vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
In XX/XX/year>, I sent a one time payment through Cash App to my partner with receiving confirmation on my phone that the transaction was completed successfully. We made several transactions because of the spending dollar limit for each transaction. When I sent the final amount totalling {$2000.00}, confirmation was received on my phone stating the transaction was completed but my partner never received the phone. We both immediately contacted customer service agents immediately to retrieve the funds. My partner was not given any assistance in the matter but instead his Cash App account was closed because of making " too many high dollar transactions ''. We both spent countless emails and chat messages with trying to locate either a manager or anyone who could assist with being refunded but to avail were we given any assistance nor were we given the return of our money. I have tried profusely with speaking with someone but nothing has worked. It wasn't until recently I discovered there was a class action settlement with unethical practices being exhibited by this organization. Therefore, I have obtained legal representation and willing to sue to the extent of the law to receive our money from this transaction. I strongly believe our money was taken maliciously without any assistance or investigation. Also, I have the screenshots of the transactions made on this particular day and the written correspondence between the many individuals representing the company withou providing any assistance but to say there was nothing to refund the money. I am reaching out after many failed attempts with trying to resolve this very tiring situation. I realize the time frame of this matter but this is an enormous amount of money to have lost not from our own mistake but due to the technical or any other issues with this company. My name is XXXX XXXX and I can be reached at XXXX. I would appreciated assistance with getting our funds retrieved because I was not compensated through the class action suit where I have explained the circumstances around the is mishap on the company 's part. Once again I am trying to resolve this in a diplomatic manner but I due have legal respresentation where we should be compensated for mental pain and suffering. Due to the loss of the funds made us fall behind on the original intended purposes. Also, this company has the worst form of customer service where my partners account was closed due to being accused of illegal activity which is a false representation. I look forward to being contacted in a appropriated time frame to discuss any further details of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The companys have failed to correct their reporting on my consumer credit report even after contacting them on several occasions. I have begged and pleaded that they correct the inaccuracies seeing that I am currently attempting to acquire a home and their misconduct is affecting me trying to get a home. I know that you help consumers to get justice for violations according to the fair credit reporting so I am asking you to assist in this endeavor .. I called and talked to a representative and they said that it was confirmed that these account were up for deletion but have not removed them .. can you all please block and remove these accounts from my report immediately.I'am apart of XXXXXXXX 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 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
This account is not my account and I am sick of attempts at collecting it. Its also hurting my credit score.

JEFFERSON CAPITAL LLC {$530.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
I received a {$50.00} refund on a prepaid Visa card issued by XXXX XXXX  from the merchant XXXX XXXX XXXX XXXX ( XXXX ). This refund was owed to me after attending a required sales presentation under XXXX  written terms. 

I never successfully received or used these funds. Shortly after the card showed a {$50.00} balance, the entire {$50.00} was removed by an unauthorized electronic transfer processed through XXXX. The card ledger shows a debit with the descriptor * XXXX XXXX {$50.00}. 

I did not initiate, authorize, or approve any XXXX transaction. I never linked this prepaid card to XXXX and have no XXXX account associated with that descriptor. This was an unauthorized electronic fund transfer. 

When I attempted to dispute the transaction through the cards dispute process, I was blocked because the card was registered using information controlled by XXXX rather than my personal information. I am unable to authenticate as the cardholder and therefore can not access XXXX XXXX  dispute system. 

I am requesting that the CFPB require XXXX XXXX  to conduct a Regulation E investigation, trace the XXXX transaction, and return the {$50.00} to me. I also request that XXXX XXXX  be required to explain why a refund card was issued in a way that allowed the funds to be transferred out without my authorization. 

