vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
I'm back in XXXX I created a cash account and filed my tax return online and my tax return was supposed to deposited to my cashback account which it says it was but no longer have access to the email or phone number on the account and I do not remember my cash tag information either in a phone calling cash app they say they can't look up my account without that information also back in XXXX when I had access to the cash app and email I inquired about the situation as well and try to access my account and they said that they couldn't help me I had provided proof to them that my account was being hacked and vice versa and they said that they couldn't help me receive my funds from the IRS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal validity of the charge-off account currently being reported on my consumer credit file. Upon careful review, I have determined that this account is being furnished in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., as the information reported is inaccurate, incomplete, and has not been properly verified. 

Pursuant to FCRA XXXX ( a ) and XXXX ( XXXX XXXX. XXXX ), I am exercising my statutory right to dispute any item of information that is inaccurate, incomplete, or incapable of being fully substantiated. To date, the furnisher has failed to provide competent and admissible documentation validating the alleged debt, including, but not limited to : A signed contract or agreement bearing my signature Documentation establishing lawful ownership or assignment of the debt Evidence demonstrating my authorization, obligation, or liability A complete and accurate itemization of the balance being reported

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
These are not duplicate questions I've not received my money back so I don't understand why it would be duplicate when you resolved my grievances in the first place hahaha is this some kind of joke lol

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was hacked I reported my account was close and my funds where kept I have not heard from anyone from Cash App I feel like they have stole my money and dont reimburse me back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Coinbase, Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am having the worst experience with Coinbase and the XXXX XXXX XXXX credit card. I closed my CoinBase online account on XX/XX/XXXX and figured I would close my coinbase XXXX credit card at a later date as I was busy with my kids. I've been on the phone with a CoinBase agent for an hour and a half. It took XXXX hour to find out if the card was still active and still currently trying to find out WHO at the company can close the credit card and if there's even a balance on it. At XXXX point they ask me if I could make a purchase to see if it's active.... They transferred me to the card department after that then the agent says the last agent was wrong in transferring me so he's transferring back to customer support and the call hangs up. They provided XXXX phone numbers both of which did not work mor could the agents assist closing the account. 

I just want to close the credit card so my credit score does not get affected if there's a balance. I don't receive paper bills or emails from them since the online account was closed. But the credit card remains active and open. Please help me cancel this credit card. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
Credence Resource Management As of XX/XX/XXXX, you owed : {$420.00} Between XX/XX/XXXX and today : You were charged this amount in interest : + {$0.00} Total amount of non-interest charges or fees : + {$39.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$460.00} CREDENCE RESOURCE MA Reported : XXXX XXXX, XXXX {$360.00} Needs Attention CREDENCE RESOURCE MA Reported : XXXX XXXX, XXXX {$490.00} Needs Attention As per XXXX XXXX XXXX XXXX guidelines, Credence is permitted to accept the amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX to close the account as resolved for less than the full balance. Once the payment in the amount of {$250.00} is received and clears, Credence will notify the credit reporting agencies to whom this account has been reported to update your credit report ( XXXX ) as resolved for less than the full balance. We are not obligated to renew this offer. 

For account. 

As per XXXX XXXX XXXX XXXX guidelines, Credence is permitted to accept the amount of {$390.00} on behalf of XXXX XXXX XXXX XXXX to close the account as resolved for less than the full balance. Once the payment in the amount of {$390.00} is received and clears, Credence will notify the credit reporting agencies to whom this account has been reported to update your credit report ( s ) as resolved for less than the full balance. We are not obligated to renew this offer. 


But they didnt state they would ask the bureaus to remove the credit marks should I pay these requested amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year> I applied for a Senior exempt. Property appraisal s office. On XXXX XXXX resent my tax info. On XX/XX/XXXX I was approved. I was informed they sent it to tax collector s office. The tax collectors office sent a letter to Selene finance ( I as well sent them a copy of the official letter ). I have made numerous calls to them, to be shuffled around, with no answer? On XX/XX/XXXX, I made a payment of XXXX they have charged me a {$500.00} increase, because they refuse to apply my Senior exempt!!!! I find this totally unawful and are in Violation it my rights. They still have NOT done anything and are avoiding my emails and calls. Your help in this is extremely important.!!! I would appreciate you calling me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am a XXXX father supporting XXXX children and my mother on a XXXX income. The funds from this loan were used entirely for my mothers XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) abroad. I approached the lender for relief because I was struggling with these medical costs. Instead of offering a sustainable solution, they placed me in a program that silently ballooned my debt. I feel these practices specifically target vulnerable consumers in crisis who do not have the financial literacy to understand complex negative amortization schemes. 

I have a personal loan with this company ( approx. {$11000.00} original balance ) secured by my vehicle. Due to the financial difficulties mentioned above, the lender offered me a " hardship program '' in XXXX, XXXX, and XXXX, allowing me to pay XXXX  % of the monthly installment for XXXX months each year. 

I was led to believe this program would help me stay on track. However, the lender failed to clearly disclose that these reduced payments would result in severe negative amortization. Instead of simply extending the loan by the number of missed payments, they have extended my loan maturity date from XX/XX/XXXX to XXXX ( an additional XXXX years ). 

Despite years of payments, my current outstanding balance shown in the portal is {$9400.00}. Effectively, the " relief '' program was a trap that capitalized unpaid interest, causing the balance to balloon while holding the title to my car as collateral. 

Please note that this lender records their customer service calls. During these recorded conversations, I consistently explained the XXXX reason for my hardship ( XXXX XXXX  costs ). At no point during these calls did the agents verbally explain that the " help '' would negatively amortize the loan to such an extreme degree, nor did they mention a XXXX extension. They omitted material facts while I was in a vulnerable state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account is reported inaccurately, please investigate to remove it and I didn't authorize the creditor to put this account on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Constantly calling regarding a debt I never made. Never used comenity bank. 
Keep changing caller numbers XXXX ( XXXX ) XXXX and then told to call another number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Product : Bank account Issue : Closed account / Funds removed Company : JPMorgan Chase Bank , N.A . 

Chase Bank closed my account following an internal review shortly after SBA loan funds were deposited. As a result of Chases unilateral action, a large debit was applied removing the remaining balance ( over {$20000.00} ), and the funds were never made available to me. 

I did not initiate this debit, and I was not provided with a meaningful opportunity to return or access the funds. Chases action directly caused my SBA loan to be classified as delinquent and later referred to the U.S. Treasury for collection. 

I am currently involved in a federal Treasury dispute and urgently require written documentation from Chase confirming : The date and reason the account was closed That the debit removing the remaining balance was applied by Chase The disposition of the SBA loan funds Chase has refused to provide this documentation and has instructed me to visit a branch, which is unreasonable for a historical account closed years ago. 

I am requesting that Chase issue a formal written explanation of the account closure and debit action so this matter can be properly resolved with the federal agencies involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Hello, I have several Cards with Synchrony. All but one were listed in my Synchrony app. The one missing was XXXX 's. When I received my XXXX 's bill in the mail, I noticed a {$1.00} paper fee charge. I tried to log onto the Synchrony app and since I did not see my account I could not turn on paperless billing. I called Synchrony ( actually started with chat ) and spent over an hour trying to get online access. They could not help me and Synchrony has this history. This month, I called to again say, I want to remove the fee because I still can not find my amount due or any details of my account online ( even though I see XXXX XXXX, XXXX. XXXX, etc. ). At least this time, the nice CSR agent said try to use online instead of the app and she was able to get me access. I immediately turned off paper bill and asked for {$1.00} credit due to the fact I could not go paperless because I can't see how much I owe! 
Although it is only {$1.00}, I wonder how many other people are being treated this way. Nope, only 1x credit and too bad we can't connect your account to the app. 
And {$1.00} seems pretty high for print, paper, and postage!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I have been paying & still being asked to pay on a couch that I no longer have in my possession. I had a very bad experience with the merchant XXXX XXXX  for this couch. They signed me up for a protection plan that I didnt ask for & the couch is poor quality. They did attempt to replace it, but I decided not to accept the replacement because it is made with poor quality. I told the manager that I want to pick out another couch and she told me I couldnt even though I have screenshots of her telling my mother that I could if I didnt want the replacement. I called XXXX  which is the creditor that the merchant used for my purchase & asked them to close the account. The agent at Fortiva did close the account on that call. When I asked about a refund they stated that I will need to ask the merchant for a refund. This is not ideal because the merchant stated that they do not do refunds. This is unacceptable and XXXX  or XXXX XXXX  needs to be held accountable & provide me with all of my payments that have been made. The couch is made by XXXX XXXX & when I called the warranty number provided from the couch itself, a representative told me that my couch isnt covered at all.

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 2026-01-19 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: Block, Inc.
State: CA

Complaint narrative:
they dont answer any questions!! my card refuses to work for pionex.us and they can not answer a single question

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
A false company employed a scam that I fell for. I recognized it within two days and immediately emailed the company AND called them requesting cancellation and full refund. No response. I contacted Bank Of America to dispute the claim. They wanted proof that I tried to cancel, which I provided. They still won't cancel the charge saying that I need proof that there is something on the state website that someone else has filed against this company. This makes no sense. Why should I have to prove that someone else had problems with them? I provided evidence that I tried to cancel it and asked for full refund as Bank of America requested and they STILL are siding with the scam rather than helping a consumer that has been with them for over 5 years!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I sent a personal XXXX XXXX XXXX payment through PayPal. PayPal withdrew the full amount from my bank account, but then held up the transaction and asked for me to verify it by giving them the birthday ( personal information ) of another person, that I mentioned in the attached note. I refused to give them the personal info of a third party The payment has been stuck in Under Review status for over two months. PayPal refuses to release the funds or cancel the transaction. 

The transaction was a simple personal transfer. No goods or services were involved. Despite this, PayPal is demanding private personal information about a third party who is not part of the transaction. Specifically, they are asking for the birthdate of a person mentioned only in the note attached to the payment. This individual is not a PayPal user, not a sender, not a recipient. 
I have repeatedly attempted to resolve this through PayPals Resolution Center, but the case remains stuck in Under Review with no progress and no human response. PayPal will not return the funds to my bank account, will not cancel the payment, and will not provide any explanation for the prolonged hold. 
PayPals actions appear to violate their own stated policies regarding transaction holds, which typically last no more than 2130 days. They are also requesting personal information they have no legal or contractual basis to demand. At this point, PayPal is holding my money indefinitely without justification and without a path to resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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:
On XX/XX/XXXX I was notified via XXXX  app that I had a collections on my account. I was not familiar with said account. I called the company and she could not give me any information other than the debt was owed and I needed to pay it. She stated it was a XXXX installment loan. I advised her that I was logged into my XXXX account and I have a {$0.00} balance with everything. I do not even show an open installment loan in my XXXX account. My last installment was in XXXX and was paid in full. I requested legal ownership paperwork be mailed to me and verified my address for her to send paperwork. I never received any paperwork. 

On XX/XX/XXXX, I mailed a written request for validation of the alleged debt pursuant to the FDCPA ( 15 U.S.C. 1692g ) via certified mail. Jefferson Capital Systems received and signed for the letter on XX/XX/XXXX. 

It has now been more than 30 days since delivery and Jefferson Capital Systems has failed to provide any validation ( no contract, no itemized history, no proof of assignment/ownership ). 

Despite failing to validate, this account continues to be reported inaccurately on my credit report ( and/or collection efforts continue ). This is a violation of the FDCPA and the FCRA. 

My XXXX still does not reflect a monthly installment loan. I have no proof of this debt owed anywhere. Also, it is only reflecting on XXXX credit bureau which is XXXX. It shows a {$0.00} balance on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Company : Exeter Finance Corporation Issue : Auto loan / Repossession State : Georgia Date of Repossession : XX/XX/XXXX ( early morning ) Complaint Description I am filing this complaint regarding the repossession of my vehicle by Exeter Finance Corporation in Georgia on XX/XX/XXXX, early in the morning while my household was asleep. 

On XX/XX/XXXX, Exeter sent me an email titled Reclaim the title to your vehicle and a text message offering to settle my account if I paid 20 % of my remaining balance by XX/XX/XXXX. Both messages explicitly stated that if I paid the 20 % amount by XX/XX/XXXX, Exeter would : Stop collection and repossession activity Settle the account Release the lien on the vehicle Send the title in a timely manner Allow me to take full ownership Exact wording from the email : Pay only 20 % of your remaining balance by XX/XX/XXXX, and we will settle the account, cease collection activity, and release the lien on the vehicle in a timely manner allowing you to take full ownership of the vehicle. We will stop repossession activity on the vehicle once the account is satisfied with this one-time partial payment. 

Exact wording from the text : Pay only 20 % of your remaining Exeter balance to stop collection and repossession activity. Contact us at XXXX by XX/XX/XXXX. 

Based on this offer, I called Exeter on XX/XX/XXXX, to notify them that I would make the payment on XX/XX/XXXX or XXXX. The representative confirmed they would note my account. 

Despite this, Exeter repossessed my vehicle on XX/XX/XXXX, before I had the chance to make the payment and before the deadline of XX/XX/XXXX. 

After the repossession, I called Exeter multiple times between XXXX XXXX and XXXX XXXX. I spoke with three different representatives, received four different payoff amounts, and was told they did not know where the vehicle was located. I requested to speak with a supervisor or the repossession department, but none were available. When I asked for the representatives contact information, the representative refused to provide it. 

Exeter also stated they could auction the vehicle at any time and could not confirm how long I had to redeem the vehicle. 

I understand I was behind on payments, but I was actively working to catch up after hardship and had already been approved for a settlement offer that explicitly promised to stop repossession if I paid 20 % by XX/XX/XXXX.

Company response to consumer: Closed with explanation