vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: MO

Complaint narrative:
XXXX sent a document dump, no disclosure even when letter said XXXX was done. Company declared an audit was done and declared a interest and fee adjustment due to a deferral that was not requested or agreed to dating back to XXXX, XXXX YEARS AGO, MAKING impossible for me to verify, also interest for a similar deferral THAT I refused and made regular payments thru. I have continued to make regular payments under original plan and requested that account be restored tot hat plan. They have refused even though their XXXX YEAR OLD ADJUSTMENT ARE ABSURD, STALE AND BEYOND ANY STATUTE OF LIMITATIONS EVEN IF THE OCCURRED I have concluded that these deferrals under the guise of benefit to borrowers are nothing more then excuse to charge more interest since they dont allow borrower to refuse and continue regular payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
in XX/XX/year> I paid for a moving service company to come to my house and pick all my stuff and move them to Michigan I paid with my apple card, the day of the moving the moving company double the cost of the moving, I called the company and they said there is nothing they could do, the moving quote they gave me was XXXX dollars and it went up to XXXX dollars, I told them I couldnt afford the move and cancel the service. after this i contacted the moving company for a refund or at least a partial refund and they first said yes, and then no. after trying a couple more times i contacted my credit card and they said they would investigate, they investigated twice and even after submitting the information I had they ruled in favor of the moving company even though they provided no service at all. this is XXXX of the emails they sent me asking for information : Remove financial account numbers from any document you send. Do not email documents that include sensitive information ( for example, Social Security number, driver 's license number, or state-issued identification number ; financial account number or credit or debit card number ; or health-related information ). Copies of these documents should be sent by mail. Please label them with your case number XXXX and mail to Goldman Sachs Bank USA , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licens

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Cash app closed my account in the middle of the night. My tax refund is 2 days or less away from being deposited. I need my refund to pay rent or im going to be evicted. I never knowingly violate any terms and they didnt tell me what the reason or what the specific violation was. Theres no avenue to speak to anyone with authority to resolve the issue and this is a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hereby issue formal notice disputing the legitimacy of the referenced accounts, which were opened without my authorization. I demand a thorough review and prompt removal upon verification. Relevant materials are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I have had student loans with XXXX XXXX, XXXX and Mohela. These companies have practiced predatory behavior by giving out incomplete information about what payment plans I qualify for, rejecting my initial application for PSLF, offering forbearances where interest still accrues on my loan etc. As each company gets shutdown, my private loans have just been transferred from XXXX predator to another! I have not received any information about the class action lawsuit and since I have had to deal with all XXXX of these companies that have been sited for predatory lending and keeping consumers drowning in debt! I currently have private loans with Mohela and have not received any information on plans that I can enter into to pay off my debt. I am paying $ XXXX a month in interest just to keep my credit in good standing and prevent my wages from being garnished! I deserve compensation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Data and Contact Management Solutions, LLC
State: CA

Complaint narrative:
b'I received letter from\nDCM Services\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nXXXX\n\nStating that XXXX XXXX has passed away and they are looking for someone authorized to act on her behalf. I am not dead, XXXX is my middle name not legal name. I do not want to reach out to company as it is obviously a scam.\n\nAny help would be greatly appreciated \n\nThank you'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect deb

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My husband and I applied for credit thru XXXXXXXX XXXX XXXX XXXX to obtain a XXXX XXXX. It was approved thru Wells Fargo. Document received by us for signature. Only my husband signed as was told both signatures were not necessary. My husband had to file chapter XXXX bankruptcy XX/XX/year>. Once his was XXXX, Wells Fargo came after me and reported a charge-off on my credit report. Numerous emails were sent back and forth to attempt to get this rectified when came to no avail. This is when I told her I would be filing a complaint with CFPB.

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 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IA

Complaint narrative:
I am filing a complaint regarding cash app withholding my direct deposit funds my social security XXXX sent me a direct deposit of {$850.00} on XX/XX/year> the funds have been stuck in my cash app account. Ever since, I have contacted cash app support daily over the last close to 45 days and then repeatedly told they are quote on quote locked out of the system and can not attempt again for XXXX hours I call back every XXXX hours and I'm repeatedly told there's the same thing over and there was no progress ever made I am now behind on bills, fines, and essential living expenses because my money is being withheld without explanation cash app has refused to escalate my case to anyone beyond Frontline support and will not confirm the status of my deposit I am requesting an immediate investigation the release of my {$850.00} direct deposit or return of the XXXX funds to my social security XXXX office so the deposit can be reissued to my new bank account which XXXX XXXX XXXX this has caused financial hardship and violates my right to timely access my funds under the electronic funds transfer act

