vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLIANT CREDIT UNION
State: FL

Complaint narrative:
I made 2 payments this month.One was an overpayment towards my principal.The second one was a complete additional payment to go towards my principal and they have taken the payment and put it to mostly interest. They have also been unable to contact during normal business hours via chat or phone number. So I can not take up my complaint with an actual agent. I was also told any additional payments made in the month would be applied one hundred percent to principal and that was a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing a complaint regarding an apartment complex and debt collection matter involving charges from my previous apartment account that were ultimately paid and confirmed settled, yet were still referred to collections. After moving out of my previous apartment, charges were added to my account in XXXX. Upon seeing the charges, my husband and I immediately contacted the leasing office multiple times by phone and email requesting an itemized ledger and explanation of the fees so we could understand what we were being charged for before submitting payment. As it was XXXX, we still had plenty of time before the payment was due. Despite repeated attempts to obtain clarification, we received little to no response for an extended period of time. On XX/XX/XXXX, we contacted the office XXXX final time and clearly stated that we were willing and prepared to pay the charges immediately once we received the requested breakdown of fees. The apartment complex finally provided the ledger on XX/XX/XXXX, and we submitted payment the same day. The payment was processed on XX/XX/XXXX, and the apartment has since confirmed to us that : the charges were paid, the account was settled on time, and the account balance is now {$0.00}. However, despite the account being fully resolved and paid, I received a debt collection notice in the mail afterward indicating that the apartment complex had referred the account to collections as of XX/XX/year>. I contacted the apartment complex immediately after receiving the collection notice to determine whether there was any outstanding balance or unresolved issue. The office confirmed there was no balance due and that the account was fully settled. I am concerned that : My account was improperly or prematurely referred to collections despite active communication and timely payment once documentation was provided. This inaccurate collection activity may negatively affect my credit history and financial standing. I am now being required to defend myself against a debt that the apartment complex itself acknowledges has already been paid and resolved. I have documentation showing : repeated requests for an itemized ledger, communications demonstrating our intent to pay, proof of payment, and confirmation that the account balance is {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Creditly Corp.
State: MO

Complaint narrative:
Credit took {$310.00} out of my account when I only owed them {$210.00}. They have not refunded my {$100.00} nor responded to any additional request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Contacted TD Bank about this issue 7 times so far. I have been trying to use the rewards and they say the only way is through XXXX so I went through all the steps to use the rewards on XXXX. I have been putting in orders for weeks and it keeps declining my payment. TD even offered " more rewards '' to make up for the hassle but they are blocked and now the entire payment won't even go through. I wasted HOURS, so so so many hours on the phone trying to resolve this and nothing. The most recent phone call, they said that the card is expired and they have to send me a new one. However they said they WON'T send a card to my current address and I have to change it online, however, the online website DOES NOT ALLOW YOU TO CHANGE THE ADDRESS. I said I'm already on the phone with you let me change it by phone. She said she would only do that if I gave her the 3 digit code on the NEW card, which obviously I don't have because they never sent it, so how am I supposed to change the address??? Need the new card to change the address to have a new card sent- what??? And it turns out, you can't actually use the reward points unless you use the whole card for payment - so you just can never use them in that case!!!! The representative on the phone was even so XXXX to suggest I find something on XXXX that equals the exact amount of the points with tax and shipping, give me a break. I am so fed up with this bank and I can't believe they still exist, I have had NOTHING but problems with them for years at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Applied for extension on XX/XX/year> paid {$130.00}, never received letter to sign Agreement expired and on XX/XX/year> applied again, paid {$130.00} again and never received the letter On XX/XX/year> applied again didnt have to pay the fee and on XX/XX/year> I received the letter in my account on line. I signed and was accepted by Ally Servicing LLC The letter states that XXXX payment is {$270.00} and XXXX payment already normal payment of {$690.00} Now Ally Servicing wont honor the extension agreement and put in my account that I have a late payment because for XXXX I should pay regular payment if {$690.00} not partial from Extension Agreement I called company few times and they wont honor their extension agreement letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
For weeks I have been battling with chime to return money that was stolen from me. They have declined me twice and claimed the third time I filed it was never filed. I finally got tired of dealing with them and deactived my account since it was obvious of fee things one they were protecting their employee they sent the money too and two they had no intention of helping me with the matter. Well yesterday I get a unknown text person text me in XXXX. I XXXX what the message said and it stated if I even tried to contact chime again about the money they stole from me I would be killed. Today I filed a report with the fbi on the matter and I am looking into a lawyer to file a lawsuit against chime as well speak for the money. They have several times denied to help me i have even heard them snicker and say couldn't be me when on the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15usc 1611 Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I discovered unauthorized transactions involving my Cash App account after {$2100.00} was withdrawn without my knowledge or permission. I did not authorize these transactions, did not send the money myself, and did not give anyone permission to access my account. After noticing the fraudulent activity, I immediately contacted Cash App and began reporting the issue to both Cash App and XXXX XXXX. I believe my account information was compromised or accessed by an unauthorized person, resulting in the theft of funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: KY

