vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I was notified by chime that someone logged into my account and with XXXX {$50.00}. I reported this and filed a dispute. I was told my account would be frozen ( it was not ). On XX/XX/year>, someone logged into my account again, this time draining my entire account ( {$2700.00} ), the person also took out 2 pay advances ( one for {$160.00}, the other for {$110.00} ) plus a {$500.00} loan. All money drained from my account. I have called everyday since, multiple times a head spending hours trying to file claims and get my money back. They have now denied my claim 3 times telling me " they see no fault ''. I have provided them an IC3 report from the FBI, a local police report, GPS verification, screenshot proof, and they are still denying my claims. They refuse to connect me to a manager or anyone who can assist me with refunding me my money. They have also refused to send me a temp credit of my funds. They stated that " if '' I get my money back I will not see anything for XXXX to XXXX days. I have contacted an attorney and am starting the process of suing them because they will not assist and keep denying claims and proof I have. The documentation submitted is a police report, IC3 report, GPS verification, emails sent, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CO

Complaint narrative:
I received a collection notice from Viking Client Services LLC dated XX/XX/XXXX for {$150.00} related to an alleged damage claim from an XXXX XXXX car rental picked up on XX/XX/XXXX at XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ). I dispute this debt entirely for the following reasons : 1. NO PROOF OF DAMAGE : Neither XXXX XXXX XXXX nor Viking Client Services has ever provided photographic documentation, a repair estimate, or an itemized repair invoice establishing that damage occurred, that it was not pre-existing, or that I was responsible. 2. VEHICLE CONDITION AT PICKUP : The rental vehicle was visibly dirty at pickup to a degree that obscured its surface condition. My credit card statement shows a {$9.00} charge to XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) on XX/XX/XXXX -- the same day as vehicle checkout, less than XXXX mile from the XXXX pickup location. This is contemporaneous, third-party proof that the vehicle was dirty enough to require an immediate car wash, making it impossible to assess pre-existing damage at the time I took possession. 3. PRIOR DISPUTE IGNORED : I previously submitted a written dispute to XXXX XXXX XXXX. I received a callback from a representative named XXXX ( ext. XXXX ), returned the call, left a voicemail, and never received a response. 4. ORIGINAL CREDITOR REFUSES TO ENGAGE : On XX/XX/XXXX, I contacted XXXX directly. Their representative told me they could not handle this matter and directed me to deal with Viking Client Services, refusing to engage as the original creditor. This creates a situation where neither the original creditor nor the debt collector can validate the underlying claim, yet collection continues. This pattern -- XXXX referring consumers to a third-party debt collector while refusing to engage, while the debt collector pursues unsubstantiated damage charges without documentation -- suggests systematic consumer harm. I am requesting that Viking Client Services provide full debt validation under the FDCPA ( 15 U.S.C. 1692g ), including the signed rental agreement, time-stamped photos of alleged damage, a verified repair invoice, and documentation confirming the damage was not pre-existing. I have also sent a formal dispute letter via certified mail to both Viking Client Services and XXXX XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My credit card account number was changed due to a lost/stolen card transfer in early XX/XX/XXXX. The closing balance from my previous statement ( closing date XX/XX/XXXX ) was {$160.00}. On XX/XX/XXXX, I made a payment of {$160.00} to pay off this closing balance in full. On XX/XX/XXXX, Wells Fargo posted a line item titled " LAST STATEMENT BAL FROM ACCT ENDING [ old number ] '' for {$160.00} to my new account effectively re-adding the same balance I had already paid three days earlier. On XX/XX/XXXX, I made a final payment of {$710.00} to clear the remaining new charges on the account. Because the {$160.00} had been re-posted, this payment inadvertently paid that amount a second time. The account is now closed with a {$0.00} balance, confirming the overpayment was absorbed by Wells Fargo. I have three consecutive monthly statements that clearly show this double-counting. I contacted Wells Fargo by phone multiple times. Agents acknowledged the issue but stated it had been " adjusted back, '' however no such adjustment appears on any of my statements, and no refund has been received. I am requesting a refund of {$160.00} to my linked bank 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 explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA

Complaint narrative:
Put in several requests with my account rep ahead of time to cancel my account. Account rep never cancelled my account and claimed someone else reopened it. I have been billed a monthly fee for service I was not using and was told was terminated totally {$260.00} what I am currently owed. They also added on a technology fee that I was not expecting of {$490.00} right after I closed the account. Merchant ID XXXX Call back XXXX Name of Business : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Atlanticus Services Corporation
State: CO

Complaint narrative:
I discovered multiple unauthorized charges on my Imagine credit card totaling approximately {$640.00}. I contacted the company several times by email requesting a fraud investigation, but I was repeatedly redirected to phone numbers and no dispute case was opened. Despite my attempts to resolve the issue, the account has now been reported to my credit report with a balance. These transactions were not authorized by me and I am requesting a formal investigation, correction of the balance, and removal of any inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Paste this into the field : I received a targeted direct mail solicitation for the Citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX offering XXXX bonus AAdvantage miles upon meeting the spending requirement ( Invitation Number : XXXX ). I applied for the card in reliance on that offer, was approved, and opened the account. However, my account reflects a sign-up bonus of only XXXX miles a shortfall of XXXX miles from the advertised offer. On XX/XX/XXXX, I emailed Citi at XXXX with a detailed written request to match my bonus to the XXXX offer, and attached a copy of the solicitation. I received no response. I followed up on XX/XX/XXXX, and again on XX/XX/XXXX explicitly noting that XXXX months had passed with no reply. As of today, XX/XX/XXXX, I have received no acknowledgment, status update, or resolution from Citi across XXXX written contacts spanning XXXX days. I also contacted XXXX XXXX by phone and was told to continue waiting for an email response. I attempted online chat support and encountered a wait time of over XXXX hours with no agent reached. Citi has failed to honor the terms of the promotional offer I relied upon when opening the account, and has failed to respond to any of my written communications.

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 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing an installment loan for {$3000.00} with Affirm ( Loan ID XXXX ). The merchant, XXXX, shipped a defective/DOA unit. I refused delivery to ensure I never took possession of the faulty hardware. XXXX XXXX XXXX confirms the unit was returned to and signed for by the XXXX facility in XXXX, XXXX. Despite this, XXXX falsely informed Affirm that I was in possession of the unit. Affirm closed my dispute based on this lie. However, on XX/XX/year>, XXXX inadvertently proved their misrepresentation by attempting to reship the unit to me ( XXXX XXXX : XXXX ). A merchant can not 'reship ' an item that they previously claimed the customer already had. I have refused this second shipment as well. Affirm is attempting to collect a debt for goods I do not possess and have never accepted, which is a violation of the Fair Credit Billing Act ( FCBA ) regarding billing errors and goods not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: GA

Complaint narrative:
I have a student loan from XXXX. When I talked to the Department of education, they explained to me that that student loan was deleted where back in an early XXXX they informed me that anything back in XXXX was deleted for forbearance forgiveness something where it was XXXX balance I went back-and-forth with them. They kept telling me it was a XXXX balance. My thing is this is a 38-year-old loan I applied for forgiveness and its like its still honeymoon. I understand people who had {$100000.00} loan etc. they have been forgiven, but it seemed like this loan that is over 38 years old is still haunting me Its like a ghost. I was trying to see how can I get it canceled, forgiven whatever to clear my credit to get a clean slate from this ghost that has been haunted over 38 years old something that was just {$2600.00} that has came up to XXXX so I just wan na know what can I do to get over this goal to be released from debt? Every time I turn around its different loans that are picking up. This student loan has started out with XXXX XXXX, two or loan company before XXXX got it, now Mohelda. Just trying to get help. How loan of XXXX can be forgiving but not a loan that 38 years old.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: MI

Complaint narrative:
This company is charging 98.6 % in interest from my understanding in the state of California that is illegal where loanmart is located and I am in the state of Michigan as a resident so I believe it is illegal over here as well. From my understanding they use a bank out of Utah in order for them to charge a higher interest rate which I was also told could be illegal. I have paid them back to the amount that I owed them and now they are saying that I owe XXXX almost in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: NV

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent 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 explanation
Consumer complaint received 2026-03-16 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
State: VA

Complaint narrative:
In or around XX/XX/year>, I requested closure of my PayPal account and attempted to follow PayPals instructions to complete that process. PayPals U.S. User Agreement states that a user may close a PayPal account at any time, subject to limited exceptions such as a pending transaction, open dispute or claim, negative balance, or a hold, limitation, or reserve on the account. To my knowledge, none of those exceptions applied to my account at the time I requested closure. After my request, PayPal did not close the account. Instead, I spent months trying to resolve the issue through customer support with no meaningful resolution. I was repeatedly forced into overseas support channels, and communication was difficult due to language barriers and an inability to get clear, consistent guidance. I was not given a concrete explanation, documentary basis, or actionable steps that would allow me to close the account. At one point, after extended delays and repeated outreach, it appeared there may not have been a legitimate issue preventing closure at all. This caused unnecessary delay, wasted significant time, and left me unable to terminate my relationship with the company despite repeated attempts to do so. My complaint is that PayPal failed to process a valid account-closure request in a timely and transparent manner, failed to provide competent customer support, and failed to clearly explain the specific contractual or operational reason the account could not be closed. If PayPal believed an exception applied, it should have clearly identified that exception and provided the evidence or steps needed to resolve it. Instead, I was left in limbo for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I co signed for my siblings apartment rental. They moved out. Apartment complex sent me a bill for {$700.00} claiming damages. I responded to their letter with the rent due and a request for receipts showing proof of repair needed. In PA they have 30 days to furnish receipts. They never responded to me. Now collections has the debt and hurt my credit score hindering my ability to refinance my home. Its costing me {$800.00} a month. They have no legal right to ask that money from me. They refuse to remove it. The agency and complex both can not show me proof that they ever gave me receipts. I asked them last year and this year. No proof. They refuse to remove the collections.

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 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc.
State: AL

Complaint narrative:
XXXX XXXX LAST PAYMENT XXXX XXXX I HAVE A {$0.00} BALANCE. XXXXXXXX XXXX XXXX LAST PAYMENT XX/XX/year> I HAVE A {$0.00} BALANCE. PLEASE REMOVE OFF MY CREDIT REPORT. THE ONLY OPEN, UP TO DATE ACCOUNT I SHOULD HAVE IS XXXX XXXX AND XXXX 'S. EVERTHING ELSE SHOULD BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I pulled my consumer profile recently and notice there were inaccurate, unverifiable, and unauthorized information in my full consumer profile I did not authorize these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I am writing to formally dispute the validity of the debt you are attempting to collect regarding XXXX XXXX account ending in XXXXUnder the FDCPA, 15 U.S.C. 1692g, I am requesting full validation of this debt. I specifically dispute the accuracy of the delinquency dates and the balance reported by the original creditor.Note that I have an active dispute regarding the original creditors reporting ( CFPB Case : XXXX ) which highlights inconsistencies in their payment records, specifically regarding a {$200.00} credit applied in XXXX XXXXYou are hereby notified to cease all credit reporting regarding this account until you have provided a complete itemized ledger of the original account, proof of your authority to collect, and verification that the reporting complies with the FCRA.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: PRA LAW FIRM
State: CA

Complaint narrative:
I am submitting a complaint regarding PRA Law Firm and their collection practices. I received a settlement letter demanding payment of {$300.00} related to an alleged incident at XXXX. The letter stated that if payment was not made within 20 days, the matter could be reviewed for further civil action and potentially higher costs including attorneys fees and court expenses. Because this is my first time dealing with a situation like this, I felt pressured and intimidated by the language in the letter. I was concerned that the amount would increase or that legal action would be taken against me if I did not pay immediately, so I paid the {$300.00} to prevent the situation from escalating. However, after making the payment, I did not receive the written release of the statutory civil damages claim that the letter stated I would receive after payment and clearance of funds. This has caused me concern about the legitimacy of the demand and whether the collection practices used were appropriate. I recently contacted PRA Law Firm by phone to ask about the release, and only after I called did they email it to me. Prior to my call, I had never received any written release or confirmation that the matter had been resolved. This situation raised concerns for me about the collection practices used and the lack of communication after payment. I am requesting that this matter be reviewed, including whether PRA Law Firms communication and payment demand practices comply with consumer protection laws. I would also like clarification regarding the written release referenced in the letter and whether my payment fully resolved the civil claim. Because of this, I am concerned that the communication may have been misleading and that I may have been pressured into paying without receiving the documentation that was promised.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I informed the apartments I had to leave 2 months early due to a car accident and not being able to work. I provided proof of accident and hospital visit and I was told that I would receive an email of the process to be let out of the lease 2 months early. I never received any email or mail notifications or phone calls. I never received an itemized bill to validate the amount that is being asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
on XX/XX/year> I filed a cash app fraud complaint for {$710.00}. They told me it would take around 10 business days. Then they kept giving me different days on which it would take to complete, i.e. XX/XX/XXXX or XX/XX/year>. Today XXXX XXXX XXXX it is still not finished. And now they are saying tomorrow. They keep changing it.

Company response to consumer: Closed with explanation