vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Imprint Payments, Inc.
State: AZ

Complaint narrative:
My complaint concerns Imprint Payments , Inc . XXXX XXXX recently transitioned its credit card payment processing from XXXX to Imprint Payments. It has been a total fiasco. In early XXXX, upon receiving my XXXX XXXX bill, I went online and scheduled my payment of {$77.00} to be taken by ACH from my bank account on the due date, XX/XX/XXXX. In the interim, the transition occurred as Imprint took over on XX/XX/XXXX. My attempts to reach Imprint to get information have been futile. According to XXXX and the XXXX, so have the attempts of hundreds if not thousands of other customers. Calls to their XXXX number go to an AI virtual rep. My problem is that they want last name, date of birth and SSN to match account information. Despite having a XXXX credit card for about 30 years, Imprint could not match my information to their records. The AI agent was in a continuous loop of wanting that same information that couldn't be matched. I was put on hold for over an hour to speak with the " live '' agent and was disconnected when a live agent finally got on the line. I just gave up after attempting to connect a few more times. My payment scheduled for XX/XX/XXXX never was processed by XXXX. I received a voicemail from someone claiming to be with Imprint Payments on XX/XX/XXXX saying to call XXXX to discuss a XXXX matter. I called that number got a " You have reached??? " ( could not understand the one word ). Then there were about 8 rings leading me to believe I was going to an " agent '' but instead got a message saying to " leave a message ''. There was no explanation as to who I was calling or what message to leave. I hung up as I was not going to have a financial discussion under those circumstances. I called XXXX again today and got a XXXX response saying the number is not good. In the meantime, I can not access my account through the XXXX website. I can not reach Imprint because their customer service is so horrible. I owe XXXX {$77.00} but have no way to make that payment or whom to pay. I charged another {$80.00} on XX/XX/XXXX ( don't recall exactly ) so that will also be owing. I want to get my balance paid and the account closed as I will not continue to do business with a company like Imprint. XXXX XXXX should be ashamed of themselves for allowing this transition to happen.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: AL

