vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a check from XXXX. who has an account with bank of America. The check was for {$1200.00} issued on XX/XX/year>. Usually this check is mailed out to me every beginning of the month for child support. This particular check was never received. It was stolen and cashed by somebody else that is not me. Bank of America sent a copy of the cashed check, we already confirmed that was not my signature on the endorsement and they stated that they would send me an affidavit so they can continue doing the investigation. Well it has been 2 months. I have called numerous times and asked for this affidavit that never gets sent. I need this money and I don't have a year to wait around and see when they will refund the account. It is the bank 's responsibility to check identification before a check is cashed, and if it was deposited to an account, to find it immediately and take the money back.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have received multiple text message from Southwest Credit Systems that I have a past due balance with XXXX. It is not possible for me to have a debt with XXXX because I have a toll tag on my vehicle and my toll tag shows I have credit sitting on my account and it auto-refills when I get to a certain low balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I bank with Truist bank. I deposited my first paycheck from my new job via the company 's app with mobile check deposit. I was then informed they placed a hold that would take almost XXXX weeks to access my funds. The said my account was in the negative to many times. Which it is now because they froze my money. I need my pay to pay my rent and bills. As well as have money for gas to get to work. I was told to just get a loan to hold me over. Which i was denied for. They have hung up on me multiple times. My credit is now being impacted. I'm having late fees stacking up. And I'm in danger of losing my home and job.

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 2026-03-10 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: NM

Complaint narrative:
Before legal requirements in the state of New mexico I submitted a payment before time alloted to proceed for legal action. I submitted a payment to bring it current before that time Frame. They rejected payment and sent me a check back because it was not full amount. I proceeded and in contact and went to XXXX XXXX. XXXX and everywhere I can submit full payment to be caught up and everywhere denies payment per via consumer. I call and ask what should I do and there response is figure it out and no information is given to me nor there names or anything about it and says it's not there problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EdFinancial Services
State: NY

Complaint narrative:
I don't agree with the amount of interest that was charged on my loans ( both of which I already paid off in full in connection with a refinancing ). I have been trying ( and failing ) to get information about how the interest was calculated as I believe interest was accruing when it shouldn't have been ( related to the CARES Act and XXXX XXXX ). I have called multiple times and am constantly met with delay tactics. I was finally told today ( XX/XX/year> ) that they won't provide me with any such information and that I just have to take their word for it that the interest amount is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
They took out {$1600.00} out of my account on XX/XX/year> and have ruled in my favor to return the money but have still not sent it. They refuse to add it to the account for me to withdraw

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
Affirm previously investigated XXXX unauthorized transactions totaling {$1000.00} on my Affirm XXXX ( XXXX gift cards and Perks at Work ). Affirm determined that I am not responsible for the charges. In its written response to my CFPB complaint dated XX/XX/year>, Affirm stated that a refund would be issued to the original payment method within XXXX business days. The original payment method was my XXXX XXXX XXXX account. As of XX/XX/year>, more than XXXX business days have passed and no refund has been posted to my XXXX account. Affirm has also locked my account, preventing me from verifying activity or sending secure messages. I am requesting CFPB assistance in requiring Affirm to immediately remit the {$1000.00} refund they stated would be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
b'Subject: Notice of Mandatory Procedure Request - FCRA Section XXXX(a)(XXXX)(B)(XXXX)\nTo Whom It May Concern,\nI am writing regarding my recent dispute of the XXXX XXXX account (Account Numbers: XXXX, XXXX, XXXX +XXXX)\nYou recently notified me that this account was "verified" as accurate.\nUnder Section XXXX(a)(XX/XX/XXXX) of the Fair Credit Reporting Act, I am formally requesting a description of the procedure used to determine the accuracy and completeness of the information. Please provide:\XXXX. The business name, address, and telephone number of the person contacted at XXXX XXXX. A copy of the specific documents provided by the creditor that verify the "Balance Updated" date of XX/XX/XXXXand the missing "Original Balance" field.\nFailure to provide this information within XXXX days constitutes a violation of the FCRA. If you cannot provide a human point of contact and verified documentation, this inaccurate and incomplete trade line must be deleted immediately.\nSincerely, \XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: GA

Complaint narrative:
Please see the attached documentation. I have made multi payments on my student loan for over XXXX years and all of the payments have only gone toward interest nothing toward the principal. Original balance {$35000.00} not balance is {$68000.00}. Total amount paid toward this loan as of today is {$110000.00}. How is this possible?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
I was trying to purchase a puppy and the seller would only accept payment via Bitcoin. I paid them over {$2000.00} in fees for the puppy. I was receiving legitimate emails from what looked like to be a real company. Transactions were XXXX XXXX. I filed the claim with CashApp on XX/XX/XXXX they said in 10 days they would contact me and have never heard from them again. I have reached out several times and get no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Due to a glitch in the Fifth Third Bank app, I was incorrectly charged twice for my XXXX mortgage payment. When I contacted them about refunding me the money they told me the only option was to wait 10 business days, at which point they will send me a check refunding me. My mortgage payment is ~ {$4200.00}, which means I am out over XXXX XXXX for at LEAST two weeks, while they send me a paper check like it's XXXX. They essentially refuse to correct the error instantaneously, which they absolutely can do, given their ability to take money electronically. I can't wait two weeks to get those funds back, but apparently I have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, Jefferson Capital Systems I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Jefferson Capital Systems XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I financed a {$9000.00} XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX using an Affirm installment loan. The program was sold as ongoing access to coaching calls, content, and future modules delivered over time. Later in XXXX, the merchant publicly announced that the original program is being retired, will no longer be maintained, and that access will eventually be fully deactivated. Customers were directed to enroll in a different product called XXXX XXXX to retain access, which is a separate program that I did not finance or agree to. On XX/XX/year>, I opened a dispute with Affirm and submitted evidence including the merchants announcement and my signed contract showing the service was intended to be ongoing. Affirm placed the dispute under review and requested evidence, which I provided. Affirm later denied the dispute, stating that the merchant provided compelling evidence, but did not address the central issue that the financed service is being discontinued and future access is being withdrawn while the loan remains active. I am being required to continue making payments for a service that the merchant has announced will be retired and eventually deactivated unless customers join a different product. I am requesting that Affirm properly review this dispute as a discontinued digital service/ non-delivery of future services and adjust or reverse the remaining loan balance accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
I created a new XXXX XXXX account after seeing a promotion offering a {$500.00} advertising credit if a new advertiser spent {$500.00} within the first 60 days. Based on this promotion, I began running advertising campaigns. Between XXXX and XXXX, I spent approximately {$900.00} on XXXX XXXX advertising charges. However, after the spending requirement was met, the promotional credit in my account was marked as invalidated without a clear explanation. I contacted the merchant and requested clarification regarding the reason for the invalidation and asked for a manual review of my account. I also requested that the promotional credit be applied since the required spending threshold had been met. The merchant did not provide a satisfactory explanation or resolution. Because the promotional offer influenced my decision to spend money on the platform, I disputed the related charges through my bank, Capital One. A provisional credit of {$140.00} was initially issued on my credit card dispute but was later reversed after the merchant responded. I also submitted disputes regarding related charges made on my debit card, but I have not yet received a clear resolution. I am requesting a fair review of this matter, as the promotional terms were a key factor in my decision to spend money on the platform and the issue remains unresolved. I request that the dispute investigation conducted by Capital One be reviewed to ensure the decision to reverse the provisional credit was based on a complete and fair evaluation of the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IN

Complaint narrative:
Cease and Desist Letter ( Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number XXXX Original Creditor : XXXX Amount Claimed : {$210.00} To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am writing to formally demand that you immediately cease and desist all further communication with me regarding the above-referenced account or any alleged debt you claim I owe. This letter serves as my written notification that I do not wish to be contacted by your company by telephone, mail, email, text message, or any other means regarding this matter. You are no longer permitted to contact me, my family, friends, employer, or any third party about this alleged debt. Under the FDCPA, once you receive this notice, you may only contact me for the following limited purposes : To confirm that collection efforts have been terminated ; To notify me that a specific remedy ( such as a lawsuit ) is being or will be invoked ; or To advise me that collection activity has ended. Any further communication from you, other than the allowed exceptions above, will be considered a violation of federal law. I will not hesitate to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general, and/or seeking damages in court ( up to {$1000.00} in statutory damages plus actual damages and attorney fees ). This is not an acknowledgment that I owe this debt, nor a waiver of any defenses or rights I may have. I reserve all my rights under federal and state law. Please govern yourself accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
b"Comenity bank capital bank/Ross.\nI called inXX/XX/XXXX to try to make a payment they had phone numbers that do not relate to me. I have no clue where they got the numbers. Log in is impossible due to this fact because it doesn't match my phone number for login online. I called in XX/XX/XXXX and inXX/XX/XXXXeach time I have asked them to fix the account and to issue a new card as I don't not have it in my passion. They said I would receive the card withinXX/XX/XXXXdays it has been XX/XX/XXXX weeks with no new card. I have taken a big hit to my credit for a company that makes it almost impossible to deal with."

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I sold my home. My mortgage was serviced by Shellpoint Mortgage Servicing. On XX/XX/year>, Shellpoint issued an official payoff quote in the amount of {$180000.00}, which was stated to be valid through XX/XX/year>. In reliance on this payoff statement, the title company handling the closing wired {$180000.00} to Shellpoint on XX/XX/year>, which was the valid good through date of the payoff quote. After the payoff quote was issued, Shellpoint internally processed a property tax disbursement from the escrow account, which increased the payoff amount. This transaction occurred after the payoff quote was generated and was not communicated to the title company or to me prior to the payoff payment being sent. Because of this internal escrow transaction, Shellpoint rejected the payoff wire even though it exactly matched the payoff quote that was valid for that day. As a result, I was required to obtain a new payoff quote and resend payment at a later date, which caused additional per diem interest to accrue. This sequence of events resulted in {$490.00} in additional per diem interest being charged. Shellpoint refunded {$70.00}, leaving {$420.00} still outstanding. The payoff payment was sent on the valid payoff date and for the exact quoted amount. The discrepancy occurred because Shellpoint processed an escrow disbursement after issuing the payoff quote. This internal transaction was outside of my control and created a payoff mismatch that could not have been reasonably anticipated by the borrower or the title company. I am requesting reimbursement of the remaining {$420.00}, which represents excess interest incurred solely due to this servicing issue.

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