vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 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:
Complaint Against : Columbia Debt Recovery Account Number : XXXX Amount : {$300.00} I am filing this complaint regarding an inaccurate collection account being reported by Columbia Debt Recovery. This account does not belong to me. I have never lived at, visited, applied for, or conducted any business with XXXX XXXX XXXX XXXX XXXX. I have no connection to this property whatsoever. Despite this, Columbia Debt Recovery continues to report this account as a valid debt. This is false and constitutes inaccurate credit reporting. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ), all information furnished to consumer reporting agencies must be accurate and verifiable. Reporting information that is incorrect or can not be substantiated is a violation of federal law. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX ), debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. The continued reporting of this account is causing harm to my credit standing, financial opportunities, and overall reputation. I am requesting the following : - Immediate deletion of this account from all credit reporting agencies - A full investigation into how this inaccurate information was reported - Written confirmation once this account has been removed Please note that failure to correct this matter may result in further action, including filing complaints with additional regulatory agencies and pursuing my rights for damages under applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a text from Wells Fargo asking if I had made a large purchase out of state and to press Y for yes and N for No. I pressed N for No. I received a text back saying " < # # > Thank you for your confirmation, order will be disputed also with a call from our local team representative to expedite you out a new card from our department. They then called me from this number : XXXX to verify my name and phone number and a code they had texted me. They then texted me from a different number XXXX requesting a {$4000.00} transfer to apple cash. I said it sounded fishy and asked to call them back since I was at work. They gave me the name XXXX XXXX badge XXXX. I called Wells Fargo and the confirmed it was a scam, however, this person had somehow accessed my account and tranferred the money. I filed a claim and Wells Fargo is denying it. I never received any notification from Wells Fargo about this large transfer which I was supposed to have received from them as part of their fraud prevention.

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 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding the reporting of a XXXX and XXXXday delinquency on my student loan account for Sallie Mae in 2023 . In 2023, I enrolled in what I understood to be an interest-only or deferment-type program with Sallie Mae. At the time, I was under the clear impression that full payments were not required, and that my account was in a status that would prevent delinquency. However, I later discovered that my account had been reported as XX/XX/XXXX days past due during this period. At no point was it made clear to me that payments were still required in order to keep the account current. Had this been properly communicated, I would have made the necessary payments to avoid any negative reporting. This situation appears to be the result of either miscommunication or a lack of clear disclosure regarding the terms and requirements of the program I was placed in. As a result, I was placed into a delinquent status without a fair opportunity to remain in good standing. Since that time, I have taken full responsibility for the account and have made efforts to maintain it in good standing. Due to these delinquencies, it has vastly affected my ability to get a mortgage, credit, ect. Given the circumstances, I am requesting that Sallie Mae conduct a thorough review of this matter and consider the removal or correction of the reported late payments, as they were the result of unclear or misleading information regarding my repayment obligations at the time. I believe this request is reasonable based on the circumstances and the lack of proper communication surrounding the account status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding an auto loan that I believe may have resulted from high-pressure and potentially unfair sales practices tied to a prior incident involving the dealership. My wife, who is an XXXX XXXXXXXX XXXX XXXX, was involved in a car accident with the XXXX XXXX of a dealership identified as XXXX XXXX XXXX. The vehicle that struck her was a truck associated with the dealership. At the time of the incident, the XXXX XXXX stated that he did not want the accident reported through insurance, indicating that doing so could negatively affect the dealerships insurance. Following the accident, instead of the matter being handled through a standard insurance process, the dealership offered to repair the vehicle and provide a rental. However, the rental vehicle would only be provided if we traveled approximately XXXX hours to the dealership, and no alternative arrangements were offered. This made the situation difficult to manage and left us in a vulnerable position. Subsequently, we were directed toward purchasing another vehicle from the same dealership. Due to my wifes credit at the time, the loan was placed in my name. The loan carries an interest rate of approximately 30 %, with a monthly payment exceeding {$800.00}. Given the circumstances surrounding the accident and the handling of the situation, we feel that we were placed under pressure and not given a fair or clear opportunity to fully evaluate our options. We are concerned that the loan terms, including the extremely high interest rate and long-term financial impact, were not adequately explained. We are requesting that this situation be reviewed for : High-pressure or coercive sales practices Potential conflicts of interest related to the accident and subsequent vehicle sale Lack of clear disclosure regarding loan terms and costs Additionally, we have concerns regarding payment reporting on this loan. Despite making regular monthly payments, we have noticed that these payments are not being properly reported. This is negatively impacting our credit profile and our ability to refinance into a more affordable loan. We are requesting that all payment history be accurately reported and corrected as needed. We also ask that any errors in reporting be investigated and resolved promptly. We would appreciate any assistance in reviewing this matter and determining whether any relief, modification, or corrective action may be appropriate. Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CA

