vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: First Help Financial, LLC
State: TX

Complaint narrative:
This complaint concerns inaccurate credit reporting, improper account handling, and failure to validate a repossession event. The account was opened in XX/XX/XXXX as a retail installment auto loan. The monthly payment is approximately {$730.00}. In or around early XXXX, the company claimed that a payment was missed and declared the account in default. However, the payment in question had already been made or was in the process of being made at the time the default was asserted. Despite this, the company proceeded with repossession of the vehicle. The consumer was then required to pay to redeem the vehicle and bring the account current. Following redemption, the account continued as active, and payments resumed. However, the account is now being reported inconsistently across the three major consumer reporting agencies : * One bureau reports a repossession event ( repossession redeemed ) * Other bureaus report the account as paid or paying as agreed * The reported balances differ between bureaus These inconsistencies are materially misleading and do not reflect a clear or accurate account status. Additionally, no complete validation has been provided showing : * The exact date the payment was due * The date the payment was received and posted * The date default was declared * The date repossession was initiated * The basis for determining the account was in default at the time of repossession Given that the vehicle was redeemed and the account continued, the reporting of a repossession event without consistent and accurate context is damaging and misleading. The company has also failed to provide a complete accounting of the repossession and redemption, including all fees, charges, and how the current balance was calculated. The consumer is requesting : 1. A full investigation into the accuracy of the reported repossession 2. Complete validation of the default and repossession timeline 3. A full accounting of all amounts charged related to repossession and redemption 4. Correction of all inconsistent reporting across all credit bureaus 5. Deletion of the account if it can not be verified with complete accuracy and consistency The continued reporting of conflicting and unverified information is causing harm and must be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: American Student Assistance
State: MA

Complaint narrative:
XXXX XXXX XXXX was shut down on XX/XX/XXXX, following a XXXX settlement of {$1.00} XXXX brought by the Massachusetts Attorney General 's office, which found that the school had been defrauding its students. The federal Department of Education has stated that it is actively discharging loans for students who attended XXXX XXXX XXXX, regardless of when they attended, because the school was closed for fraud. When I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which services loans for American Student Assistance, they told me they would not stop reporting my loanswhich should be fully discharged due to the school 's fraudulent closureuntil the Department of Education ordered them to stop. XXXX knew these loans originated from private lenders including American Student Assistance, XXXX XXXX, XXXX XXXX, and XXXX XXXX, meaning they are not under the jurisdiction of the Department of Education. Despite this, the federal government is actively discharging loans for XXXX XXXX students, yet my loans were illegally re-aged back onto my credit report in XX/XX/XXXX, one full year after the school was shut down for fraud. They should never have been there in the first place.

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 2026-04-22 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Subject : Complaint Unauthorized Digital Wallet Transactions Improperly Denied by Bank Complaint Description : I am filing a complaint against Chase Bank regarding their failure to properly investigate and resolve multiple unauthorized transactions on my account. The fraudulent transactions include : XXXX XXXX ( XXXX ) XX/XX/XXXX {$140.00} XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$110.00} XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX {$130.00} These transactions were not authorized by me and appear to have been processed through a digital wallet or tokenized payment system ( such as XXXX XXXX or XXXX XXXX ), suggesting that my card credentials were compromised and added to an unauthorized wallet or device. Chase denied or partially rejected my dispute, referencing a prior transaction in XXXX that was not previously disputed. However, this earlier transaction does not constitute authorization and should not be used to deny investigation of subsequent fraudulent activity. I requested technical investigation details ( wallet provisioning, device identifiers, authentication logs ), but the bank did not provide a sufficient or transparent explanation of how authorization was determined. This appears to be a case of ongoing digital wallet compromise that was not properly investigated. Desired Resolution : Full refund of all unauthorized transactions. Proper investigation into digital wallet/token compromise Disclosure of technical findings supporting the banks decision Correction of dispute handling record Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Please permanently remove all Fraud Alerts on my credit report. I do not want it. Below are my details for your reference : Full Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, New York XXXX SS # : XXXX Date of Birth : XX/XX/year>XXXX To verify my identity and address, Im including a copy of my drivers license and a recent utility bill.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>, I made a purchase on XXXX XXXX totaling {$250.00} through Capital One XXXX using a promotional offer that advertised {$160.00} back on a {$200.00} purchase. After completing the purchase, the reward amount changed and the transaction was later marked as Ineligible in my Capital One XXXX account. I contacted Capital One XXXX support multiple times. Instead of addressing why the purchase was marked ineligible or confirming whether the promotion would be honored, I received generic responses about processing timelines. My request for a clear explanation was not addressed. On XX/XX/year>, a supervisor responded that they were unable to move forward without providing any justification. This appears to be a failure to properly track or honor a promotional offer that influenced my purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to Jefferson Capital Systems. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that Jefferson Capital Systems currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to Jefferson Capital Systems. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certegy Holdings, LLC
State: TX

Complaint narrative:
Certegy customer, XXXX debited my bank account for {$480.00} for a website I had canceled. I called XXXX. They issued a refund. I got my refund on XX/XX/XXXX. Now I am getting a debt collection notice from XXXX. Certegy turned it over for collection with no notice. I contacted XXXX. They directed me to Certegy and I called them. The man wanted my driver 's license # and Bank acct # to talk to me. I said no. He said he could not talk to me. I thought he was a scammer. I called XXXX and they advised Certegy collected receivables for them and XXXX could not do anything about it. They took my money. Certegy paid them, XXXX gives me a refund. So, XXXX owes them the money for my refund. I have been made whole. Certegy needs to get their money from XXXX. If Certegy does not erase this unsubstantiated debt I will be suing them both.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: PA

Complaint narrative:
UDAAP Violation : Deceptive UI, Transaction Reordering, and Refusal to Resolve Erroneous Overdraft Fees Description of Events : I am filing a formal complaint against Cash App for engaging in Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) regarding deceptive balance displays and backend transaction reordering designed to manufacture unwarranted overdraft fees. On XX/XX/year>, I made a series of transactions based on the available positive balance displayed in my Cash App user interface. I had a starting balance of {$66.00}. I made an ATM withdrawal of {$62.00}. Because I possess " Green '' tier status, this withdrawal should have been surcharge-free. Cash App erroneously applied a {$2.00} ATM fee, reducing my true balance without prominent notification. Relying on the app 's UI, which indicated I had sufficient funds, I made two subsequent purchases : one at XXXX 's for {$6.00}, and one at XXXX for {$16.00}. Cash App later rearranged the settlement of these transactions. Because of the erroneous {$2.00} fee and this backend reordering, my account was forced into a negative balance, triggering {$16.00} in overdraft. When I contacted Tier 3 Support, the agent explicitly admitted in writing that my math was correct based on the app 's display, stating : " it's a posting-timing issue, not a miscalculation on your end... the system applied them in final order, which pulled more from the overdraft. '' This is an admission of deceptive transaction reordering, a practice the CFPB has consistently cracked down on. Furthermore, when I pointed out the deceptive nature of this practice and mentioned the CFPB, the support agent immediately and abruptly force-closed the chat, refusing to correct the erroneous {$2.00} fee or reverse the resulting overdraft penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I disputed an account with the XXXX and received a response stating the account was verified. However, no documentation was provided to support the verification. This account contains multiple inconsistencies, including a balance exceeding the credit limit, conflicting reporting dates, and improper bankruptcy reporting. Additionally, the account references a transfer from another creditor without providing proof of ownership. Attached are letters that i have previously sent to XXXX and to Barclay XXXX XXXX. I never received anything from Barclay but i also attached a screenshot of the results from 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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Tuesday XXXX XXXX i realized that the BOA XXXX Bank of America ) app would not let me login. ( not the first time ). I called the online number, and they told me my bank account was closing because of a counterfeit check. On XXXX XXXX yes i deposited a mobile check that someone paid me with. I didn't know anything about it being counterfeit until i called. I said OK that's fine but what about my direct deposit that would be deposited XX/XX/XXXX morning XX/XX/year>. They say call back the next day the day of the deposit. Ok i call back today which is the next day i spoke with a supervisor about my funds, because my account was not in the negative and i do not owe the bank anything why can't i go to the nearest bank and pick up my money. I was simply said NO YOU CAN'T BECAUSE OF THE COUNTERFIT CHECK AND YES, WE KNOW THATS YOUR PAYCHECK AND WE KNOW YOU DONT OWE THE BANK. BUT YOU MAY HAVE TO WAIT TIL XX/XX/XXXX. This is unacceptable if a bank account is closing and you're not owed a DIME How can they withhold my money. It's not ethical because some made the decision based off how they feel. I need my paycheck ASAP.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: KY

Complaint narrative:
XXXX XX/XX/2025. Central Portfolio Control tried to call me at XXXX XXXX It came through as potential spam so I did not answer. They then CALLED MY MOTHER and told her they needed to speak with me urgently about a matter of " personal security. '' I am an elected official so this of course sent my elderly mother into a tailspin. I then called them back and told them AGAIN to not contact me or my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
My PayPal Credit account was closed without prior notice due to XXXX returned payments. Both returned payments were accidental ( old bank account that was closed while I was experiencing a lapse in pay due to government shutdown ) and were corrected and paid in full the moment I was notified the same day or following business day. I even called when I realized what happen to explain the situation and how I made it right to see if they could remove the chargeback fee and they said they couldnt. Not only where they paid in full but before the due date and extra payments have been made through the last few months as I am working on keeping a good credit. Especially following the shutdown. There was no prolonged delinquency, no pattern of non-payment, and no intent to avoid payment. I have attached my payment and balance history showing a pattern of payments made into this account and its good standing. I was never given any advance notice that my account was at risk of closure. Under the Credit CARD Act, I am entitled to XXXX days written notice before significant account changes are made. I received no such notice. On XX/XX/year>, I contacted PayPal Credit customer service ( around XXXX XXXX XXXX ) and was escalated to a supervisor. During that call, the supervisor Name : XXXX ) refused to reinstate my account, refused to provide a written explanation of the closure in any form including email or mail, and was unable to escalate the matter further. I requested the specific terms and conditions cited as the reason for closure and received no clear answer. I am requesting the following : XXXX. Reinstatement of my PayPal Credit account XXXX. A full written explanation of the closure and why no advance notice or call was sent over. XXXX. Confirmation of what notice was sent to me and when. XXXX Review of whether proper notice requirements were followed prior to closure I have the name and position of the supervisor I spoke with and am prepared to provide that upon request.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I reached a settlement agreement with XXXX XXXX XXXX in XXXX for repayment. I made several payments and then was not able to login to online portal for account. After debt incurred excessive interest, I attempted to contact this third-party collector through phone calls and emails with no response and unable to reach anyone. As of today, XX/XX/XXXX my banking account has been frozen due to a court order provided to my bank without my acknowledgement or authorization. This company has been negligent in communication with my attempts to settle the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
on XX/XX/year>, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, sent a wire in the amount of {$4200.00} XXXX XXXXXXXX XXXX The wire was initiated from US Bank. The wire fee was {$75.00}. The money was held for over XXXX days, no notice, no explanation of any kind. The receiver never received the money and this delay resulted on the loss of contract due to non payment on the invoice.

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