vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: OR

Complaint narrative:
Canceled XXXX internet services in XXXX of 2025. Equipment returned on XX/XX/year>. Final balance of {$41.00} paid in full XX/XX/year>. Confirmed balance owed of {$0.00} post XXXX payment. See text confirmation below : Thanks for making your {$41.00} payment to XXXX! Your confirmation number is XXXX. To review your bill and payment details, sign up for automatic payments or paperless billing, you can go here : https : XXXXXXXX XXXX Msg & DataRatesMayApply Received text from XXXX contact number XXXX. Message as follows : Your XXXX account has been placed for collection with SEQUIUM ASSET SOLUTIONS LLC, a collection agency. SEQUIUM ASSET SOLUTIONS LLC will contact you to resolve your outstanding balance. Make a payment at https : XXXX California Debt Collector License XXXX. XXXX XXXX XXXX into XXXX account and confirmed balance still at {$0.00}. Called XXXX customer support and asked why my account was sent to collections with a {$0.00} balance. After being placed on hold for XXXX minutes, he responded saying my XXXX account balance is {$0.00} and I owe nothing. I asked why I was sent to collections, and he said this is an automated thing their system does. I then asked why Id be sent to collections when XXXX paid in full. He said its a scam, these hackers do it all the time. I explained that Ive read that this has happened to previous customers based on posts on the XXXX forums page, and that I researched the collection agency and it appears like a legitimate collection agency. He said he doesnt know. I asked him to send a summary of our conversation, or at least an email showing my balance is {$0.00} on my account. He said no and ended the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: NV

Complaint narrative:
This is an escalation regarding my existing complaint # XXXX selected Unauthorized transactions or other transaction problem because Cash App mishandled my dispute, denied it without notifying me, and failed to provide the required documentation. This prevented me from submitting a rebuttal and blocked me from resolving the transaction problem.Cash App terminated the inapp chat for this dispute, leaving me with no way to communicate or submit information. I have fully complied and provided all requested details by email, yet Cash App continues to delay and refuses to return my funds for services I never received.I am experiencing severe financial hardship as a single parent with unstable housing. I urgently need the funds from these disputes for basic living expenses.My original complaint has been stuck in OPEN status since XX/XX/year>, and the portal does not allow me to send followup messages. I am requesting immediate review and confirmation that my original complaint will be forwarded to Cash App for response. If additional information is needed, I need to be notified immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
Approximately two months ago, my Marcus by Goldman Sachs account was suddenly restricted without a clear explanation. Since the restriction began, I have made at least four phone calls to Marcus customer service attempting to resolve the issue and regain access to my account. During these calls, I was repeatedly told that the matter was under review or being handled by another department, but I was not provided with a clear explanation for why my account was restricted or what specific steps were required to resolve the issue. After several calls, I was eventually told that Marcus had attempted to mail me an XXXX form for identity verification purposes. That document was never received because the address they used was incorrect. After giving them the correct address, they said the documents arrive within approximately 10 days. It has now been more than 10 days since I was told the XXXX would be mailed, and I still have not received anything. I have continued to experience restricted access to my account and funds during this entire period. I have made repeated efforts to cooperate and resolve the issue, but I have not received timely assistance, clear communication, or a resolution from Marcus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This complaint concerns a severe operational consumer account failure and digital platform glitch by Bank of America/XXXX XXXX that has resulted in a forced liquidation of my assets and an immediate, involuntary low six-figure financial tax injury. I am an international resident legally living and working in California. I have maintained an account with XXXX XXXX for years. Last year, the institution requested an updated immigration verification document ( Form XXXX ). I explicitly complied with this request by utilizing XXXX XXXX XXXX official mobile application interface to upload my current, valid Form XXXX document. The app interface indicated the upload was complete, and I received no subsequent error messages or notifications stating the document was rejected or unverified. Recently, without any warning, XXXX XXXX fully liquidated my entire long-term investment portfolio into cash, citing an unverified XXXX document. XXXX XXXX completely failed to successfully communicate this pending action to me. While I routinely receive standard operational emails from them ( such as password changes, login alerts, and shareholder proxy votes ), I received zero emails, zero letters, zero phone calls, and zero voicemails regarding this compliance threat or the impending liquidation. I immediately called XXXX XXXX to dispute this. On Friday, XX/XX/2026, a supervisor opened an internal compliance investigation file. case number : XXXX case manager : XXXX XXXX Since opening this file, XXXX XXXX has completely stonewalled me. Despite calling daily, representatives refuse to connect me to the assigned case manager or provide a written communication log, actively running down a critical 45-day operational window during which the firm can execute an " As-Of Correction '' to reverse these unauthorized trades. DESIRED RESOLUTION : I require the CFPB to compel Bank of America/XXXX XXXX executive consumer compliance team to investigate this communication and mobile application upload failure. I demand that XXXX XXXX provide the complete, raw communication server logs to show where notices were sent. Because we are well within the 45-day operational window, I expect XXXX XXXX to execute a retroactive " As-Of Correction '' to reverse the forced liquidation, reinstate my original positions, and nullify this involuntary tax event caused by their operational negligence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 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 non-monetary relief
Consumer complaint received 2026-05-28 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: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to comply with its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to provide, upon request, a detailed description of the procedures used to reinvestigate disputed information. I specifically requested the name and contact information of the furnisher, the identity of the individual contacted during the reinvestigation, and the documentation relied upon to verify the accuracy and completeness of the disputed account. The agency did not provide the requested information within the 15-day period mandated by law. This failure to disclose the method of verification constitutes a clear violation of the FCRA and deprives me of the opportunity to determine whether the disputed information was properly, independently, and lawfully verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is attempting to collect on a debt that is currently in dispute with the business responsible for payment of this debt ( XXXX XXXX ) and their financing partner ( XXXX ). XXXX XXXX contractually guaranteed timely payments to financing partners ( XXXX ) upon joining a tech training program. They did not make such payments. I requested a cancellation from the program before the first installment payment was due. XXXX XXXX refused. What you're looking at is a business model built on broken promises and deliberate entrapment. I've contacted XXXX on multiple occasions informing them of this breach of contract by XXXX XXXX. The financing partner ( XXXX ) is now pursuing this debt through a collection agency ( XXXX XXXX ). Documents attached, including the contract obligating XXXX XXXX, have also been presented to the CFPB in complaints against both XXXX and XXXX. Further actions will be taken if a satisfactory resolution is not met.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I financed XXXX XXXX treatment through a financing agreement that has since been paid in full, including interest. Shortly after beginning treatment with my first set of aligners, I experienced significant pain and XXXX in my jaw area. I reported these symptoms to XXXX during treatment but did not receive meaningful assistance or resolution. At the time, I was XXXX and advised by dental professionals to delay XXXX until after XXXX. Once I was able to obtain diagnostic imaging XXXX, I was instructed by my dentist to discontinue treatment immediately due to concerns regarding the aligners and my symptoms. Despite raising concerns earlier, XXXX denied my refund request because it fell outside of their return window. Additionally, I never received the remainder of the aligners associated with my treatment plan, meaning the contracted treatment was never fully delivered or completed. Byte has now ceased operations entirely. I am disputing the validity of the financed transaction because : * the treatment allegedly caused medical complications, * my safety concerns were not properly addressed, * the treatment was medically discontinued, * and the full treatment/products were never delivered. I am requesting investigation of the financing arrangement, review of the merchant practices associated with this account, and reimbursement for a financed treatment that could not safely be completed and was never fully fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I received documentation from Nelnet that my student loan Account XXXX was paid in fulled and as a result there is a XXXX balance and no further payments were due on the loan. Next, on XX/XX/XXXX, Nelnet wrote to me saying they have updated or applied an income driven repayment plan payment to the loan listed above due to a change in the repayment plan. They stated that the loan which was previously repaid in full will now have a monthly payment of {$430.00}. I have written to them on numerous occasions and even asked them for them for the promissory note. The note submitted to me is not the information I used when I filled out the note but an updated one on my present information. There has been no information on how they went from paid in full to a monthly payment. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year>, I made a payment of {$230.00} through Chime/XXXX XXXX for a product advertised by an online peptide research company operating under the name XXXX XXXX XXXX XXXX . The payment was sent to a personal XXXX XXXX account under the name XXXX XXXX rather than a verifiable business account. After the payment was sent, the merchant began providing confusing and misleading refund instructions. The merchant claimed there was a problem with my Chime payment and repeatedly stated that I needed to follow a special process to access a refund. The merchant attempted to pressure me into sending additional money in order to supposedly release or process the refund. During these communications, the merchant discouraged me from contacting Chime and warned that accounts could be frozen if Chime became involved. The merchant also directed me to supposed Chime refund communications that were sent to a XXXX address used on the merchant website, not the XXXX email address actually associated with my Chime account. This caused me to believe the merchant may have fabricated or spoofed banking/refund communications. I repeatedly requested a normal refund and clarification regarding the refund process. Instead of processing a standard refund, the merchant continued providing misleading instructions and pressure tactics. I ultimately refused to send additional money because I believed the situation was fraudulent. I filed a dispute with Chime and provided supporting evidence, including payment records, screenshots, website information, and a full XXXX conversation transcript documenting the merchants conduct. However, my claim was denied. I am requesting review of this matter as deceptive merchant fraud/social engineering involving misleading refund procedures, suspected impersonation-style communications, and attempted inducement of additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am disputing inaccurate and incomplete credit reporting by Portfolio Recovery Associates regarding a collection account reporting a balance of {$610.00}. I previously disputed this account with the credit bureaus. The account now states dispute resolved subscriber disagrees, yet I was never provided adequate documentation proving the alleged debt is accurate, complete, or legally enforceable. Portfolio Recovery continues reporting this account without providing : * A signed contract or agreement bearing my signature * Complete account statements and payment history * Proof of the original creditor * Documentation showing lawful assignment or ownership of the debt * Verification of the balance being reported * Evidence that all reported information complies with FCRA reporting standards Additionally, the account appears to contain incomplete and potentially inaccurate reporting information, including missing account type information and questionable creditor reporting. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report only fully verified and accurate information. I am requesting : * Immediate deletion of this account from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
My apartment was flooded from the above floor. They refused to replace drywall. Mold kept leaking through. They only would send a maintenance guy to wipe it down. I explained I was XXXX and it caused XXXX issues. I have pictures of recurring mold. I was forced to move. They backdated alleged discounts and kept my security deposit. This has been on my credit file since 2021. Pictures still available.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified credit reporting by IC System. IC System is reporting a collection account on my credit report in the amount of {$200.00}. I disputed this account and requested proper validation and verification of the alleged debt ; however, the company continues reporting the account without providing sufficient evidence that the debt is accurate, valid, or legally collectible. The account information being reported appears incomplete and inaccurate, including missing account details and insufficient documentation verifying ownership of the debt. I requested : * A signed agreement bearing my signature * Proof of the original debt * Complete payment history * Proof of authorization to collect * Verification of accurate reporting to the credit bureaus Despite my dispute, IC System continues to report the account while failing to provide competent evidence validating the debt. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), furnishers and debt collectors are required to conduct a reasonable investigation and report only accurate, verifiable information. I am requesting : * Immediate deletion of this account from all credit bureaus if proper verification can not be provided * A complete investigation into the accuracy of the reporting * Copies of all documents used to verify this account * Correction of any inaccurate or incomplete information This inaccurate reporting is negatively affecting my credit profile and financial opportunities.

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