vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I have been an affirm customer for a decade if not longer. I have never missed any payments or have abused my spending limits. I recently used my virtual card at an outside vendor event held at my business and made a large purchase of cosmetic services for myself ( injectables ) and a tanning booth for my home. My application through affirm was accepted and processed- they then flagged my account for suspicious activity. Customer service told me numerous times that an incorrect pin was used and I would be sent a link to verify my information. A month later, I receive an email that I violated their policies for using my funds as a business loan. They never asked for receipts of any additional information to refute that conclusion and have been giving me the runaround every single. When I call customer service I am transferred XXXX times to then wind up being told that the higher department doesnt take phone calls. There is also NO SUCH policies listed on their website- they in fact have a clause that reads the following ; You will not provide information belonging to any person other than yourself or use an account that belongs to another person for yourself or on behalf of another person, unless you are applying for a business purpose loan and authorized. They have also never flagged any such transaction before and admit that it has occurred over the YEARS a total of XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: WA

Complaint narrative:
First I got my XXXX taxes to credit karma Then I used some of it and then had some refunds from products that I returned to XXXX XXXX and some disputes needed to be handled but instead they closed my account froze my tax return money and now no one will answer me or email me or call me they hang up after telling them whats happened Ive even had XXXX AGENT TELL ME TO F OFF AND F MYSELF. I have now financial hardship and facing eviction and having my car repossessed because of there actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
In XXXX, I signed a lease agreement with the apartment complex ; however, I never took possession of the rental unit. I did not receive keys, did not complete a move-in inspection, did not activate utilities, and never occupied the property at any time. I continued residing at my family home during this period. Despite this, in XXXX a collection account for approximately {$2500.00} was placed on my credit report for this lease. I have disputed this account multiple times with the credit bureaus, but it continues to be verified without proper investigation. I also requested validation of the debt, including proof of possession, occupancy records, and an itemized breakdown of charges, but this information has not been provided. This account is being reported as a valid rental debt despite no tenancy or occupancy ever occurring. I believe this is inaccurate reporting. I am requesting that this account be deleted unless the company can provide verifiable proof of possession and lawful occupancy-based charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I had a transaction to go through my account twice, I called the bank and completed a dispute and they havent done anything and they are trying to apply overdraft for the transaction that I didnt authorize. I have called several times and no compliance has been received.

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 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
I am submitting a follow-up complaint regarding Bonneville Collections for ongoing conduct that occurred after my previous complaint was closed. In response to my prior complaint, the company stated they were unaware of multiple contacts. However, the repeated contact has continued and significantly increased. After issuing two written cease communication requests, I received 61 additional emails regarding this account. In total, I have now received over 80 emails. Importantly, these communications continued even after the company submitted their response to the CFPB. The emails were not sent at reasonable intervals. They were sent in rapid succession, including multiple emails within the same minute and clusters of messages within only a few minutes. This pattern is documented with timestamps. This occurred despite : My written dispute Payment made directly to the original creditor Multiple requests to cease communication A prior CFPB complaint While the company acknowledged the account is paid, they have failed to address or correct the repeated and excessive contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
Hi Optum Team, Im writing to request a formal review and escalation of an XXXX contribution issue. I initiated a contribution for the 2025 tax year prior to the XX/XX/XXXX deadline. However, I was informed that due to standard 45 business day processing times, the contribution will not be completed in time and therefore can not be applied to 2025. This is concerning, as the timing issue appears to be purely operational despite my action being taken before the deadline. I spoke with XXXX, a supervisor, on XX/XX/XXXX at approximately XXXX XXXX. While I appreciate the explanation provided, I do not feel this adequately addresses the situation. From a customer standpoint, I met the deadline requirement, and it is unreasonable that processing delays on your end would result in the loss of a tax-advantaged contribution year. I am requesting that this be escalated and reviewed for a potential exception. Specifically, I would like to know whether : The contribution can be applied based on the initiation date, or A manual adjustment or alternative solution can be made to ensure it is treated as a 2025 contribution If this can not be accommodated, I would appreciate a clear explanation of why there are no options available despite the contribution being initiated on time. Please let me know the next steps and whether this can be escalated further. I am happy to provide documentation confirming the timing of the transaction. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: IN

Complaint narrative:
I am filing a complaint regarding a delayed international remittance processed through Abound, which has not been successfully credited despite repeated follow-ups and assurances from the company. On XX/XX/year>, I initiated a request for clarification regarding a delayed transfer, as the funds had not been deposited into the beneficiary bank account. I was informed by Abound support that the issue would be escalated to their banking partner and that the typical resolution timeline would be XXXX business days. By XX/XX/year>, I followed up again as no update or deposit had been received. Abound reiterated that the transaction was still under review and being escalated with their banking partner, but no concrete resolution date was provided. On XX/XX/year>, I again requested a clear status update and a definitive timeline for fund delivery. At this point, I was informed that the issue remained unresolved, and that the transaction was still being worked on internally. I explicitly requested clarity due to ongoing financial impact, including additional interest charges incurred as a result of the delay. Later on XX/XX/year>, Abound responded stating that the transaction was still under escalation and now provided an estimated credit timeline of XX/XX/year>. However, this timeline was only provided after multiple follow-ups and lacked transparency regarding the actual status of the funds. As of XX/XX/year>, the funds have still not been credited, and the situation remains unresolved. I have continued to follow up, but the responses have been vague, non-specific, and do not clearly explain where the funds currently are in the transfer process. Impact This prolonged delay has caused me financial harm, as I am incurring additional interest charges due to the non-receipt of funds. These costs are outside my control and directly caused by the delay in processing. The lack of timely resolution and clear communication has also created significant financial uncertainty and inconvenience. Requested Resolution I request : Immediate investigation into the status of the transaction. Clear disclosure of where the funds currently are in the transfer process. Expedited completion of the transfer without further delay. Compensation or reimbursement for financial losses incurred due to the delay, including interest charges where applicable. Despite multiple attempts to resolve this directly with Abound support, I have not received a definitive resolution or satisfactory explanation for the delay.

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 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: IL

Complaint narrative:
This submission is provided as supplemental information to my prior complaint regarding Nelnet. Id filed with the CFPB and their response is a true indication that the documents I submitted were not reviewed. I am clarifying the specific nature of my dispute in response to Nelnets reply. Nelnets response addresses a request to remove the loans from my credit report and broadly defends its authority to report to credit reporting agencies. That is not, and has never been, the issue raised in my complaint. I have never requested removal of my accounts from my credit report. My dispute is limited to the accuracy of the reported late payments. ( XXXX XXXX ). There are XXXX core issues involved in this dispute. First, Nelnet failed to properly reflect the effect of a backdated forbearance. The Department of Educations retroactive application of forbearance reclassifies the affected period as a non-payment status. ( XX/XX/XXXX ) As a result, reporting delinquency for that same period does not accurately reflect the corrected account status. Second, I previously submitted documentation supporting a servicing error regarding notice delivery and account handling. This includes a XX/XX/XXXX generated notice reflecting my correct mailing address on file ; however, Nelnet subsequently generated address verification letters, failed to send any notice of delinquency, and issued a default notice to a prior, incorrect address. This documentation was not meaningfully addressed in the response, and the investigation did not reconcile how the reported delinquency aligns with the corrected servicing timeline. Additionally, I contacted Nelnet directly to address these issues and pointed out that my submitted documentation had not been reviewed. During that call, the account XXXX repeatedly instructed me to submit the dispute in writing, despite me clearly stating that I had already done so multiple times and had provided supporting documentation. Nelnets characterization of the reporting as factually accurate does not account for the subsequent correction of the account through backdated forbearance or the resulting impact on payment status for the affected period. I am requesting a correction limited strictly to updating the XXXX reported late payments to current status to reflect the period covered by the backdated forbearance. I am also requesting a full review of the previously submitted documentation supporting my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
I am filing a complaint against a debt collector for continued unlawful communication after receiving a cease request. On XX/XX/year>, I sent a written notice via Certified Mail disputing the alleged debt and instructing the company to cease all telephone communications. This notice was sent with tracking and constitutes verifiable delivery. Despite this, the company continued to place calls to my phone after receiving the notice. Documented calls include : XX/XX/year> at approximately XXXX XXXX from ( XXXX ) XX/XX/year> at approximately XXXX XXXX from ( XXXX ) These calls are supported by call logs and screenshots. The use of multiple phone numbers indicates continued attempts to contact me despite my clear written request to stop. I have taken the following actions : Sent a certified cease communication letter Documented all incoming calls Retained supporting evidence The company has continued contacting me in disregard of my written notice. This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including continued communication after a cease request and harassment through repeated calls, as well as the Telephone Consumer Protection Act ( TCPA regarding repeated calls without consent ). I am requesting that the company : Immediately cease all telephone communications Confirm that my number has been removed from their system Ensure compliance with applicable federal laws moving forward I reserve all rights to pursue additional remedies if this conduct continues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IN

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Re : Complaint Against Comenity Capital Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : I am submitting this formal complaint regarding my inability to access prior account statements and obtain customer assistance for my former XXXX XXXX XXXX XXXXXXXX XXXX account issued by Comenity Capital Bank. My account was closed by the bank on or about XX/XX/XXXX, after I paid the balance in full. Since that time, I have been denied reopening of the account. While I dont understand the banks decision regarding closure, that is NOT the purpose of this complaint. My complaint is that I urgently need access to my prior credit card statements for tax preparation purposes, and I have been blocked from every available channel to obtain them. Issues Experienced No Online Access My online portal access has been XXXX. I am unable to log in and retrieve historical statements. No Live Customer Support Access by Phone When I call the number listed on the back of the card ( XXXX ), the system requires me to enter my Social Security number. After I do so, I receive an automated message stating that the account was closed by the bank and can not be reopened. The system then immediately disconnects the call. No Alternative Menu Options There is no option to speak with a representative, request statements, verify identity, or obtain account records. I called multiple times and was unable to bypass the automated system without entering my social security number, in which it does the same thing : sends me to an automated message that assumes Im calling to re-open my account and hangs up on me. Why This Matters These statements are needed for legitimate tax record purposes and may contain important financial documentation. Blocking a former customer from both online access and human assistance creates an unreasonable barrier to obtaining personal account records. Requested Resolution I respectfully request that Comenity Capital Bank promptly do the following : Provide me access to all statements for my account for the years XXXX and XXXX. Provide a working customer service method for closed-account holders to request records. Confirm whether statements can be mailed, emailed securely, or otherwise made available immediately. Review and correct the phone system that disconnects consumers without offering assistance. Time is important, as I need these records as soon as possible. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I was a long-standing PayPal customer who used the platform exclusively for legitimate merchant payments. I transacted with XXXX merchants regularly and in large volumes. Throughout my entire time with PayPal, I paid every required fee in full without exception, never circumvented any fees, never used the platform for personal transfers, never filed a single dispute, and maintained a completely clean account record. I never violated any of PayPal 's terms and conditions. Without any prior warning, PayPal sent me a notice stating that my account was being permanently limited and I would no longer be able to use it. No specific reason was given. When I contacted PayPal to ask for an explanation, they refused to provide one and simply told me to read the terms and conditions. No specific violation was ever identified. No warning was issued beforehand. No opportunity was given to address any concern. I was permanently banned without explanation or any opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank closed my Citi XXXX XXXX account because a Social Security Number update was required. While I understood the administrative need for the update, the account closure was handled poorly. During multiple follow-up conversations with Citibank phone representatives in XXXX, XXXX and XXXX, I was explicitly and repeatedly promised that my {$590.00} annual fee would be refunded in full within 12 billing cycles. I was told the refund had been approved and was being processed. Relying on these professional assurances, I waited for the refund to appear. I have now been informed by Citibank that they are refusing to honor the verbal contracts made by their agents and will not be refunding the fee. Citibank is currently retaining {$590.00} for a premium service they are no longer providing. This constitutes a failure of consideration and a breach of the promises made by their authorized representatives.

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