vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year>, i posted my prom dress on XXXX to sell for {$300.00}, i immediately got a message from @ XXXX that they wanted to buy the dress from me, we ended up exchanging numbers because the app was delaying messages and not sending them, we communicated via XXXX messages, the person sent me the name and address and said they would send an additional {$100.00} to cover for shipping due to them living in North Carolina and their prom being XX/XX/year> so they needed the dress as soon as possible, the person only had chime and i take XXXX XXXX XXXX XXXX, and XXXX.... i have chime i just have never used it - i sent her a picture of my username on chime so she can send the money so i can print out the label and ship out here dress today XXXX XXXX as agreed, she told me it was asking her to send an additional {$150.00} because she had a business account and i didn't, so she sent that but i had to send {$150.00} for the {$550.00} to reflect on my account, i did send the {$150.00} only because i was getting emails from " chime '' that the payment was there i just needed to refund her {$150.00} and so i did, she sent me a picture of her sending me the {$400.00}, i quickly realized it was a scam because of my mom she looked at it, i immediately texted her to send me the {$150.00} back and i requested it back also, instead of responding back to me she blocked me, deleted her XXXX account and i have not heard from the person to give me my money back.... I have screenshots of all the messages, the emails from " Chime, '' etc etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have attached documents but basically My account was hacked on XX/XX/year> and Synchrony Bank will not remove the charge which i did not make. They can not provide any information, I have done 5 fraud complaints and after a month it comes back the same. I have attached a detailed explanation of what happened along with questions i asked that they can not provide answers, i have attached 2 letters from XXXX XXXX stating i did not make any purchase and returned two fraud letters with proof i did not charge anything on this account. All to no avail. This account also has a {$0.00} fraud liability feature which they are not upholding

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Somehow i had some " pay over time '' option added for XXXX on my credit card. Not sure how it happened and I can't get a clear answer on that. I tried to get it removed, but Chase has set up a trick box that won't allow it to be removed, seemingly on purpose. I pay my balance every month and don't want this service included. The only way it appears i can get this successfully removed ( which was finally admitted by the supervisor right at the end of my call ) is to cancel my card, which Chase knows is a painful exercise to go through and impacts my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I attempted to cancel my gym membership but was told I could not cancel because I had a {$30.00} overdue balance. Because cancellation was denied, additional monthly charges continued to accrue, resulting in a total of {$120.00} sent to collections. I made a good faith effort to cancel the membership, but the companys policy prevented cancellation and caused the balance to increase unfairly. I was also unable to reach corporate support through any available phone number, email, or contact form to resolve the issue. I dispute this debt as it was created due to the companys refusal to allow cancellation, not due to intentional non-payment. I am requesting validation of the debt and investigation into the companys business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank is using predatory accounting and failing to accurately credit my auto loan payments. 1. Misapplied Funds : My billing statement from XX/XX/XXXX, shows a " Partial Payment Received '' of only {$150.00}. However, my bank records and the bank 's own internal transaction ledger show a full payment of {$490.00} was made on XX/XX/XXXX. The bank is withholding over {$330.00} in an unapplied status to artificially keep my principal balance high. 2. Accounting Fraud on Ledger : The transaction ledger provided by Huntington shows payments labeled " Amt Applied to Principal '' ( specifically on XX/XX/XXXX ), but the " Ending Balance '' column fails to decrease by that amount. The bank provided a transaction ledger that contains clear mathematical errors and discrepancies. I am filing this complaint because the bank 's internal records are inconsistent with my billing statements, and I am seeking a formal audit to correct the balance. I inquired with a bank representative to confirm if the reported balance was correct. The representative stated that the total was accurate without performing a detailed review of the transaction history. This response failed to address the mathematical inconsistencies between the 'Amount Applied to Principal ' and the 'Ending Balance ' shown on my ledger. Because the bank 's front-line support was unable to identify these clear accounting errors, I am requesting a formal investigation. 3. Inflated Balance & Interest : Due to these diverted funds and the failure to drop the principal, my balance is being reported as {$19000.00}. Based on my total payments of over {$12000.00} on a {$26000.00} loan, my principal balance should be approximately {$18000.00}. I have contacted the bank, and they provided the ledger but refused to correct the mathematical discrepancies. I demand a full forensic audit of the account and a balance correction of any missing funds, as well as interest rates applied incorrectly due to payments applied partially. Im not 100 % on the total being that high still but further investigation is needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MA

