vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
I am submitting this rebuttal because RS Clark and Associates did not fully respond to the issues raised in my original CFPB complaint and validation request. My complaint specifically requested documentation necessary to verify the validity, ownership, collectability, and reporting accuracy of the alleged account. Among the items requested were the original signed agreement, proof of authority to collect, a complete accounting of the balance, the Date of First Delinquency ( DOFD ), the charge-off date, and the date the account was assigned or placed for collection. Although RS Clark and Associates provided limited account information, including the name of the original creditor, an original balance, and a last payment date, they failed to provide several critical items specifically requested. Most notably, RS Clark did not provide : The Date of First Delinquency ( DOFD ) ; The charge-off date ; The date the account was assigned, transferred, or placed for collection ; The original signed agreement or contract ; Documentary proof of their authority to collect the debt ; A complete payment history and accounting of the balance ; Supporting records establishing how the balance was calculated ; Documentation demonstrating ownership or collection authority over the account. Additionally, RS Clark states that it conducted an investigation and determined the account information to be accurate. However, the response does not explain what records were reviewed, what investigative procedures were used, whether original source documents were examined, or how the disputed information was verified. The response relies heavily on legal citations and generalized statements regarding verification but does not provide the documentary evidence requested through the CFPB complaint. Legal arguments do not substitute for documentation, nor do they satisfy a consumer 's request for records necessary to independently verify the validity and accuracy of an alleged debt. Because the requested documentation remains incomplete, significant questions remain regarding the accuracy, completeness, and verifiability of the information being reported and collected. The account therefore remains disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
Over the past 10 days I have attempted to access my account online at XXXX to request a payoff amount. When I attempt to do that I get a message that says " we are unable to display your lease right now ''. This morning ( XXXX ) I was in numerous chat sessions with no results. I chatted with their Customer Service Department and Processing Department. Each week Acima deducts a payment from my XXXX account in the amount of {$87.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I did not open this account, did not authorize anyone to open it on my behalf, and have never received any benefit from it. This account is the result of fraudulent activity and its continued reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B which requires consumer reporting agencies to block fraudulent information resulting from identity theft Section 623 which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate I have taken the following steps to address this matter : Filed an identity theft report with the FTC at IdentityTheft.gov ( Report # : XXXX ) [ Placed a fraud alert / credit freeze on my file with all three bureaus ] [ Disputed directly with all three bureaus no satisfactory resolution ] Despite these efforts, the account remains on my credit report and [ Creditor/Agency Name ] has failed to investigate and remove it. This is causing ongoing harm to my creditworthiness and financial standing. I am requesting that the CFPB : 1.Investigate this complaint against [ Creditor/Agency Name ] 2.Require them to remove this fraudulent account from all consumer reporting agencies immediately 3.Ensure my consumer rights under the FCRA are enforced I am prepared to provide supporting documentation, including my FTC Identity Theft Report, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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 COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 U.S Code 1618d - Disclosure 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 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I am filing a formal consumer complaint against Upgrade , IncXXXX and XXXX XXXX XXXX regarding a personal loan agreement generated on XX/XX/year>. Upon realizing the funds were unnecessary, I initiated a full payoff and returned 100 % of the loan principal untouched on XX/XX/year>. While Upgrade states that this payoff occurred outside of their strict 7-day cancellation window ( which ended XX/XX/XXXX ), I am disputing the fairness, transparency, and predatory nature of the {$1100.00} " Loan Origination Fee '' being withheld. First, the strict 7-day restriction for a penalty-free cancellation was completely hidden in the fine print of the full contract and was not clearly or conspicuously disclosed upfront on the main Truth in Lending Act ( TILA ) disclosure page ( File : XXXX ). Second, retaining a massive {$1100.00} administrative fee for a loan that was active for only 12 dayswhere the bank suffered zero financial loss and received 100 % of its principal back untouchedconstitutes an unconscionable and unfair financial practice. The penalty is entirely disproportionate to a 12-day timeline. Finally, when I called customer service to seek a reasonable resolution or a partial goodwill waiver, frontline representatives stone-walled me. They flatly stated that the company " does not do goodwill waivers '' and explicitly refused to escalate the call, claiming that a supervisor was " not available. '' I understand the literal calendar dates, but I am requesting that the CFPB compel Upgrade , Inc. to review this account at an executive level. Charging a consumer nearly {$1200.00} for a 12-day misunderstanding because of a hidden deadline is predatory. I am requesting a full or partial waiver and refund of the {$1100.00} origination fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
Every XXXX years capital one attempts XXXX open a checking or credit card account in my name I have never worked with them XXXX I never will work with them, but for some reason every XXXX years or so I have XXXX call them XXXX close an account that has been fraudulently created in my name Ive asked several times XXXX be deleted from their system yet accounts still keep popping up periodically that have been fraudulently opened in my name. I think a lot of this stems from the fact that they will not stop sending me paper mail which I always throw away, but I think the mail they are sending me or something XXXX do with their systems causes accounts XXXX be frequently opened fraudulently in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a formal complaint against Goldman Sachs ( Apple Card ) for failure to conduct an reasonable investigation under the Fair Credit Billing Act regarding a billing error/merchant fraud from XXXX XXXX XXXX on XXXX XXXX XXXX, totaling {$430.00}. The merchant advertised to provide the advertised services ( No TV/Cable, No phone, active bug infestation ). We checked out within an hour of arrival. The front desk manager, XXXX XXXX, offered and formally agreed to a full refund, checked us out of the system, and signed our documentation. Goldman Sachs has repeatedly closed this dispute claiming " insufficient evidence '', despite being provided with irrefutable physical proof directly from the merchant 's location : We have a XXXX XXXX registration card, featuring XXXX XXXXXXXX XXXX signature, confirming our immediate departure. We also have photograph of the tablet terminal screen system displaying my name, confirmation number ( XXXX ), and the explicit staff log stating : " Guest requests refund for bugs in room and no tv. '' Goldman Sachs dispute supervisors ( specifically a supervisor named XXXX ) have refused to look at the merchant 's own internal documentation, refused to contact the merchant location to verify the employee 's authorization, and hung up the phone when challenged their lack of investigation. They are attempting to hold me liable for a two-night stay at an uninhabitable property, where the merchant themselves formally logged that we left and were due a refund. The room was filled with flying bugs that were surrounding the mirror in the bathroom when the light was turned on. We never received said refund. I have notified Goldman Sachs I have audio evidence, with XXXX XXXX offering a refund, notating the TV issue. I told her I can not sleep without TV, and she is heard conversating as she is processing the refund. I notified Goldman Sachs that XXXX XXXX works at XXXX XXXX and she was the one who processed the refund. She is also the individual who signed the document.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: IL

Complaint narrative:
I am writing to formally dispute the alleged debt that Credit Control LLC claims I owe. I do not acknowledge responsibility for this debt and request complete validation of the account. Please provide the following documentation : A copy of the original signed agreement or contract bearing my signature that created the alleged obligation. The name and address of the original creditor. The complete account number and account history. Documentation proving that I am legally responsible for the debt. Documentation establishing Credit Control LLC 's authority to collect this debt. An itemized accounting of the amount claimed, including all fees, interest, and charges. If you are unable to provide the original obligation agreement or other competent evidence establishing that I am legally responsible for this debt, I demand that the account be deemed unverifiable and removed from all consumer reporting agencies to which it has been reported. Additionally, if your investigation reveals that any information reported is inaccurate, incomplete, misleading, or can not be verified, I request immediate deletion and correction of such information. I further request written confirmation that the account has been removed and that any negative reporting associated with this account has been corrected in accordance with applicable law. Pending the completion of your investigation, I request that all collection activity cease and that any credit reporting regarding this account be clearly marked as disputed. Please provide your response and all supporting documentation in writing. Sincerely, XXXX XXXX

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
XXXX XXXX Huntington Bank I am filing a complaint regarding Huntington Bank 's handling of my account closure XXXX the delay in returning my funds. Huntington Bank closed my account XXXX informed me that my remaining balance would be sent XXXX me by check. However, more than XXXX days have passed, XXXX I have not received my funds. This delay has caused financial hardship XXXX has prevented me from accessing money that belongs XXXX me. I have attempted XXXX contact Huntington Bank XXXX obtain information about the status of my funds, but I have not received a satisfactory explanation or resolution. I believe the bank has failed XXXX provide timely access XXXX my money XXXX has not communicated adequately regarding the delay. I respectfully request that Huntington Bank : XXXX. Immediately release XXXX deliver all funds owed XXXX me. XXXX. Provide a written explanation for the delay. XXXX. Confirm the date the check was mailed and provide any available tracking information. XXXX XXXX whether any compensation or reimbursement is appropriate for the inconvenience XXXX hardship caused by this delay. I am requesting prompt resolution of this matter. Sincerely, Account XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
I am filing a complaint against XXXX regarding the sudden deactivation of my account without explanation. My account was deactivated, XXXX customer support informed me that the reason can not be disclosed. I was not given a clear explanation or sufficient information about how XXXX appeal the decision or resolve the issue. This situation has impacted my ability XXXX access XXXX use a financial service I rely on for money transfers. I have attempted XXXX resolve the issue directly with the company, but have not received a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Applied Data Finance, LLC
State: MI

Complaint narrative:
On XX/XX/year>, I entered into an installment loan contract with Personify Financial for an original amount financed of {$1000.00}. The original APR on the contract was 148.98 %, and the current interest rate is sitting at 138.81 % with a bi-weekly payment requirement of {$65.00}. The payment structure on this loan makes it mathematically impossible to successfully pay off. Despite consistently making regular bi-weekly payments since the end of XX/XX/year>, my outstanding principal balance has only decreased by a meager {$20.00} ( from {$1000.00} down to {$970.00} ). Meanwhile, the lender has piled on {$310.00} in accrued interest and an additional {$60.00} in unpaid fees, bringing the total alleged outstanding balance to {$1300.00}. The loan has now been placed in " Active - Bad Standing. '' The lender is using aggressive, high-pressure collection tactics to demand an immediate lump-sum payment of {$350.00}, threatening that the account will otherwise charge off and severely damage my credit. I am currently experiencing severe financial hardship. Under the current structure, my bi-weekly payments are entirely swallowed up by pure interest and fees, without touching the principal. I am in no position to pay the demanded past-due amount right now, as I must prioritize my basic household living expenses and rebuild my emergency savings. Because the terms of this loan are unconscionable and predatory, I am requesting that the CFPB intervene. I ask that Personify Financial freeze all accumulating interest and fees, cease harassing collection calls, and allow me to resolve this account through a realistic settlement based strictly on the remaining original principal balance rather than the inflated interest treadmill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Good Funding, LLC
State: MI

Complaint narrative:
the good funding company has a 3rd party XXXX XXXX call me and asked me for my bank user name and password. I did not give it to them. It seems unethical for them to ask for my user and password for my bank here is their contact info XXXX XXXX XXXX XXXX XXXX I did not get a loan through them after this

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX deposited a check XXXX my account on XX/XX/year>. I havent received the money in my account. It has been XXXX days since the deposit was made. I have the trace number for the deposit. Witch is - XXXX the check amount was {$990.00} XXXX gave me that number yesterday.. I have been calling chime bank everyday since the XXXX they have told me I should have my deposit in my account by XX/XX/XXXX .. when it wasnt in the account I called with the trace id number XXXX the escalated the issue.. but it has been XXXX hours XXXX I have not received an answer XXXX where my funds are .. XXXX they are still not in my account .. i need my money I am littelry without water XXXX food because I do not have this check that I should have had XX/XX/XXXX -XXXX XXXX at the latest.. I have provided screen shots of my account XXXX transactions XXXX prove I have not received my deposit from XX/XX/year> from XXXX .. this violating the code XXXX XXXX part XXXX and treasury XXXX XXXX guidelines by withholding my direct deposit from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PENTAGON FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I was defrauded by illegal movers and I disputed charges based upon the fraud not an unauthorized transaction

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 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX XXXX, Citi started a transaction to collect payment for the cycle. I had a deposit that went effective in the first hours in the morning, however, the Citi charge must have gone through first and caught the account with low funds. Funds were effectively added after the fact, but hours later CITI processed payment again and it went through. Citi has this frivolous fee system where they exploit fractional timing in the banking system to allow them to exploit customers. I requested an exception for this situation yet they repeat I cant challenge it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of my denied XXXX fraud claim for {$1500.00} ( Claim Number XXXX ). I was the victim of an impersonation and deception scam involving a compromised account and fraudulent misrepresentations. I believed I was communicating with a legitimate contact through a trusted connection regarding equipment being sold due to an alleged urgent family situation. Based on those representations, I was instructed to send a {$1500.00} deposit through XXXX to hold the item. Immediately after the payment was sent, additional funds were demanded within minutes, which raised concern and revealed the fraudulent nature of the transaction. I later learned that the account involved had been compromised and that multiple individuals were similarly deceived. While I physically initiated the transfer, my authorization was obtained through fraudulent misrepresentation, impersonation, and deception. This was not a simple purchase dispute or a transaction where I knowingly accepted the risk of sending funds to a stranger. Rather, I was induced to send money based on false information provided by individuals engaged in fraudulent conduct. I requested reconsideration and specifically explained that this matter involved impersonation, account compromise, and deceptive practices. However, Bank of America denied my claim and stated only that the transfer was sent according to my instructions and that the funds could not be recovered. I respectfully request that Bank of America explain in detail how it evaluated the evidence of impersonation, account compromise, and fraudulent misrepresentation in reaching its decision. I also request a review of whether the banks handling of this claim is consistent with applicable consumer protection principles governing electronic fund transfers and scam-related disputes. I am seeking a fair review of the circumstances surrounding this transaction and a detailed explanation of the basis for denying reimbursement despite the documented deception involved.

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