vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: AL

Complaint narrative:
Since XX/XX/year>, the company has sent daily emailsoften multiple per dayregarding an alleged debt, creating excessive and harassing contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX my car got broken into my wallet and my car keys got taken. There were serval transactions that took place on the XXXX the XXXX and XXXX of XX/XX/year>. Cash app refunded all the small transactions they took that as a loss or stolen card the money that was taken out of the ATM they refuse to refund that and it doesn't make sense because literally. How can they refund all the small transactions and not the ATM transactions doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting a complaint regarding both a merchant transaction and the handling of my dispute by American Express. I was charged {$150.00} by XXXX XXXX XX/XX/year> for tickets that were never provided to me. The merchant sent the tickets to a third-party travel agent late at night, less than 11 hours before the scheduled XXXX XXXX entry time. I did not receive the tickets directly, did not authorize any third party to receive them on my behalf, and did not use the services. As a result, the goods/services were not received. I spent over an hour visiting multiple travel agencies attempting to locate the tickets or the merchant, without success. I ultimately had to purchase replacement tickets from another merchant the same day in order to visit the XXXX XXXX. The travel agent also attempted to contact the merchant to resolve the issue but was unsuccessful. I disputed the charge shortly thereafter, but American Express initially closed the dispute without meaningful investigation. I reopened the dispute, and in XX/XX/year>, American Express requested additional information, which I submitted within 24 hours. Despite this, the dispute was closed as though I had not responded. I did not receive notice of this closure, and the dispute did not appear in my dispute center, preventing me from tracking it. In XXXX, I discovered that I had been rebilled. Upon contacting customer service, a representative confirmed receipt of my prior submission, acknowledged the error, and reopened the case with instructions that the materials be reviewed. No further information was requested after reopening ; however, several weeks later, the dispute was again closed on the basis that I had not submitted information. I am requesting that American Express be required to reopen the dispute, review all previously submitted materials, and issue a determination based on the evidence, including the fact that the merchant did not provide the purchased services. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX I received notification that my account had been closed due to no usage since XXXX. I wrote to the company expressing my concerns. Please see attached letter. I sent a reply to them dated XXXX : Please see attached response

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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Medical loan was taken out with med credit plan plus a hospital bills. Both were set up to take payments monthly. When we spoke to the hospital they made it seemed that we were paying double. We stopped payment in XXXX end of the year. My wife had several medical issues XXXX, XXXX and this year. Our finances have taken a hit. My wife tried to work a payment plan with one of the collection companies and they harassed to make payments of no less than {$100.00}. She tried to maintain payment until she lost her job in XXXX and had to apply for unemployment benefits due to being wrongfully terminated because the company didnt want to provide accommodations. Now the original loan has been sold 3 times and two different law firms have taken it. Security service is harassing sending legal paper work and posting it on the door and refusing to negotiate fairly despite our financial challenges with health/medical needs at the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: TX

Complaint narrative:
I am submitting this complaint because the companys prior response to my CFPB complaint ( reference XXXX ) did not address the correct transaction and does not align with the documented facts. On XX/XX/year>, a payment in the amount of {$3300.00} was successfully debited from my bank account. I have documentation confirming that this payment was completed. The company later indicated that a refund had been issued and that the matter was resolved. However, my bank has confirmed that no such refund was ever received. In response to my previous complaint, the company stated that the order was not paid, that no refund was issued, and that the account had been sent to collections. These statements do not align with my bank records or the companys prior communications. Additionally, the information referenced in their response appears to be associated with separate account activity and does not correspond to the transaction that is the subject of this complaint. As a result, the response did not address the actual issue being disputed. I have made multiple attempts to obtain clarification and documentation from the company, including confirmation of payment and details regarding the stated refund. The company has not provided clear or consistent information. I am requesting that the company : 1. Review the correct transaction associated with this complaint 2. Confirm receipt and application of the {$3300.00} payment 3. Provide refund trace details for the previously stated refund 4. Correct any inaccurate account or collection-related information 5. Issue reimbursement of {$3300.00} This matter remains unresolved and requires proper review based on the correct transaction and complete and accurate account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate personal information on my credit reports with TransUnion, XXXX XXXX XXXX There are multiple addresses listed on my credit files that I do not recognize and have never been associated with. These addresses are incorrect and may be the result of identity theft or a mixed credit file. I request that this be treated as a potential fraud-related dispute. I am requesting that TransUnion, XXXX XXXX XXXX immediately investigate and correct this issue. Specifically, I am asking that all fraudulent or inaccurate addresses be permanently removed from my credit reports and that my files be updated to reflect only my correct current address listed below. My correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following addresses are inaccurate and must be removed : XXXX XXXX U XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached copies of my government-issued identification and proof of address to verify my identity and support my request. This inaccurate information is affecting the accuracy of my credit files and must be corrected as soon as possible. Please complete your investigation and provide me with confirmation and updated credit reports reflecting these corrections. Thank you.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC and Resurgent Capital Services L.P. is engaging in illegal data brokerage by buying debt and using debt parking tactics to pressure consumers like me into accepting the debt without proper notification, such as a seller-buyer agreement, proof of insurance bond or bond certificate, an itemized statement of debt, and justification, as well as the chance to dispute it. LVNV Funding , LLC is also using multiple layers of LLCs to hide revenue and illegal business practices, including XXXX XXXX XXXX XXXXXXXX, Resurgent Capital Services L.P., XXXX XXXX XXXX, and various state-registered entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Chime Financial Inc
State: NV

