vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I am filing a complaint against Cash App regarding an unauthorized account takeover and fraudulent withdrawal of funds. On or around XX/XX/2025, my Cash App account was compromised. An unknown individual gained access to my account, removed my phone number and email address, and locked me out. These changes were made without my authorization. Following this account takeover, {$620.00} was removed from my account without my permission. I did not authorize any changes to my account information or any transactions. I acted as soon as I became aware that my account had been compromised. However, because my phone number and email address were changed without my consent, I was unable to access my account. This directly impacted my ability to immediately regain control, and any delay was a result of the unauthorized accessnot negligence on my part. I contacted Cash App support to report the fraud, but my claim was denied, even after escalation to a supervisor. I am formally disputing this decision. This situation represents a failure in account security and verification, as an unauthorized individual was able to change my account credentials and access my funds without proper authorization safeguards. I did not authorize any of these actions or transactions. I am requesting a full investigation into this account takeover, as well as documentation explaining how my account information was changed without proper verification. I am also requesting full reimbursement of the {$620.00} that was fraudulently removed from my account. I have documentation of my communication with Cash App and am prepared to provide any additional information needed, including filing a police report if necessary. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Investigation of Inaccurate Information on My Credit Report Dear XXXX , I am writing to formally request an investigation regarding the inaccurate information reported on my credit report under the Fair Credit Reporting Act ( FCRA ) guidelines, specifically pursuant to 15 U.S.C. 1681i, 1681s-2, and other relevant sections. I believe the following derogatory accounts are incorrectly listed and require immediate attention : 1. MID-ATLANTIC FINANCE - Amount : {$3800.00} - Reported : XX/XX/XXXX - Status : Closed -Sold-Settle Out 2. MID-ATLANTIC FINANCE - Amount : {$4100.00} - Reported : XX/XX/XXXX - Status : Closed -Sold- 15 usc 605 d 3. XXXX XXXX XXXX - Amount : {$1300.00} - Reported : XX/XX/XXXX - Status : Closed /Outdated-Deceptive Practice Under the FCRA, I have the right to dispute inaccurate information in my credit report. Therefore, I request that you conduct a thorough investigation into the validity of these accounts and provide me with the results of your findings. Please also ensure that you notify the relevant creditors of the dispute. In addition, I would like to remind you of the relevant sections governing consumer disputes : - 15 U.S.C. 1681i outlines the requirements for conducting a reasonable investigation upon receipt of a dispute. - 15 U.S.C. 1681s-2 provides guidance on the responsibilities

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I spoke with a person from capital one to close account because of increase of interest fees so i could pay credit card down. I told I couldnt pay the balance if i continue to get the increase interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Subject : Request for Goodwill Adjustment Late Payment Reporting I am submitting this complaint regarding my account with Bank of America. A late payment of approximately {$72.00} was reported on my credit file. While I understand that the payment may have technically been late, this was an unintentional oversight and not reflective of my payment history. I have been living in the United States for over 10 years and have never had a late payment with any financial institution. This isolated incident does not represent my financial responsibility or track record. I was not aware of the missed amount, and as soon as I realized it, I addressed the situation. Despite this, the late payment remains on my credit report, causing a disproportionate negative impact relative to the small balance involved. I respectfully request that Bank of America review this matter and consider a goodwill adjustment to remove the late payment from my credit report. I believe this request is reasonable given my otherwise perfect payment history and the minimal amount involved. I would greatly appreciate your prompt attention and a fair resolution to this matter. MY CASE NUMBER IS XXXX

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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I received a court notice that Jefferson Capital systems, XXXX XXXX XXXX, XXXX, CO XXXX has filed a suite against me with the magistrate court of XXXX county in the amount of {$4300.00}. This suite was filed on XXXX. Case number : XXXX. However, the debt was incurred using my name but it is clear that someone living at a different address opened this account in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: AR

Complaint narrative:
My cash app card was stolen and a fraud charge for {$450.00} at XXXX XXXX I filed a police report, and did a dispute with cash app. They immediately denied the dispute the next day. I ask that this dispute be reopened, and a due process investigation be conducted. I ask that this dispute be governed for constructive fraud caused by this major company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I submitted six ACH payments totaling {$22000.00} to pay off my auto loan with American Credit Acceptance. My online loan portal immediately reflected a XXXX balance. On XX/XX/year>, my bank confirmed that all six payments cleared successfully and were withdrawn from my account. Later that same day, my XXXX loan portal suddenly showed all six payments as reversed, backdated to XX/XX/XXXX, and my account was marked past due. I contacted my bank, and they confirmed that the funds were fully settled, not pending, not returned, and not rejected. They also confirmed that ACH payments typically take up to three business days to post on the receiving institutions side, which would place full settlement no later than XX/XX/year>. I contacted American Credit Acceptance by phone. I was initially told to send a cashiers check because the payments did not go through. After explaining that the payments had cleared and offering to provide documentation, I was placed on hold multiple times. I was then told that XXXX placed an internal hold until XX/XX/year> because the total amount was large and submitted via ACH. This internal hold date does not align with standard ACH settlement timelines or my banks confirmation. On XX/XX/year>, I emailed XXXX with full documentation, including the payment amounts and the bankissued trace IDs for each transaction. I requested written confirmation that the payments were received and would be applied correctly, correction of my account status, and cessation of automated collection messages. XXXX has not responded to my email or provided any explanation. As of today, my loan portal still shows the account as past due and the payments as uncredited, despite the funds having cleared on XX/XX/XXXX. I continue to receive automated collection emails, including reminders about a payment arrangement that I canceled because I paid off the loan in full. I received one such reminder on Friday, and additional collection emails on Sunday, despite having already paid more than {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
This account was established through identity theft and without my authorization. I never opened this account, nor did I consent to my personal information being used to create it. Because this is a fraudulent debt, I am requesting its immediate removal from collections and my credit report. On XX/XX/year>, I contacted the company to dispute these charges and requested physical proof of the identity and signature used to open the account. Despite my formal request for verification, the company has failed to provide any documentation or evidence via mail to support the validity of this debt. No one from the company has provided the necessary information required to prove I am responsible for this account. Their lack of response to my dispute is unacceptable. I am not liable for these charges and expect this matter to be resolved and cleared from my name immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
In XXXX was approved for a loan modification. Made all payments XXXX XXXX and XXXX and was approved for a loan modifcation. Was told my credit report would be current. They are reporting it behind for all those payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
On XX/XX/year> our company conducted the payment in the amount of XXXX XXXX USD from account with XXXX XXXX account of XXXX XXXX XXXX XXXX ) LIMITED opened with XXXX AND XXXX XXXX XXXX XXXX. JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXX, XXXX XXXX was designated under the XXXX XXXX XXXX. Considering this, our payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to OFAC. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to OFAC for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, OFAC may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXX Bank asking them to clarify if the payment was blocked and reported to OFAC and when. Still, JP Morgan Chase Bank has not responded. We only have a response from the Department of the Treasury regarding the properly blocked this transfer pursuant .Thus, I can not apply to OFAC for a license that is necessary to unblock my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
Placing me the borrower into forbearance while pausing my payments, while interest continued to accrue after I complained the school was not accredited the class is not even offered in the state of Ohio anymore nor was my previous credits honored that could of resulted me in graduating. I was deprived of that because of this. I was a struggling student Who is now just struggling through income-driven repayment ( IDR ) plans which should have lowered my bills. XXXX mishandled payment processing and harmed my credit badly, as a single mom of XXXX XXXX girl XXXX boys I could barely get adequate Housing only leading me in to poverty areas where Ive always worked paid my bills been good and working hard to have to stoop low into such deserving areas in housing believing after paying my total loan the first time this school was it. I stuck to it pregnant and all did my part all the way to the finals. Where they broke my heart over greed. Because they kept over charging me and would not service me as said in the contract so I can graduate and honoring my credits yet the loan climbs as the bill just keeps climbing and the harassing calls etc This is not my first loan and Ive paid my loan off before would be my solid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: OH

Complaint narrative:
I received communication from third party collection agency, for a debt I don't owe.

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 2026-03-17 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: U.S. BANCORP
State: NM

Complaint narrative:
On XX/XX/year> there is a charge on my statement for {$150.00} from " XXXX XXXX XXXX '' which I did not recognize the seller or location. I advised US Bank and US Bank later stated the charge was for " telecommunications equipment ''. I did not purchase any equipment and still do not recognize who " XXXX '' is. US Bank stated in writing the charge was valid. Twice I requested proof and was told it would be sent. All US Bank sent was a letter stating the charge was valid and again I have the right to request documentation. This I have done twice with nothing being sent to me. This is case number XXXX

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 monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MD

Complaint narrative:
I am submitting this complaint to document harm caused by the automatic administrative forbearance applied to my federal student loans related to the SAVE repayment plan. I was placed into this forbearance automatically and without my request in XXXX of XXXX. As a borrower working toward Public Service Loan Forgiveness ( PSLF ), this action has resulted in months that do not count toward my required 120 qualifying payments, despite my continued public service employment. This situation has caused a loss of qualifying PSLF months due to an administrative decision outside my control, an inability to make qualifying payments during the period of waiting to determine how loans previously on SAVE would be moved to another plan, and uncertainty regarding my future eligibility and loan forgiveness timeline. I have consistently maintained qualifying employment for PSLF and have made every effort to remain compliant with repayment requirements from the Department of Education. The automatic forbearance imposed under the SAVE plan effectively removed my ability to progress toward loan forgiveness for the affected months. This process with student loans as someone who works in a public service has been a nightmare and completely discourages anyone looking for career paths as a public servant.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
On XX/XX/XXXX, I received a bill for my Bank of America credit card with a balance of {$6500.00} due on XX/XX/XXXX. I scheduled autopayment for the complete balance of {$6500.00}. During that billing period, I signed up for a balance transfer promotion that was supposed to be 0 % apr. Besides that balance transfer ( and the fees associated with it ), there was no other activity on my account. When I looked at my XX/XX/XXXX statement, I was surprised to see an interest charge for balance transfers. When I looked at the Interest Charge Calculation, I saw that only {$1100.00} of my {$6500.00} payment was applied to the higher interest rate. I still had {$5400.00} at the higher interest rate and was charged {$68.00}. The remaining amount went to the 0 % promotional interest rate and fees. Once again, my balance due was {$6500.00} and I paid {$6500.00} on time. When I called customer service, they told me there was nothing they could do. When I said bluntly that the law ( CARD act of XXXX ) and their policy is to apply payment above the minimum amount to the highest APR, they said there was nothing they could do. I asked to speak to a supervisor, and I am actually still on hold ( over an hour ). I am filing this complaint while on hold at the moment.

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 monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I have tried disputing this " debt '' in the past with no information ever provided to me. Not only do I not even know what this is, but it is also completely wrong on all XXXX credit reports. For example, on XXXX the date of collection is XXXX of XXXX. On XXXX the date of collection is XXXX of XXXX. On XXXX it shows absolutely no data. I can provide all XXXX of my credit reports as well if needed to prove the inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Servicer under contract with Federal Student Aid
State: WA

Complaint narrative:
My federal student loan has been paid in full, but it continues to be reported as in default by Federal Student Aid. This inaccurate reporting is negatively affecting my financial standing. I am requesting immediate correction of the loan status and notification to credit bureaus.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.

Company response to consumer: Closed with non-monetary relief