vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Current constantly denies my valid disputes I provide strong documention to back up my claim and thet deny my case every single time. This is a Horrible bank!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: OH

Complaint narrative:
I am providing additional clarification regarding a payment made to Zwicker & Associates. On XX/XX/year>, a payment of {$1100.00} was withdrawn from my account, as shown in my bank transaction record. This transaction was authorized at the time under the clear understanding that the referenced account had already been paid off and resolved. However, despite this payment, a new balance has appeared again on the same account. This is extremely concerning and inconsistent with my understanding at the time of payment. To be clear : I authorized payment in good faith to resolve the account I was under the explicit understanding that this account had already been satisfied After payment, the account balance has reappeared without explanation At this point, the account history is unclear, inconsistent, and lacks transparency. I do not have any clear documentation explaining how this new balance was generated. Additionally, I am formally revoking any consent to telephone communication. I no longer accept phone calls regarding this matter. Due to repeated calls from multiple different phone numbers, I require that all future communication be conducted strictly in writing only. I am requesting : A complete and itemized account statement Full payment history, including how the {$1100.00} payment was applied A clear explanation of why a new balance has appeared after the account was paid Written correspondence only ( email and/or mail ) Until proper documentation is provided, I formally dispute the validity and accuracy of this balance. I expect a clear written response and full documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Inquiries followed XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX M & M CREDIT ( {$700.00} ) XXXX XXXX XXXX XXXX XXXX {$830.00} ) XXXX XXXX XXXX ( {$1900.00} ) Content of complaint The Cfpb has been filed pursuant of FCRA 605B ( 15 USC 1681C-2 ) requesting that you XXXX AND XXXX reporting agency immediately block and remove all information appearing on my consumer credit report that is the result of identity theft. This fraudlent and inaccurate information on my credit report includes personal collections and inquries listed above and balances

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, while I was asleep, my Android phone was physically taken and used to send {$680.00} ( Transaction ID : XXXX ) to XXXX XXXX XXXX via PayPal. The phone was unlocked using my fingerprint without my knowledge or consent while I was sleeping. I discovered the transaction the following day. I immediately filed an unauthorized activity dispute with PayPal. PayPal denied my claim, stating the transaction was " consistent with my PayPal transaction history. '' This reasoning is insufficient physical theft of a device and biometric bypass during sleep constitutes unauthorized access under the Electronic Fund Transfer Act ( EFTA ). I did not authorize this transaction in any way.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 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: Paypal Holdings, Inc
State: CT

Complaint narrative:
I am filing this complaint regarding PayPals handling of a dispute that resulted in an improper refund to a buyer and financial harm to my business. A buyer purchased merchandise from my company, and I shipped the order using a tracking number that I created and paid for. The tracking confirms delivery to the buyers address. The buyer made no attempt to contact me regarding any issue with the order and instead filed a dispute directly through PayPal. Had the buyer contacted me, I would have accepted a return and issued a refund in accordance with my return policy. PayPal ruled in favor of the buyer and issued a full refund, including the original shipping costs. However, the buyer never returned the merchandise. As a result, I no longer have the product and have also lost the full payment. The basis of PayPals decision appears to be a misinterpretation of tracking data. PayPal is citing the original outbound shipment tracking number as evidence that the item was returned to me. This is factually incorrect. The tracking number in question is the shipment I created to send the item to the buyer. The delivery confirmation clearly shows delivery to the buyers address, not to my business. There is no return tracking number and no evidence that the item was ever sent back. I have contacted PayPal multiple times and the case has been reopened several times, but the same error continues to occur. I have not been able to reach anyone in the disputes department capable of performing a proper manual review of the evidence. In addition to the loss of merchandise and refunded funds, PayPal retained approximately {$15.00} in transaction fees related to this order, further compounding the financial loss. This situation has resulted in a complete loss for my business due to PayPals failure to properly evaluate the facts of the case. I am requesting that PayPal conduct a proper manual review, verify the delivery address associated with the tracking number, correct the dispute outcome, and reimburse the improperly refunded funds and associated fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support 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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I contacted Comenity Bank regarding my XXXX XXXX card on XXXX XXXX to cancel an upcoming auto payment on XXXX XXXX in the amount of {$100.00}. I was told by the representative that that payment would be cancelled. The payment was not cancelled and I called on XXXX XXXX to advise of the error and the funds needed to be returned as this transaction made my account overdrawn due to my unemployment and no money coming in. I spoke with several representatives until I was transferred to a supervisor. The supervisor informed me that that they could pull the call but a different department handles the dispute and it would take XXXX to XXXX hours for resolution. I called on XX/XX/year> to check on the status and was then told it would take up to 90 days for it to be resolved. I spoke with XXXX different representatives who kept transferring me and not giving the same information in order for this matter to be resolved

