vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: OPTUM BANK, INC.
State: IN

Complaint narrative:
Company : Optum XXXX Issue : Failure to safeguard payment during active bank account update ; financial harm I am filing this complaint regarding a payment processing failure involving Optum XXXX and I initiated a bank account change request and completed identity verification in order to update my direct deposit information over a week before they released this deposit. The only outstanding item was an EFT document. Despite this active update process, no safeguards were placed on outgoing payments. Payment Details : - Payment Date : XX/XX/year> - Amount : {$3600.00} - Case Number ( Optum ) : [ INSERT CASE NUMBER ] XXXX Prior to disbursement, I contacted this company and the insurance payor while the payment was still in pending status and requested that it be held or stopped before release due to issues with the receiving account. No effective action was taken. The payment was subsequently deposited into the original account, which is restricted, causing the funds to be frozen and inaccessible. This has created significant financial hardship, including disruption to my business operations and inability to meet payroll obligations, exposing me to potential legal risk under labor laws. This situation reflects a failure in payment safeguards, as funds were disbursed despite : - An active and verified bank account change request - Advance notice and request for intervention prior to settlement I am requesting : 1. Immediate assistance with ACH recall and reissue 2. A formal investigation into this processing failure 3. Review for financial remediation due to damages caused 4. Implementation of safeguards to prevent this from occurring during account updates I attempted to resolve this directly and now have an active escalation case on file, but I am seeking regulatory review due to the seriousness of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: WA

Complaint narrative:
I am submitting a formal complaint regarding a private student loan issued by Sallie Mae in connection with my enrollment at XXXX XXXX XXXX. I believe I was provided with information prior to enrollment that materially influenced my decision to accept this loan, but which did not accurately reflect the actual structure, timeline, and outcomes of the program. Specifically, I was led to understand that the program would follow a structured and accelerated timeline, allowing for timely completion and transition into employment. However, the actual experience differed significantly due to ongoing delays related to weather, instructor availability, and scheduling constraints. These factors extended the program beyond what was reasonably represented and made timely progression difficult. Additionally, the expectations set regarding career readiness and post-program opportunities did not align with the reality of the training experience. As a result, I am now responsible for a high-interest private loan ( approximately 14.6 % ) with monthly payments around {$900.00}, despite not receiving the outcomes that were reasonably implied at the time I accepted the financial obligation. This loan was issued in direct connection with a training program whose delivery appears to differ materially from the representations made prior to enrollment. Based on this, I believe there may be grounds to review the circumstances under which this loan was originated. I am not seeking to avoid responsibility, but I am requesting a formal review of this matter and consideration of appropriate relief options. These may include restructuring, reduction, or other remedies deemed appropriate based on the findings of your review. I am prepared to provide supporting documentation, including communications, program details, and a timeline of delays and discrepancies, upon request. Thank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable debt reporting by Grant Mercantile Agency for an account originally associated with XXXX XXXX XXXX XXXX. I sent a written dispute and request for validation in XX/XX/XXXX requesting the original contract, full payment history, Date of First Delinquency, itemized balance, and proof of authority to collect. I did not receive a complete response. I then disputed this account with XXXX, XXXX, and XXXX on XX/XX/XXXX. All three bureaus marked the account verified on XX/XX/XXXX despite the lack of complete documentation. The documentation provided consists of billing statements showing monthly charges and XXXX credits but does not include a complete payment history or a clear accounting of how the alleged past-due balance was created. There is no continuous ledger showing how charges became delinquent or carried into default. The Date of First Delinquency has not been properly identified or verified. The date being used appears tied to later account activity, including credits, rather than the initial delinquency. Without a verified Date of First Delinquency, the reporting timeline can not be determined. The balance increased from {$490.00} to {$660.00} without documentation showing that such charges are contractually authorized. The company has also not provided documentation establishing its authority to collect this debt. Because the company has failed to provide a verified Date