vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this report because I am a victim of identity theft. A fraudulent account has been reported under my name by Midland Credit Management, allegedly originating from XXXX XXXX. The account number ends in XXXX, with a reported balance of {$4100.00}. I have never opened, authorized, or consented to the creation of this account. I have never entered into any agreement with XXXX XXXX for this specific account, nor have I given permission to any third party to open credit in my name. Upon discovering this account, I immediately contacted the company to dispute the debt and informed them that this account does not belong to me. Despite my dispute, the account continues to be reported, and I have been subjected to ongoing collection attempts. I am formally reporting this as identity theft. I am requesting a full investigation, validation of the alleged debt, and immediate correction of any inaccurate reporting associated with this fraudulent account. I reserve all rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the continued reporting and collection attempts on a fraudulent account are causing financial harm and emotional distress. I am prepared to provide supporting documentation, including my credit report and any additional information necessary to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: GA

Complaint narrative:
I am formally disputing a {$6600.00} collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXXXXXX XXXX for XXXX XXXX I did not attend classes during XXXX XXXX. I was auto-enrolled without my authorization and did not log into any courses, submit assignments, or participate academically. I have requested proof of attendance and a signed financial responsibility agreement for that term. No documentation showing academic participation has been provided. I also received multiple conflicting explanations regarding the balance, including references to prior balances and other charges, which raises concerns about the accuracy of this debt. I am requesting full validation of this debt, including documented proof of academic attendance and a signed agreement showing I accepted financial responsibility for XXXX XXXX. If this debt can not be properly validated with documented evidence, I am requesting immediate deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
I got a text message from XXXX stating : XXXX XXXX XXXX XXXX. We have not received a response. Please contact a representative no later than XXXX XXXX today. Phone XXXX. ' I called from a pseudo phone number and spoke to a lady who told me she was from a lawyer 's office called XXXX XXXX XXXX. She mentioned it was regarding a payday loan that had closed out in XXXX and was charged off in XXXX. I advised her that there is a four-year statute of limitations to sue. She became rude when I asked her for the company name again, as it has now been XXXX years and I do not remember that debt. She then proceeded to hang up on me. So, I called again from my personal phone number, advised the man who answered that the call was being recorded, and he transferred me to the same lady. At that point, when I asked her who she was again, she was very hesitant to give me an answer, stating she had told me XXXX minutes ago, and nothing had changed. She did provide the name of the company of XXXX XXXX XXXX. She then became rude again, asking if I 'was on something. ' So, I had to feed her some of her own medicine, and she did not like it ; she disconnected again. She was really vague about what she told me about the debt. I have been looking up the phone number, and so many people are experiencing the same text message from these people.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
My debit card was compromised on XX/XX/XXXX. I reported to Bank of America immediately. They informed me they would send me a new card and that I would have access to a digital card upon waiting. The employee insisted I would have access to my funds and states in the recorded call that he sent an email for XXXX XXXX XXXX XXXX. I never received the email, so I called back. I was told I would NOT have access to a Digital Card and that there was absolutely nothing they could do. I requested a supervisor, whom stated would direct me to department needed to fix my issue. I was transferred to XXXX XXXX, an unrelated company of Bank of America.I awaited my card. The notification arrived that the card had been delivered I called back again, I was told the new card must have been lost in the mail because I had never received it and still havent. Upon contacting the bank again on XX/XX/XXXX I was told to use other methods of access my funds however there are no branches in XXXX, additionally XXXX placing a hold on every transaction i make, so If i have to get my money I have to speak with customer service for every transaction. i have no access to my funds. Upon requesting a new card be expedited, Today XX/XX/XXXX, the agent at the time ended our conversation prematurely. I have had the upmost patience and Bank of America is not cooperating. They have not offered any solutions. I am being sent through repetitive loops and its causing me hardship, I am absolutely going to sue if I dont have access to my funds within XXXX hours.

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 monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
I received a letter from Simon 's Agency dated XX/XX/XXXX claiming I had a bill from XXXX for {$200.00} and that I should write or call by XX/XX/XXXX to dispute the debt. I wrote and sent a debt verification letter on XX/XX/XXXX with return receipt. I got the return receipt back with date of delivery written as XX/XX/XXXX. Then I get another letter from XXXXXXXX XXXX dated XX/XX/XXXX claiming I have a bill from XXXX for {$250.00}. It seems like they added {$50.00} from the XXXX letter with no explanation and with no regard to my debt verification letter. Both letters from them have the same account number, and they attempted to continue collecting a debt after I clearly disputed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: TX

Complaint narrative:
Open fraudulently, company refuses to delete unauthorized account & is reporting negatively.

