vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST PORTFOLIO SERVICING INC
State: CO

Complaint narrative:
Caller answered phone as XXXX XXXX. Told me I needed to pay this or they were filing lawsuit today. Asked what it was for he claimed it was for XXXX XXXX XXXX This account was settled and removed from my credit almost a decade ago due to fraud. When I asked for the company name the caller grew agitated and started saying he was trying to give me a way out and if I didn't want to pay he could file everything today and I could bring everything to court. I asked his name again. And it changed to XXXX XXXX. I asked for a website so I could look at his company and he again said they could just sue me.

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 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: KS

Complaint narrative:
I was never told I would be put into collections at all with my consent. They chose to make that decision on their own. And the amount is incorrect I shouldnt have to be paying anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: NJ

Complaint narrative:
In XX/XX/XXXX, I used Affirm to finance the purchase of Corsair Vengeance LPX XXXX ( XXXX ) XXXX XXXX RAM from XXXX ( Order # XXXX, placed XX/XX/XXXX, total {$130.00} ). The merchant shipped the wrong product entirely. After some back and forth with the merchant and affirm ( the loaner ), they acknowledged the error and provided a return shipping label via email. I returned the incorrect item, and XXXX tracking number XXXX confirms delivery to the merchant in XXXX, FL XXXX on XX/XX/XXXX at XXXX PM. I stopped making payments and there is a remaining balance, affirm told me to do so until it's resolved. Despite the merchant receiving the returned item, I have not received a refund or the correct product. I have sent XXXX more emails since receiving return confirmation and XXXX now possesses both the returned merchandise and my payments. I contacted Affirm to dispute the charge and was told the dispute was denied because it was past their XXXX internal limit. I am still being billed I have received overdue balance notices from XXXX XXXX as recently as XX/XX/XXXX. This is not a standard return dispute. I never received what I contracted to purchase this is a failure of fulfillment and a breach of contract on the merchant 's part. Under the CFPB 's XX/XX/XXXX interpretive rule, Affirm as a BNPL installment lender is required to honor dispute and refund rights regardless of internal time limits. I am requesting that Affirm cancel the remaining loan balance and issue a full refund of any amounts already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: RI

Complaint narrative:
Navy Federal has posted several transactions identified only as transfer to savings transfer to shares transfer to first name last name without any additional detail ( recipient name, specific account numbers, specific Transaction Identification Numbers, transaction references, merchant, or source ). When I requested documentation or proof showing where these funds were transferred and why, I was provided no evidence beyond the simplest label on the statement. This prevents me from verifying the validity of the transfers, disputing unauthorized activity, and maintaining accurate personal records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I opened a small business credit card with Bank of America with a credit limit of {$3500.00}. There was a promotion that if I spent {$4000.00} I could earn airline points. I spent the money, paid it off, and paid more than necessary. The bank said they owe me a refund. However, I forgot that I had made the payment, and I requested another credit card payment, but I didn't have enough money in my checking account to pay this off. However, I did not owe the credit card company or the bank any money, I had a credit on my account. They are supposed to be sending me a check. They closed my credit card because of that transfer which didn't go through. However, I do not owe the bank any money and I am in good standing. I paid everything off on time. They also said I would not get my promotion because of this situation.

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 non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by my debit card issuer. Fidelity Debit Card, XXXX XXXX and BNY Mellon Issue : Failure to properly investigate a dispute and failure to acknowledge or process submitted documentation. Background : I disputed a {$380.00} charge from XXXX XXXX dated XX/XX/year>. This charge was for an apartment application/lease-related fee. The apartment unit was materially misrepresented. Upon move-in, it became immediately clear that the building construction was so poor that normal living conditions were not possible due to extreme noise transmission between units. This condition was not disclosed prior to signing. We vacated the unit within hours of move-in. The apartment management acknowledged the issue and agreed to terminate the lease with no penalty. Despite this, my credit card issuer reversed the provisional credit, relying on the merchants claim of a no refund policy. Why this is improper : A no-refund policy does not apply where there is material misrepresentation or failure to provide the agreed-upon service. The product delivered did not match what was represented. Additionally, I submitted follow-up documentation explaining these facts and requested reconsideration. I have not received acknowledgment of receipt, nor confirmation that my documentation has been reviewed or added to the case file. Concerns : * Failure to conduct a reasonable investigation based on all relevant information * Reliance solely on merchant-provided documentation without addressing misrepresentation * Failure to acknowledge or process additional submitted evidence * Lack of communication regarding the status of my dispute Requested Resolution : * Confirmation that all submitted documentation has been received and included in the dispute file * A full reconsideration of the dispute based on material misrepresentation and merchant cancellation of the lease * A written explanation of how the investigation complies with applicable billing dispute requirements I am requesting that the issuer be required to properly review the evidence and respond. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently opened a checking account with this company Citibank I was working well I received my payroll checks without problems, XXXX day I tried to make a transfer and there the ordeal began they blocked all credit card products debit up to my access to online banking, I have called repeatedly and they say that I must wait to receive a letter that has not yet arrived that they can not do anything about 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 non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is fraud. I never had a contract with this debt collector. Bank of America sold my debt to a collection company without my consent. I told the company to spot contacting me back in XXXX of XX/XX/XXXX via call. I continue to received emails until XX/XX/XXXX and still receive calls.

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 2026-04-22 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: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
I never opened a Chime account my information was used without my knowledge and or permission. I have already completed an ID theft report, police report and also an Account takeover report which Chime Claims Supervisor told me to do to reopen my claim, which I did but it still got denied. This is affecting my health and credit as its impacting my ability to later down the road to apply for a loan/ credit card. Various transactions were made with my information and bank info which was used when my phone was lost/stolen back in XX/XX/year> which I was not able to retrieve, all my personal information was on the phone to include, mt driver license, ssn, and my credit cards and debit cards which were stored in my wallet app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: HI

Complaint narrative:
I am filing a complaint regarding a missing refund of {$2200.00} that was issued to my Affirm account and has not been applied to any loan or returned to me. On XX/XX/year>, I returned items to XXXX ( XXXX # XXXX ), and a refund totaling {$2200.00} was processed back to my Affirm virtual card ( XXXX XXXX version ). I have attached the receipt confirming this refund. Shortly after, I received an email from Affirm stating that they had received the refund and asking me to select a loan to apply the refund to. The email stated that if no selection was made within XXXX hours, the refund would automatically be applied to a plan or sent to me as a check. When I attempted to follow the link in the email, the page where I was supposed to select a plan was blank and did not allow me to choose anything. I attempted this on multiple devices and browsers with the same result. I contacted Affirm support and was told not to worry, and that the refund would automatically apply after XXXX hours. However, after waiting more than a week, the refund was not applied to any loan and was not sent to me. Since then, I have contacted Affirm support at least XXXX times, and each time I have received inconsistent responses. Representatives initially can not locate the refund or the email, and then state that the issue must be escalated. No resolution has been provided. A supervisor provided me with case number XXXX, but even at the supervisory level, Affirm has been unable to locate or account for this refund, despite having previously confirmed receipt of the funds. At this point, Affirm has acknowledged receiving the refund but has failed to : Apply it to any loan Return it to me Provide any explanation of where the funds are This leaves me financially responsible for a balance despite Affirm having possession of the refunded funds. Attachments : XXXX refund receipt ( {$2200.00} ) Affirm email confirming receipt of refund Screenshot showing inability to select a plan ( blank page ) Proof of original purchase and return

