vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing two collection accounts being reported by Credit Collection Services ( The CCS Companies ). I do not recognize these debts and have not been provided sufficient documentation to validate them.

The accounts are reported as follows : Collection account opened XX/XX/XXXX in the amount of approximately {$1100.00} with original creditor listed as XXXX XXXX XXXX 
Collection account opened XX/XX/XXXX in the amount of approximately {$280.00} with original creditor listed as XXXX I previously attempted to obtain information and clarification regarding these accounts but did not receive adequate documentation demonstrating that the debts are accurate, complete, or properly substantiated.

Because of this, I believe the information being furnished to the credit reporting agencies may be inaccurate or unverifiable. Under the Fair Credit Reporting Act, only information that is fully verified and accurate may be reported.

I am requesting that the furnisher conduct a thorough investigation and provide proper validation of the alleged debts. If the accounts can not be verified with competent evidence, I request that they be deleted from my credit report.

I also request confirmation that any reporting complies with the Fair Debt Collection Practices Act and that no further collection activity occurs without proper validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: MO

Complaint narrative:
I have been trying for over two months to transfer the money from this account to my XXXX  XXXX XXXX  account and they Have made one excuse after another about releasing the funds and now they have completely locked me out of the card. Everytime I call I am on the phone/hold for at least 2 hours and they will not release this money which is over {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 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:
Tha Calls acting law suit agents Cash app for not tell the truth about using cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I'm trying to file a complaint for the settlement for Cashapp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
On XX/XX/year>, my XXXX XXXX stole my credit card and made multiple unauthorized transactions on my credit card without my permission and maxed out the card of {$20000.00}. Which caused me to be in credit card debt. I did call Navy Federal on XX/XX/year> to report fraud on my credit card. The bank only gave me temporary credit for the charges in the total of over {$8000.00}. 2 weeks later on XX/XX/year>, the bank reversed the charges on my credit card saying the card was not fraudulent and I am responsible for the charges. I did appeal the decision and I got declined. I called the bank again at the end of XX/XX/year> to explain that the charges were unauthorized and I couldn't make payments. The bank replied that I am responsible to the charges and I have to make payments to the credit card and closed my credit card account on XX/XX/year>. It is impossible to make payments when I can't login to the account and my credit card account being closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: OH

Complaint narrative:
Attempted to make a purchase on XX/XX/year>, cashier missed a coupon and voided the transaction. 

When attempting to make the second purchase, there was no available funds. I was told by MyPaymentVault to wait 14 days. Then after 14 days was informed to wait longer. 

I was eventually, after several attempts, sent a non-editable PDF file to fax. 

I do not own a printer, and XXXX 's charged me {$8.00} to print and fax the forms. I did so out of spite. 

They are now saying they did not receive it, and to do it again. They continuously end calls and chats, and just tell me to fill out the form and fax it again as it's " All they can do ''. 

Ref XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: NE

Complaint narrative:
I had received a letter in the mail from a debt collector. Claiming I owe a XXXXXXXX XXXX gas bill for a home in XXXX XXXX. When I dont even live in XXXX  XXXX live in XXXX  XXXX I have never had a rental property in XXXX XXXX  I believe this is a result of identity theft someone had used my information to purchase the gas bill for the property in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I calculated at XXXX years interest free I would need to make {$75.00} a month payments. I have XXXX  months interest free I believe my balance should be at {$750.00} because there was no interest for XXXX years. {$75.00} a month for XXXX  months so the balance should be around {$750.00} for a washer and dryer. The Home Depot Citi Bank credit card is only good at XXXX XXXX. I just bought a washer and dryer.

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 2026-02-22 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am disputing {$4600.00} in unauthorized XXXX charges that appeared on my American Express XXXX XXXX XXXX XXXX XXXX I did not authorize these charges, and XXXX has refused to provide any documentation showing toll usage, timestamps, invoices, or proof of authorization. 
I attempted to dispute these charges with American Express. Amex initially issued a provisional credit and then removed it. When I attempted to reopen the dispute, Amex repeatedly misclassified it as a fraud case instead of a billing dispute for unauthorized use of stored card credentials. Because of this misclassification, Amex representatives and supervisors told me they could not attach my written statement, could not reclassify the dispute, and could not request documentation from the merchant. 
I submitted a written statement through the Amex app explaining that I did not authorize these charges and that the merchant refused to provide documentation. Multiple Amex representatives acknowledged the statement but said they could not attach it because the system had locked the dispute into the fraud workflow. I was repeatedly transferred between departments, including fraud, even after explaining that this is not an identitytheft case and does not require a police report. 
As a result, I have been unable to file a proper billing dispute, and Amex has prevented me from exercising my rights under the XXXX Credit Billing Act. I am requesting that American Express XXXX XXXX XXXX reopen this as a billing dispute, attach my written statement, request documentation from XXXX, and reverse the charges if the merchant can not provide valid proof of authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: IL

Complaint narrative:
I got a money network XXXX XXXX XXXX for my pay roll money to be sent to it. I got a pay of {$26.00} dollars and a payment of {$120.00}. I didnt get my payment of {$91.00} dollars

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Citibank. 

The creditor issued me a Form XXXX, Cancellation of Debt, indicating that they cancelled and forgave the alleged debt and reported the cancellation to the Internal Revenue Service XXXX By issuing XXXX XXXX, the creditor has formally declared that this debt is no longer owed. 

However, despite issuing the Form XXXX, the creditor continues to report an outstanding balance owed on my credit report. This is inaccurate, misleading, and contradictory to their own filing with the Internal Revenue Service. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Reporting a balance owed on a debt that has been cancelled and forgiven is inaccurate and misleading. 

This inaccurate reporting is harming my credit profile and my ability to obtain credit. 

I am requesting the following resolution : XXXX. Immediate correction of the account balance to reflect {$0.00} owed, or XXXX. Complete removal of the account from all credit reporting agencies if accurate reporting can not be verified, and XXXX. Written confirmation that the creditor will cease any reporting of a balance owed on this cancelled debt. 

This creditor can not lawfully report a balance owed while simultaneously reporting to the IRS that the debt was cancelled. 

I request that the CFPB investigate this matter and require the creditor to correct or remove the inaccurate information immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I sent a written dispute and debt validation request to Scott & Associates , P.C . via certified mail on XX/XX/year>. The letter disputed the alleged debt, requested documentation supporting the balance, and instructed that all future communications be in writing only. XXXX confirms delivery on XX/XX/year>. 

Despite receiving this written notice, Scott & Associates began placing collection calls on XX/XX/year> and continued calling afterward from numerous different telephone numbers. These calls occurred after my written instruction limiting communications to writing only. 

On XX/XX/year>, XXXX XXXX XXXX sent a written response referencing a specific court case and stating the balance was due and owing. However, the referenced court case had already been dismissed prior to the date of this letter, as confirmed by official court records. 

Collection calls continued after this response and after my written dispute and communication restriction. A total of XXXX calls were received after written notice, including repeated same-day calls from multiple originating numbers. 

I am requesting review of the continued call activity after written dispute and the use of a dismissed court case reference in collection communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
After multiple assistance applications being submitted and rejected as incomplete I filed a complaint. They reopened my most recent application and flagged it as complete and rescheduled my foreclosure from XX/XX/26 to XX/XX/26 in order to review my application. Its has been over XXXX  days and they have not completed my review but still havent scheduled for a foreclosure sale on XX/XX/26. I have asked over and over about this and they say that all foreclosure actions have been paused but will not provide me any documentation to substantiate this. I have a feeling their plan is to deny me at the last minute in order to not allow me to file bankruptcy in time to save my home. They have been vague and have drug out this process longer than necessary.

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 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Hello, My account remains under active review with the Consumer Financial Protection Bureau and the Georgia Attorney Generals Consumer Division. Since my initial settlement request, I have made an additional payment in good faith, and another payment is scheduled to process on the XXXX. I am requesting written confirmation that this payment will be considered my final payment, that my account will be closed with a XXXX balance, that I will retain possession of the furniture, and that no negative credit reporting will occur. I do not agree to the proposed early payout option XX/XX/year> as it would still result in substantial overpayment given that I have already paid approximately {$5000.00} on furniture that originally cost {$3000.00} and currently has a market value of {$1900.00}. Please confirm this resolution in writing. 

Thank you, XXXX XXXX [ XXXX ] ( XXXX  : XXXX ) ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I was coerced to getting a myLowea credit card, I did not know who the lender was. I found it was Synchrony bank. 

I was not provided the credit terms in the store when I applied. It wasnt until after I had made several purchases that I was sent a billing statement from XXXX bank. 

The interest rate is 39.98 % I am being charged {$100.00} in fees every month. I have not missed a payment. YTD they have charged me {$240.00} in fees, and $ XXXX in interest on a {$4000.00} balance that will never go down. 

Each month I pay {$200.00} ( minimum ) and the balance remains the same. XXXX  is applying the payment 100 % to fees an interest at the end of the day. 

For me to start even possibly paying down the principle I have to pay in excess of {$320.00} each month on a XXXX XXXX credit balance. This is predatory and nor was I provided these disclosures when I applied for the card in the store.

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 2026-02-22 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: NY

Complaint narrative:
On XX/XX/year> I used XXXX XXXX for some items I purchased from XXXX XXXX  which I did indeed purchase and I paid it all off on XX/XX/year>. But also on XX/XX/year> I received a notice from XXXX XXXX that a new payment will be due for a purchase from XXXX XXXX, which I DID NOT PURCHASE. I immediately contacted them to disput this purchase, said they would investigate and immediately came back to me saying that purchase was connected to my account. I called them again and spoke to a XXXX XXXX who said he would put a hold on my account while they investigate. I did receive a email from him on XX/XX/year> stating what he will be doing. XXXX XXXX continues to send me notices to authorize payment and have threatened me with a third party collection agency and will ruin my credit. Called them again today on XX/XX/year> to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NY

Complaint narrative:
Well my aunty that died used my social security number without my consent and y'all should have did more investigation on the matter on just hearing someone social security number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a XXXX Texas resident and a victim of a SIM-swap identity theft that occurred on XX/XX/2025. This complaint is against Capital One for their failure to comply with Federal Regulation E. On XX/XX/XXXX, hackers performed unauthorized internal transfers between my accounts before wiring funds to an external bank ( XXXX XXXX ). 
The total amount illegally transferred was {$6500.00}. 

You will find the complete detail in the document uploaded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
I am submitting this complaint against Aldous & Associates , PLLC for violations of the Fair Debt Collection Practices Act ( FDCPA ). 
I previously sent this company a written cease-and-desist notice instructing them to stop all communication with me regarding an alleged debt. Despite receiving this notice, the company continued contacting me. Under 15 U.S.C. 1692c ( c ), a debt collector must cease communication after receiving written notice except for limited lawful purposes. Their continued contact exceeds those legal exceptions and constitutes unlawful collection activity. 
Their actions demonstrate disregard for federal consumer protection laws and have caused me distress, inconvenience, and harassment. I have retained records of these communications as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I am formally disputing the deficiency balance currently being reported and/or collected by Ally Financial related to my prior auto loan. 
During the relevant timeframe surrounding the vehicle default and repossession period, I was experiencing a documented acute XXXX XXXX crisis involving XXXX. I was subsequently XXXX  for approximately XXXX months and under active XXXX XXXX and XXXX. 
Due to the severity of my condition and my custodial status, I was not in a functional position to reasonably manage, respond to, or address the account during this period. I have attached medical and custodial documentation supporting this timeline. 
At this time, I am requesting that Ally Financial provide the complete repossession and post-sale accounting for this vehicle, including but not limited to : Date of repossession Date and method of sale ( public auction or private sale ) Gross sale price obtained Itemized list of all fees and charges added ( repossession, storage, auction, legal, interest, and any other costs ) Explanation of the deficiency balance calculation Copies of all pre-sale and post-sale notices allegedly sent, including the addresses used and dates mailed Given the documented medical crisis and period of XXXX  during the relevant timeframe, I am also requesting that Ally Financial conduct a hardship and account-level review to determine whether the balance, fees, and reporting have been handled appropriately and in accordance with applicable consumer protection standards. 
I am seeking full transparency regarding the calculation of the alleged deficiency balance and appropriate consideration of the documented circumstances that materially impacted my ability to manage the account during that period. 
I have attached supporting documentation for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I am formally disputing the deficiency balance currently being reported and/or collected by Ally Financial related to my prior auto loan. 
During the relevant timeframe surrounding the vehicle default and repossession period, I was experiencing a documented acute XXXX  XXXX  crisis involving XXXX. I was subsequently XXXX  for approximately XXXX months and under active XXXX  XXXX  and XXXX. 
Due to the severity of my condition and my custodial status, I was not in a functional position to reasonably manage, respond to, or address the account during this period. I have attached medical and custodial documentation supporting this timeline. 
At this time, I am requesting that Ally Financial provide the complete repossession and post-sale accounting for this vehicle, including but not limited to : Date of repossession Date and method of sale ( public auction or private sale ) Gross sale price obtained Itemized list of all fees and charges added ( repossession, storage, auction, legal, interest, and any other costs ) Explanation of the deficiency balance calculation Copies of all pre-sale and post-sale notices allegedly sent, including the addresses used and dates mailed Given the documented medical crisis and period of incarceration during the relevant timeframe, I am also requesting that Ally Financial conduct a hardship and account-level review to determine whether the balance, fees, and reporting have been handled appropriately and in accordance with applicable consumer protection standards. 
I am seeking full transparency regarding the calculation of the alleged deficiency balance and appropriate consideration of the documented circumstances that materially impacted my ability to manage the account during that period. 
I have attached supporting documentation for review.

Company response to consumer: Closed with explanation