vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: UT

Complaint narrative:
Affirm Inc is currently reporting an alleged debt of {$170.00} on my Experian credit report under account number XXXX. I have formally disputed this account twice. Despite my repeated disputes, Affirm Inc has continued to report this account without providing any proper verification or valid supporting documentation to substantiate the alleged debt. On both occasions I formally requested the following : - A fully itemized statement of the alleged debt including the original principal, all accrued interest, and any fees assessed - A copy of the original signed contract or agreement between myself and Affirm Inc establishing this alleged obligation - Proof of Affirm Inc 's legal authority to collect and continue reporting this debt - The full legal name and physical address of the original creditor Affirm Inc failed to provide any of the above documentation and instead responded with a blanket verification containing no supporting evidence whatsoever. This is a direct violation of Affirm Inc 's duties as a furnisher of information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation upon receiving notice of a consumer dispute. Furthermore, this account has not been properly marked as " Disputed '' on my Experian credit report as required by law under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Experian has also failed to delete this unverifiable information despite receiving two formal reinvestigation requests. The continued reporting of this unverified, disputed account has caused ongoing and measurable harm to my credit score and financial standing. This pattern of conduct constitutes willful noncompliance with federal consumer protection law under 15 U.S.C. 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, my wife and I were targeted by a highly sophisticated social engineering and identity theft scam resulting in unauthorized fraudulent charges totaling {$1900.00} via XXXX, funded by my XXXX XXXX. 1. The Incident ( Coercion and Duress ) : we were coerced into a 2-hour screen-sharing session by the scammers. Under intense psychological manipulation, duress, and active monitoring, we were forced to process transfers. Because my screen was actively monitored and my highly sensitive data was captured in real-time, this was a transaction made under extreme duress, not a freely authorized payment. 2. FCBA Dispute Rights : Since these funds were drawn directly from my credit line, I am asserting my rights under the Fair Credit Billing Act ( FCBA ) for a full chargeback. I promptly reported this fraudulent incident to the institutions upon discovery, and I am formally escalating this dispute due to the lack of resolution. 3. Failure of Fraud Detection : These transactions were highly unusual and completely out of character for my account history. However, neither XXXX nor Venmo triggered adequate fraud alerts or blocked the transactions, failing their basic duty to protect the consumer. XXXX XXXX XXXX Systemic Barriers and Gross Negligence Post-Reporting : Furthermore, XXXX user interface ( UI ) creates an unreasonable barrier for victims trying to report fraudulent accounts. The reporting mechanism is extremely obscure and poorly designed. Because of this friction, I had to report the incident via a phone call, to which XXXX provided absolutely no follow-up or resolution. It is highly probable that this intentional UI friction deters other victims from reporting, directly enabling ongoing scams. As of today, over XXXX months after the crime, the specific scammer account I reported remains fully active. This proves XXXX XXXX gross negligence and a systemic disregard for consumer protection and basic XXXX responsibilities. 5. Precedent of Resolution by Competitors ( Industry Standard ) : During this exact same screen-sharing incident on XX/XX/XXXX, the scammers also coerced me into initiating a separate transfer using a different peer-to-peer payment service ( XXXX XXXX ). I formally disputed that transaction as well. That institution successfully investigated, recognized the fraud/coercion, and canceled the transaction, protecting me as a consumer. XXXX stands completely alone in its refusal to protect a victim of a documented crime, highlighting a dispute resolution process that falls drastically below standard industry practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I try do payments for XXXX account {$9.00} from my debit card.After third attempt and declined payment XXXX send me a message, - your card blocked, please contact your bank. I call to the bank and question ask a reason my account is blocked? Answer, - because your address in our bank is wrong... I question ask what address is wrong? I confirm my address XXXXXXXX XXXX XXXX XXXX, XXXX. Answer, - because the address in XXXX account is wrong.... Are now each american can have just one address, no more chance to buy second house? I request the name thus person, and I have one, -- -- M like XXXX, XXXX like XXXX, L like like. I never her apple start from letter XXXX, but this is okay, I never her any american can have one house, it is good no just one trousers like communist.... The lady harrass me, and to my request speak with supervisors they declined. I call to the bank to unblock my card 7 times, each time waiting for 15 minutes, no supervisors, each phone call disconnected by bank workers. My next phone call connected to fraud department, operator request me explain fraud. I not report any fraud, I request unblock my card what blocked without any rason, I want make payments for XXXX, it is okay in XXXX account wrote my address, and in my bank account the address of house I was buy and living time to time. Please let me now what the reason the bank put self nose to my business???? Both address is legal.... Harassment is very bad thing and bank workers harass customers.... Maybe they want married to customer, but sorry, I already married.. Please stop this harrasment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint regarding my XXXX XXXX XXXX account ending in XXXX issued by Chase. When this account was opened, my first name and last name