vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westcreek Financial
State: FL

Complaint narrative:
On XX/XX/year>2026, I brought my vehicle to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, FL XXXX, for repairs totaling {$3500.00}. Because I was unable to pay the full amount upfront, I was directed to finance the repair through Koalafi, a lease-to-own financing company, with the understanding that my vehicle would be fully repaired. However, when I returned to pick up my vehicle, it was in the same condition as when I dropped it off. The repairs were never completed. Despite this, I have already made payments totaling {$1500.00} toward a lease for services that were never rendered. I am formally requesting : XXXX. A full refund of all payments made to date ( {$1500.00} ). XXXX. Immediate cancellation of my Koalafi financing agreement, as the merchant failed to deliver the services for which the financing was arranged. XXXX. Cessation of any further billing or collection activity related to this account. This situation has caused me significant financial hardship and emotional distress. I am currently carrying a {$23000.00} loan on my vehicle, which remains unrepaired, placing me in an extremely difficult position. I expect this matter to be resolved promptly. If it is not, I am prepared to file a formal complaint with the Florida Department XXXX XXXX and XXXX XXXX, the Consumer Financial Protection Bureau, and pursue legal action in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I filed a dispute including 100+ transactions that took place between XX/XX/year> and XX/XX/year>. I included documentation from XXXX XXXX XXXX showing intake and release paperwork for the time I was XXXX, a police report stating that I had my phone stolen about a week before then and I was only approved for about 35 maybe 40 of the transactions Im unsure how the same documentation was used throughout the entire claim but its been decided that my documents were insufficient enough for XXXX of the case

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 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: Equity Sales Finance, Inc.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the Equity Sales Finance , Inc. account currently being reported on my credit file. This account relates to a financed agreement for IRS tax relief services entered into on XX/XX/year> through XXXX XXXX XXXX The financed amount was {$18000.00} at a 20.99 % APR, with a total repayment obligation of {$24000.00}. The underlying services connected to this account remain disputed due to failure to perform services and misrepresentation tied to the original agreement. Specifically : * No documentation has been provided showing IRS filings, negotiations, or communications allegedly performed on my behalf. * My IRS balance remains unresolved and unchanged. * XXXX XXXX XXXX verified the account with the credit bureaus while simultaneously stating in writing that it does not possess the underlying service documentation I repeatedly requested. * The seller, XXXX XXXX XXXX, has failed to provide supporting documentation despite multiple requests. * My written dispute sent to the seller at the address listed in the contract was returned as undeliverable / unable to forward. * I also received voicemail communications from a representative associated with the seller that raised additional concerns regarding the status and legitimacy of the alleged services. I previously filed a complaint with the Consumer Financial Protection Bureau regarding this matter. During that process, XXXX XXXX XXXX stated it relied on information provided by the seller but did not provide documentation supporting the alleged services or the delinquent reporting. Despite the ongoing unresolved dispute and lack of supporting documentation, delinquent reporting has now appeared on my credit reports and caused significant damage to my credit profile. I am requesting : * a full reinvestigation of this account, * verification of the information being reported, * verification of the basis for the delinquency, * and correction or removal of any inaccurate or unsupported reporting associated with this account. This account remains formally disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am filing this complaint against IC System for reporting a fraudulent collection account on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). IC System is reporting an unauthorized collection account of {$65.00} opened in XX/XX/XXXX that I did not open, authorize, or have any knowledge of. This account was opened fraudulently in my name without my consent. I wish to bring to the Bureaus attention the following aggravating factors : First, I have a documented and proven history of identity theft. I have previously prevailed in a formal fraud dispute against XXXX XXXX for unauthorized accounts opened in my name, establishing a clear and verified pattern of identity theft targeting my consumer profile. Second, my bankruptcy case was officially discharged in XX/XX/XXXX. Following my discharge I did not open, authorize, or electronically sign any new credit agreements. Any account opened in my name after XX/XX/XXXX is unauthorized and fraudulent. IC Systems account opened in XX/XX/XXXX falls directly within this window. Third, IC System has continued to report this fraudulent account despite having no permissible basis to collect or report this debt against me, causing direct and measurable harm to my credit score and financial standing. IC Systems actions constitute a violation of FCRA Section 605B regarding identity theft, FDCPA Section 807 regarding false and misleading representations, and FDCPA Section 809 regarding failure to properly validate this debt upon my request. I am requesting that the Bureau compel IC System to immediately remove this account from all consumer reporting agencies, cease all collection activity, and provide written confirmation of such removal. I am also requesting a formal investigation into IC Systems reporting practices. I have supporting documentation available including my identity theft report, my XXXX fraud case disposition, and my bankruptcy discharge dated XX/XX/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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I received a notification from that money was stolen and transferred in the amount of XXXXXXXX XXXX from my Wells Fargo account while I was working on the floor XX/XX/year> 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 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
My payment for XXXX is being reported as 30 days late. It is 3 days late. It is reporting inaccurate information. According to the fair credit act it has to be reported accurately it is not.The amount owed is incorrect its less than being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I've been a faithful user of cash app and the more features they started offering the more I started to like it and use it I thought I was a great customer to them I recently was in a car accident and I received a large check will cash at promotes that they give you savings with interest so I deposited that large check into that savings and I'm thinking for some reason that flagged my account but I've loved cash app and I wish that they would let me explain myself or at least look to see that I have never done anything wrong and I've used them and even promoted them I wish that they would just give me somebody I can talk to that will help me resolve whatever miscommunication or accidental closure. Because I truly did not do anything wrong then breaks my heart to not have my favorite banking app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Volvo Car Financial Services U.S., LLC
State: TX