Complaint narrative:
The day before my wedding I attempted to cashapp my father XXXX XXXX I accidentally sent XXXX $ which he immediately tried to refund. Unbeknownst to me he had taken a loan out with cashapp, they took the money I sent him as payment and did not allow him to refund my charge. I disputed the charge and appealed the decision but was denied each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am a XXXX XXXX consumer submitting a complaint about a high-interest installment loan marketed and serviced by Xact ( Axcess Financial ), but originated by XXXX XXXX XXXX ( XXXX ). The loan carries an APR of approximately 219.40 %. I took out the loan in XXXX of XXXX. Although a bank is named as the lender, the non-bank entity ( Axcess/Xact ) appears to : Market the loan Service the loan Collect payments Since the loans origination, I have paid over {$3000.00}, yet the balance has increased to a current payoff of approximately {$3500.00}, with no apparent reduction in principal. This raises concerns about how payments are applied and whether the loan structure causes ongoing consumer harm. This situation suggests the loan may be part of a rent-a-bank arrangement designed to evade state interest rate limits. I am requesting that the CFPB review whether : This structure results in unfair, deceptive, or abusive acts or practices ( UDAAP ) The lender disclosures accurately reflect the true lender The payment structure and balance increases are harmful or misleading to consumers Given the extremely high APR and the payment history described above, I respectfully request that this loan be reviewed for enforceability and that I be considered for appropriate relief, including potential cancellation of the remaining balance and/or refund of amounts paid in excess of principal. I can provide the loan agreement and related documentation upon request. Evidence Summary NC consumer borrower Loan marketed/serviced by Xact ( Axcess Financial ), originated by XXXX APR approximately 219.40 % Over {$2000.00} paid Balance increased to approximately {$3500.00} No apparent principal reduction Ongoing consumer harm and lack of transparency concerns

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
LOAN ID : XXXX This complaint involves an Affirm installment loan used to finance a {$1500.00} XXXX purchase made on XX/XX/XXXX. The tickets associated with this purchase were never received. The shipment required a direct signature but was signed for by an unknown third party, and I did not receive the package or tickets. As a result, I was unable to attend the event, and the merchant did not resolve the issue. Despite the non-receipt of goods, Affirm continues to treat the loan as valid and enforce ongoing monthly payments under the installment agreement. As of now, approximately {$880.00} has already been paid toward this loan, with approximately {$880.00} remaining and multiple future payments scheduled through XX/XX/XXXX under XXXX. I have contacted Affirm to report this issue and requested that : The account be placed in dispute status Payments be paused or stopped The loan obligation be reviewed given that the goods were never received Assurance that no negative credit reporting would occur during the investigation However, the loan remains active, payments continue to be due, and I have not been provided a resolution that addresses the underlying issue. I am now placed in a situation where I must either continue paying for goods I never received or risk negative credit reporting if I stop making payments. This is not simply a billing issue. It is a financed transaction tied to non-delivery of goods, and the continued enforcement of the loan without proper resolution creates ongoing financial and credit harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am disputing a {$2100.00} charge made through PayPal Credit ( Synchrony Bank ) for a hotel booking through XXXX for XXXX XXXX XXXX in XXXXXXXX XXXX XXXX from XX/XX/year> to XX/XX/year>. The service provided was not as described. During my stay, I experienced multiple serious issues. There were cockroaches present in the room, indicating sanitation problems. Housekeeping was not performed despite multiple requests, and the cleaning indicator remained active for several days without the room being serviced. There was also a maintenance failure involving the air conditioning unit. Water leaked from the XXXX unit and formed a puddle on the desk. The puddle had a clear straight edge where my laptop had been placed at the time of the leak. After discovering this, I wrapped my laptop in towels and placed it in rice in an attempt to dry it, but it stopped working and became unusable. I reported these issues to the hotel during my stay and also contacted XXXX. XXXX acknowledged my complaints and confirmed they attempted to contact the hotel, but the hotel did not cooperate or provide a proper resolution. XXXX offered a partial 20 percent compensation, which does not reflect the severity of the issues, including sanitation problems and property damage. I submitted extensive evidence, including more than 15 videos and multiple photos documenting these conditions. However, only a portion of this evidence was reviewed, and the full extent of the issues was not considered. I filed a dispute through XXXX and PayPal Credit, but the dispute was denied without fully addressing the evidence or the fact that the service was not delivered as advertised and was partially unusable. I am requesting a full review of this charge under billing error protections for services not as described and failure to properly investigate my dispute.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Network Recovery Inc
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX since XXXX. I've been e mailed repeatedly for 6months that the card was switching to Citi bank , as of XX/XX/XXXX. As of XX/XX/XXXX XXXX card would close and I'd lose access to my on line account until it switched over to Citi as of Monday XX/XX/XXXX. XXXX did close my access, Citi is allowing the XXXX card to work for 6-8 weeks. XXXX XXXX states if I close account, I'd lose my miles, which I have approx XXXX [ worth $ XXXX XXXX ] and any auto payments on XXXX would be cancelled as of XXXX XXXX.When I went on line to Citi website Monday morning [ as prompted from their e mails ] they request ed my card number, cvv code, SS #, and zip code. I entered as directed and I'm told, welcome come back in 6-8 weeks after you receive your new CITI card ?? I can not view my account, can not change my auto pay, can not dispute any charges as I'd have no way of knowing whats or who is charging things. How can they in this day and paperless age, not allow me access for 8 weeks, especially after all the e mails I got saying the oppisite. I average 30-40 charges a month and always check my account reguarly on line.Please Help