were entered incorrectly / reversed. Because of that error, the credit card account is under a different name format from my actual Chase checking account / debit card information. From XXXX until today, I can not see any information of that account in my Chase app and portal including the billing information, and I can not may payment or set up automatic payment via Chase . I attempted to make a payment today via phone call today, but Chase told me they could not process the payment because the name on the payment source did not match the name on the credit card account. In other words, Chases own account setup / name error is currently preventing me from making payment through a normal channel. This is not a refusal to pay. I am trying to pay, but Chase is blocking payment because of the incorrect name on the credit card account. This issue has already caused harm. A late payment has already been reported to my credit report as a 30-day late payment. I have contacted Chase and was told a name correction process is pending, but Chase has still not provided an immediate workable way for me to make payment while that correction is pending. They just asked me to wait for a name correction email to come to my email. I care about my credit score a lot, I really need to remove the negative credit factor - the late payment that not caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my credit report. The accounts listed below were opened when I was a XXXX under the age of XXXX. I did not authorize, apply for, or have knowledge of these accounts at the time they were opened. As such, these accounts are not valid obligations and should not be associated with my credit file. Capital One Under the Fair Credit Reporting Act, you are required to ensure the maximum possible accuracy of the information you report. Because these accounts were established while I was legally a minor and without my knowledge or consent, they are inaccurate and must be removed. I am submitting my ID to show I just turned XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates , LLC regarding their failure to properly validate an alleged debt, their inaccurate verification of disputed information, and their refusal to remove this account from my credit reports. I formally disputed this account and requested proper debt validation from Portfolio Recovery Associates. Despite my request, they failed to provide sufficient documentation to verify that I owe this debt or that they have the legal right to collect it. Additionally, I disputed this account with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). Portfolio Recovery Associates verified the account as accurate without providing any meaningful validation or supporting documentation. This constitutes improper verification of disputed information. To date, I have not received : - A copy of the original signed agreement or contract - Documentation proving I am legally obligated for this debt - A complete payment history - Proof that Portfolio Recovery Associates has authority to collect this debt Their continued reporting of this account without proper validation and their verification of disputed information is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Because Portfolio Recovery Associates has failed to validate this debt and has inaccurately verified it with the credit bureaus, I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ) - Cessation of all collection activity related to this account - Written confirmation that this account has been removed and closed I expect a thorough investigation and prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi when you guys remove the hard inquiries can you make sure its being removed from XXXX and XXXX and XXXX Because there only taking it off on XXXX instead of everything else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I am filing a complaint against a debt collection agency that reported an account on my credit report without providing prior notice or the required validation of the alleged debt. I was never contacted by this collector before the account appeared on my credit report. I did not receive the written validation notice required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have formally disputed this debt and requested validation, but the account continues to be reported. This constitutes reporting of unverified and disputed information, which may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting : Full validation of the alleged debt ; Immediate correction or deletion of any inaccurate or unverifiable information ; Confirmation that the account is properly marked as disputed. I expect this matter to be investigated and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
One payment made next day. The larger amount wasnt paid. I feel like I was being gaslighted by the last person saying she have an account with XXXX which sometimes takes 30 days. One done electronically and I gave the same address. The other larger amount was mailed and never paid.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I purchased a car in XXXX for {$21000.00}, Im currently behind on payments because of medical issues but outside of that I feel like somethings not right. I still currently in XXXX owe them {$15000.00} approximately. I just sat and added up every single payment that I made since XXXX when I purchased the car and it added up to {$43000.00} that Ive paid my contract says that the final cost after interest would be about XXXX I think approximately. Every payment I pay now still either 100 % or most go towards interest. I even looked back on every single payment as I was adding them up. There were two payments above {$2000.00} where {$80.00} for one went towards principle the rest towards interest my monthly payment is {$520.00} but even on a {$2500.00} payment only {$400.00} went towards the principle and the remainder towards the interest. Im not sure if Im writing to the right place. Im not sure if theres anything I can do but at this rate Im gon na be paying in this car for another 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
I am writing to file a complaint against my mortgage company for wrong doing and possible discrimination. On XX/XX/XXXX an intruder broke into my home after a realtor showed them my home on XX/XX/XXXX. I believe the realtor was involved as well. When I got to the house on Thursday XX/XX/XXXX to show them my home property to another potential buyer. Someone was in my house with the locks changed, blinds put up and a ring doorbell on the front door. I called the police 4 times as I went to the house to get these criminals removed. They said there was nothing I could do. It would have to be handled in civil court. I was able to contact XXXX XXXX news where the news anchored aired my case and finally the detectives found enough evidence to arrest the intruders after 29 days. She was arrested on XX/XX/XXXX. I called the mortgage company the entire time every week letting them know what happened and what was going on. The intruders destroyed my house from inside and outside causing over XXXX. I asked the mortgage company to please work with me on paying the mortgage so that I could fix the house up to get it sold or rented. They refused to work with me and tried to expedite an early foreclosure. They kept saying that they couldnt do a modification or help. They finally said the would reinstate the loan for XXXX after I fixed the house back up and found a tenant to move into the home in XX/XX/XXXX. All Im trying to do is to work with me and allow a modification. Now, I have filed bankruptcy to stop the process. I just want to save the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I never opened a Santander bank account.. I even went to Santander bank & they said they couldnt find no accounts but its hurt my XXXX I cant open no accounts anywhere.. Santander bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I discovered the unauthorized account when reviewing my credit report in XX/XX/year>. At that time, I noticed an account associated with Affirm, now reported by XXXX XXXX XXXX, that I do not recognize. I have never opened an account with Affirm for this obligation, nor have I authorized anyone to use my personal information to do so. Prior to this discovery, I did not receive any billing statements, account notifications, or communications that would indicate I had an account with Affirm. The first time I became aware of this account was through my credit report, which raised immediate concern that my personal information may have been used without my consent. Upon discovering the account, I took prompt action by disputing it with the credit reporting agencies and requesting validation from the reporting company. I have not received any documentation that proves I opened or authorized this account, such as a signed agreement or any verifiable link between myself and this debt. This situation has caused harm to my credit profile and is affecting my ability to obtain financing, including pursuing a mortgage. I am requesting that this matter be fully investigated and that the account be removed if it can not be properly verified as belonging to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I have been repeatedly charged interest on my Chase XXXX XXXX credit card ( ending XXXX ) due to Chase 's online payment interface displaying misleading balance information. Specific facts : Chase 's online portal displays three separate balance figures simultaneously : " Statement balance, '' " Remaining statement balance, '' and " Current balance. '' On multiple billing cycles, the interface displayed " {$0.00} '' for both " Remaining statement balance '' and " Minimum payment due, '' despite an actual balance being owed and a payment due date of XX/XX/year>. When I attempted to make a payment, the system returned an error stating " You're trying to pay more than you owe '' ( Error code : XXXX ), further indicating no amount was due. I have screenshots documenting this interface behavior across multiple cycles. As a result of relying on these displays, I did not make timely payments and was charged interest I would not have incurred had the interface clearly disclosed the amount owed. Prior pattern : This has occurred on at least two prior billing cycles, resulting in repeated unexpected interest charges. Relief requested : Reversal of all interest charges assessed due to this misleading interface Investigation into whether this UI behavior systematically affects other cardholders Corrective action requiring Chase to clearly disclose amounts due I have retained screenshots documenting the misleading interface across multiple cycles and can provide them upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Issue Type : Fraud / Scam / Billing Dispute Complaint : I am submitting this complaint regarding a XXXX credit card account that has accumulated a balance of approximately {$50000.00}, despite having a credit limit of {$8000.00}. I was the victim of a coordinated romance and investment scam. Over time, I was manipulated and deceived into making transactions under false pretenses. These transactions were not made with informed consent and should be treated as fraudulent. During this period, my account activity escalated dramatically and far beyond my normal usage patterns. Despite this, XXXX continued to approve transactions that resulted in my balance exceeding my credit limit by more than six times. This level of activity is highly irregular and should have triggered fraud detection systems, account restrictions, or intervention. Discovers failure to identify and stop this pattern of suspicious activity significantly contributed to the financial harm I have suffered. I am requesting the following : A full investigation of all disputed charges Removal of fraudulent or scam-induced charges A detailed explanation of how transactions were approved far beyond my credit limit Review of Discovers fraud detection and risk management practices in this case Suspension of any collection activity during the investigation I have also filed reports with the Federal Trade Commission and local law enforcement. This matter falls under my rights pursuant to the Fair Credit Billing Act, and I expect a thorough and fair investigation.

Company response to consumer: Closed with explanation