vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, the regular statement for the Prosper Credit card was released for my account, which had a minimum payment amount of {$56.00}. On that day, I made a payment of {$60.00}. There was a XXXX payment due for the rest of the month. I had actually been in the card to validate that later in the month, as I do check the card with others to make sure that there would be no issues. I got a notification of the new statement on XX/XX/XXXX that showed a past due balance and that I now had a total due of {$130.00}, and that there had also been a late fee assessed of {$29.00}. Of course, I called the card to try to resolve the issue. They offered to reverse the late fee, but I had to make the minimum payment, which is now a double payment for the month for me, an extra expense that I was not budgeting for. This is the second card on which this has happened in the last month. I will be filing a complaint for the other company as well. Both had the same issue of me paying the bill on the day that the bill was released. This should not be an issue ; if there is some rule that you are not allowed to pay your bill on the date the bill is released, then this should be noted with the bill. At this point, I considered this to be either a system fault of theirs at best, fraud at worst.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX [ XXXX ] ( XXXX : XXXX ) XX/XX/year> RE : Request for Debt Validation and Assignment Documentation To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting complete validation of this alleged debt. I dispute this debt in its entirety and request that you provide competent, legally sufficient evidence that I have a contractual obligation to pay your company. Please provide the following documents and information : 1. The name and address of the original creditor. 2. The complete payment and account history from origination to present. 3. A copy of the original signed contract, application, or agreement bearing my signature. 4. A complete accounting of the alleged debt, including all fees, interest, penalties, and charges. 5. Proof that your company has legal standing and authority to collect this alleged debt. 6. A copy of the assignment contract, purchase agreement, or bill of sale transferring ownership of this alleged debt from the original creditor to your company. 7. Documentation proving the chain of title for this account, including all assignments or transfers. 8. Proof that the alleged debt is within the applicable statute of limitations. 9. Proof that your agency is licensed to collect debts in my state, if required by law. 10. Verification that any information reported to credit bureaus is accurate and fully verified. Specifically, I request the complete assignment agreement bearing identifiable account information proving that this specific account was legally transferred to your company. A generic spreadsheet, summary, or redacted document will not be considered sufficient validation. Until you provide the requested documentation, you must : * Cease all collection activity ; * Cease telephone communication with me ; * Mark this account as disputed with all credit reporting agencies; * Refrain from reporting, updating, or verifying this account on my credit report. If you can not provide the requested validation and assignment documentation, I demand immediate deletion of this account from all consumer reporting agencies and written confirmation that the matter has been closed. Please note that this letter is not a refusal to pay, but a notice that your claim is disputed. This letter is not an acknowledgment of liability, nor does it grant permission to restart any statute of limitations. I request all future communication be in writing only. I expect your complete response within 30 days of receipt of this notice. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase using Klarna. On XX/XX/XXXX the merchant stated that they could not fulfill the order and that a refund would be issued. They stated please allow XXXX business days for the full refund amount to return to your account. If XXXX business days have passed and you have not received your refund, please note that in some cases banks may not automatically approve the transaction. In that situation, we kindly ask that you contact your bank directly to dispute the charge so they can assist you further. Klarna would not refund be because they stated that they could not get in contact with the merchant. I disputed the charges with my bank, XXXX, on XX/XX/XXXX. On XX/XX/XXXX, the dispute was denied. XXXX said I need to take it up with Klarna, Klarna said to take it up with XXXX. I am currently getting the runaround, all while being out of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: KEYCORP
State: OH