Complaint narrative:
They denied my fraud report that somebody use my debit chime visa cards to make unauthorized purchase of airline ticket on XXXX XXXX for {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Financial Freedom Group, LLC
State: MA

Complaint narrative:
Each month they take out {$350.00} to debt blue I started with them XX/XX/XXXX. Theyve only settled with one company and my bill keeps getting added on fees for all these services that theyve never done for me. I keep emailing them because I dont have access to the website portal and also they have not answered one email that I sent asking for a reply in fact, wondering what is going on with them not settling with other companies I am now getting collection agencies, sending letter letters because none of my bills have been paid which they told me not to make any payments or use any of those cards and they would contact these companies. Ive asked for letters to send to the companies to let them know that Im not just not paying that I am with Debt Blue and they are handling my finances this money Im sending to them. They are just taking their fees and not paying any companies or settling. Ive never missed a payment before now. Im past 90 days late on all my credit cards and my credit score has fell below XXXX in which it was at good standing with no payments before. Im unlimited income. Im a XXXX veteran was always in good. Standing with my creditors. Now everything is a mess. Im in a worse predicament than I was before I started with them. I just wanted to consolidate my finances to make it easier for me now everything is hot mess

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CIBC BANCORP USA INC.
State: TX

Complaint narrative:
I asked all statements of my account XXXX XXXX XXXX XXXX XXXX The company said it gon na email or mail me the statements. But i never received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Tesla , Inc. for deceptive advertising and breach of their own Motor Vehicle Order Agreement. On XX/XX/year>, I paid a {$250.00} order fee based on XXXX 's advertised price of {$3200.00} down for a Model XXXX. After collecting my fee, XXXX financing partners denied the advertised terms and instead issued a 'Conditional Approval requiring a down payment of {$16000.00} ( with a secondary third-party offer requiring {$27000.00} ). This is a nearly 900 % increase from the advertised price, which constitutes a 'bait and switch ' and a denial of my original credit application under the Equal Credit Opportunity Act. XXXX 's own Order AgreemenXXXX states the {$250.00} fee is refundable if financing is not approved. Despite their written admission that I only received a 'conditional approval ' and my immediate rejection of these extreme new terms, XXXX is refusing to refund my {$250.00} fee. Furthermore, they have since removed the {$16000.00} and {$27000.00} offers from my mobile app in an apparent attempt to hide the evidence of the discrepancy. I have retained screenshots of the original {$3200.00} advertisement, the 'conditional approval ' message from XXXX XXXX and the revised $ XXXX {$27000.00} requirements. I am seeking a full refund of my {$250.00} order fee. My XXXX XXXX number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Klarna AB
State: MD

