vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: GA

Complaint narrative:
I am submitting this complaint regarding an unfair and inaccurate collection account arising from a gym membership with XXXX, which has been improperly reported to my credit. I made multiple good-faith attempts to cancel my membership ; however, XXXX refused to process my cancellation unless I provided medical documentation. I believe this requirement constitutes an unreasonable and potentially deceptive barrier to cancellation, as consumers retain the right to terminate recurring services without undue burden. Despite my efforts, XXXX continued billing and subsequently placed a collection account in the amount of {$160.00} on my credit report. Additionally, I never received any prior written notice, billing statement, or communication indicating that my account was delinquent, pending collection, or had been referred to a third-party collection agency. This lack of notice deprived me of the opportunity to dispute or resolve the matter prior to negative credit reporting. Upon discovering the collection, I promptly contacted the collection agency, Aldous & Associates , PLLC, to request validation of the alleged debt in accordance with my rights under the Fair Debt Collection Practices Act. During this interaction, I spoke with a representative identified as XXXX, who provided an incorrect email address for submission of my validation request and a copy of the alleged contract ( XXXX ) which is not my email address and then terminated the call prematurely. This conduct obstructed my ability to properly exercise my rights to dispute and validate the debt and raises serious concerns regarding the agencys compliance with federal law. Based on the foregoing, I dispute this debt in its entirety for the following reasons : I made attempts to cancel my membership in good faith XXXX imposed unreasonable and improper conditions for cancellation Charges were incurred after my cancellation attempts I did not receive required notice prior to collection or credit reporting The collection agency failed to provide a meaningful opportunity for debt validation This conduct may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to provide proper notice of debt. Reporting inaccurate or unverified information to credit bureaus Engaging in unfair or deceptive practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: NE

Complaint narrative:
I spoke with an extremely rude, and hostile customer service representative named XXXX today XX/XX/XXXX at XXXX XXXX. She pushed her personal beliefs on me and made sure that I felt bad about my current situation. I have been waiting for XXXX forgiveness for over XXXX XXXX, and she asserted her opinion that I am doing something wrong. That by not making payments I am doing something that is morally wrong. And in her opinion is very wrong. She even used the phrase they cant turn water into wine. These loans greatly impact on my life, and having someone personally attack me the way she did is extremely inappropriate. I have done nothing illegal, and I have full legality to have my loans forgiven. Everytime I call I get a different answer, and no one can help me with things that I need. They want me to switch plans one time, and then they have told me that it would impact my buyback request another. Every time I call I get a different answer.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I currently have XXXX credit cards with capital one. I was preapproved for a XXXX card with a higher limit. I requested and accepted the card and it arrived a week ago. I was not able to activate the card online. There was a restriction placed on it for some reason. I called and they requested further verification of me by sending my passport ID through a link that does not work however I was successful in uploading this passport ID through a link they sent that now they say, was designated for a photo ID, even though they actually see it on their end. I have tried this link at least XXXX times with various managers in the fraud department. The link they send does not work!!!!!! I requested for someone to manually override the system and accept my passport ID with a selfie straight to the managers email, and they all answer one robotic answer of it cant be done. I have lost patience, calling them all day every day for the last XXXX days. At this point, I have a credit card that I can not use. A tarnished credit score with no reward. They refused to transfer the approved credit line amount to be added to the existing card, but no one offers any solution. I feel like Im talking to robots one after the other with no technical support to solve the problem. Im appealing to you to find me a fair solution to be able to use my card, which now they see was linked online to my other XXXX cards. I dont see the difficulty and realizing that by linking that card to my other cards, I have already verified that I am who I am. Your help is much appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a series of unauthorized electronic fund transfers of {$1400.00} and {$1500.00} totaling {$2900.00} that occurred at XXXX on XX/XX/XXXX. These funds were pulled from my linked XXXX XXXX XXXX account/debit card via Cash App without my permission or authorization. I was then blocked/kicked from my cashapp account and can not get back in. I received a notification where my email, device, card, and pin were changed/removed. My account was accessed by an unauthorized third party and the funds were sent to the name XXXX XXXX XXXX ' I did not initiate these transactions, I did not authorize this individual to access my funds, and I have received no benefit from these transfers. I am exercising my rights under Regulation E ( 12 CFR 1005.11 ). I have notified both Cash App and XXXX XXXX XXXX of these unauthorized transactions. Cashapp 's investigation [ XXXX ] is still ongoing and no provision credit has been given as of XX/XX/XXXX. XXXX case number is [ XXXX ] I have filed a police report [ XXXX ] to document this criminal access to my financial accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CLGF Holdco 1, LLC
State: WY

