vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 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: OR

Complaint narrative:
" I, XXXX XXXX, am filing this complaint against Cash App XXXX Block XXXX Inc. ) regarding a long-standing, unexplained denial of service. For the past two years, I have been blocked from ordering or using a Cash App XXXX. 
1. Refusal to Provide Information : I have contacted Cash App support multiple times via phone ( XXXX ) seeking a resolution. In every instance, including my most recent calls, representatives have stated : 'We can not tell you why. Is there anything else I can help you with today? ' 2. Written Confirmation of Denial : On XX/XX/year>, Support XXXX XXXX XXXX ( Thread ID : XXXX ) confirmed the denial via email but stated : 'Unfortunately, we ... can not provide further information or override this decision. ' 3. XXXX XXXX : The issue appears to be a system-wide block on my identity that I am prevented from fixing. 
When I attempt to manage my profile to resolve potential conflicts, I receive an 'Email linked to too many accounts ' error. 
I can not log in to these other accounts to close them because of this error. 
I attempted to create a brand new account, but I am still blocked from ordering a card, proving the restriction is on my identity/SSN. 
Cash App has effectively blacklisted me while refusing to tell me why or help me fix the 'too many accounts ' error. I am requesting that the CFPB compel Cash App to review my file, assist me in consolidating my accounts, and provide a clear reason for this denial. I also have a video of my screen record that I can not upload to this site the video shows the " too many accounts attached to this email '' problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I received a {$1000.00} AMEX gift card on XX/XX/year> and can not use it anywhere! I cant use it to pay bills. Cant use it on XXXX. Cant use in certain stores. Can not use to send money. Cant take cash out. I have a {$1000.00} gift card rendered useless because of this. The customer service and FAQs are extremely unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greenway Mortgage Funding Corp.
State: LA

Complaint narrative:
Misrepresentation of debt and lying to state regulators about delinquency days. 
XXXX XXXX  says in there letter that it is not subject to mortgage broker laws when they denied receipt of four certified mail notices and did not have to produce the wet-ink note. The Office of Financial Institution 's seems to think lying to state regulators is outside of its jurisdiction being as all this information was supplied to them and they could not seem to catch them in the lies that were told, or simply did not care to deal with it.

The XXXX credit report shows the loan was sold to XXXX XXXX XXXX. XXXX XXXX  then illegally transferred the loan to XXXX XXXX XXXX who said they may be a debt collector trying to collect a debt while at the same time being foreclosure counsel, and both simultaneously billing. None of these transfers appear on the allonge.

After all of this XXXX XXXX  continues to send its agents to my home to take pictures and harass us on a home they have no standing to collect on much less any authority to foreclose upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: Chime Financial Inc
State: OH

Complaint narrative:
XX/XX/year> same thing happened last month same XXXX purchaser and I put a block on it and they still got through

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am filing another complaint against Synchrony bank cause earlier this year I made them aware that I was a victim of identity theft and that I was XXXX  from XXXX, they responded that there were no fraud accounts established from XXXX when if you look at page 3 of the doc paperwork I attached in my last complaint you will see I was XXXX  XXXX in between these years several account were established with several different creditors including synchrony bank. I have never done business with synchrony bank and there should not be an any accounts in there system with my social security number. I am attaching my DOC paperwork along with a denial letter I received for a XXXX account I applied for and got denied. my social is XXXX XXXX XX/XX/year>

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 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX, Texas RE : CFPB Complaint Capital One Auto Finance Vehicle : XXXX XXXX XXXX XXXX Loan Balance : {$51000.00} I am filing a formal complaint against Capital One Auto Finance regarding a fraudulent payoff transaction, improper reversal, and failure to notify me, which caused severe financial harm. 
I owned a XXXX XXXX XXXX XXXX financed through Capital One Auto Finance. I owed approximately {$51000.00}. On XX/XX/XXXX, I participated in a XXXX-way recorded call with a Capital One agent and a third-party buyer. During that call, Capital One requested and received the buyers name, address, bank account number, and routing number. Before the call ended, the Capital One agent stated that the payment had been processed. 
On XX/XX/XXXX, I contacted Capital One and was told my loan balance was {$0.00}. I called again and was again told the loan was paid off. I relied on these confirmations. 
On XX/XX/XXXX, the buyer sent an individual to retrieve the vehicle and provided a check for the remaining balance owed to me. While I briefly stepped away to retrieve paperwork and photograph the individuals license, the individual stole my vehicle and fled. 
I later learned the check was fraudulent and that the buyer disputed the payoff with his bank. Capital One reversed the payoff and reinstated my loan balance without notifying me before or immediately after the reversal. Capital One did not instruct me to retain possession of the vehicle or take steps to protect their collateral. 
As a result, I lost my vehicle, {$25000.00} in fraudulent payment, and I am again being held liable for the {$51000.00} loan. I also received written correspondence dated XX/XX/XXXX from Capital One stating my loan was fully paid and lien release was being processed. 
Capital Ones actions created reasonable reliance, and their failure to notify me or protect collateral directly contributed to my losses. 
I request executive-level review, suspension of collection activity, full documentation of the payoff and reversal, and a fair resolution of the financial harm cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I am disputing the handling of my auto loan charge-off. I was delinquent but made a good-faith attempt to cure the account by submitting a {$2000.00} lump-sum payment intended to bring the loan current on XX/XX/year>. I received an email on XX/XX/year>, verifying that my payment had been scheduled. I then received another email on XX/XX/year> that my vehicle payment was successful. Ally returned the payment and subsequently charged off and closed the account on XX/XX/year>. 

I was not offered a reasonable opportunity to reinstate the loan despite my ability and willingness to pay. I am requesting executive review for either reinstatement, a reasonable settlement arrangement, or forbearance to avoid repossession. I am seeking fair resolution due to my documented attempt to resolve the delinquency prior to charge-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Formal Dispute and Demand for Proof of Ownership Account Reference : XXXX Account Ending in XXXX To Whom It XXXX Concern, I am writing in response to your recent correspondence in which you assert that XXXX XXXX XXXX XXXX XXXX ( XXXX ) purchased the above-referenced account from the original creditor and that the account has been verified. 
Please be advised that I dispute the validity and ownership of this alleged debt and formally request strict proof of XXXX  legal standing to collect and report this account. 
Specifically, I am demanding full documentation establishing an unbroken chain of title demonstrating that XXXX has the lawful right to collect on this alleged obligation. This request includes, but is not limited to, the following : A complete Bill of Sale evidencing the sale of the alleged account from the original creditor to XXXX. 
The Assignment Agreement or purchase agreement identifying the transfer of this specific account. 
Proof that the specific account number ending in XXXX was included in the sale, including account-level documentationnot a generic or redacted portfolio summary. 
Verification that the dates and amounts allegedly transferred match exactly with the balance you claim is owed. 
Please note that general statements, internal summaries, or affidavits unsupported by the above documents do not constitute competent proof of ownership. Business records alone, without authenticated transfer documentation identifying this specific account, are insufficient to establish XXXX  legal right to collect or furnish information regarding this account. 
If XXXX is unable to produce the documentation requested above, then the alleged debt is unverifiable, and any continued collection or credit reporting may constitute violations of applicable federal and state law, including but not limited to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
This letter is not an acknowledgment of liability, nor is it a waiver of any rights. All rights are expressly reserved. 
Please provide the requested documentation within the time permitted by law. Failure to do so will be documented accordingly. 
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 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am filing this complaint to dispute an inaccurate and unverified collection account being reported by Jefferson Capital Systems on my XXXX  credit report. 

I have never had any business relationship, contract, or agreement with Jefferson Capital Systems. I did not open an account with this company, nor did I authorize them to extend credit to me. The account is being reported as a collection with a balance of {$9500.00}, yet no proper validation has been provided. 

Additionally, the account lists Terms : 1 Month, which is inaccurate and inconsistent with any legitimate auto or installment financing agreement. This further indicates that the account data being reported is incorrect or fabricated. 

This collection account appeared on my credit report in XX/XX/year>, despite no prior notice, validation, or communication establishing my responsibility for the debt. The reporting of this account caused an immediate and unjustified drop in my credit score. 

