vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: CA

Complaint narrative:
Klarna Order Reference # XXXX Date of Klarna loan : XX/XX/XXXX ( XXXX XXXX ) $ XXXX interest + {$21.00} fee Paid {$340.00} XX/XX/XXXX directly on Klarna app with debit card ending XXXX As of today XX/XX/XXXX Klarna has refused to remove the collection/debt from my credit. I have photo evidence from the klarna app showing the payment, bank statement showing the payment, and a klarna representative agreeing it is paid off yet it is still on my credit and after disputing with XXXX the official result was the following : KLARNA INC- The company reported that the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Halsted Financial Services in connection with XXXX XXXX XXXX have emailed me multiple times after XXXX. They have been sending me numerous emails ( typically back-to-back ) threatening pre-legal action in an effort to intimidate me into making payment arrangements. Halsted Financial Services is a debt collector, collecting for a debt collector on a debt that has not been validated. This debt remains unvalidated until proof of my signature for any alleged contract between myself and the two listed companies, full accounting of the alleged debt including their rights to collect and proof that the alleged debt was not part of a " bulk debt purchase '' on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX XXXX in connection with LVNV Funding LLC have emailed me multiple times after XXXX. They have been sending me numerous emails ( typically back-to-back ) threatening pre-legal action in an effort to intimidate me into making payment arrangements. XXXX XXXX XXXX is a debt collector, collecting for a debt collector on a debt that has not been validated. This debt remains unvalidated until proof of my signature for any alleged contract between myself and the two listed companies, full accounting of the alleged debt including their rights to collect and proof that the alleged debt was not part of a " bulk debt purchase '' on their behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CT

Complaint narrative:
A collection account for approximately {$250.00} is being reported by Caine & Weiner Company , Inc. on my credit reports. I dispute responsibility for this debt. The underlying veterinary records identify another individual, XXXX XXXX, as the client associated with the veterinary services for a dog named XXXX. The appointment confirmation and invoice both identify XXXX XXXX as the client. XXXX is not my dog, and I have never owned XXXX. I contacted Caine & Weiner directly regarding this matter and requested validation of the debt and documentation establishing why I am personally responsible for the account. I was instructed to submit a dispute and supporting documentation. To date, I have not been provided documentation establishing that I am legally responsible for this debt. I have also disputed the account with the credit reporting agencies and provided supporting documentation. I am requesting validation of the debt and documentation establishing why I am being reported as responsible for this account. If the account can not be properly verified as my responsibility, I request removal of the collection account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Urgent : Total Loss Processing Delay and Improper Interest Charges Account Number : XXXX XXXX Claim Number : XXXX I am writing to formally escalate an issue regarding my auto loan account listed above. I was involved in a car accident on XX/XX/year>, and my vehicle was subsequently declared a total loss by my insurance provider, XXXX, on XX/XX/year>. Since that time, I have made multiple attempts to contact XXXX Total Loss Department at XXXX to ensure proper handling of the claim. Additionally, my wife contacted Ally and provided the necessary information for the XXXX claim ( Claim # XXXX with XXXX ). During that interaction, she was informed that the claim would be handled separately, but requested that all provided information be documented in the account notes for processing. Despite these efforts : The vehicle has not been properly processed as a total loss Ally has only applied the insurance payment from XXXX Interest continues to accrue unnecessarily I am being billed for a payment that should not be due The account remains open when it should be resolved and closed This delay is causing financial harm and negatively affecting my account status. Requested Resolution :

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 2026-06-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Goal Structured Solutions, LLC
State: WA

Complaint narrative:
I have a Payment Agreement resulting from a class action settlement XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). XXXX XXXX XXXX XXXX XXXX of the Agreement states I am eligible for deferment if I earn less than XXXX XXXXXXXX, " including if you are unemployed. '' Section XXXX states the servicer " agrees to grant '' deferment upon receiving reasonable documentation. I have been unemployed since XX/XX/XXXX, earning $ XXXX. I have provided documentation of my unemployment repeatedly. Despite this contractual right, the servicer refuses to grant deferment. Instead, they require me to sign their own " Postponement Request Forms '' that contain contradictory terms stating my repayment term will be " reduced '' by postponement months, which directly conflicts with the Agreement ( Section XXXX, which extends the term ). They also limit deferments to XXXX increments, forcing me to reapply every XXXX days, even though the Agreement has no such limit. On XX/XX/XXXX, the servicer sent a delinquency letter demanding {$460.00} and threatening negative credit reporting for non-payment, despite my clear contractual right to {$0.00} payments. They have never acknowledged my deferment rights under Section XXXX of the XXXX. Key dates : XX/XX/XXXX : Unemployment began ( {$0.00} income ) XX/XX/XXXX : Delinquency letter received XX/XX/XXXX : " Postponement '' approval received ( not deferment ) XX/XX/XXXX : Formal deferment request submitted citing Section XXXX ( XXXX ) Ongoing : Servicer requires XXXX reapplication cycle instead of honoring continuous deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against credit control LLC for willful for violating of the FDCPA this account is originates from credit XXXX XXXX ( XXXX XXXX XXXX ) and is actively under an open cfpb investigation against resurgent XXXX XXXX XXXX under case number XXXX. On XXXX the XXXX XXXX XXXX submitted a response to cfpb explicitly admitting that they placed this dispute account with credit control LLC while simultaneously stating they " decline to provide '' a copy of the purchase and sale agreement contracts. Furthermore, the collectors have only provided a historical credit card statement providing a balance of {$420.00}, I formally sent a dispute invalidation letter to credit control , LLC via certified mail on XX/XX/2026. It is a violation of federal law to flip an unverified actively dispute balance to a new third party at agencies to evade validation requirements. I demand that credit control , LLC immediately seize and disease all collection activities, close this file, and ensure that XXXX XXXX XXXX COMPLETELY DELETE THIS unverified collection trade line from my XXXX, XXXX, and XXXX credit files

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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I was enrolled in a program with XXXX XXXX XXXX. I had XXXX debts with them. One was with XXXX and XXXX was with PayPal after about XXXX months into the program. I reached out and asked them for a complete payoff of both debts the absolute total amount that I could owe. I submitted the amount in hopes that both would be taken care of. They paid the XXXX off. And then after about a week they sent me back the remaining funds. I assumed that they didnt need the funds because the PayPal was not settled yet, but when I called them back about a week later, they said that they closed my account. I asked why, and they said that they were unsure and that I mustve submitted that I wanted to be closed. I stated that all calls have been recorded and that Could you please go back and see if I actually asked for them to be closed and they said that it was not and I never submitted to be closed so they dropped me from the program. Before I was dropped they had stated that if I received any information of where my debt would be collected from to give it to them I never received anything. I actually contacted PayPal to find that out, and they said they could not give me information because I was represented by an attorney through XXXX XXXX XXXX so after the program dropped me, I made a bunch of phone calls and finally got someone in PayPal to tell me that my debt was sent to XXXX XXXX and gave me a number. I contacted XXXX XXXX and they said that they sent it to blitts and gains. So then I started a unanimous amount of phone calls to XXXX XXXX XXXXXXXX to get the debt paid because all I want to do is pay what I owe. Every time I call theres no answer and every time they call me back It hangs up automatically. So I wrote a certified letter stating that I just wanted to know what payoff was and how to pay. They signed for it and never replied. Never got back to me. That was about XXXX weeks ago from today. I reached back out to XXXX XXXX and I have a recording of the phone call and ask them if they could tell me once again, who had my account and they told me XXXXXXXX XXXX XXXX and gave me the number that Ive been trying to reach. I asked them if I could just go ahead and settle up what I owe with them and they said no. So now Im in a rock and a hard place of who do I call? How do I get this settled? What is my next step?

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 2026-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I have had an account with national debt relief for XXXX years when my program was suppose to be done the end of XXXX XXXX with my account saying XXXX of XXXX XXXX with another account still not resolved. I have called with grievances multiple times and given multiple different answers. I was told if I have the extra and would like to do lump some pay offs to call in and it can be done to speed up the program when I have tried to do it and was told thats not a thing. I withdrew for personal reasons and tried to re enroll and was given the run around on the phone. I emailed the CEO to try and get reenrolled and was told Id have to start over and it would be XXXX months when I told them I wanted XXXX to finish. They told me it would be XXXX a month when I told them I wasnt committing that much and Id do lump some as we go because I had XXXX go missing when I withdrew I was told thats not going to work. This needs to be resolved for my debt to be finished by XXXX XXXX XXXX only people Im willing to talk to at this point is executive office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XXXX XXXX my vehicle was illegally towed from a legal parking spot. When I went to retrieve my vehicle XXXX hours later, the towing company refused to release it and held it hostage. They charged me an extortionate and illegal fee of {$1200.00}, which completely violates local maximum towing fee regulations. Furthermore, the company employees verbally harassed and threatened me regarding my immigration status to force me into paying. I did not authorize, contract, or receive any legitimate service from this business ; this was a forced payment under duress and extortion. I promptly filed a billing dispute with American Express, providing clear evidence of the illegal towing, lack of service, and the extortionate nature of the charge. Despite my documentation, American Express repeatedly denied my dispute and failed to protect me under the Fair Credit Billing Act ( FCBA ). Amex is failing to properly investigate a clear case of merchant fraud and predatory practices, forcing me to pay for an illegal, unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XXXX XXXX and XXXX XXXX apy for navy federal credit card and my name and got it sent address and XXXX XXXX its been on my credit for years they delete it then put it back this is fraud please removed this off my credit my score drop cause of win the fraud this is terrible

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: CT

Complaint narrative:
They keep calling me after I asked them stop they sold the debt to XXXX different companies threatened to sue me

