vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
" On XX/XX/year>, I received a credit alert indicating that XXXX derogatory line items were added to my credit report by Cedars Business Services , LLC. Upon review, I have determined that this information is inaccurate and misleading, as it does not accurately reflect my payment history. These unauthorized entries have caused significant financial harm. I am requesting the immediate removal of these items and a formal correction sent to the credit bureaus. If this is not resolved promptly, I am prepared to initiate legal proceedings to protect my rights under the Fair Credit Reporting Act ( FCRA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I am requesting assistance in obtaining my qualifying payment count toward income-driven repayment ( IDR ) forgiveness under the Department of Educations one-time IDR payment count adjustment. On XX/XX/year>, I submitted a written request to the XXXX XXXX XXXX Information Center ( Case # XXXX ). I was advised to contact my loan servicer. I also submitted a written request to my servicer, Aidvantage, requesting retrieval or confirmation of my qualifying payment count, including all eligible pre- and post-consolidation periods. Aidvantage responded that my IDR payment count is temporarily unavailable due to ongoing litigation related to the SAVE plan. However, I am not requesting enrollment in SAVE or implementation of SAVE plan provisions. I am requesting my qualifying payment count under the one-time IDR adjustment, which applies independently of SAVE enrollment. As of today, more than 30 days have passed without my payment count being provided, and I have received no substantive update from either XXXX XXXX XXXX or Aidvantage. I am requesting : Confirmation of whether my account has been reviewed under the one-time IDR payment count adjustment. My current qualifying payment count toward IDR forgiveness. Clarification of whether litigation related to the SAVE plan legally prevents disclosure of my qualifying payment count. I am seeking transparency regarding my eligibility timeline for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Resurgent for years has had the wrong amount so I recorded and documented lending clubs and that stated I received XXXX credits from the doctor who essentially aided my XXXX XXXX from erupting and putting me in a hospital for XXXX months. XXXX XXXX said they sent it to resurgent and that I owe around XXXX and that I do not owe XXXX. Resurgent didnt even have the original amount correct which is illegal to then go and report it on my credit score incorrectly I then call them they read me back the cfpb as if they have addressed the matter but they havent and they have been sued by other people for having the wrong amounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates originally reported a debt for XXXX XXXX in South Carolina on my credit file. I am XXXX XXXX in Michigan and have never lived in SC. When I disputed this. PRA admitted the mismatch in an email and live chat. Then they 'updated " the record to my name instead of deleting the unverified account. This is a violation of the Fair Credit Reporting Act because they lack original documentation linking me to this specific debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
Complaint Details : Transaction ID : # XXXX Recipient XXXX XXXXXXXX : XXXX XXXXXXXX I am filing this complaint against Block, XXXX ( Cash App ) for a failure to return {$200.00} from a transaction that has officially " Expired. '' On XX/XX/XXXX, I accidentally sent {$200.00} to the wrong person. After the recipient failed to respond, I monitored the transaction. According to Cash App 's own system notification received on XX/XX/XXXX, the refund for this transaction has " Expired. '' However, the {$200.00} has not been returned to my account balance, nor is it in the recipient 's possession according to Cash App support. I have contacted Cash App support via phone and chat, and they have refused to reverse the " expired '' transaction or provide a timeline for the return of funds. Under Regulation E, I am disputing this as a transfer error. Since the transaction " expired, '' the funds should legally be returned to the originator ( me ). Cash App is currently withholding {$200.00} of my funds without a valid legal or technical basis. Desired Resolution : I request that Cash App manually credit my account for the {$200.00} associated with the expired transaction ID # XXXX immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am formally disputing the alleged enrollment in the Account Assure program on my credit card account. I did not enroll in this program, nor did I knowingly authorize monthly fees to be charged. I only became aware of these recurring charges in XX/XX/XXXX. Your records state that I enrolled online on XX/XX/XXXX. However, whenever I logged into my online account over the years, I repeatedly saw pop-up advertisements asking whether I wanted to enroll in the Account Assure program. If I had already been enrolled since XXXX, there would be no reason for the system to continue prompting me to enroll. This strongly suggests that I was not knowingly or properly enrolled. I am requesting documented proof of my alleged authorization, including timestamped electronic consent records, IP address logs, and the full disclosure that was presented at the time of enrollment. From XXXX through XXXX, monthly fees of approximately {$8.00} {$10.00} were charged to my account. During XXXX, I experienced financial hardship. Had I known I was enrolled in this program, I would have used the benefits. Instead, I paid for services I did not knowingly authorize and did not use. The {$57.00} credit issued does not adequately resolve this matter. I am requesting : A full refund of all Account Assure fees charged from XX/XX/XXXX, through cancellation Reimbursement of any interest assessed on those fees Written confirmation that the program has been permanently canceled Written proof of my alleged enrollment authorization If proof of authorization can not be provided, I expect a full refund of all fees associated with this program. I request a written response confirming the total refund amount and resolution of this dispute. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: American First Finance, Inc.
State: MO

Complaint narrative:
I purchased furniture from furniture deals in XX/XX/XXXX in the amount of XXXX have made payments since XX/XX/XXXX every XXXX weeks in the amount of {$110.00}. The current account balance as of XX/XX/XXXX is XXXX. I contacted the company asking why my balance hasnt changed and was told it was due to interest charges. I asked what was the amount of interest. The representative told me they didnt have access but could email it to me. I never received any email correspondence. The online account shows no statements. The transaction history only shows my payments. This company has been very deceptive with their billing practices in the fact that Ive made payments totaling {$1600.00} and my account balance is only {$12.00} less.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CO

Complaint narrative:
A friend asked for a loan and I agreed. She asked me to send her {$70.00} on cashapp. She is XXXX and has memory issues. She mistakenly gave me her old cashapp account name, that she can no longer access because she can't remember the password, so she could not access the money. I immediately contacted cashapp and asked that they simply reverse the transaction, so I could just give my friend the loan money in cash. They refused. I filled out several dispute forms that produced no results. So the money is still sitting there in an account no one can access. It is clear that there is no fraud or strange activity on the account. They still will not refund my money. My friend emailed cashapp and explained she can't recall any of the account details and to refund my money to me. Still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX email and text. I mail a copy to validate the account. There was no response since XXXX XXXX.The only thing they send was the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
My loans with Mohela are a mess they are committing XXXX! XXXX they forced me to consolidate when my account screen which I have screen shots off said they were being forgiven XX/XX/XXXX, then reaged my loans and have not applied my XXXX years of payments since XXXX or time in deferments and other pauses during pandemic! I am XXXX XXXX, state and federal employee! I also selected auto certify and gave access to taxes which I already filed and have no income as I am retired and only receive widows pension and not getting state pension yet, but they did not and keep telling me I have to recertify but when I do it says I dont qualify for the same XXXX payment when my income has not changed and trying to add another $ XXXX onto my loans!!! They have already tripled the original balance since I took the loans out in interest alone and I am almost XXXX old and wont be returning to work! This is XXXX!

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Fraud mortgage I found .. XXXX XXXX XXXX bought a home in XXXX in the XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX .. Unit XXXX plat book XXXX pages XXXX always was a SUBDIVISION NOT A XXXX. My dad took out a mortgage from Wells and Fargo XXXX paid off XXXX then a deed of trust in XXXX paid off on XXXX. Recently Ive found a huge marriage fraud going on involving XXXX and XXXX the XXXX XXXX XXXX XXXX XXXX Making up a whole new mortgage stating the developers didnt loan it was a XXXX and the loan was also purchased money mortgage description of property now XXXX XXXX pg XXXX book XXXX XXXX XXXX XXXX to XXXX I totally illegal.. also steeling a trust. XXXX and XXXX have the original mortgage from XXXX and XXXX also confirmed legal description of property this must be reported and corrected even XXXX XXXX XXXX is in on this signing my father who passed in XX/XX/XXXX forging his signature.

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 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Department of education/Nelnet Account number : XXXX Date opened : XX/XX/year> Amount : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I sent a certified mail to the ally compliance department regarding the payoff amount they provided me being almost {$2000.00} more than what it should be based on the loan term/amount from what Ive already paid based on all the statements from payments and amounts made. Ive heard nothing accept a message on the app to give them a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding an inaccurate account being reported on my credit report by ACIMA DIGITAL FKA SIMP. This account is showing a balance of {$5500.00} and was recently updated on my credit report. However, this account is extremely old ( dating back to approximately XXXX ), and the balance and reporting appear inaccurate. The account also shows a balance updated date of XX/XX/year>, yet it has recently appeared or been re-reported on my credit file, which is misleading and damaging to my credit profile. I have not received proper notice of this debt, validation of the balance, or documentation supporting the amount being reported. I have attempted to contact ACIMA to resolve this matter and request verification, but I have been unable to successfully reach them. This reporting is negatively impacting my credit and financial opportunities. I am requesting that ACIMA : 1. Provide full validation of the alleged debt, including the original agreement, payment history, and how the balance of {$5500.00} was calculated ; or 2. Immediately remove the account from all credit reporting agencies if they can not properly validate it. If this account is beyond the appropriate reporting period or has been re-aged in any way, I request immediate correction or deletion in accordance with the Fair Credit Reporting Act ( FCRA ). I am seeking a prompt investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
Reporting violations Under FCRA Law, the debt was supposedly deleted but the late payment history still remains, why? That's not a deletion, that's deception disguised as a XXXX XXXX!!! You can't remove/delete the debt and leave the late payment history still effecting my credit report & score!!! I've disputed this debt multiple times with no actual resolution, I want my {$1000.00} I'm owed for each credit-reporting violation on this account because they need to realize the XXXX ends now! DELETE THE ENTIRE ACCOUNT & ALL RELATED INFORMATION OFF MY CREDIT REPORT PERMANENTLY!!!

