vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
From the months of XX/XX/year> until now another card was attached to my account and was spending my money while I kept reporting unauthorized charges and requesting credits I was denied. These charges came from a Florida IP and I live in the state of illinois

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: KY

Complaint narrative:
In XX/XX/year>, I submitted a written debt validation request via email to Aldous & Associates P.L.L.C. regarding an alleged debt of {$270.00} originating from a XXXX XXXX gym membership ( Account XXXX. XXXX ). The debt arose from a failed automatic payment due to a new debit card on file not a refusal to pay. I never used the gym after signing up. On XX/XX/year>, Aldous & Associates responded by directing me to a third-party member portal and stating the original creditor sent my file due to unfulfilled payment obligations. This does not constitute adequate debt validation under the FDCPA. Their own response states : 'At this time, no attorney with this firm has personally reviewed the particular circumstances of your account. ' Despite failing to provide proper validation, Aldous & Associates has continued to report this account to consumer reporting agencies. I am requesting that this account be removed from all three credit bureaus XXXX, XXXX, and XXXX and that all collection activity cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I made a purchase with XXXX XXXX using a Capital One store credit card in the amount of {$1900.00}. At the time of purchase, I applied for and was expecting to receive a promotional offer of 0 % financing for 12 months. The promotional financing was never applied to my account. I was not notified of this issue and reasonably believed the promotion was in effect. Based on that understanding, I made consistent, on-time monthly payments of {$160.00} beginning XX/XX/XXXX and continuing through XX/XX/XXXX. Despite this, I was charged interest each month. Interest charges began appearing on my account starting with the XX/XX/XXXX statement and continued monthly through XX/XX/XXXX. Monthly interest charges ranged from {$20.00} to {$46.00}, totaling approximately {$320.00} in interest charges over this period. I only became aware that the promotional financing had not been applied when I recently reviewed my account. I then contacted Capital One multiple times ( at least four calls ). Each time, I was told that because the issue was not reported within a certain timeframe ( either within the first few months or before XX/XX/XXXX ), they would not apply the promotional financing or credit back the interest charges. This is unacceptable, as the failure to apply the promotional financing was not due to any error on my part. I acted in good faith, made all payments on time, and relied on the advertised 0 % financing terms. At no point was I clearly notified that the promotion had not been applied. I am requesting that Capital One correct this error by crediting back all interest charges associated with this purchase and honoring the promotional financing terms that were advertised and expected at the time of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: NC