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 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I inquired about porting a number to XXXX in XXXX but decided not to do so and to stick with my current service after getting the information about what my bill would be with this provider. months later I get a bill for a service I never used. I was never sent any equipment, nor did I port my number. I still have the same number with the same provider I decided to stay with. I have disputed this debt and asked for proof that the service was used and have not received any proof, yet the dispute keeps getting closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Io, Inc.
State: VA

Complaint narrative:
I contact XXXX XXXX for a comercial auto cover y pay the fee of XXXXXXXX XXXX wen they send me the policy that was not a correct policy, I ask for cancellation the next day end they did not cancel the policy they took XXXX $ I did not use there policy not even for 1 day I was never refund, I do not have any contract whit Receivables Management, end on this exact situation On my behalf of my security this company has violated this laws, ( 15 usc 16666 ) 15 us 6802/15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802 /15 usc 6801 ) Inquries ( 15 usc 16816 ) i have not had ownership of this account Account Number XXXX, did not agree for this debt collector company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted, Respectfully XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I am submitting this complaint regarding the continued reporting and verification of a disputed collection account by Rent Recovery Solution, LLC. I disputed this account with the credit bureaus multiple times. XXXX and XXXX removed the account after investigation, but XXXX continues reporting the account based on Rent Recovery Solutions verification. On XX/XX/year>, a default judgment was entered against Rent Recovery Solution, LLC in XXXX XXXX XXXX XXXX, Case No. XXXX. The court entered judgment in my favor after the defendant failed to appear or respond following service of process. Despite this litigation history and ongoing disputes, XXXX XXXX XXXX continues certifying the account to XXXX as accurate. I am requesting that Rent Recovery Solution : XXXX. Cease inaccurate or unsupported verification of the account ; XXXX. Conduct a full review of the reporting history and dispute history ; XXXX. Request deletion of the account from Experian if the account can not be fully verified with complete accuracy ; XXXX. Comply with all obligations regarding disputed credit reporting. I am also requesting review of the companys handling of disputes and furnishing practices in connection with this account.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/year>, I attempted to update my legal name on my financial account following a recent legal name change. I received a newly issued, official state REAL ID. When attempting to upload the new ID through the companys automated verification system, the software repeatedly malfunctioned, falsely claiming the barcode on the back of the physical card was not legitimate. The system hard-rejected the upload XXXX separate times instead of routing it to a human for manual review. I contacted phone support for assistance. The first representative initiated XXXX separate upload attempts, all of which failed due to the same software error, and then instructed me to call back. I called back as instructed, but during that attempt, the second representative hung up on me. I called a XXXX time, and the representative told me to go back to the DMV to get a completely new ID, which is an impossible resolution for a brand-new, legally issued federal document. Furthermore, attempting to email the companys support team results in an automated " do not reply '' bounce-back message, completely blocking me from submitting my court-ordered name change documents and ID photos for manual verification. The company is failing to provide a pathway for human review of valid, legal government documentation, effectively preventing me from updating my account identity. I am requesting that a supervisor or compliance specialist manually review my official identity documents and override the malfunctioning automated scanner to update my legal name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Subject : Unlawful Withholding of Paid-Off Auto Loan Refund and Regulatory Non-Disclosure - Ally Bank I am filing a complaint regarding Ally Bank 's failure to return surplus funds from a fully paid-off automotive loan. On XX/XX/year>, I contacted Ally Bank regarding a missing refund check owed to me in the amount of {$2600.00} ( check number XXXX, reference XXXX ). I was explicitly assured by an Ally representative that a replacement refund check would be reissued and delivered within XXXX to XXXX business days. I specifically asked if the funds were flagged for escheatment and was told unequivocally that they were not. This was stated on a recorded line and the case number that the representative provided was case # XXXX. XXXX weeks later, having received no check and no communication, I contacted Ally Bank again on XX/XX/year> and spoke with a representative named XXXX or XXXX ( it was hard to tell ). During this call, front-line staff initially could not locate the check and I was told that the research team could not locate the funds and it would take XXXX weeks for a response, and I requested to speak with a supervisor. Upon escalating to a supervisor, XXXX, I discovered that the previous representative on XX/XX/XXXX had internally routed my auto loan refund to Ally 's escheatment team without my knowledge, consent, or any subsequent disclosure. Furthermore, XXXX explicitly stated that Ally Bank " does not send out any written or verbal communications to customers regarding escheatment issues '' and refused to provide an email address or digital channel for tracking, directing me instead to a physical PO Box . This was all recorded on the same case number as the XX/XX/XXXX call ( case # XXXX ). Ally Bank is actively withholding thousands of dollars of my personal property resulting from the overpayment/payoff of my vehicle loan. They are providing conflicting information and claiming an internal policy that intentionally evades written accountability, consumer disclosure, and the prompt return of auto loan surpluses.

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