vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Spina & Lavelle, P.C.
State: AL

Complaint narrative:
I receive a loan original loan company XXXX XXXX in XXXX in XXXX the amount I owed originally was for {$2700.00}, but the Attorney office is sueing me {$5200.00}. Subsquently, after receiving and making monthly payments on the loan, I lost my job of XXXX years on XX/XX/year>. I did inform XXXX XXXX about lost of wages. Starting last year I have been getting harassed by the Attorney Spina & Lavelle, PC ( XXXX ) XXXX with random court documents and part-time job last year was garnish for {$300.00}, and last week they tried to withdraw money from a former bank that I haven't used in XXXX years. I do not work and receive a XXXX check. This attorney had a shrieff XXXX bringing court documents to my home for a debt that should have been covered by insurance after, I lost my wages. In the state of Alabama the statue of limitation for any debt is XXXX years. I am reaching out to you all for assistant. I am aware that this is against the fair consumer act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Applied for Indigo Mastercard on XX/XX/year> got my card in my PO address XX/XX/year> was able to activate it and then tried to use it would not work. Called and was told that on XX/XX/year> mailed me letter stating they needed a physcial address. They closed my account because I did not call and provide that address. I have not gotten letter yet will probable get it in a few days. They did not provide time before closing account. also charged me {$250.00} annual fee. and I never got to use the card. Have talked to XXXX different people and they just tell me card is permently closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported by National Credit Systems , Inc. on my credit report associated with XXXX XXXX. On XX/XX/year>, I sent a certified debt validation request to the address listed for National Credit Systems on my credit report through XXXX. The letter was sent via the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). However, the letter was returned to me as undeliverable with a notice stating that the addressee was not known at the address provided. This demonstrates that the address being reported is inaccurate. Additionally, I have observed that XXXX lists a different address for the same company, which creates further inconsistency in the reporting of this account. Because the company is reporting incorrect contact information, I have been unable to exercise my legal right to request and obtain proper validation of this alleged debt. This raises serious concerns about the accuracy and verifiability of the account. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. Due to the inaccurate address reporting, I have been prevented from exercising these rights. Despite this, the account continues to be reported as valid and unpaid. Requested Resolution : I am requesting the immediate deletion of this account from my credit report due to inaccurate and unverifiable reporting, including incorrect contact information that prevents proper validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: NY

Complaint narrative:
This is a follow-up to CFPB complaint # XXXX which was closed without resolving the issue. I am disputing the allocation of a {$3500.00} payment in relation to a posted cash advance transaction. I dispute the explanation provided regarding payment allocation. You state that payments are applied to the highest interest rate balance first, but that this did not occur because the cash advance was considered unbilled. This explanation is inconsistent with the actual account activity. The cash advance transaction had already posted to my account at the time my {$3500.00} payment was made. In addition, cash advances begin accruing interest immediately from the transaction date. This was therefore a posted, interest-accruing balance carrying the highest APR on the account. Given that no minimum payment was due at the time ( as no statement had yet been generated ), the full payment should have been treated as an excess payment. Under the federal payment allocation requirements of the Credit CARD Act and Regulation Z ( 12 CFR 1026.53 ), excess payments must be applied to balances with the highest APR first. Your explanation does not address how a posted, interest-accruing balance with the highest APR could be excluded from this requirement solely because it had not yet appeared on a billing statement. This raises serious concerns that the payment allocation applied in this case is inconsistent with federal requirements. Please provide a detailed, transaction-level breakdown of how my payment was allocated, along with the specific legal or contractual basis for excluding this balance from highest-APR allocation under these circumstances. I request correction of the allocation and reversal of any resulting interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Payward Ventures Inc. dba Kraken
State: VA

Complaint narrative:
I am a retail investor. Between XX/XX/XXXX and XX/XX/year>, I invested a total of {$1600.00} into the WAR token on Kraken. My largest single purchase of {$1100.00} was made on XX/XX/XXXX, XXXX weeks after Kraken 's primary migration snapshot on XX/XX/XXXX. Kraken allowed me to execute these trades through their mobile app interface with an active 'Trade ' button and no prominent warnings that the tokens were being devalued by 95 % due to an 'external " protocol migration. In Ticket # XXXX, Kraken admitted they did not restrict or flag the interface during this time. By failing to disclose these critical financial risks at the point of sale, Kraken facilitated a transaction that resulted in a near-total loss of my principal. I am now left with only {$66.00} from a {$1600.00} investment.

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 2026-04-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing this complaint against U.S. Bank regarding my ReliaCard account. On XX/XX/XXXX, I made XXXX separate cryptocurrency purchases through XXXX using my ReliaCard. All XXXX of these transactions successfully processed and are marked as " Completed '' on my XXXX account and the funds have been captured by the merchant. However, the U.S. Bank ReliaCard system failed to match the completed transactions with the original pending authorization holds. Because of this technical glitch, I currently have XXXX duplicate pending holds sitting on my card for the exact same dollar amounts as the completed charges. This has caused my account balance to display a false negative balance. I have contacted U.S. Bank ReliaCard customer support, but the front-line agents state that the charges are " legitimate '' and refuse to process an authorization drop, despite me offering the completed transaction numbers from XXXX as proof. This exact same batch settlement error happened to my account last month and only fixed itself after the holds automatically expired days later. I am requesting that a specialist or Tier XXXX support representative manually drop the XXXX duplicate pending authorization holds from XX/XX/XXXX so my account balance can be restored to its correct state.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I am filing a complaint against Rocket Mortgage regarding an unreasonable delay and lack of clear communication related to a subordination form request. I submitted a subordination form request needed for a time-sensitive farmland preservation/property matter. During phone calls with Rocket Mortgage representatives, I was initially told the request would be completed within approximately XXXX days. After that timeframe passed, I was later told by phone that it would take XXXX business days. That later timeframe has also passed, and I still have not received the completed document or a reliable status update. Most of the timeline representations were provided verbally by Rocket representatives over the phone. I can provide call logs showing repeated contact attempts and follow-up calls. Despite multiple calls, voicemails, and email follow-ups, XXXX has not provided a clear completion date, has not confirmed whether anything is missing, and has not assigned clear ownership to someone who can resolve the issue. This delay is creating unnecessary risk to a time-sensitive property/preservation process. I am not asking XXXX to approve a new loan or change loan terms. I am asking XXXX to complete and return the required subordination documentation or clearly identify any specific issue preventing completion. Requested resolution : XXXX. Rocket Mortgage should immediately confirm whether it has all required documents. XXXX. Rocket Mortgage should provide the name and direct contact information of the person handling this request. XXXX. Rocket Mortgage should provide a firm completion date and return the completed subordination form immediately. XXXX. If Rocket Mortgage can not complete the request, Rocket should provide a written explanation stating exactly why. XXXX summary : - Subordination form request submitted to Rocket Mortgage. XX/XX/year> - Rocket representatives verbally stated by phone that the request would be completed within approximately 2 days. - After that timeframe passed, Rocket representatives verbally stated by phone that the request would take XXXX business days. - That XXXX business day timeframe has now passed. - I have made repeated calls, left voicemails, and sent email follow-ups. - I still do not have the completed form, a firm status update, or a clear explanation of what is delaying completion. Company involved : Rocket Mortgage Issue : Delayed subordination form / failure to provide timely response / lack of clear communication Desired outcome : Immediate completion and return of the subordination form, or a written explanation of any specific missing requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. I am writing to formally dispute the derogatory status of an account listed under Santander Consumer USA on my XXXX credit report. The account number ends in XXXX, and it currently shows a balance of {$0.00} with a derogatory status. I have previously filed disputes regarding this account on XX/XX/XXXX, XX/XX/XXXX, and most recently on XX/XX/XXXX. Despite these efforts, the incorrect information has not been corrected or removed from my credit report. The persistence of this inaccurate derogatory account is having a significant negative impact on my credit scores, which are currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incorrect information on my credit report, and the XXXX XXXX XXXX is required to investigate my claim within a reasonable period. Despite my repeated attempts to rectify this issue, the derogatory account remains incorrectly reported. This is causing undue harm to my financial reputation and limiting my ability to obtain credit on favorable terms. I am requesting the complete removal of this account from all three credit bureaus : XXXX XXXX XXXX XXXX, as the current derogatory status is inaccurate and unjustified. I trust that this matter will be addressed promptly and that the necessary corrections will be made to my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: MD