Complaint narrative:
My former landlord failed to pay my rent with my money order in XX/XX/XXXX. I discovered this when I attempted to pay my rent with my current landlord in XX/XX/XXXX. She told me she could not accept the money order for XX/XX/XXXX because I had an outstanding balance from XX/XX/XXXX. I showed her all my rent receipts for that period, especially for XX/XX/XXXX, but she insisted I had not paid. She then showed me the rent log, confirming the payment was not recorded. I went to KeyBank and showed them my receipt, requesting a tracer to see if it had been cashed. They confirmed it was not cashed and agreed to put a stop on the old money order and issue a new one. I will have to pay for the new money order out of my active account, which means Ill be paying rent twice this month. The bank assured me I will receive a refund within XXXX toXX/XX/XXXX days, but this delay is unacceptable. This is my money, and its unjust that I am suffering the consequences for someone elses mistake. I have been with KeyBank for years, and their refusal to close my account when money began going missing raised serious red flags. I acted to close the account myself, but they initially refused, showing their lack of concern for my well-being. I am determined to resolve this and ensure my rights are protected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my consumer credit report. I disputed the account directly with the credit reporting agency and/or furnisher ; however, the disputed information continues to be reported without sufficient documentation or proper verification. I requested a reasonable investigation pursuant to the Fair Credit Reporting Act, including validation of the account, payment history, permissible purpose, and supporting documentation demonstrating the accuracy of the reported late payments. To date, I have not been provided with competent evidence supporting the reporting. Despite my dispute, the account continues to negatively impact my credit profile. I believe the reporting may be incomplete, inaccurate, misleading, or otherwise noncompliant with the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2. I am requesting that the company conduct a proper investigation, provide all documentation supporting the reporting, and remove any information that can not be fully verified and legally reported under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am formally disputing the payment history currently being reported by Ally Financial on my consumer credit file. I have requested proper verification regarding the latest payment information being reported ; however, your company has failed to provide sufficient documentation validating the accuracy and completeness of the reported data. Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2, furnishers of information are required to report information accurately and conduct a reasonable investigation when a consumer disputes information. Because Ally Financial has not provided adequate verification of the reported payment history, I am requesting the removal of all disputed late payments and negative payment entries associated with this account until full and complete verification can be produced for each reported payment.

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 2026-05-20 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX, I entered into an installment loan with XXXX XXXX to finance dental aligner treatment, retainers, and a protection plan from XXXX. XXXX failed to deliver all promised goods and services. Specifically, lower retainers and ongoing protection benefits were never provided. XXXX later ceased or suspended operations, making fulfillment impossible. On XX/XX/XXXX, XXXX acknowledged via email that services were incomplete and stated they would assist with a prorated refund for the protection package. After XXXX shut down, I submitted a written billing dispute to XXXX XXXX citing nondelivery of goods and merchant nonperformance and requested suspension of billing and investigation. XXXX XXXX responded with a letter stating that the investigation was concluded and that all services were rendered, without addressing the missing retainers, XXXX closure, or XXXX written acknowledgment of incomplete services. I sent a followup written request for reconsideration and continued dispute, requesting supporting documentation and correction of the balance. As of XX/XX/XXXX, XXXX XXXX has not responded. XXXX XXXX continues to attempt to enforce the loan despite merchant nonperformance and failure to deliver material components of the financed transaction.

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 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
I went to the XXXX XXXX police and got a police report and also filled out a AFFIDAVIT for the total of XXXX that is not in my legal name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$1100.00} ( Transaction ID : XXXX ) by XXXX, XXXX ( XXXX : XXXX XXXX XXXX ) via PayPal XXXX. The merchant 's checkout displayed " Pick up in Store {$0.00} '' after I entered my XXXX XXXX address, without disclosing the only pickup location was XXXX, TX. I never received the item. PayPal Case XXXX , filed XX/XX/year>, was closed in the seller 's favor on XX/XX/year> within approximately 24 hours with no meaningful review. The stated reason was that the transaction was " processed correctly, '' which does not address the merchant 's deceptive checkout disclosure or my documented cancellation efforts. A separate chargeback case ( XXXX ) filed XX/XX/year> remains under review. I am requesting that PayPal reopen case XXXX and conduct a proper review of the evidence submitted, including the checkout screenshot and email chain documenting my immediate cancellation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a checking account with Citibank which I no longer wish to use. The account currently has a balance of {$6.00} and is not getting any deposits because I switched my pay to another bank. I called and tried to close the account and the young lady in XXXX told me that I have pending transactions and can't close the account. My account does not actually show any transactions pending. I have destroyed the debit card and an receiving my pay through another bank. So I do not expect any more activity.

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 2026-05-20 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
In or around XX/XX/2024, I was contacted by a company called XXXX XXXX XXXX XXXX, which presented itself as a job consulting and placement service offering a 100 % Job Guaranteed Program. I was told the process involved training and job placement assistance, and I was informed that I would not need to make payments before obtaining employment. During this process, I was directed to complete onboarding and application steps that I believed were related to employment. I later discovered that these steps resulted in a private education financing agreement through XXXX XXXX XXXX XXXX XXXX XXXX being opened in my name. The financing was not clearly or transparently explained to me as a traditional private loan with repayment obligations. Instead, it was represented as part of a job placement program where payment obligations would only occur after securing employment, and I was misled about the true nature and consequences of the agreement. Afterwards, I learned that this account was reported on my credit file and later referred to collections by Halsted Financial Services for ~ {$16000.00}. I did not knowingly or willingly enter into a properly informed loan agreement with full understanding of the financial obligations and no job placement was provided nor there was any education provided hence, this education loan is a complete fraudulent. I previously disputed this issue through credit bureaus and filed an FTC Identity Theft Report and a police report, but the account remains unresolved and continues to negatively impact my credit. I am requesting that the account be fully investigated as fraud and deceptive inducement, removed from all credit reporting agencies, and that all collection activity be permanently stopped unless the company can provide verifiable proof of informed consent, including a valid signed agreement and complete authorization records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Rubin & Debski, P.A.
State: FL

Complaint narrative:
I received a certificate of service of defendant on XX/XX/year> for writ of Garnishment on XX/XX/year> I received a Notice Of Voluntary Dismissal Of Garnishee on I received XX/XX/year> A Notice of Taking deposition XX/XX/year> I received Certificate of service on defendant Plaintiff Motion for writ of Garnishment After Judgment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
I called Consumer Profolio ask do the have another dealership that they work under and to send me a list at the end of XXXX. The last week of XXXX i went to XXXX XXXX XXXX XXXX to refinance my XXXX XXXX XXXX they told me that Consumer Profolio said that I was in good standing with them, they told me to bring XXXX down. I went home look at my contract told it said {$8000.00} I have been since Consumer Profolio XX/XX/XXXX it told up that XXXX was how much I owe, so I automatically assume that's why. I got to XXXX on XX/XX/XXXX and they told I didn't need to refinance it was paid off. Then they show me where it said it was paid off. Maybe a week later I was getting a phone call from Consumer Profolio saying that I owe them. I checked credit report on my end and it said pay off. Now it's like im stuck in the middle of this all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$1100.00} ( Transaction ID : XXXX ) by XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX ) via my PayPal Credit account. The merchant 's checkout page displayed " Pick up in Store {$0.00} '' after I entered my XXXX XXXX, CA address, without disclosing the only pickup location was XXXX, TX. I never received the item. I immediately contacted the seller on XX/XX/year> by phone, then by email per their instructions. I submitted a written cancellation request the same day and followed up three more times in writing. The seller engaged with my emails substantively across four days but never raised any objection to my cancellation method. Synchrony Bank accepted the merchant 's chargeback response claiming I " did not use appropriate cancellation channels '' a claim directly contradicted by the documented email chain in which the seller replied to my cancellation requests multiple times without raising that objection. Synchrony reversed my temporary credit on XX/XX/year> without meaningful review of my evidence. I am requesting Synchrony conduct a proper FCBA investigation and restore the {$1100.00} 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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
Wrote formally request the immediate reversal of the XXXX maintenance fee for more than XXXX year totalling XXXX that was deducted from my TD XXXX Banking account. I was shocked to see this charge, as I did not receive any prior notice or notification. I was not aware and they did not send any statements to my address. TD bank Complaint number for following up- XXXX Furthermore, I did not receive any XXXX Banking benefits or interest or enhanced services that justify this fee .Despite the large balance I had previously, I did not receive any meaningful interest or financial benefit on my deposited funds, while the bank continued charging recurring maintenance fees. Effectively, the TD bank benefited from the use of my money while simultaneously charging me fees for services and benefits I neither used nor received. Because I did not receive a notice of this charge and I am paying for services I do not utilize, I am requesting that the full {$650.00} be refunded to my account.

Company response to consumer: Closed with explanation