vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XXXX XXXX of last year, my husband and I were approached by XXXX XXXX promotional representatives who offered a XXXX trial membership for {$1.00}. We signed up for XXXX memberships XXXX for myself and XXXX for my husband. I never visited or used the facility at any point during the trial period. Before the trial period ended, my husband visited the XXXX XXXX location in person on behalf of both of us and requested cancellation of both accounts, explaining that we had never used the gym and did not wish to continue. The staff refused to process the cancellation, citing a policy that required waiting through XXXX billing cycles. I was charged without ever receiving any services. The alleged debt on my account is approximately {$190.00}. My account is currently listed as inactive, yet the balance remains. These charges were disputed with our bank via chargebacks, as they were unauthorized cancellation was requested before any paid billing began. I am now being repeatedly contacted by a third-party debt collection agency, which appears to be calling from overseas, demanding payment. I do not believe this debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Leafy Financial, LLC
State: SC

Complaint narrative:
LEAFY is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which requires credit reporting agencies to block information resulting from identity theft. I am a victim of identity theft and submitted a valid police report : XXXX XXXX Sheriffs Office Case Number : XXXX Date Reported : XX/XX/year> Identity Theft ( XXXX Penal Code 32.51 ) Despite this, XXXX has reinserted a fraudulent account onto my credit report and is refusing to correct the issue. Fraudulent Account : BANK OF AMERICA , N.A . Account Number : XXXX XXXX has : Refused to re-dispute or properly investigate Refused to transfer me to the fraud department Improperly directed me to contact the creditor Reinserted the account without providing verifiable evidence This is a direct violation of FCRA 605B. The law does not require me to resolve identity theft with the creditor once a valid identity theft report has been submitted. Additionally, I experienced unprofessional conduct from a supervisor named XXXX, who laughed during my call while I was explaining my identity theft situation. This behavior is unacceptable and reflects poorly on XXXX handling of fraud victims. Impact : As a result of XXXX failure to comply with federal law : I have been unable to obtain financing My creditworthiness has been negatively impacted I have experienced financial harm, stress, and reputational damage Requested Resolution : I am requesting that XXXX : Immediately block and remove the fraudulent account Provide written confirmation of permanent removal Provide documentation supporting the reinsertion Conduct a formal review of Supervisor XXXX conduct Provide monetary relief for damages caused by their failure to comply with the FCRA, including denial of credit opportunities and harm to my financial standing. I am filing this complaint against Bank of America regarding a fraudulent account opened in my name as a result of identity theft. Fraudulent Account Details : BANK OF AMERICA , N.A . Account Number : XXXX I did not open, authorize, or benefit from this account. I have filed a police report documenting identity theft : XXXX XXXX Sheriffs Office Case Number : XXXX Identity Theft confirmed by law enforcement Despite this, the account continues to be reported on my credit file. Bank of America, as a furnisher of information, has a legal obligation under the FCRA to report accurate information. Reporting a fraudulent account tied to identity theft is a failure of that obligation. Impact : Because of this account : I have been denied financing opportunities My credit profile has been negatively affected I have experienced ongoing financial hardship and stress

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized electronic funds transfer and improper handling of my dispute by Capital One, as well as improper collection activity by XXXX. XXXX charged {$730.00} to my Capital One checking account using a debit card number that had previously been canceled. I did not authorize this transaction, and any prior authorization had been revoked. Additionally, XXXX had already sent this account to a third-party collection agency prior to charging my account. If the debt was sold or transferred, XXXX should no longer have had the right to collect directly. This raises concerns of improper or duplicate collection activity. I disputed the charge with Capital One as unauthorized. However, Capital One denied my claim, incorrectly treating the transaction as authorized. This is inaccurate. This transaction qualifies as an unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( Regulation E ), as : The debit card used was canceled Authorization had been revoked The merchant no longer had the right to debit my account after transferring the debt to collections I requested that Capital One provide proof of authorization for this transaction under these conditions, but no sufficient documentation has been provided. I am requesting the following : 1. A full refund of the unauthorized charge of {$730.00} 2. A proper investigation under Regulation E 3. Documentation showing valid authorization for this transaction 4.Clarification from XXXX regarding the ownership of this debt and why payment was taken after it was sent to collections This situation has caused financial harm and appears to involve both improper dispute handling and unauthorized withdrawal of funds. I am requesting immediate resolution. Additional information provided by consumer : XXXX Consumer wanted company to be updated to Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: MI

Complaint narrative:
Thank you for the response. However, the law firms reply does not address my primary concern regarding improper service. I maintain that I was never properly served in this matter. The proof of service reflects an address that I have never lived at, and there is no signature confirming that I personally received any documents. Additionally, the physical description of the individual allegedly served does not match me. Because of these discrepancies, I had no knowledge of the lawsuit at the time it was filed and therefore no opportunity to respond before a default judgment was entered. The response provided focuses on the existence of a judgment but does not provide sufficient evidence that proper service was made on me as required. This issue is currently being addressed through a Motion to Set Aside Default Judgment, with a hearing scheduled for XX/XX/year>. I respectfully request that the lack of proper service and supporting evidence be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: SC

Complaint narrative:
The Situation : Violation of Federal Dispute Rights On XX/XX/year>, I sent a formal written dispute and debt validation request to XXXX XXXX regarding an alleged debt of {$1800.00} from XXXX XXXX XXXX. I sent this letter to their correct mailing address : XXXX XXXX XXXX XXXX XXXX XXXX. According to XXXX tracking, the letter was successfully delivered and received by XXXX XXXX on XX/XX/year>, at XXXXXXXX XXXX What Happened Next ( The Violations ) Under the Fair Debt Collection Practices Act ( FDCPA ), once a collector receives a written dispute, they are legally required to cease all collection activities until they provide the consumer with verification of the debt. Instead of following this federal law, the following occurred : Failure to Validate : XXXX XXXX has failed to respond to my request or provide any of the itemized documentation I requested to prove the debt is legitimate. Illegal Reporting : Despite having " proof of notice '' as of XX/XX/XXXX, XXXX XXXX proceeded to report this unverified collection to my Experian credit report. Reporting an unverified debt after a dispute is received is a prohibited collection activity. Failure to XXXX as Disputed : My credit report dated XX/XX/year>, shows the collection is active but does not show it is " Disputed by Consumer, '' which is a secondary violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Impact on the Consumer As a result of these illegal actions, I have suffered significant distress and anxiety. I work hard to maintain a clean financial record, and seeing an unverified, nearly {$2000.00} debt reported against my name after I followed the correct legal steps to dispute it has caused severe mental strain and sleeplessness. The company 's blatant disregard for my federal rights has turned a simple validation request into a major source of personal and financial stress. What is Being Requested I am seeking the immediate deletion of this unverified collection from all credit reporting agencies and a formal confirmation from XXXX XXXX that they have ceased all collection efforts as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
I am a class member of a federal student loan misconduct settlement. I have already received a full federal discharge and a cash refund from the U.S. Treasury for my enrollment at a school federally recognized for fraud. Despite this federal recognition, my private loan servicer continues to collect on a debt originated for that same fraudulent enrollment. On XX/XX/year>, I submitted a formal Misconduct Discharge application to the servicer. They have failed to acknowledge receipt or process this application, which I believe is a violation of the XX/XX/year>, CFPB Enforcement Action regarding the mishandling of discharged student debt. To date, I have paid a total of {$66000.00} on an original loan of approximately $ XXXXrepresenting a 242 % repaymentyet the servicer still claims a balance of over {$22000.00}. Under the FTC Holder Rule, I am entitled to a full discharge of the remaining balance and total restitution of all payments made on this fraudulent contract. I have also filed a formal complaint with my State Attorney General. I demand an immediate administrative stay on all collection activity and a full refund of the {$66000.00} extracted by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NC

Complaint narrative:
I have tried activating my card since XX/XX/XXXX. I stay on hold as long as 3 hours to speak to anyone. I have spoke to numerous people now as well as email them my XXXX for I'd verification. I have sent numerous times as well as had my friends send to them assuring they get the requested reason for holding my money and not activating my card. Still no compliance from them I am overwhelmed by this. I have not been paid since XX/XX/XXXX. I'm in much need of my money and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I received a collection letter on XXXX. I disputed the claim and requested proof of responsibility. The collection agency provided an invoice with another person 's name and address. I disputed this " proof '' and the collection agency placed a negative report in my credit file. This is identity theft. I have filed a report with the Federal Trade Commission.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am disputing the below referenced account as identity theft. These accounts does not belong to me, was opened without my consent, and is the result of fraudulent activity. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$51.00} Acct # XXXX Capital One {$540.00} Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rosenberg & Associates Recovery Services
State: TX

Complaint narrative:
XX/XX/year>- received a call from this number trying to reach my husband for a debt he supposedly owes. I am NOT on any of his financial information nor is my personal cell phone number but I get these scam phone calls stating they have a civil case against him. I told them to remove my number from their list as I have nothing to do with this and I also know that my husband doesn't have any pending legal actions against him. The male on the other end got belligerent and called me an animal to get back in my cage and not make demands.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint against SoFi regarding an improperly denied ATM dispute. On XX/XX/2026, between approximately XXXX XXXX and XXXX XXXX, I attempted to withdraw cash from an XXXX ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX inside an am/pm gas station. While withdrawing funds in {$300.00} increments, the ATM shut off during the transaction. One {$300.00} withdrawal was debited from my account but was never dispensed. I only received approximately {$1500.00} before the machine powered off. I received a receipt, but the ATM malfunctioned before dispensing the final {$300.00}. I later used another ATM successfully, confirming the issue was with the original machine. I filed a dispute and an appeal, both of which were denied. SoFi claims no error occurred but has not provided any ATM audit logs, cash balancing records, or proof that the funds were actually dispensed. I am requesting a proper investigation under Regulation E, including review of ATM cash audit records, error logs, and any malfunction reports. I did not receive the {$300.00} and should not be held responsible for a machine malfunction. I am requesting documentation used in the determination, including ATM audit logs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I received an email from XXXX stating that my mortgage payment had not been received. My portal showed auto-pay as active and enrolled, so I immediately contacted AmeriHome to report the issue, trusting that auto-pay was active as displayed and that AmeriHome would resolve the processing error. I followed up again on XX/XX/XXXX, but did not receive a response until XX/XX/XXXX, after the XXXX late threshold had passed. In their XX/XX/XXXX response, AmeriHome confirmed in writing that auto-pay was assigned a start date of XX/XX/year> rather than XX/XX/year>, and that because of this the payment did not process for XXXX as expected. AmeriHome also confirmed that auto-pay enrollment was no longer active on the account and apologized for the confusion and inconvenience. Upon receiving this response I immediately submitted both XXXX and XXXX payments. Despite AmeriHome 's own written confirmation of the auto-pay start date discrepancy and their apology for the confusion, AmeriHome reported a 30-day late payment to all three credit bureaus, resulting in a XXXX drop to my credit score, which had zero prior late payments. I formally disputed this with AmeriHome on XX/XX/XXXX and received no response for weeks. I then filed disputes with all three credit bureaus. All three denied my disputes because AmeriHome continued to verify the late payment as accurate despite their own written confirmation of the auto-pay start date discrepancy. This mark is causing severe financial harm.

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 2026-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing a complaint regarding multiple unauthorized transactions on my Cash App account conducted by the merchant XXXX Coins. These charges were not approved or initiated by me. I have documentation proving that I was unable to make these purchases at the times they occurred. Unauthorized Transactions : XXXX {$8.00} XXXX {$9.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$29.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$84.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$34.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$140.00} XX/XX/XXXX {$99.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$9.00} XX/XX/XXXX {$49.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$79.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$59.00} XX/XX/XXXX {$59.00} I reported the unauthorized activity to Cash App and disputed these charges, providing substantial documentation. Despite this, my disputes were denied, and my account was closed, preventing me from resolving the issue or finishing the dispute process. I have contacted XXXX XXXX directly and have evidence they acknowledged the unauthorized nature of these charges. Still, no refund or resolution has been offered. Even if XXXX XXXX wanted to reimburse me they couldn't because cash app not only closed my account but blocked all deposits and that include refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with UPGRADE prior to loan approval. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me. After the funds were deposited into my bank account, I was instructed under false pretenses to transfer a portion of the proceeds as part of the supposed program requirements. On or about XX/XX/year>, I wired approximately {$38000.00} to third parties. I was told these funds would be used to make initial loan payments and qualify for forgiveness. An initial 1st payment was made in XX/XX/year>, which reinforced my belief that this program was legitimate. However, the individuals involved became unreachable, and the XX/XX/year> payment was not made on my behalf. At that point, I realized I had been the victim of a scam. In XX/XX/year>, with a completion in XXXX, I reported the fraud to UPGRADE, and also filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I formally submitted a written Notice of Fraud and Demand for Rescission and requested that this loan be treated as fraudulent, that all collection activity be halted, and that communication be conducted in writing only. Despite this, I continue to receive repeated collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status or any meaningful response addressing the identity theft. This is not a case of inability to pay. This is a documented case of identity theft involving false underwriting information, lack of authorization, and misrepresentation.

Company response to consumer: Closed with explanation