of First Delinquency, a complete payment history, a valid accounting of the balance, and proof of authority to collect, this account remains unverifiable. I am requesting deletion of this account from all credit reporting agencies if complete documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Hello, on XX/XX/XXXX at XXXXXXXX XXXX I did on cash app and instant transfer to my bank of {$48.00}. it was never transferred to my bank. When I got my transfer ready it said it was going to my debit card ending in XXXX so when I press transfer I went right to my bank and it was never transferred. Then next to my transaction transfer it says a different debit card number. I called Cash app right away and they said it was my responsibility because I hit transfer. I told him my account was compromised and they kept blaming me. I filed a claim with my money and they said they would contact me in 10 days with the decision and they never called me so the XXXX day I called them and they said oh they should have emailed you they sent me the email right away saying they denied me my money back because again it was my responsibility and I hit transfer. I kept telling them that that was not what it said on the screen when I hit transfer that it said it was going into my account or I would have never clicked transfer. I was mad I got nowhere again so I hung up. It's taking me a while I am a full-time mom full-time student in a full-time caregiver of my terminal parent so my investigation dragged a little bit but I went on to investigate myself and saw that it said XXXX under my transfer so I contacted pathward via email and they told me to get the account number routing number and bank Trace number attached to the XXXX ending in XXXX which is where the money was transferred to according to cash app. I called them today on XX/XX/XXXX and they said they can't see any of that only the last XXXX digits of the number XXXX. They denied me the information I was asking and continue to blame me. They said that I have had that debit card attached to my account linked since XXXX... The one the money was transferred to somehow. I only got my first bank account last year so there's no way of that so I asked them do you see any other activity among my account with that same card number and they said no only that XXXX transaction. I proceeded to tell them that my account was compromised again and they were not listening only playing the blame game. It's so obvious that if I've had it linked since XXXX and never use that before that it was never there I never seen that account number on my account ever before and I've used cash app so many times!!! Throughout the years I've had it. My account was compromised and it's scary how unsecure my information and money has been. I got frustrated and hung up because again I was getting nowhere and I was hearing the same things. I want my money back and I want the account number routing number and bank Trace number attached to the card ending in XXXX to get to the bottom of this if anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am filing this complaint regarding a 35 % cash back offer ( {$230.00} value ) for XXXX XXXX that Capital One XXXX is refusing to verify. On XX/XX/year>, I activated the offer and my account logs show a tracked session at XXXX XXXX ( Trip ID : XXXX ). I completed my purchase at XXXX XXXX, but the purchase failed to link to the trip due to a technical tracking failure. Despite providing an itemized receipt and matching timestamps to Senior Management, Capital One refuses to manually reconcile the trip. Instead, they have instructed me to wait until XX/XX/year> for 'merchant verification. ' However, my merchant return window with XXXX XXXX expires before that date. By refusing to confirm the tracking status now, Capital One is intentionally stalling until I am legally unable to return the items, effectively trapping me into a full-price purchase without the promised {$230.00} incentive. I am seeking a manual verification of Trip ID XXXX and immediate confirmation that the {$230.00} reward is being honored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: Klarna AB
State: NC

Complaint narrative:
I am reporting an unauthorized charge of {$5100.00} on my Klarna account that was identified and reported on XX/XX/year>, the same day it appeared. I did not authorize this transaction, have no knowledge of who initiated it, and did not receive or benefit from any goods or services associated with it. I immediately reported this matter to Klarna, as well as to my financial institution and the merchant. My financial institution and the merchant promptly secured my information and took appropriate action. Despite this, Klarna failed to resolve the issue. I also reported this matter to local law enforcement and filed an identity theft report. Since XX/XX/year>, I have contacted Klarna more than XXXX times through both phone and written communication. During multiple interactions, Klarna representatives stated that the charge would be removed and that the matter was being resolved as identity theft. These statements were made repeatedly, including at the conclusion of calls, and were relied upon in good faith. Despite these representations, Klarna took no action to remove the charge. The dispute was ultimately closed without explanation while the unauthorized charge remains active. Klarna has failed to conduct a reasonable investigation and continues to hold me responsible for a transaction that was reported as fraudulent on the same day it occurred. I have taken all appropriate steps to address this matter, including securing my accounts, reporting to law enforcement, filing an identity theft report, disputing with credit reporting agencies, and submitting regulatory complaints. I am requesting the immediate removal of this unauthorized charge, written confirmation that I have no financial responsibility, and correction of any negative credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by SoFi related to my private student loan ( Loan # XXXX ). SoFi is currently reporting my account as delinquent. However, this reporting fails to account for critical facts and is therefore misleading under the Fair Credit Reporting Act ( FCRA ). At the end of 2025, my loan was transferred to SoFi for servicing. Following this transfer : My SoFi online account did not display any active student loan or account information I did not have access to statements, billing details, or payment instructions When I contacted SoFi through their support chat, I was explicitly told that I did not have any open student loans with SoFi I relied on this information in good faith. Based on the absence of any visible loan and the confirmation from SoFis own support channel, I reasonably believed that my loan had been transferred to another servicer. I continued making payments to another servicer during this time. At no point did I intend to avoid repayment of my loan. I made consistent, good-faith efforts to pay what I believed was the correct servicer. Only later did I receive notice that SoFi considered the account delinquent and had reported negative information to the credit bureaus. I submitted a formal dispute to SoFi, including evidence of : Their system failing to display my loan A chat transcript where I was told I had no loan with SoFi SoFi responded by stating that all reporting is valid and accurate, but did not address or acknowledge this evidence in their investigation. Under the FCRA, furnishers are required to conduct a reasonable investigation and must not report information that is incomplete or misleading. Reporting this account as delinquentwithout accounting for the fact that SoFis own system and representatives indicated no loan existedcreates a materially misleading impression. SoFi failed to : Provide accurate account visibility after the servicing transfer Provide correct information through its customer support channel Conduct a reasonable investigation that considers the evidence I submitted As a result, negative credit reporting has been applied in a situation that was directly caused by SoFis own system and communication failures. Desired Resolution : Removal of all negative credit reporting associated with this account Correction of my account status to reflect that the delinquency resulted from servicer error and misinformation Confirmation that SoFi has conducted a reasonable investigation that includes review of my submitted evidence I am willing to resolve the outstanding balance ; however, I am disputing the accuracy and fairness of the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Issue : Unfunded auto loan reported as active ; billing demand ; identity theft following bank error Company : Navy Federal Credit Union Complaint : XXXX XXXX / XXXX XXXX XXXX XXXX approved my granddaughter ( XXXX XXXX ) for a {$10000.00} auto loan on XX/XX/year> and stated a check would be mailed within XXXX days. The check was never delivered. After repeated follow-ups, we were told a replacement was sent via XXXX. On XX/XX/year>, she instead received a XXXX package containing a {$60000.00} draft payable to an unrelated third party. She never received the {$10000.00} loan proceeds. Within days of this error, her accounts were compromised : Unauthorized debit card withdrawals ( financial loss ) Fraudulent credit card charges and account closures As of XX/XX/year> : Loan funds were never disbursed XXXX XXXX is demanding payment ( due XX/XX/XXXX ) A hard inquiry appears on her credit report A {$10000.00} auto loan is being reported as active XXXX XXXX has not corrected the error or responded to escalation requests. This presents ongoing harm : inaccurate credit reporting, billing on an unfunded loan, and potential exposure of personal financial information. Potential violations include : Dodd-Frank Wall Street Reform and Consumer Protection Act ( unfair/deceptive practices ) Fair Credit Reporting Act ( reporting inaccurate information ) Electronic Fund Transfer Act ( unauthorized transaction handling ) Gramm-Leach-Bliley Act ( failure to safeguard customer information ) To prevent loss of the vehicle, I paid {$10000.00} out of pocket. Requested Resolution ( urgent ) : Immediately stop all billing/collections on this loan Remove the {$10000.00} tradeline and hard inquiry from her credit report Confirm in writing the loan is canceled/nullified Reimburse all fraud-related losses Provide a written explanation of the error and data exposure If not resolved promptly, we will escalate to the Nevada Attorney General 's Office.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Kikoff Inc.
State: AR

Complaint narrative:
They reached out to me after i posted a negative review about their product and service. They misrepresented the service offered as it was poised as a LINE OF CREDIT up to XXXX USD only to find out that this is NOT what they offer but some kind of subscription that is allgegdly to build your credit and not a loan or line of credit. I contacted them after recieving their email with their XXXX # and requested the money returned to me that i had invested and they REFUSED. and they have reported this to my credit report as a charge off after they scammed me I only want the money invested and the negative mark removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On or about XX/XX/2026, multiple checks totaling approximately {$52000.00} were issued payable to XXXX XXXX XXXX and XXXX XXXX in connection with a bodily injury claim. I did not endorse, authorize, or consent to the negotiation or deposit of these checks, and I did not receive any portion of the funds. Available documentation indicates that at least one of these checks was deposited into a U.S. Bank account without my authorization. The checks required endorsement from all named payees, which did not occur. I contacted U.S. Bank to request information regarding the account used, endorsement verification, and copies of the negotiated checks. I was informed that no information could be provided because I am not their customer. This raises serious concerns regarding forged endorsement, improper negotiation of jointly payable checks, and failure to verify required endorsements. I am requesting a full investigation, preservation of all records, identification of the account holder, and appropriate action to recover the improperly deposited funds.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I am unable to open a new checking or savings account because of information being reported by Early Warning Services on my consumer file. I have already attempted to dispute this information twice, but it is still being reported without correction, removal, or proper verification. As a result, I am being repeatedly denied when applying for new bank accounts. This has created a serious financial hardship because I am unable to access basic banking services such as direct deposit, debit card use, and everyday financial transactions. I believe the information being reported is inaccurate, incomplete, and/or not properly verified under the Fair Credit Reporting Act ( FCRA ). Despite my previous disputes, I have not received sufficient proof of verification from the data furnisher.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
A debt collector is reporting a collection account on my credit report that has not been properly verified. I requested validation of the debt, but no sufficient documentation was provided. Despite this, they continued reporting the account and used threatening language, including suggesting legal action and damage to my credit if I did not pay. This behavior violates my rights under the FCRA and FDCPA, as the information is inaccurate, unverified, and being used to pressure payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX : Amount : {$7100.00} Reported : XX/XX/year>. XXXX. XXXX XXXX XXXX : Amount : {$17000.00} Reported : XX/XX/year>. XXXX. XXXX XXXX XXXX : Amount : {$9100.00} Reported : XX/XX/year>. XXXX. XXXX XXXX XXXX XXXX : Amount : {$3400.00} Reported : XX/XX/year>. XXXX. Midland Credit Management XXXX : Amount : {$3500.00} Reported : XX/XX/year>. XXXX. Midland Credit Management XXXX : Amount : {$17000.00} Reported : XX/XX/year>. XXXX. Midland Credit Management XXXX : Amount : {$11000.00} Reported : XX/XX/year>. XXXX. Midland Credit Management XXXX : Amount : {$23000.00} Reported : XX/XX/year>. XXXX. XXXX XXXX XXXX : Amount : {$5100.00} Reported : XX/XX/year>. XXXX. XXXX XXXX XXXX : Amount : {$21000.00} Reported : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management failed to dismiss a lawsuit in the XXXX District Court of XXXX XXXX after the debt was satisfied. This is a violation of the FDCPA regarding accurate reporting and fair legal practices. This administrative failure has caused unnecessary legal distress and maintains inaccurate court records

Company response to consumer: Closed with explanation