vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: OR

Complaint narrative:
I tried to verify my prepaid XXXX gift card from www.prepaidgiftbalance.com on the website listed on the back of the card, today, XX/XX/XXXX. I got repeated error messages saying that the card could not be registered. Then I called the number on the back of the card and it said that the security number printed on the card could not be verified. I tried calling again and the same thing happened. I tried to use the card about a month ago at a store, and it could not be charged. I am unable to register the card or check the balance. The card is still valid according to the date printed on the front, XX/XX/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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section XXXX Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

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 2026-05-25 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: MOHELA
State: KY

Complaint narrative:
Date : XX/XX/year> RE : Formal Dispute of Private Student Loans Spencerian College To Whom It May Concern : I am formally disputing the validity and enforceability of the following private student loans associated with my attendance at XXXX XXXXXXXX XXXX XXXX Loan ending in XXXX * Loan ending in XXXX These loans were obtained in connection with enrollment at XXXX XXXX, a school that was the subject of legal action and allegations involving fraudulent and misleading representations regarding job placement rates and student outcomes. Importantly, all of my federal student loans associated with XXXX XXXX have already been discharged through the U.S. Department of Education borrower defense process based on findings related to the schools misconduct and misrepresentations. The same fraudulent representations that formed the basis for my federal loan discharge also induced me to enter into these private student loans. Had accurate information been provided regarding job placement outcomes and the value of the educational program, I would not have enrolled at XXXX XXXX or incurred these debts. Accordingly, I request the following : XXXX. A full investigation into these loans and the circumstances surrounding their origination ; XXXX. Copies of all original promissory notes, school certifications, underwriting documents, and records relating to loan ownership and assignment ; XXXX. Suspension of collection activity while this dispute is under review ; XXXX. Consideration for discharge or cancellation due to the underlying fraud and misconduct associated with the school. Please also note this letter serves as a formal notice that I dispute the validity and enforceability of these debts. I request written confirmation that this dispute has been received and documentation regarding the results of your investigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I paid {$2200.00}, they confirmed by recently said it was returned! No way! Now I 'attempted to pay additional principal and it tried to take the additional principle and another full monthly payment! I'm service=connected XXXX XXXX this mess is stressing me. Mr Cooper has a rep of losing, delaying payments then quickly reporting d client 'delinquent '! I pay them on XXXX day, fixed income, they say Thx, dnt take till XXXX, due XXXX, n then tell me I'm late, delinquent, that's offensive! SMH, At 6 months, if I want to refi, I need to know {$9300.00} has been paid, or else they take me out of position, already they reported to XXXX delinquent, when I paid on time, I hv no control of there processing pattern. When they say Thx, I b like, took care of that ', then week later they talking bout, returned, huh

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I discovered that the rewards associated with my Wells Fargo credit card ending in XXXX were removed without clear explanation. Based on Wells Fargos published rewards terms, rewards generally remain available while an account is open and are typically forfeited only upon account closure or in cases involving misuse or violations of account terms. However, I was unable to find any clear disclosure indicating that participation in a hardship or payment-assistance program results in the automatic forfeiture of previously earned rewards. Given that these rewards were accrued prior to any hardship-related activity, their removalparticularly without clear notice or documentationraises concerns regarding disclosure, timing, and whether Wells Fargo followed its own stated policies.

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 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OH

Complaint narrative:
My Cash App account was permanently closed after Cash App claimed that my account activity violated their Terms of Service. However, despite multiple attempts to obtain clarification through support and the appeals process, I was never informed of what specific activity allegedly violated their policies. I only used Cash App for normal personal transactions, such as sending and receiving money, and I have never knowingly engaged in fraud, scams, prohibited business activity, or any intentional violation of the Terms of Service. I submitted an appeal and attempted to work with support in good faith, but I repeatedly received generic scripted responses stating that the decision was final for security reasons without any meaningful explanation or evidence regarding the alleged violation. Because no specific reason was provided, I have been unable to understand, dispute, or correct the issue. My concern is the lack of transparency and meaningful review process. Permanently banning users from a financial platform without providing any clear explanation makes it impossible for consumers to defend themselves or avoid similar issues in the future. I believe my account may have been incorrectly flagged through an automated risk or security review system, and I am requesting a more thorough human review of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Repeatedly getting email from Lvnv funding asking to be notified by mail still getting emails

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
on Thursday, XX/XX/XXXX, at XXXXXXXX XXXX CST, I was contacted by an individual impersonating Wells Fargo Fraud Protection. The caller claimed there was suspicious activity on my account and used social engineering tactics to convince me that my funds were at risk and needed to be secured immediately. The caller was amazingly thorough and referenced legitimate recent transactions from my checking account, which caused me to reasonably believe I was speaking with Wells Fargo. They said it was likely my card had been skimmed at a gas station and someone what using that to access my checking account. Under this false representation and deception, I was instructed to transfer {$10000.00} from my bank account to my XXXX XXXX XXXX account. I called wells fargo and started a claim 2 minutes after I got off the phone with the scammer when I realized i could not log into my WF account. I then called XXXX XXXX to report the fraud - all while the transaction was still " pending '' hoping desperately they could trace the money and claw it back. once they had control of my accounts they sent the money to a XXXX merchant account the transaction was described as " XXXX '', the XXXX XXXX representative i spoke to said the account was apparel vendor in XXXX Georgia , but could not provide any other information. It took me 39 years to get {$10000.00} in my bank account and a scammer 30 minutes to take it all away. No one from the High-dollar fraud department ever reached out to me. The claim just got denied. They wont help.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
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, I am writing in response to the recent communication 1 received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information. 2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges. 4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt. 5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor. Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations. Sincerely. [ XXXX XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: MD