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX The company said on the phone, and the n writing, they couldnt verify my identity. Therefore, they do not have a right to hold me accountable for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Auto XX/XX/year>, XX/XX/year> Unauthorized/Unrecognized Inquiry I was incarcerated during this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I was transferring {$100.00} into the Wise account using a credit card so that I can send the money to a family member who lives in XXXX XXXX due to a passing of a family member. I used my family members name and phone number that is associated with him and the money was transferred through. However my family member did not receive the money even after 1-2 weeks of waiting. He checked his bank account and opened up his account using Wise associated with his bank account and nothing from Wise was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am writing to submit a complaint regarding a recent service fee charged on my U.S. Bank business savings account. My account was opened on or about XX/XX/year>, and I deposited {$25000.00} in new funds within 30 days of opening the account. I have made a good faith effort to meet the account requirements and maintain a meaningful balance. I noticed that a {$30.00} service fee was charged on XX/XX/year>. Given my recent account activity and commitment to maintaining the relationship, I kindly request a one-time courtesy refund of this fee. I appreciate your time and consideration, and I look forward to continuing my relationship with U.S. Bank.

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 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I recently received my credit report and observed that there inaccuracies with it that is causing major problems to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am a victim of identity theft. I have never knowingly opened, authorized, or used any of the accounts currently being reported under my name through XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. There are multiple fraudulent accounts and activities tied to my identity, including bank accounts, telecommunications accounts, and check activity that I do not recognize. Unauthorized Bank Accounts : XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX reported in XXXX XXXX XXXX XXXX reported in XXXX These accounts also show check deposits and returned checks. I have no knowledge of these transactions. I have never opened or used accounts with these institutions, nor have I deposited or written any checks associated with them. Unauthorized Telecommunications Accounts : XXXX XXXX XXXX with XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX XXXX XXXX unknown dates XXXX around XXXX XXXX unauthorized account activity I have never lived at or authorized any services at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX in XXXX with a XXXX account or any other provider. Unauthorized Credit Account : XXXX XXXX Bank reported around XXXX or XXXX of XXXX or XXXX I did not open or authorize this account. All of these accounts and activities are fraudulent and the result of identity theft. I have never had legitimate banking relationships, telecommunications accounts, or credit accounts associated with these institutions. Despite this, this inaccurate and harmful information continues to be reported through XXXX XXXX XXXX and XXXX XXXX XXXX, causing me financial harm, denial of services, and ongoing distress. I formally dispute all accounts, transactions, addresses, and inquiries associated with this fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am disputing the late payment history and delinquency currently being reported on my credit profile, as it is inaccurate and damaging. These accounts should not reflect any late payments and must be updated to Paid as Agreed. The continued reporting of this incorrect information is unacceptable and must be corrected without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I have called multiple times and attempted to go through their confusing process of being able to make my payment in addition to even checking details of the current credit card company. Even for them to provide a special link code to make a payment even easier by bypassing their predatorial tactics of forcing to use their website with cookies and not being able to opt out or opt out of a few but certain ones you can't opt out of. The fact that they offer just a link option shows it's confusing to do so. They then, don't provide any information of when that convenient no interest date ends. So now I'm getting hit with insane interest even while making payments. I have no problem paying the amount I owe. But they make it so difficult to gain access that I'm not aware when that date ends of XXXX interest. I complained and nothing is done or considered. Please do what you can to deter this behavior. Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
An amount of {$1100.00} was wrongly reported on my credit report on XX/XX/year> by LVNV Funding LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: NC

Complaint narrative:
I wanted to bring to your attention an issue Ive encountered with a recent dispute I filed through XXXX. Despite submitting all relevant evidence directly to XXXX, they did not review or consider this information. Instead, they resolved the dispute by agreeing with the merchant without factoring in any of the documentation I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: DE

Complaint narrative:
I opened a personal checking account with BMO on XX/XX/year> and all documents were finalized and signed. However, after communicating with BMO customer service for days, I am still unable to see the new checking account on Online Banking. The bank fails to provide a solution ; they told me to wait without a timeframe instead.