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a formal complaint regarding Navy Federal Credit Unions unauthorized withdrawal of funds from my savings account and the assessment of a late fee on my second mortgage. On XX/XX/2026, Navy Federal withdrew funds from my savings account without my authorization and applied the money toward my second mortgage. This withdrawal was not initiated or approved by me. My mortgage payment was not late. The payment was due on the XXXX of the month, and I had already scheduled a future-dated payment for the XXXX. Despite this, Navy Federal removed funds from my savings account on the XXXX days before my scheduled paymentand applied a {$10.00} late fee, even though the account was not delinquent. This action raises several concerns : I did not receive prior notification from Navy Federal and a phone call in an attempt collect a debt. Navy Federal withdrew funds without my consent, violating the Electronic Funds Transfer Act ( EFTA ) requirements for authorization. The mortgage was not in danger of being past due, and I had already scheduled a payment, making the withdrawal unnecessary and improper. Navy Federal has not provided a valid explanation for overriding my scheduled payment and accessing my savings account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I would like to file a complaint against SoFi for mishandling a dispute. On XX/XX/XXXX, I purchased a XXXX-time meal delivery order from XXXX XXXX for the amount of {$82.00} ( reference number : XXXX / Vendor : XXXX XXXX XXXX XXXX NJ ). On XX/XX/XXXX, I was charged again by XXXX XXXX for amount of {$130.00} ( reference number : XXXX ) ; this charge was not authorized and I did not select a recurring plan, only a XXXX-time purchase. They delivered the order of perishable food which I was not interested in nor consumed. I reached out to XXXX XXXX via phone twice in order to dispute the order as soon as I received the package, yet they left me on hold over XXXX both times. Because I was unable to resolve the case directly with the merchant, I filed a dispute with my SoFi credit card ; I do not have the exact date, but SoFi mailed me confirmation shortly after. I received a temporary chargeback of the full amount on XX/XX/XXXX. The Case ID is : XXXX. I requested communication via email and finally received a message on XX/XX/XXXX asking for " written confirmation of your cancellation request. As well as proof of return, such as the return tracking number. ". I wrote back immediately letting them know the charge was unauthorized, and that I don't have a confirmation or proof of return since I could not get in contact with the merchant. Additionally, the items were perishable and could not be sent back. I followed up on XX/XX/XXXX, and XX/XX/XXXX to no response. It was then that I called SoFi and a representative notified me the case was closed. Upon reading my statements, I noticed they charged me the full amount again on XX/XX/XXXX Over the next few weeks, I called multiple times asking to reopen the case, escalate the matter, and speak to a supervisor. Each time, I was assured they would reach out within XXXX hours, which never occurred. I also asked to communicate via email, which they advised me to use the same email chain ; still XXXX responses. Today, on XX/XX/XXXX, I called for an update, and the representative gave the same response that an update was pending and they would reach out to me. I asked if there was anything else I could do to finalize this dispute that has been on my mind for XXXX months now, and the representative said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: LA

Complaint narrative:
I got an email from Collection Bureau of America who is not license to collect in the state of Louisiana

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AppFolio, Inc.
State: SD

Complaint narrative:
I am currently moving to a new property in XXXX. This property uses this app to process the application and take rent payments. I previously entered in my XXXX XXXX debit card number to use to pay for the application fee. Once I was approved and I needed to pay the deposit I entered in my XXXX XXXX checking account number and routing number. I had recently closed down my XXXX XXXX checking account and opened a new account with XXXX. When I went to go pay my first month 's rent I deleted the debit card out of the app and I deleted my account out of the app. I then entered in my new XXXX routing number and account number and requested that the payment be made. Several days later I got a notification from the apartments manager that my payment had been returned due to no account found. They have advised me that the payment tried to pull from the closed account. I have asked for this to be researched because I know I took that account number out of there and I want to know why they still tried to pull out of the account that I deleted off of the profile. This has caused me to receive a {$40.00} return fee from the apartment. The apartment manager reached out and all they are getting from them is that I made a one-time payment online and it's my fault. There has to be access to your online to see that I deleted the account and re-entered a new account. I work for a bank I am very careful about putting account numbers in and making sure they are correct as I see return payments for credit cards all the time because of mistyped account numbers. I want this issue fixed as now I am put on a list with this new apartment that if I have another return payment I will not be able to make payments online anymore. Plus I want my {$40.00} taken care of and the apartment manager to know that this was not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I attended The XXXX XXXX of XXXX from approximately XX/XX/XXXX through XX/XX/XXXX. I used private student loans originally serviced by Navient to finance my attendance. On XX/XX/XXXX, the U.S. Department of Education announced a {$6.00} XXXX group discharge for former XXXX XXXX borrowers who attended between XX/XX/XXXX and XX/XX/XXXX, citing pervasive and substantial misrepresentations regarding job placement rates, earnings potential, and career services. My enrollment falls within that exact timeframe. Prior to the XX/XX/XXXX federal announcement, I submitted a XXXX XXXX XXXX application to Navient regarding my private loans. My application described deceptive recruitment practices, misrepresentation of job placement rates, and financial harm. Navient denied my request without providing a detailed explanation of the review process or how the confirmed federal misconduct findings were evaluated in my case. In XXXX, servicing of my private loan was transferred from Navient to XXXX, although Navient remains the loan owner. This continued collection activity has caused ongoing financial uncertainty despite confirmed federal findings regarding the institution. Given that the Department of Education has formally determined that the XXXX XXXX engaged in widespread misconduct during the time I attended, the denial of my private loan misconduct claim without meaningful review raises concerns about unfair and deceptive servicing practices. I am requesting : Formal reconsideration of my XXXX XXXX XXXX application in light of the XX/XX/XXXX federal misconduct determination. Suspension of collection activity while the account is under review. Written clarification of the basis for denial and confirmation of loan ownership and servicing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation