vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: FL

Complaint narrative:
Indebted USA Inc has reported a collection account to my XXXX credit report with a balance of {$1200.00}, account number XXXX, original creditor XXXX, opened XX/XX/XXXX, and last reported XX/XX/XXXX. I am disputing this account on multiple grounds. First, the payment history section for this account explicitly states no payment history available to display. A collection account with a {$1200.00} balance and zero payment history is entirely unverifiable. There is no record of any kind confirming the account terms, the date of first delinquency, or any basis for collection placement. Second, the account status field in the XXXX reporting is completely blank. A collection account with no status reported is missing required data under FCRA accuracy and completeness standards. Third, I have never received a written validation notice from Indebted USA as required by 15 U.S.C. 1692g ( a ). Placing a collection on a credit report without first providing a validation notice is a standalone FDCPA violation. I do not recognize this specific account and have never received any communication from Indebted USA prior to discovering this collection on my XXXX report. Fourth, this account does not appear on my XXXX XXXX XXXX credit reports as confirmed by a full three-bureau review. XXXX is the only bureau reporting this collection. Single bureau only reporting of an account with zero payment history and a blank status field can not be certified as accurate or complete. A direct furnisher dispute letter and debt validation demand were sent to Indebted USA on XX/XX/XXXX via certified mail. A bureau dispute letter was also sent to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
On XXXX XXXX, 2025, I used Affirm to finance a {$160.00} purchase from XXXX for an item sold as a sealed case. When the product was delivered, two of the boxes were missing the required StockX verification sticker. Under XXXX own return policy, items must have the StockX tag or sticker attached to be eligible for return. Because the required stickers were missing, I was unable to return the item at all. I filed a dispute with Affirm, but their review focused only on the condition of the outer shrink wrap and did not address the missing verification stickers, which directly impacted my ability to return the product under the merchants policy. Affirm also referenced a {$15.00} refund as part of the dispute. This is incorrect. That refund was issued separately for a delivery delay after I paid for express shipping and has no connection to the product condition or return eligibility. After the dispute was denied, I contacted Affirm again ( case # XXXX ) and requested a re-evaluation, clearly explaining that the item was non-returnable due to missing verification stickers. Affirm refused to review the case further, stating there was no active dispute and that the timeframe had passed, despite my request relating to an incomplete review of an already submitted dispute. This reflects a failure to consider a material fact and a refusal to correct an incomplete investigation. The issue is not simply about altered packaging, but about receiving a product in a condition that made it ineligible for return under the merchants own stated requirements. By refusing to re-evaluate the dispute and ignoring this critical information, Affirm failed to conduct a full and fair review of the transaction and is holding me financially responsible for a product that could not be returned due to conditions outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: WI

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 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I am filing a complaint regarding a purchase financed through XXXX for an order placed with Perfume.com. The order was delivered on XXXX/2025, but it arrived in a compromised condition. Only 1 of 6 items was received, and that item was damaged. The package appeared to have been opened and reassembled, and there was no packing slip included. I reported the issue immediately and provided photographic evidence. At the merchants request, I completed a signed affidavit and fully cooperated with their process. A damage claim was opened with UPS, and I submitted additional photos on XXXX2026. XXXX did not perform a physical inspection and later marked the claim as Investigation Complete. Despite this, the merchant refused to issue a refund and relied only on proof of delivery, which does not confirm that the contents were complete or undamaged. I disputed the charge with XXXX ; however, my dispute was incorrectly processed as goods not received instead of partial delivery and damaged goods. The dispute was closed based solely on delivery confirmation. I contacted XXXX again to correct the dispute classification and provided additional details. However, before a proper review could be completed, the remaining balance was sent to a debt collection agency. I dispute this debt as invalid. The goods were not delivered as purchased, and I should not be held responsible for missing and damaged items. I am requesting a full review of this matter, removal of the balance from collections, and correction of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: IN

Complaint narrative:
I am writing to file a formal complaint regarding the handling of my account and the subsequent credit reporting following an approved forbearance on my PennyMac loan ( Account XXXX XXXX ). I was granted a forbearance due to financial hardship, with the understanding that this program is intended to provide temporary relief and protect borrowers from adverse consequences during a period of difficulty. However, despite this approval, PennyMac reported 180 days late payments on my credit report during the forbearance period. This practice is deeply concerning and appears fundamentally unfair. A forbearance program is designed to assist borrowers not to penalize them. Reporting late payments in connection with an approved forbearance effectively defeats the purpose of the program and results in significant harm to the consumers credit profile. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 1681s-2, furnishers are required to report information with maximum possible accuracy and must not furnish information that is incomplete or misleading. Reporting a borrower as delinquent while under an approved hardship accommodation may constitute inaccurate or misleading reporting. Additionally, such actions may be considered unfair or deceptive under standards enforced by the Consumer Financial Protection Bureau, as they discourage consumers from utilizing relief programs intended to help them avoid default. As a result, I am requesting the following : - Immediate investigation into the reporting of my account. - Removal of all late payment entries associated with the forbearance period. - Correction of my account to reflect an accurate and fair payment status. - Written of why negative reporting occurred despite approved forbearance. - Assurance that similar issues will not occur in the future The current reporting has caused unnecessary and unjust damage to my creditworthiness and financial standing. I expect a timely resolution and written confirmation of corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
I was contacted by National Credit Adjusters , LLC regarding an alleged debt in the amount of {$400.00} on or about XX/XX/year>. I timely disputed the debt and requested full validation under the Fair Debt Collection Practices Act. I specifically requested documentation including a copy of the original signed agreement, a complete account history showing all charges and payments, and proof of the chain of ownership establishing National Credit Adjusters , LLC legal right to collect this debt. National Credit Adjusters , LLC responded with only limited or summary information and did not provide sufficient documentation to properly verify the debt. The response did not include adequate proof of the original agreement, full account history, or complete ownership records. Despite my dispute and request for validation, the account has continued to be reported and/or collected without proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
In XX/XX/XXXX, I applied for and was approved for a new American Express XXXX XXXX XXXX. The introductory welcome offer presented to me at the time of application was XXXX Membership Rewards points after spending {$20000.00} within the first XXXX months of card membership. I completed the required {$20000.00} in qualifying spend in XX/XX/XXXX, well within the 90-day window. The XXXX welcome bonus points never posted to my account. When I contacted American Express customer service to inquire, I was told my account was ineligible for the introductory offer. The representative could not provide a specific reason for the ineligibility determination. During that same call, the representative confirmed that I have never held a XXXX XXXX XXXX XXXX XXXX XXXX Card with American Express prior to this account which eliminates prior card membership as a basis for ineligibility, as that is the most common reason American Express cites for withholding a welcome bonus. On XX/XX/XXXX, I submitted a formal written complaint to the American Express Customer Advocacy Group requesting that the XXXX points be credited to my account. American Express has since responded reiterating that I was ineligible for the offer but has still not provided any specific reason or explanation for that determination. I accepted this offer in good faith, met every stated requirement, and have been a continuous American Express cardholder since XXXX. I am requesting that the CFPB require American Express to provide a specific written explanation for the ineligibility determination, and that American Express honor the XXXX Membership Rewards welcome bonus points as presented to me at the time of account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CA

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were processed without my consent. Kindly investigate and correct the records. Documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC
State: IL

Complaint narrative:
I am filing a complaint regarding my auto loan with XXXX XXXX XXXX. I have been making payments on this loan for approximately XXXX years on an original balance of about {$21000.00} at a 24.7 % interest rate. During the life of the loan, I took several payment extensions. At the time of these extensions, I was not made fully aware of how they would significantly increase the total cost of the loan. Now that the loan has reached maturity, I have been informed that I owe approximately {$11000.00}, largely consisting of accrued interest, late fees, and extension-related charges. This amount is extremely concerning, especially considering that the current market value of the vehicle is only about {$3500.00} and I have already made years of payments. I have made multiple attempts to contact the companys customer service to obtain a clear explanation of how this balance was calculated and to discuss settlement options. However, I have received inconsistent and unclear information. Different representatives have provided conflicting answers, and no one has been able to give me a complete or accurate breakdown of the charges. Additionally, I have been asked questions that do not seem relevant to determining a fair settlement, which has added to my confusion and concern about the transparency of the process. I am worried that I am being taken advantage of and not being given a fair opportunity to understand or resolve the account. I am requesting the following : A complete and detailed breakdown of my account, including principal, interest, late fees, and extension fees with dates and amounts. An explanation of how the remaining balance was calculated A review of the account for any improper or excessive charges. Consideration of a fair and reasonable settlement based on the vehicles value and the payments already made This situation is causing financial hardship for my household, and I am seeking a fair resolution. I appreciate your review and assistance in this matter.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
They impromperly closed my credit card but they are still reporting it as if it is open to the credit bureaus, they did not notify me when they closed it, I only was notified when I saw it hit my credit. They keep telling me I need to apply for another one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I entered into a solar panel financing loan through XXXX in connection with a solar installer ( XXXX ). The amount financed was approximately {$74000.00} at an interest rate of about 8.99 % over a long-term period. At the time of sale, I was led to believe that the system would be affordable and would provide financial benefits by offsetting my electricity costs. However, the loan payments are significantly higher than expected and are not affordable given my financial situation. I am XXXX XXXX XXXX, retired, and living on a fixed income. My ability to repay this loan does not appear to have been properly evaluated at the time of origination. In XX/XX/XXXX, I received a default notice stating that I was behind on payments ( approximately {$2800.00} past due ) and that the total loan balance of approximately {$85000.00} could be accelerated and become immediately due. The notice also indicated that my account may be reported to credit bureaus and subject to further collection activity. On or about XX/XX/XXXX, I submitted a formal written dispute and hardship request to the loan servicer and lender, requesting a review of the loan, documentation, and hardship relief. As of today, I have not received a substantive response. Despite my good faith effort to resolve the matter, I continue to face collection pressure and potential negative credit reporting. I believe this loan may involve unfair or deceptive practices, including misrepresentation of affordability and failure to assess my ability to repay. I am seeking a fair resolution, including review of the loan, suspension of collection activity while under review, and consideration for modification, reduction, or cancellation of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I was assessed a significant amount of overdraft fees by TD Bank, totaling over {$1100.00}, which created a cycle where my account remained negative despite my efforts to repay the balance. I contacted TD Bank multiple times and requested a financial hardship review and refund of the remaining fees. Although a partial refund of approximately {$490.00} was issued, TD Bank refused to review or refund the remaining fees. I also raised concerns regarding inconsistent treatment, as similar issues in the past were handled differently and resulted in credits being provided. TD Bank has not provided a clear or specific explanation for this inconsistency. TD Bank responded to my complaint by citing general overdraft policies but did not address whether the volume and repeated assessment of fees was reasonable or fair, nor did they address the financial hardship caused. Despite multiple attempts to resolve this directly, I have only received generic responses that do not fully address my concerns. I am seeking a fair and complete review of the remaining fees and the impact they have had on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am attempting to resolve a remaining balance ( ~ {$2500.00} ) following a total loss due to vehicle theft. Insurance has already paid the majority of the loan. A payment was drafted after the theft was reported and before the insurance payout was applied, which contributed to the remaining balance. I am deploying overseas shortly and have been attempting to resolve this balance prior to departure. I have : Called multiple times Used secure messaging Requested escalation Despite these efforts, I have been repeatedly routed to automated systems or referred back to the same general phone number. I have not been able to reach any department or representative authorized to review account adjustments or resolution options. I am requesting : A review of the remaining balance, including the payment timing issue, and The ability to resolve the account with a reasonable payoff amount I am prepared to make an immediate lump-sum payment if a revised balance is approved. My concern is not only the balance itself, but the inability to access a meaningful resolution channel despite repeated attempts.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX XXXX {$310.00} dollars got sent to XXXX bank XXXX I did not add this bank to my account... i have a 5 year long account activity and it shows the same bank I used. I told the company to check the IP, I live in XXXX XXXX and XXXX XXXX -- - I guarantee the IP shows a totally different location to whoever entered that other banks information. I did not put input those bank credentials and I did not give any permission to anyone to pull out my {$310.00} -- - this is complete fraud that is being mishandled by cash app.... this is there back end and security issues... not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing a {$150.00} charge with Citibank ( Case ID XXXX ) related to a merchant failing to honor a written refund agreement. The merchant explicitly stated in writing that after I returned the item, they would issue a refund to either my gift card or my credit card. I selected my credit card ( ending in XXXX ) before returning the item and relied on that agreement. I returned the item using the merchants prepaid label. XXXX confirms delivery on XXXX XXXX, 2026. After receiving the return, the merchant refused to refund my credit card and instead issued a gift card. ' Citibank denied my dispute multiple times using incorrect reasoning, including : - Misclassifying the charge as return postage - Requesting a credit slip ( which does not exist because the merchant refused to issue the refund ) - Accepting a gift card as a valid resolution despite the prior written agreement The issue is not whether I received compensation, but whether the merchant honored the agreed refund method. I provided written documentation showing : - Merchant agreement to refund my credit card - My selection of refund to card ending in XXXX - Proof of return delivery - Merchant refusal to honor the agreement I am requesting that Citibank properly review the documentation and reverse the {$150.00} charge.

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