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 2026-02-25 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: CA

Complaint narrative:
o Whom It May Concern, I am writing to follow up on my prior complaint regarding XXXX Ones decision to close both of my accounts without warning. To date, I have not received a satisfactory explanation, nor has the matter been resolved. Both accounts were closed abruptly and without prior notice. In addition, Capital One has refused to honor or release the rewards that had been earned prior to the closures. These rewards were accumulated in good faith under the terms of the account agreements. I have made multiple attempts to obtain clarification and resolution directly through Capital One, but they have not been cooperative or transparent in addressing my concerns. I am requesting that the CFPB review this matter again and require Capital One to : Provide a clear and documented explanation for the account closures. Release any rewards or benefits earned prior to closure. Confirm whether the closures were reported in any way that could negatively impact my credit profile. I believe I have acted in good faith at all times and expect the same from a national financial institution. I respectfully request assistance in ensuring this matter is reviewed fairly and resolved appropriately. This is what was previously sent The company has responded to your complaint. Log in to the XXXX secure website to review the companys response online. You can also review the companys response by phone with someone. Thank you for participating in our complaint process. This complaint is now closed. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Credit card ISSUE Closing your account Thank you for your time and attention to this issue. I look forward to your response. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This account has already been deleted by XXXX and XXXX due to failure to verify. Your continued reporting of this account creates inconsistent and inaccurate reporting. Can you please provide documentation that this is my collection account! Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I contacted my credit card issuer to request a review of my current XXXX, which is 28.24 %. My XXXX XXXX is approximately XXXX, and I have maintained an excellent payment history with this account for over XXXX years. I have never missed a payment and have never carried a balance until now which will be paid off by next statement. Over the life of this account, the company has upgraded my card at least XXXX times. Despite these upgrades, my XXXX has remained the same. Given my strong credit profile and the multiple account upgrades, I believed a rate review would be appropriate. When I called to request a rate review, I was informed that the company does not do XXXX reviews anymore. I found this concerning, as periodic rate reviews have historically been available upon request. I then asked to file a complaint regarding this issue. The representative told me that they do not take complaints. However, the companys website explicitly instructs customers to call customer service to submit complaints. XXXX told that complaints can not be filed directly contradicts the information published on their website and effectively prevents customers from using the companys internal complaint process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/year>, my checking account received a deposit over {$200.00} ( a tax refund ). I was previously told by Chime staff that deposits over {$200.00} would maintain my XXXX XXXX limit. However, Chime retroactively applied a policy exclusion, claiming that tax refunds do not qualify as direct deposits, on the same day my last paycheck was deposited. As a result, my account went negative, and my last paycheck was withheld, leaving me without access to earned wages and causing severe financial hardship. I attempted to contact Chime to resolve the issue, but they refused to reverse the deduction or provide assistance. I am requesting immediate release of my paycheck and written confirmation that future XXXX XXXX adjustments will not be applied retroactively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I am filing this complaint against MOHELA for improperly placing my XXXX student loans into a retroactive In-School Deferment status without my request, authorization, or notification, which is now negatively impacting my participation in Public Service Loan Forgiveness ( PSLF ). I received written correspondence from MOHELA dated XX/XX/XXXX, stating that an XXXX XXXX had been approved beginning XX/XX/XXXX. I did not request this deferment. I have been making payments while employed in public service and pursuing PSLF. The retroactive deferment removes otherwise qualifying repayment months and prevents additional qualifying payments from being credited toward PSLF. Had I been notified in XX/XX/XXXX, I certainly would have flagged this issue sooner. Importantly, I previously opted out of any deferment. I received written confirmation dated XX/XX/XXXX, stating that my deferment would end on XX/XX/XXXX. Despite this confirmation, MOHELA later issued a letter retroactively approving a deferment beginning XX/XX/XXXX. These written communications directly conflict. On XX/XX/XXXX, I spoke with MOHELA Agent XXXX XXXXXXXX, who acknowledged the issue and stated that the deferment would be retroactively corrected. However, I later received notification that the deferment would end on XX/XX/XXXX, and that my next payment would not be due until XX/XX/XXXX. This does not resolve the issue. My account continues to show no payment due for several months, which prevents me from making qualifying PSLF payments despite maintaining eligible government employment. Because of MOHELAs actions : My loan status was changed without my request. My repayment schedule was altered without my request. My PSLF qualifying payment count is being negatively impacted. I am losing valuable qualifying months due to servicing error.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Upon recieving an email from this collection agency they are trying to charge interest for a debt that is over XXXX XXXX XXXX. This is again a collection agency I dont think they should be allowed to charge interest for a debt that isnt even there's.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing this complaint against Block , Inc. ( Square ) for unfair and deceptive business practices and an unjustified fund hold. Upon account creation, Square solicited detailed business information regarding my specialty clothing retail business and permitted me to begin using their payment processing service. Following a temporary deactivation, Square conducted a second review of my business information and reactivated my account, during which time transactions were processed, and funds were moved into my Square balance. After XXXX separate reviews and implicit approvals, Square permanently closed my account on XXXXXXXX XXXX XXXX stating only that my business did not align with their acceptable use standards without providing any specific basis for this determination. Square is now withholding {$1300.00} in earned consumer funds until XX/XX/year>, a XXXX hold with no disclosed chargeback risk or demonstrated loss to justify the duration. Additionally, Square 's own onboarding process prompted me to conduct a test transaction, while their Payment Terms simultaneously require every transaction to represent a bona fide sale a direct internal contradiction that makes compliance impossible for any consumer following their own instructions. I have filed a BBB complaint, issued a formal pre-suit demand letter dated XX/XX/year>, and intend to file in XXXX XXXX General Sessions Court if the funds are not released. I am requesting the CFPB investigate Square 's underwriting practices, the fund hold, and the internal contradiction in their Terms of Service as a potential systemic issue affecting other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ATG Credit, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your communication regarding the above referenced account. This letter serves as a formal request for validation of the alleged debt pursuant. XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt. XXXX. Copies of any agreement or contract. XXXX. Proof that you are legally authorized to collect this debt. XXXX. Documentation showing you own or have been assigned this debt. Be advised that until you provide the requested validation, you must cease collection. Failure to comply with this request may constitute a violation of XXXX law. I request all future communications to be made in writing. Sincerely, XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
They are charging for something that is not mine. I need this removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I was given a loan from PFS bank, for XXXX $ I had the vehicle for XXXX year and made all my payments on time, then on XX/XX/XXXX, the truck was hit in a hit in run, I reported it to my insurance, who then had me take it to get an assessment which resulted in a total loss. The vehicle however only had cosmetic damage as the truck was still structurally and mechanicaly sound. With us just having our first child and it being our only vehicle, I decided to withdraw my claim from the insurance and keep the truck and continued to make payments to the lienholder. A couple months ago by and didn't really think about it at all until in the middle of XXXX, I came home to my truck gone, my first thought it was stolen or my landlord had it towed for some reason, after making some phone calls, come to find out the lienholder came and repossessed the truck with out any for knowledge, when asked why they told me that they don't finance totaled vehicles, and even when I tried to reason with them assuring them that I would continue to pay and keep the truck they said no, after wards I stopped making payments, and if my insurance doesn't pay them out, I don't think I should either, unless I get the truck back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX'I am filing a complaint regarding Citibanks improper handling of a disputed XXXX credit card charge posted on XXXX XXXX XXXX I purchased service from a travel agent operating as Reservation Desk, who told me they were a special agency of XXXX assigned to handle my ticketing issue and billed my account under XXXX XXXX XXXX XXXX. The agent confirmed in writing that I was owed a full refund, but they never issued it, never provided the replacement ticket, and no service was ever delivered. I notified Citi of the dispute within the FCBA XXXX day window and submitted the written refund confirmation, but Citi ignored this evidence and did not review or request any of the documentation showing the merchant agreed to refund the charge.XXXXCiti denied the billing dispute by claiming the merchant names did not match, and denied the fraud claim by claiming the charge was authorized. During a call with Citis XXXX Response Team, I was told Citi attempted to call only the phone number in the billing descriptor, received no answer, and made no further attempt to contact the merchant using the accurate contact information I provided, including the toll free number I used to request the refund XXXX XXXX XXXX and the representatives name, XXXX. Citi also ignored the merchants email address, which appears in Citis own denial letters (Exhibits XXXX XXXX and XXXX). Citi provided no documentation of any investigation steps and has not provided any voice recordings, even though those recordings would show that my statements were taken out of context and that I repeatedly asked Citi to research and resolve the case. Under the Fair Credit Billing Act, Citis conclusions cannot both be true: if the merchant names do not match, the charge is unauthorized; if they do match, this is a clear billing error because the merchant confirmed a refund in writing and no service was provided. Citis investigation was incomplete, contradictory, and failed to meet FCBA requirements. I am requesting a full reimbursement of XXXX and disclosure of all internal notes, merchant contact attempts, and all voice recordings associated with Citi Case 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 2026-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Ive called sent emails sent them screenshots and everything. The only thing they told me was they will take care of it but they never did and this has been over XXXX years ago. Until this day I havent heard from them. I have been continuously sending emails and phone calls and the only thing they did was give me the runaround.

Company response to consumer: Closed with explanation