vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year> I got a call from Cash App around XXXX XXXX saying someone was logging into my account and if it was not me press a button. After that they sent me a code I pressed the code got in to my cash app they then asked If this device was not me then to XXXX it out XXXX did that Immediately after logging it out I noticed that they had already stole the money that I had on there. {$1900.00} and left me with {$20.00} dollars they sent it to a cash App XXXX XXXX XXXX I instantly tried requested money back and also contacting cash app. Did that put in a dispute told me to wait 10 days I then received a documentation saying that I was denied nothing proving as to why. I then called them back wait lets back track on Thursday XX/XX/XXXX I received another call from Cash App same thing somebody was logging into my cash app. I logged it out they had me change my email and took a complaint. I had 2 people tell me that I should get my money back and 1 saying they just have to investigate more. So I said Ok today XX/XX/XXXX I received a decline from the appeal saying it was denied still nothing letting me know how they made this decision. This was not me at all I did not make this transaction. I would love to get my money back this is a hige inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Possible Financial Inc
State: IN

Complaint narrative:
I am filing this complaint against Possible Finance because the company has reported an alleged loan account on my consumer credit report that has caused measurable damage to my credit standing even though I have never received any meaningful written disclosures, validation of terms or initial communication explaining the debt, and have never been provided with required documentation establishing a valid contract, lending terms, or a lawful balance, which raises serious concerns under federal lending and consumer protection law as well as applicable Indiana law ; under the Truth in Lending Act ( implemented by Regulation Z ), 15 U.S.C. 1601 et seq., a consumer lender must disclose all material loan terms including the annual percentage rate, finance charges, and total repayment obligations before consummation of credit, and must not furnish credit reporting data that is inaccurate or unverified, and under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers must not report information that they know or have reasonable cause to believe is inaccurate and must conduct a reasonable investigation upon notice of dispute, which Possible Finance has failed to do ; further, as a nonbank personal loan provider operating in Indiana ( where consumer loans are regulated under the Indiana Uniform Consumer Credit Code and require appropriate licensing to make or facilitate loans to state residents ), Possible Finances furnishing of this tradeline without proper documentation or demonstrated compliance with state license and disclosure requirements undermines the protections of Indianas lending regime and raises regulatory concerns with the Indiana Department of Financial Institutions , and its credit reporting conduct constitutes abusive and deceptive practices that have harmed my creditworthiness, financial prospects, and personal well-being ; I therefore request that Possible Finance immediately and permanently delete the inaccurate tradeline from all consumer reporting agencies, provide written confirmation of the deletion and all documentation it relied upon in reporting the account, and provide a preemptive compensatory payment of {$500.00} for unlawful credit reporting abuse and the resulting damage, with the understanding that if this matter is not promptly resolved it may give rise to further action under federal and state consumer protection, lending, and credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
The loan was originally taken out for my education at The XXXX XXXX XXXX XXXX, which is now no longer in business and was subject to multiple predatory lending lawsuits. I have been making payments on this loan, with extraordinary high interest rates ever since. The loan was then transferred from XXXX XXXX XXXX XXXX XXXX Launch Servicing , LLC. Launch Servicing , LLC claims that I have " used up '' all of my payment deferments and denied my request to delay my payment date. I have absolutely no record of my deferments that I have used, therefore, I can not even verify if this is in fact accurate. I do not understand why I should continue making payments to a company for an institution that is no longer active, thus making my degree I earned essentially useless. Further, this loan was obtained in the first place due to predatory lending practices, specifically I was told that if I didn't take out the loan, then not only would I be responsible for paying back the student loan I took out, but I would also not be able to get my degree. Years and years of interest have virtually made this loan almost impossible to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL LL - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Reach Financial LLC
State: MD