Complaint narrative:
I previously filed a complaint with the Consumer Financial Protection Bureau regarding a Klarna purchase that was not as described. ( Complaint ID XXXX ) In Klarnas official response to that complaint of XX/XX/year>, they stated that my remaining balance was officially written off and reduced to {$0.00}, resolving the matter with monetary relief. However, as of today, this resolution has still not been implemented despite the fact it they already stated in the response to CFPB that it WAS written off. My Klarna account still shows an active balance and an upcoming payment. I have contacted Klarna multiple times, and their representatives confirmed that the write-off is approved internally but has not been processed. No timeline has been provided, and no action has been taken. It has now been XXXX days since Klarna issued this response, and I am at risk of being charged a third time despite their statement that my balance is {$0.00}. This is a failure to implement a resolution reported to a federal regulator. I am requesting immediate enforcement of the agreed resolution, confirmation that my balance is {$0.00}, and assurance that no further payments will be taken. I will like a refund of the payments that have already been taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am submitting a complaint regarding the closure of my XXXX XXXX credit card account issued by Comenity Bank. This account was opened in XX/XX/XXXX and has maintained a perfect payment history with 100 % on-time payments. I have never been late on a payment and have consistently paid on time, often early. On XX/XX/XXXX, this account was closed by Comenity Bank without any prior notice. I was not informed that the account was at risk of being closed due to inactivity, nor was I given any opportunity to keep the account active. Additionally, another long-standing account I held through Comenity Bank XXXX XXXX XXXX, opened in XXXX ) was also closed on the exact same day without notice. Both accounts had perfect payment histories. The closure of this account has significantly impacted my credit profile, including a reduction in my credit age and total available credit, resulting in a substantial drop in my credit score. Over the past XXXX years, my small business has experienced a slowdown, which limited my ability to use the account as frequently. However, at no point was I notified that inactivity could result in account closure. Given my long-standing history of responsible credit use, I am requesting that this account be reviewed for reinstatement with its original history and credit limit. At minimum, I am requesting a full explanation of Comenity Banks policies regarding account closure due to inactivity, including what notice, if any, was provided prior to closing this account. This situation has caused measurable harm to my credit standing, and I respectfully request that this matter be investigated and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : Bad Faith Denial of Advertised Welcome Offer Case XXXX : XXXX Company : American Express XXXX XXXX Credit Card ( The American Express XXXX XXXX XXXX XXXX. Description of Issue I am filing this formal complaint because American Express ( Amex ) has failed to honor a contractually advertised XXXX Membership Rewards point welcome offer, despite my fulfillment of all spending requirements. This is a follow-up to XXXX # XXXX, which was prematurely closed/partially resolved without delivery of the promised points. XXXX. Timeline of Deceptive Practices XX/XX/XXXX : Approved for the XXXX XXXX with a XXXX offer. Within XXXX minutes of approval, due to conflicting information from Amex departments, I requested a cancellation. Administrative Failure : Amex ignored the cancellation, shipped the card, but failed to " reinstate '' the original account properly when I sought to rectify the situation in XX/XX/XXXX. XXXX XXXX : Amex representatives explicitly instructed me to open a " new '' account rather than reinstating the first. I am later told this " second '' account is ineligible for the bonusa technicality created solely by XXXX own staff errors and internal silos. XXXX. Proof of Performance I have met and significantly exceeded the {$8000.00} minimum spend requirement : Total Spend ( XXXX Days ) : {$41000.00} USD Percentage of Requirement Met : 521 % Status : As of XX/XX/XXXX, the points remain unissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding unauthorized and disputed transactions associated with XXXX that occurred on my Navy Federal Credit Union checking account over multiple months. These transactions were not authorized by me, and I believe they are fraudulent in nature. The issue involves multiple charges spread across several months rather than a single transaction. Due to my account being closed and limitations in accessing older full statement data, I am unable to retrieve every exact transaction date at this time. However, I have provided supporting documentation including screenshots of my account activity and transaction history that is available to me, as well as records showing my repeated attempts to contact customer support regarding these issues. Despite notifying Navy Federal Credit Union and attempting to dispute these transactions, my concerns were not properly investigated or resolved. Instead, my account was ultimately placed into a negative balance of approximately {$9000.00}. I do not believe these charges were handled with a reasonable level of dispute investigation or fraud review. I also submitted evidence of my communications with support, including screenshots showing multiple attempts to report and resolve the issue. I requested assistance in identifying and reversing unauthorized transactions, but did not receive adequate resolution or clarification. I am requesting a full investigation into these MoonPay-related charges, a review of the handling of my prior disputes, and correction of my account balance resulting from these unauthorized transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account name PORTFOLIO RECOVERY ASSOCIATES Account number XXXX Account type Debt Buyer Responsibility Individual Interest type - Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$2000.00} Historical info Original creditor XXXXXXXX XXXX XXXX The amount written off was {$1400.00}

Company response to consumer: Closed with explanation