vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am filing a complaint against National Credit Systems regarding unprofessional and potentially improper debt collection conduct during a phone call concerning an apartment debt from XXXX XXXXXXXX XXXX. During the call, I attempted to discuss a settlement letter I previously received and requested written verification of the debt. I explained that I had already mailed correspondence regarding the matter and had not received a response. The representative repeatedly interrupted me, spoke over me, and made statements such as youre ruining things for yourself, you need to stop, and take it easy, despite me remaining calm and simply requesting information about the account and prior communications. I also asked how I could obtain a copy of a previous recorded call after another representative allegedly behaved in a belligerent and disrespectful manner toward me. The representative refused to clearly explain how I could retrieve call recordings and became confrontational when I asked questions regarding the account and settlement offer. There were also inconsistent statements regarding settlement terms and deadlines. I was initially informed that I had until Friday to accept an offer, while the written communication I received appeared to provide a longer timeframe. Importantly, during the call I specifically requested : * validation of the debt, * itemized charges, * verification of the collectors authority to collect, * and all related information in writing by mail. The representative acknowledged that National Credit Systems does not own the debt and is only servicing the account for another entity. I believe the communication was misleading, intimidating, and unprofessional. I am requesting that National Credit Systems : XXXX. Provide full written validation of the alleged debt ; XXXX. Provide copies of all settlement offers and communications ; XXXX. Provide copies or access to recordings related to my account ; XXXX. Investigate the conduct of the representatives involved ; XXXX. Cease hostile and unprofessional collection practices. I am also requesting confirmation that all future communications regarding this matter be conducted in writing. I am also requesting that someone in management review the recorded phone call that took place today at approximately XXXX a.m. regarding my account. I believe the representatives tone, interruptions, and statements toward me were inappropriate and unprofessional while I was attempting to calmly request written verification and discuss the matter responsibly. I would like this call preserved and reviewed as part of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sezzle Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from allXX/XX/XXXX credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
MOHELA generated a bill on XX/XX/year> demanding a double payment for a missed cycle, proving they failed to provide the federally mandated XXXX day advance notice before penalizing my account.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SOFI TECHNOLOGIES, INC.
State: MD

Complaint narrative:
I experienced an involuntary job loss and am currently earning a limited income doing gig work to survive. My student loan payment with SoFi is hitting 30 days past due today/tomorrow. I contacted SoFi directly to request the " Involuntary Unemployment Forbearance '' program advertised on their official website. The representatives refused to offer any payment plans, forbearance, or hardship options, stating none exist.I am prioritizing basic survival ( rent, food, utilities ). SoFi 's refusal to evaluate me for their standard hardship programs is causing immediate, severe credit damage during an involuntary job transition. I request that SoFi corporate compliance review my account, grant a retroactive hardship forbearance to cover this delinquency, and halt negative credit reporting while I search for employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: AL

Complaint narrative:
The account was reportedly sold or transferred to a XXXX party, and I request full validation of the debt, including proof of ownership, the original signed agreement, payment history, and documentation showing the legal right to collect.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was previously a customer of XXXX XXXX XXXX with XXXX. That shifted to Citi. As part of the shift, it stopped my autopayment and I have never missed a payment. In the shift, I missed a payment and rectified it immediately by paying the full balance. Even after paying the full balance and having the funds withdrawn from my checking account, Citi has still maintained a hold on my card and I can not use it for purchasing anything. I called to try and ask about whether the hold was from my bank or an internal process to Citi and they would not answer whether that was or was not the case. As part of this, Citi also reported my payment issue to credit reporting agencies and my credit was lowered as a result of this process.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I am requesting an escalation and reinvestigation of the {$110.00} charge from XXXX XXXX dated XX/XX/XXXX. This charge was not authorized by me, and the merchants rebuttal is factually incorrect. XXXX XXXX charged my card for a membership belonging to my daughter, XXXX XXXX. However, when she visited the XXXX XXXX location in XXXX XXXX, she was informed that her membership is not active. This proves that the charge was not valid and that XXXX XXXX did not provide the service they claim. I am submitting this escalation because : I did not authorize a renewal for my daughters membership. XXXX XXXX charged my card without permission. The membership they charged me for is not active, meaning no service was provided. The merchants rebuttal does not match the facts. Under the Fair Credit Billing Act, unauthorized charges must be removed when the cardholder did not approve the transaction and the merchant can not prove authorization. XXXX XXXX has not provided any proof that I approved this charge. This situation has been going on from XX/XX/XXXX. I am requesting your help with this. Please refund me my {$110.00} for no service rendered.

