vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I spent {$66.00} at XXXX XXXXXXXX XXXX XXXX. The bill was paid in full XXXX XX/XX/year>, Cash App changed an already paid purchase to " XXXX '', without my knowledge or no explanation. 
On XX/XX/year>, {$23.00} was taken from my Cash App card balance reflecting XXXX XXXXXXXX XXXX XXXXXXXX. It was this transaction that alerted me to follow up with the merchant, thinking someone charged my card. The next day, XX/XX/year>, the Manager informed me that the charge did not come from the restaurant and to follow up with the card holder. 
On or about XX/XX/XXXX or the XXXX, XXXX, I made my first two attempts to contact " Cash App Customer Service '' via through the app. 
On or about XX/XX/XXXX - XXXX, XXXX, ( not certain of the date ), I attempted to dispute the " XXXX '' charge through the app. Sometime before XXXX, I was notified that the dispute was denied and the charge was justifiable. However, in an effort to not be charged a second time, I was able to " Skip '' the automatic schedule payment for XX/XX/year>. 
On or about XX/XX/XXXX - XXXX, I made several attempts of contacting all the numbers that I could get from XXXX to speak to a live person regarding the issue. After 4 hours of waiting and speaking to 5 different people, to were suppose to be Customer Service Reps and 3 were suppose to be Escalation Team Members, the final outcome from the phone calls was use the " Support '' feature and " Dispute '' the transaction ( s ). Each time I explained that I did that, I was transferred again..... thus the RUN AROUND. 
Now the account shows that I will be charged a fees for being late and is basically waiting for me to pay it which is the problem. I initially paid for the food on XX/XX/year> and is being penalized for a double payment. Also, I did not sign up or requestde any " XXXX XXXX  '' feature and honestly did not know anything about XXXX XXXX XXXX XXXX 

Cash App has no vehicle that customers can use to resolve issues that may not be in the " normal '' card problems that they are accustomed to. It is not fair that I am being charged late fees, in addition to being charged twice for something that I already paid for and is requesting your help to have this issue resolved. 

I feel that I am not the only person that this is happening to and I would like to know that Cash App is held accountable for taking advantage of their customers. In addition, the Cash App account information for this issue is : XXXX XXXX XXXX XXXX ( XXXX ) XXXX - Currently phone recently died.... have yet to get a new one but is keeping the number. 

Thank you for your time. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I deposited a check into my Chase Savings account in person at a Chase branch in XXXX, KY. I have banked with Chase over 15 years on and even though deposit was in person, and made on XX/XX/year> and as of today XX/XX/year> not a XXXX has been made available. 

I have reached out to Chase fraud department and branch asked for specific reasons for hold and why not even partial funds have been made available. They do not provide any reasonable reason or even try to explain what reasons they are going against not only the information on their website FAQ regarding deposit holds but also federal regulations. They also refuse to receive information from me for issuing bank and contact to verify funds nor will they actually call to verify funds. Which I have verified are available with issuing bank XXXX XXXX  XXXX XXXX XXXX. 

Ironically, on Friday afternoon XX/XX/year> Chase did call me to solicit investment opportunities for the funds. Disgusting behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I received a letter from National Credit Systems, about a debt I owed, the letter said i can dispute and they will provide supporting documents on why I still owed the money. I submitted my lease addendum where I ended the lease agreement in XXXX, when the debt gathered was in XXXX, the lease agreement on their website is not even my name it is under another person named XXXX. They still didn't care, I have sent an email to their documentation email, with the original leasing company which also verified I left the lease agreement in XXXX but the National Credit System still has ignored these facts and labeled my credit as derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
XX/XX/scrub>XXXX {$5600.00} I recently reviewed a copy of credit report and was shocked to find out I had been a victim of identity theft. I do not recognize this account and would like it removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I opened a XXXX XXXX credit card with capital one on XX/XX/XXXX for an upcoming trip at the end of the month. A week before I was to leave I realized I never received the card, so I called to get a replacement. They told me they only expedite replacement cards, and I insisted that they expedite. The identity verification process took a whole day and by the time the replacement card was reissued I would be away on my trip. Its now XX/XX/XXXX and I have not received any card from capital one. I actually just got a promo letter saying Im pre approved, but never received any card Ive actually applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: MN

Complaint narrative:
Company Name : AES XXXX PHEAA ( American Education Services, Pennsylvania Higher Education Assistance Agency ) Type of Loan : Private Student LoanConsumer Location : XXXX Location : Pennsylvania Complaint Narrative : I am submitting this complaint regarding AES / PHEAA ( Pennsylvania Higher Education Assistance Agency ) for fraudulent and deceptive servicing practices, failure to provide required loan documentation, and improper interest assessment on a private student loan. 
The original principal balance of my loan was {$12000.00}. To date, I have paid a total of {$41000.00}, including {$29000.00} in interest alone. This amount is grossly disproportionate to the original loan and raises serious concerns regarding improper interest accrual, capitalization, and payment application. 
Despite repeated requests, AES/PHEAA has refused to provide a complete and transparent accounting of my loan, including : A full payment history from origination to present Interest rate calculations and changes Capitalization events Application of payments between principal and interest Without this documentation, I can not verify the legitimacy or accuracy of the balance AES/PHEAA claims is owed XXXX 
Additionally, during the XXXX pandemic, AES/PHEAA failed to offer meaningful assistance, hardship options, or servicing support. I was not provided clear guidance regarding forbearance, relief options, or alternative repayment assistance, resulting in additional financial harm.

AES/PHEAAs actions have caused substantial financial injury and constitute potential violations of consumer protection laws prohibiting unfair, deceptive, or abusive acts or practices, as well as improper private student loan servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRSTBANK
State: CO

Complaint narrative:
XXXX sports books being played like world wrestling entertainment or last time baseball as to front and take money from minorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: GA

Complaint narrative:
This account was charged off and on my credit after agreement was still pending at the time. Now, my credit has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am formally disputing fraudulent charges on my credit card account that resulted from identity theft and unauthorized use. I did not authorize, participate in, or benefit from these transactions. I was in possession of my physical card at all times and did not provide my card, PIN, or online credentials to any person or merchant. 

I filed an Identity Theft Report with the Federal Trade Commission ( IdentityTheft.gov ), which documents that these charges constitute fraud under federal law. Despite notifying the card issuer promptly, the charges have not been fully resolved or permanently removed. They removed them, but later reapplied these fraudulent charges Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Truth in Lending Act, I am not liable for unauthorized transactions. The continued failure to reverse these charges, remove related fees and interest, and correct my account violates federal consumer protection law.The amount is for XXXX  charges XXXX. I have only used my card to purchase a XXXX. I was told these charges are for a gaming app called XXXX. PLEASE investigate and remove. I have closed my account after the removed the charges and later found out that they were reapplied. I noticed these charges I believe in XXXX or XXXX XXXXXX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: PNC Bank N.A.
State: MD

Complaint narrative:
On Monday, XX/XX/year>, I noticed 2 fraudulent charges on my account ; XXXX XXXX XXXX {$1500.00} XXXX bill payment {$130.00} I immediately Locked my card on my mobile app and got a new card at my local PNC branch. I called PNC customer service and reported these two charges as fraud. I was informed that the charges are pending and I could not dispute them until they post to the account. I called on XX/XX/XXXX and still not posted. Called again on XX/XX/XXXX and was able to report the charges as fraud. 
At the time of these fraudulent charges, I had a balance of {$630.00} that was applied to the fraud charges and still put my account in a negative balance. I requested that this amount of {$630.00} be returned to my account while the fraud was investigated and I was denied because I had plenty of money in other accounts. I have delt with fraud in the past and have ALWAYS had my funds released as a provisional credit until investigations were complete. 
On Friday, XX/XX/XXXX, I had a direct deposit of {$750.00} applied toward the fraud charges. I spoke with customer service who transferred me to the fraud dept who transferred me to the XXXX team. I requested to all departments that my legitimate funds be returned to me as I had several bills due on that day. Again I was denied because I had other funds available. I do have multiple accounts at PNC but each account is jointly held with other people and bills are paid separately out of these accounts. 
It was unprofessional and ignorant of these employees to determine how I should use my funds. I did everything correctly in my response to this fraud incident. My legitimate funds should have immediately been returned to my account so I could resume my financial responsibilities. 
As of today, I am missing {$1300.00} of my funds that are hung up in these fraud charges. I was told multiple times that it could take up too 90 days before my funds would be available. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Central Research Inc
State: FL

