vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: OneMain Finance Corporation
State: AZ

Complaint narrative:
I disputed a {$520.00} charge for defective equipment and revoked all authorization for further charges between XXXX XXXX XXXX I notified the merchant and my card issuer by phone and fax on XX/XX/XXXX to stop any future transactions. Despite this, a {$720.00} charge was processed about 72 hours later after revocation. This conduct aligns with the federal definition of fraud, including wire fraud under 18 U.S.C. 1343 ( a scheme to obtain money via interstate electronic communications after authorization was expressly revoked ). On XX/XX/XXXX, the first dispute representative I spoke with correctly identified the {$720.00} charge as fraud and stated she would cancel my card and issue a replacement. The call was then disconnected. On subsequent calls, other representatives refused to classify the transaction as unauthorized/fraud and did not implement those protections. I experienced repeated disconnections and was unable to get the issue escalated. As a result, no account protections were implemented, including failure to block the merchant or issue a replacement card, leaving my account exposed to further unauthorized charges. The issuer failed to honor my stop payment instruction and failed to properly handle the dispute, including misclassification and inconsistent servicing. I am seeking : Reclassification of the {$720.00} charge as unauthorized Immediate provisional credit and restoration of my credit line Cancellation and reissuance of my card Confirmation that no adverse reporting will occur Supporting documentation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because Equifax failed to conduct a reasonable reinvestigation of multiple disputed collection accounts and failed to provide the legally required method of verification. I disputed the following collection accounts as not belonging to me/ not properly verified : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} Account ending in XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} Account ending in XXXX Equifax responded with boilerplate form letters stating only that they contacted the furnishers and that the furnishers verified the accounts. Equifax then continued reporting these accounts without providing any substantive evidence showing how either account was verified. Equifax has failed to provide for either account : The specific method of verification used in its reinvestigation The name, address, and telephone number of the party who verified the accounts The documents, contracts, leases, statements, account-level records, or other evidence reviewed Any explanation of how Equifax determined these accounts belong to me Merely repeating the furnishers allegations or relying on automated electronic confirmation does not constitute a reasonable reinvestigation. Equifaxs responses strongly suggest that no independent or meaningful investigation was performed. Under the Fair Credit Reporting Act, Equifax is required to conduct a reasonable reinvestigation of disputed information and disclose the method of verification upon request. Equifax has failed to meet these obligations. I demand that Equifax do one of the following immediately : 1 Provide complete documentary evidence and the full method of verification demonstrating how each disputed account was verified as mine ; or 2 Permanently delete both disputed collection accounts from my consumer report. Continued reporting of unverified information without proper verification constitutes negligent and/or willful noncompliance with the Fair Credit Reporting Act. I request CFPB intervention to ensure Equifax complies with its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NC

