vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I am submitting this response as a new CFPB case because previous case number XXXX was closed without a fair or accurate resolution, and I do not agree with the companys conclusions. 

The company continues to assert that the account belongs to me despite my repeated disputes, my identity theft claim, and my filing of an Identity Theft Report with the Federal Trade Commission ( FTC ). I do not own this account, I did not open or authorize it, and I am not legally responsible for it. 

In the prior CFPB case ( XXXX ), the company relied on internal records and representations from its client to justify continued reporting. However, reliance on internal records does not resolve an identity theft claim. Identity theft frequently involves the misuse of accurate personal information, which can appear consistent in a companys system even when the consumer did not authorize the account. 

The company has not provided competent proof that I am responsible for this account. Specifically, they have not provided : A contract bearing my signature Verifiable proof of my affirmative authorization Evidence that I knowingly applied for or agreed to the account Instead, the company has repeatedly stated that because I lived at or was associated with an address during a certain period, the account must be mine. Living at or being associated with an address does not establish that I opened or authorized utility services or a debt in my name. Identity theft can and does occur in situations involving shared or prior addresses. 

I also dispute the companys characterization of my FTC Identity Theft Report. Filing an FTC Identity Theft Report is a formal declaration under penalty of perjury that fraud occurred. It is not merely a statement of belief or a lack of recollection. The FTC report documents that I am asserting non-ownership due to identity theft, and it should be given appropriate weight. 

Because the prior CFPB case was closed without addressing these issues and without correcting the inaccurate reporting, I am creating this new CFPB case to seek proper review and resolution. The continued reporting of this account has caused ongoing harm to my credit profile and has required repeated disputes over an account that does not belong to me. 

I do not agree with the companys response in case number XXXX, and I am requesting renewed regulatory review. The account should be blocked and removed/deleted from my credit report because it is the result of identity theft and does not belong to me.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: A-1 Premium Acceptance, Inc.
State: TX

Complaint narrative:
Took loan out XXXX of XXXX for {$700.00} was told it would XXXX when I pay on the XXXX however they went thru back at XXXX took XXXX then when I call to make my pay off was told I could not. Waited until XXXX of XXXX paid loan off everything ok. Then I get email XXXX call talking about I owe another XXXX n fees which all came out to XXXX more ridiculous. How when I already paid it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: VA

Complaint narrative:
Company : National Debt Relief Product/Service : Debt settlement / debt relief program What happened I enrolled in a debt relief program with National Debt Relief around XXXX At enrollment and during early communications, I was instructed to stop making payments on my credit card accounts as part of the programs strategy. 
At the time, the risks of this instruction were not clearly or meaningfully disclosed to me. Specifically, I was not adequately informed that stopping payments would severely damage my credit, trigger collections, permanently harm my relationships with creditors, or limit my future ability to obtain credit even after the program ended. 
I followed the advice provided because I relied on the companys expertise and representations. As a direct result, my credit deteriorated significantly, accounts were charged off or sent to collections, and my ability to work with banks and lenders was harmed long-term. 
I now understand that instructing consumers to stop paying is a common debt-settlement tactic, but this was not presented to me with clear, plain-language disclosure of the full consequences. I believe the information provided at enrollment minimized or obscured the real risks, which influenced my decision to participate. 
Why this is a problem I believe National Debt Relief engaged in misleading or insufficient disclosure regarding the consequences of stopping payments. Had the full impact been clearly explained, I would not have agreed to proceed in the same way. 
Although time has passed, the negative effects of this advice were long-lasting and only became fully apparent over time as I attempted to re-establish credit and relationships with financial institutions. 
What I want to happen I am requesting that : The CFPB review National Debt Reliefs disclosure practices related to advising consumers to stop paying creditors. 
My complaint be added to the record to help identify whether a broader pattern exists. 
National Debt Relief provide a response addressing whether their disclosures at enrollment were adequate and compliant with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Commercial Services, Inc
State: TX

Complaint narrative:
National Commercial Services , Inc. ( NCS ) is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ). 

The alleged debt arises from a disputed insurance claim involving Additional Living Expense ( ALE ) coverage. XXXX  was authorized to bill my insurer directly for approved ALE expenses. My insurer terminated ALE coverage effective XX/XX/XXXX, and I vacated the temporary housing on that same date with timely written and electronic notice to XXXX. I did not occupy, approve, or benefit from housing beyond that date, and I did not receive any insurance funds that were required to be forwarded to XXXX. 

I do not owe the alleged balance.

I sent a written dispute to NCS via USPS Certified Mail. That dispute was delivered to NCSs offices on XX/XX/XXXX at XXXXXXXX XXXX, as confirmed by USPS tracking ( Delivered, Left with Individual, XXXX XXXX, CA XXXX ). 

Despite receipt of my dispute, NCS sent a letter dated XX/XX/XXXX claiming to have validated the debt. The materials enclosed with that letter consisted solely of XXXX invoices, XXXX demand letters, and a temporary housing agreement authorizing insurer direct payment. None of the materials provided establish that I personally owe the alleged debt. 

Specifically, NCS failed to provide : Proof that I occupied or approved housing during the period billed ; Proof that ALE coverage existed for the billed period ; Proof that my insurer paid funds to me for these charges that I failed to remit ; Any contractual provision making me personally liable for charges incurred after vacating the property following termination of insurance coverage. 

Notwithstanding the lack of proper validation, NCS continues to demand payment and threatens further collection activity. This is an improper attempt to convert an unresolved insurance coverage and billing dispute between XXXX and the insurer into a personal consumer debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Meta Payments Inc.
State: GA

Complaint narrative:
" Meta Pay XXXX # XXXX is withholding my funds. I have attempted to resolve this through their internal support multiple times and they have failed to provide a technical explanation or a timeline for release. This is causing financial harm ahead of a real estate move on XX/XX/XXXX. 

Transaction occurred on XX/XX/year>. 
Transaction amount {$170.00} Actions I have taken include multiple attempts at resolution by submitting tickets to their support team per their instructions. Several calls to their support call center. I explained to Meta Pay how the funds transferred through this transaction were received using a payment method that was not mine and that the card that was used to receive the payment was added to my account without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2026-01-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I was charged {$210.00} for XXXX pairs of prescription glasses purchased through XXXX XXXX, paid via XXXX and charged to my Bank of America credit card. Each pair included a paid upgrade to XXXX high-index lenses. 

After delivery, the glasses were unusable due to excessive lens thickness. XXXX admitted in direct correspondence that the selected frames affected lens thickness and refused to correct the issue, offering only store credit instead of a refund or replacement. 

Importantly, XXXX could have identified before production that the selected frames would not allow the paid high-index lenses to deliver their intended benefit. This limitation was not disclosed at checkout, and the system allowed me to pay for a premium lens upgrade that XXXX later stated could not be meaningfully delivered. A customer should not be charged for an upgrade when the merchant already knows it will not provide the advertised benefit. 

I filed a billing dispute with Bank of America. The dispute was denied based solely on XXXX return policy, without considering that these are prescription glasses ( an essential vision aid ), that a return-first requirement would leave me without glasses for weeks, or that the paid lens upgrade did not deliver its intended practical benefit. 

XXXX also provided inconsistent explanations to me versus to the bank regarding whether the frame negated the thinner-lens benefit. Despite this, Bank of America did not consider misrepresentation, hardship, or medical necessity when denying the dispute. 

I am requesting executive-level review and reconsideration of the dispute handling.

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 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This loan resulted from fraudulent misrepresentation and deceptive practices by the contractor, AND Services, whose sales representative submitted false information to obtain financing through XXXX XXXX. 

In XX/XX/year>, approximately XXXX  days after purchasing my home, AND Services responded to an emergency sewer backup. The sales representative was unable to resolve the issue and escalated the scope of work repeatedly, first charging for unclogging, then upselling a hydroscrub, and ultimately claiming that a full sewer replacement was required. 

I later obtained video evidence showing the sales representative telling his supervisor that he had upsold us to a sewer replacement. I believe the sewer damage was caused or exacerbated by the contractors actions. 

The sales representative instructed me to cancel a prior financing application that I completed myself and stated he would help me apply for new financing through XXXX XXXX. He completed the application himself and only asked me for signatures and my Social Security number. I was not shown the income figures entered and did not authorize false information. I have since learned that falsified income was used to approve a loan of approximately {$24000.00} that I can not afford. 

The work was misrepresented as a one-week project but took approximately XXXX months. During this time, my home was left without a functioning bathroom, toilets were removed and not replaced, holes were left uncovered, concrete debris was left throughout my yard, and large contractor-sized holes remained for weeks. The contractor repeatedly failed to show up as promised and provided false timelines.

I am disputing this loan because it was approved using false income information and misrepresentations regarding project necessity and completion. I have formally disputed the account with XXXX XXXX in writing and requested all documentation used to approve the loan. 

I am requesting that XXXX XXXX place the account in dispute status, cease collection activity, investigate the fraudulent information submitted by the contractor, and correct or void the financing agreement.

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 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mother passed away last year in XXXX. I was her caregiver and executor. There was a trust, but the bank named the trust wrong when the account was created. So they would not release the money due to a discrepancy in the name. So, at great expense to myself, I hired an attorney and got a court order on XX/XX/XXXX to put this account ( XXXX ) under the trust name. I have been to Chase countless times to make this right over the last year. In XXXX I presented this court order to Chase and the legal department made a remark that they would have liked more language in the court order and I am not getting a response more than this. This document is legally binding. The other banks have released the funds. I am not sure why Chase is being non-compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
Received collection notice from CRM LLC for my sole proprietor LLC for XXXX that I neither requested nor authorized.

CRM LLC provided what appears to be a XXXX  statement for an account that does not belong to me or my business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have maintained an auto loan with Wells Fargo Auto since XX/XX/XXXX. For nearly XXXX years, I have had a perfect payment history. 

The issue concerns my payment for XX/XX/XXXX. This payment was initiated via XXXX XXXX Bill Pay ; the funds were successfully deducted from my account, and a check was mailed to Wells Fargo. When the payment did not post, I contacted Wells Fargo immediately. I have been in contact with their customer service department approximately twice a month for the past XXXX XXXX to resolve this missing payment, while continuing to make all subsequent monthly payments on time. 

In XX/XX/XXXX, an investigation by XXXX XXXX confirmed that the check was never cashed and was possibly " lost in the mail ''. This was a third-party error outside of my control. 

Despite my consistent communication and XXXX history of on-time payments, Wells Fargo has assessed {$96.00} in late fees. When I requested a waiver of these fees given the proven mailing error and my diligence in resolving it, the representative was dismissive, telling me effectively " tough luck '' and to " make payments on time next time. '' I am requesting a refund of these punitive fees. Penalizing a consumer who had funds available and acted in good faith to resolve a mailing error is an unfair practice.

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 monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: AL

Complaint narrative:
AR RESOURCES is falsely reporting on my credit. I have never had any accounts with them. Per my research AR RESOURCES 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 2026-01-27 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: DE

Complaint narrative:
Venmo I have been trying to login in for over a week and unable to do so. I change passcode several times, uninstall and reinstall app, every rep I spoke with has me to the same thing over and over again. Still cant logged in. States escalation to engineer over a week again and still not resolved. This is horrible how they are treating their customer. All they tell me keep trying everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: MoneyLion Inc.
State: DE

Complaint narrative:
First, I received a debit card in the mail. I call the number on the accompanying paper but felt uncomfortable giving the information they were asking for. I looked up MoneyLion on-line and found a different number. I called them. I asked to close account. They asked for DOB and last 4 of Social. I gave it to them. They said they could not verify my identity and therefore could no longer provide service. I asked for Fraud dept. They said they had one but could not transfer me. I asked if they could tell if there was a balance or any transactions on this account. They would not tell me. I called back on same number but there was no option for Fraud dept.

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 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX AM, I received a phone call from a Comenity Bank representative regarding my XXXX credit card account. The representatives XXXX ID is XXXX. The call lasted approximately five minutes. 

After the representative explained the reason for the call, I clearly stated that I was at work assisting a client and requested to return the call later, around XXXX PM, because I needed to complete my work duties. I also asked whether there was a website or online portal where I could review my account while at my desk. 

The representative refused to provide alternatives and responded in a sarcastic and aggressive tone, stating : So you can answer the phone but you cant make a payment? 

I reiterated that I was at work and that calling back later would allow me to properly address the issue. Despite this, the representative continued pressuring me to provide credit card or bank account information immediately. He made statements implying that I could not afford my payments and said it was not his fault that I had payments to make. 

When I calmly explained that I was not refusing to resolve the issue, only requesting to call back after work, the representative began yelling, raising his voice repeatedly, and insisting on immediate payment. I told him that his tone was inappropriate and asked him to stop, but he continued to yell and escalate the conversation. At one point, when I stated that I would contact a supervisor regarding his conduct, he responded : Go ahead call my supervisor, thats not going to do anything. 

Because of the continued verbal harassment, I was forced to hang up after approximately five minutes to avoid further escalation. 

Immediately after the call, I informed my supervisor at work about the incident and requested permission to step away to contact Comenity Bank management. Permission was granted. I then contacted Comenity Bank, spoke with a XXXX named XXXX, and filed an internal complaint regarding the representatives behavior. 

I believe this call was recorded. I request that Comenity Bank review the call recording, take appropriate corrective action regarding the representatives conduct, ensure that the representative is removed from my account, and restrict all future communication with me to written contact only.

Company response to consumer: Closed with non-monetary relief