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I am submitting a complaint regarding a {$680.00} collection account reported on my XXXX credit report by Caine & Weiner Company Inc, originally associated with XXXX. I contacted XXXX regarding this account, and I was informed that my insurance policy had been cancelled. Despite this, a remaining balance was later reported and placed into collections. I am disputing this balance as inaccurate. I believe the amount being reported does not properly reflect my account after cancellation. I requested review of the account and supporting documentation for the reported balance. The account continues to be reported on my credit file and is negatively affecting my credit. I am requesting a full investigation into the accuracy of this balance and correction or removal if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/2026, I applied for a business credit card with JPMorgan Chase. As part of the application, a hard inquiry was placed on my personal credit report. During the application, I selected that I was applying as an LLC, but I used my Social Security Number because my business is not registered with a separate XXXX. I later learned this may have caused confusion in how my application was processed. After submitting the application, I received XXXX separate requests via email from Chase asking me to correct and re-submit documentation, specifically to confirm the appropriate tax identification number ( XXXX or XXXX ). I completed and submitted the requested documents both times. After submitting the corrected information, I received no updates, decision, or communication regarding the status of my application. Then, on XX/XX/2026, approximately XXXX month later, Chase placed a XXXX hard inquiry on my credit report without notifying me in advance and without resolving or updating my application. When I contacted Chase, I was informed that : I had agreed ( in the original application terms ) to allow multiple credit inquiries every XXXX days while the application is pending There is nothing that can be done regarding the additional inquiry I was advised to submit a new application, despite the unresolved status of the current XXXX This experience is frustrating because : I complied with all document requests in a timely manner My application was never clearly approved, denied, or closed XXXX XXXX hard inquiry was made without meaningful progress or communication I was encouraged to apply again, which could result in additional unnecessary inquiries Additionally, I experienced a similar issue approximately XXXX years ago when applying for the Chase Freedom XXXX XXXX XXXX, where unexpected documentation requirements led to the application being denied or dropped after submission. Overall, this reflects a pattern of : Lack of transparency in the application process Poor communication during underwriting review Repeated credit inquiries without clear resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
This was just discharged through bankruptcy and Goodleap is showing as an open debt again. contacted Goodleap the XXXX time and provided bankruptcy discharge paperwork. They removed the open debt and now Goodleap has put it back on my credit again as an open debt violating the bankruptcy discharge order a XXXX time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Reliant Capital Solutions, LLC
State: PA

Complaint narrative:
I have received incessant calls from Reliant Capital Solutions under various phone numbers despite the fact that I have paid nearly a third of my debt off. I have paid off this balance to the best of my abilities and plan to continue paying it. I can not currently afford the suggested payment plans, so I pay as I can. I have unsubscribed from telephone contact on their website but continue to receive calls almost every day and during my work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing in response to your communication dated [ date of collectors letter/call ], in which you claim that I owe a debt. This is a request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I request that you provide the following information : Verification of the debt The amount of the alleged debt. The name of the original creditor. A detailed statement of how the amount was calculated. Copies of any documents bearing my signature that show I agreed to assume this debt. Proof of your authority to collect Documentation that you are authorized to collect this debt in my state. Documentation proving you have been assigned or have purchased the debt. Account documentation A complete payment history, including original account statements. The date of the last payment made on the account. Until you provide all of the requested validation, you must cease all collection activity, including phone calls, letters, and reporting or verifying this debt with any credit reporting agency, as required by the FDCPA ( 15 U.S.C. 1692g ( b ) ). Additionally, please do not contact me by telephone. All communications regarding this matter must be in writing and mailed to the address listed above. If you are unable to validate the debt, you must : Cease all collection efforts, and Remove any information you may have reported to credit reporting agencies. I expect your response within the 30-day validation period as provided by law. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, I wanted to go to a concert, so I activated the Citibank card to " pre-order ''. I received the card in the mail and it sat on my desk. I received an email with a balance and panicked... called them to say that I activated it to see who used my card and there is nothing on it... fraud! She said that that is the fee to use the card. I said, " what?! '' cancel it. I have never used it and never will. She told me that she cancelled it and removed all the fees. Months later I start getting collection notices in the mail. If you look at my history, I pay the whole bill every month and have very high balances. This is a criminal operation to charge a person, unknowingly {$600.00} and tell them it is service, when they told you it was cancelled. When I called their billing dept. They won't close the card and they are charging me late fees and penalties. I was told in XXXX this was cancelled and all fees removed. They lied.

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