Complaint narrative:
A letter was sent to loan servicer CRI on XX/XX/XXXX requesting removal of late remarks for XX/XX/year> student loan accounts. I was not given a validation notice or any other notice of payments due from the servicer. Only when my credit score began to plummet, did I become aware of the payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Experians failure to conduct a reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA XXXX ). 

Experian is reporting a medical emergency room account originating from Pennsylvania. This account does not belong to me. I have never received medical treatment from this provider, have never been treated in Pennsylvania, and have never been physically present in that state. 

I disputed this account directly with Experian as not mine. Experian denied the dispute without providing any documentation establishing that I am the patient responsible for this medical service. 

Due to XXXX restrictions, medical providers can not disclose detailed records to credit bureaus, and Experian has not demonstrated how it verified patient identity, consent, or financial responsibility. Reporting a medical account without proper identity verification is inaccurate and misleading. 

XXXX continued reporting of this account constitutes inaccurate credit reporting and raises concerns of medical identity theft. 

I am requesting immediate deletion of this medical account and written confirmation that Experian has ceased reporting this inaccurate information.

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 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I paid XXXX dollars to. TD. credit at. XXXX XXXX though XXXX XXXX  account. TD. bank But the credit card return the money. {$7900.00} at. XXXX XXXX  The credit card company claim that the company can not locate the XXXX market account, seems the bank know how to charge fee, but can not locate account number in. one bank After I paid XXXX dollars to my account, the balance is negative The credit card company return my payment and start charge interest in my account When I made the payment, the payment choice, Checking or. Money market account the credit card. ending XXXX Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TIDEWATER FINANCE COMPANY, INC.
State: IL

Complaint narrative:
TIDEWATER MOTOR CREDIT. XXXX To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). 
You are hereby directed to cease and desist all communication with me regarding the above-referenced account, or any alleged debt associated with my name, immediately. This includes, but is not limited to, phone calls, text messages, emails, letters, and communication through third parties. 
I do not acknowledge, admit, or assume responsibility for any alleged debt referenced by your company. This request is not a refusal to pay, nor is it an admission of liability. It is a lawful demand that all collection communication stop. 
You may only contact me again for one of the following reasons, as permitted by law : To confirm that you will comply with this request and cease all communication, or To notify me of a specific legal action you actually intend to take.

Any communication beyond what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a willful violation of federal law and may result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, as well as civil liability. 
Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: SC

Complaint narrative:
I never used cash app for one single transaction. I may have set up an account years ago and their customer service is reluctant to help. They do not have a manager or a supervisor on duty to escalate anything. This is fraudulent and I want the account closed if there is even an account. It all started with emails from them, so they had my email address. I just simply want my account closed and they are reluctant to do it. They want me to reinstall their app to call them and play games with them over trying to close my account staying on the phone for hours at a time and I'm not going to do it. Please help before fraud occurs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Company closed 2 of my accounts. When asked why, they advised going against terms & conditions. I proceeded to ask for specific instances or transactions going against the XXXX & XXXX and they were not able to do so. I do believe that these accounts were closed in retaliation of me participating in a settlement,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to thees accounts and urgently request their immediate removal to prevent any further harm to my financial well being. I sent letters to the credit company and credit bureau but they refused to remove the fraudulent account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX and XXXX of 2026, I logged into my PayPal account and followed the directions to close my account. Paypal would not close the account and referred me back to the instructions I had already followed. 

PayPal is refusing to close my account due to unaccepted funds of {$24.00}. 
I explicitly requested that PayPal return the funds to the sender or manually clear them. 
PayPal acknowledged that this is required but refused to take action and provided no resolution path. 
There are no disputes, subscriptions, limitations, or balances. 
PayPal is preventing account closure despite my formal request.

Company response to consumer: Closed with non-monetary relief