I have disputed this account, and Jefferson Capital Systems has not validated the debt as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Continued reporting of unverified information is harmful and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: Paypal Holdings, Inc

Complaint narrative:
" I am filing this formal complaint against PayPal for professional negligence and refusing to update my legal name to match my government-issued ID. Despite submitting my National ID multiple times, PayPal agents refuse to correct my name to its full legal form : XXXX XXXX XXXX XXXX XXXX. Instead, they keep providing misleading information and incorrect name arrangements. This failure has caused a direct financial loss by blocking my payouts from XXXX XXXX XXXX ), which are issued to my legal name. I demand an immediate correction of my full legal name on the system and an investigation into the misleading support I received. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My loans were discharged under borrowers defense as of XXXX. They have them listed as discharged in 2022. This is odd and i don't understand the discrepancy. To the fraudulent school i made a payment of {$70.00} something in order to get my " degree ''. They claimed at the last minute that financial aid didn't cover all the tuition so the XXXX was owed. I have inquired about a refund for this amount and nelnet was suppose to investigate. I've heard nothing nor have i received a refund. My discharge was a group discharge for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Capital One closed all 3 of my credit accounts for " suspicious activity '' even after I verified that I am traveling via phone after they restricted one of my accounts the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Re : Formal Dispute and Demand for Proof of Ownership Account Reference : XXXX Account Ending in XXXX To Whom It XXXX Concern, I am writing in response to your recent correspondence in which you assert that XXXX XXXX XXXX XXXX XXXX ( XXXX ) purchased the above-referenced account from the original creditor and that the account has been verified. 
Please be advised that I dispute the validity and ownership of this alleged debt and formally request strict proof of XXXX  legal standing to collect and report this account. 
Specifically, I am demanding full documentation establishing an unbroken chain of title demonstrating that XXXX has the lawful right to collect on this alleged obligation. This request includes, but is not limited to, the following : A complete Bill of Sale evidencing the sale of the alleged account from the original creditor to XXXX. 
The Assignment Agreement or purchase agreement identifying the transfer of this specific account. 
Proof that the specific account number ending in XXXX was included in the sale, including account-level documentationnot a generic or redacted portfolio summary. 
Verification that the dates and amounts allegedly transferred match exactly with the balance you claim is owed. 
Please note that general statements, internal summaries, or affidavits unsupported by the above documents do not constitute competent proof of ownership. Business records alone, without authenticated transfer documentation identifying this specific account, are insufficient to establish XXXX  legal right to collect or furnish information regarding this account. 
If XXXX is unable to produce the documentation requested above, then the alleged debt is unverifiable, and any continued collection or credit reporting may constitute violations of applicable federal and state law, including but not limited to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 
This letter is not an acknowledgment of liability, nor is it a waiver of any rights. All rights are expressly reserved. 
Please provide the requested documentation within the time permitted by law. Failure to do so will be documented accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sparrow Financial, Inc.
State: TX

Complaint narrative:
Threatened with calls and to pay debt dont belong to me. My information was stolen and abused by someone else. I asked them to remove from my credit report but they keep calling and harassment daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

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 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX- XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: MI

Complaint narrative:
I was submitting a dispute to MOHELA ( XXXX ) to request that the months my loans were placed into administrative forbearance following my income-driven repayment ( XXXX ) recertification be counted toward Public Service Loan Forgiveness ( PSLF ). 
- I am on the XXXX plan. 
- I timely submitted my annual IDR recertification in XX/XX/XXXX. 
- Despite submitting on time, my account was placed into administrative forbearance due to servicer processing, and no payments were accepted during this period. 
- I continued to work full-time for a qualifying public service employer during this time, and thus will be losing over XXXX year of PSLF credit. 

Because this forbearance was not requested by me and occurred solely due to servicer processing delays, it is unfair and inconsistent with PSLF rules to penalize me for months where I was fully eligible and willing to make qualifying payments. 

After XXXX failed attempts of contacting MOHELA, I attempted to submit this dispute through the XXXX XXXX XXXX Ombudsman on XX/XX/XXXX @ XXXXXXXX XXXX but the system returned an error stating it could not accept feedback. Screenshots available upon request.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/year> I had {$940.00} stolen from my chime account XX/XX/year> Called the police to file a report XX/XX/year> called chime to file a dispute on the fraudulent charge XX/XX/year> chime denied my dispute XX/XX/year> called chime and requested a denial letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synovus Bank
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX, This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation