vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
On XX/XX/XXXX - XXXX requested Full validation of the debt Midland Credit to EXXXX XXXX and XXXX  XX/XX/XXXX- I Recd a copy of a statement from collection company Midland Credit, stating debt. 
XX/XX/XXXX - I received an Update pull on credit bureau, identifies the above debt not only not being fully validated but also showing several violations in reporting between the XXXX credit bureaus ie. Inconsistencies in " Date of Last Activity '', " Account Status '', " Payment Status '' XX/XX/XXXX - I Sent another request for full validation to the 3 credit bureaus listing data needed, and stated violations. 
XX/XX/XXXX XXXX sent an Additional request to Credit Bureaus for validation XX/XX/XXXX XXXX Sent request to XXXX credit bureaus requesting to remove duplicate accounts of XXXX 
XX/XX/XXXX - I Received Investigation request from TransUnion, verified as " Accurate '' XX/XX/XXXX - XXXX Recd updated copy of all XXXX credit bureau " Midland Credit, continuous reporting inaccurately. XXXX was corrected XX/XX/XXXX - XXXX Recd letter from XXXX verifying account was sent to collection agency " Midland Credit Mgmnt '' XX/XX/XXXX - Midland Credit Management - Currently still inviolation of inaccurate reporting after considerable request,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: VA

Complaint narrative:
Keep getting contacted regarding a debt that I've notified the property and several collection agencies that it does not belong to me. I have attached the letters that were sent to the collection agency and property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a complaint against Bank of America regarding the mishandling of a prepaid account fraud claim involving a misdelivered and fraudulently cashed check. 

Consumer Information : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX Account Information : Account Number : XXXX Check Information : Check Number : XXXX Amount : {$8400.00} Mailed Date : XX/XX/year> 2025

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 2026-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am filing a follow-up CFPB complaint against Solar Mosaic LLC , Solar Servicing LLC , and their agent XXXX XXXX XXXX for unauthorized ACH debits, false delinquency, and wrongful debt collection. 

Mosaic increased recurring ACH autopay amounts without my authorization in violation of the Electronic Funds Transfer Act. This caused partial payments, which Mosaic then falsely treated as delinquency. Despite written disputes, Mosaic failed to address ACH authorization and continued collection activity. 

While the account was in active dispute, Mosaic referred the account to XXXX XXXX, which issued a debt collection notice falsely stating the account was past due and demanding payment. This constitutes wrongful collection arising from a known servicing error. 

I am requesting : Immediate correction of account status to CURRENT Written confirmation that no delinquency exists Reversal of all fees and charges Cessation of collection activity Investigation into unauthorized ACH practices and false delinquency reporting Review of the loan for cancellation or rescission due to systemic servicing misconduct This complaint is directly related to a previously filed CFPB complaint and reflects a continuing pattern of non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding fraudulent information being reported about me through Early Warning Services ( EWS ), which is preventing me from opening a bank account.

I am a victim of identity theft. An account was opened and/or reported under my name without my knowledge or authorization. I did not open, authorize, or benefit from this account.

I have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and obtained an Identity Theft Affidavit. Despite providing notice of identity theft, the fraudulent information continues to be reported in my Early Warning Services file. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, consumer reporting agencies ar
e required to block fraudulent information resulting from identity theft once proper documentation is provided. Additionally, under Section 611, inaccurate or unverifiable information must be removed after reinvestigation. 

XXXX  and/or the reporting financial institution have failed to properly block or remove this fraudulent account, which is now causing significant financial hardship by preventing me from opening a basic checking account.

I am requesting the following : Immediate blocking and removal of the fraudulent account under FCRA 605B Written confirmation that the information has been permanently deleted The name of the financial institution that furnished this information Documentation showing how this account was verified despite my identity theft report I am requesting prompt compliance with federal law and immediate correction of my consumer file. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NV

Complaint narrative:
Previously Closed Account Now Being Reopened with a false amount and date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am sick of this company and their XXXX. I have filed numerous complaints and appeals. CFPB has sued Cash App and won. Cash App continues to deny my claim and canceled my account. I am tired of calling them and calling CFPB and getting nowhere. Their customer service is completely XXXX. They do not understand XXXX. They do not resolve the issue and neither does CFPB. I am fed up. Who Do I contact? The company does not resolve. The government does not resolve. Both continue to allow this fraud to continue. I expect an email from CFPB with resolution immediately. I am tired of being blown off by both of you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recognize the purchase of a living room furniture made with my XXXX XXXX XXXX credit card. 

About 12 months ago, I contacted XXXX regarding a repair under the protection plan. XXXX allowed the person who received the furniture ( who is not the cardholder or an authorized user ) to choose to receive a refund by check in his name instead of crediting my card. 

XXXX told me that the receiver had the same rights as me, the cardholder. However, I never authorized any refund to be paid to a third party, never signed or cashed any check, and never agreed to give my credit card funds to someone else. 

The furniture was returned, but the refund was not applied to my credit card. XXXX kept the furniture, the third party kept the money, and my account still shows a remaining balance of about {$1700.00} despite ongoing payments. 

My billing dispute was denied without a clear explanation, and my calls were disconnected twice when I requested to speak with a supervisor. 

I am requesting a reinvestigation and proper credit of the refund to my account.

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 2026-02-11 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: CA

Complaint narrative:
On XX/XX/year>, I discovered that {$1800.00} had been removed from my Cash App account without my authorization due to an account takeover. 

A verification code was sent to my phone, but I did not view, enter, or approve the code, and I did not authorize any transactions or account changes. I have never logged into my Cash App account on another device, nor have I shared my login credentials or access with anyone. 

Despite having security features enabled, my account was taken over and the funds were withdrawn without my consent. I contacted Cash App and filed a dispute on XX/XX/year>. Cash App acknowledged the dispute but has not explained how the account takeover occurred or resolved the unauthorized transactions. 

I am requesting reimbursement of the {$1800.00} taken from my account and a full explanation of how the account takeover occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
O brought a car on XX/XX/XXXX paid on XX/XX/XXXX the car note is not due until XX/XX/XXXX28 payment date still have not updated I paid XXXX plus the fee of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I have had a loan for my XXXX through Santander. I recently went to XXXX to lease a new car, and XXXX was going to pay off my current loan with santander built into the lease deal. 3 days after the lease deal was signed by all parties, XXXX cancelled the deal, unwinding everything. However, after the deal was already cancelled, XXXX continued with paying off the loan through Santander. By good faith, I immediately informed all parties. My loan showed the balance paid off and I spoke with several reps multiple times, all who told me the loan had been paid off in full and could not be reversed. I do have one conversation with a rep recorded saying exactly this, as well as a confirmation letter in writing from another repXXXX Because I relied on this information, I made another significant purchase after the fact. Over a week later, Santander informed me the loan was reinstated. I told them multiple reps assured me this loan was irreversible, and because of that I am now in financial harm because I relied on that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I filed for loan forgiveness in XXXX, received a letter from department of Education stating that my loans were forgiven and transferred to Aidvantage on XX/XX/XXXX. I called and was told it could take anywhere from XXXX months to receive my refund. I received another letter on XX/XX/XXXX stating that my loans were XXXX. After multiple calls to Aidvantage, borrowers defense, and student aid, I was told the delay was on Aidvantages end. I was given various responses that my refund wasnt able to be tracked even though my accounts all reflect negative balances. I was told by borrowers defense that no changes have been made or updated since XXXX. I have reached out to a supervisor at aidvantage and she claims they are waiting on approval but there wasnt a specific timeline or anything I could do but wait. Meanwhile my accounts on student aid say {$0.00} balance and that it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I would like to close my account. I received the card in the mail and tried to activate it. I call and they say my account is locked and I need to send in docs to verify myself. I mailed copies of my ssn, front and back, drivers id, and a chase bank statement. This was mailed on XX/XX/XXXX. I called them back this week and they said they never received this and they need to have me resend. This is extremely frustrating since these documents are very sensitive. I verify my information over the phone again and they can not close the account still. I have spoken to them 3 separate times about closing the account and they will not. I call in and verify my name, dob, address, phone number, ssn and that is enough for them to close the account.

On top of all of this the woman I speak to is extremely rude and talks over and does not answer questions. I want this account closed and they will not close it. It feels like a scam so they could wait til the holding period is up so they can charge me the {$100.00} annual fee. This is a frontier card that is run through Barclays bank.

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 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXXThis started with my looking for a differential for my carXXXXI found a company on facebook selling a part i had wanted they requested XXXX they created an invoice and everything i had paid through Cash AppXXXXt transaction was XXXX XXXX, transaction number: XXXXXXXX XXXX XXXX XXXXAfter this they used a fake shipping company, to create a shipping label and number and everything this company was, guardian paws trackingXXXXCompany detailsXXXXWebsite: XXXXContact number listed on website: XXXX XXXXContact email listed on website: XXXXAdditional support number i was given: XXXX XXXX XXXXThis company had requested that i pay an entirely refundable charge of XXXX I had payed this after some time had past.\n\ntransaction number: XXXX XXXX XXXX XXXX After I had payed this i knew it was a scam with very little trust for either as they requested an additional XXXX My orginal merchant had said he would cover almost all of it and that i only need XXXX.I had paid with little hope in my heart.\ntransaction numberXXXX XXXX XXXX XXXX XXXXSince then all three contacts (XXXX, and both numbers) have blocked me and have stoped respondingXXXXAll payments were done through cash app.XXXXI have contacted Cash Apps support team on a XXXX  level and ive basically got a suck it up your moneys gone, i want them to track all purchases and refund my money i feel thats fair and almost all other debit companies can reverse fraudulent purchases.Ive stated the severity and as a poorer XXXX  year old who just needed a car part to make it to school in the snow this has been met with much resistance.emailing me back genaric scripts and ignoring major details of my telling. Thank you for your timeXXXXsincerelyXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
LVNV FUNDING LLC Last reported XX/XX/year> {$220.00} not my debt please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XXXX  the XXXX there was nothing on my credit. Then on the XXXX I receive a notification about my credit score hit my credit score went down XXXX points on my. Then it says Im 130 days late. Sloan Servicing never send me a letter saying Im late or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased four USPS shipping label through PayPal Shipping Center and immediately voided them. USPS refunds for voided labels purchased through PayPal are issued back to PayPal, since PayPal is the merchant of record.

