vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I am submitting this complaint regarding a federal student loan that originated in the early XXXX. I have requested a copy of the original signed promissory note from the current loan servicer and furnisher in order to review the terms under which the loan was originated. 

Despite these requests, the servicer has been unable to provide a copy of the original signed promissory note. No explanation has been provided as to whether the document is unavailable, lost, or never retained, only that it can not be produced. 

As a result, I am unable to fully review or verify the original loan terms, which limits my ability to understand the circumstances under which this debt was incurred. Given the age of the loan, access to accurate documentation is especially important. 

I am requesting that the servicer either provide a copy of the original signed promissory note or clearly explain why the document can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: FL

Complaint narrative:
I am submitting this follow-up complaint because Cash App failed to conduct a reasonable investigation into my disputed card transactions and failed to provide sufficient documentation or evidence supporting its denial, as required under federal consumer protection standards. 

Between XX/XX/XXXX and XX/XX/year>, three card-not-present transactions were processed through my Cash App account to the same merchant ( XXXX ) in the amounts of {$990.00}, {$740.00}, and {$800.00}, totaling {$2500.00}. The goods and services paid for were never delivered or received. 

I timely disputed all three transactions on XX/XX/year>, selecting I never received the product or service I paid for, and provided supporting documentation. Cash App denied all disputes within approximately one business day. Cash App later stated that the transactions were authorized but did not provide evidence that the merchant fulfilled its obligations or that delivery occurred.

In response to my CFPB complaint, Cash App asserted that the merchant fulfilled its obligations and claimed that refunds were voided, yet Cash App did not provide proof of delivery, merchant correspondence, shipment confirmation, service completion records, or documentation showing that a reasonable investigation was conducted. Cash App also stated that I must resolve the issue directly with the merchant, despite Cash App being the card issuer and dispute handler.

Cash App did not demonstrate that it contacted the merchant, evaluated merchant records, or assessed evidence showing that the services were provided. The responses provided consist largely of conclusory statements without substantiating documentation. This raises concerns that Cash App failed to meet its obligations to properly investigate billing disputes and provide a transparent explanation supported by evidence.

I am requesting that Cash App be required to : Provide the documentation relied upon to deny the disputes Identify what evidence shows the merchant fulfilled the transaction Explain what investigative steps were taken Reevaluate the disputes based on actual merchant verification I am not disputing authorization of the transactions, but rather non-receipt of goods and services and the failure of Cash App to conduct a reasonable and documented investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
They claim they processed a cease and desist in XXXX of XXXX based on my current outstanding complaint against them, however this is incorrect as they violated that cease and desist by calling me on XX/XX/XXXX from phone number XXXX ( XXXX ) XXXX. They are in direct violation of a long standing cease and desist and as a result should drop the wrongful suit against me. Again, Im a XXXX XXXX  and XXXX displaced former XXXX XXXX. I have nothing to give. I have no wages to garnish. Im already struggling with XXXX  ideations daily and this constant harassment and lawsuit has made the issue significantly worse. Chase should be ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AL

Complaint narrative:
My account was closed, I moved to a new state, and the bank refused to issue checks to my new address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Citibanks decision to restrict my account despite confirming my identity and verifying that I was the authorized individual attempting to access and use my own funds. After completing Citibanks requested verification process, my account remained blocked, and I was informed that I must wait an additional 72 hours before regaining access. During this period, I am unable to access or use any of my money.

Citibank has not provided a clear or adequate explanation as to why my account remains restricted after verification was completed. This has caused financial hardship and unnecessary XXXX, as I rely on these funds for daily and essential expenses. I believe this delay and lack of transparency may constitute an unfair or unreasonable banking practice.

I respectfully request that this matter be reviewed, that full access to my account be restored promptly, and that Citibank be required to provide a written explanation for the restriction and delay. 
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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX has filed a lawsuit against me about a debt i do not owe. Their attorneys are Selip and Styliano. I was not notified of this with any attempts before hand and I have filed my answer but not received any other notification of this. I was not properly notified of the case and found out because my father is a court clerk. I filed answer asking for proof and have received nothing. I do not owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I am disputing the accuracy and completeness of American Express credit reporting for my American Express Gold Card account ending in XXXX. A 30-day late payment notation is reporting for XX/XX/year>. 

