vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
IMy name is XXXX XXXX, I never ever owned a home in my entire XXXX XXXX of living. But this company has put a hard inquiry on my credit score and its effecting my credit score. I am writing this to formally disputing all inaccurate and unauthorized inquiries currently appearing on my credit report. These inquiries are false and very unverified allegations that do not accurately reflect my credit history. I am requesting that all disputed inquiries be immediately investigated and removed from my credit file in accordance with the Fair Credit Reporting Act ( CFCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: AP

Complaint narrative:
I am filing a complaint regarding a collection account that is currently being reported and/or pursued by a collection agency. I have made multiple good-faith attempts to contact the agency by phone and in writing to resolve or validate this account. Despite these efforts, I have received no response. An FTC Identity Theft Report has been filed in connection with this account. I have also disputed this matter with the credit reporting agencies. However, the collection agency has failed to provide any validation of the alleged debt or respond to my attempts to resolve the issue. Due to the lack of response and failure to validate, this account continues to be reported without proper verification. Additionally, I would like to formally document that this situation has caused material harm. I am a U.S. government civilian employee working overseas and subject to ongoing security clearance review. Because this matter remains unresolved and the agency has failed to respond, this issue has been elevated within my chain of command and has negatively impacted my professional standing and reputation. Timely communication from the collection agency could have allowed this matter to be addressed and mitigated. Instead, their lack of response has prolonged the issue and contributed to unnecessary risk to my clearance status. This situation is avoidable and directly tied to the agencys failure to engage despite multiple documented attempts. I am requesting the following : Validation of the debt, including documentation of the original obligation and full account history Confirmation of the agencys authority to collect Correction or removal of any inaccurate or unverified reporting Direct communication to resolve this matter Written documentation of the account status If this matter is not addressed promptly, I will include the documented lack of response and resulting professional harm in all ongoing and future regulatory actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: NY

Complaint narrative:
I purchased merchandise from XXXX XXXX XXXX using Affirms Shop Pay Installments ( Order # XXXX, Purchase ID : XXXX ) on XX/XX/XXXX, for a total of {$240.00}, but I never received the package. The merchant claims it was delivered, but it was allegedly left in a shared mailroom, and I never received it. I first contacted Affirm to dispute this charge on XX/XX/XXXX, and followed up on XX/XX/XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX, XXXX, XXXX, XXXX. I requested proof of delivery, investigation details, and confirmation that I am not financially responsible for merchandise I never received. Affirm responded only by stating my case was escalated to their XXXX Team but never provided sufficient information, proof, or resolution. I also attempted to pursue a XXXX claim, but was informed that only the merchant can initiate such a claim. Despite my repeated, good-faith attempts to resolve this, Affirm continues to hold me financially responsible for a purchase I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this as an additional complaint regarding my ongoing issue with Robinhood and the handling of unauthorized transactions on my account. After reporting suspicious activity, I promptly took action and provided Robinhood with extensive documentation, including detailed records with timestamps that clearly demonstrate when the unauthorized transactions occurred. This evidence also shows that I responded quickly and accurately once the activity was identified. Additionally, the documentation reflects a multitude of transactions that are not consistent with my normal account behavior or transaction history, further supporting that the activity was unauthorized. Despite submitting substantial evidence and cooperating fully throughout the investigation process, Robinhood has informed me via email that their review is complete and that all necessary corrections have been made. However, this is not accurate. As of today, approximately {$5000.00} of my funds has still not been refunded. I have made multiple attempts to appeal their decision and have had several communications with their team, during which I was reassured that the outcome would be handled in a way that I would feel satisfied with. Unfortunately, the final resolution does not reflect those assurances and has left me with a significant financial loss. This situation has created a serious financial burden, as these funds were essential to my financial stability. I am requesting that the CFPB review this matter as an escalation of my prior complaint and assist in ensuring that Robinhood conducts a fair and thorough reassessment of my case, taking into full account the evidence provided, including transaction timestamps and account activity discrepancies. You will find attached the time stamps of the unauthorized transactions that were not voided after and my initial email. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Media Collections, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I rented a truck from XXXX XXXX in XXXX, Texas for a move to California.On XX/XX/year>, the vehicle became inoperable in XXXX, California and was taken into XXXX XXXX possession immediately afterwards via XXXX XXXX ( their towing company ) XXXX XX/XX/XXXX, the vehicle was delivered by XXXX XXXX to XXXX XXXX repair facility under XXXX XXXX control, where it remained until XX/XX/year>. After repaired under warranty, the vehicle was returned to service and reissued to XXXX XXXX store # XXXX for rental use. Despite losing possession of the vehicle on XX/XX/XXXX, XXXX XXXX continued to bill me for the rental through XX/XX/year> and escalated the account to collections for {$46000.00}. This includes charges for periods when the vehicle was in XXXX XXXX custody for repair and after it had already been reissued for rental use at the new store. The alleged balance was inconsistently reported, initially approximately {$6100.00} and later reduced to approximately {$5100.00}, and {$40000.00} replacement cost was deducted, further demonstrating inaccurate account handling. I provided documentation to both XXXX XXXX and its collection agency, XXXX XXXX XXXX XXXX XXXX, including repair records confirming that the vehicle was not in my possession during the period charges were assessed. Despite this, the account was not corrected. Additionally, XXXX XXXX charged my credit card {$900.00} for a first week rental period that was not owed. After dispute, XXXX XXXX XXXXXXXX conducted an investigation and determined the charge was invalid and reversed it along with associated fees. I made multiple good-faith attempts to resolve this matter, including providing documentation, requesting validation of the debt, and escalating the issue to corporate contacts. XXXX XXXX failed to provide a meaningful response or correct the account. XXXX XXXX billed for a vehicle after it was no longer in my possession, while it was under their control, and after it had been returned to service and re-rented. The debt being collected is not valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
A copy of the 1099c & a copy of the DOLA ( DATE OF LAST ACTIVITY )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an email from William Rush and Associates about a debt for {$490.00} debt with the original creditor purchasing power. This is the fist time I received any notification about the debt, on XX/XX/XXXX, I sent an email to request a debt validation. I have also called the customer number provided multiple times that day and no one answered. On XX/XX/XXXX, I received a notification that William rush and associates added the collections to my credit report. This is illegal and malicious practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/year>, XXXX XXXX. STOLE AND FRAUDULENTLY CHARGE MY CARD THAT IS HELD WITH NAVY FEDERAL CREDIT UNION! NAVY FEDERAL DID NOR DO A THROUGH INVESTIGATION AND TOOK THE MONEY OF {$180.00} OUT OF MY ACCOUNT! NOW THE ACCOUNT IS OVERDRAWN!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: EAST WEST BANK

Complaint narrative:
I am writing to formally complain about the unfair and unannounced closure of my checking account by East West Bank. I have been a loyal customer of East West Bank for over XXXX years. Recently, I moved my balance of {$2500.00} from my checking account into a XXXX of XXXX ( XXXX ) within the same bank. I was under the impression that keeping the funds within the bank would continue to satisfy the minimum balance requirements. To my shock, East West Bank closed my checking account without any prior warning, email notification, or mail notice. I only discovered the closure when I could no longer access my online banking. My funds ( {$2500.00} ) remain with the bank in the XXXX, which proves I am an active customer with no intention of abandoning the account. I contacted their customer service, but they were dismissive and provided no solution other than waiting for the XXXX to mature or paying high reopening fees. This lack of notification before closing a long-term customer 's account is a violation of banking transparency and fair practice. The bank 's system failed to recognize my total relationship balance and penalized me without notice for an internal fund transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing a complaint regarding duplicate charges and overpayment involving XXXX XXXX in XXXX and my Best Buy credit card issued by Citibank. I made a purchase using XXXX XXXX in XXXX totaling {$660.00}, which was to be paid in four installments of approximately {$160.00} each. The original payments were successfully made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After receiving the item, I opened a dispute through my credit card issuer. During the dispute process, I received temporary credits. While the dispute was ongoing, XXXX informed me that because the charges were disputed through my credit card, XXXX XXXX in 4 plan was reversed and I was required to manually make the payments again. As a result, I made XXXX additional payments on XX/XX/XXXX and XX/XX/XXXX under instruction from XXXX in order to avoid account issues. I later closed the dispute, but after it was closed, my credit card issuer reversed the temporary credits and recharged me for four installments. Based on guidance from my credit card issuer, I then opened disputes for the XX/XX/XXXX and XX/XX/XXXX charges ( the additional payments ). However, after doing so, XXXX again treated those payments as unpaid and required me to make additional payments again on XX/XX/XXXX. This has created a continuous cycle where disputing charges causes XXXX to rebill me, and paying XXXX results in my credit card recharging me again. As a result, I have already paid a total of seven installment payments instead of four, totaling approximately {$1100.00} for a {$660.00} purchase, resulting in an overpayment of approximately {$500.00}. With the additional payments now being required again on XX/XX/XXXX, the overpayment is continuing to increase. I have attempted to resolve this issue directly with both XXXX and Citibank. XXXX states that the issue is with my credit card issuer, while Citibank states that the issue is with XXXX. Neither party has taken responsibility, and I am being held liable for duplicate payments caused by the dispute process and lack of coordination between the two companies. I am requesting an immediate investigation, that this billing cycle be stopped, a full reconciliation of all payments, and a refund of all overpayments ( currently at least {$500.00} and increasing ). This is a clear billing error resulting in duplicate and repeated charges, and I should not be financially responsible for this issue I highlighted the transactions on each of the statements per month Additional information provided by consumer : XXXX Company Name : Citi Bank