Complaint narrative:
On Saturday, XX/XX/XXXX, I received the email below from Acima. I did not initiate this request : Dear XXX XXXX, This notice confirms your verbal authorization to change your renewal payment date, amount, or frequency as outlined in your Lease Agreement. Your existing scheduled renewal payment date, amount and/or frequency will be revised according to the following schedule : Previous Renewal Payment Frequency : Every Other Week Previous Renewal Payment Amount : {$300.00} New Renewal Payment Frequency : Every Other Week New Renewal Payment Amount : {$300.00} New Renewal Payment Date : Friday, XXXX XXXX Last Renewal Payment Amount : {$300.00} Account Renewal Payment to be Processed From : XXXXXXXX XXXX If you have any questions, please chat with us ( Monday - Friday XXXXXXXX XXXX - XXXXXXXX XXXX XXXX Saturday XXXXXXXX XXXX - XXXXXXXX XXXX XXXX ). Sincerely, Acima Leasing XXXX Customer Service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding my financial institutions handling of a fraud claim involving unauthorized debit card transactions at Wells Fargo Bank. I discovered multiple transactions on my debit card that I did not authorize. I immediately took action by reporting the fraudulent activity to my bank, filing a formal fraud claim, and closing my debit card to prevent any further unauthorized use. Despite my prompt reporting and cooperation, my bank denied my fraud claim. They stated that the transactions were conducted using my physical card via contactless ( tap ) or chip methods. However, this conclusion is incorrect. The transactions in question were made with companies that operate exclusively online and do not have physical retail locations, making it impossible for them to have been completed using a physical card in person. Below is a list of the disputed transactions : XX/XX/year> - XXXX - {$13.00} XX/XX/year> - XXXXXXXX XXXX {$10.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/year> - XXXX XXXX XXXX - {$20.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX {$3.00} I did not authorize any of the above transactions, nor did I provide my debit card information to any unauthorized party. I believe my card information was compromised and used fraudulently. I am requesting that the CFPB investigate this matter and assist in ensuring my financial institution conducts a thorough and accurate review of my claim. I also request reimbursement for the unauthorized transactions and any associated fees. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
Hello, I sent a letter on XX/XX/year> and havent heard back. Please take a moment to review it as it explains everything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: IL

Complaint narrative:
TrueAccord Corporation is reporting a {$320.00} collection for XXXXXXXX XXXX XXXX on my XXXX credit report. I do not recognize this account or the original XXXX XXXX XXXX debt. FTC XXXX Theft Report XXXX filed XX/XX/year>. Requesting immediate cessation of collection activity and deletion from XXXX XXXX reports under 15 USC 1681c-2 and 15 USC 1692g .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
on XX/XX/XXXX I reported my cards stolen, they claimed to have deactivated my cards and that no transactions could go on my account. however during the almost XXXX weeks it took to recieve my new cards they were allowing charges to present to my account, my cards were turned off when they were stolen so no transaction could go through, I recieved my new cards on XX/XX/XXXX ad activated them they were still allowing transactions from the old cards to be presented on the account, durring the time between when they claim that they deactivated my cards and today I called them XXXX times asking why they were alloing these transaction to be presented, I recieved my direct deposit on XX/XX/XXXX and another on XX/XX/XXXX totaling over {$4000.00} on XX/XX/XXXX they allowed an {$18.00} charge to go through that was from the previous card numbers, the stolen ones, at around XXXX ( I cant find the exact time because I am locked out of the account ) I called them the moment I saw the charge notification on my phone and the man told me that he was not going to do anything about the charge, I explained everything I just explained to him and he said the charge was presented today, I said yes but it was not on the new cards it was on the ones that were never deactivated and he asked if I wanted to for him to close the account I told him no if I want it closed I will do it myself, I was in my car talking to him on the phone I used my new card a few minutes later and then i got a notification that I had been signed out of the app, when i tried to sign back in it told me my account had been closed. I then called customer service and asked why my account had been closed and they said because I was no compliant. I said they were going to have to explain that and they refused I kept calling back and finally, I was transferred to someone who was going to reopen my account, mid conversation he claimed he could not hear me any more and he hung up the phone, so I called again and got back to that department and I was told that because of the reason for the account closure reason my account could not be re opened and they will mail me a check for my ballance between XXXX and XXXX days, I have no idea how I was non compliant when they were allowing transastions to be presented on deactivated cards and all I did was complain about those transactions, now I cant pay rent or my bills and I will be homeless in less than a week if I can not pay my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: IL

Complaint narrative:
XXXX XXXX XXXX is reporting a {$52.00} collection for XXXX XXXX XXXX on my XXXX credit report. I have never had an XXXXXXXX XXXXXXXX XXXX and do not recognize this debt. FTC XXXX Theft Report XXXX filed XX/XX/year>. Requesting immediate deletion from XXXX XXXX reports under 15 USC 1681c-2 and 15 USC 1692g .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation