vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Money Stash, L.L.C.
State: WI

Complaint narrative:
On Friday, XX/XX/XXXX there was an auto draw of {$380.00} made to my XXXX XXXX account. My autopay isn't scheduled till XX/XX/XXXX and I had changed the debit card a week prior ( XX/XX/XXXX ) to a different one. Without notice, they charged my XXXX XXXX and are attempting to charge me again for autopayment that is due on XX/XX/XXXX - meaning that I would be making 2 payments in less than one week. I had contacted the business and they refused to help or stop payment on XX/XX/XXXX despite my telling them that payment wasn't due till XX/XX/XXXX and that I had processed the change in account to make payments. I am past due by XXXX payment on the account and that was the reason that they stated they took the payment on XX/XX/XXXX without authorization or notice that they are taking the payment and told me that I would be making another payment on the due date ( XX/XX/XXXX ) which is scheduled already. When I spoke to them, I explained my financial situation and instead of attempting to work with me to change amount due to be more accommodating and helpful, they continued to use that I was overdue and not work with me. they Bottom line, they continually try to charge my bank account every single day to get funds. This causes extreme stress because they are expecting {$800.00} be paid within a week of each other causing financial stress upon me and refusing to work with me. When looking at my account, it states the amount taken on XX/XX/XXXX at " extra. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
LVNV FUNDING LLC CARE OF RESUGENT CAPITAL SERV, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX SENT VIA CERTIFIED MAIL * * * * * VALIDATION OF ACCOUNT Collection Account # : XXXX To Whom It May Concern, You claim I owe your Collection Agency {$1400.00} per the attached credit report dated XX/XX/year>. Under the Fair Debt Collections Practices Act, I hereby request a written validation of this debt pursuant to my rights under the FDCPA and not a simple verification of the debt via the XXXXXXXX process. Debt validation includes the providing me the following information, in writing, with 30 days of your receipt of my request : 1. The name of the Original Creditor on this account 2. Documentation that indicates that I agreed to pay this sum of money to the Original Creditor 3. A complete payment history, starting with the original amount owed and the original date of delinquency for this account that led to this alleged collection activity 4. Documentation that grants you the sole authority to collect on this alleged debt 5. An accounting of what you paid for the right collect this debt, and your method of calculating the current amount you allege is owed Your written response is required within 30 days of receipt of my validation request ( note that I have sent this request via certified mail ) failing which, I demand a complete removal of this collection account from my credit profile under my rights under the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that while this item is being investigated, you must report to each credit bureau that this alleged account is in dispute and remove this tradeline from my credit profile until this validation process has been completed. In addition, I reserve the right to file actions with government regulatory oversight agencies, or take civil action under state, and federal regulations as needed. I have sent a copy of this validation request to each of the three national Credit Reporting Agencies so that they can monitor your compliance with this 30-day investigation process. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: DE

Complaint narrative:
I am submitting a formal complaint against Cash App, a service operated by Block , Inc., regarding the sudden and unjustified closure of my account. My account was closed without any prior warning, explanation, or opportunity to address any alleged issue. Despite reaching out to their support team, I have not been provided with a clear or specific reason for this action. I was only given vague responses that failed to identify any actual violation, transaction, or policy that I am alleged to have breached. This lack of transparency has left me unable to understand or respond to the situation. I have used my Cash App account responsibly for both personal and business purposes, including services such as loans and XXXX, all of which were used appropriately and within their intended guidelines. To my knowledge, I have not violated any terms of service or applicable laws. The closure of my account has caused a significant disruption to my financial activities and business operations. Without access to my account or a clear explanation, I am unable to take corrective action or prevent this from happening again. I am requesting the XXXX XXXX XXXX assistance in obtaining the following from Cash App : A detailed explanation of the specific reason ( s ) for my account closure Identification of any transactions or activities in question The exact terms of service or policies allegedly violated A fair review of my account with the possibility of reinstatement Cash Apps failure to provide transparency or due process in this matter is concerning and has placed me at a disadvantage as a consumer. I appreciate your time and assistance in helping to resolve this matter and look forward to your guidance on the next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding the closure of my bank account by Capital One due to alleged fraud. On XX/XX/XXXX An individual mistakenly sent money to my account through XXXX. Upon realizing this, I returned the funds to the intended recipient. Despite acting in good faith and not engaging in any fraudulent activity, my account was flagged and subsequently closed because the person that sent the money called and reported fraud but the person that she was supposed to send the money to received it as she called me in which message below will be attached and the issue was resolve but I didnt know I was reported till my account stopped working on XX/XX/XXXX. I believe this action was taken in error. I am concerned about any potential negative reporting associated with this incident and would like confirmation that I have not been reported for fraud to any consumer reporting agencies such as XXXX or XXXX XXXX XXXX in which I requested the following from the representative I called with from CapitalOne. 1. A clear explanation for the account closure 2. Confirmation that no negative fraud-related reporting has been made against me 3. Correction of any inaccurate information, if reported 4. Assurance that my remaining funds ( if any ) are returned promptly She then told me I would have to find out myself and had to call XXXX myself. I acted responsibly and in good faith and would like this matter reviewed and corrected as I was harmed and felt distress during this incident because Ive never experienced this sort of matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: OH

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
To Whom It May Concern, I am disputing the Wells Fargo ( WFBNB Card ) account currently reported on my credit file as a charged-off account. This account has been disputed multiple times. Each time, it has been verified as accurate. However, during a prior investigation, Wells Fargo provided documentation belonging to another individual. This is clear evidence that a reasonable investigation was not conducted and that the information being reported can not be considered reliable. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation of disputed information. Verifying an account after providing another consumers data demonstrates a failure to comply with this requirement. Because of this error, the accuracy of all information associated with this account is now in question. Any verification provided under these circumstances is unreliable and does not meet the standard required under federal law. Additionally, I am requesting the method of verification used to verify this account, including : - The name and contact information of the party who verified the account - The method used to verify the account - Copies of any documentation relied upon If you are unable to provide this information, or if the account can not be properly verified through a reasonable investigation, you are required under the FCRA to delete this account from my credit file. Given the prior failure to verify and the handling of another consumers information, I am requesting immediate deletion of this account. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing this complaint against Affirm regarding two unresolved disputes with the merchant XXXX. Despite returning the merchandise and providing documentation of the returns, I am still being billed for XXXX separate loan plans with a combined remaining balance of {$530.00}. The merchant, XXXX, has acknowledged receiving the returns but claims a " technical error '' is preventing them from issuing the refund. Affirm has failed to resolve this discrepancy and is now marking both accounts as " Overdue '' as of XX/XX/year>. I have already paid a total of {$130.00} toward these disputed plans in an attempt to keep my account in good standing while waiting for the promised credits. I have a complete log of these communications and proof of delivery for the returned items, yet Affirm continues to demand payment for products I no longer have. I am seeking a full correction of these balances to reflect the items I returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ClearOne Advantage, LLC
State: FL

Complaint narrative:
I am filing a complaint against ClearOne Advantage regarding their handling of my debt settlement program. I enrolled approximately 30 months ago with {$16000.00} in debt and have paid approximately {$9600.00} into the program ( $ XXXX ). While some debts have been settled, a significant issue has arisen that shows potential negligence and unfair practices. One of my enrolled accounts has now escalated to legal action, and I am currently facing court. ClearOne Advantage failed to settle this account in a timely manner despite my consistent payments into the program. Instead of resolving the issue, they are now requiring an additional {$950.00} upfront and extending my program another 24 months at $ XXXX. This raises several concerns : - Failure to act in a timely manner on enrolled debts, resulting in legal escalation - Prioritization of accounts in a way that appears to benefit fee collection rather than client outcome - Excessive fees ( approximately $ XXXX ) relative to the progress made - Lack of adequate support or guidance when legal action occurred - Misalignment between expectations set during enrollment and actual outcomes I have upheld my end of the agreement by making consistent monthly payments. However, the companys handling of my account has resulted in additional financial harm and legal exposure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I am filing a formal complaint regarding a disputed debt currently being collected by Sequium Asset Solutions on behalf of XXXX XXXX. This account stems from a XXXX home security service agreement that involved significant billing discrepancies, misrepresentation of costs, and unauthorized charges. Key issues include : - I was misled regarding the actual monthly cost of services at the time of agreement. - XXXX increased charges without my knowledge or consent. - A charge exceeding {$1000.00} was processed without proper authorization, which I reported as fraudulent. - Despite multiple attempts to resolve these issues directly with XXXX, neither a resolution nor a refund was provided. - I discontinued use of all services and removed all equipment from my home. - I have expressed willingness to return all equipment, but XXXX has refused to provide return authorization unless the disputed balance is paid in full. The account was subsequently sent to collections while actively disputed. According to the collection notice, the current balance is {$2800.00}. This includes {$1300.00} in fees, which I do not recognize and dispute entirely. I have not received documentation proving these fees are authorized under the original agreement or permitted by law. I formally dispute the validity of this debt and request : - Full validation of the debt, including an itemized breakdown of all charges - Proof that all fees assessed are contractually authorized and legally permissible - Documentation showing I approved or authorized the charges in question - Confirmation of Sequiums legal authority to collect this debt Additionally, I am requesting that : All collection activity ceases until the debt is properly validated This account be marked as disputed with all credit reporting agencies No further negative reporting occurs while this matter is under investigation I am also requesting assistance in facilitating the return of equipment, as I am attempting in good faith to resolve this matter and mitigate further charges. This situation has caused financial harm and damage to my credit due to ongoing reporting of a disputed and potentially invalid debt. If this matter is not resolved, I am prepared to pursue further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: TN

Complaint narrative:
On XX/XX/year> I canceled my membership with XXXX, but on XX/XX/year> I was charged {$38.00}. I contacted Cashapp & requested my money back they refused. I want my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My LLC has been a Chase customer since XX/XX/XXXX. On XX/XX/XXXX, Chase sent a letter stating my account was on hold. On that same day, I called customer service and was told the account was being closed and my funds would be returned within 10 days. However, I have not received my {$13000.00} balance. In a follow-up call on XX/XX/XXXX at approximately XXXXXXXX XXXX a representative named XXXX provided contradictory information, claiming the funds are now under a 'fraud investigation ' and stating the bank could hold my money for 7 years. He even stated : 'He who owes nothing, fears nothing. ' I demand the immediate release of my {$13000.00} as promised during my initial call with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
This debt collector had done unjustfiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5 step validation procedure. According to the FDCPA I'm entitled to compensation for these violations and clearly they violated my rights and abused my privileges. I demand this account be taken off immediately. Account Name : Amsher Collection Services Amount Shown : {$640.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a chargeback dispute ( Claim # XXXX ) related to an XXXX reservation ( Reservation # XXXX ). I booked a stay from XX/XX/XXXX to XX/XX/XXXX. During the stay, there was a significant leak in the master bedroom where I was staying. The condition became uninhabitable, as water was actively leaking and caused my belongings and myself to get wet. Due to these unsafe and unlivable conditions, I was forced to leave the property early on XX/XX/XXXX at approximately XXXX XXXX. I contacted the host through XXXX requesting a full refund, as I could not complete my stay due to the condition of the property. The host only offered a partial refund of {$600.00}, which I declined. I filed a dispute with Bank of America on XX/XX/XXXX, as I did not receive the services I paid for in full and the property was not as described or habitable. Bank of America has now denied my dispute, which I believe is incorrect and unfair. I did not receive the full service paid for, and the accommodation was not in a livable condition. I am requesting that this dispute be reopened and properly investigated, including a review of all evidence showing that the property was uninhabitable. I am seeking a full refund for the unused portion of my stay and for Bank of America to correct their handling of this dispute

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