American Express representatives stated by phone that an autopay payment and other related payments for the XX/XX/year> cycle were returned, and they maintain that the late reporting is accurate. However, American Express is refusing to provide basic transaction and reporting data necessary to validate and reconcile the adverse reporting.

I have retained the payment confirmation email ( s ) generated by American Express for payments initiated through the Amex app and the Amex autopay feature. Despite that, American Express will not provide the core ACH return and reporting determination details needed to reconcile their position against the payment record.

American Express is refusing to provide, in writing or verbally : 1. The ACH return code and the return date for the returned autopay are tied to the XX/XX/year> cycle 2. The effective date American Express treated the payment as failed 3. The date American Express considers the account to have become 30 days past due for credit reporting purposes for XX/XX/year>, including the basis used to determine that date This refusal prevents me from verifying the accuracy and completeness of the adverse reporting and from resolving the dispute using objective data. In addition, the tradeline as displayed on my consumer reports contains inconsistencies across consumer reporting agencies, including mismatched key tradeline dates and delinquency placement. 

I am requesting that American Express conduct a furnishing audit for the XX/XX/year> cycle and provide a written response that includes the three items above. If American Express can not substantiate the reporting as accurate and complete, I request that American Express correct the furnishing and issue updates to XXXX XXXX and XXXX 

Legal and compliance context : Under the Fair Credit Reporting Act, after a consumer reporting agency dispute is transmitted to a furnisher, the furnisher must investigate and correct inaccurate or incomplete information. See XXXX XXXX. XXXX ( b ). I am seeking the underlying payment return details and the reporting date logic needed to evaluate and resolve this disputed negative credit reporting. 

Timeline : Negative item : 30-day late reported for XX/XX/year> I contacted American Express by phone on : [ insert dates ] American Express stated autopay was returned and refused to provide the ACH return code, return date, effective failure date, and the date used for the 30-day past due determination for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I paid off a vehicle through XXXX. XXXX advised that payoff funds were sent electronically ( ACH ) to Santander XXXX XXXX 

Santander XXXX XXXX  has not properly credited or returned these funds. As of today, the funds have not been applied to my account balance and have not been refunded to me. 

I have contacted both XXXX and Santander multiple times. XXXX states the funds were sent. Santander states they do not show receipt, yet neither company has completed a successful trace or provided written confirmation of where the funds are. 

Because the payoff funds were not properly credited or refunded, my account reporting became inaccurate and shows delinquency even though the vehicle was paid off. 

I am requesting that Santander XXXX XXXX conduct a full ACH trace, locate the missing funds, and either : Apply the payoff funds correctly to the account Issue a full refund I am also requesting correction of any inaccurate credit reporting resulting from this issue. 

This matter has been ongoing for several months and has caused financial harm and credit reporting damage. 

XXXX indicated the funds were sent electronically, but no ACH trace documentation has been provided to me. I am requesting written proof of receipt or non-receipt and confirmation of resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: OK