Complaint narrative:
I Request for Debt Validation or any information thay have to pull this in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app did not let me know that they were going to charge fees for transferring money from their account to my personal account. I had no idea that I would be charged additional fees to move money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
Im a XXXX and I ordered from a company XXXX in the XXXX. They are a known company but when I placed an order with them on XX/XX/year> thru Remitly in the amount of {$85000.00} but I never received my order. Ive been in constant contact with XXXX up until XX/XX/year>. XXXX offered a refund if the hair was not shipped out by XX/XX/year>. It is now XX/XX/year> and XXXX havent had any correspondence with XXXX. I contacted Remitly to report the fraud and they said there wasnt anything they can do about it since the transfer was already picked up which I understand BUT I dont understand how they can allow a company to continue to use their service and scam people. I did as much due diligence before ordering with XXXX. I reached out to other stylists who have used their services, I ran their information thru XXXX and everything seemed to check out. at this point I dont know what to do. Im out of $ XXXX and no inventory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Accord Business Funding, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX in connection with a business loan issued to my company, XXXX XXXX XXXX XXXX. While I acknowledge that I am currently in default on this obligation and have been attempting to work toward a resolution, I have serious concerns regarding the manner in which this lender has conducted its collection efforts. The lender, or its representatives, contacted my clients directly and provided them with sensitive financial information that was not necessary for collection purposes. This included bank account information and internal loan documentation. This information was shared with multiple third parties who have no direct relationship to the loan. This disclosure has caused harm to my business relationships, created confusion among my clients, and placed my income at risk. As a small business owner, my client relationships are critical, and the release of this information appears excessive and inappropriate relative to any legitimate collection effort. Additionally, this outreach occurred while I was actively attempting to communicate and resolve the matter, making the situation more disruptive and damaging. I am not attempting to avoid this obligation. I am willing to work toward a reasonable resolution. However, I believe the methods used in this collection effortparticularly the disclosure of sensitive financial information to third partiesare improper and warrant review. I respectfully request that this matter be reviewed and that the lender be required to : 1. Cease sharing my financial information with third parties beyond what is strictly necessary for lawful collection activity. 2. Provide a clear accounting of what information has been disclosed and to whom. 3. Ensure that any further collection efforts comply with appropriate standards and do not unnecessarily damage my business. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I submitted a claim at the beginning of XXXX about how I got scammed out of money how someone pretending to be a XXXX XXXX and have me send money to them like I was gon na get my wife out of XXXX and never did. I got scammed out of {$1600.00} I reported it to Cash app as soon as it happened. I filed a police report and nothing has yet to happen. This dont make no sense cash app should help me. Cash App has done nothing but gave me the runaround about my money that they swear its safe in their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had a XXXX XXXX open under my name and XXXX XXXX a navy federal army account a XXXX XXXX and also a many other accounts now I I cant even apply for a real bank account and I even had a XXXX account opened under my name without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this alleged debt because the company has failed to provide sufficient evidence that I legally owe the account. I previously requested validation and asked for documentation supporting the debt. The company did not provide a signed contract, original application, complete payment history, or competent evidence showing I am legally responsible. I also requested proof that the company has the legal right to collect, including a complete chain of assignment or purchase of the account. That information was not properly provided. Despite this, the company continues attempting to collect and/or report the account to consumer reporting agencies. I believe the information being reported is inaccurate, incomplete, and unverified. I request that the company either provide full competent documentation proving the debt and their legal authority to collect, or immediately cease collection efforts and delete any inaccurate credit reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This situation has caused significant stress and embarrassment for my family. I only became aware of this alleged debt when we were in the process of moving to a new apartment, after already giving notice to leave our current residence. As a result, my family is now unable to relocate until this matter is resolved. I was never informed about this debt, never received proper notice, and do not recognize its validity.

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 2026-04-28 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as NAVY FEDERAL CREDIT - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Exeter Finance, LLC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as EXETER - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Kikoff Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as KIKOFF LENDING LLC - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as SANTANDER XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: VA

Complaint narrative:
Loan already met XXXX, illegally mismanaged, caught in fraud and already met the time for loan forgiveness. I filed criminals and civil charges mohela even got caught lighting to my senator who had to keep pulling my files. They triple added my loans. This company won't take my calls, ain't talked calls from Senate XXXX office, and got caught lying. They even added other students loans to mine ( documented and admitted ). All I want is to have the loans lawfully fixed and forgiven under XXXX. It's badly mismanaged I can't get access. Last resort will be a class action lawsuit against mohela and every loan provider that violated federal law.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, I BOUGHT XXXX XXXX XXXX, BOUGHT ON XX/XX/XXXX XXXX XXXX XXXX, BOUGHT ON XXXX XXXX XXXX XXXX XXXX XXXX BOUGHT ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX BOUGHT XXXX XXXX XXXX. ON OR ABOUT A MONTH LATER I NOTICED AN INFLATED BALANCE IN MY ACCOUNT OF {>= $1,000,000}, I IMMEDIATELY CONTACTED COINBASE ABOUT THE MATTER THEY TOLD ME THAT THEY WERE HAVING SOME TECHNICAL PROBLEMS AND THEY WERE UNABLE TO ACCESS MY ACCOUNT TO DISCUSS THE MATTER AND THAT i SHOULD CALL BACK LATER, THAT HAPPENED FOR THE NEXT THREE TO FOUR WEEKS. ON OR ABOUT XXXX XXXX ALL OF MY XXXX XXXX WENT MISSING FROM MY ACCOUNT. I CONTACTED COINBASE ON MANY OCCASSIONS WHO TOLD ME THAT THEY ARE INVESTIGATING THE MATTER AND WILL GET BACK TO ME LATER THAT TOO HAPPENED ON MANY CALLS I HAD WITH THEM, AND FINALLY ON XX/XX/XXXX OR THERE ABOUT THEY SAID THAT THESE TOKENS WERE FAKE AND I WAS INVOLVED IN A HONEY POT SCHEME. SO I ASKED THEM IF COINBASE SOLD FAKE TOKEN AND SENT THEM A LETTER KING ANSWERS, TO WHICH I DID NOT GET AN ANSWER AS YET.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/year> I was going down the road and I had received a phone call and I declined it because I was on the road and it kept calling me back to back so I thought it was urgent. I really didnt think about it cause Ive never had it happen back to back before so I picked it up and it was a recording saying my Cash app had been hacked, but I needed to enter my pin to stop it, and they sent me a pin to put in and told me not to share it with anybody as if they were Cash App so me not thinking on the road in traffic because the calls were back to back though oh well, this might be serious so I did it that night between XXXX and XXXX this person got into my account and sent their self money my bank let them have it back to back. I got on Cash app recorded it and reported with my bank cash app declined me within a couple days the bank contact the Cash app. They said it was authorized. I even got a red flag saying I had to login and needed to be authorize and I didnt do it after the call I went in and got the money that I had in there out of my account, but I didnt remember. I had my checking account linked to it or did I think it mattered just wasnt thinking about it. I thought they could just get what was on the card and I have cash app so my son could send me money and I could send them money and family. I dont even have this person on here that I sent to Cash app. XXXX said it was authorized and they didnt even help me they give my money back at first and then turn around a week or so later and took it back is fraud is being scammed and nobody helped me just told me Im sorry. I had some screenshots. I print it out and give to the bank cash app already has all that its in the app. They can see it all. One amount was XXXX And one amount was {$2600.00} XXXX XXXX is the cashapp name. Thank you for reading. Im not even wanting to dispute stuff at the bank. They told me it was a XXXX that said it was not spam or fraud. What!!! Have a good day. Thank you again! If all o get out of this is helping anything person I have done something. I really thought this would be taking care of. I had to get a loan to pay this back to the bank. Its mentally affecting me. Because I did not authorize this this is fraud. This is spam. I was tricked the same as going to the gas pump sticking your card in thinking youre getting gas and youre paying for somebodys XXXX car in another state. Cash App scene I had unauthorized the temp they seen. It was taken out two times crazy amounts to a person I never sent to. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have had this credit card since XXXX of XXXX. I pay all my monthly payments. I reached out to the company asking can they please report the right amount. The company did not reported my payment until 2 months after I made it. Then they send me a notification saying they was lowers my available credit. Why will they do this? Can they do this? Who is responsible for acting n this neglected manner? They Lowered my credit from {$5500.00} to {$2000.00}. Causing me to take a massive credit drop. This company know exactly what they are doing and I want to hold them accountable for this systematic racism and abuse. This practice been going on for decades and big banks like capital one are showing they dont care for a certain group of people. I will be filing legal and civil suits regarding this practice. They have no right to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: VA

Complaint narrative:
Sent return mail to XXXX XXXX XXXX. Requested in writing the original company that is the owner of the debt. Receiving multiple calls daily with refusal to send information that a was requested in writing. I believe this information is incorrect. I have not received any notice of debt. It says I have owed this debt since XXXX. No notice was ever given of an attempt to collect the debt.

Company response to consumer: Closed with explanation