vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Servicer under contract with Federal Student Aid
State: VA

Complaint narrative:
I have multiple credit reports that wasnt from me personally. I believe its fraud. XXXX accounts that wasnt from me personally are XXXX XXXX and all four of the US department of education accounts. I have been trying my best to despite it but have yet to resolve the situation.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: CA

Complaint narrative:
On XXXX, XX/XX/year>, I received an email alert from XXXX stating that a XXXX collection agency had flagged a debt on my credit report. When I logged into XXXX, I saw a message saying XXXX XXXX XXXX has flagged an account for collections on XX/XX/XXXX, XXXXThe amount was {$7600.00}. There was a number to call but besides this there was no other information about this alleged debt.I immediately called them on XXXX XXXXThey informed me that this alleged debt was from XXXX apartments XXXX I stated that I was unaware of any debt from this company and I would look into what this is. I then went through all files/ bills that I keep and I was not able to find any communication about this alleged debt in question. I then called them back on XX/XX/year> and asked them to confirm when the communication went out and where to because I was totally baffled and blindsided by this large debt. The male who I was speaking to said it probably got sent out on XX/XX/year> when it was assigned to them, He was definitely not confident of the information, as though he was making this information up. He then became very aggressive when I stated I needed something more solid that a guess. He then said he was certain it was sent on XX/XX/year> but did not provide me any other details. He then started aggressively talking to me saying Now lets talk about something more important like when you are going to pay this debt. I then decided to discontinue talking with him as he was being very aggressive and unprofessional. The call was recorded by them at about XXXX XXXX XXXX XXXX on XX/XX/year> so it should be available for review. As I received no communication about this debt, I believe this collector failed to provide the legally required validation notice before reporting the debt according to the FDCPA. Specifically Under 12 CFR 1006.30 ( a ) ( 1 ), " a debt collector must not furnish information about a debt to a consumer reporting agency before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Sends a letter or electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems llc is reporting false and inaccurate information on my credit report. I have disputed multiple various accounts and credit bureau has removed the report but Jefferson Capital Systems Llc keeps putting the same and also other accounts that are either fraudulent or inaccurate or just plain outright false reports on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX I went to XXXX, using my Apple Card ( XXXX ) for an XXXX ( for XXXX ) down there and a coffee from a coffee shop ( XXXX XXXX XXXX for XXXX ) I frequently visited in the past. As well as a CVS ( for XXXX ), XXXX XXXX ( for XXXX ) and XXXX XXXX XXXX ( for XXXX ) which is the only new location I went to. I then took another XXXX for ( XXXX ) I also went to a target at XXXX XXXX and my card despite a positive available balance was declined. I received a notification for suspicious activity and tapped yes to confirm it was indeed me making the purchase. It went through ( for XXXX ). The target I went to didnt have everything i needed so i attempted to make a pick up order at the XXXX XXXX location on XXXX for XXXX and I was declined. I reached out to XXXX XXXX and was informed my card was placed on restriction for suspicious activity. Only XXXX of the locations I used my card at were new to me. I was given at first an estimate of XXXX business days to review the card and lift the restriction via text using Apple Card support and then a wider window of up to XXXX days when I called. Ive had this card since XXXX and the only person who has ever used this card besides me was my husband who was an authorized user on the card in the past. The only time I have ever had an issue with my card and disputed any charges was for {$2.00} and it was only once. Ive paid down my debt recently to take advantage of an installment plan using my Apple Card and I feel I am being punished for paying down my debt. I really dont understand. I have never had any issues with any of my Apple accounts or Apple ID attached to my account. I have spent thousands of dollars on Apple products over the years and Ive never as so much returned an item. Its left a really bad impression on me. Especially since I rarely go to stores Ive never been or dispute anything. The fact that I wasnt able to just confirm the charges considering I am using my cell phone. My device has only ever been out of my possession in XX/XX/XXXX when my XXXX XXXX XXXX XXXX was stolen and I did my due diligence and reported it as stolen immediately to lock all my cards in my apple wallet to prevent unauthorized transactions. I really believe their system of restriction on XXXX XXXX to be heavy handed especially since there are so many ways I can prove it was indeed me trying to make the purchase. I informed Apple Card support that I intended to purchase the XXXX XXXX XXXX so I wouldnt have to face the embarrassment of being declined for suspected fraud as well. I also withdrew XXXX from Apple savings as it was the only digital money I had to get an XXXX home. Apple left me without access to my card and if i didnt have that I would have had to take the train all the way back to XXXX with heavy bags.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
The original date of dispute is XX/XX/year> This alleged debt originates from XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Bull City Financial Solutions has failed to provide any documentation from the original creditor, including an itemized bill, proof that insurance was properly billed, or an Explanation of Benefits ( EOB ) establishing patient responsibility. Without documentation showing that insurance was processed and that a valid balance remains due, the amount being reported is unverifiable and potentially inaccurate. I specifically requested this information, and it has not been provided. Additionally, no documentation has been provided showing how the current balance was calculated from the original charge, including any adjustments, payments, or insurance determinations. Because the original debt and amount have not been substantiated, this account can not be considered accurate under the Fair Credit Reporting Act and must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter serves as a formal demand for a complete disclosure of the verification process used in your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ], you are required to provide a detailed description of the procedures used to assess the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The continued reporting of these inaccurate items strongly suggests that no proper verification occurred, and that your agency may have relied on automated or incomplete responses from the furnisher, which violates your obligation to conduct a reasonable investigation under FCRA Section 611 ( a ).

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 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: LA

Complaint narrative:
On XX/XX/XXXX via phone, I requested a copy of the XXXX. I was advised it could only be mailed in XXXX working days. Never received. Again in XX/XX/XXXX I via phone submitted a second request, never received. In XXXX via phone I was advised no record found and could not proceed my the request. Now, I have been unable XXXX XXXX due to expired car license and unable to secure the title from Texas to renew the car tag! The car was financed through Toyota Motor Credit Corporation. The XXXX month loan began XX/XX/XXXX and matured in XXXX. Texas XXXX still lists XXXX XXXX XXXX XXXX as XXXX holder. Last contact advised XXXX sent to the former Texas address, but I never received. I am requesting that a XXXX immediately issue and file a lien release, electronically if possible, with Texas XXXX and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Subject : Deceptive Financial Practices and Misleading " XXXX Payoff '' Information by Navy Federal Credit Union XXXX XXXX Description of the Incident : I am filing this complaint against Navy Federal Credit Union ( NFCU ) for providing inaccurate and misleading " XXXX Payoff '' information on their official online banking system, which resulted in unauthorized/unexpected interest charges. On XX/XX/year>, I checked my account to pay off the full balance. The NFCU online system explicitly provided a " XXXX Payoff Amount '' of {$17000.00}, valid until XX/XX/year>. Relying on this official figure provided by the financial institution, I managed my funds accordingly. I had sufficient balance in my checking account to pay the full amount at any time, but I followed the timeline and amount dictated by the banks own system. XXXX. The Core Issue ( Misleading Information & Lack of Disclosure ) : When I made the payment, I discovered that additional interest had been charged, contrary to the payoff quote provided. Upon contacting NFCU, a representative explicitly admitted in writing ( on XX/XX/year> ) that : " We regret that the XXXX day payoff quoted in your credit card summary was incorrect. '' The bank now claims this was only an " estimate '' and that certain transactions ( cash equivalents ) do not have a grace period. However : Deceptive Practice : The online tool did not display a clear, prominent disclaimer stating the amount was a mere estimate or that it excluded specific transaction types. Deprivation of Accurate Counseling : By providing a specific " XXXX Payoff '' figure, NFCU effectively prevented me from seeking accurate human counseling. Had the system not provided this " incorrect '' figure, I would have contacted a representative to ensure a {$0.00} balance. Reliance on Error : I acted in good faith based on the bank 's digital disclosure. The banks failure to maintain an accurate payoff tool led directly to my financial loss.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I am disputing an account listed on my credit report from OneMain Financial. I do not recognize this account. I never signed any documents in a branch, nor did I authorize this loan. I request that OneMain Financial provide documentation verifying that this debt is mine, including any signed agreements and account statements. If verification can not be provided, I request that the account be deleted from my credit report immediately. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CFPB Complaint Text Ready to Copy & Paste : Bank / Company : Capital One Type of Complaint : Bank account Account access / online banking problem Complaint Description : I, XXXX XXXX XXXX, am the account holder of a Capital One bank account. My online access has been locked because the bank requires verification through a U.S. phone number that I no longer have access to. I am currently outside the United States and do not have a U.S. phone number. Email is my only available method of communication. I have sent multiple emails to Capital One requesting assistance to update my phone number and complete identity verification, but I have received no response. My debit card is still active, confirming that my account is not closed or frozen. However, I am being denied access to my own funds due to outdated phone verification requirements. I urgently need access to my account to transfer money to my son. I am fully willing to provide any identity documentation required, including a copy of my passport and any other verification documents. I am requesting that Capital One : 1. Update or remove the outdated phone number on my account. 2. Allow alternative identity verification ( email or document-based verification ). 3. Restore my full online account access immediately. This situation is causing financial hardship, and I respectfully request prompt resolution. Attachments : Passport copy Any previous bank statement ( optional ) Last 4 digits of Account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: UT

Complaint narrative:
Product : Mortgage Company : AmeriHome Mortgage / AmeriHome Servicing Issue : Problems with payment processing / recurring servicing errors Complaint Narrative ( copy and paste ) : I am submitting this complaint regarding recurring servicing failures by AmeriHome Mortgage despite a prior CFPB complaint that was officially resolved. Previously, I filed a complaint with the CFPB concerning direct deposit and credit reporting issues related to my mortgage account. In their formal response, AmeriHome represented that the issues had been corrected and committed that the problems would not occur again. However, on XX/XX/year>, when attempting to make my scheduled mortgage payment, I was unable to do so due to a system failure on their website. The portal displayed the following message : Payments unavailable. Online payment scheduling is currently unavailable. Please try again later. At that time, I was completely blocked from making any online payment. This raises serious concerns about the reliability of their servicing platform and whether the prior corrective actions were actually implemented. Given the previous CFPB resolution and the companys commitment that these errors would not recur, this repeated system failure suggests a pattern of servicing instability that puts my account and credit standing at risk.

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 2026-03-02 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Charged upfront or unexpected fees — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
today ( XX/XX/year> ) while I check my credit. I found that I have a loan. WESTLAKE FINANCIAL SVC. I never got a auto loan and also I didn't have my SSN in that time.

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 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
A Company Call XXXX XXXX XXXX XXXX contacted me about a debt owed to US BANK in California over 15 years ago when after 7 years nothing showed on my credit report. I paid the amount in what I know believe to be a scam.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CT

Complaint narrative:
I need a statement from XXXX XXXX they were a partner bank of Axos bank they stopped servicing the United States. I have tried to contact Axos bank and XXXX XXXX my previous filed complaint to XXXX XXXX did not address my issue all I need is a statement for my accounts with XXXX from Axos. I have not been able to contact either bank other than this interaction Ive spoken to customer service at both companies and no one can give me any answers I did reach out to the email in question, XXXX I have not received any response since around Thursday. Ive uploaded screenshots of the emails. I just want my XXXX XXXX bank account statements thats all Im asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GA

Complaint narrative:
My Cash App account was closed for no reason. Their excuse for closing it was that I was a part of a log in that happened in XXXX. I reside in XXXX. They would not provide any information or proof that I was attempting to do something fraudulent. No one else had my Cash App password or login information. i was not able to get funds out of that account or use my Cash App card. They wont even allow me to make another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I believe this company XXXX XXXX XXXX XXXX it's a fraud scam litigation firm. They pursued a payment with judgment if I didnt pay a balance which I did regarding USBank from about XXXX to XXXX years ago. XXXX XXXX is the merchant though I don't believe their firm is legit.

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