vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Klarna AB
State: CA

Complaint narrative:
In XXXXXXXX XXXX XXXX I had returned 3 mattresses to XXXX. Klarna had hurt me with lying that they sent me my refund. They were supposed to give me the full amount which was over XXXX I only received some which was refunded through my XXXX XXXX account. They still owed me XXXX they kept lying to me stating its in the mail never arrived. When I spoke to XXXX they stated they had refunded the money already. Now theyre trying to collect a debt over items I had already paid off as well on top of the fact they still owe me this money of XXXX dollars. I no longer have the proof but Im sure its in their system. All my conversations through chat as well I sent photos screenshots everything of my proof. I no longer have it in my phone other than possibly my statement through my bank. And I can possibly ask to see if XXXX has it but I doubt it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint against onepay Synchrony bank regarding an unfair Non-Sufficient Funds ( NSF ) / Returned Payment fee of XXXX $ XXXX attempted to make a payment on my credit card on XX/XX/XXXX which was WELL BEFORE my official payment due date. The payment bounced due to a temporary lack of funds, but since it was prior to the due date, the bank suffered no financial loss, and no late payment occurred. I have already successfully completed the payment. I contacted customer service and supervisors multiple times requesting a one-time courtesy waiver, and they refused to help. I request a full refund of this fee as the charge is predatory given that the account was never delinquent.

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 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I am filing a formal complaint against Sequium Asset Solutions , LLC for violating the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by attempting to collect and report an entirely invalid, fraudulent debt. The original company, XXXX, mistakenly charged me {$220.00} for an internet device after their own representative explicitly instructed me in writing on XX/XX/year>, prior to my move from XXXX to New York on XX/XX/XXXX, to keep the device. I successfully disputed this fraudulent charge with my credit card issuer, XXXX XXXX. Following a formal investigation into XXXXXXXX XXXX billing error, XXXX permanently reversed the funds and credited my account on XX/XX/year>, ruling the charge invalid and leaving a balance of {$0.00} owed. Despite this official financial resolution, Sequium Asset Solutions has placed an inaccurate collection tradeline on my XXXX and XXXX credit files for this exact same {$220.00} balance, damaging my credit score. I have already initiated formal credit bureau disputes with XXXX and XXXX. I have also mailed Sequium a physical Certified Mail dispute letter enclosing four pieces of ironclad evidence : two screenshots of the XXXX directive, the XXXX dispute approval letter, and the bank statement proving the permanent financial reversal. Sequium is now fully on notice that this debt is legally invalid and non-existent. If Sequium verifies this debt to the credit bureaus during their 30-day investigation despite possessing this official bank and creditor evidence, they are willfully reporting false data, and I will seek consumer counsel to file a federal lawsuit for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX repossessed my vehicle and sold it, but failed to comply with New York Uniform Commercial Code ( NY UCC ) Article 9 and NY VTL 425. They failed to provide proper statutory notices regarding the intent to sell, failed to prove a commercially reasonable sale, and committed a breach of peace. Therefore, the remaining balance they are reporting as a Charge-Off/Collection is legally null and void. I demand the immediate and permanent deletion of this account from my credit reports. ''

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: AL

Complaint narrative:
To Whom It May Concern, I am disputing the following collection account appearing on my credit profile : Creditor Name : VANCE AND HUFFMAN LLC Reported Balance : {$4300.00} Date Opened : XX/XX/year> I do not believe this account has been properly verified and I am requesting a complete investigation under the Fair Credit Reporting Act. Please provide : Original signed contract or agreement Full itemized statements Proof of legal ownership of the alleged debt Documentation proving this account belongs to me Verification of all information reported to the credit bureaus If this account can not be fully verified, I request immediate removal from all credit reporting agencies. Please provide written confirmation of the investigation results. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing a complaint regarding my Best Buy credit card account. A payment I made toward promotional financing merchandise was misapplied to the wrong promotional balance/item. Because the payment was not properly credited to the intended promotional purchase, I was charged deferred interest and finance charges on merchandise that should have been paid within the promotional period. I contacted the creditor to request correction of the payment allocation and removal of the improper interest charges. However, I was told the issue would not be corrected because it occurred last year. I believe this constitutes an improper application of payment and inaccurate finance charges under the Fair Credit Billing Act. I am requesting : A full investigation into the payment application Correction of the payment allocation Reversal of improperly charged interest/finance charges Correction of any related negative credit reporting Written confirmation of the results of the investigation I have supporting documentation including statements, payment records, and promotional financing details.

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 2026-05-25 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I filed a dispute for a transaction on the credit card. The seller sent fake tracking information from a bogus website they created claiming the item was delivered. I provided evidence that the shipping site was bogus and the website was registered after I contacted the seller but Goldman Sachs/Apple Card denied the dispute

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
" XXXX '' movers guide - web site - XXXX XXXX - fraudulent transaction, moved within XXXXXXXX XXXX XXXX XXXX and XXXX charged me out of Tennessee. Suspected human trafficking efforts by posing XXXX XXXX officials acting as public health dictators falsifying claims about me, XXXX XXXX XXXX, or involved in deep seeded financial abuse and societal warfare tactics trying to extract and take me away from my family and hometown while I am 6 months pregnant. " XXXX XXXX Services XXXX miles XXXX XXXX ... XXXX {$25.00} You earned XXXX XXXX with this transaction! XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX Purchased : Wed, XX/XX/year> Posted : Thu, XX/XX/year> Purchased By : XXXX XXXX XXXX Appears on statement as : XXXX CHANGE OF ADDRESS XXXXXXXX XXXX XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: AL

Complaint narrative:
To Whom It May Concern, I am formally disputing the following account listed on my credit report : Creditor Name : CREDIT COLLECTION SERVICES Reported Balance : {$110.00} Date Opened : XX/XX/year> This account is inaccurate and/or unverified. Under the Fair Credit Reporting Act, I am requesting a complete investigation into this matter. Please provide : Original signed agreement Full validation of the debt Proof this account belongs to me Documentation showing the balance is accurate Complete payment history Proof of authorization to collect and report this debt If you can not provide proper verification, I request that this account be deleted immediately from all consumer reporting agencies. Please provide written confirmation once your investigation is completed. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Al XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: OR

Complaint narrative:
I am filing this complaint because of improper notice and a failure by the collection agency to conduct a reasonable investigation regarding Account XXXX for XXXX XXXX XXXX XXXX. Prior to moving out of the apartment complex, I explicitly provided my new forwarding address to the landlord via email. Despite having this information, the landlord mailed the final move-out statement to an incorrect address. Because of this mailing error, I was completely denied my legal right to review, dispute, or pay the final balance of {$760.00} before the account was forwarded to collections. The debt collection agency, RentDebt Automated Collections, subsequently sent me verification documentation. Crucially, the mailing proof provided by the collector explicitly confirms that the landlord sent the notice to the wrong address, validating my claim that proper notice was withheld. I have since attempted to resolve this notice error directly with the apartment management via certified mail, but they have failed to respond. Furthermore, I have submitted two formal disputes directly to XXXX detailing this clear lack of proper notice due to landlord error. XXXX has repeatedly failed to resolve the issue or perform a meaningful investigation, choosing instead to rely on automated verification from a collector whose own records prove the notice violation. Because the landlord failed to comply with proper notice procedures and the collection agency continues to report an unverified, improperly noticed debt, I request federal intervention to ensure this account is investigated properly and removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding Citibanks handling of my billing dispute for an XXXX transaction in the amount of {$11000.00}. Merchant : XXXX XXXX XXXX Unique Photo Transaction date : XX/XX/XXXX Dispute date : XX/XX/XXXX Citibank dispute case ID : XXXX I disputed this transaction as returned goods after timely following the return process. I returned the package/item I received in good faith using the merchants return authorization. After the return, the merchant took conflicting positions regarding what was allegedly shipped and what was allegedly returned. I disputed the charge with Citibank and provided supporting documentation. The documentation I provided included written communications from the merchant regarding the return and refund, confirmation related to the returned item/package, and additional supporting evidence submitted after the dispute was opened. Citibank initially issued conditional credit. The dispute was later reopened on XX/XX/XXXX. Citibank contacted the merchant and received a merchant response. I also provided additional documentation and requested that Citibank review the evidence. Despite this, Citibank denied my dispute. Citibanks written CFPB response states that they sent the charge back to the merchants bank, the merchant denied the request for credit, and Citibank therefore declined to issue credit. This is not a reasonable investigation. Citibank did not meaningfully address the documents I submitted and did not explain why the evidence was disregarded. Instead, Citibank relied on the merchants statements and refused to provide relief. As a cardholder, I relied on Citibank to conduct a fair billing dispute investigation under the Fair Credit Billing Act. I provided documentation supporting my dispute, yet Citibank denied the claim and left me responsible for {$11000.00}. I respectfully request that Citibank : 1. Reopen dispute case XXXX ; 2. Conduct a reasonable review of all documentation already submitted ; 3. Provide a written explanation addressing the evidence I provided and explaining why it was disregarded ; and 4. Issue billing credit of {$11000.00} if the merchant can not substantiate its position through a reasonable investigation. I am asking the CFPB to review Citibanks dispute handling and failure to reasonably investigate this billing dispute.

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 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently learned that important documents and notices were not delivered to my home because my apartment number was missing from my address on file. As a result, I did not receive the paperwork by mail. I only saw the documents after the vehicle had already been surrendered, when they were later sent to my email. I would love to make payments on my debt

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 2026-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX and Equifax have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed off my report as soon as possible. I'm personally submitting this complaint and documents on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Under the FCRA, all information reported must be complete, accurate, and verifiable. I requested validation and verification of this alleged debt, including documentation bearing my signature, proof of contractual obligations, and evidence that the reporting is accurate. To date, the companies Midland Credit Management and XXXX XXXX XXXX, has failed to provide sufficient validation as required under the Fair Credit Collection Practices Act ( FDCPA ). Continuing to report unverifiable information may constitute credit reporting under federal law. I am requesting : A complete investigation of this account ( XXXX ) XXXX and XXXX, Resurgent # XXXX, XXXX # XXXX. Reporting and sending various mailing with threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AP

Complaint narrative:
I am a military dependent with a valid military dependent ID and enrollment in DEERS. I applied for the XXXX XXXX XXXX American Express card and was charged a {$550.00} annual fee. I contacted American Express multiple times regarding Military Lending Act ( MLA ) eligibility and requested a manual review. Each time, I was told to wait 710 days, and I was later informed that I was not eligible. I believe there may be an error in the MLA eligibility determination or database matching process. I am requesting a formal manual review of my MLA eligibility and reconsideration/refund of the {$550.00} annual fee. I would appreciate a clear explanation of why I was determined ineligible despite being a military dependent. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: MD

Complaint narrative:
I am filing a formal complaint against Chime regarding a severe breach of professional conduct, customer intimidation, and unexplained account changes.On [ XX/XX/year> ], I contacted Chime customer support via the in-app chat to inquire why my SpotMe limit was suddenly reduced. I was frustrated and used profanity during the interaction due to the financial stress of the situation.Instead of de-escalating the situation, providing a standard policy warning, or disconnecting the session, the Chime representative explicitly threatened to call the police and forward my personal information to law enforcement.As a XXXX woman, a corporate representative weaponizing the threat of law enforcement against me is not a minor customer service issue ; it is a direct threat to my physical safety and personal security. This hostile tactic was clearly intended to intimidate me, silence my legitimate questions about my funds, and force me to drop the inquiry. A financial institution is supposed to protect its customers, not use law enforcement as a tool of intimidation.I have retained complete, timestamped screenshots of this chat conversation, including the representative 's specific threats, which I am attaching to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
on XX/XX/year> a solar salesman from XXXX XXXX ( now out of business files bankruptcy with over XXXX XXXX dollars in assets ) used very deceitful and pressure/predatory sales tactics making many ( later discovered ) false promises to acquire a solar installation on our primary residence. knowing i am a XXXX veteran and even stated more than once on a fixed income, the salesman out right lied and hid true cost and information from us that was not discovered until years later upon attempting to list our home for sale. damage was done to the roof, runoff that caused foundation issues and inconsistent performance from the solar panels themselves all with no company left to honor a lifetime warranty. we later learned of the holder rule/act and discovered that the lenders who profit the most like goodleap loan pal actually train the installers to use these tactics in attempts to maximize revenue for the lenders and a shield to blame it all on the installers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
I have attempted to dispute the information reported for my auto loan listed from Ally Financial. The vehicle was repossessed as a result of chapter 7 bankruptcy. The balance was zeroed out, but the account says it is still open. I have disputed this information about it being open multiple times over the course of several years, stating that the account should read as closed. The response from my disputes does not change the reporting stating they " disagree ''. I have called on their recorded line to customer service ( date not recalled ) and the person on the phone told me the account was closed. Despite this they continue to report the account as open.

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