vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Description of the problem : 1. As per XXXX XXXX statement Billing Period : XXXX ( see attached XXXX section Interest charge calculation ) there are two owed amounts, amounts A ) {$4400.00}, expiration date XX/XX/XXXX, interest rate before expiration date 0 %, interest rate after expiration date 24.24 %. And the amount B ) $ {$4800.00} with interest rate of 0.99 % before expiration date of XX/XX/XXXX. 
XXXX. As per the XXXX XXXX Statement Billing Period : XXXX, I made a payment for {$4500.00} dlls on XX/XX/XXXX ( see attached XXXX section Payments, Credits and Adjustments ), payment to be applied at first to the amount of {$4300.00} with higher interest 24.24 % ( as context, the 0 % rate was expired on XX/XX/XXXX so by XX/XX/XXXX the new rate is 24.24 % ). 
XXXX. As per Credit CARD XXXX of XXXX ( section XXXX ( b ) ( XXXX ), payment allocation rules. Any payment MUST be applied first to the balance with the highest XXXX. In my case : - On XX/XX/XXXX, the 0 % promo had already expired ( as of XX/XX/XXXX ), so that the {$4400.00} balance ( specified as XXXX XXXX above ) was now at the regular rate of 24.24 %. - The amount B, {$4800.00} continues as promo balance with the 1 % interest rate until XX/XX/XXXX. So the law required the issuer to apply my {$4500.00} payment from XX/XX/XXXX at first to the balance with interest rate of 24.24 % ( the 0 % had already expired on XX/XX/XXXX and now the interest rate is 24.24 % ). My payment of {$4500.00} on XX/XX/XXXX was wrongly applied to the still-active 1 % -interest rate balance, in other words, Citi applied my payment to the lower-rate promo instead so is certainly a violation of the CARD Act rules 4. I filed a claim to Citi, however they answered through a letter ( see attached Citi_denial_letter.pdf ) that : Please note that payment amounts greater than the minimum due are applied to balances with higher APRs before balances with lower rates, denying my claim, however, as they stated on their letter, by XX/XX/XXXX, the higher rate balance was the balance with 24.24 % XXXX and they wrongly applied to the balance with 0.99 % 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 explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I had 3 payments taken out of my account before this happened I explained to cash app that one of my 4 bags that one being the smallest bag had my phone in it and it had my information in this bag as well such as a note pad with various pins and that's how the thief sent these payments off I tried to explain to cash app but long story short is they gave me only XXXX out of the unauthorized transactions after I explained the situation and all XXXX transactions were sent to the same person but cash app only gave me XXXX out of the transactions back the ones they gave me were which was unauthorized was for XXXX on XX/XX/year> another unauthorized amount for XXXX on XX/XX/XXXX at XXXX XXXX  but the last transaction they did not give me back was the last one to the same thief for the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
My house was foreclosed without prejudice or any debt by M & T bank, as is evident by enclosed credit copy. Later I noticed a {$130.00}, XXXX debt reported by a company called XXXX XXXX who claimed to be reporting on the behalf of the bank. I called the bank because I received no notice of this debt collection or it's reporting to the credit bureau. The bank said to call their XXXX department XXXX to see if they reported the foreclosure as a collection debt, XXXX said they did not. The bank told me to call their lawyer : XXXX XXXX XXXX XXXX to ask if they reported a debt collection to the credit bureau, lawyer said they did not report anything to the credit bureau to call bank.I called the bank again to send me a copy ( digital or hard copy ) of the reporting of this debt to the credit bureau, the bank refused, said they are banking to go back to their lawyer.

All I know is that the bank foreclosed on the property with XXXX balance and now there's a mysterious {$130000.00} being reported on my credit bureaus. Please help me remove this report from my credit report and/or at least get a copy of what the bank sent to the credit bureau .

Thank you.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I've been paying on this since I believe XXXX. I can't review past statements before XXXX. They are charging me 40 % interest and I literally haven't gotten less than {$200.00} less than the original charge! I'll never be able to pay it off with this incredible high interest! Then they lowered my credit so with interest next month I will go over

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 2026-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am writing to report that Affirm is refusing to provide a sustainable long-term hardship solution despite my documented inability to pay. My monthly income is {$2900.00} and my rent is {$1000.00}. My current Affirm payments total $ XXXX  monthly, which is over 32 % of my income and mathematically impossible to maintain alongside basic living expenses. 
On XX/XX/2026, I contacted Affirm via phone and chat to request a long-term Financial Hardship Arrangement. I specifically asked to restructure my total balance into a single $ XXXX  monthly payment over a 24-30 month term.

