vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I was never informed that the student loans was starting to accept payments again, i have a new address so i never received any mail which is strange, i have a new email which i never received any notice either that's understandable, i have the same phone number and i haven't received any phone calls only scammers trying to scam me. It's unfair to know that i was 90 days behind on a payment and my credit score dropped XXXX points due to not paying my federal student loans. If i knew i would of began to pay them. Please help. also in the past i have been scammed before by a " student loan '' provider about a year ago i received a check in the mail regarding a court order that proved that comapny was scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
I am responding to Cash Apps statement that my complaint is a duplicate and contains no new information. This is incorrect. I am formally providing additional clarification and requesting a reinvestigation under Regulation E. The transactions in question occurred during a period in which my financial accounts and mobile device were compromised. I have since identified that unauthorized access was gained through my phone and/or credentials, which allowed third parties to access my Cash App account without my knowledge or consent. These transactions were not initiated by me, I did not authorize them, and I did not benefit from them in any way. Cash App has not provided : Any login/IP/device access logs Any authentication records Any explanation of how the transactions were verified as authorized Simply stating that a prior investigation occurred does not satisfy the requirements under Regulation E for a reasonable and good faith investigation. I am now formally requesting : 1. A reinvestigation of all disputed transactions 2. Disclosure of : Login history ( IP addresses, devices ) Authentication methods used ( PIN, biometrics, etc. ) Transaction authorization data 3. A written explanation of how each transaction was determined to be authorized 4. Reimbursement of all unauthorized transactions This complaint includes new clarification regarding account compromise, which was not fully articulated in my prior submission. If Cash App continues to deny this claim without providing the above documentation, I request that this matter be escalated and reviewed for compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am submitting a follow-up complaint regarding my inability to access my account with JPMorgan Chase XXXX My prior complaint was closed based on the assertion that I did not meet verification requirements. That characterization is inaccurate and does not address the actual issue. I am not refusing or failing to verify my identity. I am unable to complete verification because Chase is restricting me to SMS-based authentication, which I can not access. I have repeatedly requested an alternative verification method ( such as phone call or other secure identity verification ), but none has been provided. This creates a situation where I am effectively denied access to my own account without any reasonable or accessible means to complete the required verification process. Additionally, my previous complaint was dismissed without addressing this core issue. The responses I have received rely on generic statements about verification requirements but do not identify any method I can actually use to verify my identity. My complaint is specifically that : Chase has failed to provide any accessible method for me to complete identity verification I am being denied access to my account as a result My prior complaint was not substantively reviewed, as this issue was not addressed I am requesting that this complaint be reviewed with focus on the lack of accessible verification options, and that Chase be required to : Provide a specific alternative verification method that does not rely on SMS Restore my ability to access my account upon successful completion of that method If Chases position is that no alternative verification method exists, then they are effectively preventing me from accessing my account despite my willingness to verify my identity. I request a substantive response addressing this issue directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: MN

Complaint narrative:
Everytime I try to register for a free cashapp card it won't let me get one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am currently unable to access my JPMorgan Chase account due to verification methods that are not usable in my situation. SMS verification is inaccessible to me, and phone verification is unreliable because I am located outside the United States and calls frequently disconnect before the process can be completed. All available verification methods require SMS at some stage, making it impossible for me to complete verification and access my account. Repeated attempts with frontline support have been unsuccessful ; each time I am passed to another agent who can not provide a solution, creating an endless loop with no resolution. Additionally, I am locked into a XXXX XXXX, which I do not want and can not use, as I do not live in the United States. I have no way to change to a free account appropriate for my situation. As a result, I am being charged {$150.00} for an account that is effectively unusable to me. These fees are unacceptable. I am requesting the following resolution : Provision of a workable verification method that does not rely on SMS or unreliable phone connections, or a manual review to restore account access. Conversion of my account to a free account suitable for my situation outside the United States. Reversal of all fees and penalties incurred due to the inaccessible account and verification process, including the {$150.00} XXXX XXXX fee and any overdraft or late fees caused by lack of access. If a clear and actionable response is not provided, I will escalate this matter to the Office of the Comptroller of the Currency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : [ Insert Account Number ] Original Creditor : XXXX XXXX To Whom It May Concern, I am writing regarding your attempts to collect on the above-referenced account, allegedly owed to Portfolio Recovery Associates , LLC and originally associated with Capital XXXX. I formally dispute the validity of this debt. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Virginia Consumer Protection Act, Va. Code 59.1-196 et seq. I have previously disputed this account and have yet to receive sufficient validation. As such, I demand that you provide the following : XXXX. A copy of the original signed agreement or contract XXXX. A complete account history, including all transactions XXXX. Documentation proving your legal ownership of and authority to collect this debt XXXX. Verification of the total amount claimed, including any interest or fees Until such validation is provided, you must cease all collection activity in accordance with federal and Virginia law. Furthermore, if you are unable to provide proper validation of this debt, you are hereby demanded to immediately : * Delete all references to this account from any and all credit reporting agencies * Cease furnishing any information related to this account * Provide written confirmation that the account has been deleted from my credit file Be advised that reporting unverified, inaccurate, or incomplete information to credit reporting agencies constitutes a violation of the FCRA. Additionally, continued collection efforts on a disputed and unvalidated debt may violate the FDCPA and Virginia law. If you fail to comply with this request, I am prepared to take further action to protect my rights. This includes, but is not limited to, filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Virginia Office of the Attorney General, as well as pursuing legal action against your company for damages, including statutory damages, actual damages, court costs, and attorneys fees as permitted under federal and state law. Please consider this letter as notice of my intent to pursue litigation should you continue to report or attempt to collect on this account without proper validation. This letter is not a refusal to pay, but a notice sent pursuant to my rights under state and federal law. I expect your written response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchased a glasses with sterling optical with required me to open a acct to pay for my glasses. Initially I said I just want open a credit fir XXXX. They open a credit for XXXX was told I had XXXX years to pay. I paid payments fir a year and a half minimum payments. XXXX XX/XX/XXXX the said my promotional was over. But it would be attended if I make payment after that time. I ask for my acct # because I lost my card. They said they could not hive XXXX my acct number. And they was no record of the agreement of extending my promotional agreement. Which lead to believe we I gave them permissions to get payments. You had to have my acct number. So when it expired where did my payments go from XX/XX/year> to now. I will take them to court because I have all transactions from my payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding the mishandling of a fraud dispute and appeal with Credit KarmaXXXX XXXX My account was compromised, which Credit Karmas own resolution team later confirmed, and my account was subsequently closed due to unauthorized activity. I was informed that the account closure was due to an account takeover and their inability to fully protect the account. I was also told I am allowed to open a new account, which further confirms that the issue was due to fraud and not any wrongdoing on my part. Prior to my initial dispute being denied, I contacted Credit Karma multiple times asking how I could submit supporting documentation. I was repeatedly told to wait for an email requesting documents, but I never received any communication. As a result, my dispute was denied without my evidence ever being reviewed. After the denial, I submitted an appeal with supporting documentation as soon as an agent finally allowed me to do so. On or around XX/XX/XXXX, I was told that my appeal had been escalated to management or director-level review and that I would receive a response within 72 hours ( excluding weekends ). Since that time, I have contacted Credit Karma numerous times ( over 7 calls ) and have been consistently told that my case was under management review. However, more recently, I have been told by other agents that there is no confirmation that my case is being handled by management and that it may still be in a standard review queue. This directly contradicts what I was previously told and indicates serious internal miscommunication. Additionally, I have requested supervisor callbacks multiple times and was told I would receive follow-up, but I have not been contacted. I have also been told there is no way to directly contact the investigation or resolution department, leaving me without updates or accountability. This situation has now been ongoing for approximately 34 weeks, with no clear status, no consistent information, and no resolution. Due to this delay and lack of proper handling, I am currently outside of the United States without access to my funds and unable to return. This has caused severe financial hardship, including loss of employment and impact on my ability to support my underage children. Despite the urgency of my situation, my case continues to be delayed without meaningful review or communication. I am requesting a full and fair review of my appeal with all submitted documentation considered, confirmation of the current status of my case and who is handling it, and a clear explanation of why I was denied the opportunity to provide evidence before my initial dispute was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding an auto loan with Fifth Third Bank. On XX/XX/year>, I contacted the bank and was told that if I paid {$4000.00}, I would be able to recover my vehicle. Based on this statement, I made the payment as instructed. However, after I made the payment, I was later informed that the vehicle had already been sold. The bank refused to return the vehicle or refund the {$4000.00} payment. This directly contradicts what I was told before making the payment. Additionally, I requested the call recording from that day as evidence, but the bank failed to provide it. The bank later admitted that there was an error in their process, but instead of resolving the issue, they reported the account negatively on my credit report and filed a lawsuit against me for a remaining balance. As a result of their actions, I lost my vehicle, lost {$4000.00}, and suffered damage to my credit. I believe this is unfair, misleading, and potentially unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Company : Rocket Mortgage Loan # : XXXX Issue Type : Problem with a mortgage servicing company I am experiencing repeated errors and improper handling of my mortgage payments. I make biweekly payments through the companys mobile app in advance of my due date, selecting that the payments be applied toward my regular mortgage. These payments are successfully withdrawn from my bank account, but the company has repeatedly : 1. Reversed or reclassified my payments without my authorization 2. Placed funds into a principal-only or unapplied/suspense account 3. Provided contradictory and false explanations, including : Claiming a payment failed and was never withdrawn ( false ) Claiming the payment was received and refunded ( false ) Most recently, I was told I must : Enroll in automatic payments Pay two months in advance in order to fix the misapplied payments. I was also asked to provide banking information while on a call with a representative, which I refused. I consider these actions inappropriate, misleading, and a violation of proper servicing standards. I have documentation proving my payments were withdrawn and intended for my mortgage. Desired Resolution : Proper application of all payments to my mortgage obligation Correction of any late fees or penalties Confirmation that no negative credit reporting occurred Written clarification of the companys payment processes I have attached bank records of funds being drafted from my account circled inYellow. Confirmation emails from Rocket Mortgage on payments made. I also have screen shots from their mobile app of my account where they have consistently changed my payments to principal only without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number : [ Insert Account Number ] Original Creditor : Capital One To Whom It May Concern, I am writing regarding your attempts to collect on the above-referenced account, allegedly owed to XXXX XXXX XXXX XXXX XXXX and originally associated with Capital One. I formally dispute the validity of this debt. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Virginia Consumer Protection Act, Va. Code 59.1-196 et seq. I have previously disputed this account and have yet to receive sufficient validation. As such, I demand that you provide the following : XXXX. A copy of the original signed agreement or contract XXXX. A complete account history, including all transactions XXXX. Documentation proving your legal ownership of and authority to collect this debt XXXX. Verification of the total amount claimed, including any interest or fees Until such validation is provided, you must cease all collection activity in accordance with federal and Virginia law. Furthermore, if you are unable to provide proper validation of this debt, you are hereby demanded to immediately : * Delete all references to this account from any and all credit reporting agencies * Cease furnishing any information related to this account * Provide written confirmation that the account has been deleted from my credit file Be advised that reporting unverified, inaccurate, or incomplete information to credit reporting agencies constitutes a violation of the FCRA. Additionally, continued collection efforts on a disputed and unvalidated debt may violate the FDCPA and Virginia law. If you fail to comply with this request, I am prepared to take further action to protect my rights. This includes, but is not limited to, filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Virginia Office of the Attorney General, as well as pursuing legal action against your company for damages, including statutory damages, actual damages, court costs, and attorneys fees as permitted under federal and state law. Please consider this letter as notice of my intent to pursue litigation should you continue to report or attempt to collect on this account without proper validation. This letter is not a refusal to pay, but a notice sent pursuant to my rights under state and federal law. I expect your written response within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pollack & Rosen, P.A.
State: FL

Complaint narrative:
am writing to formally dispute the inaccurate reporting of my account handled by Pollack & Rosen on behalf of XXXX XXXX. On [ XXXX ], I entered into a legally binding settlement agreement regarding account number [ XXXX ]. In accordance with that agreement, I paid the agreed settlement amount of $ [ XXXX ], which fully satisfied the account. Despite this, the account continues to be reported inaccurately to the credit bureaus as : Partially paid, and/or Showing an outstanding balance This information is false and misleading. Your failure to accurately report this account constitutes potential violations of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for failure to report accurate information The Fair Debt Collection Practices Act ( FDCPA ), for misleading representation of a debt At no point should this account reflect an outstanding balance after a completed settlement. I am demanding the following actions immediately : 1. Update all credit reporting agencies to reflect the account as : Settled in full or Settled {$0.00} balance 2. Remove any indication of an outstanding balance 3. Provide written confirmation of these corrections If this matter is not corrected promptly, I am prepared to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal remedies if necessary. I have attached proof of payment and documentation of the settlement agreement for your review. This is a time-sensitive matter, and I expect a prompt resolution. Sincerely, XXXX XXXX XXXX XXXX LAST 4 DIGITS OF SSN : XXXX

Company response to consumer: Closed with explanation