This appears to be part of a pattern of refund abuse involving XXXX and XXXX XXXX  prepaid cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of an in-person street scam. Three individuals approached me and asked for a {$5.00} donation for a missing child. They said they could not accept cash and would swipe my card for {$5.00}. One person held my phone/card to process what I believed was a {$5.00} donation while another asked me to sign a form with my name, email, and the {$5.00} amount. 
Instead of charging {$5.00}, they charged {$5000.00}. The transaction posted as XXXX XXXX XXXX in the furniture category on my Chase credit card. I did not authorize a {$5000.00} transaction, did not receive any goods or services, and immediately called Chase to report the fraud. I have since filed a police report ( attached ). 
Chase investigated and denied my fraud claim, stating that I benefited from this transaction. That is incorrect. I did not receive any benefit, merchandise, or services and have no relationship with this merchant. I am requesting : that Chase reverse this unauthorized transaction and that Chase explain the basis on which they concluded I benefited from it. 
I am submitting this complaint because I have exhausted Chases internal dispute process and they continue to hold me liable for a transaction that was clearly the result of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My credit card issuer, Capital One reduced my credit limit from {$2000.00} to {$1500.00} sometime in XXXX or XX/XX/XXXX. The reduction was made without any written or electronic notice. 
I did not receive any adverse action notice before or after the decrease. I learned of the reduction only when I accessed the issuers mobile application to investigate why my available credit had changed. The application displayed the lower limit but provided no legally required disclosure. 
After further inquiry, the issuer confirmed that the reduction was based in whole or in part on information obtained from my consumer credit report reflecting late payments reported by a different creditor. No notice identified the consumer reporting agency relied upon. No notice stated that the consumer reporting agency did not make the decision. No notice advised me of my right to obtain a free copy of my credit report within 60 days. No notice advised me of my right to dispute the accuracy or completeness of the information. 
This conduct violates the Fair Credit Reporting Act, 15 U.S.C. 1681m ( a ). A credit limit reduction based on a consumer report constitutes an adverse action requiring strict compliance with FCRA notice requirements. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ). Oral explanations or passive display of a reduced limit in an application do not satisfy the statute. 
The reduction also implicates the Truth in Lending Act and Regulation Z, 15 U.S.C. 1637 ( i ) and 12 C.F.R. 1026.9 ( c ), because it was not based on delinquency on this account and was implemented without required disclosure. 
The failure to provide notice deprived me of the statutory opportunity to timely obtain my credit report and dispute potentially inaccurate information. It also increased my credit utilization ratio and reduced my available credit without lawful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
These companies are Attempting to collect debts I do not owe. Its affecting my credit score. 
Southwest Credit Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
In XX/XX/XXXX my husband and I enrolled with Freedom Debt Relief to manage our credit card debt. However they failed to disclose the fact that my credit cards were not included in the program even though it was implied at the beginning. It was not until I was served with a summons stating that a lawsuit was filed against me for collection on one of my cards in XX/XX/XXXX that we got the bad news. We had been sending them all the letters prior to the lawsuit from the creditor about not not making my payments which they had told us to stop making payments for. When we called to notify them of the lawsuit they told us that they were unable to include my cards in their debt relief program.without giving us a reason why. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
False statements. Account locked. Still reporting delinquent. Loan involved in criminal activity and criminal complaint made in connection with loan again XXXX XXXX XXXX and XXXX XXXX. 

Chase has been aware since XXXX. Never did a thorough investigation or responded to all new evidence in writing. 

Collecting and still destroying my credit. Reporting grid 3 delinquency Reporting criminal activity by chase bank. Executive branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have been banking with Chime for nearly 3 months. I have my payroll check directly deposited into that account. When my check post to the account it's always XXXX XXXX dollars less than my payroll deposit. It appears that they are debiting my payroll check in advance for cash advances and then charging me for getting an advance that they already debited my account for. They only allow me a {$20.00} advance since I'm new to banking with them. Pay period on XX/XX/year> the took over {$200.00} before I even received my check. Would someone please look into this for me. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI

Complaint narrative:
XXXX and XXXX to XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and its fully automated system XXXX XXXX Platform is the actual servicver of my dry table funded transaction informed me that I allegedly did not paid for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX- including allegedly " unpaid '' escrow. 

This is the lie. I paid for XXXX XXXX and for XX/XX/XXXX in full. I also paid in full any and all escrow and do not have any " unpaid dues '' at all. 

I demand to disclose who received these payments and why XXXX who is impersonating as a fake company PennyMac Loan Services , LLC demands me to repay XXXX XXXX and repay all escrow which I already paid twice in full Provide me full accounting records, including wire transfer receipts, cancelled checks or ACH evidencing receipt of my payments ( not unnamed " Financials '' from XXXX  ; s XXXX ) and direct contact information for the accountant or bookkepper who is personally involved in receipt and distribution of my payments and who can verify them,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
Zelle and Early Warning Services have associated my name with false, unverified, or defamatory information without evidence, notice, or due process. I have only used Zelle a few times, always with family or close friends, and the last transaction was a simple {$50.00} transfer. I have never been involved in fraud, never been contacted by law enforcement, and never been charged with anything. 

The company claims they tried to contact me, but I am not obligated to maintain communication with them, nor does that justify restricting my access or attaching false or unverified information to my name. Their inability to reach me does not give them the right to interfere with my financial life or make decisions about me without evidence. 

