on a repossession conducted through unauthorized entry ; - Failure to document or verify compliance with Texas self-help repossession requirements.

I am requesting appropriate corrective action, including reversal of the repossession consequences, waiver of repossession-related fees, correction of any negative credit reporting, and assurance that unlawful repossession practices are not repeated. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Company : Fifth Third Bank Product : Checking / Cashiers Check Issue : Funds not returned/ improper handling of cashiers check Complaint Text : In XXXX, I purchased a cashiers check from Fifth Third Bank in the amount of {$15000.00} using my own funds. The check was never deposited, cashed, or negotiated. 

In XXXX, I attempted to deposit the cashiers check at a Fifth Third Bank branch. A bank employee incorrectly told me that depositing my own cashiers check could constitute fraud. I did not proceed further. 

To date, Fifth Third Bank has not returned my funds, reissued the cashiers check, or provided documentation showing whether the funds were escheated to a state unclaimed property authority. 

A cashiers check represents prepaid funds belonging to the purchaser. The bank is required to either honor the check, reissue it, or provide clear instructions to recover the funds through unclaimed property if applicable. 

I am requesting : Written confirmation of the status of the {$15000.00} Reissuance or refund of the funds Documentation if the funds were escheated ( including state and date ) I believe Fifth Third Bank has improperly handled my funds and failed to provide accurate information or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
I am writing to file a complaint regarding an inaccurate and unjust collection entry that has recently appeared on my credit report. 
Here are the details : Original Creditor : XXXX XXXX XXXX XXXX XXXX of the Account : The original debt was fully discharged and removed as inaccurate. 
Issue : A collection agency has now placed a new collection for this same already-discharged account on my credit report. This is incorrect and should not have been reported. 
I am requesting your assistance to have this erroneous collection removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: CA

Complaint narrative:
XXXX XXXX loan disclosure, servicing errors, improper collection, credit reporting risk. 

Complaint Summary This complaint concerns improper origination, servicing, and continued collection of a consumer loan issued by XXXX, initiated through XXXX XXXX XXXX, despite the underlying service agreement being terminated. 

What Happened In XX/XX/XXXX, XXXX required me to complete financing paperwork with XXXX as part of enrollment. This financing was presented as conditional and contingent on future employment, not as a loan that would remain enforceable if services were canceled. 

After XXXX terminated my participation and confirmed that the XXXX agreement would be canceled, XXXX nevertheless continued to treat me as an active borrower. In XX/XX/XXXX, I began receiving payment notices. On XX/XX/XXXX, XXXX informed me that servicing would transfer to American Education Services ( AES ). 

Why This Is a Problem I did not knowingly consent to a loan that would survive cancellation The loan appears to be improperly serviced There is a risk of inaccurate credit reporting I have been unable to obtain meaningful responses or corrections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
Town and Country ford sold me a vehicle the broke down in XXXX weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I paid {$170.00} through Cash App for a service that was never rendered. I did not attend or receive the service, and the merchant refused a refund. Cash App denied my dispute without providing evidence that the service was completed. I am requesting a reversal of the charge and a full refund for non-receipt of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: IL

Complaint narrative:
made a {$140.00} purchase from XXXX using Klarna Buy Now Pay Later. The order status showed as delivered, but I never received the package. 

XXXX opened an investigation and confirmed in writing that the package was not delivered to me, despite the tracking showing as delivered. I have written documentation from XXXX supporting non-delivery. 

I opened a dispute with Klarna and provided Klarna with the XXXX  documentation. Instead of resolving the issue, Klarna denied my dispute and stated that because they already paid the merchant ( XXXX ), they can not reverse or cancel the loan unless the merchant agrees. Klarna continues to require me to pay for merchandise I never received. 

I requested clarification and asked Klarna to pause billing, cancel the loan, and remove my payment obligation based on verified carrier documentation. Klarna refused to resolve the situation. 

I am requesting CFPB assistance because Klarna is continuing to bill me for undelivered goods, despite XXXX  confirming I never received the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: Check City Partnership, LLC
State: NV

Complaint narrative:
The company allowed me to borrow more than the legal amount allowed in the state of Nevada on two separate loans. Both loans should be deleted as this was an illegal transaction and resulted in predatory charges that are not in any way affordable based on my known income.

Company response to consumer: Closed with monetary relief