Complaint narrative:
I was excited to open a Chime account with my daughter as my sponsor. We were both supposed to receive a signup bonus. The advertising said a Social Security direct deposit would qualify. However, they require the deposit to happen within the 45 day qualification period. What they know and dont tell you is that Social Security takes 60 days to make the switch and deposit. I opened my Chime account and set up the direct deposit with Social Security the same day ( XX/XX/year> ). There is no way to set up the direct deposit from social security prior to opening an account. A routing number and account number are required. Signing up for both on the same day should have been sufficient to meet the requirements. When I realized the direct deposit wasnt going to Chime for XXXX, I called SSA. They said there was no way it could happen before my XX/XX/XXXX check. Chime knows it takes SS direct deposits longer than the advertised 45 day qualification period and yet they advertise that ss direct deposits can qualify a new customer for the sign up bonus. This is deceitful and unethical false advertising that affects mostly senior citizens. They need to either stop advertising it that way or extend the direct deposit window to 60 days for social security to end this discrimination. Furthermore, whatever they do for the future, they need to make this right for my account and my sponsors account and give us the signup bonus when my ss direct deposit happens XX/XX/XXXX. I did have a long and detailed chat with XXXX, an online Chime customer service representative, on XX/XX/XXXX. She was sympathetic, but unable to resolve the problem so I am continuing with my effort here. Thanks for your help. Chime can request screenshots of my customer service chat if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
I have contacted Chase on line Credit card Customer Service 10 time to try and get this problem resolved. The tenth time I was transferred 3 times and was asked to wait on line for 10 minutes. I said no way will I wait 10 minutes I will just file a complaint. What I have done in the past is call a number on my Chase Credit card and get a code so I could access my Credit Card so I could pay my Bill. But since the month of XXXX of XXXX  I have logged in to my account Chase would call me and would instead let me access my account give me a XXXX number to call which had nothing to do with my Credit Card Account. So I would have to call My XXXXXXXX XXXX XXXX  Chase Number and get Transferred two different times to people who couldn't speak my language and said there was nothing they could do for me. I explained I was a XXXX  XXXX XXXX XXXX Veteran and I use this Credit Card for everything and I even have my Groceries delivered to my Apartment and I pay all my Bills and all my Credit Cards and even my XXXX Chase Credit Card up until XXXX of XXXX  because of my XXXX. I also mentioned I am on XXXX XXXX with the VA XXXX and my Home Care Nurse has Called me up and asked what is going on with your XXXX XXXX and I said stress with Chase Credit Card. I am not allowed to have XXXX  in my Condition so this is why I need this problem taken care of. Please resolve this problem. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
My American express credit card was hacked and there where fraudulent charges made and fraudulent payments made towards my account with fake bank accounts. American Express was made aware of this but has sent it to a lawyer who is trying to XXXX  me over the fraudulent charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am submitting additional information and documentation showing that I have continued attempting to make payment, but the companys payment system repeatedly shows outages or does not allow payment to be processed. I have attached both prior and recent screenshots showing the payment portal not functioning properly. 

I have made multiple attempts over time to resolve this account and complete payment under the settlement terms, but payment access problems and inconsistent communication have prevented me from doing so. I also did not receive proper notice when settlement deadlines were moved, which caused deadlines to pass while I was actively attempting to comply. 

I remain willing to resolve this account and make payment, but I need clear written payment instructions and a functioning payment method. I am requesting reinstatement or extension of settlement terms so I can complete payment and resolve the account without further collection action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
* * Complaint Regarding False Statement in Prior CFPB Response by Aidvantage * * I am submitting this new complaint because Aidvantage made a materially false statement in its response to my prior CFPB complaint, and that falsehood has not been corrected. 

In its CFPB response, Aidvantage stated that my loans were paid in full as of XX/XX/year>. This statement is false. I never paid off my student loans on or around that date, nor did I authorize or receive notice of any payoff, discharge, consolidation payoff, or other satisfaction of the debt. There are hundreds of thousands of dollars in student loans associated with my account, and those loans remain visible in my Aidvantage account and continue to appear on my consumer credit reports. Their status was never updated to reflect a true paid-in-full or closed condition. 

Aidvantages statement is not a matter of interpretation or confusion. A borrower knows when their loans have been paid in full. No such event occurred here. Describing unresolved and outstanding student loans as paid in full in a formal CFPB response is materially inaccurate and misleading. 

This false representation is particularly concerning because Aidvantage simultaneously claims compliance with federal accuracy obligations while providing information that does not reflect the actual status of my loans. The response also failed to meaningfully address the substance of my original complaint and instead introduced a new factual error. 

I am requesting that the CFPB require Aidvantage to explain what it claims occurred on XX/XX/year>, correct the false statement made in its prior response, and provide an accurate account of my loan status. Servicers should not be permitted to resolve complaints by making demonstrably untrue statements to federal regulators.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
My husband took out a loan with good leap for Solar System on our house. But as a XX/XX/XXXX of XXXX, he passed away. I have been dealing with them ever since to make the payments to them. And I explained that I no longer get paid at the beginning of the month that I get paid at the end of the month which has put me behind on a couple payments. I have made the payments current. But they are refusing to unlock the system. They came out. Put a padlock on my Solar System and refuse to turn it on until I make another payment. We made an agreement back last month XXXX XXXX XXXX XXXX, that if I made an XXXX XXXX dollar payment, they would turn it back on.They refuse to and they have sent me emails in return about it.I asked them to send me a copy of where it says in the contract. That they have a right to shut off my system. In padlock, it and they refuse to send me the information I asked. I have told them that I am going to file complaint with you and all of a sudden they decide. They're going to, in so many words, turn it back on.But give me a warning of I better stay current on my payment. So the thing is, is, I am not on the solar loan.

Company response to consumer: Closed with explanation