vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I, XXXX XXXX, deny the plaintiff & # 39 ; s allegations. I lost my wallet and phone around XX/XX/year>. After that date, I did not authorize any use of the credit card account in question. I was unaware that the account was still active or being used. I did not receive any statements, alerts, or notices, because I did not replace my phone until XX/XX/year> and had no reliable access to email or financial accounts during that time. 

Any payments made after XX/XX/year> were not knowingly authorized by me and may have been automatic or unknown charges. This lawsuit was the first time I became aware that the card was still active and carrying a balance. I respectfully ask the XXXX to deny judgment unless the plaintiff can provide clear and specific evidence that I personally authorized or benefited from the charges in question.

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 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
A debt collector is furnishing inaccurate credit information by reporting a late or delinquent account that is disputed. I notified the debt collector that the information being reported is inaccurate and requested a correction and a reasonable investigation. 



Despite receiving notice of the dispute, the debt collector failed to properly investigate the matter and continued to furnish inaccurate information to the consumer reporting agencies, resulting in damage to my credit. 



I am requesting that the debt collector conduct a proper investigation and correct or delete the inaccurate information in accordance with the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Self Financial Inc.
State: MN

Complaint narrative:
I am filing this complaint against Self Financial/Lead Bank for inaccurate credit reporting and failure to properly investigate a billing dispute.

I previously disputed unauthorized charges on my account. Self Financial did not provide supporting documentation or investigation results and continued reporting late payments associated with the disputed charges. 

I requested verification through the credit bureaus. No documentation was provided, yet the late payments remain reported. 

Reporting late payments tied to unresolved billing disputes violates consumer protection laws and is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd

Complaint narrative:
I am a resident of XXXX. On XX/XX/year>, I sent a USD XXXX SWIFT transfer from my personal bank account to my Wise account ( Wise XXXX XXXX ) in order to make a payment to XXXX. 
The funds were debited from my bank account, however they never reached my Wise account and were not delivered to the final beneficiary. Wise informed me that the transfer was canceled and that the funds are not in their accounts, while my bank confirms that the funds have already left my account. 
Despite multiple follow-ups, Wise has XXXX to provide a clear explanation of where the funds are currently held. They state that they can not communicate directly with the correspondent bank and have not provided a concrete resolution or timeline. As a result, the funds are neither with Wise nor returned to me. 
My bank has officially initiated a XXXX recall and trace process, and the correspondent bank has been identified, yet XXXX response has been inadequate and non-transparent. I am seeking assistance to recover my funds or receive a clear and documented explanation of the current status of the transfer. Transfer was on XXXX XXXX. I need that money immadiately on my account. XXXX is a big amont in XXXX. Kindly provide to WISE contact with correspondent bank and let them finalise it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Please remove this negative item from my credit reports. Midland Credit Management states that they are the legal owners of the account and are entitled to repayment. I asked for the purchase agreement and a debt validation letter from the company and have not received it. The account is also listed as a charge off and MCM is illegally trying to collect money from me after the charge off. I demand that MCM pay me {$1000.00} for wrongfully threatening me and contacting me after I have refused to pay for the debt. 

Per 15 USC 1692C THAT LAW CLEARLY STATES THE IF THE CONSUMER NOTIFIES A DEBT COLLECTOR REFUSES TO PAY A DEBT THAT THE DEBT COLLECTOR MUST CEASE ALL COMMUNICATION.

A CHARGE OFF IS CONSIDERED INCOME ACCORDING TO THE IRS. ACCORDING TO CONGRESS 15 USC 1681 2 ( a ) ( i ) NO TRANSACTIONS ARE ALLOWED ON A CONSUMER CREDIT REPORT. PLEASE PROVIDE A 1099 C FOR THIS CHARGE OFF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: UT

Complaint narrative:
On XX/XX/year>, I purchased a XXXX order totaling {$120.00} using Klarna installment payments and paid the first installment of {$31.00} at the time of purchase. The order was canceled on the same day. On XX/XX/year>, I reported the issue to Klarna and opened a dispute because I was concerned the installment payments would not be canceled. 

XXXX confirmed the cancellation of the order but refunded the transaction as store credit ( XXXX XXXX ) instead of returning the funds to Klarna. I did not authorize a store-credit refund. 

I contacted both XXXX and Klarna multiple times and provided proof of cancellation. Despite this, Klarna closed my dispute and continues to show an active balance for a canceled transaction. Klarna has stated that I am still required to make installment payments even though the merchant did not process a proper refund. 

I did not receive the goods or services associated with this transaction. I am being billed for a canceled order due to a merchant processing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I applied for a payday loan from a company masquerading as XXXX XXXX. They told me my personal loan was approved for $ XXXX & I was given a confirmation number.

My checking account had {$2300.00} in it at the time, which they wiped out & then without any funds available in my account, they withdrew it into the negative totaling {$18000.00} over a 5-day period.

My bank ( USAA ) allowed them to do this & the only notification to me was paperwork through the mail after my initial complaint to USAA on XX/XX/year>. They made no attempt to contact me via email or phone beforehand. 

My bank now says I owe them the {$18000.00} but says I have an indefinite amount of time to repay this scammed amount. 

Thank you, XXXX 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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My paypal account is XXXX XXXX XXXX. Ive used it for the exact same thing for the last 10 yesrs. I was temporarily limited in XXXX and provided information to not only customer service agents but i also spoke with a manager and gave her information and after the upper level paypal representatives reviewed it, my account access was restored. I receive and email this evening that the same 10 year old account that I still use for the exact services I provided to the representatives who unblocked my account in XXXX was now permanently deactivated. Nothing has changed but now no one can give me information as to why it did not violate these policies back then, but all of a sudden it does now? 

I use my account appropriately. I feel your decision is too vague and highly inaccurate and request for immediate review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Issue where my lender is my school — Issues with fees connected to the loan
Company: Climb Credit Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX. I saw an ad on XXXX promoting fronted simplified school about web developers. I reach out. They asked me to sign some paperwork. I asked him. Then I find out their creditor is Climb credit and since they have bad reviews from been fraudulent and unrealiable I tried to back off from the loan and they have been negative about it. 
The amount of the loan should be {$10000.00} they have for {$14000.00} They send me paperwork that we're not signed by me to finalize the procedure... So I'm pretty sure I should have signed it to agree with the loan that was not signed... However, they proceeded with the loan anyways. I have not made any payment as of today, XX/XX/XXXX. However they are not been reasonable I would like to have someone help me with this issue. I feel helpless. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
I am filing this complaint against Bank of America in relation to a recent fraud claim ( Claim # XXXX ) that was denied despite extensive evidence and clear communication on my part. The transactions in question totaling {$650.00} ( with an additional $ XXXX pending under the same context ) were made by my XXXX child without my authorization or knowledge, using a payment method saved via XXXX that did not require password re-entry. 

Upon discovering these charges, I immediately contacted Bank of America and submitted a fraud claim. When it was initially denied, I escalated the issue and spoke with a XXXX XXXX XXXX. I also followed up with a formal mailed statement clearly explaining the situation : these charges were made by a XXXX, without parental consent, and were therefore unauthorized. Despite this, Bank of America rejected the claim a second time, citing that the merchant confirmed merchandise or service was provided which entirely ignores the core issue that the person making the purchase was a XXXX and did not have legal authority to do so. 

Why I believe this was mishandled : My repeated clarification that these were unauthorized transactions made by a XXXX was never acknowledged in the rejection reasoning. 

There was no evidence that Bank of America meaningfully reviewed my escalation or the mailed documentation. 

The bank failed to recognize its responsibility to protect account holders from unauthorized use especially by XXXX, which is a well-established category of fraud. 

This dismissive handling appears either grossly negligent or intentionally evasive.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I attempted XXXX ATM withdrawals of {$200.00} each at the same ATM located at XXXX XXXX XXXX XXXX XXXX, FL. 

The first withdrawal was successful. The second withdrawal was authorized and debited from my account, but no cash was dispensed. 

I retained both ATM receipts, which show XXXX {$200.00} withdrawals occurring XXXX minute apart ( XXXX and XXXX ), with my available balance reduced to {$0.00}. Despite this, I only physically received {$200.00} total. 

I disputed this transaction with Cash App and submitted the receipts as evidence. Cash App denied both the dispute and the appeal without providing proof that cash was dispensed or confirming that ATM journal logs or cash-balancing records were reviewed. 

This is a documented ATM no-dispense error. I am requesting a full investigation under Regulation E, including coordination with the ATM operator to review electronic journal logs and cash reconciliation records, and reimbursement of the {$200.00} that was never dispensed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Shellpoint has stated that my loan modification can not proceed because the title to my property is not in my name. This assertion is incorrect. I hold legal title to the property, and I have submitted recorded title documentation on XXXX separate occasions, each time demonstrating clear ownership. 
Despite these submissions, Shellpoint has : Failed to identify any specific title defect ; Failed to cite any recorded document creating an alleged defect; Refused to provide access to anyone in their legal or title review department ; Provided only a generic complaint email address with no substantive response. 


Shellpoint has never explained whether this determination is based on servicer discretion or investor guidelines, nor has it identified whether it believes I do not hold fee simple title or that the title is unmarketable or uninsurable. 
I have acted in good faith throughout the loss-mitigation process and have complied with all documentation requests. Shellpoints vague and unsupported assertion that title is unclear is preventing completion of loss-mitigation review and exposes me to imminent foreclosure. 
Foreclosure proceedings are active. The mortgage is in my name, and delay caused by Shellpoints failure to properly review title documentation creates a risk of irreparable harm, including loss of the home and equity. 
This appears to be a failure of internal escalation to legal review and a breakdown in loss-mitigation compliance.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am disputing the accuracy and legal validity of a collection account being reported by LVNV This company is not the original creditor and has failed to provide competent evidence that it has the legal right to collect or report this alleged debt. 

Despite my disputes, the company continues to report this account without producing : A complete chain of title showing lawful ownership of the debt A copy of the original signed agreement or contract Documentation showing how the balance was calculated, including interest and fees The continued reporting of this account appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by furnishing unverified and potentially inaccurate information. 

The company has either failed to properly investigate my dispute or is reporting information it can not substantiate. 

I believe this account is being reported without proper documentation and request regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am being hacked. I have severe identity theft. 
My Cash App account is being used in My name By an unauthorized user. 
They created some investment and bitcoin company, Under my name Social security birthday. 

On this new Cashapp account, my personal tax information appeared. My 2024 XXXX tax returned appeared on this unauthorized account. My XXXX tax statements thru Cash App shows my XXXX social security number. 
I have NEVER put my XXXX social security number thru any online form. 
These people ( hackers are sending money to other countries. 

I am trying to work with Cashapp. But it is taking a long time. 
I am concerned for my son identity!. 

But I need more help!! 
Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
on XXXX XXXX, i return both items from my XXXX  purchase ( a handbag and a charm accessory ) together in one XXXX package. I drop-off receipt confirming acceptance of the package. 

XXXX issued only a partial refund for the handbag and falsely claims that the charm was not return. I contacted XXXX  multiple times between XX/XX/XXXX and XXXX XXXX and was repeatedly given conflicting information and no resolution. 

I filed a dispute with Affirm. Despite my proof of return, Affirm closed my dispute claiming lack of evidence '' and is now billing me for merchandise that I returned. 

I am requesting regulatory intervention, correction of my account, and a full billing adjustment for the returned charm accessory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank has frozen my Citi XXXX XXXX XXXX  account with over XXXX points for XXXX months citing suspicious activity but has provided no timeline or resolution. The points are unusable for any redemption. I am requesting immediate release of points or a written forfeiture determination.

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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I signed a lease for a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. The original lease was with XXXX XXXX, but XXXX declined to fund the contract. 

On XX/XX/XXXX, I executed a valid replacement lease with Toyota Financial Services with a lower monthly payment. Due to dealership administrative errors, Toyota Financial failed to properly board that contract and instead boarded the void XXXX lease. 

I have since been contacted multiple times and told that I am past due on payments under the void XXXX contract, including late fees, even though that contract was never funded and was rescinded. 

On XX/XX/XXXX, the dealership was forced to execute a second Toyota Financial lease to correct their error.

Toyota Financial is still attempting to collect under the void contract and has been unable to verify or board the valid contract. I have not made payments because the lender has not provided a properly boarded valid account. 

I am requesting immediate correction of their internal records, suppression of all collection activity, and written confirmation that no adverse credit reporting has occurred or will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
Buyers contract was falsified by XXXX  XXXX at XXXX XXXX. 
The contract will speak for itself. 
Ford credit financed the XXXX XXXX vehicle and they both refuse to acknowledge or accept liability for wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In XX/XX/2025, a fraudulent check for approximately {$4600.00} was deposited into a joint Chase checking account held by myself and my former XXXX. Although the check contained my former XXXX legal first and last name, neither of us deposited the check, and we were not aware of its origin. 

Upon discovering the deposit, I immediately contacted Chase to report that the check was fraudulent and instructed the bank not to allow the check to clear. During that call, I was explicitly reassured by a Chase representative that the check would not go through and that the matter would be handled. I relied on those assurances. 

Despite my timely report and Chases acknowledgment of the issue, after a hold period of approximately XXXX weeks, Chase released the funds anyway. Shortly thereafter, the funds were withdrawn in XXXX transactions, including a {$3000.00} ATM withdrawal. 

When I contacted Chase again to report the unauthorized withdrawals, I was informed that the ATM withdrawal was conducted using my former XXXX debit card. My former XXXX denies making the deposit or withdrawal. Regardless of any third-party actions, I did not authorize the transactions, did not benefit from the funds, and had taken reasonable and timely steps to prevent the loss by notifying Chase before the funds were released. 

Chase has since closed the account and charged off the balance, and I continue to receive collection calls demanding payment for approximately {$3000.00}. I dispute this balance in full. The loss occurred only because Chase failed to prevent withdrawal of funds from a deposit I had already reported as fraudulent and was assured would not be released. 

I believe Chases actions constitute bank error and an unfair allocation of liability. I relied in good faith on Chases representations, and I should not be held responsible for losses resulting from the banks failure to act after receiving notice of a fraudulent deposit. 

I am requesting regulatory review of Chases handling of this matter and appropriate relief.

Company response to consumer: Closed with explanation