vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, a {$210.00} transaction occurred at XXXX that I did not authorize. My debit card was in my possession at the time, and I did not provide my card or card information to anyone. After noticing the transaction, I immediately froze my card. Following this, I received multiple notifications of attempted transactions at other merchants, including XXXX XXXX, a gas station, and XXXX. These attempts were declined because the card had been frozen. This pattern is consistent with unauthorized use of my card information. I filed a fraud claim with Navy Federal Credit Union, which was denied. I then submitted an appeal and provided documentation, including evidence of the additional attempted transactions and a receipt from XXXX showing the purchase involved gift cards. Despite this, the claim remained denied, with the explanation that their information contradicts my report, without providing clear evidence of how the transaction was authorized. I have also filed a police report documenting this unauthorized transaction and the related fraudulent activity. My debit card was also scheduled to expire around this time, and I had not received a replacement card, so it is possible that my card information was compromised without my knowledge. I requested documentation showing how the transaction was verified, including the authentication method and merchant details, and clarification on whether the evidence I provided was considered. I am requesting that this matter be reviewed and that the unauthorized transaction be refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-17 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: TX

Complaint narrative:
On XX/XX/XXXX I received from Cash App in messages that my phone number had been unlinked from my Cash App account, new device login, device XXXX, location near Tx, United States. Cash App my card was deactivated because it was declared stolen. I called Cash App immediately and informed them that the charge from XXXX was not my charge it was for {$380.00} dollars, date of charge was XX/XX/XXXX. I also received an email notice, We suspect possible fraudulent activity on your account and have temporarily locked it. When I contacted Cash App to dispute the charge I was told that I would receive within 45 days their decision on my claim of a fraud charge. I never received an email which I was told on XX/XX/XXXX one had been sent to me. My bank was charged {$390.00} for this fraudulent charge. I contacted my bank and went to fraud department to have the charge reversed, I contacted my local law department to file a claim for fraud charges I have that claim number. On Wednesday XX/XX/XXXX I received from my bank notice that I would be charged the {$390.00} based on report from Cash App. I called Cash App immediately and was told I couldnt dispute their decision because it had been longer than 45 days and that I was sent an email on XX/XX/XXXX with their decision. I never received any email. The charge for XXXX was not my charge I notified Cash App it was a fraud charge but never received any information of their decision. Im not in the habit of filing false claims nor do I want to go to jail for filing a false report with our law enforcement. I called on XX/XX/XXXX wanting to speak with a manager or supervisor and was told they only respond through email as of today XX/XX/XXXX I havent heard from anyone at Cash App. I left my email address and my phone number to be contacted. This has been a nightmare for me Im out {$390.00} for a fraud charge through Cash App and my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I paid off my car loan back in XX/XX/year>. I called TD Auto after not receiving the title a few weeks later. They instructed me to go to the XXXX, which I did. The XXXX told me that TD Auto had not digitally released the title, and I had to call them back. I called back and was then told they were working on an issue with the title. I asked what the issue was, and they claimed XXXX had a hold on my title and that they had sent a request for release to XXXX. That makes no sense, as the car was bought used from XXXX and financed through TD Auto before I left the dealership. I called XXXX and was told there was never any hold and that they have nothing to do with the title. I have tried calling TD Auto again and was on hold for an extended period of time. At this point, I can't trust TD Auto and need help to receive my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding an unfair returned payment fee charged by Citibank. The initial payment attempt was not declined due to insufficient funds or any action on my part. Instead, it was automatically blocked by my banks fraud prevention system, which required verification to confirm the transaction was legitimate. I responded immediately upon receiving the alert and promptly completed the payment successfully. At no point did I refuse payment, nor did this situation result in any financial loss to Citibank. Despite these facts, Citibank imposed a returned payment fee and has refused to waive or refund it. Their justification is that any failed initial attempt automatically results in a fee, regardless of the reason. This policy is unfair and unreasonable when applied to situations involving third-party fraud protection measures that are entirely outside of a customers control. Customers can not anticipate or prevent such security blocks, nor is it realistic to expect customers to preemptively notify their bank of potential fraud triggers. Furthermore, I made a good-faith effort to resolve this issue directly with Citibank, but their response was dismissive and unhelpful, offering no reasonable accommodation despite the circumstances. I am requesting that Citibank refund this returned payment fee and review its policy to ensure customers are not penalized for security-related payment interruptions beyond their control. Additional information provided by consumer : XXXX Consumer stated that the company she wants the complaint to be sent to is Citi Cards XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX.