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 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HoldCo LLC
State: NC

Complaint narrative:
I have provided the bitcoin depot wallet address of where my funds went in this submission. This is my last follow up to my original complaints as Im still seeking funds in the amount of {$22000.00} ( plus the {$1000.00} that Bitcoin Depot has promised to send ) to complete my financial relief. I retained legal counsel right after the scam and still have my lawyer, I attempted to have my local police department assist other than just taking my statement and report, and attempted to get my State Bureau of Investigation involved- but as {$48000.00} is below the threshold of concern, the police have closed my case out and wont help any further. Having provided information on cash that was lost during my scam ( {$48000.00} ) showing that money came directly from my bank account and all deposited at the same location on the same date and timeframes while also providing receipts for {$48000.00} in transactions- it is devastating to me that my funds can not be refunded. Bitcoin Depot has a {$25000.00} daily maximum amount and the scam was {$48000.00} total, so there is no way around the {$23000.00} deposits coming from the number that started in either a 6, 7 or 9 ( thats all I can remember outside of the last 4 digits ) and ending in XXXX ( as this again is the number that the scammer told me I HAD to use or Id be arrested if my remaining funds werent received ) - being threatened on the phone with jail that day and an active arrest warrant - there is no way that I can provide any additional information because Ive provided receipts and bank statements, my arrest warrant that was provided to me and the QR codes for the wallets that the funds went into. This was a heinous crime that was committed against me and I have spent months sending messages and making calls trying to get help - and as I have zero information other than the wallet addresses for where my money went - I guess Ive got no choice but to realize that theres nothing more anyone is willing to do to assist my family and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been attempting to resolve an issue with my mortgage for several weeks and have been unable to get Truist to communicate with me despite repeated efforts. Following the death of the borrower, my husband, ownership of the property was legally transferred through probate over seven years ago. Despite this, Truist has required Successor in Interest documentation and has refused to speak with me about the loan until this is processed. I submitted the requested documentation, but Truist continued to delay processing and requested additional items in a piecemeal manner rather than all at once. Most recently, I was told to resubmit part of a form and then later told I needed to prove that XXXX XXXX and XXXX XXXX XXXX are the same person, which could have been requested earlier but was not. During this time, I repeatedly attempted to contact Truist by phone and email to obtain basic information, including the reinstatement amount and confirmation of my loan status. My emails have gone unanswered, and when I call, I am told they can not speak with me due to the documentation issue. The delinquency was caused by a minor autopay discrepancy in which my monthly payment increased from {$1500.00} to {$1500.00}, and the difference was not captured over several months, resulting in arrears I was not aware of at the time. Upon becoming aware of the issue, I immediately took action, obtained the reinstatement amount independently, and wired the full amount necessary to bring the loan current. The automated system now reflects that the loan is current. However, even after payment, Truist continues to refuse to communicate with me or provide confirmation that the loan is current or that foreclosure activity has been stopped. My home was scheduled for foreclosure on XX/XX/XXXX, and I have been actively trying to resolve this for weeks while having the funds available the entire time. The primary barrier has been XXXX refusal to communicate due to a documentation technicality, despite the fact that ownership was already legally established through probate. I am requesting confirmation that my loan is current, that foreclosure activity is not proceeding, and that Truist correct its records to reflect my ownership and allow full access to my 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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
Cedars Business Services keeps calling about a debt that does not exist. This has been ongoing for multiple months, they have false information regarding the email address associated with my name and keep referring to me as my father 's name. They insist we owe {$800.00} to XXXX but I have spoken with XXXX representatives and we don't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized collection activity being reported and communicated by Jefferson Capital Systems. Jefferson Capital Systems is claiming that I owe a balance ; however, I have no account, agreement, or contractual relationship with this company. I have not opened an account with them, nor have I authorized them to collect any debt on my behalf. Despite this, they are reporting or attempting to collect a balance that I do not recognize for the amount of {$630.00}. This is extremely concerning and appears to be a violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, which require debt collectors to report accurate information and properly validate any alleged debt. At this time, I am formally disputing this alleged debt in its entirety. I am requesting the following : Immediate investigation of this matter. Full validation of the alleged debt, including the original creditor, signed agreement, and full accounting of the balance. Immediate removal of any negative reporting related to this account from my credit file with XXXX XXXX and XXXX if they can not provide proper validation. Immediate cease and desist of all communication and collection attempts regarding this alleged account and these three account remove from my credit.

Company response to consumer: Closed with explanation