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C.
State: AZ

Complaint narrative:
On approximately XX/XX/XXXX, I received a demand for payment of {$4700.00} from a debt collection firm acting on behalf of an insurance carrier for an alleged vehicle accident on XX/XX/XXXX. Upon requesting verification of this debt, the collection firm provided a " documentation package '' on XX/XX/XXXX, which contained demonstrably false and unrelated records to substantiate the claim : 1. Vehicle and Location Mismatch : The police report provided as " proof '' describes a hit-and-run at XXXX XXXX XXXX and XXXX XXXX XXXX a XXXX XXXX Sedan. My actual incident occurred at XXXX XXXX and XXXX XXXX and involved my XXXX XXXX. The collector is using records from an entirely different accident miles away to target me for payment. 2. State Record Contradiction : Official state records ( XXXX ) for the report provided by the collector list the driver of the responsible vehicle as " XXXX. '' Despite the state officially declaring the driver unknown and identifying the car as a XXXX, the collector is attempting to hold me liable. 3. Inconsistent Damage Claims : The collector 's repair estimate includes internal components ( radiator support, frame rails ) totaling nearly {$4800.00}. However, the insurance adjusters own digital photos show these components to be entirely intact. Furthermore, my own photos of the actual vehicles at the XXXX XXXX location show only minor cosmetic scuffs, making the {$4700.00} claim physically impossible and unsupported by the evidence. I have proactively notified the company of these discrepancies and provided photo evidence of the actual vehicles involved, but they have failed to correct the file or cease collection efforts. I am requesting that this invalid claim be closed and that the company be held accountable for using deceptive and mismatched documentation to collect an unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
My debit card was use unauthorized at a store I never used my card at because I lost my debit card I filed a police report uploaded the report and my claim was still denied i reached out multiple times to my bank about this issue but they still havent fixed it I just need help with getting my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I tried to access my USAA account and they told me my account was restricted due to them closing my account and not backing with me anymore. I talked to several customer service associates and no one could give me a reason for this closing. I was told a letter would be mailed out and as of today XX/XX/XXXX I have not received a letter. I cant access my account or even transfer my money to another account. They are saying I have to wait XXXX days ( XXXX whole months ) and they will send me a check for whatever funds are left in my account. Which then will still be another week to get to me. I was just paid and have a little over {$1400.00} in my account of my own money XXXX cant access. I do have rent and other bills to pay and waiting XXXX months is not feesable at all. I will be facing eviction in the next XXXX days if I dont pay my rent. I need access to my account asap. Its my money and I need it now.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Requested a 1099-C from Creditor on account ending in 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 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: SC

Complaint narrative:
Westlake Portfolio Recovery. Has Charged off account XXXX. This account is reporting as charged off on my credit report and they are still trying to collect via Mail and email. They will not send me a 1099c, for the cancellation of debt. My Contract with my signature was with XXXX XXXX XXXX XXXX, which is no longer in business, and this Account was paid to terms and paid off. I do not owe this debt, and Westlake have violated my consumer rights, by reporting these inaccuracies for several months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: FL

Complaint narrative:
XXXX offered a coding bootcamp that was work at your own pace. After signing up I quickly realized that the products they offered were misleading but was told that it was too late to refund the loan amount. They offered a computer program that never materialized. They offered classes that never materialized. They offered mentorship which never materialized. They offered a work program which never materialized. They offered many promises but delivered on none. After working at my own pace I completed less than 1/3 of the program only to find out that they shut down at the end of XXXX. It is now XXXX and I am still paying on a student loan for a school that no longer exists. The contract between XXXX and I was voided as soon as the services were no longer rendered, and the products and services they offered did not meet standards. They are a scam school. Now, after trying to get the loan refunded and dismissed, they are unable to be contacted, unable to have any questions answered, unable for anything to be done. This is another breach of the contract. The loan company told me that they are trying to get in contact with the school to recoup the losses but are unsuccessful. I have tried to contact them but have been unsuccessful. The attached contract is the only contract that was sent to me other than the contract from the loaner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I applied and received a card for a XXXX purchase on XXXX. I chose payments every XXXX weeks for XXXX weeks with no interest. The first payment of {$81.00} was to be due immediately and I agreed to that. I made the Affirm card for {$320.00} so that it was more than the purchase amount. When I processed the payment, XXXX informed me that the card ( Affirm card ) declined. But I was charged {$81.00} TWICE from Affirm, XXXX came right out of my checking account. When I called Affirm it took two phone calls to get an actual person on the line. I had to speak to an AI agent for several minutes first. When I got a person, they pretended not to hear me- but the AI agent was able to hear me just fine. I have used Affirm in the past but lately, issues like this have come up more frequently and I feel as if they have become more of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Exodus Movement, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Exodus regarding my inability to transfer cryptocurrency tokens that are already in my wallet. I am not trying to purchase additional tokens, swap into another token, or initiate a new speculative transaction. I am only trying to transfer tokens I already hold to another wallet address. When I attempt to send the token in Exodus on XXXX XXXX XXXX, the app displays warnings stating that the token has been identified as unsafe to send and that sending it could put my funds at risk. When I proceed, the transaction fails and Exodus shows XXXX Not Sent and directs me to contact support. I contacted Exodus XXXX for help. XXXX responded that the token was disabled in Exodus because it shares traits with tokens they identify as potentially malicious. XXXX also stated that if I want to access these tokens, they can guide me on how to do so using a third-party wallet. However, despite that statement, I have not been provided timely, specific, workable instructions for how to safely access and transfer the tokens I already hold. My complaint is not about wanting to buy more tokens. My complaint is that I am being blocked from transferring assets already held in my wallet, while the company has not provided a practical, timely method for me to move them elsewhere. This has caused delay, confusion, hardship, and concern about potential loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I was charged from XXXX {$400.00}. I was already charged for the items I purchased this was a random charge by XXXX. this has happened before XXXX has no information of this charge on this date. I was denied having this refunded after disputing the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
Automated calls to my home and place of employment. Several calls over past few weeks. I called back phone of XXXX reached person by name of XXXX XXXX. She said debt was from HSBC credit card in amount of {$3500.00}. Told me I had to pay or set up payment plan with her or I would be served. Refused to send documentation said was sent XX/XX/XXXX. Last payment to creditor was XX/XX/XXXX. Told her to have me served. This is not my debt I have never had a credit card from HSBC she said then someone else opened the card I had to pay if so that was fraud. This is not my debt this is scam call. She said her company is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint regarding an international money transfer issue involving XXXX, where the funds have not been credited to the beneficiary account due to a bank name error, and no resolution has been provided despite multiple follow-ups. Transaction Details : 1. Reference Number : XXXX Amount : XXXX XXXX ( AED XXXX ) XXXX. Reference Number : XXXX Amount : XXXX XXXX ( AED XXXX ) Issue Explanation : At the time of initiating the transfer, I mistakenly selected the beneficiary bank as Bank XXXX XXXX instead of the correct bank, which is XXXX XXXXXXXX XXXX As soon as I realized the error, I immediately contacted Remitly customer support and requested them to correct the bank details bef

Company response to consumer: Closed with explanation