vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a loan issued through Climb Credit in connection with an educational program offered by XXXX XXXX Before enrolling, I requested clear information about the program, including the technology stack, course structure, and suitability for my interview preparation needs. However, the information provided was incomplete and did not accurately reflect my expectations. Critical details that would have influenced my decision were not clearly disclosed. In the programs introductory video, the school stated that the Climb Credit would support the school ( XXXX XXXX ) in all matters, but not students. As a result, when I requested cancellation of the program and reversal of the loan, climb credit refused to act unless the school initiated the refund. This practice leaves students without recourse, even when the program does not meet expectations or deliver the promised services. I attended only one class and determined that the program did not meet my expectations or requirements. I promptly requested cancellation of the program and a reversal of the associated loan. However, my request was denied by the school, citing internal policies, despite my minimal participation. Since then, I have made multiple attempts to resolve this issue with both XXXX XXXX and Climb Credit. The school has refused to issue a refund, and Climb Credit has stated that they can not take any action unless the school initiates a refund. This has left me in a situation where both parties are deflecting responsibility, with no clear resolution path. Additionally, I experienced delays and lack of transparency in communication. My requests for a management-level response were not addressed in a timely or substantive manner, and I received repeated generic responses instead of meaningful resolution. I believe this situation reflects a lack of transparency and fairness in both the program enrollment process and the associated loan origination. The loan was issued for a program that did not meet the representations made to me, and I was not provided with sufficient clarity to make an informed decision. Additionally, communication from both the parties was delayed and lacked transparency. My requests for management-level responses were not addressed meaningfully and I received repeated generic responses. I believe this situation reflects lack of transparency and fairness. The loan was issued for a program that did not meet the representations made to me.I am requesting a full cancellation of the loan and reversal of the charges associated with this program. I also request that any further billing activity be paused while this complaint is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MD

Complaint narrative:
At the time I didnt know it but someone hacked my email and replied to me, from what looked like the property manger I have been working with for 3+ years impersonating the person I had to make a payment to. I have previously paid them by check but XXXXXXXX XXXX ( turns out it wants her ) offered me a XXXX option, which I used trhrough my PNC bank app. They scammed into paying them via XXXX through from my PNC bank and now PNC will not reimburse my money. I made the one payment and then tried a second and thankfully that time XXXX flagged it as fraud but not until they already got XXXX XXXXXXXX from me. And now PNC has declined to cover it. I have scereenshots I can share.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AR

Complaint narrative:
A repayment was taken from my account through XXXX from a non-direct deposit, despite my understanding that repayment would occur with direct deposit. These funds were intended for essential bills, including utilities, and the withdrawal caused immediate financial hardship. I requested assistance and a hardship exception, but was denied and the chat was closed without resolution. I am requesting review and consideration for a refund or accommodation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: NJ

Complaint narrative:
In approximately XXXX, I made a purchase through XXXX using Klarna 's buy-now-pay-later service ( Order XXXX, XXXX Order # XXXX XXXX XXXXXXXX XXXX. The item was never delivered. I reported the non-delivery to Klarna immediately and disputed the balance, invoking Klarna 's own buyer protection policy, which states customers are not responsible for payment on undelivered items. Klarna opened case # XXXX but failed to resolve it for over two years. On XX/XX/XXXX, Klarna 's Resolution Specialist ( XXXX ) requested documentation. I responded the same day within hours confirming the entire order was missing, that my XXXX communications were by phone, that I could provide a police report, and that I was working to obtain the tracking number. Klarna sent a follow-up that same day claiming they had not received information, despite my prompt reply. On XX/XX/XXXX, I sent a formal written demand to XXXX requesting permanent removal of the balance and written confirmation of resolution within 7 business days. Klarna has not responded. The balance remains unresolved. I am requesting the CFPB compel Klarna to permanently remove this balance, confirm the account reflects {$0.00} owed, and provide written confirmation that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that the credit bureau immediately block and permanently remove a fraudulent account that was added to my credit report without my knowledge or authorization. This account is the direct result of identity theft and not any legitimate consumer transaction. I have provided a valid FTC Fraud Report ( Criminal Complaint # [ Private Case Number ] ) along with supporting documentation, including proof that my personal data was compromised in the XXXX data breach. The fraudulent account is XXXX XXXX ( Acct XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> with a reported balance of {$0.00}. I did not open or authorize this account and request its immediate block and permanent removal from my credit report pursuant to FCRA 605B. I am filing this FTC Identity Theft Affidavit to report one ( 1 ) fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a XXXX XXXX credit card ( Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/year> with a reported balance of {$0.00}. I did not open, authorize, or benefit from this account. The presence of this account has resulted in inaccurate reporting and potential fraudulent hard inquiries or collection activity appearing on my consumer FICO credit report. I demand that this fraudulent item be immediately removed from each of my consumer credit reports and that all collection activity related to this account cease pursuant to my rights under the FCRA and FDCPA laws. It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within four ( 4 ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NE

Complaint narrative:
Account Jefferson Capital System account # XXXX. I unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent the proper notification please provide certified mail with receipt displaying my signature. If not please delete account as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I am disputing multiple hard inquiries reported on my credit file that I did not authorize and for which no permissible purpose exists. I never provided written or verbal consent for these inquiries : XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX, making their presence a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, which requires a permissible purpose, and 15 U.S.C.1681e ( b ), which mandates maximum possible accuracy. The reporting of unauthorized inquiries is comparable to the violations addressed in XXXX v. TransUnion, where improper reporting without proper authorization was deemed unlawful. These inquiries are damaging my credit profile and financial standing. I am demanding that each unauthorized inquiry be immediately deleted, that a proper investigation under 1681i be conducted, and that I be provided with documentation demonstrating the alleged permissible purpose for each inquiry. If this matter is not corrected, it may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I request immediate CFPB intervention to ensure compliance and protect my consumer rights.

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 2026-04-07 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: Chime Financial Inc
State: NY

Complaint narrative:
COMPLAINT AGAINST : Chime Financial / XXXX XXXX XXXX XXXX XXXX I am a fraud victim. I was scammed out of {$2500.00} in total ( XXXX was used from my Chime account ) the remaining pn seperate bank account, through a gift card scheme on or around XX/XX/year>. I was deceived into purchasing gift cards at XXXX XXXX, XXXX XXXX, and XXXX XXXX. I did not authorize these transactions willingly I was manipulated through fraud. Here is exactly what Chime did : 1. I filed fraud disputes on XX/XX/year>. Chime denied all of them the same day with a generic email stating " no error occurred '' and no explanation. 2. I called to appeal. Chime reopened the claims and I provided my FTC report number. 3. Chime denied the claims again still with no specific explanation. 4. I called again and spoke with a supervisor. She agreed to reopen the claims and personally noted on my account that I would upload my official police report by XX/XX/year>, because I had not yet received it. 5. On the morning of XX/XX/year> before I had any opportunity to upload the police report as the supervisor promised Chime denied my claims again. They did not wait. They did not honor the supervisor 's commitment. I now have : - An official police report from XXXX XXXX Police Department - An FTC fraud report - Screenshots of all denied disputes in the Chime app - Documentation of the supervisor 's promise Chime has denied my claims multiple times with no real investigation, provided no specific reasoning, and broke a documented promise made by their own supervisor. This is bad faith and a violation of my rights under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Dispute Claim IDs : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Account Ending : XXXX Total Amount : XXXX I am requesting that the CFPB require Chime to conduct a proper investigation and refund the full amount I was deceived into purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I opened a XXXX merchant services account for my small business, but the service never functioned adequately for me. After my customers paid through the XXXX terminal, the funds were taking up to XXXX days to reach my bank account. This was not workable for a small business. I contacted the company numerous times by phone to report the issue and ask for assistance, but the problem was never properly resolved. Because the service was not functioning in a usable way, I switched to another payment processor, where my funds were deposited the next day. Since then, I have repeatedly tried to close my XXXX account and return the terminal. I have been attempting to do so for about XXXX year without success. The company is now trying to enforce a XXXX obligation of {$13.00} per month. I have already paid for XXXX months, yet they are still trying to collect the remaining balance even though the service did not work properly and I made repeated good-faith efforts to cancel and return the equipment. I am requesting immediate cancellation, written confirmation that the account is closed, acceptance of the terminal return, and removal of all remaining charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
Debt collector contacted me XX/XX/year>. During this call, I asked whether the company could provide proof or documentation of the debt. In response, the representative stated, " You should know what you signed '' and " You should have it '' and continued in a manner that I felt was antagonizing and dismissive of my request. I made it clear that I do not currently have access to any signed agreement between myself or the creditor which is why I asked if this is something they could provide. The representative even after telling him I did not have access. Insisted that " You should have it ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I disputed a purchase made on XXXX ( Order # XXXX, {$240.00}, XX/XX/year> ) after the merchant shipped me the wrong product. I ordered a XXXX XXXX dehumidifier ; the unit delivered was a XXXX XXXX with a manufacturer-labeled maximum capacity of XXXX pints per day a different, lower-capacity product representing a 20 % shortfall from what was advertised. I filed the dispute with Capital One ( XXXX # XXXX ) under the classification of merchandise not as described. In support of my claim, I submitted the following documentation : the original order confirmation showing the " XXXX pt. '' product title ; the manufacturer specification label on the physical unit confirming model XXXX at XXXX pints/day ; photographs of the original shipping box with XXXX printed on the exterior ; and a live chat transcript from XX/XX/year> in which a XXXX XXXXXXXX associate explicitly refused my return request, citing a XXXX policy for dehumidifiers. Despite this evidence, Capital One has repeatedly sided with the merchant and rebilled the {$240.00} charge to my account. This outcome is inconsistent with XXXX chargeback rules. Under XXXX Reason Code XXXX ( Cardholder Dispute Not as Described ), a merchant 's assertion that goods were " as described '' is rebutted when the cardholder provides physical evidence including the unit 's own specification label and original packaging showing the delivered item differs materially from what was sold. I have provided exactly that evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: MO

