vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: IL

Complaint narrative:
This is the certified letter I sent to Affirm on XX/XX/year>. They never responded. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Via Certified Mail and XXXX Affirm Inc. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Intent to File for Arbitration To Whom It May Concern : Please be advised that this letter constitutes formal notice of my intent to file a demand for arbitration against Affirm Inc. should we be unable to resolve the matter described below within ten ( 10 ) business days of the date of this correspondence. On XX/XX/year>, I placed an order through Design Within Reach for an XXXX XXXX XXXX and XXXX, which was financed through Affirm. The item shipped on XX/XX/year>, and was delivered on XX/XX/year>. Upon receipt, I discovered the chair was damaged and promptly notified Design Within Reach. The company arranged for the return of the product and confirmed it could not provide a replacement. Instead, I was issued a refund, evidenced by a credit memo provided by Design Within Reach. However, despite the merchant processing and confirming the refund, Affirm Inc. has failed to return the funds to me. I have made multiple attempts to dispute the charge directly with Affirm and also sought assistance through a complaint to the Better Business Bureau, but no resolution has been reached. At this time, I am still owed the full amount of {$10000.00}, which should have been refunded to me upon the return of the damaged item. Should Affirm Inc. fail to resolve this matter by remitting the full refund within ten ( 10 ) business days of this notice, I intend to initiate arbitration proceedings, including seeking recovery of all amounts owed, as well as any fees and costs incurred. If applicable, arbitration will be conducted in accordance with the terms of your consumer agreement and any designated forum therein. This notice is provided without prejudice to any other rights or remedies I may have, all of which are expressly reserved. I remain willing to resolve this matter informally and request that Affirm respond in good faith within the timeframe provided. I have attached all necessary evidence. Sincerely, XXXX XXXX The full documents are attached. A damaged item was sent, photos were shared with Design within reach. The arranged for a pick up and a refund. The delivery and pick up completion is shared in the documents. The refund receipt the issued is attached and yet still Affirm never issued the refund despite sharing all this with them and sending them the letter. I tried to dispute it multiple times but affirm did nothing. This complaint is directly for affirm, not DWR.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I reported unauthorized credit card transactions and disputed them as fraud. I provided a written statement from the merchant confirming that the transactions were processed in error, were not authorized by me, that no goods or services were provided, and that the merchant does not contest the dispute and supports reversal through a bank-initiated chargeback. The letter identifies the merchant and includes the exact transaction dates and amounts. 

Despite this evidence, the issuer denied the fraud dispute. I contacted the issuer multiple times requesting review and escalation. During these contacts, an agent identified as XXXX repeatedly denied the claim, refused to reopen or escalate the dispute, and advised that no further review would occur unless additional evidence was provided, despite the existing merchant confirmation. I was advised that supervisors and other agents would maintain the same position and that escalation would not be permitted. 

The issuer asserted that the fraud claim was reported as the card not lost or stolen. This is incorrect. At the time of reporting, I subsequently clarified and corrected that the card was lost. Despite this correction, the issuer failed to update the claim record and continued to rely on the inaccurate initial notation when denying the fraud dispute. 

The issuer also stated that the merchant letter was insufficient because it did not include a phone number and suggested the letter implied the merchant should issue a refund. This rationale does not address the substance of the evidence. There is no requirement that a merchant confirmation include a phone number, and the letter explicitly supports issuer-initiated reversal rather than a direct refund. 

Security Operations asserted exclusive authority over the review, refused escalation, and declined to reconsider the dispute despite the merchants written confirmation and despite the correction that the card was lost. As a result, the fraud claim was denied without a reasonable investigation, based on inaccurate claim information and procedural technicalities rather than the facts. 

I am requesting regulatory review of the issuers handling of this dispute, including reliance on incorrect claim details that I corrected, refusal to update records, refusal to escalate, and denial of the fraud claim despite material evidence. 