Complaint narrative:
The Moore Law Group, acting as a debt collector for XXXX XXXX XXXX, sent me a collection letter dated XX/XX/year> demanding payment of {$17000.00} on an alleged XXXX XXXX account. They identified their XXXX license number as XXXX. I have not received adequate validation of this debt. I dispute the validity of this debt in its entirety and am demanding full validation including the original signed agreement, complete itemized account history, chain of title documentation from XXXX XXXX to XXXX XXXX, and proof of the collector 's authority to collect. I am concerned that collection activity is continuing without proper validation being provided as required under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash app account got hacked. They changed my address, my number and my email my cash tag they sent {$2500.00} to a random account how I found this out was I was going to the store. I had some spending money on there but also my rent money my card got declined. I went to the app and said account no longer exist so I called Cash app. They helped me recover my account and then said that all my money was gone and that I had sent it to this random account. Which why would I send my rent money to them? Im a single mom of XXXX. I would never do that and why would I change all my information they will not give you my money back, even though my account was hacked they said since I had the device that my account was logged into I made a police report an hour after this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Central XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Cease and Desist Communication Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), to demand that you immediately cease and desist from all communication with me regarding any alleged debt. Under federal law, once a consumer notifies a debt collector in writing that they wish communications to cease, the debt collector must stop contacting the consumer except to : 1. Advise that further collection efforts are being terminated ; 2. Notify the consumer that certain specific remedies may be invoked ; or 3. Notify the consumer that the debt collector intends to invoke a specific remedy. You are hereby instructed to immediately stop all forms of communication with me, including but not limited to phone calls, text messages, emails, mailed correspondence, or contact through third parties. Any further communication outside of what is permitted under 15 U.S.C. 1692c ( c ) will be documented as a violation of federal law. Continued violations may result in complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. This letter is not an acknowledgment of any debt nor a refusal to pay. It is simply a formal demand that you cease communication as provided by federal law. Please confirm in writing that you have received this notice and that you will comply with the requirements of the Fair Debt Collection Practices Act. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a complaint regarding the improper handling of my credit card dispute by Capital One. I disputed a charge from XXXX XXXX XXXX XXXX XX/XX/year> in the amount of {$550.00}. Capital One initially credited my account and requested additional documentation, providing a deadline of XX/XX/year>. I fully complied with this request and submitted all required documentation multiple times, including : - A detailed written explanation of the dispute - Supporting documentation from the merchant - Evidence related to the charge - A signed statement addressing the requested points - Documentation sent via fax, for which I have confirmation of successful delivery Despite submitting all requested materials before the stated deadline, I received a notice that my case was being closed due to missing information. This is inaccurate, as I have clear proof that the documentation was submitted in full and on time. Additionally, I have obtained and am prepared to submit further evidence demonstrating that the damage being charged by the merchant was pre-existing at the time of vehicle pickup. This evidence was not properly considered during the review process. It appears that my submitted documentation was either not properly reviewed or not correctly associated with my case, resulting in an unfair closure of my dispute. I am requesting the following : 1. Reopening of my dispute case 2. A full and proper review of all submitted documentation, including faxed materials 3. Consideration of additional evidence showing the charge is invalid 4. Correction of the handling of my case, as the closure was based on incorrect assumptions regarding missing information I have acted in good faith throughout this process and complied with all requests. I am seeking a fair review based on the complete set of evidence. Thank you. Due to file size limitations, the full video evidence showing pre-existing damage at the time of pickup is available at the following link : XXXX XXXX XXXXXXXX? usp=drivesdk The video includes original timestamp data. A screenshot is also attached for quick reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a collection inquiry reported by Kimball Trey & St. John LLP related to a former tenancy w/ XXXX XXXX XXXX XXXX in XXXX, CA. This alleged debt appeared on my credit report approx 2 years after I vacated XXXX XXXX. I never received any mail notice of this balance, nor did I receive a validation notice from the collection agency prior to it being reported. The landlord confirmed in writing via email that the unit was re-rented XX/XX/XXXX. I made money order payments under a negotiation, which I paid until XX/XX/XXXX. I attempted to communicate XX/XX/XXXX payment due to a payroll issue ; the landlord refused payment did not attempt to negotiate further. I never received a final itemized statement or security deposit accounting within 21 days of vacation, as required under California Civil code 1950.5 I never received a written notice that the account was being assigned or sold to collections. They NEVER sent us to court or sued. I updated my address ; no notice was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IA