Despite Affirm 's policy of offering tailored solutions, the manager refused any long-term restructure. They only offered a 30-day payment pause, which does not address my long-term financial reality.

I am acting in good faith to avoid default and have already successfully secured similar long-term repayment plans with other creditors ( like XXXX ). 
I am requesting the CFPB 's assistance in requiring Affirm to provide a realistic, long-term repayment solution of {$290.00} per month to avoid unnecessary default.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
On XX/XX/26 I called LVNV funding LLC about a collection that they put on my credit report and they told me I had to pay a fee so they could tell me why they put whatever it is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My card was frozen for unusual activity. And then received a letter in the mail telling me to send over some forms the fax which I did. They said it should be sent before XX/XX/year> and I sent it in XX/XX/year>. Now theyre saying that they never received that fax even though I have a receipt that it went through and theyre telling me that that was the wrong fax number. But Im only going by the number and the date that was on the form that they gave me so I did everything that they asked and now my account is gon na be closed and this is going to affect my credit score. They wont even tell me what unusual activity was found. When I called, nobody can give me an answer. They all sound clueless and they keep saying that they dont have access to that knowledge.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX RE : FORMAL DISPUTE & DEMAND FOR DEBT VALIDATION ACCOUNT # : XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced account pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act and 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act. 

I dispute the accuracy, ownership, and legal enforceability of this alleged debt. I am requesting strict proof, not summaries, screenshots, or internal account notes. 

To comply with federal law, you must provide ALL of the following documentation : 1. The assignment contract or full chain of assignment, including every transfer of ownership from the original creditor to your company.

2. A bill of sale from the original creditor that specifically identifies my account by name and account number.

3. Account-level documentation, including the original signed contract or agreement, billing statements, and charge-off details establishing my legal obligation.

4. Proof of your licensing and bonding authorizing your company to collect consumer debts in the Commonwealth of Pennsylvania.

5. A complete breakdown of how the alleged balance was calculated, including principal, interest, fees, and the contractual authority for each amount. 

Be advised that under 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until proper validation is provided. Courts have consistently held that credit reporting and verification constitute collection activity. 

Further, continuing to furnish or verify this account with consumer reporting agencies without the documentation listed above constitutes a failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ).

If you are unable to provide all five validation elements, you are required to immediately request deletion of this account from Experian, Equifax, and TransUnion.

Failure to comply will be considered willful noncompliance, subjecting your company to civil liability, statutory damages, attorneys fees, and costs under 15 U.S.C. 1692k and 1681n.

This letter is sent without prejudice and all rights are reserved. 

WITHOUT PREJUDICE XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Information Management Corporation
State: WY

Complaint narrative:
On XX/XX/XXXX the debt, {$1000.00}, was garnished from my bank account at XXXX XXXX. On XX/XX/XXXX. The same debt, {$1000.00}, was garnished from a separate account at XXXX XXXX XXXX. When I called the collection agency to ask where to get the overpayment, I was told it was not their problem and I " should learn to pay my bills ''. This debt is over XXXX XXXX XXXX. When I was served, I called to set up a settlement. I let the deadline pass and when I called to see if I could come pay it, they refused to honor settlement amount and wanted debt paid in full. I told them I couldn't pay that at the time and it would take me a couple months. I agree I owe the debt and was ok with the collection company taking the first garnishment. I was not prepared for the second garnishment ( after it was already paid ). Both banks charged me a {$120.00} to process garnishment. I believe the phone call I had with the XXXX, XXXX XXXX, was completely unprofessional, derogatory and harassing. They left me with no path to take as far as recovering my money. I was told to go to the court house and figure it out myself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
On XX/XX/year> I sent Exeter Finance a lawful tender of payment presentment in the form of a negotiable instrument per UCC guidelines to discharge an obligation via registered mail. After 30 days of none response I sent a notice of dishonor and requested the return of my instrument if it was not going to be accepted. Exeter Finance then responded stating I signed a contract to repay the obligation and provided me a copy of the car loan contract which showed the purchase price and my financing credits for the purchase and also stated the original creditor for the loan was XXXX XXXX and not Exeter Finance who is currently collecting on the loan. Also, they still did not return my original instrument I presented them so proceeded to send Exeter Finance a notice of default and opportunity to cure. After 30 days they still have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: AL

Complaint narrative:
Re : Lendmark Financial Services Inaccurate Credit Reporting I am disputing Lendmark Financial Services reporting of the account listed on my credit report. I previously requested validation and accurate verification of this debt, yet Lendmark continues to report negative information without providing proper documentation proving the accuracy of the balance, payment history, and my legal responsibility. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must investigate disputes and report only information that is complete and accurate. Lendmark has failed to meet this obligation. 