Note my current phone number is different that the number on file with CPFB. My number is ( XXXX ) XXXX. In addition the card this is pertaining to to is a chase freedom unlimited ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
Original contract not supplied by collector this is fraud and against financial debt collection for amount and needs to be removed from my credit report immediately. USC 1681 ( I ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
Complaint : Unauthorized Disclosure of Medical Records I am filing this complaint because my medical records were shared with a third party without my knowledge or written authorization, which is a direct violation of federal law and my privacy rights. 

Under the Health Insurance Portability and Accountability Act ( HIPAA ), covered entities are strictly prohibited from disclosing protected health information without patient authorization except in very limited circumstances. 

Specifically : 45 C.F.R. 164.502 ( a ) Prohibits the use or disclosure of protected health information except as permitted or required by HIPAA.

45 C.F.R. 164.508 ( a ) Requires valid written authorization from the patient for any disclosure not otherwise permitted.

45 C.F.R. 164.530 ( c ) Requires covered entities to safeguard medical information and prevent unauthorized disclosures. 

I never provided written consent or authorization allowing my medical records to be disclosed to a third party. The disclosure therefore constitutes an unauthorized release of protected health information ( PHI ) and a violation of my rights under the HIPAA Privacy Rule. 

This unauthorized disclosure has caused harm and violates my federally protected right to medical privacy. I am requesting immediate investigation, cessation of any further disclosures, and corrective action as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NM

Complaint narrative:
Well its in the documents i have over XXXX pages of documents Z at the end of 2024 they were approving me disputes but denying the same XXXX say I neede to verify my id even though I was already verified then they denied my disputes on there technical error they held my denvut card agnist me restricting it caused me harm while giving me loans at there bank they messed me all up and violated so many laws its in my complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
Topic : Student loan Issue : Problems with repayment / Incorrect credit reporting Company : MOHELA I am an XXXX XXXX service member and have been on continuous XXXX XXXX since XXXX. I have federal student loans serviced by MOHELA. I believed I qualified for military student loan protections, including Military Service Deferment and Servicemembers Civil Relief Act ( SCRA ) benefits. 

Beginning around XX/XX/XXXX, my loans began being reported as late each month. MOHELA did not clearly explain, apply, or process my military protections, and my account was not placed into a military deferment or other protected status. As a result, my credit has been negatively impacted despite my eligibility for military protections. 

I am currently in Critical Care Flight Paramedic School and have been since XX/XX/XXXX and have limited ability to repeatedly contact my servicer. I am requesting that MOHELA : XXXX. Apply all appropriate military protections retroactively, including XXXX XXXX XXXX and XXXX benefits ; XXXX. Stop further negative credit reporting ; XXXX. Correct any inaccurate or improper late payment reporting associated with my XXXX XXXX status ; and 4. Confirm my account is placed into an appropriate protected repayment or deferment status going forward. 

I am willing to provide proof of XXXX XXXX service upon request. I am requesting written confirmation once corrections are made.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Porsche Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I applied for financing through Porsche XXXX  XXXX for a vehicle purchase. I was told verbally that my credit score was in the XXXX and that this justified being placed into a low-tier financing structure at XXXX  % APR. After requesting the required credit score disclosure, I later learned my actual scores used were significantly higher ( XXXXXXXX XXXX XXXX XXXX XXXX ), which did not align with what I was told. 

The dealership submitted a credit application containing inaccurate and incomplete information. My second job was omitted, which materially reduced my reported income. My actual income exceeds {$130000.00} annually. I later received lender denial letters citing insufficient income and insufficient down payment/equity as reasons for denial. These denials appear to be directly connected to the inaccurate information submitted on my application. 

Additionally, I was told there were too many inquiries within the last 12 months, despite this being my only auto-related inquiry during that period. These inconsistencies further suggest that inaccurate or misleading information was used during the lender submission process. 

The dealership accepted a partial down payment, ran my credit, and only afterward requested additional funds. The transaction was later canceled, and the vehicle was never delivered. Despite this, a loan account was opened and is currently reporting on my credit report with a balance and payment amount. 

I also identified multiple inconsistencies across the documents I was asked to sign regarding whether the vehicle was classified as new or used. Some documents listed the vehicle as new, others as used, and at least one document left the new/used designation blank. These inconsistencies were never explained to me at the time of signing. The lack of consistency and clarity across key contractual documents raises serious concerns about the accuracy of the transaction, the disclosures provided to me, and the validity of the paperwork submitted to lenders. 

I requested complete copies of all documents associated with my application and transaction, including the submitted credit application, lender submissions, disclosures, and contracts. I also requested correction of inaccurate credit reporting and removal of this account. To date, the account continues to report. 

Because the transaction was canceled and the vehicle was never delivered, this account should not be reporting on my credit file at all. The inaccurate reporting is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TEXAS CAPITAL BANCSHARES, INC.
State: NY

Complaint narrative:
I received an email about unusual activity XXXX. I called customer service XXXX because this issue restricted my accounts ( checking and savings ). I was told that a member of ther fraud department will reach out to me and resolve this issue. Its been more than a week of waiting and nobody has reached out. Ive reached out through their online contact with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
After my XXXX promotional plan expired, Comenity Capital Bank XXXX XXXX interest based on the original purchase amount of {$1600.00}, not the remaining balance, despite the fact that I made substantial payments throughout the promotional period and paid down a significant portion of the balance in good faith. 

The banks own written response explicitly confirms that interest was calculated retroactively from the date of purchase on the full original amount, even though much of that balance had already been paid before the promotion expired. As a result, I was charged an excessive finance charge of {$710.00} that does not reflect the actual balance owed at the time the promotional period ended. 

I did not carry the full balance for the duration of the promotion, yet I am being treated as if no payments were made at all. Charging interest on money that was already paid is punitive in nature and creates a disproportionate financial burden on working consumers who actively make payments and attempt to manage their accounts responsibly. 

While the bank may claim that this practice is disclosed in the promotional terms, it is not meaningfully transparent or consumer-friendly. The consequences of leaving even a small remaining balance are not clearly communicated in a way that an average consumer would reasonably understand, especially given that regular payments were being made and the account was not ignored or delinquent. 

I believe this practice results in unfair and harmful outcomes, particularly for consumers who act in good faith and are attempting to pay down their balances rather than avoid payment. I am formally disputing these charges and requesting that the accrued interest be reviewed and adjusted to reflect the remaining balance at the time of promotional expiration, or that a goodwill adjustment be applied. 

I am requesting CFPB review of this matter due to concerns regarding unfair billing practices, retroactive interest assessment on paid balances, and lack of clear, meaningful disclosure to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I deposited the check on XXXX XXXX it cleared on XXXX XXXX I XXXX use the fund I used some funds of {$870.00} mid day XX/XX/year> XXXX XXXX XXXX Bank put a hold again and is trying to hold my check till XXXX XXXX I've cased many of these checks with TD Bank and was always cleared by the next day after verification with the Treasurey website or by calling.I found out the check was on hold after checking out at a store trying to purchase items for my sick child with the flu .Also on my online checking account transactions they have erased the cleared check post and a few others I have photos i took of these now missing posts by Chase Bank . Please pay close attention to dates and times in the files i uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HEARTLAND PAYMENT SYSTEMS INC
State: AR

Complaint narrative:
My wife started a business called XXXX XXXX XXXX, which was closed in XX/XX/year>. Unbeknownst to me, XXXX XXXX has continued to withdraw various amounts of funds from my bank account, amounting to thousands of dollars since that time. We attempted to get them to return the funds, which they ignored, and they even ignored the attorney general 's office. 
This amounts to unauthorized recurring fraudulent charges, for which the company chooses to ignore. 
I only uploaded two examples, as it is several pages spanning 13 years, and at this time I was only able to retrieve the last two years of bank statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I paid {$1000.00} in cash at XXXX to send a money transfer to XXXX in XXXX on the XX/XX/year> the recipient never received the funds, and more than a month has passed. I contacted XXXX multiple times ; they said there was no " error '' on their side but have not delivered the money, explained where it is, or issue a refund. they promised and update within XXXX hours, which never came. I'm requesting assistance to obtain either a refund or a confirmation of delivery. 
Transaction RF XXXX XXXXXXXX Transaction Made at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
My issue extends to XXXX companies, regarding XXXX XXXX loans ( XXXX each ). For each loan, the financing company approached me with an offer to reduce my total amount owed if I could pay them the reduced total sooner than my original expected pay off date. This was during the XXXX when defaults were rampant. For each loan, I agreed to the new total and paid both off per the new agreement. However, to this day, each of those accounts show some version of negative status, charge off, or late, depending on the XXXX XXXX pulled. Not only is that incorrect, but it is also inconsistent across the XXXX XXXX system. Both accounts were completely paid off, per the agreements, in XX/XX/year>. These XXXX accounts have cost me countless credit denials, lost business, and higher charge rates. I have filled disputes with both directly and through the XXXX XXXX  agencies but have not been satisfied with the results or the reasons given for leaving the information as is. I would like to purchase a home and this issue is the obstacle in the way. The companies are Ally Financial Auto and XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Company : Portfolio Recovery Associates , LLC Account : XXXXXXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding Portfolio Recovery Associates , LLC 's repeated violations of federal consumer protection laws and their continued furnishing of unlawfully maintained credit data.

Portfolio Recovery Associates , LLC has violated 15 U.S.C. 1692c ( a ) ( 1 ) and 1692c ( a ) ( 3 ) by repeatedly contacting me at my place of employment after I provided clear notice that : I work XXXX XXXX XXXX  My working hours are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not permitted to receive personal calls at work Despite this notice, Portfolio Recovery Associates , LLC has continued to call me daily during my working hours for several consecutive months, resulting in well over XXXX violations of federal law. 

In addition to unlawful collection activity, Portfolio Recovery Associates , LLC continues to furnish this account to XXXX XXXX XXXX XXXX even though the account is being maintained and enforced through illegal conduct. 

Under 15 U.S.C. 1681s-2 ( a ), a furnisher may not report information it knows is inaccurate or misleading. Reporting an account while simultaneously violating federal debt collection law renders the tradeline legally inaccurate and misleading.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to ensure maximum possible accuracy, which includes removing information that is not lawfully reportable.

I have formally disputed this account with XXXX XXXX XXXX XXXX and I am demanding that Portfolio Recovery Associates , LLC : Cease all unlawful communication immediately Delete the account from all consumer reporting agencies Correct all harm caused by the unlawful furnishing and collection activity I am requesting that the CFPB require Portfolio Recovery Associates , LLC to provide documented proof of : Compliance with 15 U.S.C. 1692c Lawful authority to continue furnishing this account Verification materials used to justify the reporting If Portfolio Recovery Associates , LLC can not provide competent evidence, this account must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: IN

Complaint narrative:
I went into a bankruptcy program so I wouldn't lose my home and I am a cosigner on my son 's car loan. We got XXXX money transfers through XXXX XXXX for {$4000.00} on XX/XX/2025 and XXXX for {$4900.00} on XX/XX/2025 both with same account number. We waited a week then called loan company they said give them XXXX to 14 days to process. We went on about our normal business and forgot about it until XXXX when loan company complaining about non-payment we argued they said to send proof of payments we did the company claims they only received XXXX payment and requested proof of XXXX so we sent it and they said it's paid off. But now the car got repo early this morning for non-payment.

Company response to consumer: Closed with explanation