Complaint narrative:
My saving account was emptied out completely, I have a chime saving account that was completely empty out on XX/XX/XXXX, XXXX. I talk to chime customer service and they didnt help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
Rocket Mortgage just purchased my loan from XXXX XXXX. With XXXX XXXX, I was making partial payments toward my loan every month. Due to the high increase of my monthly payment XXXX XXXX allowed multiple partial payments as long as it was paid before the late day. They even had a system to where if the partial payment accidentally got processed the wrong way for example, as like principal, you could go in, and you could manually change it back to a partial payment. Rocket Mortgage claimed that everything would stay the same. And they have an option to make partial payments on their website an app. I tested it with {$30.00} to make sure that it was going to go toward a partial payment. It did originally go as a partial payment but then a few days later they applied it as principal I kinda had a feeling it was going to happen. Thats why I only did it with a small amount. I have reached out multiple times trying to get an answer on why this happened if we can reverse it if partial payments are even allowed just more information going forward since they are now handling my loan. I contacted them for the first time on XX/XX/XXXX. On XX/XX/XXXX, I got back a response that seemed to be automated just saying thanks for reaching out. Well be with you shortly or whenever we can. Never heard anything so then I reached back out on XX/XX/XXXX and was clarifying that I never heard anything and I would like to speak to someone and on XX/XX/XXXX I got a message saying thank you for following up, our team is actively working on your request will get back to you as soon as we can and that is the last time I have heard anything no one has contacted me. No one has tried to call me or email me back. Not very good first impressions with this loan company. They just bought my loan so they should be happy to help because we are new customers, but instead they are nearly impossible to get in touch with. Very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint regarding Cash Apps denial of reimbursement for {$3400.00}. On XX/XX/XXXX, I was the victim of a scam in which scammers tricked me into sending funds through Cash App to their linked bank account. Shortly after realizing the fraud, I contacted Cash App and asked them to stop the transaction. Cash App had XXXX full days to stop or reverse the transfer before the funds were fully withdrawn, but they failed to do so. Later, Cash App representatives informed me that they could have stopped the transaction during that window, which is why I believe Cash App is responsible for the loss. I sent a formal written dispute letter, which Cash App received on XX/XX/XXXX via certified mail. Cash App opened an investigation under Case XXXX XXXXXXXX, but ultimately denied my claim, stating that the funds were dispensed properly. I requested the documents used in their investigation, which Cash App provided. They then stated that no further action will be taken. I dispute this conclusion and believe Cash App failed to properly apply the Electronic Fund Transfer Act ( Regulation XXXX ) and failed to conduct a reasonable investigation into this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: CA

Complaint narrative:
I am filing a complaint against Sezzle for processing unauthorized charges after I revoked authorization. Over XXXX transactions, initiated today, XX/XX/XXXX. On XX/XX/XXXX, I contacted Sezzle support and explicitly requested that my payment methods be removed and that all authorizations be revoked. I clearly stated that I wanted to revoke authorization. I also attempted to remove my payment methods myself but was unable to do so due to limitations on their platform. Despite this, Sezzle later processed a charge on my account without my authorization. I contacted Sezzle regarding this issue, and they have refused to issue a refund. They are claiming that my revocation was not valid because I did not confirm or acknowledge disclosures. However, revocation of authorization does not require confirmation or agreement to disclosures to be valid. Once I withdrew permission, they no longer had authorization to debit my account. These charges are unauthorized, and I will also initiate a dispute with my financial institution. I am requesting that Sezzle : 1. Issue a full refund for the unauthorized charge 2. Confirm removal of all payment methods from my account 3. Cease any further attempts to charge my account I believe Sezzles actions violate consumer protection laws regarding unauthorized electronic fund transfers. I have documentation of my revocation request and communications with Sezzle and can provide it upon request. I was also prevented from removing my payment methods, which contributed to the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I applied for One Main loan in order to pay upfront for roofing work. My installments were XXXX monthly and there was not a specific dollar amount of a loan I took out. The agreement was that I would make these payments until the total cost of the loan for the roof was paid in full by the XXXX XXXX XXXX company. The term of the loan was be paid off in XXXX months which was paid off early. My insurance claim directly paid One Main Financial in full which was {$15000.00} on XX/XX/XXXX. I went to One Main in person to speak with someone so I can be reimbursed for overpayment of the loan. I was treated like scum of the earth by their office staff, yelled at and told that I was not owed anything and couldnt talk to the person that I originated the loan with. I received the same treatment from the supervisors when calling also. Since the loan had been paid in full, One Main has continued to deduct the same installments from my person checking account XXXX additional times and has not returned the title to my car. I think because I am an older woman, they are engaging in financial abuse and racial discrimination against me. They also sent me a statement on XX/XX/XXXX indicating that my One Main balance is {$0.00}. I also put a stop payment on my account to stop deductions and they have bypassed this request and are stealing additional payments from my checking account as of XX/XX/XXXX.

Company response to consumer: Closed with explanation