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 monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
AES XXXX American Education Services XXXX PHEAA ) reported a XXXX past due notation on my student loan account to all three credit bureaus. The delinquency was caused entirely by an AES internal processing error, not by any missed or late payment on my part. AES has now refused to correct the error despite their own representative confirming the error on a recorded call. FACTS : XXXX. I have maintained a 100 % on-time payment history on this account for over XXXX years. XXXX. My XXXX most recent scheduled payments were timely submitted from my XXXX XXXX checking account ending in XXXX the same account on file with AES for over XXXX years and from which all prior payments have successfully cleared. Sufficient funds were available on both payment dates. XXXX. Despite available funds and an unchanged bank account on file, AES returned both payments. XXXX. On XX/XX/year> at approximately XXXX XXXX XXXX, I spoke with AES Representative XXXX, Employee ID XXXX. XXXX expressly confirmed that the returned payments were caused by an internal AES processing error reflecting an incorrect account number on AES 's system. I made no change to my banking information ; the error originated entirely with AES. AES records customer service calls, so this admission is preserved in their own recording and in their account notes from that call. XXXX. I paid the outstanding balance in full on XX/XX/year> immediately upon being notified of the issue. The account is now current. XXXX. I submitted a Direct Credit Dispute Form to AES on [ insert date ] with supporting documentation, including bank statements showing available funds on the attempted payment dates and a detailed Statement of Dispute referencing the XX/XX/year>, call. XXXX AES issued a denial letter dated XX/XX/year>, stating that the information reported is accurate and that no adjustments would be made. The denial letter did not address the AES representative 's recorded admission, did not reference the call recording or account notes, and did not address the unchanged five-year bank account history. WHY THIS IS A FCRA VIOLATION : Under 15 U.S.C. 1681s-2 ( b ), AES as a furnisher of information to consumer reporting agencies is required to conduct a reasonable investigation of a consumer dispute. An investigation that fails to acknowledge or address direct evidence of furnisher error including a recorded admission by the furnisher 's own representative does not meet the reasonableness standard. AES 's denial letter is silent on the dispositive evidence in front of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this CFPB complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that Experian remove and block fraudulent information from my consumer credit report within four business days of receiving this notice. The inaccurate and unauthorized information includes the following : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX These fraudulent account have resulted in negative impacts on my credit report. I do not recognize these accounts, nor did I initiate or authorize these transactions. As they are the direct result of identity theft, I demand their immediate removal. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX as further evidence that these fraudulent items must be deleted from my credit file in accordance with my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Coinbase, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I contacted Coinbase support because I was having connection issues with my Base wallet ( formerly Coinbase Wallet ). At the time, I had approximately {$60000.00} worth of tokens staked on a dApp. The support agent immediately instructed me to uninstall and reinstall the app. The agent gave me no warning that this action could cause me to lose access to my existing wallet. After following the agents instructions, the app created a new wallet using my passkey, and I completely lost access to my original wallet. The original wallet still contains my staked position worth approximately {$60000.00}, plus roughly {$400.00} in XXXX that is also now inaccessible. The funds remain on-chain and have not been moved. During the same chat, the agent later admitted there was a software issue and said I should have had my seed phrase backed up. This information was never provided before the agent told me to uninstall the app. On XX/XX/year>, I had a phone conference with Coinbase XXXX XXXX. The call was recorded. XXXX stated that the original agent had made a mistake by instructing me to uninstall the app without proper warnings. He told me that, in his opinion, I was due some form of credit. XXXX followed up with several emails requesting specific information. In his XXXX email, he mistakenly quoted my loss as {$6000.00} instead of {$60000.00}. After I corrected him, I did not hear back from him for XXXX days despite sending the additional documentation he requested. When he finally responded, he XXXX sent a cold, generic email that seemed unaware of our previous communications. Minutes later, he sent another email saying he had found my previous messages, verified all the information, and was escalating the case. The following day, I received a final email from XXXX stating that XXXX legal team had reviewed the case and determined they were not responsible. They cited self-custody terms of service, claiming no liability because the assets had been transferred to an external staking protocol ( Onyx DAO ). I believe Coinbase is responsible because a software issue with their wallet led me to contact support, and their agents unguided instructions directly caused me to lose access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OK

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
They charged me the interest rate for a incorrect term and Im Trying to fix it or get help from the bank but they dont want to help me or transfer me with a supervisor they hang up the call every time I tell what is happening and dont cooperate with me, Im welling to pay my balance but is impossible with the bad treatment to the customer, the worst customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XX/XX/XXXX credit bureaus on my credit report.

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 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company
State: TN

Complaint narrative:
I was sent a bill for ancillary medical services that I do not owe per the XXXX XXXX XXXX XXXXXXXX. I have since been contacted multiple times by SMS from Frost-Arnett but have never received any written notification of the debt or of my right to dispute it, as required by the FDCPA within XXXX days of first contact. The SMS messages direct me only to a payment website with no dispute information. Dates of contact were XX/XX/year>, XX/XX/year>, and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I am writing to dispute a {$30.00} returned payment fee stemming from an administrative error on my Venmo Credit Card. On XX/XX/scrub>XXXX I accidentally initiated a payment using an old bank account on file. This was an honest human mistake, not financial insolvency, and I rectified the issue immediately by submitting a successful replacement payment that cleared on XX/XX/year>. I contacted Synchrony customer support and escalated the issue to a supervisor on XX/XX/year>, but they refused a standard, one-time courtesy waiver. I have an excellent credit history, have never missed a payment on any card, and always pay my balances in full. Because this was a simple administrative error that was quickly corrected, I am requesting that Synchrony issue a statement credit of {$30.00} to reverse this penalty.

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 2026-05-26 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: MN

Complaint narrative:
Subject : REVISED XXXX PRE-LITIGATION DEMAND TREBLE DAMAGES FOR SPECIFIC TRANSFERS Violations : XXXX Regulation E Breach, Bad-Faith ATO Denials, and Unpaid Data Breach Redress To the Legal Department of Block, Inc. : This letter serves as your corrected and final notice. I have adjusted the baseline statutory calculations to accurately reflect the specific nature of the multiple violations committed against my account. You have XXXX ( XXXX ) business days from the receipt of this document to electronically transport the corrected sum directly into my checking account via routing number or direct debit. Paper checks will be rejected due to systemic processing delays. You are in direct violation of the Electronic Fund Transfer Act ( EFTA ) and are fully exposed under federal consumer protection laws for the following amounts : XXXX. The XXXX Dispute Violation ( {$4500.00} Treble Damages ) Regarding the specific {$1500.00} transaction dispute : Cash App has maintained this investigation status for XXXX days. Under 12 C.F.R. 1005.11 ( c ), the absolute maximum extension allowed under federal law is XXXX days. Because you have held these funds XXXX days past the legal ceiling without a resolution or provisional credit, you have acted in explicit bad faith. Under 15 U.S.C. 1693f ( e ), this triggers an automatic mandatory penalty of triple the stolen money, totaling {$4500.00}. XXXX. The Account Takeover ( ATO ) Bitcoin Breach ( {$45000.00} Treble Damages ) During the documented Account Takeover ( ATO ) security failures on your platform, my account suffered a severe security breach resulting in the total loss of over {$15000.00} in XXXX value. Your customer service infrastructure summarily denied my fraud claims without a good-faith investigation, violating 15 U.S.C. 1693g ( b ) by failing to meet your mandatory corporate burden of proof. Your handling of this breach directly mirrors the exact patterns of misconduct that resulted in Block , Inc. facing a {$170.00} XXXX federal enforcement action by the CFPB for failing to properly investigate fraud and suppressing user disputes. Under the EFTA bad-faith framework, the baseline {$15000.00} breach is trebled to {$45000.00}. ABSOLUTE DEMAND FOR DIRECT DEPOSIT I demand a total electronic transport of {$49000.00} to resolve these actions immediately. You have XXXX hours to coordinate with me to obtain secure direct deposit routing or debit details. If Cash App fails to initiate this electronic transfer within XXXX business days, I will immediately retain formal trial counsel to file a civil suit in court and initiate formal consumer arbitration via the XXXX XXXX XXXX XXXX XXXX ), where I will pursue the full balance, statutory damages under 15 U.S.C. 1693m, and court-mandated attorney fees. This is your final opportunity to resolve this matter administratively before filing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation