vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$53.00} through Cash App. The transaction was listed as approved by Cash App but denied by the merchant ( my electric company ) in the app interface. Based on this information, I reasonably believed the payment had not gone through to the merchant. 
Because the payment appeared denied by the merchant, I made a second payment of {$56.00} on XX/XX/XXXX. A dispute was later filed ; however, a Cash App representative incorrectly filed the dispute against the wrong transaction, which delayed access to my funds going through to the merchant. 
While the incorrectly filed dispute was processing, my funds were unavailable, and I was forced to take out a XXXX XXXX XXXX installment loan on XX/XX/XXXX in order to pay a necessary bill. 

I ultimately won the dispute, confirming the transaction issue. Despite this, Cash App required repayment of the installment loan, stating it could not be adjusted or forgiven ( {$60.00} ). A manager later closed my case without providing a resolution and said I still had an obligation to pay it. After closing the case, Cash App automatically offset incoming funds sent to me by my husband for essential household expenses ( bills and groceries ) to collect on the loan, causing immediate financial hardship. The loan would not have been necessary if the transaction status had been accurate and if the dispute had been filed correctly. I am being financially penalized for Cash App system and support errors despite the dispute being resolved in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Today, XX/XX/2026, my husband received a call while he was working from MIDLAND CREDIT and they were trying to collect a debt, which I have advised that I never opened. Then they proceeded to tell my husband that he needs to have a conversation with me about my debt. The female told him the amount of the debt & demanded that he pay it since hes my husband. He told her that he would relay the message and confirmed my contact information, but advised that they would need to speak with me. 

I then took the call when they called me & I advised that I never ordered credit card with them. Asked them to send me proof in writing. Caller wanted to continue to argue with me. I told her to cease & desist all calls to myself & my husband & to only contact me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
In XXXX, I have a recording of a case manager from Calvary that refused to give their name, I demanded the person to cease & desist under the FDCPA and the case manager continued to attempt to collect the debt over the phone. I calculated {$6000.00} dollars in damages for violating the FDCPA for continuing to speak after a XXXX XXXX XXXX was legally demanded. I was going to let the matter go but The Company continues to attempt to collect and communicate with me by mail threatening to sue me after I demanded them to cease & Desist. I HAVE THE RECORDING OF THE VIOLATION and their letter dated XX/XX/XXXX that further proves they violated the FDCPA. An Cease & Desist Letter has been mailed to Calvary on this day, XX/XX/XXXX. I would like to point out that the FDCPA is a strict liability Statute and a Cease & Desist is just that, whether Verbally or written. I only need to show one violation to establish a FDCPA claim. See 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 

Furthermore, Calvary, in addition to the above violation, Cavalry also committed a False and Misleading Representation violation under the FDCPA USC 1692 e by claiming in their letter that they are the " Current Creditor. '' This agency gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC 9 203 ( b ) ; and has no original contract, promissory note and are not contract assignee holders in due course in accordance with UCC 3 302. See XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX ). There's another {$1000.00} dollars Calvary owe in damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: MN

Complaint narrative:
Since the beginning of XXXX I noticed my atm fees in which I didn't pay attention to the year prior had gone way up. I have made a couple calls periodically threw the year and complained and asked what I could do and all they could tell me is to drivXXXX XXXX to XXXX miles to use one of there atms. Now it's XX/XX/XXXX and I went threw all year on my statements for XXXX and calculated {$980.00} in atm fees. XXXX in which are month maintaince fees. On the XXXX of XXXX I placed another call and asked if they can help me find a better account along with if the could refund any atm fees. I was told she will make a note on my account and yet again no help. On the XXXX I went into XXXX branch and told them to refund some of the atm fee it its ridiculous and that I didn't make u.s bank take the atm or make them move out of my town which is XXXX  XXXX so I shouldn't be punish for them not even leaving a atm for us to use. On the XXXX I called yet again after finding what i believe will be a better account for myself and was told again nothing could be done about theses fees. This is very sad situation for many in this town after all the years business we gave them and many brought up the issue it was going to cause if atleast an atm wasnt left behind and it obvious they did care because her i am charged with XXXX dollars in atm fee or so plus pay a monthly maintaince fee and it's beyond ridiculous. I would like compensation for this with the atm charges.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
am filing a complaint regarding an unresolved debit card dispute with SoFi. 

I opened a debit card dispute on XX/XX/year> for charges made by XXXX, a high-risk online trading platform. 

It has now been over 30 days, and SoFi has provided no meaningful status updates, no written explanation, and no provisional credit. I am repeatedly told only that the dispute is in progress, with no details regarding merchant response, investigation stage, or expected resolution date.

I have contacted SoFi multiple times requesting clarification under Regulation E, but I have not received adequate information or transparency regarding the handling of my dispute. 

The merchant restricted and unlocked my account inconsistently during the dispute process, and I requested a refund and ceased using the service. I am seeking a clear written status update, confirmation of whether provisional credit was considered or denied, and timely resolution of my dispute.

I am requesting CFPB assistance to ensure SoFi complies with its obligations under Regulation E and provides proper communication and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Heights Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX0XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation account number - XXXX To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor.

2. The original account number and any reference number you use.

3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits.

4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to.

5. Complete chain-of-title documentation showing how this debt was transferred or assigned to your agency.

Please * * cease all collection activity and communication * * with me until you have provided the requested verification of this debt. I also request that you * * do not report this alleged debt to any credit reporting agencies * * unless and until validation is complete. 

This letter is not an acknowledgement of liability for this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Perpay, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX Perpay XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX SENT VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your letter regarding an alleged debt referenced above. I do * * not * * acknowledge that I owe this debt and am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to federal law, I request that you * * validate and verify this debt * * by providing me, in writing, all information that substantiates your claim within thirty days, including but not limited to : 1. The name and address of the original creditor.

2. The original account number and any reference number you use.

3. An itemized statement showing how the amount claimed was calculated, including principal, interest, fees, and credits.

4. A copy of the original contract or agreement that you allege I signed or are otherwise bound to.

5. Complete chain-of-title documentation showing how this debt was transferred or assigned to your agency. 

Please * * cease all collection activity and communication * * with me until you have provided the requested verification of this debt. I also request that you * * do not report this alleged debt to any credit reporting agencies * * unless and until validation is complete. 

This letter is not an acknowledgement of liability for this alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CT

Complaint narrative:
Received unsolicited mail from the creditor and this is not mine please remove!!! 15 U.S. Code 1692 ( g )

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
They have not sent in a report to XXXX  since XX/XX/year> still stating a incorrect account balance I have contacted them they stated I have to send a letter in to file a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Good day. I can not emphasize enough how utterly frustrating and debilitating this situation is. You wake up one day to discover a debt you know nothing aboutunverified and completely unrelated to youfollowed by relentless harassment across multiple communication platforms using various tactics. I never imagined starting my day with threats of legal action. As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated. It's severely impacting my mental health, leaving me with sleepless nights for days on end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NC

Complaint narrative:
I reached out to Sallie Mae regarding a payment plan extension. I have been on a lower payment for the past XXXX years and have been making my payments as required. I was notified that my payments would be going from {$730.00} to {$1400.00} beginning in XX/XX/year>. I notified Sallie Mae that I would be unable to make this full payment and I would only be able to $ XXXX Sallie Mae said that there is no way for them to lower my payments and that I would have to wait until the account was past due for loan modification. I really need a fair and low rate but they are not very lenient on payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complainant : XXXX XXXX Provider : XXXX XXXX XXXX Account Phone Number : XXXX Formal Complaint Deceptive Billing and Misrepresentation I am submitting this complaint due to XXXX XXXX XXXX continued deceptive billing practices, failure to follow through on promised resolutions, and actions that effectively function as a financial scam. 

After XXXX XXXX XXXX wrongfully withdrew approximately {$900.00} from my bank account for a trade-in device dispute, I contacted XXXX XXXX XXXX again to resolve the matter. During this call, which lasted nearly XXXX hours, I repeatedly requested to speak with a manager or supervisor. The representative failed and refused to place a manager on the call, despite stating that one would be involved. 

Instead of refunding the improperly withdrawn funds back to my bank account, XXXX XXXX XXXX unilaterally applied a credit to my XXXX XXXX XXXX  account, without my consent. This does not resolve the harm caused, as the funds were taken directly from my bank account and caused overdrafts and financial disruption. 

By doing this, XXXX XXXX XXXX effectively retained control of my money, forcing me to continue service or payments to access funds that were wrongfully taken. This practice is deceptive and misleading, as it falsely presents the issue as resolved while denying an actual refund. 

Additionally, XXXX XXXX XXXXXXXX conduct follows a repeated pattern : Unauthorized withdrawal of funds Contradictory explanations regarding the trade-in device Failure to provide evidence supporting their claims Failure to honor verbal and documented assurances Refusal to escalate the issue to management Issuing account credits instead of bank refunds to retain customer funds Why This Constitutes a Scam XXXX XXXX XXXX withdrew funds without authorization, reversed them only after complaint, then re-withdrew funds, and ultimately issued an internal credit instead of returning the money, creating financial leverage over the customer. This pattern reflects misrepresentation, unjust enrichment, and deceptive business practices, consistent with scam-like behavior. 

Requested Resolution I request : XXXX. Immediate refund of all improperly withdrawn funds back to my bank account XXXX. Reimbursement of any overdraft or related fees XXXX. Written confirmation that no further charges will be attempted XXXX. Formal investigation into XXXX XXXX XXXX billing and trade-in handling practices I am filing this complaint to prevent further financial harm and to request regulatory oversight of XXXX XXXX XXXX actions.

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 2026-01-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: CA

Complaint narrative:
This Company try to Collect Debt That I don't Owe them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
My chime account was closed with my money still in the account so they said they will send me a check with my remaining balance, I called several times to see when I will receive it and was told different dates from different representativesthen I was told they already send the check out for {$910.00}, then the next rep told me {$810.00} .. I asked for a tracking number on the check and they said they dont have one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX is a debt collector. They are falsely reporting on my credit!! Account number XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an existing, long-time customer who received a targeted ( non-public ) offer through my online American Express account offering a {$250.00} bonus promotion for to sign up for a new rewards checking account and meeting minimum direct deposit requirements.

I opened my account and completed all requirements as communicated to me through my targeted offer from American Express. After not receiving the bonus as advertised after the stated posting time had passed, I contacted customer service ( via phone call ) to inquire about the issue. After a brief research, the customer service representative could quickly deduce that I was never eligible for the advertised bonus in the first place since I had previously had a checking account with American Express which I had closed several years ago.

I see no problem with banks and financial institutions like American Express having conditions for new account promotions to attract new customers, as is common practice with publicly available offers, However, in my situation, American Express engaged in deceptive practices by targeting me as an existing ( and loyal ) customer with an advertised promotion to encourage me to create a new account for which the terms and conditions were structured in that there was no possible way that I could meet the requirements to attain a promotional bonus.

As I have in good faith met the deposit requirements as communicated to me through the targeted, personal communication by American Express and I look forward to their response to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: LA

Complaint narrative:
HUNTER WARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HUNTER WARFIELD 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 explanation
Consumer complaint received 2026-01-08 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:
This is not only a complaint but also a formal request for debt validation submitted to Jefferson Capital Systems through the CFPB. I have attached my written request for validation, which specifies the documents required to lawfully verify the debt under the Fair Debt Collection Practices Act ( FDCPA ). These include the original signed contract, proof of ownership or assignment of the debt, the purchase agreement, and a full accounting of the balance claimed. I am submitting this request through the CFPB platform to ensure that Jefferson Capital Systems receives it, is required to respond, and is held accountable under federal law. I trust that the CFPB will forward my attached letter along with this complaint to the company for their proper action. In addition, I request further information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : XXXX. ) The Date of First Delinquency ; XXXX. ) The date the account was charged off ; and XXXX. ) The date the account was acquired by or assigned to Jefferson Capital Systems.

Company response to consumer: Closed with explanation