vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NV

Complaint narrative:
On [ XXXX XXXX XXXX ], I reported an order I placed through XXXX  using Klarna that I never received. The total amount was XXXX and they tried charging me on XX/XX/XXXX for XXXX I provided all requested evidence, including order confirmation and tracking information, showing that the item was not delivered. 

Klarna initially paused the payment while reviewing my dispute, but later resumed it, stating they could not verify my evidence and instructed me to contact XXXX. I contacted XXXX, but they refused to provide a refund or replacement and could not provide proof of delivery. 

Despite following all requested steps and providing all documentation, I am being charged for merchandise I never received. I am requesting that Klarna cancel the remaining balance and resolve this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc.
State: PA

Complaint narrative:
In or around XXXXXXXX XXXX XXXX, I financed a jewelry chain through a merchant using American First Finance and XXXX XXXX. After reviewing the paperwork, I later discovered that the merchant ( XXXX XXXX XXXX - Manhatthan NY ) opened multiple financing agreements for a single chain, using different item descriptions. 
The merchant advised that additional financing was required to reach the total purchase amount and facilitated opening additional accounts using my mother and my partner, even though only one physical chain was provided. No separate or additional merchandise was received. 
I contacted the merchant shortly after the purchase to report that the chain was poor quality and not as represented. The merchant refused a refund or exchange. I then contacted both finance companies to dispute the transaction and request a resolution. 
XXXX later acknowledged the issue and indicated a return process, but this did not resolve the matter with the other finance company because only one chain existed. No coordinated resolution was provided, and billing continued despite the unresolved dispute. 
Because neither the merchant nor the finance companies provided a workable resolution, and I could not continue paying for a disputed item, I sold the chain in or around XX/XX/year> at a financial loss to mitigate further harm. 
I no longer possess the merchandise and can not return it. I am still being billed for financing tied to an item that was misrepresented, financed multiple times, and is no longer in my possession. The companies did not provide clear information or a reasonable resolution despite multiple attempts to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On Thursday, XXXX XXXX XXXX, I opened a suspicious envelope that was in a recently received pile of mail. The envelope appeared was from a company I had never heard of and appeared to contain a credit card statement. Upon opening the envelope, I discovered that it was, in fact, a credit card statement for an account I did not own, had never opened, and had never authorized to have opened. The statement was from a company called OnePay. The statement also had the name and logo of another company on it called Synchrony. i researched these names and came to determine that OnePay is a credit card company that is connected to XXXX. Synchrony is the bank that finances the credit card company. The statement included a full account number and account information. The balance was noted to be {$390.00} that included a past due amount of {$70.00}. The following information is a log of the steps I have taken thus far. 

- XX/XX/XXXX : Discovered bill from OnePay/Synchrony . Called phone number on the billing statement ( XXXX ), which belongs to Synchrony. Talked to a woman named XXXX, who initiated a fraud investigation and closed the account. The reference number for the call is XXXX. She said I would receive further information by mail. 

- XX/XX/XXXX : Called OnePay at a phone number from their website ( XXXX ). Spoke to a woman named XXXX, who flagged the account as fraudulent. The reference number for the call is XXXX. 

- XX/XX/XXXX : Called Synchrony and spoke with a woman named XXXX, who noted that the account had been closed the previous day, XX/XX/XXXX. I asked if she could tell when the account was opened, and she said it had been opened on XXXXXXXX XXXX XXXX. There was no reference number for this call, as she did not take any new action. She recommended reporting the fraud to the credit bureaus and my local police department. 

XXXX XXXX : Logged into my XXXX credit card account, through which I requested credit reports from the XXXX major credit bureaus. I could see from the XXXX credit summary screen that I had an additional account opened, and that it was delinquent. I viewed the TransUnion report, in which I could see an account ( which I had not opened ) at OnePay/Synchrony with a negative standing due to a missed payment. 

- XX/XX/XXXX : Called XXXX  to report the fraudulent account. Spoke with XXXX, who initiated an investigation and provided me with a file number. He instructed me to file a report at XXXX. 

- XX/XX/XXXX : Went to XXXX and was directed to ConsumerFinance.gov ( this website ). 

- I intend to report the incident to XXXX  and XXXX  and to my local police department.

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 2026-01-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I keep getting letters addressed to my dead parents XXXX and XXXX XXXX from Wells Fargo about an EquityLine my father apparently took out with Wells Fargo.