Complaint narrative:
I am writing to formally request the investigation and removal of the student loan account listed on my credit report. This account is currently reporting inaccurate information, which is severely impacting my financial well-being, preventing me from securing a residence, and hindering my professional advancement during employer background checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: NY

Complaint narrative:
I purchased something from XXXX via acima. I returned the item back in XXXX after it was too large for my needs. Both acima and XXXX have acknowledged this returned item but they have refused to provide me with a refund for the {$110.00} I have paid as well as cancelling the remainder {$50.00} owed. When I contact wayfair they say I need to contact acima. When I contact acima they say I need to contact XXXX. I have called them several times since XXXX and spent hours on the phone. XXXX always tells me they will get back to me in XXXX hours with a resolution and I never hear from them again. At this point I do not know how to get my money back for an item I do not have in my possession. I have clear documentation of the return and money paid. I texted customer service for XXXX on XX/XX/2026 and XX/XX/2026. I called XXXX customer service and spoke with multiple representatives on XX/XX/XXXX XX/XX/XXXX and again on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MD

Complaint narrative:
im asking for clarification on how this account was verified and reported

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Due to financial hardship and sudden account closure by Capital One, I was unable to keep up with my payment with Capital One. After falling behind, I enrolled with XXXX XXXX XXXX to settle collections and charge-offs through a structured payment plan. Capital One refuses to acknowledge the credit management plan and won't work with me or with XXXX to work on hardship terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was deceived into a lower payment plan that ultimately put my loans into default and now im stuck with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
On XX/XX/XXXX, LVNV Funding LLC ( through Resurgent Capital Services ) responded to my validation request and enclosed an XXXX XXXX statement showing a {$0.00} New Balance after the {$800.00} security deposit was applied. Despite their own documentation proving the debt is not owed, LVNV continues to report a {$260.00} collection tradeline ( Account ending XXXX ) to XXXX, XXXX, and XXXX. LVNV acquired this account XX/XX/XXXX over 3 years after the alleged XX/XX/XXXX charge-off and is attempting to collect and report a debt that their own validation file confirms is satisfied. Violations : FDCPA 1692e ( 2 ) ( A ) false representation of amount, 1692e ( 8 ) communicating known-false information to CRAs, 1692f ( 1 ) collecting amount not authorized ; FCRA 1681s-2 ( a ) furnishing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On Friday, XX/XX/2026, I attempted to make a money transfer through my bank via XXXX for the purchase of a car in the amount of {$2500.00}. The information I provided was your The name when I sent it was the money deposited to another person. The original seller is named XXXX and the recipient is named XXXX. The information sent by XXXX is the number of The telephones were not the same, only one digit changed ; they are registered in Florida same area code ( XXXX ) XXXX is the original and ( XXXX ) XXXX is from the one who received They say it was my responsibility to send the correct information before sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/year> my XXXX was on XXXX XXXX looking at available rentals. He came across an add for a private landlord. He sent my XXXX XXXX options, both houses, both have rent as {$1200.00} and the application fee at {$65.00}, and the security deposit as {$600.00}. As conversation continues, my XXXX tell him we are interested in the property on XXXX, in XXXX Tn and wanted to move forward. The man proceeds to ask us if we have chime, XXXX, or anything besides XXXX to process the payment. We asked if we could do cash or a money order instead. He told us he didnt accept cash or money orders and only wanted chime or XXXX. I told him I have chime and could send the fees on there since cash/money orders were not options. He then told me that I would need to send proof that I have a chime account. I did. He told me to send {$65.00} for the application fee to his chime account, I did. He asked to send the {$660.00}, I did. He asked to send pictures of proof that it was sent. He then asked if we had the full rent amount which is {$1200.00}. We told him yes but that I would be more comfortable meeting in person and handling the rest that way. He was adamant on meeting with his lawyers and could meet after I sent the {$1200.00}. After several times of telling him I wasnt comfortable and offering different to make both parties comfortable, he declined and insisted I send it on chime. I told him I would agree to send {$100.00} if we could meet in person for the key and to sign the lease and then I would give him the rest of the money in cash. He refused. He made himself out to be an honest man and I believed him, unfortunately. I then went to the XXXX XXXX app and found the property on there and messaged them. They told me they had no relation with the name I gave them and that they are the only ones that I should have contacted about said property. I told the man that I now knew it was a scam and kindly asked for my money back. He then said it wasnt a scam and coming up with different things to say other than just sending it back. Ive provided all messages between XXXX, my XXXX and myself. The messages are on my XXXX phone which is where the screenshots are coming from. I pray you understand the situation I was put in.

Company response to consumer: Closed with explanation