vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: IL

Complaint narrative:
I am filing a complaint regarding a collection account being reported by IQ Data XXXX XXXX XXXX related to a former residential lease. 

I contacted the collector in good faith to resolve this matter quickly. However, the representative refused to discuss any reasonable settlement options and demanded near-full payment of the alleged balance ( $ XXXX ), despite the fact that I am not the sole party responsible for the unpaid rent. There were additional occupants who caused the unpaid charges, yet the collector is attempting to hold me solely responsible for the full amount. 

The collector used negative credit reporting as leverage while refusing to engage in reasonable settlement discussions. I believe the amount being reported is inaccurate and overstated, and that the collection practices are unfair and not conducted in good faith. 

I have requested that the account be reviewed by a supervisor and that a reasonable settlement option be provided, but this has not been honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Company Name Block, Inc. ( Cash App ) Product / Service Money transfer / digital wallet Consumer deposit account Issue Trouble accessing funds Account frozen or restricted Unfair or deceptive practices Complaint Narrative ( PASTE BELOW ) I am filing this complaint against Block, Inc. ( Cash App ) for unlawfully restricting my personal Cash App account and withholding my personal funds based on a previously satisfied business-related UCC lien that has been paid in full and terminated. 

Cash App froze or restricted my personal account even though : 1. The alleged debt has been paid in full ; 2. The UCC lien has been terminated/released ; 3. My Cash App account is personal in nature and not connected to my business in any way. 

I provided Cash App with documentation proving payment and lien termination. Despite this, Cash App responded that they will not restore access to my personal funds unless the lienholder contacts Cash App directly and provides a release notice. 

This demand is not required under UCC law, nor is there any legal requirement that a lienholder must contact a third-party financial service provider directly as a condition for releasing consumer funds after a debt is satisfied. A UCC lien does not grant authority to freeze a consumers personal deposit account, especially once the obligation has been fully paid and released. 

Cash Apps continued restriction of my personal funds : Constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ) under 12 U.S.C. 5531 ; Represents unlawful withholding of consumer funds ; Imposes conditions that have no basis in law ; Fails to timely correct records after debt satisfaction ; Causes financial harm by denying access to my own money. 

Cash App is effectively forcing me to rely on a third partys actionover which I have no controlas a precondition to accessing my own personal funds, despite clear proof that no lien or debt remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally complain about a {$100.00} virtual American Express gift card that I received as a gift from my employer. 

Despite multiple attempts, I have been unable to use this virtual gift card in any practical way. I printed the card information and visited several retail locations, all of which informed me that they do not have the ability to manually enter a credit card or gift card number at the point of sale. As a result, the card can not be used for in-store purchases. 

Additionally, I have attempted to use the card for online purchases on multiple websites. In each case, the transaction could not be completed, rendering the card unusable in an online setting as well. 


Please advise on the steps required to resolve this matter promptly. I would appreciate confirmation of receipt of this complaint and a timeline for resolution. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I paid the last payment of {$28.00} but I paid {$30.00} to close the account on XX/XX/XXXX before XXXX. Well it didnt post til XX/XX/XXXX. So they added XXXX to the account. The account was closed in XXXX. But they still been charging late fees and interest. When I called after XX/XX/XXXX the young man said he will wave the fees and close the account. Now these last XXXX  times I have called they telling me I have to pay these fees and it cant be waved. Capital one

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
I am experiencing a significant and unexplained delay with my XXXX XXXX XXXX XXXX ( XXXX  ) Buyback request through the U.S. Department of Education and Federal Student Aid ( FSA ). My request has been pending for over XXXX months with no updates, despite repeated attempts to obtain information. 

I am a federal employee with the XXXX  XXXX XXXX XXXX and have been in qualifying public service since XX/XX/XXXX. I am pursuing XXXX and currently have XXXX out of XXXX qualifying payments. 

In XX/XX/XXXX, I submitted a XXXX  Buyback Request to have previously ineligible repayment periods reviewed and credited. At the time of submission, I was told processing would take approximately XXXX  days. 

It has now been over XXXX months, and my XXXX request has still not been processed. I have contacted Federal Student Aid multiple times, and each time I am told that no timeline or status update is available. I have not received any written communication, confirmation of progress, or explanation for the delay. 

This delay is preventing me from reaching loan forgiveness despite more than a decade of qualifying public service. I am concerned that my request may be stuck, lost, or not being reviewed. 

My attempts to get updates through the Federal Student aid feedback process has been ineffective as you will see from attached screenshot they simply do not respond.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: GA

Complaint narrative:
So on XX/XX/year> a person under the name of XXXX XXXX XXXX has using my ssn information to create a XXXX checking account under my name and been charged overdraft to the account and when I first heard about this I instantly contacted my local law enforcement and him because I told him that is way out of line. I managed to capture screenshots of whats amount being owned and everything so that I can file a dispute with that particular debt collector and get this out of my name because I am a victim of identity, theft you heard.

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 2025-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have been back and forth with each credit agency as well as Capital one for about a year now. Each dispute response came back stall letter even though all proof of my identity and requested information was included. I also included a letter explaining that I will be filing disputes at the beginning of the process and further into it. Capital one just keep sending me back the contract without any further information or granting any removal requests even though the errors and laws that govern the errors were pointed out to them. That's when they told you all that they could not prove my identity with the provided information ( social security card, driver license and proof of residence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding an employment scam that occurred earlier this year and the resulting closure of my bank account. 

In XXXX, I received a job offer from a reputable company, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX After about one week of discussions, I was offered a remote position. As part of the onboarding process, I was instructed to purchase equipment to set up a home office. I was told that I would be reimbursed and was sent two checks to cover the costs. 

Following their instructions, I opened a new checking account at Chase Bank and deposited the two checks. The next day, I noticed that the checks had not cleared. I contacted my local Chase branch immediately and explained the situation. After reviewing the case, the branch manager informed me that I might be a victim of an employment scam. Shortly afterward, my account was closed. 

The bank manager advised me to file a report so the scam could be documented and so my account might be restored. I did file a complaint as instructed. However, a few days later, I was informed that my account would not be reopened. Moreover, I was banned from banking with Chase because the bank believed I attempted to commit fraud, even though I was the victim of the scam. 

The branch manager tried to assist me and acknowledged that I appeared to be a victim, but he stated that the decision was made by upper management and that even he was unable to contact them. I had evidence to support my claim, but I was not given an opportunity to provide or explain it. 

I also contacted the actual company, XXXX, to report the scam. Their HR manager confirmed that they are aware of this issue and that scammers have been using the name of their actual HR manager. They stated they are actively trying to stop this fraud. 

I am requesting that this matter be reviewed fairly, as I acted in good faith at all times and reported the issue as soon as I became aware of it. I respectfully ask that my case be reconsidered and that I not be penalized for being the victim of a documented employment scam. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My wife and I are filing this complaint against Barclays Bank for deceptive practices ( false assurances ). We spent {$60000.00} on XXXX XXXX XXXX using multiple XXXXXXXX XXXX XXXX XXXX believing they all went toward our down payment. When the promotional rate was not applied on our next statements, we called customer service. During a XXXX minute recorded call, their representative explicitly told us he had corrected the accounts on all XXXX XXXX XXXX XXXX XXXX XXXX confirmed the 0 % promotional XXXX for XXXX XXXX XXXX was now applied, and stated we would owe no interest for the full XXXX billing cycles as long as we paid the minimum each month. We relied on that direct verbal assurance and continued making payments exactly as instructed. When the next statements became available, we discovered that the rates were not corrected as promised, and we were charged almost {$1700.00} in interest. We called customer service a couple of times afterward and requested that they waive the interest charges, but they refused. We filed a XXXX  complaint, but they kept refusing to address the issue that we pointed out about the interaction with the customer service representative and refused to share the recording, except that they mentioned that they provided training. Acknowledging that they have since required the agent to undergo additional training is an implicit admission that the information given to us was incorrect and/or the promised fix was never processed. Training after the fact does not erase the financial harm caused by that error, nor does it relieve Barclays of responsibility for the misrepresentation we relied upon. We have since paid off the balance to avoid further interest charges, but we believe that we should be refunded the interest charged.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Dear LVNV FUNDING LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX  I received a call from someone claiming to be from Capio Partners. They stated they were trying to collect a medical debt which I hadn't received any notice about. When I asked for written confirmation of the debt, the lady on the other end refused and tried to bully me into paying a sum in order to settle it. She gave me three different amounts that the debt was supposed to be for, and when I continued to request written confirmation of this debt and proof that it actually belonged to me, the lady on the other end of the call became hostile and tried to continue to bully me into paying her money to settle this debt. I continued to ask for written proof of this debt, which she continued to decline to provide, claiming it had been sent. I said that I hadn't received any such thing from them or any other paperwork she claimed had been sent. The lady working for this company Capio Partners continued to become more hostile as I kept requesting written confirmation of the debt and continued to try and bully me into paying them money and refusing to provide written confirmation of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: OK

Complaint narrative:
I am filing this complaint against XXXX for failure to protect me as a consumer after I provided clear, documented proof, on multiple occasions, that a merchant-approved refund was not fully issued due to the merchants admitted system failure. 

I used XXXX to pay for a vehicle booking through XXXX. Both the host and XXXX approved a full refund. XXXX explicitly admitted in writing that due to internal system limitations, their agent was unable to process the full refund at the time, resulting in only a partial refund being issued. 

I provided XXXX  with documented proof of : Refund approval by both the merchant ( XXXX  ) and the host XXXX written admission that their system prevented issuance of the full refund Evidence that only a partial refund was processed Despite this proof, XXXX refused to correct the issue and determined, incorrectly, that the merchant fulfilled their obligations. This determination directly contradicts the merchants own admission that the refund was incomplete due to internal failure. 

XXXX refusal occurred after multiple attempts on my part to resolve the matter, during which I supplied the same evidence repeatedly. At no point did XXXX dispute the authenticity of the documentation. Instead, XXXX continued to require payment on an order that the merchant approved for refund but failed to complete. 

As a result, XXXX shifted financial liability onto me for a merchants admitted operational failure. This represents a failure of consumer protection, improper dispute handling, and an unfair billing outcome under a Buy Now, Pay Later agreement. 

This is not a case of a denied refund. It is a case of an approved refund that was not fully issued, and XXXX failed to intervene or protect the consumer despite clear proof. 

I am requesting CFPB assistance to require XXXX to : Reassess this dispute based on the documented evidence Remove the remaining balance associated with this transaction Ensure consumers are not held liable for merchant system failures after proof is provided I have attached documentation supporting all statements above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MT

Complaint narrative:
Midland credit management says I owe {$1100.00} to a XXXX XXXX card that is not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 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: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
On XX/XX/year>, SoFi Bank allowed an ACH debit in the amount of {$670.00} from my SoFi checking account for a XXXX credit card payment. I did not authorize XXXX to debit this account, nor was this account intended or designated as a funding source for any XXXX credit card auto-payment. 

I submitted a dispute to SoFi Bank promptly after discovering the transaction. SoFi denied the dispute, stating that they could not find an error, but did not provide any documentation or ACH authorization showing that I consented to this debit. 

This transaction was an unauthorized ACH debit. I did not provide written or electronic authorization for XXXX to debit my SoFi account, and no active autopay agreement exists authorizing this account as a payment source. Under NACHA rules and applicable consumer protection regulations, unauthorized ACH debits must be reversed when no valid authorization exists. 

Despite my request, SoFi Bank has failed to : - Provide proof of ACH authorization - Properly reclassify the dispute as an unauthorized ACH debit - Reverse the unauthorized transaction I am requesting that SoFi Bank : - Reverse the unauthorized ACH debit of {$670.00} - Provide documentation of any alleged authorization if they claim one exists - Review and correct their dispute handling procedures to ensure compliance with ACH and consumer protection rules I am filing this complaint because SoFi Bank has refused to correct an unauthorized withdrawal from my account and has not substantiated their denial with evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I submitted an XXXX XXXX  ( XXXX ) application after the XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX  had replaced XXXX. On the application, I selected the option for the income-driven repayment plan with the lowest monthly payment. I qualified for XXXX, and my calculated monthly payment was {$0.00}. 

Despite this, the servicer placed my loans into the XXXX XXXX XXXX XXXX ( XXXX ) plan instead of XXXX. Because XXXX does not include XXXX  unpaid-interest subsidy, interest accrued on my loans beginning in XX/XX/XXXX. Under XXXX, with a {$0.00} payment, that interest would have been fully subsidized and would not have accrued. 

I contacted the servicer multiple times and requested retroactive correction to XXXX  effective XX/XX/XXXX and removal of the accrued interest. The servicer acknowledged the facts but denied relief, asserting unsupported interpretations of federal policy and stating the interest was accurate under XXXX. I also submitted a complaint through the XXXX XXXX XXXX XXXX XXXX, which was returned to the servicer without independent resolution. 

As of XX/XX/XXXX, interest remains on my account that exists solely because of incorrect plan placement. I am requesting regulatory review and corrective action, including removal of interest caused by servicer error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC is reporting a collection account, account number, for approximately {$600.00}, allegedly originating from an energy service provider. 

I have never been provided documentation showing that LVNV Funding legally owns this debt or has authority to collect it. I requested validation, including proof of assignment, billing statements, and the date of first delinquency.

LVNV Funding has continued reporting this account without providing validation.

I am requesting deletion of this collection account unless proper documentation is produced.

Company response to consumer: Closed with explanation