Complaint narrative:
I am disputing a debt being collected by Monterey Financial Services that I believe is inaccurate and has not been properly validated. In XX/XX/XXXX, I received written communication from the original creditor, XXXX, stating that a cancellation fee of {$640.00} was due. This fee was calculated based on discounts received minus payments made. The same communication also stated that the wellness plan was canceled due to a change in ownership, not at my request. I did not receive further follow-up communication at that time, as I was outside of the country. In XXXX, Monterey Financial Services began attempting to collect a balance of {$1100.00}, claiming it represents the remaining months of the plan. This directly contradicts the original creditors prior written statement regarding both the cancellation reason and the amount owed. I have disputed this debt and requested validation multiple times. However, the collection agency has failed to provide : * A copy of any signed agreement * The specific cancellation terms * An explanation for the discrepancy between {$640.00} and {$1100.00} * A clear itemized breakdown of the balance Additionally, the invoice provided by the collection agency references a patient named Bagel, which I do not recognize and do not own. The agency has not provided any documentation linking me to this account, raising concerns that the debt may be incorrectly attributed. Despite my dispute, the collection agency continues to assert that the full amount is owed without addressing these issues. I believe this is an attempt to collect an inaccurate and unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am formally disputing a collection balance of {$290.00} ( Original Creditor : XXXX XXXX ). Despite trying to resolve this for over a year, the collector ( Columbia Debt Recovery/Genesis ) refuses to acknowledge that these charges are illegal under XXXX State law ( RCW 59.18.280 ). Floor Damage ( {$150.00} ) : Their photo shows minor surface staining in a plant area. Keeping indoor plants is a standard residential activity. After a XXXX tenancy, this constitutes Normal Wear and Tear under RCW 59.18.280. Furthermore, the unit suffered documented building-wide pipe bursts and external leaks which compromised the floor 's integrity. XXXX XXXX ( {$120.00} ) : The landlords photo shows a structural sealant failure and water staining. Per RCW 59.18.060, the landlord is responsible for maintaining the " structural components including... ceilings. '' This is a maintenance issue, not tenant damage. Wall/Windowsill Repair ( {$30.00} ) : Minor scuffs after XXXX years of residency are legally defined as Normal Wear and Tear and are the landlord 's responsibility. Cleaning ( {$40.00} ) : I already paid a {$300.00} express cleaning fee ( see attached ledger ). Charging an additional fee is unsubstantiated double-billing. The collector has ignored my evidence and refuses to validate the debt accurately. I request that this account be closed and deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I never signed up for this debt my information was stolen from a previous address from my mailing box my identity was stolen and I didn't sign up or sign up for any credit cards, please close this account and stop contacting and take this off of my credit report, there is no proof of this debt it was stolen from me

Company response to consumer: Closed with explanation