Complaint narrative:
I paid my account with Radius Global Solutions on XX/XX/year>. The payment cleared my bank account on XX/XX/year>. At the time payment was made, I was told by the representative taking my payment that I would receive both an email and mailed settlement/paid-in-full letter within XXXX hours after the payment cleared. After receiving nothing, I called again on Friday, XX/XX/year>. Representatives confirmed my account balance was XXXX and acknowledged that I owed nothing further. I explained that I urgently needed written confirmation that the account had been settled/resolved so I could provide it to my bank. I was again told I would receive the email within 48 hours. Later that same day, I called back requesting escalation to a supervisor so the letter could be emailed immediately in XXXX form. I was told escalation was not possible and that they would double email the request, but no email was ever received. On Monday, XX/XX/year>, after still receiving no response or documentation, I called again and was finally transferred/escalated toward a supervisor. The representative became rude and instructed me to leave a voicemail. I left a voicemail explaining that I needed the settlement letter emailed immediately for my bank and advised that I would file a complaint if I did not receive a timely response. As of today, I still have not received a callback, email, or settlement letter. I also emailed multiple departments on XX/XX/year>, including their complaint department and consumer solutions email address, requesting immediate written confirmation, and have received no response. I am requesting that Radius Global Solutions immediately provide written confirmation by email/XXXX that my account has been settled and that the balance is 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 non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I do not recognize this alleged medical debt and believe it may be inaccurate. The provider may have failed to properly bill insurance. I requested validation and proof I am responsible, but this account continues reporting without sufficient documentation. I am requesting investigation and removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Harris & Harris, Ltd.
State: MN

Complaint narrative:
So I owed XXXX XXXX but as long as Ive been paying on it which is {$25.00} a month or more like on XX/XX/year> I paid {$25.00} as I always do but I thought they couldnt take more then what I offered to pay so I checked my account balance and it pretty much said that they took all the money from my account and I didnt agree to debt collectors to take all my money I have kids and other things to pay such as bills and things but when I checked my balance {$1700.00} is gone and after I paid on it which was {$25.00} how is it possible for them to just take my money like that when I them give them permission to take out my account I was paying on it like Ive been doing now all my money is gone

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My checking account was compromised. I was scammed with someone who stated they where my credit union. They took out all my money and also money in my savings accounts. They started with a text asking if I had charged several items. They sent me a phone number to call and a code to use. They where very nice and sounded just like my Credit union. They set up an appointment with my CR and gave me the address and time to go to get a new account number and debit card.They even had me open my Cashapp and do a " dummy '' transaction, ( I guess I was the dummy ) and they took money out of there also. I got the person 's name and number they called from. I let the CR know about all this. But after the XXXX days they are going to take back the funds they put in for me, XXXX person even did a loan for {$3000.00} but CR was able to cancel that. So in total {$1500.00} was taken from me. This person even called me back asking if I was traveling out of the country, I cursed them out and hung up. So here we are. I want to find out how to catch this person and get my money back. HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the following closed accounts on my credit report, which I received from your bureau. These accounts were reported without my consent, and I never authorized this use of my personal information. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate, incomplete, or unauthorized information.2. XXXX Account 1 Account Number ( ending in ) : XXXX Reported Date : XX/XX/XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Amount : {$930.00} This account was also closed, but it was reported without my authorization. 3. XXXX Account 2 Account Number ( ending in ) : XXXX Reported Date : XX/XX/XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Amount : {$990.00} This account was also closed, and no consent was given for its reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I opened a Comenity BankXXXX XXXX credit card at XXXX XXXX for XXXX dental work. The charges totaling {$870.00} were applied to the account, however the dental services were never performed. I was billed for procedures that did not take place. When I contacted XXXX XXXX directly to dispute the charges and request documentation proving the services were rendered, they refused to provide me with any information or records. I have no signed treatment authorization for the billed procedures, and no services were delivered. This account has been reported negatively on my credit report despite the charges being fraudulent. The debt was subsequently sold to a collection agency, further damaging my credit for services I never received. I am requesting that the CFPB investigate this matter, require Comenity Bank and XXXX XXXX to provide documentation proving these services were rendered, and if they can not, that all charges be waived and the negative credit reporting be removed entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am requesting a full written explanation regarding the disputed XXXX XXXX charges on my account. I originally signed up for what was advertised as a free trial but was immediately charged. I then attempted to cancel and was charged again after accidentally tapping a subscription option while navigating the app, without a clear purchase confirmation screen. I was told I received a temporary credit, but the reversals and later charges on my account do not clearly match what Chase representatives explained to me. I need a detailed breakdown of : - all credits and reversals related to this dispute, - the merchant response submitted, - whether the dispute was denied or reversed, - and the reasoning behind Chases determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Coast 2 Coast Financial Group, LLC
State: TX