Complaint narrative:
Volvo debt is not valid for " wear and tear '' All payments made on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a fraudulent email impersonating Crypto.com stating my account phone number was being changed to XXXX ( XXXX ) XXXX. The email directed me to call XXXX. I called that number and the caller obtained my personal identifying information including my government ID and Social Security number during a XXXX call. I contacted Crypto.com via chat.crypto.com and their support confirmed they have no phone service and that I was scammed. I provided proof of an existing account via a XX/XX/XXXX email sent from hello @ crypto.com to my address. Crypto.com refused to escalate my case, failed to provide a case number, failed to investigate, and stopped responding entirely. I have a full chat transcript documenting their failure to act. FTC Identity Theft Report and FBI XXXX complaint have been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am writing to file a formal complaint regarding the improper freezing and continued withholding of my Social Security retirement benefits in two checking accounts I hold with Wells Fargo. I no longer wish to be a customer of Wells Fargo and demand the immediate resolution of this matter. I maintain two separate checking accounts : Account # 1 Used for trading on several platforms Account # 2 Used exclusively for my monthly Social Security retirement direct deposits In early XX/XX/year>, I was notified by email that both accounts would be closed due to an alleged unauthorized wire transfer into Account # 1 on XX/XX/year>. Both accounts were immediately placed on hold, preventing all access. The accounts were originally scheduled to close on XX/XX/year>. Upon receiving this notice, I promptly contacted the Social Security Administration ( SSA ) and changed my direct deposit to a different bank, effective XX/XX/year>. The SSA advised that any deposits sent to Wells Fargo before that date would be declined and returned if the accounts were restricted or closed. Wells Fargo has failed to do this. Instead, the bank has withheld two of my Social Security retirement checks. The bank has also repeatedly delayed the account closure date, with the latest date now set for XX/XX/year>. This has created severe financial hardship, as these funds are my sole source of retirement income. I demand the following immediate actions : Release both withheld Social Security retirement deposits to me immediately via direct deposit, ACH transfer, or check. OR, if the funds can not be released to me right away, return both Social Security payments to the SSA without further delay. Proceed with the permanent closure of both accounts as soon as possible, as I do not wish to remain a Wells Fargo customer. Provide a written confirmation of the account closure and a full accounting of all activity on both accounts. I expect this matter to be resolved and the Social Security funds either released to me or returned to the SSA within 5 business days of receipt of this letter. If Wells Fargo does not comply promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Social Security Administration, and my state banking regulator, and I will pursue all available remedies for the improper withholding of federal retirement benefits. Thank you for your urgent attention. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXX, VA XXXX Re : Account opened on XX/XX/XXXX XXXX Alleged Debt Amount : {$2900.00} To Whom It May Concern : I am writing regarding your attempts to collect an alleged debt in the amount of {$2900.00}. I dispute this debt in its entirety and have no knowledge of the account you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide validation of this alleged debt, including : * The name and address of the original creditor; * The original account number; * Documentation showing that I am legally responsible for this debt; * A complete payment history and accounting of the amount claimed ; * Proof that Portfolio Recovery Associates has the legal authority to collect on this account. Until you provide the requested validation, I demand that you cease all collection activities related to this account. Additionally, if this account is being reported to any credit reporting agency, I request that it be marked as disputed immediately. If you are unable to provide adequate validation, I request that this account be removed from your records and that all collection efforts cease permanently. Furthermore, I request that all future communications regarding this matter be made in writing only. This letter is not an acknowledgment of liability, nor is it a promise to pay. I reserve all rights and remedies available to me under federal and state law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am filing a formal dispute regarding a billing error under Regulation Z. On XX/XX/2026, I used Affirm to book lodging via XXXX ( Booking # XXXX ) for a total of {$590.00} ( pp. 1-2 ). The web page on XXXX stated " You won't be charged yet '', which led me to believe there was flexibility for payment. I canceled the reservation exactly 10 minutes later due to an error. Affirm is currently allowing the merchant to charge me {$510.00} as an alleged " cancellation fee. " I have provided Affirm with the official transaction receipt issued by XXXX. This receipt completely lacks any text, terms, or disclosures stating that the booking was non-refundable or subject to a {$510.00} penalty ( pp. 1-2 ). Affirm closed my dispute in the merchant 's favor by claiming the merchant " acted within their policies. '' Affirm has failed to conduct a reasonable investigation by completely ignoring the fact that the actual contract/receipt provided to me at the time of purchase contains no such fee disclosure ( pp. 1-2 ). I demand that Affirm reverse this unauthorized {$510.00} charge immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Sezzle Inc.
State: PA