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 2026-03-24 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
on XX/XX/XXXX I purchased XXXX bottles of diabetic advertised supplement ( XXXX XXXX ) from XXXX XXXX XXXX for {$310.00}. This purchase was shown on my Bread Financial ( Comenity ) Credit card under this name XXXX XXXX. According to the online advertiser this supplement was supposed to eliminate my diabetic within XXXX months. I took this supplement for this period and my XXXX laboratory test results that my doctor had ordered before taking this supplement ( XX/XX/XXXX ) was 7.1 % and After taking the supplement it remained high at 6.8 % ( XX/XX/XXXX ) which was no significant improvement. On XXXX XXXX I called my credit card company and disputed the charges. They credited my account {$310.00} for about 2 months and then charged it back to my card and they pushed me back to the merchant. After multiple calls to the merchants and Bread credit card offshore representatives they were referring to each other without producing any results. On XX/XX/XXXX I a package including all documents including my XXXX test results to Bread Financial credit card mother company Comenity Capital Bank via XXXX registered mail demanding a full refund due to this fraudulent transaction and also reminded them that under Federal and Washington XXXX XXXX laws they are obligated to credit my account for the disputed charge. Unfortunately, in their XX/XX/XXXX they acted as an accomplice in this scam and fraudulent act by stating " We don't have detailed transaction information on retail stores or their merchandise. For assistance, please contact your local bread cash back store directly ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
On XX/XX/XXXX, I received an initial notice email from Columbia Debt Recovery XXXX ( DBA Genesis ) regarding an alleged debt of {$3000.00} originating from a Greystar property where I resided from approximately XX/XX/XXXX through XX/XX/XXXX. I received no further communication from Genesis after this initial notice. On XX/XX/XXXX, I discovered this debt had been reported to the credit bureaus. On XX/XX/XXXX, I sent a formal debt validation letter to Genesis via certified mail with return receipt requested, invoking my rights und er FDCPA 1692g. The letter requested full debt validation including the original signed lease agreement, an itemized breakdown of all charges, the move-out ledger, proof of collection authority, and documentation that each charge was lawfully assessed under the lease terms. I have the certified mail receipt confirming delivery. As of today, over 60 days later, Genesis has not responded to my validation request in any way. They have provided no documentation, no verification, and no communication whatsoever. Despite this, the unverified debt remains on my credit report. I dispute the underlying charges. After I moved out, the property management company assessed charges that I believe are excessive and unauthorized. They shut off my access to the resident portal, providing no opportunity to review, negotiate, or pay any legitimate balance. I received no communication about the charges only a collection notice from Genesis approximately one year later. Under the FDCPA, Genesis was required to cease all collection activity, including credit reporting, upon receipt of my timely validation request until proper verification was provided. They have failed to validate the debt and have continued to report it to the credit bureaus in violation of federal law. I am requesting that Genesis either provide full validation of this debt as required by law or permanently cease all collection activity and remove this account from all credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INCORRECT AND DOES NOT REFLECT MY TRUE PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND UNACCEPTABLE.

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 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INCORRECT AND DOES NOT REFLECT MY TRUE PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND UNACCEPTABLE.

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 2026-03-24 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: Comerica
State: PR

Complaint narrative:
The amount is XXXX and was disputed on XXXX With XXXX XXXX XXXX They sent letter to inform that they made decision to close the claim stating that the merchandiser proof the transactions were ok. My claim is because I request at least that the goods/services that the merchandiser delivered to me were incomplete and charged me for some items that exceed XXXX from the total amount charged. I have proof of each item and all detal. The items were owed by a third person ( customer ) of that store and I made the transaction for all items accorded but they, ( the merchandiser ) did not delivered all the goods to me as showed in the receipts. I have the proof too of the third person involved with the merchandiser that shows all items paid and the ones that the Merchandiser fail to delivery to me, surpsassing more that XXXX dollarsin the amount. Because this transaction is fraudulent I made the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The reported information is inaccurate and can not be verified. The lease ended on XX/XX/year>, and I vacated the property prior to that date, around XX/XX/year>. However, the documentation reflects a move-out date of XX/XX/year> and includes charges from months after I was no longer in occupancy. Additionally, I have documentation showing I established a new residence beginning XX/XX/year>, which conflicts with the reported timeline. The records also do not provide a clear or accurate accounting of the balance, as they list recurring charges without showing which amounts were paid versus unpaid, and include inconsistent rent amounts exceeding the original lease rate without explanation. Because the timeline and balance can not be verified as accurate and complete, I request deletion.

Company response to consumer: Closed with explanation