vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as NATIONAL CREDIT SYSTEM - XXXX, which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
identify you and your account. I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I sent a debt validation request via certified mail to Midland Credit Management on XX/XX/year>. The company received my request but failed to provide any validation of the alleged debt. Despite this, they have continued to report and update the account on my credit report. This continued reporting without validation constitutes a violation of the Fair Debt Collection Practices Act. I am requesting immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had a Cashapp I had stop using for a while and someone hacked in my account. Years later I went back in to try to use and it was cancelled and I never was explained why, and I had no number to call for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: Southern Management Systems Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered collection account listed as XXXX XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
A collection on my XXXX credit report was reverified and updated, but the information reported is inaccurate. The balance being reported contradicts original lease and utility records, which show the account was paid.If a proper investigation was conducted, it would be resolved. This account requires a thorough review and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I took out a personal loan at XXXX website on XX/XX/XXXX in the amount of {$200.00} that when paid off would be a total of {$220.00}. The payments began XX/XX/XXXX in the amount of {$36.00} and would be the same amount on the first of each subsequent month thereafte until XX/XX/XXXX. All payments had been made on time and as normally until XX/XX/XXXX. I was charged in the amount of {$35.00} instead of the usual {$36.00} for that month. On XX/XX/XXXX I went to check the status of my loan and it stated payment failed for XX/XX/XXXX due to insufficient funds. It also stated that they would again try the payment in the full amount on XX/XX/XXXX. Only problem is they already took {$35.00} out my bank account which I have set up for automatic payments, even though the full amount was available in my checking account, which is the same account the automatic payments are set up for. When I emailed them about this, I received an automatic response saying that a team member would be reaching out. They never did. Eventually they did charge me again on XX/XX/XXXX in the same amount of {$35.00}, which caused my account to overdraft. This payment is not even being counted towards the full repayment of my loan as they are treating the charge on XX/XX/XXXX in the amount of {$35.00} as a payment which didnt go through, even though I have bank statements showing I was charged that amount on XX/XX/XXXX and the same amount on XX/XX/XXXX neither of which I got back. Once again the loan status is showing that I did not make the payment for XX/XX/XXXX which is why they charged me twice. I feel cheated and scammed and do not know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding SoFi Banks handling of a fraud claim involving a social engineering scam. Between approximately XXXX, I was manipulated and deceived by an individual by the name XXXX XXXX XXXX XXXX a legitimate contact into transferring a total of approximately {$5500.00} from my SoFi account under false pretenses. The individual provided misleading information and instructions that caused me to believe the transactions were legitimate. These transactions were not truly authorized, as my consent was obtained through fraud and deception. I reported the incident to SoFi promptly after realizing I had been scammed and filed a fraud claim. Despite providing details and supporting information, SoFi denied my claim. I was not provided with a clear or sufficient explanation of how this determination was made, nor what evidence was used to conclude that the transactions were authorized. I requested additional information and a reinvestigation, but SoFi has not adequately addressed these concerns. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am requesting that SoFi : Conduct a full and reasonable reinvestigation of my claim Provide a detailed explanation of their decision, including the evidence relied upon Reconsider reimbursement given the fraudulent and deceptive nature of the transactions I have documentation of communications with the scammer and transaction records to support my claim. I believe SoFi did not properly evaluate this case as unauthorized activity resulting from fraud, and I am requesting assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Earnest Inc.
State: FL

Complaint narrative:
I am filing this complaint against Earnest/XXXX XXXXgarding a private student loan I was pushed into through XXXX 's predatory consolidation practices during a period of documented financial hardship. When I contacted XXXX unable to afford my payments, I was told consolidation was my only option. I was never informed of income-driven repayment plans or Public Service Loan Forgiveness eligibility . Under financial duress and with no alternatives presented, my federal loans were converted to private loans through XXXX, now serviced by Earnest, permanently stripping me of all federal protections. I have been making payments for years with XXXX percent principal progress. My original principal was {$24000.00}. My unpaid principal today remains {$24000.00}. Thousands of dollars in payments have been absorbed entirely by interest with no reduction in what I owe. My current variable APR is 6.02 % and my estimated payoff date is XXXX. At no point has Earnest offered meaningful solutions, hardship options, or any path to principal reduction despite years of on-time payments. I am also filing a separate complaint against XXXX for the original consolidation steering. Earnest as the current servicer has an obligation to address the predatory loan structure they are actively profiting from and to offer legitimate hardship or restructuring options to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint against a collection agency that is reporting an alleged debt on my credit report without properly validating it. On or about the dates of XX/XX/XXXX, LVNV FUNDING LLC, the amount is XXXX on XXXX, LVNV FUNDING LLC XX/XX/XXXX, the amount is XXXX on XXXX, and on XXXX, XXXX, XXXX, and on XXXX XXXX LVNV FUNDING LLC XXXX THE Amount is XXXX XXXX and XXXX on XX/XX/XXXX I formally requested validation of this debt from the collection agency. To date, I have not received any documentation or proof that this debt is mine, as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite failing to provide validation, the collection agency continues to report this account to XXXX XXXX XXXX XXXX. This is concerning, especially since this account is not being reported on the other major credit bureaus, raising questions about the accuracy and completeness of the information being reported. Under the FDCPA, once a consumer requests validation, the debt collector must cease collection activity until proper verification is provided. Continued reporting of this account without validation constitutes a violation of federal law. I am requesting the following : Immediate investigation into this matter Proof of validation of the alleged debt Immediate removal of this account from my credit report if validation can not be provided Confirmation that all collection activity and reporting will cease until proper validation is completed I believe my consumer rights are being violated, and I am requesting that this matter be resolved promptly. Sincerely, XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: PA

Complaint narrative:
Saw this negative mark by XXXX XXXX on my XXXX report one day. I never received a XXXX XXXX XXXX. I send a debt verification letter in XXXX of XXXX. They never responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
So Between the years XXXX and XXXX JP Morgan Chase were making overdraft excessively to my account accusing me of fraud when in fact I will make I was making normal deposits from the gambling games borgata, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
My mortgage servicer, Lakeview Loan Servicing, offered me a forbearance plan that was verbally explained as adding my missed payments to the back end of my loan. I was not told this was a forbearance that would require repayment. I relied on that explanation in good faith. As a result, the payments accrued and I am now being required to pay {$6100.00} as an entry payment into a repayment plan, with a total arrearage of about {$12000.00}. I am a single parent with a toddler in the home. I believe I was misinformed about the terms of my plan and I am requesting Lakeview review my account for a loan modification or alternative loss mitigation options that reflect the original terms as they were explained to me.

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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I lost my debit card and ordered a new in early XXXX, XXXX. I did receive the new card. All I need Bank of America to do is ACTIVATE my new debit card. And. To send the new PIN to me. I have not received a thing from the bank. When I call the number they provided. All I get is robots saying my card is activated. It is not. I can not buy my medicines now. All my SSD and SSI disability funds are locked up in this account. I am diabetic and could die without my medicine. Bank of America refuses to fix it. Can you please help me to fix this horrible 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
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year> I paid {$520.00} USD to XXXX seller XXXX for an XXXX XXXX XXXX XXXX dental furnace ( Transaction ID : XXXX ). The seller deliberately provided a wrong shipping address. XXXX XXXX XXXX shows delivery to an address that is NOT mine. The seller coordinated with someone at that wrong address to receive the package. I opened a dispute with XXXX ( case XXXX XXXX but XXXX closed it in favor of the seller without verifying that delivery was made to the correct address. I never received the item. I noticed the irregularity from day XXXX, but my alerts weren't answered in time, and now the seller sends proof of delivery and wins the case. In the photos you can see how I filed the alert and wrote to the seller, but he never responded to my messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am filing this complaint regarding a serious case of identity theft and account takeover involving my Chime account. While I was incarcerated, an unauthorized individual gained access to my account and changed my email address and phone number without my permission. This action completely locked me out of my account and prevented me from monitoring or stopping any activity. During this time, over {$15000.00} in unauthorized transactions were made from my account. I had no access, no control, and no ability to authorize or prevent these transactions. I reported this to Chime and clearly explained that : My account was taken over My contact information was changed without authorization I was incarcerated at the time and could not have made these transactions Despite this, Chime denied my claim, refused to provide provisional credit, and attempted to close my account before properly resolving the fraud investigation. Additionally, I experienced poor handling of my case, including being transferred multiple times, denied access to a supervisor, and ultimately being disconnected while attempting to resolve the issue. This situation falls under unauthorized electronic fund transfers as defined by Regulation E. I am not liable for these transactions, and the financial institution has a legal obligation to conduct a proper investigation and reimburse unauthorized transfers. I am requesting the following : 1. Immediate reopening of my fraud investigation as an account takeover case 2. Full reimbursement of all unauthorized transactions totaling over {$15000.00} 3. Written explanation of the initial denial 4. Confirmation that my rights under Regulation E are being honored 5. Assurance that my claim will be properly investigated regardless of account closure I have supporting documentation, including proof of incarceration and evidence of account changes, and I am prepared to provide it upon request. This matter is extremely serious and requires immediate attention. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX Apple Card XXXX Goldman Sachs I am filing a complaint regarding my Apple Card account and the handling of a merchant refund dispute. In XX/XX/year>, I made a purchase totaling {$1400.00} with XXXX XXXX ( XXXX, XXXX ) using my Apple Card. The charge was processed using a virtual card number generated by Apple Card. Shortly after the transaction, I canceled the denture services and requested a full refund from the merchant. The merchant has acknowledged that a refund is due but is refusing to process it unless I provide the exact virtual card number used in the transaction. Apple Card policy does not allow me, as the cardholder, to access or retrieve the full virtual card number used for past transactions. Despite this, Apple Card has declined my disputes and has not provided a workable solution. This places me in an impossible situation where : - The merchant refuses to issue a refund without the virtual number- Apple Card refuses to provide the virtual number or facilitate the refund, though they have indicated that the merchant can process the refund to the physical card number na that it will route to the correct account. - I am left without the product or my funds Apple Card, through Goldman Sachs, has full visibility into the transaction and the virtual card number used. They should be able to : - Identify the transaction and associated virtual number internally - Facilitate or force the refund through the chargeback process - Provide an alternative resolution that does not require disclosure of restricted card data I am requesting that Apple Card/Goldman Sachs : - Reopen and properly investigate my dispute - Facilitate the refund directly with the merchant - Credit my account for the full amount of {$1400.00} if the merchant continues to refuse cooperation This situation represents a failure in dispute resolution procedures and leaves the consumer unprotected despite clear entitlement to a refund. I am requesting immediate intervention and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I was supposed to receive my regular direct deposit but it never came. So I called cashapp support and filed a complaint with XXXX agent, then I spoke to another agent and after that XXXX more agent but the last agent told me the truth which was Cash App had a system failure and they were not trying to tell the customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I entered into a solar panel loan agreement believing it would significantly reduce or eliminate my electric bill. The sales representative made clear promises that my electricity costs would be minimal and that incentives or savings would offset the loan. These representations were misleading and not accurate. Since installation, I am still receiving high electric bills in addition to the monthly solar loan payment, which has created a significant financial burden. The total cost of the system appears to be much higher than originally presented, and I was not clearly informed about dealer fees, interest costs, or the true total loan amount. I have attempted to contact the company multiple times to resolve these issues, but I have not received a satisfactory explanation or solution. The situation has caused ongoing financial stress and hardship. I believe I was misled during the sales process and that key financial details were not properly disclosed. I am requesting a full review of this loan, including the total cost, fees, and representations made at the time of sale. I would like a resolution that may include adjustment of the loan terms, removal of inflated fees, or other appropriate relief.. I was pressured to sign quickly without time to fully review the agreement. The expected tax credit or incentives were not properly explained or did not materialize as promised.

Company response to consumer: Closed with explanation