Complaint narrative:
I entered into Contract with XXXX XXXX XXXX to negotiate with my creditors and lower my debt. They were able to negotiated and lower the debt while I was paying monthly into a dedicated savings account. Few months after, I suddenly saw that the debt relief program been been transferred to lender ( Reach Financial ) without my knowledge and it was not stated in my contract with them. The terms of the initial contract has changed, the years the payments will stop has been extended by this new agreement. While I enquired from the Lender ( Reach Financial ), the lender told me they sent an email to me on XX/XX/year>, that contains Loan Agreement, terms and conditions which they claimed I signed electronically but honestly speaking, they didn't sent any emails to me, I checked my email records, inbox, spam trash but no such email from lender. Upon my findings with XXXX XXXX XXXX XXXX XXXX XXXX site, I saw a huge complaints by the customers of this same act by the Lender ( Reach Financial ) and National Debt Relief, claiming to send loan agreement email to customers which they didnt. I have contacted them on many occasions that I didnt received any loan agreement email neither do I have any opportunity to review terms and approved such a loan. They insisted they sent loan agreement emails but I maintained my stand because this is an exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: NY

Complaint narrative:
RE : Cease and Desist XXXX XXXX to XXXX XXXX. XXXX ( c ) Account Number : [ Insert Account Number ] 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 XXXX XXXX. XXXX ( c ). You are hereby notified to CEASE AND DESIST all communication with me regarding the above-referenced account. This includes, but is not limited to, telephone calls, text messages, emails, letters, or communication through third parties. Under XXXX XXXX. XXXX ( c ), after receipt of this notice, you may only contact me to : XXXX. Advise that further efforts to collect the debt are being terminated ; XXXX. Notify me that you may invoke specified remedies that are ordinarily invoked by your company ; or XXXX. Notify me that you intend to invoke a specific remedy. If you fail to comply with this request, I will document all violations and consider filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I also reserve the right to pursue civil remedies under the Fair Debt Collection Practices Act. This is not an acknowledgment of the debt, nor is it a refusal to pay. I am simply requesting that you cease further communication as permitted by federal law. Please confirm in writing that you have received this notice and will comply. Also Re : Formal Dispute Pursuant to XXXX XXXX. XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information appearing on my consumer credit report. This dispute is made pursuant to my rights under the Fair Credit Reporting Act, XXXX XXXX. XXXX, which requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information. Account name XXXX XXXX Account # XXXX Account name XXXX XXXX Account # XXXX Account name SELF /ATLANTIC XXXX B Account # XXXX Under XXXX U.S.C. XXXX ( a ), you are required to : Account name SELF FINANCIAL/LEAD BANK Account # XXXX Conduct a reasonable reinvestigation within 30 days Review and consider all relevant information provided Delete or modify any information that can not be verified Provide me with written results of your investigation If you are unable to verify this account with the furnisher, you must delete it from my credit file. Please provide written confirmation of your investigation results and an updated copy of my credit report reflecting any corrections. Failure to comply with your obligations under federal law may result in further action to enforce my rights. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against Experian for failing to remove XXXX hard inquiries that are older than XXXX XXXX. Under the Fair Credit Reporting Act, hard inquiries may only remain on a consumer credit report for XXXX XXXX. As of XX/XX/year>, the following inquiries exceeded the XXXX reporting period but remain on my credit report :

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, a {$490.00} annual membership fee was billed to my Citi XXXX credit card account. The billing description stated that the fee covered the membership period XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX, I called Citi to cancel the account. During that call, I specifically asked whether I would receive a full refund of the {$490.00} annual fee if I canceled at that time. I asked this question more than once to ensure there was no misunderstanding. The representative confirmed that I would receive a full refund and that it would post back to my account within a few weeks. Based on that confirmation, I proceeded with canceling the card. During that cancellation call, I was not informed of any XXXX or XXXX limitation for refund eligibility. When the refund did not appear, I contacted Citi again on XX/XX/XXXX. During that call, I was told for the first time that the annual fee could not be refunded because the cancellation occurred after XXXX XXXX from the billing date. I explained that when I canceled the account on XX/XX/XXXX, I had specifically asked about the refund and was told that the annual fee would be fully refunded. I also explained that I would not have canceled the account if I had been told the fee would not be refunded. During the XX/XX/XXXX call, I requested that the issue be reviewed by a supervisor and that Citi review the recorded call from the XX/XX/XXXX cancellation conversation. On XX/XX/XXXX, a Citi senior account manager left a voicemail stating that the annual fee would be considered valid and could not be adjusted because the account was canceled after the XXXX timeframe.