Complaint narrative:
I used Sezzle, which is a " pay in XXXX '' company to order an item in XXXX that never came. The wrong product was sent so I opened a dispute with the merchant and they were non responsive, so I opened the dispute with Sezzle - and they immediately closed my dispute after asking me for information, which I provided right away. It is now the end of XXXX and Sezzle has yet to even attempt to resolve this matter. XXXX dispute requests have now been closed without any resolution and they are STILL trying to charge me for the wrong item PLUS " late fees '' - they never paused my account during the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate, disputed, and unverifiable information that is causing significant harm to my credit profile. Incorrect Personal Information My credit report contains multiple inaccurate and misspelled name variations that do not reflect my legal identity, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request removal of all inaccurate name variations and retention of only my correct legal name and legitimate name variations. Disputed Accounts XXXX XXXX XXXX This account is currently disputed. I was presented financing terms substantially different from those ultimately reported. I was led to believe I was financing approximately {$15000.00} ; however, the account was opened and reported at approximately {$24000.00}. I have filed an FTC complaint and a police report regarding this matter. I dispute the accuracy of the account, the amount financed, the handling of my down payment, and the reporting of the account. XXXX XXXX XXXX This account is being reviewed due to issues involving XXXX insurance coverage following a total-loss vehicle claim. I dispute the accuracy of the remaining balance being reported until a complete accounting of the insurance and XXXX payments is provided. XXXX XXXX XXXX XXXX XXXX I do not recognize this debt. I have not maintained XXXX service since approximately 2015. I request verification of the original account, service address, date of first delinquency, and documentation proving I am responsible for this debt. XXXX XXXX XXXX XXXX I request verification of this account, including original creditor documentation and proof that I am responsible for the alleged debt. XXXX XXXX XXXX I dispute this account and request complete verification of the debt and supporting documentation. XXXX XXXX I dispute this charge-off account and request verification of the balance, payment history, and charge-off reporting. XXXX XXXX I dispute this account and request verification of the charge-off reporting and account history. Hard Inquiries My report contains numerous hard inquiries. I request verification of all hard inquiries and removal of any inquiry for which authorization can not be produced. I am requesting a complete reinvestigation of all disputed information pursuant to the Fair Credit Reporting Act. Any information that can not be verified as accurate, complete, and supported by documentation should be corrected or removed.

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 2026-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate, disputed, and unverifiable information that is causing significant harm to my credit profile. Incorrect Personal Information My credit report contains multiple inaccurate and misspelled name variations that do not reflect my legal identity, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request removal of all inaccurate name variations and retention of only my correct legal name and legitimate name variations. Disputed Accounts XXXX XXXX XXXX This account is currently disputed. I was presented financing terms substantially different from those ultimately reported. I was led to believe I was financing approximately {$15000.00} ; however, the account was opened and reported at approximately {$24000.00}. I have filed an FTC complaint and a police report regarding this matter. I dispute the accuracy of the account, the amount financed, the handling of my down payment, and the reporting of the account. XXXX XXXX XXXX This account is being reviewed due to issues involving XXXX insurance coverage following a total-loss vehicle claim. I dispute the accuracy of the remaining balance being reported until a complete accounting of the insurance and XXXX payments is provided. XXXX XXXX XXXX XXXX XXXX I do not recognize this debt. I have not maintained XXXX service since approximately 2015. I request verification of the original account, service address, date of first delinquency, and documentation proving I am responsible for this debt. XXXX XXXX XXXX XXXX I request verification of this account, including original creditor documentation and proof that I am responsible for the alleged debt. XXXX XXXX XXXX I dispute this account and request complete verification of the debt and supporting documentation. XXXX XXXX I dispute this charge-off account and request verification of the balance, payment history, and charge-off reporting. XXXX XXXX I dispute this account and request verification of the charge-off reporting and account history. Hard Inquiries My report contains numerous hard inquiries. I request verification of all hard inquiries and removal of any inquiry for which authorization can not be produced. I am requesting a complete reinvestigation of all disputed information pursuant to the Fair Credit Reporting Act. Any information that can not be verified as accurate, complete, and supported by documentation should be corrected or removed.

Company response to consumer: Closed with explanation