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 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
on XX/XX/XXXX I applied and was able to attain a loan from the company 's website, the issue happened during the hardship that i disclosed to an agent on XX/XX/XXXX due to a lose of employment but I was only informed that I would need some assistance from a friend or the loan would go into default and I would be brought before court civilly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> my wife and I went into a local Chase Bank to open a joint account because we just returned from XXXX. When we told the bank employee we were here to open an account since we just returned from XXXX, the female employee became extremely suspicious and treated my XXXX wife as if she was an illegal alien. She was rude to my wife and the employee asked if my wife had a valid visa. We said yes, and the employee replied " well you must show proof of address '' and I said we have a lease ( which is an accepted form according to the Chase official website ) and she refused to look at our lease. She said she will not accept any leases from us since we just returned from XXXX. We politely asked for a XXXX, and she told us the XXXX was not available, and she was in charge. She then said " sorry but we won't be able to open an account for you ''. My wife and I must have an account to live in XXXX, and the way we were treated was very unfair because I have many friends that opened a bank account using a lease. I informed the employee I would file a consumer complaint, and she told me to go ahead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The car messed up and was no longer drivable and was too expensive to fix. I voluntarily repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
" Call XXXX and choose option XXXX. Please note, if you call from a number that is not on file with Self, you will need to verify your identity prior to receiving the option to cancel your account. ", Except that this phone number does not offer that option. It takes you into a vicious cycle referring you to their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
In XXXX of XXXX I notified the renting company/landlord that I would be breaking the lease and moving out of the property due to XXXX XXXX with a dispute paper from the police, I sent multiple emails and messages through the online portal and to their phone number I was given when we first moved in. Nothing ever came of it and the tenant that was living there with me moved someone else in to take my place and they did not pay the rent for XXXX months. At the time the XXXX missed rent payments were due, I was no longer living in the apartment and this debt has now affected my XXXX XXXX immensely. The police told me that I could XXXX XXXX leave the apartment lease due to the domestic dispute that occurred and with me having a young child. I do not feel as though I should be responsible for the XXXX missed payments If I did notify them of the move out date as well as notifying them of the illegal tenant that was not on the lease moving into the apartment after I had moved out. I would like this removed from my credit as I did everything I knew of correctly to stop this from happening and it still did. We moved in XX/XX/year>, and up until XX/XX/XXXX when I moved out the rent was ALWAYS paid and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There has been some very complex fraud going on on my checking accounts and not just this one. Im probably not done reporting. This is so overwhelming and so much to go through. Total loss from this account only so far : {$2600.00}. I didnt count the fabricated transaction or the amount of the {$30.00} deposit I know went to my daughters XXXX IRA account Ive seen a small transaction from XXXX XXXX XXXX and another financial institution on this account. XXXX have to figure out what the name was. I dont recognize these accounts and never had a relationship with these banks. XX/XX/XXXX it says there was a deposit of {$1100.00}. This is fabricated and did not happen. XXXX not sure about a lot of the XXXX transactions however I know this ones fabricated because I know exactly what happened to that money.. XX/XX/XXXX {$30.00} deposit from XXXX went to my daughters XXXX IRA or was supposed to go to my daughters XXXX IRA account XX/XX/XXXX XXXX {$1600.00} unauthorized and went to XXXX XXXX where XXXX XXXX statement says it went to my parents account from there. May mother stated she didnot have that on their XXXX XXXX statement and I did not have a reason to give it to them. XX/XX/XXXX chase card XXXX slate edge card number at that time XXXX separate transactions as payments {$300.00}, {$380.00}, {$400.00} {$1000.00} total in payments, but only credited my slate edge credit card account {$440.00}. ( this is the same card that had all the fraudulent XXXX charges to top it all off, Im missing a payment ) this is a loss of {$680.00}. XX/XX/XXXX XXXX capital XXXX {$390.00} payment received {$290.00} unauthorized payment to to XXXX XXXX mobile payment. It was deducted from XXXX XXXX bank they listed as a payment for my savor card. The thing i is. I had this set on auto pay from my XXXX XXXX account and wouldnt XXXX myself to pay it from Chase Bank. Plus, my credit report says my balance for my XXXX XXXX XXXX was only {$75.00} reportedly to them. XX/XX/XXXX XXXX {$17.00} unauthorized and payment request listed as canceled. left my account anyway XX/XX/XXXX XXXX {$59.00} unauthorized, and payment request listed is canceled. Left my account anyway. Stay tuned this will take me a while, but Im sure there will be more.

Company response to consumer: Closed with explanation