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 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: POWERPAY, LLC
State: VA

Complaint narrative:
We bought a door from XXXX XXXX ; the deal was that we could finance the door through them with Power Pay LLC for 0 % interest If we paid the door off within 12 months of the installment completion date. We signed the contract with XXXX on XX/XX/XXXX. They completed the door installation XXXX XXXX, XXXX. Power Pay LLC has XX/XX/XXXX, as the due date for the loan. We called XXXX and they said the due date should be XXXX XXXX, XXXX but we would have to contact Power Pay LLC to get them to ask XXXX for the date change. Why couldn't XXXX contact them and give them the correction is in question??????? NOT very consumer friendly! The second problem : we have received only 3 monthly statements ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). We paid {$1000.00} by check the first month and four more {$1000.00} monthly payments by Bill Pay through our bank the following months. We just paid {$4000.00} by check this month. Only the XX/XX/XXXX statement gives us a {$1000.00} credit. The payments have cleared our bank, but we have nothing from Power Pay showing credit for payment. WE need monthly statements mailed to us! WE have tried calling Power Pay LLC countless times to no avail. We mailed them a certified letter on XXXX XXXX, XXXX but have heard nothing. We need your help....

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am disputing {$460.00} in interest charges caused by American Express 's administrative and system errors. Administrative Error : On XX/XX/XXXX, I requested an XXXX update via chat. The representative failed to properly re-enroll my account, leading to an unintentional cancellation. System Error ( Evidence ) : For my XX/XX/XXXX statement ( Due date : XX/XX/XXXX ), I paid the full balance on XXXX XXXX XXXX early. Despite this, Amex charged me {$170.00} in interest. This proves their billing system is incorrectly assessing interest even on timely payments. Resolution Attempt : I spent hours on chat with supervisors, but they provided factually incorrect information and refused to acknowledge the XXXX billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
SECCREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SECCREDIT 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting this formal complaint regarding the continued reporting of inaccurate and unverified information on my consumer credit file. The XXXX collection accounts listed below are currently being reported on my credit report by XX/XX/XXXXand XX/XX/XXXX for an alleged debt that I do not owe and that does not belong to me. XXXX. LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX. Account Number ending XXXX. Balance of {$480.00}. XXXX. LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX. Account Number ending XXXX. Balance of {$860.00}. Upon discovering this account, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and submitted a written request for validation of debt to the collection agency. To date, I have not received any competent evidence or documentation validating this alleged debt. Specifically, I have not received : A signed contract bearing my signature Account statements showing I incurred the obligation A complete payment history Proof of assignment or transfer of the alleged debt Any documentation evidencing that this account legally belongs to me Despite the collection agencys failure to provide proper validation, the credit reporting agencies continue to report and update this account as verified. This is deeply concerning. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes inaccurate information. Simply marking the account as verified without providing supporting documentation does not constitute a reasonable investigation. Furthermore : Reporting unverified information after a validation request violates FDCPA XXXX ( b ). Continuing to report information that can not be substantiated violates FCRA XXXX and XXXX. Furnishing information without proper investigation may constitute negligent or willful noncompliance under federal law. The continued reporting of this unverified account is causing significant harm to my credit profile, reputation, and financial standing. If the furnisher of this account can not provide legally sufficient documentation proving the account belongs to me, the balance is accurate, and they have legal authority to collect and report it then the account must be immediately deleted from all credit reporting agencies. If this matter is not resolved promptly, I reserve the right to pursue additional remedies available to me under federal law. I appreciate your immediate attention to this matter and expect a thorough investigation consistent with federal consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal written dispute and demand for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) regarding the above-referenced alleged debt. My dispute clearly requested : A copy of the original signed agreement Full account history Proof of assignment / chain of title Proof of authority to collect Proof that the amount claimed is accurate and lawful The company has failed to provide competent evidence validating the alleged debt. Instead of supplying the documentation requested, they either : Provided incomplete information, Ignored specific validation requests, or Continued collection/reporting activity without proper validation. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing within the required timeframe, the debt collector must cease collection activity until verification is mailed to the consumer. Additionally, reporting or continuing to report a debt without conducting a reasonable investigation may violate 15 U.S.C. 1681s-2 ( b ) of the FCRA. Their failure to properly validate the debt while continuing collection efforts and/or credit reporting constitutes : Failure to validate under FDCPA 1692g ( b ) Potential false or misleading representation under 1692e Potential unfair collection practice under 1692f Failure to conduct reasonable investigation under FCRA 1681s-2 ( b )

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief