vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
I am submitting this complaint regarding the conduct of Absolute Resolutions Investments , LLC ( ARI ) in connection with two alleged accounts that they claim to own and are actively attempting to collect. I previously disputed both accounts and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F ( 12 C.F.R. 1006.34 ). Despite these requests, ARI has failed to provide sufficient documentation to establish that the alleged debts are valid, accurate, or legally enforceable. While ARI claims ownership of the alleged accounts through bulk purchase, it has failed to provide sufficient documentation demonstrating that my specific accounts were validly assigned to it. ARI has not produced a complete chain of title identifying my individual accounts, nor has it provided account-level documentation from the original creditor establishing the existence, terms, and accuracy of the alleged obligations. The materials provided consist primarily of generalized summaries and third-party-prepared records, which do not establish enforceability or accuracy under federal law. ARI has not provided documentation bearing my signature, nor any verifiable records directly linking me to the alleged obligations beyond generic data. Despite the lack of proper validation and supporting documentation, ARI has proceeded to file two separate lawsuits against me in XXXX XXXX , Florida in an attempt to enforce these alleged debts. Filing legal actions without possessing sufficient documentation to establish ownership and enforceability raises serious concerns regarding ARIs compliance with federal consumer protection laws. Additionally, ARI has continued furnishing information regarding these accounts to consumer reporting agencies. These accounts were previously deleted from at least one credit bureau and later reinserted without proper notice, further raising concerns regarding the accuracy and legality of the reporting. ARIs conduct demonstrates a pattern of attempting to collect and enforce alleged debts without providing proper validation, while continuing collection activity and legal action despite ongoing disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I have received inconsistent billing from XXXX that I can not reconcile. One statement showed an adjusted balance of approximately {$950.00} after insurance, and a later statement shows a balance of approximately {$7700.00}. I have never been given a clear explanation for how the balance increased or why prior adjustments appear to have been reversed. From my perspective, that looks dodgy, and at a minimum it does not appear to be a reliable or properly supported billing history. Date of service was XX/XX/XXXX. At the time of service, there were multiple active insurance policies. The patient was a minor at the time of service. I disputed the account with XXXX by certified mail in XX/XX/XXXX. XXXX responded on XX/XX/XXXX and said it was unable to verify coordination of benefits prior to billing. Despite that, the account was later sent to collections. I told Credence by phone on XX/XX/XXXX that the account was disputed. I sent Credence a written dispute by certified mail on XX/XX/XXXX. I have received materially inconsistent billing, including a statement showing an adjusted balance of about {$950.00} and a later demand for about {$7700.00}. I have retained all documentation and am requesting validation, a clear explanation of the balance, and suspension of collection activity pending review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Klarna AB
State: TX

Complaint narrative:
This is an ongoing issue since XX/XX/XXXX, but I suspect it was frozen without my knowledge sooner. I am a Klarna XXXX membership subscriber ( XXXX XXXXXXXX fee ) and have a prepaid cash balance that has been frozen for over 7 days without notice or explanation. Despite paying for XXXX XXXX XXXX ' as part of my XXXX benefits, Klarna has failed to provide a case number, a reason for the freeze, or a timeline for resolution. I have attempted to engage with support multiple times, and the lack of response constitutes a failure to provide the premium services I am paying for. This is a prepaid account containing my own liquid capital. Under Regulation E ( 12 CFR 1005.11 ), I am making a formal inquiry into a 'bookkeeping or computational error ' that has rendered my funds inaccessible. Klarna has not provided the required disclosures or a path to resolve this 'false positive ' risk flag.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
XX/XX/year> I paid a XXXX Deposit and started a lease that was supposed to be XXXX on XXXX XXXX XXXX cause some one had brought it back for a truck. And they still started my Lease to XXXX .After Ive paid all these notes except interest and I got 1 repossession off me and repaired my car from hit and run driver. They came picked up the car claiming its a second repossession.and added fees that give me only a month to deal with. And they keep trying to get more fees since I Paid XXXX For my 1st repo They gon na do a 2nd repo after I been paying payment and payment arrangement and they lied and say I was not commmuncating to them for months Make more money off the car. I only missed One month recently and call to make payment arrangements cause the car was broken and my family was taking time to fix the car ordering parts. So I didnt owe but about XXXX and 4 payments of interest. I paid on this car from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute Regarding Unauthorized Charges and Non-Receipt of Product Dear CFPB, I am writing to formally dispute unauthorized charges on my Nordstrom TD Bank account for a product that I never received. Despite multiple attempts to resolve this issue through Nordstrom TD Bank 's customer service on numerous occasions, I have not received a satisfactory resolution. My requests for either a replacement or a refund have been ignored, and no action has been taken to address my concerns. As a result of this mishandling, I am now facing unauthorized charges that have adversely affected my credit score. This situation is incredibly distressing and reflects a lack of accountability from Nordstrom TD Bank. I kindly request the following assistance from the CFPB : 1. Support in obtaining a full refund for the product I never received. 2. Assistance in rectifying any negative reporting to credit bureaus related to these unauthorized charges. 3. Guidance on how to escalate this matter further if necessary. 4. Please provide proof of signature Please consider this letter as a formal dispute. I appreciate your attention to this serious issue and look forward to your prompt response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had fallen behind on my BofA credit card. I have been very sick the last year. I made a payment to catch up payments on XX/XX/XXXX. On XX/XX/XXXX I made another payment to clear all my behind payments. I had to call in to manually request the payment be submitted. While on the phone the representative was pushing me to pay an additional {$300.00} plus dollars or set up auto payments to this account. Not once did she notify me the account had been closed. I never received noticed the account had been closed. On XX/XX/XXXX I made an additional {$320.00} payment to catch up my account which was only 3 days behind at this point. I called in to BofA asking when my card would be unlocked for me to use again ( I was under the impression my card had been locked from being used, not that my account was closed ). This is the first time I heard about the closer that happened on XX/XX/XXXX. If I had known about the closer, I would have moved the amounts due to a settlement and used the funds I did use to make sure I had groceries and gas before making payments that I was lead to believe would help bring my account current for and allow me to use it again.

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 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: CA

Complaint narrative:
I am filing a complaint against CRI for furnishing inaccurate and contradictory credit information and failing to correct it after being placed on clear notice. My federal student loan account is being reported with aXX/XX/XXXXday delinquency. This reporting is inaccurate. CRI has already issued a formal written response stating that it has no record of reporting my account as 90 days past due. I am attaching this documentation. Despite this, the XXXX delinquency remains on my credit report. This is a direct and unacceptable contradiction. Either CRI is furnishing inaccurate information, or it has failed to correct information that it knows is incorrect. This is not a minor issue. This is a material reporting failure. In addition : * I spoke directly with a CRI representative who reviewed my account and confirmed that I was not late. This call was recorded. * My payment was made on XX/XX/year> * The due date was XX/XX/year> * The account is paid in full and closed * I have overXX/XX/XXXX years of perfect payment history Despite being given multiple opportunities to correct this issue, XXXX has failed to take action and has instead deflected responsibility. As a direct result of CRIs inaccurate and inconsistent reporting, my XXXX XXXX dropped from approximately XXXX to XXXX, causing significant and measurable harm. CRI is required under the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) to ensure that all furnished information is accurate and to correct any discrepancies once notified. CRI has failed to meet this obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
When I purchased furniture from XXXX XXXX XXXX, the salesperson did not clearly explain that the promotional financing balance had to be paid in full within XXXX year to avoid retroactive deferred interest charges. I was led to believe I had approximately three years to pay the balance, so I enrolled in automatic monthly payments. Based on that understanding, I believed I was complying with the financing terms. Wells Fargo, which serviced the account, also did not provide any clear warning that the promotional deadline was approaching or that large deferred interest charges would be added if the balance was not paid in full. My monthly statements showed no interest charges for many months, and automatic payments were successfully deducted each month. Because the account was on autopay and current, I had no reason to believe there was a problem. I usually monitor my primary bank accounts more closely and did not expect this Wells Fargo retail financing account to suddenly impose large charges without meaningful notice. When I reviewed the account recently, I was shocked to see a retroactive interest charge of {$1500.00} posted on XX/XX/year>, followed by continuing monthly interest charges of {$93.00} on XX/XX/year>, {$100.00} on XX/XX/year>, and {$95.00} on XX/XX/year>. My automatic payments of {$190.00} continued monthly on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. After discovering these charges, I immediately paid the remaining balance in full on XX/XX/year> with a payment of {$3700.00}, in addition to the scheduled payment. I contacted Wells Fargo multiple times asking why no clear warning email, message, or direct notice was sent before these charges were imposed, since I would have paid the balance in full immediately if properly informed. I did not receive a satisfactory explanation. I was told Wells Fargo was only the financing company, while responsibility was shifted elsewhere. I believe this promotional financing program was confusing and misleading to a reasonable consumer. I am requesting a full refund/reversal of all deferred and subsequent interest charges because I was not clearly informed of the true terms or adequately warned before these charges were imposed.

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 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NV

Complaint narrative:
My federal student loans were previously in good standing before transfer to Nelnet. After servicing transitioned, I made repeated efforts to remain current through scheduled payments and auto debit. I have approximately fifteen documented payment confirmations, auto debit enrollments, cancellations, and account-management notices from XXXX through XXXX. Based on these repeated confirmations and recurring payment activity, I reasonably believed payments were being made or properly arranged. I later discovered auto debit had been canceled or disrupted and delinquency was reported, causing a major drop in my credit score. I was not avoiding payment. Once I became aware of the issue, I immediately corrected banking information, made payment, restored auto debit, and the account is now current with no current amount due. I contacted Nelnet and requested payment history, account review, and credit reporting review, but I was told to submit written disputes. I request a full investigation into servicing history, payment handling, communication practices, and whether negative credit reporting should be corrected or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am a victim of identity theft. I have been dealing with XXXX different fraudulent utility accounts being opened in my name and social security number in XX/XX/XXXX. All were opened in the same month and shortly closed due to non-payment. Resurgent Capital Services ( XXXX ) is collecting on XX/XX/XXXX account from XXXX, TX for XXXX amount of {$540.00}. I have lived in XXXX, TX since XXXX and have never lived or worked in XXXX. I called XXXX XXXX multiple times to resolve this and to prove my identity has been used, but they were not giving me any information and would refer me to call Resurgent instead. XX/XX/XXXX - XXXX XXXX flagged my credit report and I check and see that there was a debt on collection for {$540.00}. XXXX I called LVNV Funding regarding the account. I spoke with XXXX - customer liaison manager and I told her this was fraudulent and I don't live in XXXX. I was referred to call Resurgent. XX/XX/XXXX - I called Resurgent and spoke with XXXX she told me she will send Identity theft affidavit and I need to fill out and send it back to their office. XX/XX/XXXX - the same day, I called XXXX XXXX Police Department to file a police report, but I was told that I needed to file in my home town in XXXX. XX/XX/XXXX -I filed a police report with XXXX XXXX XXXX and filed FTC report. XX/XX/XXXX XXXX reached out toXX/XX/XXXXcustomer service via website and inquired about the fraudulent account opened in my name. I received an email that they will reach out within XXXX hours. Noone has reached out to me to resolve the issue. Everytime I call they refer me to call Resurgent. XX/XX/XXXX - I sent original paper work police report and FTC report via XXXX. XX/XX/XXXX - I called Resurgent and spoke with XXXX. She told me to upload a copy of FTC & Police Report online case # XXXX. XX/XX/XXXX - I disputed the debt on Resurgent website. XX/XX/XXXX -I uploaded copies of the reports to their website portal XXXX I called to get a status and I was told that it will be XX/XX/XXXX days to make a decision XX/XX/XXXX - I received a letter that my dispute does not appear to be sufficient information therefore they deny it. XX/XX/XXXX - I called after receiving the letter and ask why it was denied. I was told that the form I uploaded online were incomplete, but the agent - XXXX did not mentioned the actual reports I sent via XXXX. I asked why I couldn't see all the documents uploaded on the portal and she said only they can see it on their end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I am filing this complaint against Barclays Bank for failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). I disputed this account directly with Barclays and also through the credit reporting agencies. Barclays responded to my disputes ; however, their responses were generic and failed to address the specific issues I raised. I requested validation of the account, including a signed agreement, a complete account-level payment history, documentation proving ownership and responsibility for the account, and evidence that a reasonable investigation was conducted. Barclays failed to provide any of the requested documentation. Instead, they continued to report the account as accurate without substantiating the information. This demonstrates that Barclays did not conduct a reasonable investigation as required by federal law. Their responses appear to be automated and do not reflect a meaningful review of my dispute. As a result of this inaccurate and unverified reporting, I have suffered harm to my credit profile, including reduced access to financing and reputational damage. I request that Barclays either provide full and verifiable documentation supporting the accuracy of this account or immediately delete the account from all credit reporting agencies. If Barclays can not provide competent evidence to support the account, they must cease reporting it.

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 2026-04-22 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
b"Last year on XX/XX/XXXX I mailed a check to theXX/XX/XXXXto pay for my taxes. The check was stolen from the mail and used to write a fraudulent check, which I noticed immediately and canceled with Chase. It was my chase checking account that I've had for decades. They refunded me the initial lost check money and said the problem was solved, so I moved on. The checking account is one I do not use other than to writeXX/XX/XXXX checks a year, so I did not pay attention until recently wondering why my checking account balance was so low. There were XX/XX/XXXX fraudulent ACH debit and checks made totallyXX/XX/XXXXloss from my accounts. I reported this all to Chase today and while I may recover XX/XX/XXXX of it from ACH debit fraud, the check fraud department said I would not recover any of the fraudulent checks cashed out XX/XX/XXXX of the loss). I have gone through layoffs, losing a child as well as having a new child in addition to being permanently disabled, this past year has been incredibly difficult to keep on top of things, let alone a checking account I rarely use. I reported all the fraud immediately to Chase, who of course NOW tell me I should close the account, and do all these fraud prevention measures, things they did not recommend when it all started and I alerted them. I have banked with them for decades and now face a catastrophic financial loss. I would like to implore Chase and/or CFPB to engage in a conversation about whether my losses are recoverable.\n\nI went through all their fraud reporting today and had to travel to a local branch to close and transfer all my accounts to a new one, then reset all my financial payments, and chase says I will have to manually allow all financial transactions over the next 30 days.\n\nI can share the entirety of the fraudulent transaction history below I reported to Chase. It totals XX/XX/XXXX) in losses\n\nXX/XX/XXXX\tCHECK # XX/XX/XXXXtFraud\tCheck\t(XX/XX/XXXXPayment WEB ID: XX/XX/XXXXtFraud\tACH debit\XX/XX/XXXX\tCHECK # XX/XX/XXXXtFraud\tCheck\tXX/XX/XXXX\tCHECK # XX/XX/XXXX\tFraud\tCheck\t(XX/XX/XXXX)\nXX/XX/XXXX\tTotal Card XX/XX/XXXX PAYMENT XX/XX/XXXX WEB ID: XX/XX/XXXX\tFraud\tACH debit\t(XX/XX/XXXXtCHECK # XX/XX/XXXXtFraud\tCheck\t(XX/XX/XXXX\tXX/XX/XXXX PAYMENT XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/year> I purchased a used vehicle at XXXX of XXXX XXXX. The car I purchased had pre existing damages and I pressured to purchase extended warranty from the dealer partnership XXXX Warranty. I was charge {$3000.00} for it. I went to the XXXX dealership to get an estimated of the car damages to repair. Paid {$940.00} for all the diagnostics. The estimated damages were {$23000.00}. When I called XXXX warranty and they told me they dont cover it. I ask them to refund my money in full but they Refused to cancel and refund my money.

Company response to consumer: Closed with explanation