vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: B9, Inc.
State: NJ

Complaint narrative:
Subject : Complaint Regarding Potentially Deceptive and Predatory Practices by the B9 Financial App I am submitting this complaint to report concerns about the business practices of the B9 financial application, which appear to be misleading and potentially exploit financially vulnerable consumers. The B9 app advertises itself as a service designed to provide small cash advances to individuals who may be experiencing financial hardship. However, in order to access these advances, users are required or strongly encouraged to redirect their primary direct deposit to a banking account associated with the B9 platform. This requirement is concerning because individuals seeking small advances are often already in financially difficult situations. The structure of the service appears to condition access to short-term financial relief on transferring a users primary income stream to the companys banking partner. In practice, this creates a situation where consumers may feel pressured to move their direct deposit in order to access relatively small advances. The way the service is marketed emphasizes quick financial help, but the implications of transferring direct deposits may not be clearly understood by consumers at the time they begin using the service. Financial services directed toward individuals experiencing financial stress should maintain a high level of transparency and avoid structures that could pressure consumers into transferring control of their income streams in order to receive minimal financial assistance. Because this service appears to target individuals experiencing financial hardship, I believe the companys advertising and onboarding practices warrant review to determine whether they may constitute deceptive or unfair financial practices toward consumers. I respectfully request that this matter be reviewed to ensure that consumers are not being misled or pressured into financial arrangements that primarily benefit the company rather than the consumer

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am writing to file a complaint against PayPal Holdings , Inc. regarding their unlawful and unfair holding of my funds. My account has been permanently limited, and despite the 180-day holding period expiring, PayPal is refusing to release my money. The 180-day holding period has now passed. However, PayPal is still refusing to release my funds, which total $ [ XXXX ]. I am unable to access my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. A fraudulent rental account was opened at XXXX at XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, FL XXXX, using a forged Wisconsin driver 's license with a photo of someone who is not me and my last name misspelled ( " XXXX '' instead of my real name ). I have never lived in, worked in, or had any connection to Florida. ProCollect ( account # XXXX ) is attempting to collect {$13000.00} on this fraudulent debt. On XX/XX/year>, I sent ProCollect a written dispute via email with fraud evidence including : the fake driver 's license showing the wrong photo and misspelled name, a fabricated paystub from an employer I never worked for, the fraudulent lease agreement, and my FTC Identity Theft Report. ProCollect failed to respond within 30 days. Their XXXX response deadline was XX/XX/year>. As of XX/XX/year>, I have received no response, no debt validation, and no acknowledgment of my identity theft dispute. Despite this, the fraudulent debt continues to be reported on my credit reports, damaging my credit score and impacting my ability to obtain a mortgage. Under the FDCPA, ProCollect is required to cease collection activity and validate the debt after receiving a written dispute. They have done neither. Under FCRA, a debt collector must stop reporting a tradeline to credit bureaus after receiving an identity theft notice. ProCollect has continued reporting. The apartment management company has cooperated and provided documentation confirming the name discrepancy and fraud. ProCollect has not.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MN

Complaint narrative:
Social security administration deposited {$990.00} on XX/XX/XXXX or XXXX to Cash App cash app never deposit my money into my account. Security. Verify the count information and that the check was not sent back from Cash App cash app. XXXX refusing to find out what happened to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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:
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 2026-03-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
In XXXX of XXXX the principal entered into a contract that was misrepresented and void ab initio along with failure to disclose the terms and intent of that contract/ credit transaction. The instrument was accepted and they failed to protect the interest of the principal and interest. They have received years of overpayments and they have failed to accurately credit the principals account. The servicer have sold the account and created accounts in the decedents name without full disclosure. The original servicer have then transferred and collected all credits inside the account that are actually due to the principal. They have withheld information which has caused the principal harm. They transferred the account and collected on the note over 4 times already without the principals consent. They are holding accounts and they are not returning the interest inside the accounts that are due back to the estate. These corporations are bankrupt and they are now trying to foreclose and seize property ( the physical house ) which was already paid for and settled in XXXX. This is fraud and deception and they are causing harm that is irreparable. They have also filed and recorded false and misleading notices with the county and trying to steal real assets from the people. This is not right. They need to stop and they have no valid lien or even a contract because the trustee needs to sign to authorize any transfer of private property. They have not. Theres Codes that these agencies need to follow or they are in violation. There is no law that allows foreclosure. 15 USC 1692f. they are violating the federal truth in lending and theres no such thing as a late payment 15 usc 1681 and 16 usc1666b. so, the account needs to be corrected. This is federal and they are breaking and violating laws. We have never received the complete file that is required to be sent to the agent/ trustee for the principal. They have an excess of funds that are sitting inside the account that we are coming to claim. This account should not be in foreclosure and they have no right to take something they do not own lawfully. We have sent instruments and notices to settle and close the account, and they are not doing what they are supposed to do. We need this account to be audited as we know exactly what is going on and we have never received a true bill. The statements that they send is proof that there is credits on the account and we have authorized them to apply and settle and zero out the account. All the overpayments need to returned to the beneficiary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: ME

Complaint narrative:
On XX/XX/year>, I made a student loan payment of {$180.00} through the Sallie Mae mobile application. The payment was made from my XXXX XXXX XXXX account and applied to XXXX # XXXX. Sallie Mae has since reversed the payment claiming insufficient funds and marked my account as delinquent. I contacted my bank and obtained confirmation that sufficient funds were available at the time the payment was initiated. I have documentation verifying this. I attempted to resolve the issue through Sallie Maes customer service chat multiple times. The same representative connected to my chats but did not respond and disconnected the sessions, preventing me from resolving the issue through normal support channels. Because the funds were available and the payment was properly authorized through the Sallie Mae application, this appears to be a payment processing or servicing error by Sallie Mae. This issue is particularly concerning because I have experienced similar servicing problems with Sallie Mae in the past. For example, Sallie Mae previously attempted to collect payments while my loan was in in-school deferment. When I initially contacted customer service about that issue, they disputed my claim. However, once the issue was escalated to a supervisor, Sallie Mae acknowledged the error and corrected the account. In addition to these servicing issues, Sallie Maes collection contact practices have been extremely difficult to deal with. When a payment is due or an issue arises, the company calls multiple times per day using an automated system. These calls do not allow the borrower to easily reach a live representative. In past situations when I attempted to call them back to explain when I would make my payment, it took hours of navigating automated menus and waiting on hold to finally reach a person. Even after speaking with a representative, the automated calls continued. Given these repeated servicing and communication issues, I am concerned about the accuracy of Sallie Maes account servicing and payment processing practices.

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 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I have a balance with bread financial threw XXXX. I made a purchase with XXXX XX/XX/year>. I returned the package XXXX sent me XXXX XXXX have confirmation that I will get a refund from XXXX. XXXX says I don't have a balance owed but bread financial still has me oweing a balance. I have a XXXX payment due XX/XX/XXXX and XXXX already have my return neither bread financial or XXXX got confirmation of my return from XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: WI

Complaint narrative:
On XX/XX/year>, XXXX unauthorized XXXX XXXX transactions were made from my account to a merchant called XXXX. I did not authorize these transactions, did not receive any goods or services, and I was not using my device at the time. These were fraudulent digital transactions. I reported the unauthorized charges to Chime immediately. On XX/XX/year>, Chime denied my dispute without providing any merchant evidence, device/IP logs, XXXX XXXX XXXX data, or any documentation used to make their decision. Their explanation only said they reviewed their systems, which is not sufficient under Regulation XXXX. On XX/XX/year>, I submitted a rebuttal with detailed information showing : The XXXX XXXX device ID does not match my device. The XXXX address does not match my location. I did not authorize any of these transactions. No merchant evidence was provided. No proof of delivery or digital goods received. I also requested the documents used to deny my claim, as allowed under Regulation XXXX. On XX/XX/year>, Chime denied my rebuttal and closed the case again without providing any evidence. I requested the documents again, and Chime responded that it would take up to 10 days to provide them. This means they denied my dispute and my rebuttal without having the evidence available at the time of denial, which violates Regulation XXXX. I am requesting that the CFPB require Chimes partner bank to provide the documents used to deny my claim, conduct a proper investigation, and refund the unauthorized transactions totaling {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
b'Apple Account Security Notice\n\n\n\nA pending transaction of XXXX made through Apple Pay has been detected on your Apple Account.\n\n\n\nThis activity appears unusual based on your accounts normal usage patterns. As a precaution, access related to this transaction has been temporarily limited while we complete a security review.\n\n\n\nIf you do not recognize this transaction, please contact the Apple Fraud Prevention Team immediately at XXXX XXXX XXXX XXXX to verify the activity and protect your account.\n\n\n\nPrompt action is recommended to help ensure the security of your Apple Account.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX XXXX denial of my fraud claim. On XXXX XXXX, 2026, I made a legitimate {$100.00} chip transaction at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, Texas, while my card was in the possession of the technician. Within approximately XXXX seconds, a {$300.00} charge was made via XXXX to XXXX in XXXX, XXXX XXXX miles away. Its physically impossible for me to have authorized both transactions simultaneously. Wells Fargo denied my fraud claim, citing that a chip was used. However, no PIN was entered and no signature was obtained. A chip transaction alone does not prove authorization, especially given the timing and distance. I request a thorough investigation of the timing, merchant details, and how the bank concluded this was authorized. I believe this situation was not sufficiently investigated.