I called the number on one of the letters to tell WF that my parents are dead and the guy on the phone refused to speak to me.

He said that was the business of a different part of Wells Fargo. He said they were closed today. I wanted to talk today, not whenever they feel like it.

I called back and got a message that they were " in an all hands meeting. '' Probably a meeting about how to harass their dead customers ' children more.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I discovered recurring charges for XXXX that I did not authorize. 

There is no purchase record or agreement showing my consent. I notified Apple and provided documentation showing XXXX was not included at purchase. {$12.00} every month accumulated to {$260.00} for the year. Money was added to my phone purchase bill without my consent. I was charged {$61.00} instead of {$49.00} for 12 months Despite notice, Apple has continued to post these charges. 

I am requesting reversal of all unauthorized XXXX charges and confirmation that billing has permanently ceased. 

This constitutes unauthorized recurring billing under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
Dear Jefferson capital systems I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: UT

Complaint narrative:
I am writing to file a complaint regarding my Avant credit card account. I have been trying to negotiate a settlement on my account, but my efforts have been unsuccessful. 

I am currently several months past due on my account ( over XXXX months ). I contacted Avant with the intention of arranging a XXXX-time settlement, as I only have limited funds available to pay. I explained my situation, including that I have been without a full-time job, XXXX XXXX problems and am trying to stabilize my financial situation after experiencing homelessness last year. I want my life back. 

During my call today XX/XX/year> around XXXX ; XXXX XXXX, I was told I am on a payment plan, but when I requested to speak with a XXXX  or XXXX XXXX regarding a settlement, the XXXX informed me that I am not eligible for a settlement. I asked why I am not eligible, given that I am behind on payments, and asked when I might be eligible, but I was not provided a clear response. 

I also requested that Avant send me the information they were providing over the phone via email, so I could have it in writing. The XXXX said they could not send an email and that the phone call was being recorded, and I could request the recording. I believe this is important, as I need a clear record of what was communicated regarding my eligibility and options. 

I want to emphasize that I am willing and able to pay a lump sum if a settlement can be negotiated. I am not refusing to pay ; I am requesting a fair opportunity to resolve this debt. The fees and interest rates on my account are making it extremely difficult for me to pay and are preventing me from making progress toward financial stability, towards my life. 

I respectfully request that the CFPB investigate this matter and assist me in obtaining a reasonable settlement option and clear explanation from Avant regarding why my desire for settlement is being denied. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper is my mortgage servicer. My homeowners insurance claim arose from damage that occurred on XX/XX/XXXX. The insurance company denied the claim and made no payment, and I was later dropped by that insurer. I have since changed insurance companies twice. 

The claim was later resolved only through litigation, and the claim and case were formally closed on XX/XX/XXXX. This payment is a litigation settlement and reimbursement for past repairs, not insurance proceeds for future work. 

I began submitting required documents to Mr. Cooper on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper received my signed Attestation affidavit confirming that repairs were already completed. 

Despite this : Mr. Cooper has never deposited the check No Loss Draft escrow account was ever opened No partial funds were ever released I still physically hold the original settlement check The check has been returned to me twice claiming a missing endorsement, even though it was properly endorsed and sent with a certified letter confirming the endorsement from the XXXX XXXX XXXX XXXX XXXX XXXX later gave conflicting explanations, including stating they could not endorse any check over {$5000.00} They began improperly requiring multiple inspections at my expense and staged releases They are treating this as an open insurance claim, even though the loss occurred in XX/XX/XXXX, the claim was denied, no insurance payment was ever made, and the case was closed in litigation In addition, I paid out-of-pocket to send the check and supporting paperwork by XXXX  with certified documentation. Despite this, Mr. Cooper returned the check to me twice. I have now been instructed by their representatives to hold the check and not send it again, after I already incurred mailing costs due to their errors. 

I have been attempting to resolve this since XX/XX/XXXX through repeated calls, document uploads, supervisors, and the Resolution department. Different representatives provided inconsistent and incorrect information. 

My attorney sent a formal letter to Mr. Cooper on XX/XX/XXXX requesting immediate endorsement and release of the check. 

As of today, Mr. Cooper has withheld my settlement funds for over XXXX weeks with no legal basis. This prolonged delay has caused significant financial hardship. 

I am requesting that Mr. Cooper immediately correct the misclassification and endorse and release the settlement check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
To JP Morgan Chase XXXX, ( URGENT! Your branches maybe in trouble ) - bankers are still not reporting my royalties earned on XXXX, XXXX XXXX XXXX ; although, XXXX XXXX XXXX ticket shows proof that endorsements paid for my flight to XXXX XXXX  XXXX, XXXX. When I showed tha manager and other bankers in several different branches my ticket & a copy of an ATM receipt I have freom XXXX XXXX, XXXX for $ XXXX, at least, they denied it being royalties from XXXX . They owe me for XXXX payments for XX/XX/year> & XX/XX/year>, that didn't pay for flight from XXXX XXXX XXXX To XXXX XXXX  XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) -Same money with additional savings and checking accounts being open without my knowledge, still probably, today for over a year or more now! XXXX attorneys are worldwide and aware of the situation. Showed them this receipt as well from XXXX XXXX, XXXX and it was denied. Please, get in touch XXXX XXXX  XXXXsame matter only I never open any accounts with you! Done by hackers!! Close

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To : XXXX To Whom It May Concern, I am writing to formally dispute several accounts that appear on my credit report but do not belong to me. I have recently become a victim of identity theft, and these fraudulent accounts were opened without my knowledge, authorization, or consent.

These accounts are negatively affecting my credit standing, and I am urgently requesting a full investigation into each disputed item. I ask that these accounts be removed from my credit report immediately, as they are the result of criminal activity and do not reflect my financial history or behavior.

I have no knowledge of these accounts, and I did not open them. I am prepared to provide any documentation needed to support this dispute and assist in resolving the matter as quickly as possible.

Thank you for your prompt attention to this serious issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: SC

Complaint narrative:
My personal credit was used by these creditor without my consent to obtain credit cards and has placed numerous inquiries on my credit report causing significant lowering of my score and credit cards to be obtained and used to create fraudulent transactions. This was done fraudulently and without my consent the following companies and dates are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). i have contacted each of them companies informed them that these account are opened fraudulently as I'm covered under FDIC guidelines nothing was done except continue to get harassing calls about payment for something that im not responsible for no investigation or anything was done to follow up on any of this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: TN

Complaint narrative:
Dear Midland Credit Management I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
In XX/XX/year>, I financed a jewelry chain through a merchant using XXXX XXXX XXXX and Acima Leasing. After reviewing the paperwork, I later discovered that the merchant ( XXXX XXXX XXXX ) opened multiple financing agreements for a single chain, using different item descriptions. 
The merchant advised that additional financing was required to reach the total purchase amount and facilitated opening additional accounts using my mother and my partner, even though only XXXX physical chain was provided. No separate or additional merchandise was received. 
I contacted the merchant shortly after the purchase to report that the chain was poor quality and not as represented. The merchant refused a refund or exchange. I then contacted both finance companies to dispute the transaction and request a resolution.Acima later acknowledged the issue and indicated a return process, but this did not resolve the matter with the other finance company because only XXXX chain existed. No coordinated resolution was provided, and billing continued despite the unresolved dispute. 
Because neither the merchant nor the finance companies provided a workable resolution, and I could not continue paying for a disputed item, I sold the chain in or around XX/XX/year> at a financial loss to mitigate further harm. 
I no longer possess the merchandise and can not return it. I am still being billed for financing tied to an item that was misrepresented, financed multiple times, and is no longer in my possession. The companies did not provide clear information or a reasonable resolution despite multiple attempts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
On XX/XX/year>, I discovered a pending ACH debit from TitleMax that I did not authorize. I have never given TitleMax permission to autodraft my bank account, nor have I ever signed or verbally agreed to recurring electronic withdrawals. This ACH debit was initiated without my knowledge or consent. 

At XXXX XXXX, I contacted the store manager to ask who authorized the ACH withdrawal. The manager stated she did not know what the contract says and could not explain why the debit was initiated. She told me to contact corporate. When I contacted corporate, they attempted to redirect me back to the store. No one at TitleMax could provide proof of any ACH authorization. 

This unauthorized withdrawal occurred during a declared state of emergency. The funds taken were needed to purchase kerosene and gasoline to power lifesustaining medical equipment in my home. The unauthorized debit created a dangerous situation and caused significant hardship. 

TitleMax has not provided any documentation showing that I authorized recurring withdrawals, and no one has been able to explain why the ACH debit was initiated. I am requesting investigation into this unauthorized withdrawal and TitleMaxs failure to provide proof of authorization.

Company response to consumer: Closed with explanation