vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX, SC XXXX Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter. If you can not provide verifiable evidence that this account is accurate, complete, and properly attributable to me, you are required under federal law to cease reporting this account and request its deletion from all credit reporting agencies to which you have furnished data. Please provide the following : Documentation bearing my signature that proves I have a contractual obligation for this debt Complete account history, including the original creditor and chain of assignment Proof that the information reported complies with FCRA accuracy requirements If your investigation determines that the information can not be verified, I expect immediate deletion of this account from my credit file. Please note that failure to comply with the FCRA may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under federal law. I request that all correspondence regarding this matter be sent to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: MS

Complaint narrative:
Hello, I am requesting a reconsideration of a denied refund for a {$2000.00} from XXXX XXXX This transaction was not made or authorized by me. During that time, my ex-girlfriend had taken my phone and bank cards without my knowledge or permission and used them to access my account and make deposits. I want to point out that other transactions made under the same circumstances have already been reviewed and refunded, which supports that this was part of the same unauthorized activity. This specific charge should be treated consistently with those findings. I did not authorize this deposit, did not place any entries using these funds, and did not benefit from it in any way. I am requesting that this transaction be reviewed again as part of the same unauthorized access case. I am willing to provide identification, account verification, and a police report if necessary. I have not been a user of XXXX and would prefer to resolve this directly, but I am prepared to escalate this matter further if needed. Please take another look at this transaction and provide a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered that Openbank is preventing me from withdrawing funds from my high-yield savings account. I am unable to transfer money out of the account or close it. To my knowledge, there are no holds, restrictions, or issues associated with my account. Despite multiple attempts to resolve this, I have not been provided with a clear explanation for the restriction. This has resulted in me being unable to access my own funds. I am requesting an immediate explanation in writing, along with prompt resolution to restore full access to my account or allow me to close it and withdraw my funds. If this matter is not resolved quickly, I will escalate the issue by filing formal complaints with the appropriate regulatory agencies. Thank you for your prompt attention to this matter.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I recently opened a checking account with Regions Bank and began using it for direct deposit of my paycheck. During this transition, I experienced a delay in receiving one paycheck due to a payroll processing issue related to a change in direct deposit. As a result, my account balance became negative. Between approximately XX/XX/year>, Regions Bank charged seven overdraft fees of {$72.00} each, totaling {$430.00}, within a very short period of time. These fees were not the result of separate spending events but occurred as a cascade from the same delayed deposit and timing issue. The rapid accumulation of these fees significantly increased my negative balance and made it difficult to recover financially. This created a financial hardship situation. I contacted Regions Bank to request assistance. They refunded one overdraft fee but declined to reverse the remaining fees, despite the fact that all charges stemmed from the same underlying issue. I am requesting that Regions Bank review this situation and provide a reasonable resolution, including reversal of additional overdraft fees associated with this event. I have since taken steps to prevent this from happening again, including changing my banking arrangements and updating my direct deposit. This complaint concerns excessive overdraft fees charged in a short timeframe tied to a single deposit delay event.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I filed a fraud claim with Navy Federal Credit Union on XX/XX/XXXX regarding an unauthorized transaction totaling {$570.00}. On XX/XX/XXXX, I contacted the credit union for an update and was informed that the investigation had been completed on XX/XX/XXXX and the claim was denied. However, I was never provided any written notice of this determination. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to notify consumers of the results of an investigation within 3 business days and provide a written explanation upon request. Navy Federal failed to provide timely notice and has not provided any documentation or evidence supporting their decision. I am requesting : * A written explanation of the denial * Copies of all documents used in the investigation * Confirmation of when and how notice was allegedly provided This lack of communication and failure to follow required procedures is concerning and needs to be addressed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: NV

Complaint narrative:
; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Date : XX/XX/year> Subject : Debt Validation Request FDCPA 809 To Whom It May Concern, I am requesting validation of the alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA 809 ), you are required to provide proper documentation to validate this debt. Please provide the following : - A copy of the original signed contract - Complete account payment history - Proof of your legal ownership of this debt - Chain of assignment from the original creditor - Name and address of the original creditor Until this validation is provided, you must cease all collection activity and reporting on this account. If you can not provide this documentation, you must delete this account from all credit reporting agencies immediately. Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. This is not a refusal to pay, but a request for validation. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: NY

Complaint narrative:
I am filing a complaint regarding unauthorized transactions made using my Cash App card totaling {$5100.00}. These transactions were not made or authorized by me, and I did not provide my card information to the merchant involved ( XXXX ). I also did not receive any goods or services from these transactions. On XX/XX/year>, I filed disputes with Cash App for a total of 37 unauthorized transactions. I reported the activity as soon as I became aware of it. Despite this, Cash App denied all of my claims and determined that the transactions were authorized, without providing a clear explanation or sufficient supporting evidence. I appealed the decision, but my appeal was also denied. During this process, my Cash App account, as well as another account associated with me, were closed. I was not provided with a clear or specific reason for these closures. I contacted the merchant, XXXX, directly. They confirmed that I do not have an account with them and stated they are willing to cooperate with any investigation. However, they advised that Cash App would need to contact them directly. To my knowledge, Cash App has not done so. I requested documentation explaining how these transactions were determined to be authorized, as well as clarification on how I would receive any refunded funds given that my account has been closed. I have not received adequate responses to these requests. These transactions are unauthorized electronic fund transfers, and I am requesting a proper investigation and full reimbursement of {$5100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a XXXX XXXX XXXX for use at XXXX service centers. The card is underwritten or owned by Citi Bank I have it for emergency or expensive auto repairs. I have been a customer for nearly twenty years. I underpaid my XX/XX/2026 bill by XXXX XXXX. It was an accident and my payment was accepted otherwise. To my knowledge, XXXXCitibank did not contact me by phone or email to resolve the missing XXXX XXXX. They did not wait thirty days or until the next billing cycle to resolve the matter, but instead they charged me a XXXX XXXX fee and froze my line of credit. I only realized the line of credit was frozen when I tired to use my card to replace a bad tire. It was my mistake to make an under payment, and my responsibility to pay the mechanic. That said, I think XXXX Citibank 's method of dealing with an underpayment is unfair and needlessly aggressive. Not trying to reach the customer to notify them that their line of credit will be frozen is also very poor customer service and unfair.

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 2026-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I bought a XXXX XXXX XXXX they didn't tell me it had transmission problems. Warranty fixed twice and I did once. Car got repossessed and I had to fight to get it back rushed my car to auction. Stealing my personal property and documents I made a report to my loan company of the repo action made a complaint the brushed an said they was liable repo wouldn't allow me to set a appointment in the 30 days required because of no availability booked full. But still didn't allow me at anytime to pick up property. Bought my car back in time caught up payment. I could n't drive the car due to plates and insurance. Car loan suggested if I would have it towed to put insurance on it so I did. Got my car back tank on empty so me and my son cleaned it out was in process of installing subs noticed amps wasn't in my truck. Called loan and repo. Made a complaint. Me and my son went to gas station car started smoking I parked we jumped out car soon as door open seen fire. Called police made reports contact insurance. Gave all was required. Insurance picked car up closed case. Reopened and charged me for full XXXX when I paid XXXX towards the car

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 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: OH

Complaint narrative:
I attended XXXX XXXX XXXX XXXX, XXXX, Ohio in XXXX. I was suppose to graduate in 4 years with my XXXX XXXX in XXXX XXXX. I attended college with a XXXX for 3 years and 11 months. When I was about to start my internship I found out that the college was not accredited and that all of my hard work was for nothing. All the classes I took and passed such as XXXX, XXXX XXXX, and many others. I didnt start my internship due to this and therefore didnt get my degree, which I wouldnt have gotten anyway, because of the college being closed and not credible. This was the first college that I attended and I feel like I was taken advantage of and just another way for them to make money off of me. I have been dealing with this situation since XXXX and it has been a nightmare and has cost me so much time and money that Ive paid into my loan for a school that I wasnt even able to use my degree in. I am now owe {$53000.00} in student loans, which almost half of that is interest, due to me not knowing how to get this taken care of. Ive reached out to the loan companies that are handling my loan, but they have changed many times over the years, so when I write a loan company about this, they tell me that theyre no longer handling my loan anymore to reach out to the new lender. Right now the company that is handling it is Nelnet. Ive wrote them about this problem and never gotten a response or what to do about the issue either. Ive also wrote on the XXXX website about loan forgiveness as well and never heard anything from them. I can show copies of that as well if needed. I dont know what else to do or where to turn at this point. I wanted to go back to school again, so I signed up for an IDR program and got approved and due to me not having any income right now my payments are {$0.00} a month. But I feel as if the loan should be forgiven altogether if my college wasnt even accredited. I would have paid on my student loan gladly if I would have been able to graduate with a degree that I could use and work with. I need some assistance and I dont know where I turn now that Ive tried everything else and havent heard anything back or just getting pushed aside. Thank you very much! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: MI

Complaint narrative:
This company repeatedly calls me, sometimes multiple times a day, from different numbers. For example, on XXXX they called me once, on XX/XX/XXXX they called again, on XX/XX/XXXX they called me twice, on XX/XX/XXXX they called me twice, once again on XX/XX/XXXX, and again on XX/XX/XXXX. This has been on going, and I have records of how many times and what dates they call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC ( " PRA '' ) for failure to properly validate a debt and continued reporting of an unvalidated debt to consumer reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). PRA claims to own an alleged debt of {$5700.00} originally from XXXX XXXX ( account ending in XXXX ). I sent PRA a written debt validation request via XXXX Certified Mail. PRA responded with a partial packet that did not include a copy of the original signed credit agreement bearing my signature the most fundamental requirement of debt validation. I sent a follow-up letter dated XX/XX/XXXX, identifying five specific deficiencies in their validation response : ( 1 ) no original signed credit agreement, ( 2 ) a redacted bulk Bill of Sale that does not identify my specific account, ( 3 ) only two billing statements instead of a complete payment history from account opening in XXXX through charge-off, ( 4 ) an unexplained {$41.00} balance adjustment, and ( 5 ) no proof of Texas collection license. On XX/XX/XXXX, PRA responded again with the same incomplete documents two billing statements and a sale notification letter and stated their investigation is complete, denying any inaccuracies. They have still not produced a signed original credit agreement after two written requests. Despite failing to fully validate this debt, PRA continues to report this account to XXXX, XXXX, and XXXX. This constitutes continued collection activity on an unvalidated debt in violation of 15 U.S.C. 1692g and continued furnishing of disputed information without proper investigation in violation of 15 U.S.C. 1681s-2. I am requesting that the CFPB require PRA to either produce a complete validation including the original signed credit agreement, or immediately delete this account from all consumer credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I was told by Affirm the loan was 12 months 0 % interest. I went to pay off the loan at 4 months, and I was charged {$1100.00} 32.32 % APR. I would have never agreed to such a high interest rate without the option to pay the loan off before the 12 months 0 % interest rate. I've made on time payments, and went to pay off early. I call Affirm to resolve this issue and they refused to remove the existing interest which is not what I agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: NC

Complaint narrative:
they promised to increase my credit score my my self financing a loan that I could start or stop when even I liked. However, they when I wanted to stop the loan I was sent numerous late notices and they reported negative payments to my credit bringing down my score instead of it increasing my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I was told before and at closing that rocket mortgage was supposed to pay off the the XXXX XXXX off XXXX XXXX XXXX XXXX ) .But they never did so received a bill from the XXXX XXXX so we have been paying to avoid affecting my credit in the meantime both rocket mortgage and the closing company XXXX XXXX has been given me the run away since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Minto Financial dba Minto Money
State: MD

Complaint narrative:
I was shopping around for a short term loan to and was matched with mintomoney as a good match with fast funding and good rates. I asked for XXXX and was granted the money. It was only after I received the money that I received a document detailing my rates. I am paying XXXX a month which means that even with regular interest, I should have it payed off within XXXX ish months. However, my APR is 544 % which means that my total amount due is XXXX and the estimated payoff date is in XXXX. This is the most predatory situation I have been in. In no way was the APR communicated to me prior to my application. I have been searching for an email or my online documents to see if I made a mistake and did not read clearly however, I did not in any receive a document detailing my payments before the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SC

Complaint narrative:
On XXXX XX/XX/XXXX, I resubmitted my military deferment request along with my military orders and a signed memo stating that I was serving in XXXX XXXX at that time. The deferment request was approved for XX/XX/XXXX to XX/XX/XXXX. I only requested it through XX/XX/XXXX. I am not sure where XX/XX/XXXX is from because I was not in XXXX XXXX, nor did I need deferment during that time. My deferment was approved on XXXX XX/XX/XXXX, but what was requested was not granted. I did not ask for my repayment plan to change, I did not ask for deferment through XX/XX/XXXX, and I also did not ask for my new plan to begin on XX/XX/XXXX. I am simply requesting that the late payments be removed during the time of the approved deferment period. Also, how did my principal balance go from {$30000.00} on the Notice of Repayment Schedule Change form to {$31000.00} on my Edfinancial account? We are between payments, and no new statement has been posted.

Company response to consumer: Closed with explanation