Complaint narrative:
I have major health issues that I explained to the company before I purchased the vehicle. I explained some times I may be a little late making a payment, due to me being hospitalized. I was told as long as I communicate with them and let them know what's going on they will be here for me. That was completely false. I lost my job due to health issues back in XXXX of this year. I explained that to the company. I also explained to the company that I couldn't not afford to pay any more that $ 350 monthly for a car note. When my first payment was due, I was told my payments were {$460.00} every 2 weeks. That is triple the amount I told the company I couldn't afford. When I called and complained about it they ensured me it was because they provided me with vehicle insurance through the company and that is why my payments are higher. I went to the XXXX to renew my license and was told that I don't have insurance and that the dealership is getting extra money from me. I was also told by an officer that my insurance is not valid. No one ever answers the phone unless you are late on a payment. My last car payment was due on XX/XX/year>. I explained to the company I was going to be a little late due to me having another XXXX being hospitalized. On Saturday XX/XX/year> I put {$100.00} towards my payment told them I would pay the rest on XX/XX/year> once my co signer direct deposit hits. My car was cut off by XXXX XXXX on XX/XX/year>. I called and called and called, no one ever answered. When I made the rest of the payment, I still was unsuccessful getting anyone on the phone and my car is still not on. I have major health issues, I have XXXX XXXX XXXX, and my co-signer needs to get to work to be able to pay bills and take care of his family! I explained that to them and told them to stop cutting my car off as I have never been more than 10 days late on a payment! I make payments in full and on time 90 % of the time. I can't even afford this note and I was swindled by XXXX XXXX at coast to XXXX XXXX! The car is raggedy. There is XXXX miles on it. It's worth {$6400.00} I was told the car was {$16000.00} but on my credit report it is showing {$33000.00}. I was told payments would be {$300.00} every two weeks and they are {$460.00} every two weeks and if you don't pay even if you make an arrangement with them they shut your vehicle off which is unfair and has to be illegal. I have not gotten any service that I was promised nor any proof of anything! Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with XXXX XXXX for a {$350.00} charge from XXXX XXXX on my checking account. XXXX XXXX assigned dispute reference number XXXX, investigated, and applied permanent credit on XX/XX/XXXX, resolving the matter in my favor. The chargeback was never reversed. In XXXX, in addition to filing the formal dispute through XXXX XXXX, I also spent significant time on the phone directly with XXXX XXXX attempting to resolve this billing issue and have it removed from their books. Despite XXXXXXXX XXXX XXXX resolution of this disputed charge, XXXX XXXX continued to treat the {$350.00} as an outstanding balance and accrued additional fees, ultimately raising the alleged balance to {$570.00}. XXXX charged off the account and sold the debt to Jefferson Capital Systems. Jefferson Capital Systems currently reports {$570.00} as a collection account on my credit report. Jefferson Capital, through its collection agent XXXX, sent me multiple collection communications between XX/XX/XXXX and XX/XX/XXXX attempting to collect this amount. In their XX/XX/XXXX communication, XXXX included the legally required disclosure that the debt is past statute of limitations and that Jefferson Capital can not sue to collect on it. Despite the debt being time-barred and originating from a payment already adjudicated in my favor by my bank, Jefferson Capital has continued to report this account on my credit file. I previously disputed this debt with the credit bureaus in XXXX ( XXXX ) and in XXXX ( via XXXX XXXX ). In both cases the dispute was returned as " verified '' without meaningful investigation, despite the underlying payment having already been adjudicated by my bank and the chargeback having held. On XX/XX/XXXX, I obtained written confirmation from XXXX XXXX ( document reference XXXX ) reconfirming the dispute filed XX/XX/XXXX for {$350.00} against XXXX XXXX, the dispute reference number XXXX, and the permanent credit applied on XX/XX/XXXX. Jefferson Capital Systems is reporting and has attempted to collect on a debt that is ( a ) derived from a payment already resolved in my favor by an FDIC-insured bank nearly six years ago, and ( b ) past statute of limitations by Jefferson Capital 's own collection agent 's written admission. The continued credit reporting of this debt has caused ongoing harm to my credit file over a multi-year period.

Company response to consumer: Closed with non-monetary relief