Because of their actions, I was blocked from services, denied access to financial tools, and treated as if I committed fraud even though I did nothing wrong. This has caused reputational harm, emotional distress, embarrassment, and disruption of my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
To whomever this may concern, or reach. I have been requesting clarity regarding the servicing of loan in question for a very long time. It has always been my desire to remain current and in COMPLETE agreement with the options of resolve offered by PennyMac modification and loan specialist departments. I have even requested as a desperate attempt for final resolve and agreement, the assistance of 3RD parties of interest to vet the confusing and seemingly jumbled activities of the disbursements of my payments, Trustees in lieu of bankruptcies over the years ; the Attorney General, including but not limited to the Consumer Federal Protection Board. Unfortunately, as timing may have it, these outreach attempt seemed to always preface life changing hardships of the entire world and as well as personal hardships that created drastic changes and impact for my family. after 23 years of word wrestle and endless cries for help from my servicing company, still there is what appears to be unexplained duplication of fees and monies said verbally to be help. On paper it appears as compiled charges to either force foreclosed without properly overly ANY hardship assistance or explanation of hardship assistance ( ie. HAF grants, partial claims, and modifications ) obtained on my own. I am including this additional request for resolve of duplication of posted fees and misrepresentation of purpose of the workout options offered that should have and was explained to address and currently satisfy the arreas owned from previous months of hardship yet to be inquired about. I am formally requesting forbearance of months of said payments in question due for XXXX until present. XXXX and XXXX submitted payment were still dispersed to fees of foreclosure preceding and Attorney fees as well as property inspection for each delinquent month but unfounded or vetted. A formal audit and validation of loan activities for the life of this FHA secured loan have been requested previously twice. I have not been contacted by mail or telephone by servicer Pennymac since the question if botched modification documents not finalized until the XXXX  Federal government shut down. in closing, not that there has been any inquiry of cause and effect as to avoid total fail, am still a single income household. I have since this inquiry started, lost my mother tragically, lost employment due to medical issues, and fought to obtain fixed income in the result of retirement XXXX insurance as a result. As a seemingly final request for a quest to be satisfactorily whole as a homeowner, I sincerely request forbearance until a fair and realistic workout of my loan can be obtained. on addition, I am still in NEED of the audit and debt validation requested in XXXX of XXXX  most recently. 

Respectfully, XXXX XXXX. XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
XXXX XXXX XXXX third party services are trying to over charge my account illegally ( sunrise Credit service XXXX XXXX XXXX XXXX ) twice for the same account. When I spoke to representative they told me I was correct and my balance was less than XXXX XXXX It still currently says XXXX $! I do not owe that balance and I have undeniable proof! 

This letter serves as a formal dispute and notice of violations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692k. 

Your credit reporting agency is currently reporting an alleged debt that is false, misleading, and legally unenforceable, and is being used for illegal profit or loss recovery by a third-party debt collection service. This constitutes willful noncompliance and negligent reporting under federal law. 

Either XXXX. The debt was charged off, in which case I am legally entitled to a XXXX ( Cancellation of Debt ), or XXXX. The debt was never legally owedand is being falsely reported for profit. You can not lawfully claim both.If the debt was charged off, where is my XXXX? If it was not charged off, then the reporting of this account is false, and XXXX is liable for publishing inaccurate information after notice.This inaccurate reporting : Violates 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures for accuracy ) Violates 15 U.S.C. 1681i ( failure to properly investigate disputed information ) Triggers liability under 15 U.S.C. 1692k, including statutory damages, actual damages, and costs. I have already provided proof that this alleged debt is invalid, including court documentation showing no monetary obligation exists. Continued reporting after notice constitutes willful noncompliance. I am formally demanding : XXXX. Immediate reinvestigation of this account XXXX. Written proof of validation, including the original contract and accounting XXXX. Immediate deletion of the inaccurate tradeline if validation can not be produced XXXX. Disclosure of whether a XXXX was issued XXXX. Compensation for statutory damages as allowed by law Failure to correct or delete this information within the time allowed by federal law will leave me no option but to pursue civil remedies, including filing complaints with the CFPB, FTC, State Attorney General, and initiating legal action. This letter serves as notice. All further communication should be documented. 
Sincerely, XXXX XXXX XXXX Phone : 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 2026-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
Aidvantage is in direct violation of the mandatory XXXX federal grace period for my student loans. I officially graduated in XX/XX/XXXX, which entitles me to a grace period ending in XX/XX/XXXX. However, Aidvantage began initiating repayment and charging me only 4 months after my graduation date. 

I have attempted to resolve this directly with the servicer via email to maintain a paper trail. Despite providing my graduation date and identifying information, the servicer has been obstructive, dismissive, and has failed to correct the billing error. Their failure to adhere to federal repayment timelines is causing unnecessary financial strain and mental taxation.

Company response to consumer: Closed with explanation