vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am following up regarding Case Number XXXX and Order Number XXXX for a damaged XXXX XXXX XXXX XXXX treadmill in the amount of {$490.00}. I previously contacted XXXX regarding this issue and spoke with a team member at XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX, to follow up on the instructions provided in the Retail Disputes letter. I have already completed the required steps outlined for the return process. The item was physically dropped off at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX also have photo documentation from that date showing the return note and confirmation that the item was brought to the store. As outlined in the Retail Disputes letter, the next step requires a XXXX store team member to email the designated department to confirm my return circumstances so the refund of {$490.00} can be processed. I have communicated this requirement to the store and provided supporting documentation for processing. Despite my compliance with all instructions and submission of supporting evidence, the refund has not yet been issued. I have also been pursuing resolution through my financial institution, Comenity Bank, via an active dispute. I have attached documentation supporting my return and compliance with the required steps. I am requesting that this matter be reviewed and that the refund be processed accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: AC AutoPay LLC, Denver, CO Branch
State: AZ

Complaint narrative:
I am attempting to refinance my car loan through Autopay. However, my experience has been concerning. Autopay appears to advertise a competitive rate to attract applicants, collects personal and financial information, and then cancels the application without a clear or valid reason. I was told by phone that my application would be processed and that I would hear from a lender, but instead, the application was cancelled, and I was instructed to apply again. This has now happened twice. Each time, I have provided the requested information and expected the application to move forward, only to have it cancelled with no reasonable explanation. I am concerned that this process may result in unnecessary repeated credit inquiries and additional harm to my credit profile. I am requesting a clear explanation for why my applications were cancelled and a resolution that does not require me to restart the process or submit another credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> i filed a complaint with exsperin asking them to validate this debt that's on my credit report in they refuse to do so. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692g )

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Im writing to file a complaint against Midland Credit Management for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Navy Federal Credit Union Denied Debit Card Dispute ( Case # XXXX ) Regulation E Violation Fraudulent Gambling Scam I am filing this complaint against Navy Federal Credit Union regarding their denial of my dispute in Case # XXXX for a {$1200.00} debit card transaction on my account ending in XXXX. The transaction ( XXXX * XXXX XXXX ) occurred on XX/XX/year> and was the direct result of a fraudulent online gambling scam in which I received XXXX goods, services, or value. Facts of the Scam : I was directed to a fraudulent gaming/gambling website that used classic advance-fee tactics. The site allowed small deposits and made promises of winnings, but required additional deposits to unlock or process larger withdrawals. No withdrawals were ever successful I received nothing in return despite the deposits. Under deception and pressure, I was induced to purchase cryptocurrency via XXXX ( integrated with XXXX ) and send it to the scammers wallet. The full {$1200.00} was charged to my Navy Federal debit card. Actions Taken with Navy Federal : I promptly submitted a dispute on XX/XX/year> ( Case # XXXX ). Navy Federal denied the dispute, stating the charge was valid because the service was rendered in full. I have now submitted a detailed written appeal explaining the scam and citing Regulation E. MoonPay Confirmation : I contacted XXXX support, who confirmed the fraudulent nature of the transaction, flagged it, and blocked the wallet address. Legal Basis Regulation E Violation : This transaction qualifies as an unauthorized electronic fund transfer ( EFT ) or error under Regulation E ( 12 CFR Part 1005 ) : 1005.2 ( m ) Definition of unauthorized EFT : a transfer initiated without actual authority and from which the consumer receives no benefit. 1005.11 Error resolution procedures requiring prompt investigation and provisional credit. 1005.6 Limits on consumer liability for unauthorized transfers. I received no benefit from this fraudulent gambling transaction. Navy Federals denial improperly treats it as authorized despite clear evidence of social engineering fraud, non-delivery of services, and zero value received. Requested Resolution from Navy Federal : Full reversal of the {$1200.00} charge plus any related fees. Immediate issuance of provisional credit during the investigation. Proper Regulation E error investigation and written findings. Escalation to a supervisor or senior fraud team. Thank you very much for your help and assistance. Have a blessed day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
XXXX XXXX is attempting to collect a {$510.00} balance for an account that no longer has a balance. My credit report from XX/XX/year>, proves that the original creditor, Capital One ( Account # XXXX ), has updated the status to 'Paid in full ' with a {$0.00} balance. XXXX is reporting inaccurate data and pursuing a satisfied debt, which violates the FCRA. I am also an identity theft victim ( FTC Report XX/XX/year> ) and this duplicate reporting is causing further harm. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
On or about XX/XX/year>, I was charged for a mobile phone order financed through Affirm and associated with XXXX XXXX. I never received the phone that I was charged for. I made a payment of {$100.00} on XX/XX/year> toward this account. Afterward, the account reflected adjustments but still left a remaining balance of {$140.00}, which I dispute because I never received the product. Despite multiple attempts to resolve the issue with the company, including written communication sent on XX/XX/year> explaining the non-delivery and requesting a full refund and explanation of the remaining balance, I received no meaningful resolution or corrective action. The account was later marked as overdue and charged off on XX/XX/year> and has since been reported as delinquent/collected. The reporting includes inaccurate or inconsistent account information compared to my records, including disputed balances and unresolved refund issues. I never received the item purchased and I believe I was incorrectly charged and reported for a debt that is inaccurate. I am requesting a full investigation, refund of the {$100.00} paid, removal of the remaining balance, and correction or deletion of all related credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Dear Consumer Protection Representative : My name is XXXX XXXX XXXX, and I am respectfully requesting assistance regarding ongoing concerns involving my XXXX vehicle matter and the hardship this situation has caused me physically, emotionally, and financially. I am a XXXX healthcare professional and former XXXX XXXX XXXX currently living with serious autoimmune illness, including XXXX XXXX, XXXX XXXX, XXXX, and related medical complications. Because of my medical condition, dependable transportation is extremely important for my medical appointments, daily responsibilities, and overall stability. Despite repeated attempts to resolve my concerns through normal channels, I continue to experience difficulty obtaining meaningful assistance and fair resolution. I have made every effort to communicate respectfully, document my concerns, and follow proper procedures in good faith. My concerns include, but may not be limited to : Ongoing vehicle-related problems and unresolved issues Financial hardship connected to the matter Emotional distress and disruption to daily life Difficulty obtaining consistent communication and accountability Concerns regarding consumer protection and safety I respectfully request that your office review my complaint and determine whether investigation, mediation, or additional consumer protection assistance may be appropriate. I am seeking : A fair and thorough review of my concerns and supporting documentation Assistance with communication and accountability Clarification regarding my consumer rights and available remedies Consideration of the significant hardship this matter has caused given my XXXX and financial limitations Throughout my professional life I worked in healthcare caring for others, and I am simply requesting fairness, dignity, and respectful treatment while attempting to resolve this matter. Attached documentation may include : Prior complaint correspondence Vehicle repair records and invoices Financial records related to the dispute Medical hardship documentation Notes regarding prior communications Thank you for your time, consideration, and attention to this matter. I sincerely appreciate any assistance your office may provide and remain hopeful that through proper review and communication, a fair resolution can be reached. Respectfully, XXXX XXXX XXXX XXXX XXXX, Texas Email : XXXX Date : XX/XX/XXXX Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Remitly, Inc.
State: MA

Complaint narrative:
I paid {$1500.00} via Remitly to a XXXX partner to create and manage my website. After minimal initial work, the individual stopped, demanded further payment, and did not complete the service. I have records of our communication. I request a full refund due to the unfulfilled agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
On or about XX/XX/year>, I financed a mobile phone purchase originally associated with XXXX XXXX and financed through XXXX. I never received the phone that was charged to this account. I made a payment of {$100.00} on XX/XX/year>. Afterward, the account showed adjustments but still reflected a remaining balance of {$140.00}, which I dispute because the product was never delivered. The account was later charged off on XX/XX/year>. Despite this, the debt is now being reported and/or collected by Jefferson Capital Systems , LLC as a collection account on my credit report. I previously attempted to resolve this issue directly with the original company in XX/XX/year>, requesting a full refund and explanation of the remaining balance, but I did not receive a resolution. I believe this collection account is inaccurate because it is based on a transaction involving non-delivery of goods and an unresolved billing dispute. I am requesting a full investigation, validation of the debt, and correction or removal of any inaccurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Klarna AB
State: AR

Complaint narrative:
I am submitting this complaint regarding continued collection activity and unauthorized payment withdrawals by Klarna after my XXXX XXXX bankruptcy filing. I filed XXXX XXXX bankruptcy on XX/XX/year>, in the United States Bankruptcy Court under Case No. XXXX. My bankruptcy remains active and protected under the automatic stay provisions of federal bankruptcy law. Despite my bankruptcy filing, Klarna continued collection efforts and continued debiting my bank account for payments on a debt that arose prior to my bankruptcy filing date. Additionally, Klarna and/or associated collection activity appears to have negatively impacted my credit reporting after my bankruptcy filing date. I believe these actions may violate the automatic stay protections provided under 11 U.S.C. 362, as creditors are generally prohibited from attempting to collect pre-petition debts once a bankruptcy case has been filed. My requested resolution is as follows : 1. Immediate cessation of all collection activity related to this account ; 2. A full refund of all payments withdrawn or collected after my XXXX XXXX bankruptcy filing date of XX/XX/year> ; 3. Correction and removal of any negative collection reporting or derogatory reporting placed on my credit reports after the bankruptcy filing date ; 4. Updating all account records to properly reflect my active XXXX XXXX bankruptcy status ; and 5. Written confirmation that the account has been updated accordingly. I am maintaining documentation of the withdrawals, collection communications, and credit reporting activity associated with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Complainant Name : XXXX XXXX XXXX Account Email : XXXX Date of Incident : XX/XX/year> Description : " I am filing this formal complaint against PayPal regarding their categorical refusal to close my account and delete my sensitive personal and financial data upon my explicit request. On XX/XX/year>, I contacted PayPal support stating that I no longer require their services and wish to terminate my relationship with them. The representative, XXXX XXXX, refused to process the closure, claiming that the account is under a 'restriction ' and that PayPal 's policy prohibits closing accounts in this state. Even when I formally revoked my consent for them to hold my data, the agent insisted that the account must remain 'limited'potentially for 180 dayseffectively holding my identity and financial information hostage. Damages and Concerns : Privacy Violation : PayPal is keeping my bank and credit card details active in their system against my express will, which I believe is a violation of data protection regulations. Security Risk : By refusing to close the account, PayPal is exposing my personal data to unnecessary risks during this unauthorized 'holding ' period. Intentional Obstruction : The agent refused to escalate my request to a supervisor and abruptly ended the session, denying me any path to resolve this professionally. Desired Resolution : I demand the immediate and permanent closure of my account, the total deletion of all linked financial information, and a formal confirmation that my data is no longer stored in PayPals active databases. I also seek acknowledgment of the distress caused by this refusal to respect my privacy rights. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I purchased items online from XXXX XXXX XXXX for {$72.00} using a Capital One credit card ( Transaction as per the statement : XXXX XXXXe on the XX/XX/XXXX ) that is currently closed. Since I was not satisfied with the products, I returned the items. The merchant attempted to process the refund back ( since XX/XX/XXXX ) to the original card used for the purchase. However, the refund is not being accepted because the credit card account is closed. I currently still have a checking account, savings account, and another active credit card with Capital One. I believe Capital One should still be able to receive the refund and credit the amount of {$72.00} to one of my active accounts or issue me a check. When I contacted Capital One customer service, I was only advised to contact the merchant. I explained multiple times that, due to security policies, the merchant can not refund the money to a different account number and can only send it back to the original payment method used. I am extremely frustrated because the refund belongs to me, and I feel that Capital One should be able to assist in locating and crediting these funds instead of sending me back and forth between the bank and the merchant. Please investigate this matter and help resolve it as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX companies use my personal card to pay there bill with XXXX I didnt gave them my permission to use my card. I did not receive any service or product from 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 monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
On XX/XX/year> your representative, XXXX, contacted me by phone. During that call : I requested written validation of the alleged debt, including Proof of your authority to collect Complete account history Original creditor documentation Chain of assignment Statute of limitations information During our phone call, representative refused to provide validation representative continued collection activity after my request representative became loud, dismissive, and harassing, and then hung up representative stated company would not provide proof of authority to collect on XX/XX/year> at XXXX & XXXX I asked rep to take the collection off my credit report since company would not validate the debt. These actions constitute multiple violations of the FDCPA, including but not limited to : 15 U.S.C. 1692g ( b ) Failure to cease collection after a validation request 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692d Harassment or abuse 15 U.S.C. 1692f Unfair or unconscionable means to collect a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I overdrew my checking account on XX/XX/XXXX for {$500.00} which I covered on XX/XX/XXXX. I was debited the {$35.00} fee. When I requested a credit, they said I already received one in XX/XX/2025. I looked throughed my statements on the website. Nowhere does a credit appear since that time. I also called their customer service today who also said she didn't see the credit. I was placed on hold, then the call dropped. I also went back to last XX/XX/2025 looking for any such credit. They don't appear nor do they reflect in my adjusted balance. I'm not sure why they would misinform me of a credit when it never happened. Copies of statements are attached to show only debit for fee, no credit.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Imagine trying to use your card, having a botched transaction, and being told you have to wait 17 days to talk to someone?!!! What kind of company does business this way? Wells Fargo. I initiated a balance xfer with a 0 % promotion, verified the transaction was from me, and waited for the 5-7 business days for it to go through. When I called back to check on it, the reps told me the transaction failed because I didnt verify myself. A - I DID. B - Why not give me notice that you were canceling the transaction? Now the promotion is over and I cant even speak to someone bc Wells Fargo requires that you submit a complaint in writing and wait near 20 days. This is criminal.

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