vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
My account was placed on a Borrower 's Defense Forbearance on XX/XX/XXXX. This statement is to address concerns regarding the current status of the loan, which is still in a Borrowers Defense forbearance, and the inconsistency in reported payment counts. While the loan has been placed in forbearance, the tracking of qualifying payments appears to be inaccurate and does not consistently reflect an accurate account. This discrepancy has created confusion and uncertainty regarding progress toward repayment or forgiveness milestones. A thorough review of the account is requested to ensure that all eligible payments are properly counted and that the loan status is accurately maintained going forward. There has been almost XXXX years with payments not updated or qualified XXXX period, XXXX period, XXXX period and XXXX periods. I have been instructed by several agents when I call to submit a reconsideration, this has been done in XX/XX/XXXX ( case # XXXX ) XX/XX/XXXX ( case # XXXX ), again in XX/XX/XXXX ( case # XXXX ), all being denied. They are being denied because I am still in the Borrower 's Defense Forbearance, which I did not request. Now they are forcing me into signing up for a payment plan. Every time I call, I get the run around and I am told something different to do. My last call was XX/XX/XXXX I spoke with XXXX and was told that I needed to submit another employment verification because the previous one was closed on XX/XX/XXXX although it was submitted on XX/XX/XXXX and received by Federal Student Aid on XX/XX/XXXX and not processed due to their error, I need to resubmit and the count starts over again. This has been a revolving door that need to be closed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Company Name : Block, Inc. ( Cash App ) Complaint Summary I have been unable to access or transact with my Cash App account for approximately XXXX months. This includes being unable to buy, sell, or transfer XXXX and stocks held within my account. Despite multiple attempts to resolve this issue with Cash App support, I have received no meaningful assistance or resolution. I have been repeatedly told that I would receive follow-up emails, but I have never received any such communication. What Happened ( Detailed Explanation ) For the past several months, my Cash App account has been effectively frozen or restricted without clear explanation. During this time : I have been unable to execute transactions involving XXXX or stocks. I have been unable to transfer funds or liquidate my positions. I have missed multiple market opportunities due to this restriction. I contacted Cash App support numerous times. Each time, I was told that the issue would be escalated and that I would receive an email with further information or instructions. However : I never received any follow-up emails. No timeline or explanation was provided. The issue remains unresolved. This has caused financial harm due to lost trading opportunities and lack of access to my own assets. Why This Is a Problem I am being denied access to my own funds and investments. The company has failed to provide adequate customer support or communication. There is no transparency regarding why my account is restricted or how to resolve it. This has resulted in financial loss and ongoing inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Mz kezboard is locked in German language mode from studzing German at XXXX. On the evening of XXXX XXXX I was unable to login into the web page for XXXX account XXXX at the Marcus savings platform of Goldman Sachs Bank USA. I called support and thez told me that someone tried to login in to mz account from XXXX. I live in XXXX. So thez closed the account and I asked for the balance to be transferred to mz linked external account at XXXX XXXX XXXX that I had set up with Marcus for the last XXXX zears. The transfer just never went through. And repeated calls to the support line just exposed more and more incompetencz. I need the $ XXXX in the account to paz mz state and federal taxes soon. I communicated that time is of the essense but that made no impact on the support line people. This kind of problem is widelz reported against Marcus Goldman Sachs on the internet. See XXXX for example.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
See attached I was released from lease and my husband name was removed from lease and they are trying to go after him as well for the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: FL

