vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Complaint Narrative I am filing this complaint regarding fraudulent Affirm transactions resulting from identity theft. I did not authorize these transactions, did not participate in them, and received no benefit. The fraudulent activity occurred on XX/XX/year>, and consists of the following unauthorized charges : {$470.00} {$9.00} {$300.00} These transactions total {$790.00} and are tied to an Affirm account identified as XXXX. This activity is confirmed in my FTC Identity Theft Report, which I filed under penalty of perjury. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) and applicable identity theft protections, Affirm is required to block and remove fraudulent information and can not hold me liable for unauthorized transactions. I am demanding that Affirm : Conduct a proper identity theft investigation Remove all fraudulent charges and account activity Cease any collection efforts immediately Delete any related negative credit reporting Provide all documents used to claim authorization ( including application data, IP logs, device data, delivery confirmation, and transaction records ) Failure to comply will result in further escalation and legal action. Resolution Requested ( CFPB Box # 2 ) This is identity theft. The Affirm transactions dated XX/XX/year> ( {$470.00}, {$9.00}, {$300.00} ) are fraudulent and unauthorized. I want Affirm to remove all liability, stop any collection or reporting, delete any negative credit reporting, and provide written confirmation that this matter has been resolved as fraud. If you want, I can also turn this into a court-ready exhibit packet ( AF ) or a more aggressive version citing EFTA Reg E depending on how Affirm responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I am filing this complaint as a victim of identity theft. An unauthorized credit card account was opened in my name without my permission or knowledge by CITI Bank, and i dont know the number of the card or last XXXX numbers f the card unknow.The account first appeared on my credit report XXXX XX/XX/year> from Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as opened approximately on XXXX. I discovered this fraudulent account on XXXX XX/XX/year> I have never applied for, authorized, or used this account. No one had my consent to open it using my personal information, this is clearly identity theft. This fraudulent account is harming my credit score, may be causing denials for credit/applications, and continues to appear on my reports. The furnisher ( CITI Bank ) also failed to properly verify the account belongs to me during any investigation. They did not have even my phone number or Email. Lll I consent to publishing the non-personal parts of this narrative in the public Consumer Complaint Database if applicable. Please contact me if you need additional information or documents. Thank you for your help in resolving this identity theft issue quickly. ''

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 2026-03-26 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: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
I am filing this complaint because Robinhood has restricted my account in a way that prevents me from completing basic financial transactions. I am unable to transfer funds into my account and unable to withdraw or transfer funds out, and Robinhood has not given any clear reason for these restrictions. Despite multiple attempts to contact Robinhoods support team, I have received no meaningful explanation, no documentation, and no steps for resolution. My account is essentially frozen with no transparency, leaving me unable to access or move my own money. Robinhoods lack of communication and refusal to provide a justification has caused significant frustration, financial uncertainty, and an inability to manage my own funds. This behavior is unreasonable for a financial institution and has left me with no choice but to escalate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I went ahead and called them about the scam about someone impersonating a police XXXX to get me to pay a fine through cashapp, I explained to them that the recipient was a scammer and they said they were going to look into this investigation but then proceeded to tell me that I need to wait for an email that will take about XXXX business days, I feel like there was no urgency especially considering the amount that I had been scammed of. I need to be reimbursed immediately or as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NATIONAL DEBT RELIEF LLC
State: WA

Complaint narrative:
Bank : XXXX XXXX California Amount scammed under my name XXXX In 2015 National Debt relief is calling me, that this bank XXXX XXXX California is trying to collect debt, i never had with them. From 2015. I never had this loan in this state and never asked for it. This is personal information theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX charges a discover credit card for my phone bill. I add Capital One bank account as an auto pay option. XXXX XXXX XXXX charges both the XXXX credit card and my Capital One bank account XXXX on XX/XX/year>. On XX/XX/year>, the transaction posts. I contact XXXX XXXX XXXX and the say they have no record of charging my Capital One account. XXXX XXXX XXXX tells me to dispute the charge. I contact Capital One on XX/XX/year> to dispute the claim and notify Capital One I was charged twice for my phone bill and that the merchant has told me to dispute the transaction. XX/XX/year> Capital One asks for proof transaction is not valid. I send them proof that payment was made using XXXX card for exact amount for same day. XX/XX/year> Capital One denies my clam saying insufficient proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
A fraudster contacted Citibank and requested a new debit card for my account with overnight delivery on XX/XX/year>. I did not authorize this request and did not receive the card at my home address. At the same time, a new phone number ( XXXX ) was added to my account without my authorization. On XX/XX/year>, the fraudster updated my PIN and used the debit card with the new PIN to access my account. They also logged into my online banking, removed my phone number, and left only the unauthorized phone number ( XXXX ) on the account. I received an email notification regarding these changes, after which I immediately contacted the bank and requested that my accounts be frozen.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE COLLECTION ACCOUNTS LISTED ON MY CREDIT REPORT ARE INACCURATE AND UNVERIFIED. I DID NOT OPEN, AUTHORIZE, OR AGREE TO THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX Account number : XXXX Dear ( Debt Collector ), I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1.The name and address of the original creditor and the current creditor. 2.Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3.Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4.Proof that the original creditor securitized the debt. 5.Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. XXXX XXXX XXXX

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
When the dept collection company, Absolute Resolution, first contacted me about my Navy Federal credit card account that they purchased I informed them I had entered a fraud complaint with Navy Federal regarding charges that were made on the account. XXXX XXXX continues to contact me even though I have asked them to stop due to them not providing me what I have asked for. I have asked them to show me the original copy of the credit card agreement, payment history and a verification letter stating an investigation was done to show accuracy of the debt, that they have not provided but continuously call me all times of the day, interrupting my job and family time They are now threatening to sue and garnish my check that I work hard for and takes care of my family. I am asking you for an investigation of my account under the Title 15 of the United States code and Fair Credit Act ( 15 U.S.C 1681 ), Antitrust Laws ( 15 U.S.C 1 ) and the Security Exchange Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
A collection account from Jefferson Capital Systems LLC is currently being reported on my credit report in the amount of {$16000.00} associated with XXXX XXXX, account number XXXX. I do not recognize this alleged debt and have no knowledge of what this account could possibly be for. Because of this, I requested proper validation of the alleged debt multiple times, yet I have not received any documentation verifying that this debt is valid or that Jefferson Capital Systems has the legal authority to collect it. Additionally, this account appears on my credit report under two variations of the company name, including XXXX and JEFFERSON CAPITAL SYST, which raises serious concerns regarding the accuracy of the information being furnished to the credit bureaus. Given the amount being reported ( {$16000.00} ), this appears to be related to a vehicle loan or auto financing account, yet Jefferson Capital Systems has not provided any of the documentation that would normally exist for a debt of this size. Proper validation of an alleged auto loan debt should include documentation such as : A copy of the original retail installment contract or loan agreement bearing my signature Documentation identifying the vehicle associated with the loan, including VIN number A complete payment history on the account A detailed itemization explaining how the balance of {$16000.00} was calculated Documentation showing the date of default and charge-off Documentation proving that Jefferson Capital Systems legally purchased or was assigned the debt A bill of sale or assignment agreement transferring the debt from XXXX XXXX XXXX Jefferson Capital Systems Despite my requests for this documentation, the company has failed to provide proper validation while continuing to report this account on my credit report. Under the Fair Credit Reporting Act, companies that furnish information to credit bureaus must ensure the information reported is accurate and capable of verification. Additionally, under the Fair Debt Collection Practices Act, a consumer has the right to dispute a debt and request validation. Because Jefferson Capital Systems has failed to provide proper validation and continues reporting this alleged debt, the reporting of this account raises serious concerns regarding compliance with the FCRA, Metro 2 reporting standards, and the FDCPA. I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington Mortgage Services never contacted me prior to or after the loan transfer to introduce themselves as the new servicer, provide proof of their legal authority to service my VA loan, or obtain my consent to access my bank account. I received no Notice of Servicing Transfer as required under RESPA Section 6. My first communication from Carrington was a letter dated XX/XX/2026 claiming I had enrolled in their XXXX program. I never requested, authorized, or signed any XXXX enrollment with Carrington. On XX/XX/2026 Carrington withdrew {$990.00} from my XXXX XXXX XXXX XXXX account without my written authorization. I never signed an ACH authorization with Carrington. My original automatic payment agreement was with XXXX only and does not transfer to a new servicer without my express written consent under Regulation E, XXXX XXXX XXXX XXXX. On XX/XX/2026 Carrington attempted a second unauthorized withdrawal of {$990.00} which XXXX XXXX XXXX XXXX rejected and returned. Carrington confirmed this in their own letter dated XX/XX/2026. I was current on my mortgage at all times. I submitted a notarized Qualified Written Request to Carrington on XX/XX/2026. Carrington has not produced the ACH authorization they used to access my account. Carrington is reporting a balance of {$240000.00} as open on all three credit bureaus while the originating servicer shows the account closed with XXXX balance in the same reporting period. VA loan entitlement for a United States XXXX XXXX has not been restored. Carrington has also failed to respond to my Qualified Written Request dated XX/XX/2026 demanding identification of the current note holder or investor on whose behalf Carrington claims to service this loan, and has failed to produce documentation establishing their legal authority to service, collect payments on, or report to credit bureaus in connection with VA XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
My wallet was stolen. Told the credit card company certin charges weren't mine. Now I'm over the limit and certin credit agencies know that. XXXX other credit card companies already cleared unauthorized transactions against me. This happened on XXXX. XXXX {$200.00}, {$100.00} and XXXX {$90.00}. Charges on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted countless dispute letters thinking that they would fix the issue, but they refuse to, even with all the documentation and proof that I provided. Ive followed every step in the correct correspondence, but it comes back verified and its completely false and illegal. Ive called and recorded the phone calls that I made them aware of, with the promise of deleting the negative accounts off of my account, but they never do!

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

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 : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : Formal Notice of Billing Error and Demand for Correction To Whom It XXXX Concern, I am submitting this as a formal written dispute regarding my XXXX account ( Account ending in XXXX ) in connection with clear billing errors reflected on my statement dated XX/XX/year>. Your statement shows the following inaccurate charges : Late fee : {$41.00} Interest charges : {$3.00} Reported new balance : {$160.00} Past due amount : {$64.00} These charges are incorrect and invalid. I made my required payment on time, and my account has been paid as agreed. Therefore, I do not owe any balance. The imposition of a late fee and subsequent finance charges is unjustified and constitutes a billing error. This notice is made pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires creditors to correct billing errors, including : Improper late fees Incorrect balances Finance charges applied in error Additionally, under Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are legally prohibited from furnishing inaccurate information to consumer reporting agencies. Reporting this disputed balance, late payment, or any delinquency tied to these errors would constitute a violation of federal law. Accordingly, I demand the following actions : Immediate removal of the {$41.00} late fee Full reversal of all related interest and finance charges ( {$3.00} and any additional accrued amounts ) Correction of the account balance to reflect a {$0.00} balance Written confirmation that the account is current and paid in full Immediate deletion or correction of any negative or inaccurate reporting to all consumer reporting agencies While this dispute is under investigation, you are required to : Mark the account as disputed with any credit reporting agency Cease collection of the disputed amount Please be advised that failure to properly investigate and correct these errors within 30 days will leave me no choice but to escalate this matter. This may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, as well as pursuing all remedies available under federal law. I expect a prompt and thorough investigation and written response. Sincerely, XXXX XXXX XXXX XXXX XXXX Account Ending : XXXX Date : XXXX

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