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 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am filing a complaint against IC System regarding an inaccurate collection account that has been reported to my credit file. The account is listed as a collection from XXXX XXXX XXXX for approximately {$150.00}. I do not owe this debt. I closed my XXXX XXXX XXXX account and returned all equipment, and I have documentation confirming that no balance is owed. Despite this, IC System has reported this account to the credit bureaus, which is now actively damaging my credit. I have already disputed this account with the credit bureau and contacted IC System directly. I requested validation of the alleged debt, but they have not provided proper documentation. Reporting inaccurate or unverified information is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting : 1. Immediate deletion of this collection account from all credit bureaus 2. Written confirmation of removal 3. Verification that no further collection activity will occur on this account This is an urgent matter as it is actively harming my credit profile. If this issue is not resolved promptly, I will pursue additional legal remedies. I have documentation showing the account was closed and equipment returned and can provide it upon request.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This letter is in response to your contact by phone on XX/XX/year> about the alleged internet loans you have identified. This is neither an acknowledgement of debt or a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege is due to you. This is not a request to verify the debt but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment to you. You must provide the following alleged information to me within thirty ( 30 ) days from your receipt of this letter. 1. Creditor 's name and full address 2. Name of debtor of record 3. Full account number of debt 4. Amount of debt 5. Due date of debt 6. Original charge off or delinquency date 7. Explanation of how the debt was calculated 8. Name of collection agency or owner of debt, if applicable 1 / 2Pursuant to my rights under the FDCPA, I will be ignoring any future collection attempts until you verify that this debt is mine. Thank you for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
As a XXXX XXXX XXXX XXXX, I, XXXX XXXX, invoke my rights under the FCRA, the Identity Theft and Assumption Deterrence Act, and the FDCPA. These federal laws protect consumers against unauthorized use of personal information, guarantee the accuracy and integrity of credit reporting and debt-collection practices, and prohibit harassing or deceptive collection efforts. FirstPoint Collection Resources Inc continued attempts to collect a debt resulting from the fraudulent misuse of my identity have inflicted further harm. The fraudulent information is : 1. FirstPoint Collection Resources , Inc . 2. ACCT : XXXX 3. Balance {$110.00} FirstPoint Collection Resources Inc must validate the alleged debt by providing a copy of the original, wet-ink signed contract bearing my signature ; a complete, unbroken chain-of-title demonstrating your lawful ownership or assignment ; an itemized ledger reflecting every charge, payment, and adjustment ; proof that any information you have furnished to credit reporting agencies was accurate, permissible, and timely expunged under FCRA 605B ( 15 U.S.C. 1681c-2 ( a ) ). In accordance with legal standards and under the solemn declaration of maintaining truthfulness and accuracy, I confirm that all the statements contained within this document, as well as those included in any attached supporting materials, are true and accurate to the best of my knowledge. Furthermore, I acknowledge that this affirmation is made with complete understanding and awareness of the legal implications associated with perjury. This declaration signifies that any falsehoods or inaccuracies deliberately included in these statements may subject me to legal penalties, underscoring the utmost care and consideration used in verifying this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: IL

Complaint narrative:
I have been contacted an excessive amount of times by creditors to try to collect debts for accounts that i did NOT authorized. I am a victim of identity theft and this has damaged my life. The following unauthorized accounts are : XXXX XXXX OPENED XXXX. JEFFERSON CAPITAL LL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED XXXX. XXXX XXXX XXXX OPENED XXXX. XXXX XXXX XXXX XXXX XXXXXXXX OPENED XXXX. ALSO THERE ARE A TREMENDOUS AMOUNT OF INQUIRES I DID NOT AUTHORIZE AS WELL. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX, I was notified that there were changes to my credit scores through XXXX XXXX and XXXX. When I checked to see what was going on, I noticed that my credit scores had decreased by XXXX points. The reason for the decrease was due to an increased balance of an account with Montgomery Ward that was opened on XX/XX/XXXX, without my approval or authorization during a credit freeze that I had put in place through XXXX XXXX. When I reached out to XXXX XXXX internal office, I informed them of what had taken place. They informed me that they couldnt see any accounts linked to my name, birth date, or social security number. I informed them that there is an account linked to my social and appearing on my credit and need it removed. They informed me that there was nothing they could do because they didnt notice anything about said account on their end. They informed me to get in touch with the credit bureaus. There is literally an account with an account number for Montgomery Ward listed on my credit. I reached out to XXXX to help resolve the matter. A fraud and identity theft specialist got ahold of Montgomery Ward, disputed the account, and resolved said matter in regard to my credit score/report with XXXX. With this ongoing matter not only did Montgomery Ward fail with professional integrity and conflict resolution impacting an individuals credit stability, but XXXX XXXX also failed as well with proper protection, accountability and oversight. Today is XX/XX/XXXX, and the matter of identity theft and fraud still remains and continues to impact my credit score. The account has returned to my XXXX report after it was removed. This is completely unacceptable and unsatisfactory from both a personal and professional standpoint. Please be advised that a police report was filed on XX/XX/XXXX, with the XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, Colorado.

Company response to consumer: Closed with explanation