Complaint narrative:
Firstsource Advantage sent me a written communication acknowledging that the alleged XXXX XXXX XXXX account is timebarred and legally unenforceable. The email states that the law limits how long you can be sued on a debt and that XXXX XXXX XXXX will not sue for this account. This admission confirms the debt is beyond the statute of limitations. However, Firstsource previously contacted me regarding this account without providing the mandatory timebarred debt disclosure required under the FDCPA and CFPB Regulation F. Courts have held that collectors must provide accurate, nonmisleading information about the legal status of a debt, including when it is too old to sue on. XXXX XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( holding that attempting to collect a timebarred debt without clear disclosure is misleading under the FDCPA ). Additionally, Firstsources continued attempts to collect, including offering payment plans, create the false impression that the debt is legally enforceable, which violates the FDCPAs prohibition on deceptive practices. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( finding that collection attempts on timebarred debts can mislead consumers into believing the debt is enforceable ). If the account is being reported to credit bureaus, the reporting must accurately reflect its timebarred status. Furnishers have a duty to avoid misleading or incomplete reporting under the FCRA. See XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( furnishers must conduct reasonable investigations and avoid inaccurate reporting ). Any updates or continued reporting of a legally unenforceable, obsolete debt may constitute inaccurate furnishing. I am requesting that the CFPB require Firstsource Advantage and XXXX XXXX XXXX to : ( 1 ) cease all collection activity on this timebarred account ; ( 2 ) correct or delete any credit reporting related to this account ; and ( 3 ) provide documentation of compliance with FDCPA, FCRA, and Regulation F requirements. -- -

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CashRepublic Holdings, Inc.
State: AE

Complaint narrative:
I emailed the company, Omni military loans on XX/XX/XXXX to inquire about the SCRA and the lawsuit. They sent me a letter saying I didnt qualify

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX Wells Fargo bank closed my personal debit account without any prior notice or explanation. Simultaneously, my mobile phone number and email address were permanently blocked in the XXXX system with a " permanent restriction '' status. I personally visited the bank branch in XXXX, CA, to clarify the situation and understand the basis for these restrictions. However, the branch staff demonstrated complete incompetence : they were unable to provide any information, failed to explain the reasons for the XXXX block, and took no action to resolve the issue. Furthermore, I contacted XXXX, and they informed me that the restriction in their system was placed by Wells Fargo. Following this, I made several calls to both customer support and the loss prevention department, but no one could explain what was happening. I consider Wells Fargo 's actions to be unlawful and non-transparent. The bank not only unilaterally terminated my service but also deprived me of the ability to use a national payment service ( XXXX ) in the future, without providing any opportunity to contest this decision or learn its cause. I demand : Provide an official written explanation of the reasons why my phone number and email were permanently restricted in the XXXX system. Remove the unfounded restrictions from my contact information in the XXXX system, as I have not committed any fraudulent activities.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: VA

Complaint narrative:
Company is reporting a debt to my XXXX credit report. I have attempted multiple times to request debt validation and have received nothing from this company

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 2026-04-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I submitted an application to open an IRA account with Citibank by mail over two weeks ago and have not received any response or confirmation. I have made multiple attempts to contact Citibank through phone support, but the automated system consistently states that assistance is unavailable. The online chat function is also unable to handle IRA-related requests. Currently, there appears to be no accessible channel to obtain support for IRA accounts, and I am unable to get any status update on my application. Please escalate this issue to the Retirement Plan Services team and arrange a callback as soon as possible. This matter has been pending for an extended period without any resolution. Thank you.

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 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
I have a loan that closed with Cross Country Mortgage in XX/XX/year>. I was promised that the company would reduce our loan % to XXXX XXXX and honor Ohio SCRA clauses as my wife and I are XXXX XXXXXXXX XXXX stationed in XXXX. For this reason and the fact that we enjoy working with our assigned mortgage consultant we chose to proceed with borrowing from your company. Because we were going to get our rate reduced we purposely chose an higher rate that had lesser initial fees ( as recommended by our lender ). After closing, their team refused to adjust our loan amount. I have submitted multiple official letters and inquiries that fully outline the legal requirements for our loan % to be reduced. All went unanswered for over a year. Then their legal department came back and said that they would not reduce it and we had no proof of them doing this. Regardless of proof, it is an XXXX law that the SCRA debts are honored for currently serving XXXX XXXX. They simply said no. This is putting undue hardship on our family and has required a massive amount of effort on my part to try to get this corrected. At this point rates are even lower than the XXXX XXXX we are asking for. If you are able to assist in any way, my family would very much appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
So I deposited a check to my Huntington bank account on XX/XX/year> for {$2900.00} the check is made out to XXXX XXXX for XXXX XXXX the check is for my XXXX XXXX XXXX daughter XXXX check today is now XX/XX/year> and the still haven't released the hold they told me to sign a endorsement released form for my daughter at my nearest branch so I did at the Huntington bank at the XXXXXXXX XXXX location, that branch has sent the endorsement released form to the Huntington hold department XXXX times and the hold department keep saying they haven't received it somebody is lying to me I need this money for my daughter this has caused me emotional distress, I have been crying for XXXX weeks it seems like no one is helping me it making my head hurt please I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: PLAZA HOME MORTGAGE, INC.
State: TX

Complaint narrative:
I purchased my home with the intention of occupying it while I renovated. However, the XXXX that I hired went MIA in the middle of renovations leaving me with incomplete work and funds depleted. In XX/XX/year>, I found a realtor and applied for a short sale. I accepted an offer and my mortgage servicer ordered an appraisal in XXXX. XXXX XXXX is the investor backing the loan, and they do not share the appraisal report or value, however, the servicer countered the offer, the buyer came up to {$220000.00} and myself and my realtor received verbal confirmation on a phone call with the servicer that the offer is approvable, but that was over two months ago in XXXX. My realtor and I have since called the servicer everyday and there is yet to be an update on the approval letter issuance so that we can close. This buyer has been extremely patient and I do not want them to walk away but they've now done multiple extensions to the contract and the contract now expires XXXX and there is still no update. We are not able to speak to a XXXX when we call in. I would like someone in upper management at Plaza Mortgage to step in and issue the approval letter before it is too late and I lose this buyer and risk the possibility of going into foreclosure. All requested documents and verbiage have been submitted multiple times. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Complaint Regarding Attempted Collection of Previously Deleted and Unverified Debt To Whom It May Concern, I am submitting this complaint regarding an alleged debt that has been improperly placed with a third-party collector after it was previously disputed and deleted due to lack of verification. The account in question was originally associated with XXXX XXXX and was later assigned to XXXX XXXX. I previously filed a complaint and dispute through the Consumer Financial Protection Bureau ( CFPB ) regarding this same alleged debt. During that process, the company was unable to properly verify the account, and the tradeline was subsequently removed and deleted from my credit report. Despite the debt previously being unable to be verified and removed, it now appears that the account has again been transferred or reported through a third-party collection agency. This action raises serious concerns because if the debt could not be verified during the initial investigation, it should not continue to be circulated or pursued for collection. I never provided verification or acknowledgement of this debt, nor have I received documentation proving that I am legally responsible for the balance being claimed. To date, no sufficient proof has been provided showing : A signed agreement or contract bearing my signature Documentation proving the account legitimately belongs to me A clear chain of assignment showing how the debt was transferred to the current collector A complete accounting of the alleged balance Because the debt was previously disputed and deleted due to lack of verification, the continued attempt to collect or transfer the alleged account appears to be improper and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that the CFPB review this matter and require the company to either provide legitimate verification of the alleged debt or permanently delete and cease any further collection activity associated with this account. If the company can not fully validate the debt, it should not continue to be reported, transferred, or collected. I am seeking a full resolution of this issue, including confirmation that this alleged debt will not be reported or pursued again in the future. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: 2288984 Ontario Inc.
State: AL

Complaint narrative:
they contacted another person of the debt and discussed it with them which violated my privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Frequent phone calls about the balance after an accident happened on the loan listed they want the un paid balance of the loan.

Company response to consumer: Closed with non-monetary relief