vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems is reporting a {$1500.00} collection account allegedly originating from XXXX. I formally disputed the debt and requested full validation under the Fair Debt Collection Practices Act. Specifically, I requested a copy of the original signed agreement, complete chain of assignment from XXXX, itemized accounting of the balance, date of first delinquency, and proof of authority to collect. 
XX/XX/XXXX ( XXXX ) XX/XX/XXXX None Despite my dispute, the account continues to be reported to consumer reporting agencies. To date, I have not received competent documentary evidence establishing that I have a legal obligation to pay Jefferson Capital or that the amount reported is accurate. 
Reporting a disputed debt without providing proper validation raises concerns regarding compliance with federal consumer protection laws, including the FDCPA and the Fair Credit Reporting Act. I am requesting regulatory review to ensure the account is either properly substantiated or removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
My debit card was stolen and used without my knowledge or consent on XX/XX/year>. I reported the fraud promptly and provided a police report documenting the theft. Despite this, my claim was denied. 

The transactions in question are clearly fraudulent. My card was charged XXXX times incrementally within less than XXXXXX/XX/XXXX. Starting with {$50.00}, then {$150.00}, then {$250.00}, then {$500.00}. The first {$400.00} was approved but the {$500.00} transaction was flagged suspicious. I replied no when NFCU asked was it me. With attempts occurring after that for {$250.00}, then {$100.00}, then {$20.00}. That spending pattern is not consistent with my normal behavior and does not reflect how a reasonable person would use their own debit card. There is no logical explanation for why I would make multiple rapid, increasing then decreasing charges back to back in such a short time frame with the same vendor. 

The same pattern was also attempted with the same vendor, minutes after it was done with my NFCU card, on XXXX of my other stolen debit cards. 

The denial is improper given the obvious indicators of fraud, the police report submitted, and the transaction pattern itself.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IA

Complaint narrative:
Cash app will not release funds that are pending. And the merchant released it the same day. I also provide them with proof and the amount pending. They gave me XXXX and left the remaining balance pending. This is crazy I received by shipping package on the XXXX of XX/XX/scrub> 2026 for {$8.00} dollars. This is crazy. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A FCRA violation occurs when the Fair Credit Reporting Act is not honored and inaccurate information is reported, something that should never happen. Unfortunately, I have been directly harmed by these violations. The continued reporting of incorrect information has caused unnecessary stress, financial setbacks and emotional distress. I have done everything within my power to move forward, yet these errors continue to hold me back. The accounts outlined in my attached letter are not accurate and their presence on my credit report has caused real and lasting damage. I am requesting resolution through the deletion of these accounts so I can finally begin to recover from the harm that has been done. I respectfully but firmly, request their immediate removal.

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
Coinbase customer service call me and take fund from my account the amount is XXXX when I know it's fake I take help from coinbase customer service they want me to provide proof I do whatever they said then I receive email from them sport team said XXXX I eligible to compensatory payment then after 15 days they said you are not eligible when I asked the reason they said we are not disclose this because of security reasons

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: IL

Complaint narrative:
Back in XXXX of XXXX and XXXX of XXXX I opened a complaint in concern for me opening a new account due to my old account being hacked and comprimised after my phone was stolen, I have been told by a Cashapp representative that an investigation is going on as to why I have not been able to start a new account after being hacked! Ive waited months and no one has given good reason. Even an employee from Cashapp has confirmed something isn't right. Furthermore I've expressed how this has affected my day to day convenience with family and friends that need and needed my assistance on this platform.Since the account was hacked I have not recieved my balance that was left in the comprised account of {$280.00}. I also have not recieved a response of my complaint informing Cashapp of the theft that happend with my phone at the time they claimed I violated their policy even without disclosing what happend. At this time I feel discriminated against due to lack of communication and the recent dismissive attitude XXXX XXXX XXXX customer service advocate from cashapp has presented me today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My credit card was used fraudulently. Ive asked for any information about vendor XXXX  any information they used XXXX  find me responsible for this charge. I sent them a copy from the other bank that let the charge go through that found the charge fraudulent. Also made them aware of XXXX more cards that were tried at the same vendor at the same time for the same amount charged that the cards declined. In total all XXXX of the cards I carry daily were compromised. Ive been in contact with all XXXX banks since the date of charge. Citi is the only XXXX  who claims there is no way this card could have been copied or scanned or whatever it is that criminals do XXXX  rob credit card info. Citi bank has givin me no information on the vendor. I told them that under the fair credit act they had XXXX  give me this information XXXX  they keep sending the same responses. The cards declined was used in person so it had XXXX be me. Therefore I have been committing federal XXXX  state XXXX  by falsifying police reports and fraud accusations. I did not make these charges nor did I give anyone permission XXXX  use my card. I dont know how it happened but it happened. Citi bank sent me a fraud alert the morning of the charge. I told them I did not recognize the charge XXXX  they still let it go through XXXX  now they are leaving me with the bill

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 2026-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PLANET HOME LENDING, LLC
State: IL

Complaint narrative:
I have been trying XXXX  do a modification for a year. No XXXX  knows what they are doing I call daily. I asked XXXX  add a escrow XXXX  months ago XXXX  they failed XXXX  add now denied my modification for no escrow

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/year> I asked for proof they are authorized XXXX  collect on behalf of XXXX or that this was XXXX, i asked for the company name, address XXXX  license number. I asked for written verification of the debt. I never received any thing from XXXX or transunion.

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 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
I took out a loan had XXXX  stop paying the loan the loan is at least XXXX years old know XXXX receiving letters from an attorney trying XXXX  collect the debt they charged off the debt not understanding why there still trying XXXX  get money for it as its still reported XXXX  credit agency as it will be moved off my report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
XXXX  Affirm XXXX XXXX XXXX Department, This letter serves as formal notice that Affirm is willfully attempting XXXX  collect XXXX  report unauthorized debt despite possessing documentary proof that the merchandise was returned XXXX  received. 

I did not authorize the following loans : XXXX Loan ID : XXXX Baseline Sports Loan ID : XXXX At the time of origination, my mobile device was compromised. Any reliance on IP address, device fingerprinting, or prior usage patterns is legally irrelevant when the device itself was accessed without authorization. 

More importantlyand this is XXXX XXXX you continue XXXX  ignorethe merchandise was returned XXXX  recovered. 

Proof of return ( already provided multiple times ) : XXXX : XXXX XXXX number : XXXX XXXX confirmed : XX/XX/year> XXXX  goods are returned XXXX  received, there is no ratification, no benefit, XXXX  no enforceable obligation. Continuing XXXX  assert liability after recovery of the merchandise is factually indefensible XXXX  legally reckless. 

Your repeated final decision responses fail XXXX  : Address the return of goods Explain how a returned item constitutes authorization Justify credit reporting of a debt subject XXXX  an active, documented fraud dispute This conduct exposes Affirm XXXX  liability under, but not limited XXXX  : Fair Credit Reporting Act ( XXXX XXXX. XXXX ) furnishing information known or should be known XXXX  be inaccurate Fair Credit Billing Act ( XXXX XXXX. XXXX ) improper billing for unauthorized transactions Unfair XXXX  Deceptive Acts XXXX  Practices ( XXXX ) statutes at the state level Be advised : reporting this debt XXXX  any credit bureau without clearly marking it as disputed constitutes a separate violation per bureau. 

Accordingly, this is a formal demand that Affirm : XXXX. Immediately cease collection activity on the disputed loans XXXX. Immediately suspend XXXX/or retract all credit reporting related XXXX  these accounts XXXX. Provide written justification explaining how recovered merchandise results in borrower liability XXXX. Confirm in writing that these accounts are closed or XXXX  pending resolution If Affirm continues XXXX  ignore the return evidence XXXX  proceeds with credit reporting or collection, I will take the following actions without further notice : File a CFPB complaint naming Affirms Legal XXXX  Compliance divisions File complaints with my State Attorney General File formal disputes with XXXX XXXX XXXX XXXX, triggering mandatory furnisher investigations Preserve records for civil action based on willful FCRA violations This letter preserves all rights. No consent XXXX  contact is implied beyond written correspondence. 

Govern yourself accordingly. 

XXXX XXXX XXXX ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Identity theft reports were sent XXXX  company is refusing XXXX  remove from my credit report. I've contacted XXXX  XXXX  the merchant on multiple occasions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MORGAN STANLEY & CO. LLC
State: IN

Complaint narrative:
XXXX : Received information from Morgan Stanley about promotional interest rate on my share holdings with them XXXX XXXX XXXX : Had a series of calls with Morgan Stanley XXXX XXXX conditions under which the terms were applicable XXXX  making sure that I would be able XXXX  qualify on my draw down XX/XX/XXXX : Confirmation call with Morgan Stanley XXXX XXXX promotional rate would be applicable XXXX XXXX : Morgan Stanley calls XXXX  XXXX confirm   that the promotional rate is not applicable XXXX  my account ; then confirms that it may be applicable XXXX  some portion of the drawdown XXXX  finally confirms that it is not applicable on any of the drawdown ; case is escalated XX/XX/XXXX : Morgan Stanley confirms that XXXX XXXX charges apply XXXX  promotion does not apply ; I ask them for the call XXXX  XXXX XXXX : Continued calls with Morgan Stanley reps XXXX  get call XXXX XXXX but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
XXXX refuses XXXX  lift the restriction placed on my account even though I have verified myself over the phone, submitted all required documents XXXX  they still keep changing the date that they will provide me with an update. They still have not provided an update XXXX  keep saying be patient while restricting my account for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: Block, Inc.
State: IL

Complaint narrative:
XXXX day I was at the tire shop XXXX  I pay everything with Cash App so I used Cash App XXXX  basically pay XXXX  the guy basically made a mistake XXXX I paid XXXX  because he said the XXXX  payment went through but it did I didnt know that until I check my Cash App XXXX I checked I asked can I have a refund he told me I would have to go through Cash App XXXX dispute the charge so I did that XXXX  they wrongful banned my account without even at least checking to see if it was even me also I had money on there XXXX  they took that i also been tryna get unbanned from Cash App for at least a year now XXXX  nothing is being done what can I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My account was restricted on XX/XX/XXXX without prior notice after I attempted to withdraw funds. Since then, no action has been taken XXXX  resolve the issue, XXXX  my funds remain withheld. 

I immediately contacted XXXX XXXX  provided all requested documentation, including my government ID, bank statements, XXXX  supporting documentation regarding my XXXX XXXX replacement. I also clarified that some deposits were made using my XXXX debit card XXXX  provided related information. 

I requested confirmation that my documents were received, a clear explanation for the restriction, specific guidance on any additional documentation required, XXXX  a timeline for when my account access XXXX  funds would be restored. 

Despite sending over XXXX emails XXXX  following up through multiple channels, I have not received a substantive response or clear instructions XXXX  resolve the restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Activehours
State: KY

Complaint narrative:
I am submitting a complaint regarding EarnIns referral bonus program. 

On or about XX/XX/year>, I referred a new user who successfully signed up using my EarnIn referral link and completed their first Cash Out ( transfer out ), which is listed as a qualifying action in EarnIns published Referral Bonus Terms. 

However, EarnIn support has informed me via in-app chat that the referral incentive will not be credited until the referred user repays their first Cash Out advance, and in some cases until I repay mine as well. Support further stated that successfully complete includes the full process of the transfer being debited from the users linked bank account. 

This repayment requirement does not appear anywhere in the Referral Bonus Terms presented to users. The terms state only that the referred user must successfully complete their first Cash Out. They do not state that repayment of that Cash Out must occur prior to the referral incentive being credited. 

I requested clarification from EarnIn support regarding where in the Referral Terms this repayment requirement is disclosed, and where successfully complete is defined to include repayment or debit settlement. EarnIn has not provided documentation showing that this repayment condition is disclosed within the applicable Referral Terms. 

I relied on the written Referral Terms when referring new users and would not have done so had repayment been disclosed as a prerequisite to receiving the referral incentive. 

I am requesting that EarnIn honor the referral bonus based on the qualifying actions outlined in the Referral Terms that governed my participation at the time of referral, or provide written clarification of where this repayment condition is disclosed within the applicable agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
Formal Request for Discharge Based on XXXX XXXX XXXX Fraud To Whom It May Concern, I am writing regarding my private student loan used to attend XXXX XXXX XXXX. As you are aware, XXXX XXXX XXXX was closed following findings of fraud and misconduct. 

I enrolled in the program based on representations that have since been determined to be misleading and deceptive. The institutions closure and documented findings of fraud significantly impacted the value of the education I received and my ability to benefit from the program as promised. 

Given these circumstances, I am formally requesting a review of my loan for discharge, cancellation, or settlement due to school misconduct and borrower harm. I am also requesting documentation of the original loan agreement, proof of funds disbursement to the school, and verification that the loan complied with all applicable consumer protection laws at the time of origination. 

Please confirm receipt of this request in writing and provide next steps within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: OK

Complaint narrative:
I am submitting this complaint regarding U.S. Banks handling of my credit card account and its continued reporting of delinquencies despite the banks stated intent to apply my deposit funds to the account. 

Background In XX/XX/XXXX, U.S. Bank informed me that it was closing all of my accounts, including my checking account and my credit card. At that time, I was told that funds in my deposit account would be applied ( offset ) toward the credit card balance as part of the closure process. 

Relying on this representation, and because the bank was restricting and closing my accounts, I did not submit additional monthly payments on the credit card. The bank had sufficient funds in my deposit account to satisfy the outstanding balance. 

Despite this representation : The credit card was reported as delinquent. 
The account was subsequently charged off. 
Late payments were reported to the credit bureaus. 
Confirmed Setoff On XX/XX/XXXX, U.S. Bank confirmed in writing that {$520.00} was applied via setoff to the charged-off credit card account. 

When the remaining deposit funds were returned to me in XX/XX/XXXX, the bank retained the portion of funds necessary for the credit card obligation, confirming that it did in fact exercise its right of offset. 

Ongoing Reporting Issue Despite : Representing that funds would be applied at the time of closure, Having possession of sufficient funds to satisfy the obligation, Confirming in writing that funds were applied via setoff, U.S. Bank continues to report the account as delinquent and past due. 

The current credit reporting reflects late payments and a past-due balance that should not have occurred given the banks stated intent to offset available funds and its subsequent confirmation that it did apply those funds. 

Concern The bank : Represented that funds would be applied to satisfy the credit card. 
Retained and later applied those funds. 
Allowed the account to go delinquent while holding sufficient funds. 
Continues reporting negative payment history and past-due status. 
This reporting is inaccurate and misleading given the banks representations and confirmed setoff. 

This matter reflects improper account handling and inaccurate credit reporting under the Fair Credit Reporting Act, and I request a full investigation.

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