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 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
EASTERN ACCOUNT SYSTEM collecting a false debt from XXXX, i never opened up this debt!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. Federal student loans were opened in my name for XXXX University, a school I never attended. My loan servicer, Aidvantage, has been notified of this fraud, but the issue has not been resolved. I have been directed back and forth between Aidvantage and XXXX University without any resolution. A representative from XXXX University has verbally confirmed that there is no record of my attendance, yet no documentation has been provided, and the fraudulent loans remain active. I have filed a police report and am in the process of submitting an Identity Theft Report through XXXX. I am requesting : Immediate investigation of these fraudulent loans Removal of all loans associated with identity theft Suspension of all collection activity This is a case of identity theft and fraudulent federal student loans, and I am requesting that this be handled under False Certification Discharge regulations. I am seeking urgent resolution and written confirmation of actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am an XXXX XXXX military service member currently stationed in the state of Florida. I am submitting this statement to report that fraudulent accounts have been opened in my name without my knowledge or consent. I have identified unauthorized accounts appearing on my consumer credit report that I did not open, authorize, or benefit from in any way. These accounts are the result of identity theft and I am disputing them as fraudulent. As an XXXX XXXX servicemember, I am afforded protections under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( b ) ( 3 ), as well as the Economic Growth, Regulatory Relief, and Consumer Protection Act, which provides XXXX XXXX military consumers with the right to place an XXXX XXXX Alert on their credit file, requiring creditors to take reasonable steps to verify identity before extending credit. Illegal Accounts XXXX XXXX XXXXXXXX # XXXX XXXX : XXXX {$270000.00} : Fraud : XX/XX/XXXX XXXX XXXX : # XXXX XXXX XXXX : Bal {$0.00} Fraud : XX/XX/XXXX XXXX XXXX XXXX # XXXX : Bal {$280.00} : Fraud : XX/XX/XXXX XXXX XXXX Management : # XXXX : Bal {$180.00} : Fraud : XX/XX/XXXX XXXX XXXX Bank : # XXXX : Bal {$0.00} : Fraud : XX/XX/XXXX I further assert and your agency has failed to provide a resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act. I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: MA

Complaint narrative:
On XX/XX/year>, I mistakenly sent {$2000.00} through Cash App to the wrong user, XXXX XXXX, with the Cash Tag $ XXXX. The payment was intended for XXXX XXXX, to whom I was repaying part of a loan. I do not know XXXX XXXX and have never had any prior transactions or relationship with this person. Because I regularly send money to XXXX XXXX, I assumed the tag I selected belonged to her. During the transaction process, the system did not prompt or warn me to confirm whether I knew the recipient, even though it was the first time I had sent money to that particular XXXX XXXX. Immediately after realizing the mistake, I contacted Cash App support and attempted to dispute the transaction and request a refund. However, I was repeatedly directed to automated chatbot responses that placed me in a loop regarding how to dispute the transaction and request that the recipient return the funds. At the same time, I contacted my bank to report the issue. My bank informed me that the transaction was still pending on their end and that they could not stop it until it had fully processed. I continued to seek assistance from Cash App support, but the only guidance I received was to submit a dispute and request the money back from the recipient directly. On XX/XX/year>, the recipient, XXXX XXXX, declined my request to return the {$2000.00}. After this, I was finally provided with a customer support phone number. Since then, I have spoken with several overseas support representatives who have not been able to provide meaningful assistance beyond repeating the same script : asking the recipient to return the money voluntarily. Cash App requires Know Your Customer ( KYC ) verification for its users, which means the company has the ability to identify and communicate with its account holders. Despite this capability, Cash App has failed to effectively intervene or directly contact the recipient regarding the mistaken transfer. I reported the issue immediately after the transaction occurred and have made multiple attempts to resolve the matter. Given that Cash App manages the platform and its users, I believe the company should take stronger action to help recover the funds or facilitate communication with the recipient. This money was part of a loan repayment, and I am currently paying interest on the borrowed funds. Recovering the {$2000.00} is extremely important to me, and I am requesting that Cash App take further action to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IN

Complaint narrative:
I Q Data XXXX are trying to collect a debt from XXXX they say I owed even those I was deployed for 120 days ( Which is protected by the SCRA ) and when I was trying to to provide them with proof the lady said So to me having serving. Then Ive never received information that it was for collection til I seen it on my credit report. Never have I received a letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
I contacted Jefferson Capital Collections via telephone after XXXX searching for a number. I asked for clarity n what debt was believed to be owed. Agent requested personal information such as name, telephone, email, etc and then informed me that it would cost XXXX dollars to process whatever report to tell me what debt, when, and where it came from. I asked why I had to pay to get information, Agent replied that was how he could view the report. And that he could not see what it was without me paying the fee. I declined. I also attempted to dispute collection via CRA for insufficient and/or incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: NJ

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$18000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: VA

Complaint narrative:
I received a message stating My Account violated a policy and I requested information and all I was told was I could appeal which I did within 60 days and it was denied. I chatted with the customer service and emailed and I was told they could not tell me what I violated.

Company response to consumer: Closed with explanation