vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had two unauthorized charges on my Chime Credit Builder account for the same amount, both listed as XXXX online transactions. I did not make these purchases, and they do not match any order history or receipts. 
The charges were for {$170.00} on XX/XX/XXXX and {$170.00} on XX/XX/XXXX. 
I disputed both charges with Chime, and both disputes were denied. After the denials, I filed a police report regarding the unauthorized transactions ( report filed XX/XX/XXXX ). 
The unauthorized charges occurred shortly after I experienced a malfunctioning payment keypad at a XXXX XXXX gas station on XX/XX/XXXX, where I was unable to enter my ZIP code correctly. 
I reopened the dispute with Chime after filing the police report and provided supporting documentation. I am requesting a reconsideration of the denied disputes and reimbursement of the fraudulent charges. 
The disputed charges do not correspond to any XXXX orders or account activity associated with me. I did not make these purchases and did not authorize them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Deer Creek Lending
State: MI

Complaint narrative:
Failure to show contract paperwork until after it was signed. Failure from company to contact me and authorize a payment agreement of any kind. No authorization made on interest or how much I'd be paying per month. A XXXX dollar loan they gave me which was how much I asked for is now costing me XXXX. I have called the company to ask them questions about my payments and how many more payments I had and the guy was very rude on the phone and couldn't answer any of my questions properly. I have already made 2 payments of {$790.00} XXXX dollars XXXX XXXX and XXXX XXXX and don't think it's fair for me to be paying XXXX for a XXXX dollar loan. 
Representative did not review my financial information submitted online to verify details. 
And Representative did not go over all terms of the loan prior to closing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Climb Credit Inc.
State: PA

Complaint narrative:
I took out a loan with Climb Credit to pay for XXXX XXXX XXXX. In XXXX, XXXX announced they were out of business and asked that Climb contact them regarding loan payments. Climb Credit says that there is nothing they can do to resolve the matter if Devslopes will not pay them back. I simply want a refund of my past payments and the removal of all debt, as I am not receiving the service that I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Portfolio Recovery Associates, LLCs inaccurate, deceptive, and harmful credit reporting practices in violation of the Fair Credit Reporting Act ( FCRA ). 

I did not make any payment to Portfolio Recovery Associates. However, during the pendency of an active CFPB complaint, a debt dispute, and a cease-communication request, PRA reduced my account balance to below {$0.00}, which resulted in an immediate increase in my credit score by approximately XXXX points, as reflected in third-party credit monitoring services ( XXXX and XXXX XXXX ). 

Shortly thereafter, PRA re-reported the same account as derogatory to XXXX  on or about XXXX XXXX XXXX causing my credit score to decrease by approximately XXXX points. 

This sequence demonstrates that PRA : Deleted or suppressed the account Then reinserted it Without proper notice Without validation While the account was disputed While CFPB review was active PRA had actual notice of my dispute, as evidenced by : Prior CFPB complaints Written disputes submitted on my behalf by a credit repair agency beginning XX/XX/year> XXXX own written acknowledgment that the account was disputed Under 15 U.S.C. 1681s-2 ( b ), a furnisher must conduct a reasonable investigation and may not reinsert disputed information without verification. PRAs actions show either a failure to investigate or a willful reinsertion of disputed data.

Additionally, PRA previously stated in writing that it was not required to provide validation due to alleged untimeliness, while simultaneously continuing credit reporting and litigation. This conduct reflects bad faith and systemic noncompliance.

I am requesting : Immediate correction or deletion of PRAs tradeline Written confirmation of the investigation performed Disclosure of how PRA verified the reinserted data CFPB supervisory review of PRAs reporting practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KS

Complaint narrative:
Cash App wrongfully deactivated my account for suspected identity fraud after their system automatically changed the name on my account to my brothers name. My brother and I are separate individuals who share a household and each have our own government-issued ID and our own Cash App accounts. 

When I attempted to correct the error and re-verify my identity under my legal name, my appeal was denied. I submitted identity documentation for both parties. Cash App then escalated the case and later closed it without addressing the evidence, providing no policy citation, explanation, or appeal path.

Cash App has refused to : Identify what policy was violated Acknowledge the system-generated name change Restore my account or allow me to open a new account under my legal identity I am now being blocked from accessing financial services due to an error created by their platform and a failure to conduct a meaningful investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Paramount GR Holdings, LLC
State: AZ

Complaint narrative:
Deceptive Lending Practices : the loan was sold based on energy savings that were never realized.

Undisclosed Dealer Fees : Amount Financed ( {$43000.00} ) includes a hidden " dealer fee '' paid by XXXX to GoodLeap, which was not clearly disclosed as a finance charge. 
FTC Holder Rule : my contract ( Page XXXX ) makes GoodLeap legally responsible for the fraud committed by XXXX. 
the salesperson promised a {$0.00} XXXX bill to induce me into signing. 
The Payment XXXX : my payment was misrepresented as {$160.00} but jumped to {$230.00} without clear disclosure of the mandatory {$13000.00} prepayment required by XX/XX/2026. 
GoodLeap already withdrew the higher amount from your card without your consent for the increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year>, I sent a written request for validation of this alleged debt, demanding proof that I am legally obligated for it. The request was received by the company on XX/XX/year>. 

My request specifically asked for documentary proof of liability, including a signed contract or other competent evidence showing that I personally authorized or agreed to the alleged debt. 

As of today, I have received no response whatsoever. No validation, no documentation, and no explanation has been provided. 

Despite receiving my written dispute and validation request, the company has failed to comply with its obligations and may be continuing to report this account to consumer reporting agencies without having validated the debt. 

Failing to respond to a timely validation request and continuing to report or attempt collection without verification raises serious concerns under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: DISCOVER BANK
State: IN

Complaint narrative:
On XX/XX/year>, I was charged {$100.00} for a floral centerpiece ordered through XXXX  and paid with my Discover credit card. The item delivered was significantly smaller and lower in value than what was advertised. After contacting the merchant, they admitted in writing that the delivered arrangement was not comparable in style or value to what was purchased. 

I requested a full refund. The merchant refused unless the flowers were returned, despite the item being a perishable holiday gift delivered to a third party and already displayed. The merchant later issued a partial refund of {$33.00} without my agreement. 

I disputed the remaining {$76.00} with Discover under quality not as expected or advertised. Discover denied the dispute solely because the merchant offered to retrieve the perishable item, without considering the reasonableness of that condition or the merchants written admission that the goods were not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am filing this complaint against TD Auto Finance for refusing to accept a corrective payment and threatening to report inaccurate information to credit bureaus. 
My financial institution, XXXX XXXX XXXX, made a processing error on a recent payment. They have admitted full responsibility and provided me with a formal " Letter of Fact '' ( which I have attached ). 
XXXX XXXX XXXX has attempted to contact TD Auto Finance to send the missing funds via wire transfer to fix this immediately. However, TD Auto Finance has refused to cooperate or provide the necessary instructions to accept the funds. Furthermore, a supervisor at TD Auto Finance explicitly told me they would report my account as late to the credit bureaus today, despite being notified of the documented bank error and the available funds. 
This refusal to accept a valid payment and the threat of reporting inaccurate information is a violation of fair credit practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Klover Holdings, Inc.
State: NJ

Complaint narrative:
I discovered that Klover Holdings , Inc. charged my bank account recurring fees without my knowledge or authorization. These charges were associated with a payday or cash-advance style application that I either did not complete or canceled, and no funds or credit were ever provided to me. 

Despite not receiving any loan, cash advance, or credit service, Klover debited my account for ongoing membership or subscription fees. These charges were not clearly disclosed and were not authorized as recurring electronic fund transfers. 

I did not knowingly enroll in any paid membership, did not consent to recurring billing, and did not receive any benefit in exchange for these charges. The company continued billing even though no loan or service was delivered. 

These debits appear to be unauthorized electronic fund transfers for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Capital One for inaccurate credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

Capital One is reporting a closed credit card account as past due with a balance of {$180.00}. This account was closed by the creditor and is not in active collections nor charged off.

A closed tradeline may not continue to report past due status, late payments, or an amount due. This constitutes inaccurate and misleading reporting in violation of : FCRA 623 ( a ) ( 1 ) Furnishers must report accurate information FCRA 623 ( a ) ( 5 ) Furnishers may not re-age or misrepresent delinquency FCRA 611 Failure to properly verify accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I was contacted by a debt collection company regarding an old debt. I tried to negotiate a settlement and they agreed verbally to accept {$1100.00}, but they refused to provide any written confirmation by email. I requested written verification of the debt, proof that they are authorized to collect it, and written confirmation of the settlement amount. Instead of providing documentation, they pressured me to give my bank account and routing number. I do not feel safe providing payment without written proof. This behavior feels misleading and unprofessional, and I am requesting assistance to ensure my rights are protected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
This loan was forgiven on XXXX ( Loan XXXX XXXX ) but somehow it was still sent to collections after being sold several times without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I am disputing a {$41.00} late fee assessed by Continental Finance ( XXXX ) in violation of 12 CFR 1026.10 ( d ). My payment due date was XXXX XXXX XXXX XXXXXX/XX/XXXX. Under federal law, if a due date falls on a weekend, a payment received by XXXX XXXX the following business day ( XXXX XXXX XXXXXX/XX/XXXX ) must be treated as timely. I am also disputing their failure to honor a verbal agreement made on XX/XX/XXXX, to waive a previous fee of {$30.00} that was assessed on XX/XX/XXXX. The company has provided no working email or secure messaging portal to accept written disputes, and phone agents refused to apply the law. 

Additionally I have screenshots of them applying the fee on XX/XX/XXXX. I made my payment on XX/XX/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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding my PayPal account, which was recently permanently limited without clear explanation. 

I have maintained this PayPal account for a long time and used it very infrequently. When I did use it, it was primarily for small, legitimate purchases for my children. I did not engage in any business activity, high-risk transactions, or unusual behavior. 

Without prior warning, PayPal permanently limited my account, stating that there was abnormal activity, but no specific details were provided. I was not contacted by email, phone, or message in advance to resolve any issue or submit additional documentation. 

PayPal is now holding my remaining balance for up to 120 days. While they state this is part of their policy, the lack of transparency, warning, or explanation has caused me significant concern and financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I contacted Chimes disputes department regarding an ongoing fraud and account takeover situation. During this call, the representative spoke to me in an unprofessional and dismissive manner while I was attempting to obtain assistance. 

The tone and conduct were inappropriate and interfered with a fair and productive conversation regarding my dispute. Chime records calls, and I requested that the call from XX/XX/year> at approximately XXXX XXXX  be reviewed by a supervisor. 

I also requested written confirmation that my complaint regarding representative conduct was documented in my account notes. I was advised that a reference number or written confirmation may not be available.

I am requesting that Chime formally review the recorded call, document my complaint, and provide written confirmation that the call was reviewed and that appropriate corrective action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding an Affirm installment loan used to purchase a vacation. The loan disclosures, payoff calculations, and ongoing account access are unclear, misleading, and not reasonably understandable to a consumer. 

My loan terms showed : Purchase price : {$3900.00} APR : 34.56 % Total of payments : {$5500.00} I made a down payment of {$200.00} and have made 8 monthly payments of {$230.00} each, totaling {$2000.00} paid so far. 

When I requested an early payoff, Affirm quoted a payoff amount of {$3900.00}, which would result in me paying more than the disclosed total of payments. Affirm has not provided a clear, itemized breakdown explaining how this payoff amount was calculated, including how much is principal versus accrued or remaining interest. 

Additionally, the loan disclosures at checkout were not clear or easy to understand, particularly regarding how interest is applied and how early payoff is handled. Monthly statements are not readily available or provided in a clear, downloadable format, making it difficult to track principal reduction and interest charges over time. 

I attempted to resolve this directly with Affirm. On XX/XX/year> at approximately XXXX XXXX, I was able to reach a customer service representative by phone. The call lasted approximately XXXX minutes. Unfortunately, the representative was unable to clearly explain how the payoff amount was calculated and did not appear to fully understand the loan amortization or payoff structure, leaving my concerns unresolved. 

It is also generally difficult to reach a live representative, and the lack of clear explanations and documentation has made it very challenging to understand my financial obligation. 

I am requesting : A full, itemized payoff statement showing principal balance, accrued interest, and any remaining interest being charged A review of whether the quoted payoff amount exceeds the disclosed total payment obligation Improved transparency and access to monthly loan statements and disclosures I believe Affirms practices are confusing and potentially misleading to consumers, particularly given the high APR and the lack of clear, understandable explanations regarding early payoff and interest application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: CA

Complaint narrative:
Debt collector continued contacting third parties, including family members, after receiving a emailed and verbal cease-communication request, in violation of the FDCPA.

Company response to consumer: Closed with explanation