vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Concorde Auto Management, LLC  DBA  Concorde Auto Acceptance
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$360.00} needs to removed from the account incorrect or inaccurate information Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson Capital Systems is reporting a collection account on my credit report under account number XXXX that I have no knowledge of and have never received proper validation for. I was never notified of this debt being purchased or transferred to Jefferson Capital Systems, which is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, which requires a debt collector to provide written notice of the debt and my right to dispute it within 5 days of their first communication. I have never received any written communication from this company. Furthermore, this account is not being reported accurately or in compliance with the XXXX XXXX reporting standards set forth by the Consumer Data Industry Association ( CDIA ). XXXX XXXX compliance requires that all data furnishers report complete, accurate, and verifiable information to the credit bureaus. The reporting of this account contains deficiencies that do not meet those standards, which is also a violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. Under FCRA 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of consumer credit information. This account as currently reported does not meet that standard and is causing serious harm to my credit profile and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: CITIBANK, N.A.
State: TX

Complaint narrative:
There are multiple unauthorized debit card transactions ( 5 ) bringing with an XX/XX/XXXX order that was to be free merchandise with a shipping fee that was paid at that time. A few days later I was charged true the merchandise ( XXXX XXXX XXXX XXXX XXXX ) that was supposed to be free. I never received the merchandise. XX/XX/XXXX Dispute with Citibank XXXX : XXXX XXXX XXXX I recently disputed an unauthorized transaction by debit to my account. It was to be investigated. On XX/XX/XXXX I received a letter from Citibank asking for information and documentation. I am appalled at the incompetency of your customer service yep in not proceeding either a full investigation as we discussed at that time. I am XXXX, live alone and in ill health on a fixed income. {$74.00} is a significant amount out of my bank that I expect to be reversed immediately as either disputes I have presented in the past. The merchant has exploited my finances by taking funds for merchandise that was to be free and a shipping fee required only paid in the amount of {$10.00}. To date I have not received the gift basket ( XXXX XXXX XXXX XXXX offered by XXXX XXXX XXXX XXXX XXXX and the merchant, XXXX XXXX XXXX that made the unauthorized debit charging for a hurt that I supposedly won per a survey that I completed on the link XXXX XXXX XXXX XXXXXXXX I want reimbursement for the unauthorized charge of {$74.00} and the shipping fee of {$10.00}. Screenshots of documentation saved in my notes Please resolve this issue in a more timely manner. I am not conducting business by mail ; and, apparently making disputes by phone is no longer a viable option. Please contact Contact me for banking ID and any other info required. XXXX XXXX XXXX Citibank refunded {$74.00} but that are additional charges totaling {$170.00} that have nit been resolved. XXXX have been trying to get resolution to these charges for 5 months.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had money put back into my account from my account having charges i didnt make they put tve funds bavk in closed tge clam a hour later lost proventions deperment took all tge money out of my checkibg accont ckised my accont and no XXXX xan tell me why my accont was closed why my money was raken or why i havnt goten that money

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 2026-06-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: URS Holding, LLC
State: TX

Complaint narrative:
Contacted me by phone, on XX/XX/XXXX in regards to a debt with XXXX XXXX. That debt occurred in XXXX and discharged in XXXX. According to the clerk, the debt was never paid, they had sent letters from XXXX until recently in XXXX of XXXX. No letters were received. The letters were sent to my current address at XXXX XXXX XXXX, in XXXX Texas. My previous home burned to the ground in XXXX, so I have had that address for 6 years. All of this information came from XXXX XXXX XXXX, at phone XXXX, XXXX. Their physical address is in XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. The debt owed was XXXX. I received another call on XX/XX/XXXX from the same company with different creditor, this time XXXX XXXX.... same dates as above. This time with another amount due, an a lien on my bank until paid. I immediately called my bank... nothing there. I called them back this morning, XX/XX/XXXX and got another story. This time I am being threatened with garnishment of wages, liens on all of my property, house, cars etc,

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I deposited a payroll check of {$3400.00} on Friday, XX/XX/XXXX. The institution immediately withdrew {$1000.00} to pay an outstanding internal ledger loan, leaving a remaining balance of {$2400.00} which cleared completely into my XXXX XXXX XXXX XXXX XXXX Over the following days, {$1400.00} in standard merchant debits hit my account. Instead of executing the automated cash sweep to cover these debits, XXXX XXXX XXXX automated system locked my debit card and placed a - {$50.00} administrative lock on the ledger. Multiple customer service representatives have refused to escalate the issue to a supervisor or manually trigger the journal entry to reconcile the vault cash against the ledger debit, leaving me stranded without access to my legally cleared funds for basic necessities ( food and fuel ). On Thursday, XX/XX/XXXX, I finally reached a Resolution Manager on the phone. This manager explicitly stated and confirmed that the institution is experiencing a 'system-wide electronic glitch ' affecting cash balances and sweep functions. However, the manager stated they could do nothing to help me and instructed me to 'just let it cycle through. ' The institution is actively acknowledging an internal system failure while refusing to provide emergency manual overrides, temporary credits, or supervisor-level journal entries, leaving me actively stranded without access to my {$2400.00} in legally cleared funds for basic necessities ( food and fuel ).

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 2026-06-11 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a formal complaint against Citibank for a severe violation of the Fair Credit Billing Act ( FCBA ) regarding a closed billing dispute for " Services Not Received '' ( Reference # XXXX. I placed an online order with XXXX for XXXXXXXX XXXX XXXX flowers and chocolates totaling {$120.00}. The merchant committed gross partial-fulfillment fraud : they failed to deliver the chocolates entirely, and misdelivered the flowers a day late to a completely unrelated XXXX XXXX XXXXXXXX XXXX away from my mother 's home ( where nuns had to physically bring them to her ) .When I disputed the charge, Citibank closed the XXXX in the merchant 's favor. Citibank 's investigation was a total failure of the " reasonable investigation '' required by federal law. The merchant provided a generic, non-itemized invoice that only listed " Items : {$99.00}, XXXX {$27.00} XXXX. {$120.00}. The merchant intentionally used this vague, lump-sum invoice to conceal the fact that they never fulfilled the chocolate portion of the order. I called Citibank today to appeal, and the representative forced me into circles, refusing to reopen the case unless I provided an itemized receipt. I explained to the representative that the lack of an itemized receipt IS part of the merchant 's fraudthey do not provide itemized breakdowns via email, and their website portal is intentionally broken and loops when an old order number is entered. Furthermore, the merchant 's phone system is a rigged loop designed to block consumers from reaching support.Citibank is actively violating the FCBA by placing the burden of proof on me to provide documents that the merchant intentionally withholding. Citibank blindly accepted a completely unverified, non-itemized receipt as proof of full delivery, completely ignoring my explicit dispute regarding the missing merchandise. Citibank is rewarding a fraudulent merchant and forcing me to pay for stolen goods.I demand that Citibank 's Executive Compliance Team review this case, legally demand the internal warehouse packing manifest from XXXX, or issue a full credit to my account immediately.

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 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Dept of Education/NELN ( Nelnet ) is currently reporting XXXX separate student loan accounts on my credit report that are not being reported accurately or in compliance with the XXXX XXXX XXXX standards set forth by the XXXX XXXX XXXX XXXX XXXX XXXX ). The XXXX accounts being reported are as follows : Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX All XXXX of these accounts are reporting as negative across XXXX, XXXX, and XXXX. However the information being reported is not consistent across all three bureaus and does not reflect complete, accurate, and fully verifiable data as required under XXXX XXXX compliance standards. XXXX XXXX requires that all data furnishers report information that is accurate, complete, and reported with the correct status codes, payment history, and account details. The reporting of these accounts does not meet those standards. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), which prohibits any furnisher of information from reporting data to a consumer reporting agency that they know or have reasonable cause to believe is inaccurate. Additionally under FCRA 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of consumer information. The inconsistent and inaccurate reporting of these XXXX accounts across multiple bureaus is a clear failure to meet that standard. Furthermore under FCRA 1681i, I have the right to dispute inaccurate or unverifiable information and have it investigated and corrected or removed. The data being furnished by Nelnet on these accounts can not be verified as fully accurate and XXXX XXXX compliant and is causing serious and ongoing harm to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: PA

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act because the date of first delinquency is more than XXXX years old. This hospitalization occurred on or about XX/XX/year>.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
( HYUNDAI FINC ), XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date Opened : XX/XX/year> Balance : {$31000.00} I have no recollection of applying for or entering into any vehicle financing agreement with Hyundai Finance. I did not authorize anyone else to open this account on my behalf. This account appears to have been opened fraudulently using my personal information without my knowledge or consent. I have already filed a dispute with the credit bureaus and reported this as identity theft with the FTC. Despite this, the account remains on my credit report and continues to negatively impact my credit standing. I am requesting that the CFPB investigate this matter and that Hyundai Finance immediately remove this fraudulent account from all three of my credit reports ( XXXX XXXX XXXX XXXX XXXX, cease any collection activity related to this account, and provide documentation of how this account was opened and verified

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 2026-06-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I filed a fraud claim with Bank of America regarding approximately {$7000.00} in transactions from XXXX XXXX XXXX that I reported as unauthorized. I informed the bank that I did not make or authorize these purchases. Bank of America investigated the claim and later denied it, stating that the transactions were authorized by me or by someone who had permission to use my account. I disagree with this conclusion because I did not make these purchases and did not authorize them. I am requesting that Bank of America provide the evidence and documentation used to determine that the transactions were authorized and review the claim again. I would like a clear explanation of how the bank reached its decision and whether any additional review is available.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Independence Capital Recovery, LLC
State: MI

Complaint narrative:
On XX/XX/year> my daughter received a text message from independence capital recovery with all my information on my account about how much I owe when I called independence recovery the lady told me that phone number that they sent to my daughter was my home phone number I told her it wasnt my home phone number. My home phone number is the same as my cell number then she said let me go get my manager so she went to get the manager and the manager told me that they sent a text message to a reference number with all my information on there I told him I never put my daughter down as a reference number. He said that XXXX XXXX which is original creditor mustve had put it on there. I said I dont know why because I dont put any of my family on my information as a contact or anything then he said he dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: SC

Complaint narrative:
I went to a hotel last Saturday on XXXX and used a credit card when booking online. When I got to the hotel they asked for a card and I thought it was just to put on the room in case of incidentals. After swiping my debit card they let me know that it was to pay for the whole stay and that the card I used online was just to book. They immediately reversed the transaction on my debit card and reversed authorization and I used my planned original credit card. 5 days later my funds from my checking acct are still sitting in pending when I called in three days ago and emailed SoFi a copy of the receipt from the hotel showing the voided transaction as well as a copy of the voided receipt. The hotel finished processing 3 days ago and has provided proof this transaction is reversed. Ive been told multiple times that a back office team is reviewing the charges and will follow up and its been pushed back day after day. Theres no reason SoFi should just be holding my funds in pending because even if the transaction had gone through it wouldve settled already. Completely to do to a long time member whos in good standing with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am describing a situation with Affirm involving a returned item and lack of refund given for five weeks and counting. I purchased a lens from XXXX XXXX XXXX XXXX on XX/XX/year>. The total amount was {$860.00}, split between my XXXX XXXX card ( {$270.00} ), and my Affirm account ending in XXXX ( {$590.00} ). This was an installment loan that required me to pay {$32.00} every month for 12 months, with a payment of {$230.00} due at purchase ( XX/XX/year> ). The lens turned to be defective. I returned the lens - in person - on XX/XX/year>, to XXXX XXXX XXXX. I received a refund to my XXXX XXXX within two days, but no refund came back from Affirm. 7-10 days passed and through the Affirm chat function I discovered that they were questioning whether the item had been returned. I provided a PDF of the Return Merchandise Authorization ( RMA ) from XXXX XXXX XXXX to prove that it had been returned. I also phoned and spoke to Affirm representatives and continued using the chat functionality, all to no avail. I disputed the transaction through my XXXX, who credited by account {$230.00}. I also spoke to XXXX XXXX XXXX, who assured that the refund had been issued to both XXXX XXXX Affirm on XX/XX/year>. XXXX informed me via electronic letter that they would be " removing {$230.00} from your account on or after XX/XX/year> ''. I spoke to XXXX XXXX on XX/XX/year>, and asked them to rescind that removal, but they declined. According to XXXX XXXX, Affirm have received back {$230.00} ( on XX/XX/year> ). On XX/XX/year>, after lengthy calls with XXXX, XXXX & XXXX, and lastly Affirm, I can report no further progress on my refund of {$230.00} from Affirm. Affirm refuse to process the refund, despite being given evidence on the returned item, assurance from XXXX XXXX XXXX of their refund to Affirm of {$590.00}, a successful refund to my XXXX XXXX, and after five weeks having passed.

Company response to consumer: Closed with explanation