Complaint narrative:
I am writing to formally escalate my complaint regarding multiple disputed transactions on my account and to outline the steps I have already taken to resolve this matter. I previously filed disputes with SoFi for transactions involving XXXX and XXXX. Both disputes were denied despite valid supporting evidence. Regarding the XXXX charge, I contacted XXXX directly and was informed that the {$250.00} charge was only an authorization hold that was voided on their end. This means the transaction should never have been completed or posted to my account. However, the charge left the pending stage and was fully posted by SoFi, resulting in funds being deducted from my account incorrectly. Regarding the XXXX charge, I have been informed that the signature associated with the transaction was not mine and was signed by someone else. I did not authorize this transaction, nor did I give permission for anyone to use my card or account. To resolve this, I have taken the following steps : Filed disputes with SoFi, which were denied Contacted XXXX directly and obtained confirmation that the charge was a voided authorization hold Reported the unauthorized Apple transaction, including the signature mismatch Filed a complaint with the XXXX XXXX XXXX to request further review Despite these efforts, the issue remains unresolved. At this point, I am preparing to file a formal complaint with the Consumer Financial Protection Bureau if this matter is not corrected promptly. However, I would prefer to resolve this directly with SoFi. To summarize : The XXXX charge was confirmed as a voided authorization hold but was still posted The XXXX charge was unauthorized and includes a signature that is not mine Both disputes were denied despite supporting evidence I have already escalated through XXXX and am now seeking final resolution I am requesting an immediate re-investigation and correction of both transactions. Please advise on the actions being taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am currently in the process of trying to purchase a home, and as part of this, a mortgage lender performed a soft credit inquiry with my permission. Upon reviewing the results, I was shocked to discover that multiple accounts are being reported under my name by creditors I do not recognize and with whom I have no known relationship. I had not previously checked my credit because I did not know how to access or understand it. However, this recent review has revealed what appears to be fraudulent or inaccurate accounts that are severely harming my reputation, creditworthiness, and ability to qualify for a mortgage. I have not received any validation or supporting documentation from these creditors to prove the legitimacy of these accounts. Despite this, they continue to report negative information, which constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, this reporting violates my right to privacy and accuracy under : 15 U.S.C. 1681b which prohibits furnishing a credit report without proper purpose or written authorization. 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to ensure maximum possible accuracy. 15 U.S.C. 1681g & 1681i which require disclosure and reinvestigation of disputed information. 15 U.S.C. 1681c-2 ( Section 605B ) which mandates the blocking of fraudulent information resulting from identity theft. These unauthorized accounts are damaging my credit score and delaying my home purchase, all while no creditor has provided any documentation proving that these debts are valid or even belong to me. I am formally requesting that these unverified accounts be removed immediately from my credit report. Their continued presence constitutes both a privacy violation and defamation of my character, and I am asserting my rights under the FCRA for full correction of my file.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I revoked ACH and debit authorization with a merchant, XXXX XXXX. On XX/XX/year> they debited my Chase checking account {$440.00}. I disputed the transaction with Chase and provided the attached email supports to show the revocation took place before the withdrawal. Chase has completed their investigation and state I owe the debt so I will need to take that up with the merchant and that Revoking ACH and debit doesn't matter. I called and spoke with their fraud team who advised they could not help me and that the merchant showed proof I owed the debt. They are now removing the temporary credit I was given at the time of filing the claim and tell me there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your XX/XX/year> correspondence. In your most recent letter, you stated that you corrected the issue regarding my account documentation. This confirms that the information previously provided to me was incomplete and inaccurate. I made multiple requests beginning XX/XX/year> for a full itemization of charges. Your initial response failed to provide a complete and accurate breakdown, which you have now acknowledged by correcting your records after my complaint. Because the original information provided to me was incomplete and required correction after formal complaints, I continue to dispute the charges applied to my account. Additionally, I was required to pay {$1600.00} under pressure to recover my vehicle without having been provided a complete and accurate breakdown of charges at the time of payment. I am requesting the following : A detailed explanation of why incorrect or incomplete information was initially provided Documentation supporting the {$750.00} past due amount, including dates and calculations Consideration of a refund or adjustment due to the initial failure to provide accurate account information Please note that I reserve the right to pursue additional remedies if this matter is not resolved. They have not send me any letters as they stated nor emailed. I will continue to fight to received and full refund and continue filling with the Attorney General and see about a class action lawsuit. Final Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Validation of Debt Request - RADIUSGLOBAL XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
This is a follow-up complaint. The Department of Education has failed to respond even after formal written demand following a 3-year delay. On XX/XX/year>, I mailed a Final Notice correspondence regarding my pending Borrower Defense application to the exact address published on their official website XXXX XXXX XXXX XXXX XXXX XXXX via U.S. Postal Service, postage paid ( {$6.00} ), from XXXXXXXX XXXX XXXXXXXX. That mailing was returned to me undelivered bearing the USPS notation : " RETURN TO SENDER FORWARD TIME EXP RTN TO SEND '' XXXX XXXX XXXX XXXX XXXX XXXX The USPS notation indicates that the published mailing address has an expired mail forwarding arrangement, rendering it functionally non-deliverable. The address listed on the studentaid.gov official website as of the date of the letter continues to show this same defective address, meaning that applicants across the country who rely on the published instructions are being denied the ability to submit correspondence to their office through no fault of their own. I retained the original returned envelope in its entirety, including the USPS postmark dated XX/XX/year>, the return stamp, and the forwarding expiration notation. This constitutes documentary proof that : ( a ) I made a timely, good-faith mailing effort ; ( b ) I relied on their office 's official published address ; ( c ) The failure of delivery is solely and entirely attributable to the Department 's failure to maintain a functioning mailing address. This is not a clerical error by an applicant. This is a systemic failure by a federal agency to maintain functional administrative infrastructure for a program it is legally obligated to administer. I enrolled at XXXX XXXX XXXX based on material misrepresentations. I have filed a proper Borrower Defense application. I made a timely good-faith mailing to their office using their own published address. Their office 's administrative failure prevented delivery. The full record supports the immediate discharge of my federal student loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AZ

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All transactions up until the XXXX was made through XXXX on XXXX to my boyfriend. From the XXXX on, it was through chime app. I am submitting a final consolidated update regarding my complaint about unauthorized electronic fund transfers totaling approximately {$2300.00}. This matter remains unresolved. The company has not provided a meaningful response and continues to claim the transactions were valid without providing supporting evidence. Key facts : I did not authorize these transactions The transfers were labeled as being sent to a known contact ; however, the recipient has confirmed no funds were received I did not receive transaction notifications, which is inconsistent with my normal account activity The transaction notes include content inconsistent with my typical usage The transactions ceased only after my account balance was fully depleted I have verified there is no record of these transactions in XXXX XXXX activity history Despite these facts, the company has : Failed to provide transaction trace IDs Failed to identify the destination account where the funds were deposited Failed to provide proof of receipt of funds Failed to conduct a proper investigation into unauthorized activity This indicates either unauthorized access to my account or a failure in the transfer process, as funds left my account but did not reach the listed recipient. I am requesting that the company be required to : Conduct a full investigation under unauthorized electronic fund transfer protections Provide transaction trace details and destination account information Provide proof of receipt of funds Reimburse the unauthorized amount I am requesting further review and assistance in resolving this matter, as it remains unresolved despite multiple attempts to work directly with the company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
In XXXX of 2026, I applied for an FHA loan on a property in XXXX, GA with South State Bank loan officer XXXX XXXX. I paid off some debts, it brought up my credit, he did a rapid rescore, and then I paid for the inspection on this home after he told me my credit had gone up enough. As soon as I paid for the inspection, he called and said he could not help me because it was a manufactured home and my credit had to be higher than originally disclosed and it did not raise high enough after the rapid rescore. He referred me to another LO, who definitely could not help me because she did not have my rapid rescore. Only he did. I paid {$380.00} for this inspection because my LO gave me the green light to do so only to lose {$380.00} and not be told any disclosures about an appraisal needing to be done or anything. Thankfully I hadn't paid for an appraisal yet but I would like my money back for the inspection because he also told me that I wasn't supposed to shop around with other LO 's or realtors and now I'm aware that's against his licensing as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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