vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I am writing to make a formal complaint regarding the loans I was provided by Speedy Cash. At the time these loans were approved, I was experiencing financial difficulties and was unable to sustainably afford the repayments without borrowing again or falling behind on other financial commitments. I believe the lending was irresponsible because proper affordability checks were either not completed or were inadequate. The loans caused me significant financial hardship. I struggled to meet essential living expenses and had to rely on repeated borrowing and/or other forms of credit to manage repayments. I believe this should have indicated that the lending was unaffordable. I would like you to investigate my complaint and review all loans provided to me. In particular, I ask that you consider : Whether the loans were affordable based on my income and expenditure at the time and the pattern of repeat borrowing. Any indications of financial difficulty visible from my application history and bank activity I look forward to hearing from you. Kind regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I have a line of credit with a company called AFFIRM I use them often when I buy off a company named XXXX the process is easy you make a purchase by selecting one of the payment option at check out I like AFIRM because they give usually 3 options I always pick the 3rd option low payment, fexibility, you pay scheduled payment or pay off its up tothe purchaser lately.I have been authorizing 1 payment and AFFIRMS payment system have been taking out 2 this is a serious PROBLEM AFFIRM will send a 3 day notice you have a payment coming up in 3 days through email account. I always am cleaning out my emails that I dont need but anything that has to do with AFFIRM or payments I NEVER remove or delet this has happened before they did it again I only keep enough funds in my account to pay my payments with maybe {$20.00} extra. I go into my AFFIRM acccountby using my phone number then make a payment this I do mechanical I pick by filling out a empty space on loan making payment to then click make payment loans have different numbers. I make sure that my payment is correct and the balance drops the amount I made all this I have written down and I also take pictures as a added securty and proof.I paid off a loan of {$36.00} on the XX/XX/year> it was due XX/XX/year> my bank statements shows 2 payments being charged by AFFIRM I only authorized 1 this is causing problems can you get an investagation conducted on AFFIRM to why they are charging 2 payments when 1 was authorized hope to here from you hopeful AFFIRM wont block me from making future payment for reporting this matter the the CFPB but they might take it personal please help if you have any furture questions or conerns contact me at number listed or text for more information sincerely XXXX have a great day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account was compromised and the bank did the investigation determined that I am not the one who committed the violation yet they still closed my account. I recorded the phone call and Im sure Chime will send me verification but yes, my account was closed because someone who hacked my account violated something. Yet Im being punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I received a settlement offer from Capital One for a one time payment of {$690.00} to settle my account balance of {$1800.00} and paid the settlement amount on XX/XX/year> after submitting my payment on XX/XX/year>. After sending a dispute letter, my balance still shows the same and was then sold to a third party creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
I am filing this formal complaint regarding two alleged collection accounts reported in the amounts of {$1100.00} and {$870.00}. I formally dispute the validity, ownership, accuracy, and legal enforceability of these alleged debts. I believe the collection agency has violated my rights under federal law, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I allege violations of : Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The collection agency has failed to provide a clear and lawful itemization of the alleged debt, including : original account balance ; fees, interest, or collection charges added ; credits or payments applied ; and documentation showing how the alleged balances of {$1100.00} and {$870.00} were calculated. Without complete itemization, the balances can not be independently verified. Violation of 12 CFR 1006.34 ( b ) ( 5 ) The collection agency failed to provide proper notice of my dispute rights, including disclosures required under Regulation F regarding : my right to dispute the debt ; my right to request verification ; my right to request information regarding the original creditor. Violation of 12 CFR 1006.34 ( d ) The collection agency has failed to provide a compliant validation notice containing the disclosures and information required by federal law before attempting to collect or report the debt. Violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) The collection agency has furnished disputed, inaccurate, incomplete, and/or unverified information concerning these alleged debts to consumer reporting agencies, causing harm to my credit profile despite the debt being disputed. Demand for Validation and Proof of Legal Standing In addition to disputing these alleged debts, I formally request competent evidence that this collector has lawful authority to collect, including : a complete copy of the original signed contract or account agreement creating the debt ; a full payment and charge history from account opening through charge-off ; complete itemization supporting the balances claimed ; proof the debt was legally assigned or transferred ; a purchase agreement / bill of sale evidencing transfer of ownership rights from the original creditor to the collection agency ( or chain of title showing each assignment if transferred multiple times ) ; documentation specifically identifying my alleged account within that transfer ; proof the collector has legal standing to collect and report this debt. Absent proof of ownership and lawful authority, the collector has no verified basis to pursue collection activity or furnish information to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Notice several account that were not mine on my credit profile

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 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank AKA XXXX XXXX, couches were purchased in XXXX of XXXX. They were not the correct couches delivered. I returned the couch on XX/XX/year>, when the new ones were dropped off. I have filed a claim over 7 times with Synchrony Bank they have been denied each time. I have called over 20 plus times be into the store 12. My own rep who sold the couches has tried to help and I keep getting denied for {$1500.00}. I have NEVER owned this couch I am being wrongfully charged for. I have claim numbers from XXXX XXXX and my own. I need help and no ONE will help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Meta Payments Inc.
State: SC

Complaint narrative:
I am filing this complaint about MetaXXXX Payments disabling my creator payout account and preventing access to earned creator monetization payouts. This is not a content violation issue. My XXXX Account Status shows monetization is in good standing, my W9 is verified, and I updated my payout method to a personal bank account matching my information, but Meta still says my payout account failed vetting due to vague unusual activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the account listed under XXXX XXXX XXXX in the amount of {$480.00} and XXXX v XXXX XXXX for {$350.00}. I do not recognize this account and believe it may be the result of identity theft or fraudulent activity. I did not authorize this account, enter into any agreement related to this debt, or give permission for anyone to use my personal information for this purpose. I am requesting a full investigation into this matter and asking that the account be removed from my credit report if it can not be verified as legitimately belonging to me. Please provide all documentation bearing my signature, proof of authorization, account opening records, payment history, and any information used to validate this debt. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this account be marked as disputed during the investigation process. I also request written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
On XX/XX/2026, my vehicle was repossessed from my current residence. I contacted the loan company and was given the payoff amount and the date by which it had to be paid prior to auction. One week later, I received in the mail, at my current residence, a privacy notice. However, a Notice of Intent to Sell, which is required by law, was never received in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute the inaccurate repossession/charge-off information being reported for the account XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX. After reviewing my credit report, I believe there are inaccuracies regarding this account, including the payment history, balance, account status, and repossession reporting. I request that this account be fully investigated and verified for complete accuracy. Please provide documentation supporting the reporting of this account. If the information can not be properly verified, I respectfully request that it be corrected or removed from my credit file in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute the inaccurate repossession/charge-off information being reported for the account XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX. After reviewing my credit report, I believe there are inaccuracies regarding this account, including the payment history, balance, account status, and repossession reporting. I request that this account be fully investigated and verified for complete accuracy. Please provide documentation supporting the reporting of this account. If the information can not be properly verified, I respectfully request that it be corrected or removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2026-05-18 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: IL

Complaint narrative:
Someone linked my debit card to Cash App and drained my bank account off all my funds XX/XX/XXXX {$150.00} XX/XX/XXXX {$500.00} XX/XX/XXXX added {$200.00} XX/XX/XXXX added {$200.00} XX/XX/XXXX added {$100.00} XX/XX/XXXX added {$100.00} XX/XX/XXXX added {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TX

Complaint narrative:
I am writing to dispute an inquiry that recently appeared on my credit report. I want to be very clear : I never authorized this inquiry, nor did I give anyone consent to access my credit file. I have no relationship with the company that initiated it, and I never signed, approved, or otherwise permitted a credit check of any kind. This unauthorized access is not only a violation of my privacy, but it has also caused me unnecessary concern about the security of my personal information. Allowing an inquiry to remain on my report when there was no permissible purpose misrepresents my credit history and could unfairly affect my score.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this formal complaint following a failed dispute process. The previous decision was incorrect as it failed to account for both a significant quantity discrepancy and the fact that the delivered goods were damaged. The Facts of the Case : Quantity Discrepancy : I ordered and paid for 6 units ( as shown on the attached invoice ). However, only 1 unit was delivered. Damaged Condition : To make matters worse, the single unit that was delivered arrived broken and unusable. Total Loss : Currently, I have received 0 % of the value of my purchase. I am missing 5 units entirely, and the 6th unit is damaged. Failure of Dispute Process : The case was previously closed under the claim that the item wasn't " damaged or different. '' This is factually incorrect on two levels : 1. It is " different '' because 83 % of the order is missing ( 1 unit instead of 6 ). 2. It is " damaged '' because the sole item received is broken. The company has ignored the photographic evidence of the broken item and the invoice proving the missing quantity. This is a clear breach of the sales contract and consumer protection policies. Requested Resolution : Due to the fact that I received only one-sixth of my order and even that single item is broken, I am requesting a Full Refund of the entire transaction amount. Evidence Attached : 1. Order Invoice clearly showing the " x6 '' quantity. 2. Photos of the single, broken item received. 3. Photos of the packaging showing no other items were included. I request a manual review of this case to correct this financial injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year> I submitted an order to XXXX XXXX to transfer a number. On the website XXXX gave me an ok that the number was approved to be ported over. Once I paid, the issues began. I was given a temporary number and told the number was unable to be ported in. I spoke to the reps as well as a manager and they refused refund. I filed a dispute with my bank Wells Fargo who denied my dispute even though I never used the service with XXXX and provided proof that I was still with another carrier.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
BMO Bank N.A . is wrongfully withholding {$1400.00} of my funds on an active, open credit card account.On XX/XX/year>, BMO issued a refund check for {$1400.00} due to a credit balance. I deposited this check into my XXXX XXXX account on XX/XX/year>. The check bounced entirely due to a BMO processing error, returned as a " Returned Deposit Item. '' Because of BMO 's failed check, XXXX will penalize me with a {$36.00} returned check fee on the next cycle date. My BMO credit card balance is currently XXXX, meaning BMO is holding my money and refuses to pay it out. I have contacted BMO credit card supervisors multiple times. They are unhelpful and are making the legally absurd demand that I must physically travel to a BMO branch location to cash their bad check, while flatly refusing to issue a standard electronic ACH deposit to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I mobile deposited a check on XX/XX/year> from XXXX & XXXX XXXX for {$1100.00}. It never went through. On XX/XX/year>. I called Truist Banks customer service line. They said it was being withheld and would be available on XX/XX/XXXX. On XX/XX/year> I went to the Truist Bank located at XXXX XXXX XXXX XXXX, XXXX XXXX PA XXXX. To find out why my founds were not available. The teller told me that the expiration date for the hold was today XX/XX/year> and her best guess is that the founds would be available tomorrow XX/XX/year>. She also said that I was told when I deposited the check that it would be withheld. I was in fact not informed of any hold until XXXX XXXX when I called the customer service line. They are refusing to make my funds available. My best guess is not good enough for an answer from a bank.

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 2026-05-18 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: NC

Complaint narrative:
On XXXX XXXX I purchased a XXXX XXXX ticket using my Cash App card for a total of {$260.00} On XX/XX/year>, XXXX XXXX completely ceased all global operations, shut down, and permanently canceled all scheduled flights. Because the merchant went out of business, the services I paid for were never rendered, and it is legally impossible for XXXX XXXX to fulfill the contract or provide the flight. According to federal consumer protection guidelines and Regulation E, I am entitled to a refund for a billing error regarding services not received. I filed a formal dispute with Cash App regarding this transaction. Cash App denied my initial dispute. I then went through their formal channels and filed a ticket to appeal this decision, providing clear context that the merchant is entirely defunct. Cash App summarily denied my appeal as well, refusing to return my money or properly investigate the merchant 's total liquidation. Cash App has failed in its regulatory obligation to protect my consumer funds against a clear billing error where services were not rendered. I am asking the CFPB to require Cash App to reverse this charge and return my money.

Company response to consumer: Closed with explanation