Complaint narrative:
I submitted a written dispute to Sequium Asset Solutions regarding an account that is inaccurate and/or unverifiable. Under 15 USC 1681i, I have the legal right to a full reinvestigation. The company failed to properly investigate and continues to report inaccurate information. Additionally, they are in violation of : - 1681s-2 for reporting false or unverified data, - 1681e ( b ) for failing to ensure maximum possible accuracy, - 1681c for reporting obsolete/outdated information. I demand that this account be immediately removed as it violates multiple federal laws. I request that the CFPB step in and force compliance with the FCRA. Failure to resolve this issue constitutes willful noncompliance under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/year> I spoke to Rocket Mortgage over the phone to inquire why my monthly escrow account payment was increasing from {$540.00} to {$550.00} therefore increasing my monthly mortgage payment from {$2100.00} to {$2100.00}. At the same time Rocket Mortgage is issuing an over payment, an overage check of {$2300.00} to me. The amount of money being issued should have stayed in my escrow account to offset any increases to my monthly escrow account. They refused to make any corrections and I consider them to be an unscrupulous, corrupt Mortgage service provider. It will set a precedence that allows them to increase my monthly escrow account and therefore increase my monthly mortgage payment in spite of there being sufficient funds in my escrow account. On XX/XX/year> I filed a written statement/complaint to them by certified mail. I am requesting that they return the overage check in the amount of {$2300.00} back into my escrow account and that my monthly escrow and mortgage payments remain the same amount as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
On XX/XX/year>, I initiated an ACH transfer of {$9700.00} from my XXXX account to my Robinhood account. On XX/XX/year>, Robinhood notified me that the deposit had completed. Shortly afterward, I received another notice stating that the transfer had been reversed after my XXXX account was closed. It has now been over a month, and I have contacted Robinhood multiple times requesting information regarding this transfer and the location of my funds. Robinhood has not provided me with the ACH trace number, ACH reversal/return code, confirmation of where the reversed funds were sent, or the current status/location of my {$9700.00}. I am requesting an immediate investigation and written confirmation regarding where the funds were sent after the reversal and what financial institution currently has possession of the funds. I have attached screenshots and supporting documentation related to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
NOTICE OF WILLFUL NON-COMPLIANCE PURSUANT TO 15 U.S.C. 1681s-2 ( b ) & ERRATIC PORTFOLIO REPORTING This complaint is formally lodged against Jefferson Capital Systems , LLC for systemic data integrity violations, erratic portfolio reporting, and a failure to perform a contractually valid, human-led verification of an alleged consumer file following an adjudicated identity compromise. I. INTERNAL ACCOUNT INCONSISTENCY & PURGED IDENTITY ANCHORS National consumer reporting registries ( specifically XXXX under Confirmation # XXXX ) have formally investigated and permanently expunged all fraudulent historical XXXX residential address anchors ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) from my profile. My exclusive, authenticated legal identity parameters reside solely in XXXX, IL. Jefferson Capital Systems , LLC originally placed two separate, parallel purchased accounts on my consumer file originating from the same compromised identity lifespan. Following an administrative regulatory review, one of those paired entries has been permanently REMOVED from my credit profile due to data integrity failures. Because the remaining trade line ( Account # : XXXX ) relies on the exact same un-anchored identity vectors from that expunged timeframe, continuing to publish it constitutes a severe reporting contradiction and a failure to maintain maximum possible accuracy under the law. II. PRINCIPLES OF JURISPRUDENTIAL LIABILITY & CONCRETE INJURY Immediate Actionable Injury Under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court ruled that a consumer suffers an immediate, concrete injury under the FCRA the moment a data furnisher broadcasts inaccurate or highly misleading information to third parties. Maintaining a fractured, unverified third-party collection ledger blocks my automotive financing qualification and causes real-world economic harm. Substantial Risk of Harm Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Continuing to publish this contradictory collection record artificially suppresses my revolving metrics based on identity vectors that credit bureaus have already legally adjudicated as fraudulent. III. DEMAND FOR ENFORCEMENT & REMEDY Automated XXXX electronic database loops are legally and structurally insufficient when a collection agency 's data points directly contradict its own administrative portfolio actions on the same consumer file. I demand that Jefferson Capital Systems , LLC immediately execute a manual compliance override, look past automated database matching, and instruct XXXX, XXXX, and XXXX to permanently DELETE this remaining non-compliant trade line from my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
" I am filing a formal complaint against Synchrony Bank regarding my PayPal Credit account ( Ending XXXX, Dispute Reference XXXX ) for a violation of the Fair Credit Billing Act, a severe double-billing error, and customer service negligence. I disputed a fraudulent transaction for an item totaling {$160.00} that was ordered in XX/XX/year>. The carrier misdelivered my package to the wrong residential complex in XX/XX/year>. It was left with someone else who opened the package and kept the item for nearly two months. After weeks of my complaints, the package was finally brought to my gate in XXXX XXXX in a taped-up black plastic garbage bag with no postal markings, containing the used, compromised item. A Synchrony Bank phone supervisor explicitly stated to me that he 'would not expect a customer to have to pay for a package that was opened and used for two months by someone else. ' Despite their own supervisor agreeing with my claim, Synchrony 's dispute team closed the case in the merchant 's favor. Furthermore, instead of simply restoring the original charge of {$160.00}, Synchrony duplicated the charge and placed an incorrect balance of {$330.00} onto my account. When I attempted to call Synchrony 's specialized PayPal Credit dispute line from my residence to report this double-billing error, the call was disconnected after 50 minutes. Immediately following the call, Synchrony placed a security freeze on my account. The online portal now demands I call customer service at XXXX to unlock it. However, because I am currently residing in XXXX, Synchrony 's network completely blocks incoming international calls to that specific toll-free number. Synchrony Bank has duplicated my debt, misallocated my payments, locked my account, and is actively cutting off my access to customer service by blocking international phone lines. I have attached six pages of photographic evidence showing the carrier 's misdelivery, the black garbage bag delivery, and the tampered goods. I demand that Synchrony Bank manually correct this illegal double-billing error, wipe out the fraudulent {$330.00} balance, and remove all accrued interest

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 monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a XXXX credit account through Comenity Capital Bank for XXXX financing. The account had a 24-month deferred interest promotion that expired on XX/XX/year>. I had automatic payments set up and believed the account was being paid as required. I did not receive mailed statements warning me about the promotional expiration because statements were being sent to an address where I have not lived for about two years. I did not request or authorize my account mailing address to be changed to that address. I am requesting documentation showing when the address was changed, how it was changed, and what authorization Comenity has for that change. On XX/XX/year>, I realized the promotion had expired and Comenity had charged {$1900.00} in deferred interest. I immediately called Comenity and asked for help. I spoke with a representative, multiple supervisors, and requested manager review. I offered to pay the remaining promotional balance immediately. Comenity told me there was a 3-day window for adjustment, but said they would not reverse or reduce the charge. That same day, XX/XX/year>, I paid the remaining promotional balance of {$67.00}. I am asking Comenity to review this matter and reverse the {$1900.00} deferred interest charge as a goodwill adjustment. If a full reversal is not available, I request a partial adjustment. I also request written documentation explaining why the adjustment was denied, who reviewed the request, and documentation showing my address history and statement delivery history. That same day, XX/XX/year>, I paid the remaining promotional balance of {$67.00}. I am asking Comenity to review this matter and reverse the {$1900.00} deferred interest charge as a goodwill adjustment. If a full reversal is not available, I request a partial adjustment. I also request written documentation explaining why the adjustment was denied and documentation showing my address history and statement delivery history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/year> my chime XXXX XXXX credit card was fraudulently used for 2 {$500.00} purchases at XXXX. I immediately denied the charges and called chime. I was told the charges were still pending and could not file a dispute until they settled. The charges were at XXXX XXXX est for {$500.00} and another at XXXX XXXX est for {$500.00} on XX/XX/year>. I filed the dispute on XX/XX/year> and received a denial on XX/XX/year>. I had to provide new proof for them to reopen the case. I filed a police report with my local police department and sent it to them on XX/XX/year>. I received another denial on XX/XX/year> and they closed my dispute again. I received a letter stating denial but no proof of their investigation. I was told when I called back that I needed to submit more proof to reopen the case. I asked to be escalated to the actual bank, XXXX and customer service was of no help. I will now send a copy of this complaint next to see if they reopen it to reimburse me my money. The credit card is attached to my checking account and the money is moved to the XXXX card so it is secured by my debit card attached to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/year> at XXXX XXXX .in my statement read someone had withdraw amount {$500.00}.

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 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I deposited a few checks that totaled about {$700.00} and they were all declined with no reason listed. So I called to find out what and what I could do to fix it. The number was disconnected. I verified it multiple times and tried again. I also called the international phone number given on the website. The only XXXX numbers associated with the savings account said they were XXXX and was XXXX and XXXX. Both are disconnected. I also have a credit card connected to the account with them so I called that number XXXX. The woman couldn't even read the script provided but did give me another number to try XXXX. I called it and was told they couldn't help with the savings accounts. I told that rep that I had tried multiple times and could not find a functioning number for them. I asked if he had an internal transfer or could try the line himself with me on conference. At this point I was really concerned about not being able to reach someone about my savings account. What if this was more than {$700.00} in declined deposits? What if I access my money to pay my bills? The rep insisted that they were only open during the daytime and I could call again the next day ( today ) despite the website clearly stating on multiple pages it was XXXX. I did wait and try again today and still haven't been able to reach someone. I even signed up for XXXX to XXXX them because I don't know what else to try at this point. I'm waiting hoping for a response. I understand a temporary issue with a phone line but to have no way to contact them after all that is absolutely not okay. Especially to have reps in a different department for the same company refuse to help knowing what I'd already tried. Oh I also sent a message through my account portal last night and they did respond ... telling me to call the same number that keeps coming back disconnected! And I had stated clearly in my message to them that I had tried and was not able to get through. In that message they also gave limited hours not XXXX as well, which is fine but inconsistent with their website.

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 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: FL

Complaint narrative:
I am submitting this complaint against Klarna because Klarna is now preventing me from using its services and claiming that my identity can not be verified. This is frustrating and concerning because I have used Klarna successfully multiple times in the past. Klarna previously verified my identity enough to allow me to use its services, and I have maintained satisfactory payment history. I currently have no open Klarna payment plans, no active loans, no past-due balances, and no unpaid obligations with the company. Now, despite my prior usage and clean payment history, Klarna is denying me access based on a general identity verification issue. The company has not provided a clear explanation of what changed, what information can not be verified, whether this is connected to a third-party verification provider, or how I can correct the issue. I understand that Klarna may have internal identity and risk review procedures. However, it is unreasonable for a customer with prior successful account use, satisfactory payment history, and no open balances to be blocked without a clear reason or a meaningful way to resolve the alleged verification problem. I am not asking Klarna to guarantee future credit approval. I am asking Klarna to properly investigate the issue, explain the specific reason for the identity verification failure, and provide a fair opportunity to verify my identity or correct any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am submitting this complaint against Affirm because I am now being denied access to Affirms services based on a claim that my identity can not be verified. This is concerning because I have used Affirms services multiple times in the past without issue. My identity was previously accepted and verified well enough for Affirm to approve and service prior transactions. I have maintained satisfactory payment history with Affirm, and I currently have no open payment plans, unpaid loans, past-due balances, or unresolved obligations with the company. Despite this prior successful usage and positive payment history, Affirm is now preventing me from using its services and providing a vague identity verification reason without giving me a clear explanation, a specific issue to correct, or a meaningful way to resolve the problem. I have not been given enough information to understand whether this is due to an internal system error, outdated records, inaccurate third-party verification data, a duplicate profile issue, or some other problem. I am not asking Affirm to guarantee an approval or extend credit automatically. I am asking Affirm to conduct a fair manual review of my account and identity verification status, explain the specific reason my identity supposedly can not be verified, and provide a reasonable process to correct any inaccurate or outdated information being used to deny me access. Given my prior successful use of Affirm, satisfactory repayment history, and lack of any open or delinquent obligations, the current restriction appears inconsistent and potentially based on inaccurate or incomplete information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I was offered covid relief in XXXX where we could take 12 months without payments and wrap those 12 months around to the back of the existing loan. I was looking at doing some improvements to my house and the loan officer mentioned I just had a new loan modification done in XXXX. That is not what I did. There's also weirdness with my title from XXXX. Numbers that don't show up anywhere but my loan Officer showed me. I'm very concerned. Wells Fargo just sold my loan to XXXX XXXX, also.

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