The refund was never credited to my PayPal account. As of XX/XX/XXXX, more than XXXX months have passed. 

I contacted XXXX customer support and was incorrectly instructed to contact XXXX. I contacted USPS, and a USPS representative confirmed they can not assist because the label was purchased through PayPal, not USPS directly, and that any refund would be sent back to PayPal.

PayPal has failed to locate or credit the refund, despite being the merchant of record and responsible for issuing the refund to the customer.

I am requesting that PayPal either ( 1 ) locate and apply the refunded funds from USPS, or ( 2 ) issue a manual credit to my account for the voided USPS label. 

The XXXX labels in question : Tracking number, Shipping label transaction ID XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I disputed a transaction from " XXXXXXXX XXXX XXXX XXXX XXXX XXXX for services not received. Capital One denied the dispute based on the merchant 's claim that I " failed to cancel, '' ignoring evidence that the merchant ( XXXX ) abandoned the contract first and ( XXXX ) made cancellation impossible.

1. Abandonment of Contract ( Services Not Received ) : I prepaid for a package of 4 scheduled lessons for two kids.

The first lesson was canceled due to rain.

Merchant Failure : Despite the lessons being " pre-scheduled, '' the merchant failed to follow up or send instructors for the remaining XXXX lessonsThey effectively abandoned the contract immediately after taking payment. 

Final Failure : After weeks of my chasing them, they finally scheduled a lesson for XX/XX/year>. They failed to show up ( XXXX ). I provided Capital One with a XXXX XXXX XXXX summary proving I was at the location waiting for them when my child was injured. Capital One ignored this proof of the merchant 's failure. 

XXXX. Unfair Barriers to Cancellation ( UDAAP Violation ) : The merchant 's cancellation policy is a " trap. '' I attempted to cancel and request a refund multiple times via voicemail and phone calls to their sales and scheduling lines.

The Barrier : The merchant refuses to answer phones or return messages. It is impossible for a consumer to " properly '' cancel if the merchant creates a communication blackout.

Capital One is penalizing me for not receiving a " cancellation confirmation '' from a merchant that refuses to speak to customers after taking their money.

3. Deceptive Disclosure : The merchant concealed their strict cancellation policy inside a liability waiver sent 10 days after the transaction.

Capital One is allowing a merchant to retain funds for services they never provided and for a contract they made impossible to cancel. I request a full refund of {$970.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XX/XX/year> {$1200.00} it's my dad check have to pay rent or will be evicted because of this none sense. Will be calling the bank around see what's going on. Capitol one bank put hold on my father check that deposit in the through the atm. I have XXXX  days to pay the rent. This not good

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SERVICEMAC, LLC
State: MI

Complaint narrative:
I am not sure who the complaint should be on. It may be a complaint on both the lender and service provider. I am in the process of closing on my home. My title company reached out to XXXXService Mac two weeks ago for a pay off statement. I was able to receive my second mortgage pay off with HUD Partial Claim the same day. XXXX never responded to my Title Company. On Monday, XX/XX/year>, my Escrow Officer with the Title Company asked me to join her on a three way call with the Mortgage Company to see if we could get the payoff statement. The representative from XXXXService Mac told me that I will have the payoff statement the next day. Well, the next day, XX/XX/year>, no statement and told that we have till wait until the next day. In addition, we were ridiculed and shamed for being delinquent for 40 days. I ended up asking to speak with a supervisor and was subsequently told that I may receive it tomorrow and that they were waiting on the second mortgage payoff. I immediately told the supervisor, we already have the second mortgage payoff statement and we need the 1st mortgage payoff. She went on to tell me that they are Service Mac and it went over to XXXX because of the delinquency. I told the supervisor that the delinquent amount will be paid off with the total amount. She said it had to be written up and it won't be ready until it is ready. I asked her with the digital way of life and AI, it should not take two weeks to generate a payoff statement. The supervisor agreed. I asked for the number to XXXX because the number I dialed and individuals that answers greet with XXXX. She told me there is no number for XXXX and I can only speak with Service Mac. I had to close in escrow today waiting for the payoff. This has immensely impacted me and my family 's life. Out struggles began during Covid-19 which cause a lot of financial issues with my husband 's health and employment. My husband is now laid off and we are moving. This is unfair practices and I feel is done intentionally. I am concern that is targeting behavior.

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