vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Since XX/XX/XXXX, I've been receiving loan confirmations from Affirm, specifically from XXXX XXXX XXXX. I don't know what products they sell. I was working as a nurse that day. I didn't take the loan. Then they took another one from a company called XXXX XXXX ; I don't know what they sell either. I froze my credit, and they still took another loan from XXXX XXXX. I filed a police report. I filed a report with Identify Theft. I froze my credit and filed a fraud alert. I changed my bank card. I removed all my accounts associated with the email address XXXX. I don't know what else to do. Affirm says I took the loans, but I didn't.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
If you can not provide verifiable proof, including an original contract with my signature, this item must be immediately deleted from my consumer report in accordance with the Fair Credit Reporting Act ( XXXX XXXX. XXXX ). Additionally, I am fully prepared to escalate this matter. If you fail to comply within 30 days, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Pursue legal action in small claims court for {$5000.00} in damages due to : Defamation - Reporting false and harmful information. Negligent Enablement of Identity Fraud - Failure to validate the accuracy of data. Violations of the Fair Credit Reporting Act - Willful non-compliance. I expect a written response within 30 days confirming either the removal of this inaccurate information or providing verifiable proof that I authorized this account. Failure to comply will leave me no choice but to take legal action.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions handling of a dispute involving four charges of {$80.00} each ( total {$320.00} ) from XXXX XXXX. This dispute is not about whether a contract existed, but about being charged for services that were not reasonably accessible or provided. Prior to cancellation, I made multiple documented attempts to schedule services and was unable to do so due to availability issues within the merchants system, including issues with therapist availability. Despite this, I was charged for multiple billing cycles. The merchant confirmed cancellation of my membership in writing on XX/XX/year>. I provided this documentation to Navy Federal, along with my explanation of the service access issues. Navy Federal initially issued provisional credit, then reversed it after siding with the merchant, without adequately addressing the fact that services were not rendered or reasonably accessible during the disputed period. I am requesting a proper review of this matter and reimbursement of the {$320.00} charged for services that were not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
The debit original creditor is XXXX XXXX XXXX and the debt collection agency is credit collection service. Ive called XXXX when I first saw the balance and explained that I did return the equipments etc and they claimed that I didnt. I no longer have the tracking information I tried calling XXXX and they dont have it neither due to it being so long ago. This is madness! Ive also tried talking to the agency and all they cared about was me paying and I tried disputing and nothing came off it. I DO NOT have their equipment. What would I even have it for? How would they even be useful for me? Ugh help This is being reported inaccurately under the Fair Credit Reporting Act ( FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I never go to the doctors or get labs done unless I have insurance. I got labs done at XXXX and thought everything was okay until I went to get other labs done and they told me that I have a huge balance! They gave me a number to call and I called and the lady apologized and told me she will try to fix it with my insurance and they she will lift the hold on my account. Went inside and waited a whole hour and I still couldnt get my labs done. I called again and she hung up on me. Now last month I checked my credit report I see the collections. I am being billed by XXXX for a service that shouldve been processed and paid by my insurance. My financial responsibility does not match the amount XXXX is attempting to collect. This indicates a billing error, failure to properly apply insurance payment, or improper attempt to bill me beyond my contractual responsibility.

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 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I opened a retail credit account with TD Retail Credit Solutions ( TD RCS ) for XXXXXXXX XXXX XXXX in XX/XX/XXXX. TD RCS had an incorrect billing address on file for my account from the day it was opened. As a result, I never received a single billing statement for the entire life of the account. I had no knowledge that any payment was due. The first contact I received from TD RCS was a phone call on XX/XX/XXXX. During that call, the representative confirmed the billing address on file was wrong. The representative corrected the address during the call and collected my payment before we hung up. I paid the same day I was first notified. Despite this, TD RCS reported adverse payment information to all three credit bureaus. XXXX is showing a XXXX late payment for XX/XX/XXXX on my current XX/XX/XXXX credit report on XX/XX/XXXX it showed a XXXX late payment. XXXX is showing a XXXX late for the same month. These are two different delinquency levels reported to different bureaus for the same account in the same month, which is itself an inaccuracy. The account has been closed since XX/XX/XXXX they sent it over to another credit card affiliate. The XXXX payment history also shows XX/XX/XXXX and XX/XX/XXXX both marked as paid on time, immediately before the XXXX XXXX designation. A XXXX late requires two consecutive missed cycles that is arithmetically impossible given the paid-on-time marks in XXXX and XXXX. Under 15 U.S.C. 1666b, a creditor can not treat a payment as late unless a billing statement was delivered at least XXXX days before the due date. No statement was ever delivered because TD RCS maintained an incorrect address. Under 15 U.S.C. 1666, failing to deliver statements due to their own address error is a billing error, and reporting a delinquency that resulted from that error is a violation. Under FCRA 1681s-2 ( a ), TD RCS is prohibited from reporting information it knows to be inaccurate and their own representative confirmed on XX/XX/XXXX that the delinquency resulted from their billing error. I sent a formal written demand letter to TD RCS Legal/Compliance on XX/XX/XXXX via certified mail requesting deletion of the entire tradeline from all three bureaus as this account is now closed. I am filing this complaint because they told me to file a dispute and they TD RCS responded to a goodwill request by saying they " verified '' the account rather than addressing the substance of my dispute. This is negatively impacting my financial wellbeing and as a retired XXXXXXXX XXXX XXXX XXXX, I do not want this on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Debt Validation To Whom It May Concern, I am writing regarding the collection account you are reporting under account number XXXX for the alleged debt owed to XXXX XXXX XXXXXXXX in the amount of {$4500.00}. I am requesting full validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation and information : * A copy of the original signed lease or agreement bearing my signature * Proof that I am legally responsible for this debt * An itemized breakdown of the amount claimed, including all fees and charges * The dates the alleged debt was incurred * Documentation showing your authority to collect on this account * Proof that the debt amount being reported to the credit bureaus is accurate * Copies of any judgments or supporting documents related to this account, if applicable Additionally, your reporting indicates that this account is listed as a joint responsibility. Please provide documentation establishing my joint legal liability for the alleged balance. Until this debt is properly validated, I request that you cease collection efforts and ensure that any information reported to the credit bureaus is marked as disputed. This letter is not an acknowledgment or acceptance of liability for the alleged debt. I am requesting verification and validation only. Please respond in writing to the address below. Sincerely, XXXX XXXX [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I am submitting this complaint against Sequium Asset Solutions LLC for initiating an unauthorized electronic fund transfer from my bank account and causing substantial financial harm. Company Information : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Toll-Free : XXXX Business Hours : Monday through Friday, XXXXXXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/year>, Sequium XXXX XXXX XXXX XXXX {$310.00} from my bank account without my authorization. My agreement with this company permits preauthorized ACH/EFT withdrawals only on the XXXX of each month. My most recent and only authorized payment was successfully withdrawn on XX/XX/year>. No authorization was provided for any additional debit on XX/XX/year>. Accordingly, this transaction constitutes an unauthorized electronic fund transfer and appears to violate the Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) and Regulation E, which prohibit unauthorized preauthorized electronic withdrawals from a consumers account. As a direct result of this unauthorized debit, my bank account is now overdrawn by {$320.00}, subjecting me to overdraft penalties, financial hardship, and potential account closure. Sequium Asset Solutions LLC has caused material financial damage through its unauthorized conduct. I demand that the company : Immediately refund the unauthorized withdrawal of {$310.00} Reimburse all overdraft fees, penalties, and consequential financial damages resulting from this unauthorized debit Immediately cease any further ACH/EFT activity on my account absent lawful authorization Produce complete documentation demonstrating the alleged authorization for the XX/XX/year> withdrawal, if such authorization is claimed If Sequium Asset Solutions LLC can not produce valid authorization for this transaction, I request that this matter be treated as an unlawful unauthorized debit and that appropriate corrective and regulatory action be taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: OR

Complaint narrative:
I am submitting a formal complaint regarding Goodleap 's failure to issue my refund and their continued withholding of funds without justification. I was promised a refund of {$270.00}, however, since XXXX, the company has neither processed the refund nor provided a clear resolution. Despite multiple attempts to contact them via email, I have received no meaningful response-only delays and vague promises. This prolonged withholding of my funds has caused financial stress, inconvenience, and emotional distress. the company has failed to act in good faith and has not met reasonable expectations for timely refund processing or customer service. I request the following actions : 1. Immediate release of my refund in the amount of {$270.00} 2. Compensation for the delay and financial harm caused by the prolonged withholding of funds 3. Investigation into the company 's handling of refund requests and customer complaints 4. Any applicable interest or penalties due to the extended delay I am asking for a full review of this matter and appropriate corrective action. Thank you for your attention. Sincerely, XXXX XXXX XXXX my account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc.
State: NM

Complaint narrative:
On XX/XX/2026, I placed an order with XXXX for XXXX XXXX and associated service lines ( XXXX new numbers and XXXX port-ins ). Due to an error by XXXX, some of the devices were shipped to the wrong address. I immediately contacted XXXX and requested cancellation of the entire order and service. I was told multiple times that the order and account were canceled. However, I never received the devices, and the cancellation was not properly processed. Despite never receiving or using any devices or services, I continued to receive monthly bills. I contacted XXXX multiple times over several months requesting cancellation, account closure, and removal of all charges. I was repeatedly told the issue was resolved, but billing continued. The total disputed amount is {$2500.00}. Recently, I was informed that this debt had been sent to a collection agency, despite the fact that I never received the devices or services and had requested cancellation from the beginning. I dispute this debt in full and request validation of the debt, removal of all charges, cessation of collection activity, and correction of any credit reporting associated with this account. Additionally, due to the significant time spent attempting to resolve this issue, repeated unsuccessful attempts to correct the billing, and the stress and inconvenience caused, I request that XXXX consider appropriate compensation for the harm and time lost in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am disputing inaccurate and inconsistent reporting of a federal student loan account listed under Department of Education / NELN. This account is being reported differently across the three major credit bureaus, with conflicting information regarding payment status and delinquency history. Specifically : The account reflects conflicting statuses across bureaus, including paid or paying as agreed, current, and was XXXX days past due, which are not consistent with each other. The payment history shows multiple severe delinquency entries ( including XXXX, XXXX, and XXXX late payments ), but the account is also simultaneously reported as current in recent months. Monthly payment information is listed as {$0.00}, which does not accurately reflect the structure or repayment terms of a federal student loan account. The reporting across XXXX XXXX XXXX XXXX is inconsistent regarding both status and payment history, suggesting inaccurate or incomplete furnishing of information. The account reflects a balance and historical delinquency but lacks consistent, verifiable reporting of how the account transitioned between delinquent and current status. I previously reviewed my credit reports and identified that the same account is being reported with different levels of delinquency severity and different current status designations across bureaus, which is materially misleading and not fully consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
CashApp was used to sent money by my girlfriend but the account she sent it to is the account that I have no longer access to. I could not access it because the phone number and email that was used for me to log in are my work phone and email that I had for XXXX years. I don't work there anymore and they never give me a chance to get everything I need out of that phone before they disconnect it. I had explained this to CashApp representatives over the phone, chat and emails! When I couldn't answer my email for they said XXXX days, they closed the case. I explained to them that I am don't sit in front of my computer all day to be watching emails from anyone. Heck, I probably would if they would just tell me to watch for my emails but I have a life to live, which means involving getting up and doing things. I'm not that computer savvy anyways because I am XXXX XXXX XXXX. Anyhow, I just got done again talkng to those people from CashApp and for the XXXX time. No result! I and given them everything g they asked for. My address, phone number, social security. I even provided them my old phone number and email that was on my old account. And I had provided them XXXX different address that that are correct that could be used on my account. One was my old house that I sold, the other one is the one I rented for almost XXXX years and the last one is the one that I am staying now. It's ridiculous. Over {$140.00}! Then XXXX had asked to transfer the funds to my new account that they had suggested for me to open but they could not do that either!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
XX/XX/year> Amount {$890.00} Purchased a XXXX XXXX off of XXXX. Upon arrival of the package the item was missing from inside. After numerous times contacting the merchant the refused any compensation. Filed a dispute through Chime and they originally denied my claim after providing a lot of evidence what I purchased and received. Claim number # XXXX. It is important that this gets resolved. Its a lot of money for something I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved issue with my credit card account. For the past four to five months, I have been attempting to resolve this matter and have submitted the requested documentation multiple times, including an official utility bill from the XXXX XXXX XXXX XXXX XXXX The company continues to reject the document, claiming it is not a valid bill because it reflects a disconnection status. However, this is the standard format of the bill when an account is overdue and does not invalidate it as an official billing statement. Despite repeated requests, the company has failed to provide a clear or specific explanation of what requirement is not being met. Instead, I receive repetitive, generic responses that do not address my situation. As a result, my issue remains unresolved, and approximately {$1000.00} of my funds are being withheld. I am requesting a formal review of my case, a clear explanation of the documentation requirements, and prompt resolution of this matter,.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I put a claim on my Wells Fargo account for a charge from XXXX XXXX for {$290.00}. This was the third time they have charged me that month. I contacted XXXX XXXX and they are trying to fix their billing issues. I have since removed my debit card and checking account from their auto pay billing. Today i received a letter from Wells Fargo saying they cant honor my claim snd will be taking out the XXXX credit from my account. They also denied another claim from an unauthorized charge from a land parcel payment plan i canceled. I got in touch with the property management company and they acknowledged their mistake and are issuing me a refund. This makes two times that Wells Fargo denied my claim despite the evidence that shows that those charges were unauthorized. I will be calling Wells Fargo and XXXX to appeal the investigation.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
My account was restricted, I dont know why and neither did they even tell me when my account was restricted. I called them asking why, they said they have decided to end their relationship with me and will send my remaining balance in the mail through a check. Weeks and months pass by, I havent heard anything or received a single thing. I call them again and they say my account is under inspection, I asked them how long this will take and they said they dont know. It has been several months later and I havent heard a single thing back from them. I have money in that account that I need to access and they wont tell me anything. This is extremely unacceptable.

Company response to consumer: Closed with explanation