I am requesting that CFPB require Lendmark to either provide full, competent verification or delete this account from all credit reporting agencies immediately. 

This continued reporting is causing financial harm and is not legally supported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint because Chase failed to properly investigate and resolve a credit card dispute for services not rendered. 

I paid {$240.00} for a transportation service booked through XXXX. On the scheduled date and time, the merchant never arrived and no pickup occurred. I was present at the agreed location, never entered a vehicle, and never received the service. 

I provided Chase with screenshots of XXXX messages from the merchant explicitly admitting that no pickup occurred. Despite this written admission, the merchant submitted false or misleading documentation claiming the service was rendered, and Chase improperly relied on it. 

Chase failed to require proof of service delivery such as GPS records, pickup confirmation, timestamps, or signatures. This is a clear case of services not rendered, not a cancellation or no-show. 

Any alleged requirement to confirm the service the day prior was not disclosed at the time of purchase and does not excuse the merchants failure to perform. Pre-paying in full for services is valid confirmation to use services that were never rendered. 

I am requesting that Chase conduct a proper second-level review, reverse the charge, and issue a full credit of {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
Subject : Unverified Debt and Improper Credit Reporting Caine & Weiner is reporting a collection account [ Acct # XXXX ] without providing proper validation after dispute. They have not proven the amount owed, ownership of the debt, or agreement bearing my signature. 

This violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Reporting a debt that can not be validated is unlawful. 

Since Caine & Weiner can not verify this account, I am requesting that the CFPB require deletion of this collection from all consumer reporting agencies and that collection activity cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Subject : Inaccurate and Unverifiable Medical Financing Account Spring Oak Capital is reporting account [ Acct # XXXX ] that I dispute as inaccurate. No valid contract, itemized billing, or proof of obligation has been provided despite dispute. 

Without proper documentation, this account is being reported in violation of federal credit reporting laws. Continued reporting is causing financial harm. 

Because Spring Oak Capital can not validate this account with original records, I am requesting complete deletion from all credit bureaus and confirmation that this matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
A well Fargo auto was open fraudulently and I have multiple inquiries XXXX in counting on my XXXX  XXXX I am a victim of identity theft my purse was stolen I also have a police report supporting my claim

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: FL

Complaint narrative:
I received a debt collection letter from Asset Recovery Solutions stating they are attempting to collect an alleged debt owed for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT with XXXX XXXX in the amount of {$4400.00} ( Account XXXX ). Per my legal counsel, I dispute this alleged debt in its entirety. This account is not mine. I did not open, authorize, or benefit from this account associated with the referenced account number, and I do not owe the amount claimed. I sent a request already surrounding this debt to the company and was met with no response. I am requesting that Asset Recovery Solutions immediately cease collection efforts directed to me and correct their records to reflect that this is not my account. I also request written confirmation that my personal information has been removed from their collection file for this account and that I will not be contacted again regarding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I NOTICED A PAYMENT TO XXXX WAS MAde for the amount of {$190.00} using my bank account card that I didnt make nor authorize filled a disputed claim with the bank I was credited the {$190.00} back to my account but few weeks after the bank revise that payment overdrafting my account and told me that their conclusion was that I did make those charges because they got a hold of XXXX and the name match my name along with my email address but not the phone number nor the address they had in fille so I said that if my address a phone number did t much then that show is fraud because I didnt makes those charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citi bank has my bank accounts frozen for almost a month now. They sent me two different letters with verification codes and both times told me it wasnt it and the first time told me I had to wait again for another verification code .. they refuse to open my accounts and give me my money.. I have the verification code here with me and was told that wasnt the code and there is another code on the letter that is XXXX digits. There is no XXXX digit code.. I need access to my bank and funds. Im self employed and havent been able to work because they have my accounts frozen. Please help thank you, XXXX 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