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 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Szuba & Associates, PLLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have been garnishing our taxes for many years. We filed XXXX bankruptcy in 2009 together. We disclosed the vehicle as a nonpriority unsecured claim. The creditor has continued to garnish our taxes every single year since 2009. We have called on several occasions. Recently I XXXX XXXX XXXX filed XXXX XXXX it appears they have acknowledged my bankruptcy but are still continuing to go after my spouse. I must point out at this time I was the so person who took out this car loan. Not that that should matter at this point. The garnishment should have stopped in 2009. I want retribution for all the garnishment that they took since 2009 The collector has been in violation of the FAIR DEBT COLLECTION PRACTICESS ACT { FDCPA } and FEDERAL BANKRUPTCY LAWS

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: NY

Complaint narrative:
My son has been diagnosed with XXXX in XXXX. In XX/XX/XXXX, I applied for XXXX for him when he turned XX/XX/XXXXyears. A company called Direct Express issued a debit card for him. I was using the debit card to withdraw the money every month for him. I also downloaded the company 's app on my phone to access the transactions and balance. In XX/XX/XXXX, I forgot the password and after numerous tried the account was locked. I called Direct Express customer service to reset the password and the person I spoke to requested to talk to my son and he was asked if they can talk to me and he said yes. After I got on the phone the lady told me to hold on and she came back and told me my phone number does not match with my son 's social security number and will need his photo ID to verify the account. I told the lady my son does not have a photo ID. The account was subsequently blocked. Then I called customer service the second time and I was told to send his birth certificate and social security card to verify the account and after receiving the requested documents they send me an email saying they can not verify the account. I called another time and I was told to go to Social Security Administration to put my name on the account as a Representative Payee before they can talk to me. I did exactly what they told me, and a new card was issued to me with my name. But they refused to transfer the XXXX and XX/XX/XXXX XXXX payment into the new account. I reach out to them again and was told to bring my son 's ID card to verify the account, I took my son to DMV to apply for the state ID. I send a copy of the ID card to Direct Express and XXXX days later I received an email stating that they can not verify the account with my son 's government issued ID and further stated to go to my local benefit center for help. I called Social Security XXXX about the issue and was told that they don't have access to the fund and can not do anything, and only Direct Express is the XXXX who can help. I tried to get in touch with Direct Express on several occasions, but they never answered the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OH

Complaint narrative:
Validation of Debt Request - SOURCE RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
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 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 debts in.

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 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I am formally disputing the XXXX collection account related to XXXX XXXX XXXX XXXX. The balance being reported is {$4800.00}, which is inaccurate. My records indicate the balance should be approximately {$3000.00}. XXXX XXXX XXXX XXXX has not provided an itemized statement or documentation showing how this balance was calculated. Please investigate this account and require the furnisher to provide : An itemized tuition statement showing charges and credits Loan disbursement documentation A signed promissory note or agreement proving my responsibility A full accounting of how the balance increased to {$4800.00} If the furnisher can not provide documentation verifying the accuracy of this balance, I request that the account be corrected or deleted from my credit file.

Company response to consumer: Closed with explanation