vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I have automatic payments set up with this company, they are taking out the payments and then sent a garnishment to my employer. I have tried contacting them 17 times and they will not answer or return my calls. There is no way for me to stop the automatic payments with out speaking with someone and time is running out on when the garnishment is suppose to start. I had a third party taking care of my debts however they would not work with them. The 1 time the case worker actually answered my call, she told me she could not speak with me because I was represented by another company. So I terminated the other company and since then, XXXX XXXX will not answer my calls and no one else will help me because they say it has to be her. The amount they say in the garnishment that is owed is not even the correct amount but again, they will not answer calls. Also since they have been taking auto payments, that amount is not correct anyway you look at it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 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: NC

Complaint narrative:
XXXX I had some clients tell me that they were trying to send my payments and their payments kept being returned to them. I then realized my Cashapp account was closed, without any prior knowledge, saying I violated terms and conditions. I filed an appeal and it was denied. Today, XX/XX/XXXX, I responded to the email, stating the decision, asking what violation did I commit since I had been using cashapp for the same purposes for years. I received a return email saying the email address I was writing was incorrect. I contacted cashapp via phone and the representative kept repeating himself saying the decision was final and he couldnt tell me what the violation was. So now my account is gone alone with my client contacts and money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
I am submitting this complaint as a follow-up to a previous complaint filed on XX/XX/XXXX regarding my XXXX reconsideration/buyback request. I submitted my reconsideration/buyback request over a year ago and have not received a determination. On XX/XX/XXXX, I received a response from Federal Student Aid stating that my case ( # XXXX / # XXXX ) is Escalated and Under Review. However, I was also informed that they are unable to determine what is currently required or what next steps are needed, and that they are unable to expedite the process. I have made multiple attempts to obtain information, including requesting a status update, timeline for processing, and clarification on how my buyback amount will be calculated. I have not received clear answers or a timeline for resolution. Due to this extended delay, policy changes have occurred that may significantly increase the amount I would be required to pay under XXXX buyback compared to when I originally submitted my request. This delay is entirely outside of my control and is now causing financial harm. I am requesting : Immediate review and resolution of my case Clear guidance on how my buyback amount will be calculated Consideration of applying the rules in place at the time of my original submission due to the excessive delay I have made good faith efforts to comply with all requirements and timelines and am seeking a fair and timely resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
In XX/XX/year>, my solar loan was paid in full as part of my property closing. The payoff amount was processed to satisfy the loan and ensure the account would be fully closed. However, after the closing, the company reported that an automated payment attempt from XX/XX/year> was returned in late XX/XX/year>. As a result, they claim a remaining balance of approximately {$190.00} plus interest. This balance is not my responsibility. The loan had already been paid off during the closing process, and any internal processing issue related to a returned payment should have been resolved by the company without affecting my account status. As a result, the loan has not been properly marked as closed. This is affecting my property title and financial standing. I have contacted the company directly to resolve this issue, but the matter remains unresolved. I have also filed a complaint with the Florida Department of Financial Services, and the issue is still ongoing. This situation reflects improper loan servicing and failure to close a paid account properly. I am requesting that the company immediately correct the balance to {$0.00}, properly close the account, and provide written confirmation that no XXXX or obligation remains on my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: DE

Complaint narrative:
On XX/XX/year>, I received an email from Adler Wallach and Associates ( AWA Collections ) attempting to collect an alleged debt of {$410.00} for a storage unit ( XXXX XXXX XXXX XXXX XXXX Account XXXX ). On XX/XX/year>, within XXXX hours, I sent a written debt validation request via email pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 1692g, requesting itemized charges, the original creditor information, a copy of the signed agreement, proof of authorization to collect, California collection license, and verification that the statute of limitations had not expired. Instead of providing any of the requested validation, AWA responded with a generic onboarding email encouraging me to make payments and set up a payment plan. None of the XXXX requested items were addressed. Under FDCPA Section 1692g ( b ), upon receipt of a timely validation request, a debt collector must cease all collection activity until validation is provided. AWA 's payment solicitation email constitutes continued collection activity in violation of this requirement. On XX/XX/year>, I sent a follow-up demand via email and USPS XXXX XXXX reiterating my validation request and demanding that AWA cease all collection activity and refrain from reporting this disputed debt to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital Systems LLC/ {$1300.00} My paychecks were recently garnished without me being legally notified. I received the debt collector name and total amount from my employer. When I finally got through to the company, Jefferson Capital I asked who they were collecting for. They indicated that it was regarding a debt from 12 years ago. I've never received information from them since with the exception of a letter in 2016 which I did not reach out to them regarding this letter. I was never served, contacted, nor did I have the opportunity to understand the details of the debt prior to being garnished. The phone call I made to Jefferson Capital was abrupt, noninformative, confrontational and the representative was extremely limited on any information and very rude. Collecting a debt when it's outside of it's statute of limitations is more than concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/year> RE : Formal Dispute ILLEGAL REINSERTION WITHOUT NOTICE XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX ) To Whom It May Concern, I am writing to formally dispute the collection account from Spectrum in the amount of {$180.00}. This item was previously disputed and deleted from my credit report because the claim was invalid. I cancelled my services multiple times via phone, yet XXXX continued to erroneously charge me. This item has now been illegally re-inserted into my credit file in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ). Specifically : 1. Failure to Notify : Under federal law, a consumer reporting agency MUST provide written notice to the consumer within five ( 5 ) business days of reinserting previously deleted information. I never received this mandatory notice. 2. Lack of Certification : I demand to see the " Certification of Accuracy '' that the furnisher was required to provide you before this item was re-added. 3. Invalid Debt : As stated in my previous successful dispute, I do not owe this debt. The charges occurred months after my documented cancellation calls. Because I C SYSTEM INC failed to follow the mandatory notice procedures required by the FCRA, this item must be permanently deleted immediately. Please send me a confirmation of this deletion and an updated copy of my credit report within 30 days. 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 explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally document a concern regarding recent communication from your office. I have received multiple phone calls from a representative identified as XXXX XXXX, during which I felt I was being harassed and threatened. Specifically, I was told that I could face legal action or even jail over an alleged debt of {$390.00}. This communication has caused me significant distress. I want to be clear that I attempted to resolve this matter in good faith by offering a settlement of {$100.00} ; however, this was refused, and the tone of the conversation became increasingly aggressive and threatening. I am requesting the following : Written verification of this debt, including its origin and breakdown That all future communication be conducted in writing only That no further threatening or harassing language be used in any communication Please be advised that I am aware of my rights under the Fair Debt Collection Practices Act, and I will consider filing a formal complaint with the appropriate regulatory agencies if this behavior continues. I would like to resolve this matter respectfully and professionally. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 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: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I am filing a complaint regarding delays in the processing of my Public Service Loan Forgiveness ( PSLF ) buyback request and the lack of resolution through StudentAid.gov. I completed 10 years of qualifying public service and submitted my PSLF application in XX/XX/XXXX. At that time, I had reached the required 120 qualifying payments. However, because I was enrolled in the SAVE repayment plan, 2 of my payments were not counted toward PSLF eligibility. To resolve this, I submitted a PSLF buyback request in XX/XX/XXXX to receive credit for those 2 months. As of today, my request remains unprocessed, and I have not been provided with a clear timeline or meaningful updates despite multiple attempts to follow up through StudentAid.gov. This delay is causing significant concern, particularly because the SAVE program is expected to end in XX/XX/XXXX. I may be required to resume monthly payments on loans that should already qualify for forgiveness once my buyback request is processed. I am requesting that this matter be reviewed, that my buyback request be processed promptly, and that I be provided with a clear and accurate timeline for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank has directly violated my legal rights by refusing to release funds from a state government-issued check deposited into my Demand Deposit Account ( DDA ). Despite the issuing agency in Alabama verifying the check, the bank continues to block access, citing internal policies, account age, or out-of-state processing none of which legally justify withholding funds. By ignoring federal law under Regulation CC/ the Expedited Funds Availability Act, they are denying me on-demand access to my own money, abusing their internal authority, and obstructing accountability by refusing to escalate the matter to a Funds Availability Officer or Compliance Department and even if i did get transferred all they did reread the same script and ease drop on me while on hold, like they said they put me on hold whole time they was never putting me on hold, very lazy people working around my credentials. This arbitrary and vindictive behavior not only prevents me from using my legally deposited funds, but also causes undue stress and financial harm, forcing me to expend significant time and effort simply to enforce rights that are guaranteed by law. Huntingtons actions constitute a clear violation of federal law, disregard for verified documentation, and obstruction of my access to legally available funds.Not to mention the dismissive and unprofessional attitudes of the staff, who have treated me as if my repeated calls are a nuisance, while collectively failing to resolve the ongoing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Brett M. Borland, P.C.
State: TX

Complaint narrative:
I am submitting an update regarding ongoing harassment and threatening behavior from a debt collector associated with my account. The individual involved is XXXX XXXX from the XXXX XXXX XXXX XXXX ( believed to be based in Georgia ). Since approximately XX/XX/year>, I have experienced repeated aggressive and intimidating communication from this individual. During multiple phone calls, XXXX XXXX has made statements indicating that my account would be turned over to an attorney, and has repeatedly used threatening language. On at least one occasion, she implied that I could face legal consequences such as being sued or even jailed. These statements were made despite my active efforts to resolve the matter. I want to clearly state that I have not refused to pay this debt. I have made payments totaling approximately {$100.00} so far and have attempted to negotiate a reasonable settlement and payment plan based on my current financial hardship, as I am currently unemployed. Despite my willingness to cooperate, XXXX XXXX has been dismissive of my situation, unwilling to consider reasonable offers ( including a {$100.00} payment proposal ), and has continued to communicate in a hostile and threatening manner. Her tone and behavior have made it extremely difficult to have a productive conversation or reach a resolution. I believe this conduct may violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : * Use of threatening and intimidating language * Misrepresentation of legal consequences ( including threats of jail ) * Harassing and repeated communications Additionally, I dispute the underlying charges related to my previous apartment ( XXXX XXXX ), as I was charged approximately {$500.00} without sufficient evidence or documentation of damages. This matter was transferred to collections, which led to my interaction with this law office. I am requesting the following resolution : * Immediate cessation of threatening and harassing communication * Written communication only going forward * Verification and documentation of the alleged debt and charges * Consideration of a reasonable settlement or payment plan based on my financial situation * Assurance that no misleading or unlawful threats will be made in future communications I am willing to resolve this matter in good faith, but I expect to be treated fairly and in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XX/XX/year> Subject : Complaint Regarding Collection of Time-Barred Debt Dear Sir or Madam, I am submitting this complaint regarding a debt that I paid without being properly informed that it was beyond the applicable statute of limitations. I now believe I was misled and unfairly induced into making payment on a time-barred debt. The account in question was already past the legal statute of limitations for collection at the time I was contacted. However, the creditor/collector failed to clearly disclose that the debt was time-barred and that I was under no legal obligation to make payment. Had I been properly informed of my rights, I would not have made any payment on this account. I believe this may constitute a deceptive, unfair, and/or abusive practice under the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. Collectors are required to provide clear disclosures when attempting to collect on time-barred debt, and failure to do so misleads consumers into reviving or paying debts that are no longer legally enforceable. As a result, I am requesting the following : 1. A full investigation into the actions of the creditor/collection agency 2. Documentation proving that proper disclosures were provided prior to payment 3. Consideration of a refund of the amount paid, due to lack of informed consent 4. Correction or deletion of any related negative reporting on my credit file I respectfully request that this matter be reviewed and that appropriate action be taken to ensure compliance with federal consumer protection laws. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Activehours
State: AZ

Complaint narrative:
I had started signing up for an account with said company earnin they said I can not complete since my XXXX has an account. I stated to the best of my knowledge she does not while digging into this they said she had XXXX tied to XXXX XXXX but somehow their system flagged on my XXXX XXXX account showing her name as well to which I stated that is fraud and they can not do that seeing as how the account was chase and not my financial institution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Before closing my account, I spoke directly with both agents and a manager and made it absolutely clear that I wanted to resolve everything in full. I had been dealing with an unresolved dispute for over a year, during which I repeatedly provided documentation, follow-ups, and proof of returned merchandise. Despite my efforts, the issue was never properly resolved and I ultimately lost over {$600.00} in that process. Due to the ongoing confusion, lack of organization, and repeated requests for the same information, I decided to close the account. Before doing so, I specifically asked the representative and manager to confirm that my balance was fully paid and that I would not owe anything further in the future. I relied on their confirmation, paid the full amount requested, and the account was closed. Now, several months later, I am being contacted and told that I owe approximately {$5.00} due to interest or fees that were never disclosed at the time of closure. This is unacceptable. After already losing a significant amount of money and time due to poor handling of my dispute, being contacted again for a minimal and undisclosed charge feels like an abuse of the system. I am requesting a full and detailed explanation of how this balance was generated after my account was confirmed closed and paid in full. I also request written confirmation that no further charges will be applied and that this matter is permanently resolved.

Company response to consumer: Closed with monetary relief