vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I returned merchandise associated with an Affirm loan on XX/XX/2026, and was informed that a refund check was issued on XX/XX/2026 ( XXXX ID XXXX : XXXX ). As of XX/XX/2026, I have not received the refund. During this period, interest has continued to accrue on the account while the refund remains unresolved. After the check failed to arrive for several weeks, I contacted Affirm to determine the status of the payment. I requested confirmation of whether the refund check had been cashed, whether the refund could be issued electronically instead of by paper check, and whether any tracking or delivery confirmation information was available. Affirm stated that no tracking or delivery confirmation information exists for the check. The company also did not offer an electronic payment method for resolving the missing refund. Affirm indicated that a replacement paper check may be issued, but stated that the process could take up to XXXX additional days despite the original refund already being outstanding for more than XXXX weeks. I am requesting prompt resolution of the missing refund, confirmation that the original check has been voided, reimbursement for any interest accrued as a result of the delay, and a reliable method of delivering the replacement payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: DC

Complaint narrative:
Hi so about XXXX weeks ago I went to pay my rent at the first of the month. Bilt was meant to pay {$1600.00} and then I was going to pay them. I ended up incurring a {$100.00} late fee from my apartment building due to them not addressing the issue. I was issued a {$100.00} check to cover the late fee from Bilt. Since then it has been well over a week and no one has gotten back to me. I have been getting the run around about making sure my app is up to date ( when its been up to date ). This all stems from me trying to pay my rent but Bilts system could not process it. I have proof of me trying to pay and only getting a technical error and Bilt not addressing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
XXXX. Binding Settlement Agreement : On XX/XX/year>, XXXX XXXX accepted a written offer of {$400.00} as " Settlement in Full '' for account # XXXX. The agency issued a formal PDF agreement and an email stating, " Our office is thrilled to inform you that we have accepted your offer. '' This offer included a " Pay for Delete '' provision. XXXX. Violation of FDCPA ( Misrepresentation ) : Despite the {$400.00} written agreement, the agency is simultaneously sending automated text demands for the full balance of {$1300.00}. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding the misrepresentation of the character, amount, or legal status of a debt. [ XXXX ] XXXX. Unconscionable Collection Tactics : The agency provided a non functional, expired payment link and has repeatedly refused to provide a secure digital payment method for the agreed {$400.00}. Instead, they are pressuring for a phone based transaction. This is a bad faith tactic designed to avoid a digital paper trail, violating the FDCPA and XXXX XXXX XXXX XXXX regarding unconscionable means of collection. XXXX. Failure to Perform : I have been ready to pay the {$400.00} since the agreement was reached. Ive emailed Velocity also making them fully aware of the situation and Ive received no response at all.The agencys technical failures and refusal to provide a functional link have obstructed the resolution of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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:
# # # Sample Identity Theft Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Fraudulent Collection Account Dear CFPB, I am writing to formally dispute a account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. I have already filed a report regarding this identity theft on XXXX and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report. 2. A copy of my government-issued ID ( e.g., driver 's license or passport ). 3. Proof of address ( e.g., recent utility bill or bank statement ). 4. Any additional documentation that may strengthen my case ( e.g., a statement of account or correspondence with the creditor ). I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. Thank you for addressing this urgent issue. Sincerely, [ 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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding a {$970.00} collection account reported on my XXXX credit report by Credit Collections originally associated with XXXX. I contacted XXXX regarding this account, and I was informed that my insurance policy had been cancelled and was supposed to have been deleted from my credit report. Despite this, a remaining balance was later reported and placed into collections. I am disputing this balance as inaccurate. I believe the amount being reported does not properly reflect my account after cancellation. I requested review of the account and supporting documentation for the reported balance. The account continues to be reported on my credit file and is negatively affecting my credit. I am requesting a full investigation into the accuracy of this balance and correction or removal if it can not be properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
I called military star to see why my report stated that I still owed money when it was taken from my tax return. They connected me with the collection company and I asked the same thing and got told that the people who could handle my problem were not available and they'd call me back they never have. I have even stated that I have documentation showing that the irs took it from my taxes and nothing.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Netspend Corporation
State: TX

Complaint narrative:
Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Claim Amount : XXXX Dear XXXX, This letter is to inform you that we have made a final determination regarding a claim of possible errors on your XXXX XXXX for the transaction ( XXXX ) listed below : Merchant Date Amount XXXX XXXX XXXX XXXX XXXXXX/XX/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 XXXXXXXX Based on the information we had and the facts of our investigation, we found no error occurred and that the transaction ( XXXX ) listed above are valid. The reasons for our determination include, but are not limited to : No pattern indicating fraud No evidence of account compromise No evidence of device compromise

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 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
RE : DEMAND FOR DEBT VALIDATION, CEASE AND DESIST, AND REQUEST FOR REMOVAL FROM CREDIT REPORT To Whom It May Concern : I am formally requesting full validation of the alleged debt you claim I owe pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety and demand that you provide competent legal evidence that I have a contractual obligation to pay. Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request the following documentation : A complete accounting of the alleged debt. The original contract bearing my wet ink signature proving I agreed to assume this debt. A copy of any judgment, if applicable. The name and address of the original creditor. Documentation showing your legal authority to collect this alleged debt. Proof that your company is licensed to collect debts in my state. Complete payment history and itemization of all charges, fees, and interest. Copies of all documents bearing my signature associated with this alleged account. Be advised that reporting unverified or inaccurate information to any credit reporting agency violates the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681s-2 and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Furthermore, pursuant to 15 U.S.C. 1692c ( c ), this letter serves as a formal CEASE AND DESIST notice. You are hereby instructed to cease all communication with me regarding this alleged debt except to provide the validation requested herein or to notify me of specific legal remedies being pursued. If you can not provide the requested validation, including a signed agreement with my wet signature, within XXXX ( XXXX ) calendar days from receipt of this notice, you must : Immediately cease collection activity ; Remove this account from all credit reporting agencies ; Notify all credit bureaus that the account is disputed and unverifiable ; Provide written confirmation that the account has been deleted from my consumer report. Failure to comply with federal law may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals Office, and possible civil litigation for violations of the FDCPA and FCRA. This is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: DE

Complaint narrative:
I am requesting a goodwill adjustment for a single isolated late payment reported on my Apple Card account through Goldman Sachs. This late payment occurred during a period of financial hardship while I was balancing college, work, and living expenses. Since then, I have worked very hard to regain financial stability, maintain my account in good standing, and significantly reduce my balances. I have otherwise maintained excellent payment history with Apple Card and value my relationship with Goldman Sachs tremendously. I am currently preparing to purchase a home, and this isolated late payment is having a substantial impact on my mortgage qualification and credit scores. I fully understand the importance of accurate reporting and take responsibility for the oversight. However, given the circumstances and my otherwise positive history, I am respectfully requesting a XXXX-time goodwill adjustment to remove the late payment from my credit reporting. I would greatly appreciate any additional review or consideration Goldman Sachs can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
First they had a freeze on my account which I didn't even know about and I did think my balance was wrong but I couldn't see where or how so I figured it was from the predictions fees they seem to sneak in on every bet you make and they sent me an email saying I had a Hold on my account and they would release the {$50.00} adding it to my balance at that time which I never seen it and the way they handle your money there's no way to actually see where it's at since I didn't see it in my balance and this isn't even what my complaint is about. My actual complaint is due to their predictions rulings when you're betting on the 15 minute up or down crypto bets and on XX/XX/XXXX at XXXX I placed a bet for yes and placed {$50.00} which the odds were super high 96 percent and the no choice was locked anyways so I wasn't expecting to win much but I knew it was for sure since there were only 2 minutes before it closed and it's just the way that sort of bet works, it's either yes or no so there is always a certain outcome but as soon as I placed the bet I seen it switch to the no option which this is very difficult to explain without confusing anyone so I bet yes, they switched my answer to no, but said it hit yes and that would've paid me like {$150.00} and had I picked no with only 2 minutes left with the odds at a 4 percent chance the payout would've been like {$700.00} with a {$50.00} bet or at minimum {$500.00} which is just a fact and the math proves what I'm saying cause had in bet no with 4 percent odds the payout would've showed {$500.00} or more and not {$150.00} which is what you would see if I had bet yes with 96 percent odds but here 's the crazy part and it's that the xrp coin on this bet did not hit the target price according to the CF benchmarks own information and googles as well using the same cf benchmarks coinbase says they use so they switched my answer from yes to no and still didn't tell the truth about the target price being hit cause coinbase claims it did hit it an it did not hit it so they should've actually paid me the {$150.00} even though I did bet yes but they were the ones that switched it to no and then said yes it did hit which I have the emails and screenshots from cf benchmarks determination for each bet at the exact timeframe I was betting and I went back and checked 3 or 4 more of my previous bets and everyone I checked shows my bet was correct and they didn't payout anything cause they ( coinbase ) says that the target prices did hit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
USAA is reporting that I am on a joint loan for an automobile with an original balance of {$99000.00}. As of XX/XX/XXXX, the updated balance is {$37000.00} with an opened date of XX/XX/XXXX, on a term of 84 months with account number XXXX. It is reported as a closed account with the type of loan as an auto loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
Onity Mortgage on XX/XX/year>, citing a missing Social Security number a requirement that was never clearly communicated to me. My online portal showed my application as COMPLETE and pending investor review. On XX/XX/year>, my assigned XXXX XXXX XXXX XXXX XXXX ) verbally confirmed my package was complete and awaiting a decision from XXXX XXXX. When I called XXXX on XX/XX/year> to follow up, she denied that her email address ( XXXX ) which is displayed on XXXX own portal was her email. I have screenshots proving it is. On XX/XX/year>, the portal showed my application reopened with a XX/XX/year> deadline and active upload buttons. Hours later the same evening, the entire Mortgage Assistance section disappeared from the portal, leaving me unable to submit documents. I have timestamped screenshots of both states. I have submitted a formal Notice of Error under 12 C.F.R. 1024.35. I am a current borrower who has made every payment. I am being denied forbearance relief due to Onitys own systemic communication failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding XXXX XXXX Rewards Season / XXXX Rewards Deposit Sweepstakes promotion that ran from approximately XX/XX/year> through XX/XX/year>. According to the promotion materials and official rules, winners were expected to be announced or confirmed around XX/XX/year>. As of today, I have not received any communication, update, confirmation, or transparency regarding the status of the sweepstakes winners. ( XXXX ) During the promotional period, I transferred and deposited over {$600000.00} into XXXX accounts specifically in connection with this campaign. Based on the published mechanics of the promotion, where each eligible deposited dollar counted as an entry, I accumulated approximately XXXX entries into the sweepstakes. This represented a substantial financial decision and transfer of assets made in reliance on XXXX advertised promotion. ( XXXX ) My concern is not simply whether I won, but rather the apparent lack of transparency, communication, and timely fulfillment associated with the promotion. Despite the passage of weeks beyond the expected announcement date, there appears to be no publicly available finalized winner list, no meaningful customer communication, and limited responsiveness from XXXX support regarding the status of the sweepstakes. Multiple customers online appear to be raising similar concerns regarding the absence of winner disclosures and delayed updates. ( XXXX ) Given the scale of deposits encouraged by this promotion, I believe XXXX has an obligation to provide : - Confirmation that winners were properly selected in accordance with the official rules ; - A clear timeline for publication or confirmation of winners ; - Transparency regarding the administration of the sweepstakes ; and - A direct response to participants who materially relied on the promotion in making substantial transfer decisions. I respectfully request a formal investigation into the administration of this promotion and a written response clarifying : 1. Whether winners have in fact been selected ; 2. Why participants have not received timely communication ; 3. When the official winner list will be published or made available ; and 4. Whether XXXX complied with all promotional and sweepstakes disclosure obligations. Thank you for your attention to this matter. I look forward to receiving a prompt and transparent response. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Total Amount Claimed : {$2500.00} To Whom It May Concern, I am writing this letter in response to information appearing on my credit report regarding a debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide competent evidence to validate this alleged debt. I am disputing this debt because the information currently being reported is inaccurate and/or incomplete. Specifically, I am requesting that you provide the following : 1. Proof of Legal Authorization : A copy of the original signed contract or agreement showing my obligation to pay. 2. Chain of Title : Complete documentation showing the assignment of this debt from the original creditor to Midland Credit Management , Inc. 3. Account Accounting : A complete breakdown of the alleged balance ( {$2500.00} ), including the original amount, any interest added, and a list of all fees or charges. 4. Creditor Verification : The name and address of the actual original creditor associated with this account, as your current reporting lists " Midland Credit Management '' as the original creditor, which is factually incorrect. Be advised that reporting inaccurate information to credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ). If you can not provide the requested documentation within 30 days, you must immediately cease all collection efforts and request that all credit reporting agencies remove this entry from my credit file. Furthermore, please restrict all future communications regarding this matter to written correspondence sent to the address listed above. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation