vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account last four social # XXXX I am unaware of this debt and did not have the opportunity to dispute this account. If you believe you have sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account from my report as soon as possible or I will take legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX sent a XXXX cash app refund to XXXX XXXX a hair stylist.but Eve was not able to do my mother hair which is XXXX XXXX, which was her money.eva XXXX showed proof of refunding the money we called cash app and cash app clearly can see the refund for XXXX from XXXX XXXX, they gave XXXX different excuses why the money was not refunded. At first they told me Monday it'll be in but Monday was a holiday so possibly today which is Tuesday XXXX the XXXX now they're telling me oh wait XXXX business days but I stated that that ain't true because I have refunded money several times and never had a problem getting my refund the same day. So they just made up a lot of excuses why they couldn't give me press the button and send it to my bank they're keeping the money I have ran across several other people that said they had the same problems out of cash app and it's {$95.00} that's no small amount to me I have grandkids and kids that I have to feed and now I have to try to find other means

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I needed to pay a bill through XXXX, but I found out USAA had a burdensomely low daily limit of {$1000.00}, less than half of other banks. I called customer service to raise this limit, but they refused to do so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: NCB Management Services Inc.
State: MI

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
Contacted One Main I am submitting this complaint regarding multiple accounts that are being reported as charged off and/or in collections, despite the creditor or debt collector failing to disclose whether a Form 1099-C ( Cancellation of Debt ) was issued.

Under IRS regulations, when a creditor issues a Form 1099-C, the debt is considered canceled, and the creditor may no longer attempt to collect the debt or report it as an outstanding obligation. Continuing to report or collect a debt after cancellation is misleading and violates federal consumer protection laws.

I have reason to believe that one or more of the charged-off accounts reported on my credit file may have been canceled and reported to the IRS, yet the creditor and/or collector has failed to provide confirmation or a copy of the corresponding 1099-C.

Despite my disputes, the companies involved have not : Confirmed whether a 1099-C was issued Provided copies of any 1099-C forms related to the charged-off accounts Corrected or deleted credit reporting to reflect cancellation of debt This conduct violates : FCRA 607 & 611 Reporting inaccurate or misleading information FCRA 623 Furnishing information known to be inaccurate FDCPA 807 Misrepresentation of the legal status of a debt ________________________________________ Requested Resolution I am requesting that the CFPB require the companies involved to : 1. Disclose whether a Form 1099-C was issued for each charged-off account 2. Provide copies of any issued 1099-C forms 3. Immediately delete or correct any credit reporting for debts that were canceled 4. Cease and desist all collection activity on any debt that was canceled or discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Complaint against JPMorgan Chase Bank, N.A Issue : Wrongful retention of cleared funds after acct closure I am filing a complaint against JPMorgan Chase bank for unlawfully retaining funds from deposited checks that have fully cleared with no lawful justification explanation or timeline for release XX/XX/year> XXXX checks Ck # XXXX for {$5000.00} and XXXX # XXXX {$5000.00} XXXX # XXXX {$160000.00} on XX/XX/year> Totaling {$170000.00} were deposited into an acct for XXXX XXXX XXXX, Chase accepted the deposits and the checks have cleared and settled, meaning Chase received the funds from the issuing bank. These checks were not returned unpaid, reversed or disputed by the payor banks. 
Despite the checks having cleared, Chase subsequently closed the account and has continued to hold the cleared funds for over 70 days, Chase representatives have repeatedly stated they " can not identify the Maker of the check " without providing any written explanation, legal basis, or description of what information is allegedly missing. 
This explanation is not valid. Chase has provided no evidence of a returned item, fraud claim, court order, or legal restrictions, that would justify continued retention of these funds Holding these funds without explanation constitutes wrongful retention and appears to violate the Expedited Funds Availability Act I am requesting that CFPB require JPMorgan Chase to XXXX Immediately release and remit in full cleared balance to XXXX XXXX XXXX XXXX. Provide written explanation citing the precis legal authority relied upon for the holding clear funds beyond standard availability periods XXXX. Confirm where this hold is related to any alleged XXXX or fraud concerns and, if so, provide the statutory basis for continued retention. 
Chase had had more than sufficient time to resolve this issue and continuing to hold cleared funds without cause is causing significate financial harm and is unacceptable I respectfully request CFPB intervention to compel Chase to return the funds without further delay. 

Thank you XXXX XXXX XXXX of Directors XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, my car was towed from my apartment even though I had legal parking rights. I paid {$310.00} with my debit card because the tow company would not release my car unless I paid. I did not voluntarily authorize this payment it was made under duress. 

I disputed this charge with Wells Fargo on XX/XX/XXXX and was given a provisional credit. Later, Wells Fargo reversed the provisional credit. 

I contacted Wells Fargo again on XX/XX/XXXX to dispute the reversal and requested that the provisional credit be reinstated. I explained that the payment was made under duress and that I had parking rights at my apartment. The representatives said it was a legal issue and refused to reinstate the credit. 

Wells Fargo did write a note in my case documenting that I paid under duress, had parking rights, and requested reconsideration of the provisional credit. 

I have not contacted the tow company directly. I am requesting that Wells Fargo reconsider the dispute and reinstate the provisional credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
My escrow! You do an analysis on my account last XXXXXXXX XXXX  you raise my payment and now do it again now! I don't understand why just in six months you raise it again. I don't appreciate it all all! You claim to do this once a year and now again. Your suppose to save me Money no cost me more! Not a happy customer! I'm not taking this sitting down! You charge me and don't have the curtesy to tell me why first! I will not pay this until you show me why. I don ' want a lame excuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Credit Card Receivables Fund Incorporated
State: NJ

Complaint narrative:
Asked my employer for pay stubs and visited my place of work.Wage garnishment from 2010 credit card I never used and was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX failure to conduct a reasonable investigation and its continued furnishing of inaccurate and inconsistent credit information. 

XXXX XXXX XXXX is reporting the same alleged XXXX account inconsistently across consumer reporting agencies. On XXXX, the account is reported as open with a future verification and activity date of XX/XX/year>, while XXXX  and XXXX  report the account as closed. Reporting future activity or verification dates is factually impossible and renders the information inaccurate. 

The account is also marked as account information disputed by consumer while simultaneously reported as verified, without any documentation demonstrating that a reasonable investigation occurred. 

XXXX XXXX XXXX has not provided : Proof of its legal authority to collect or report this account Documentation substantiating the {$520.00} balance A complete account history from XXXX The Date of First Delinquency used for reporting purposes Any explanation for the inconsistent open/closed statuses across bureaus Verifying and continuing to report inconsistent and future-dated information without reviewing or producing supporting documentation indicates a failure to reasonably investigate and results in inaccurate credit reporting that continues to harm my credit profile.

I selected Debt was paid only because the CFPB form required a selection. I am not asserting payment as a defense. My complaint concerns inaccurate and unverifiable credit reporting and a deficient investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: NE

Complaint narrative:
About XXXX years that I applied for a Home Equity Loan at PenFed ( Acct # XXXX ) However, I never borrowed a penny. 
A few years later I asked to close it -- didn't need it, didn't want it. I asked multiple times over the past years to close it. 

Several years ago I received a statement from PenFed claiming I owed them hundreds of dollars because they had insured my house. After much aggravation and proving to them that I had never let my insurance laps on my house, only that I had switched insurance companies at that time, they finally dropped their duplicate, unnecessary, unwarranted insurance. 

Apparently I am so stupid to think that if there was anything a company thought I wasn't complying with, that they would cancel the policy, but PenFed does whatever they want to keep themselves " risk-free '' at my expense, even though I never borrowed a penny from them, so they had nothing at risk. 

Following that incident, I again asked PenFed to close my account. I was routed around to several people/departments but finally I was assured it would be closed. Unfortunately, not thinking that it wouldn't be done straight-forwardly, I didn't write down that person 's name nor employee number. 

Now I found out it still hasn't been closed and now PenFed is putting hazard insurance for over {$3200.00} on my house. I called PenFed last Friday after having received this notice to again tell them my house was fully insured, I didn't want nor need their insurance, and again requested to close my account. 

First I got XXXX ( don't know her employee # ) who assured me she would get a supervisor to talk to me, but after waiting on the phone for almost XXXX minutes it disconnected me. 

Next I got XXXX ( XXXX # XXXX ) who was nice and transferred me to the mortgage dept to XXXX ( XXXX # XXXX ). After telling him I wanted to close my acct he verified that I had not borrowed any money, but said the account could not be closed because I owed {$10.00} to remove the lien PenFed had put on my house. 
I told him again I never borrowed anything from PenFed -- but he said I agreed to the lien. I told him I never agreed to any such thing, that a lien is put on a property when something is owed. I asked to talk to a supervisor. He said none was available, but one would call. Nobody has called. 

What's really bizarre is that in all their mailings to me each year to promote offers of loans, they are spending more than {$10.00} just to keep the account open. Apparently, they make money forcing people to buy their insurance, so even if they have XXXX liability on a HELOC that was never exercised, they can charge thousands on insurance. There's got to be a law against that. 

CAN YOU HELP ME GET THIS XXXX LOAN CLOSED?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
CREDIT CONTROL , LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT CONTROL , LLC 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
The rental company titled XXXX XXXX XXXX - owned by XXXX XXXX- decided to charge my husband and I {$500.00} upon moving out. We left the apartment in tiptop shape, cleaned, and while taken care of. We left some food items in the fridge, primarily sauces, because we had a flight to catch the same morning that we were meant to move out. I explained our circumstances to the leasing team which frankly did not care or show any compassion. Nonetheless, from the very beginning, I told them that I was open to paying them something but {$500.00} was an exorbitant amount given that the unit was left in perfect condition. Not to mention, that we had had mold and rat problems to where our dogs and my husband fell very, very sick. Which is the reason why we were moving. We should have sued over how they handled the situation, but did not because they allowed us to break our lease early without any termination fees. 

They did not want to budge when it came to the {$500.00} move out fee, and therefore, I decided to take it up with the parent company XXXX XXXX. I was told multiple times over the course of months that the investigation was ongoing and they were in communications with the apartment complex XXXX XXXX. I was told multiple times is that someone would reach out to me to inform me of any findings and/or decisions. This of course did not happen, and the {$500.00} was sent to XXXX collections. A trash debt collection agency. I only found out about this by going through my credit report, this charge has significantly impacted my credit. I have since tried to contact the collection agency numerous times, having left various voicemails. And they have yet to answer. I would be happy to settle the debt for a pay to delete, so that I can finally have this removed off of my credit report. I have expressed this in the various voicemails I have left them, and no one has contacted me, and it has been weeks. Not sure how they ever expect to get their money back if they wont answer the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
On XX/XX/XXXX I submitted a reconsideration/buyback request form, as directed by customer service, regarding my PSLF. I need XXXX months of payments made to receive loan forgiveness and due to federal court injunctions my loans were placed into forbearance which was done out of my control. As a result, it delayed my ability to get loan forgiveness, as I have complied with all guidelines required for this program over the last XXXX years. The claim number I received for the request I made on XX/XX/XXXX is XXXX and I submitted an additional request for the same thing in XXXX of XXXX because I was skeptical that Federal Student Aid was truly reviewing my claim. I have called customer service numerous times to include most recently today, XX/XX/XXXX, and each time I am told that it is under review and that my claim has been escalated. I have also been told the average time to review and receive a decision is XXXX business days. It has been nearly XXXX months. In my humble opinion, XXXX months to complete a review and provide a decision for a claim that is escalated and under review is beyond unreasonable. There is no way to validate any of the information I am being told and no way to track progress in the studentaid.gov portal which is further aggravating. I would like to move forward and request loan forgiveness and be able to buy back the XXXX months I need to do so but I am not getting anywhere with Federal Student Aid. Its starting to feel like they are intentionally delaying a decision or review to prevent me from receiving loan forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding fraudulent accounts appearing on my credit report. The following companies are reporting accounts that I did not open, authorize, or have any relationship with : XXXX XXXX / XXXX XXXX, XXXX XXXX, and XXXX XXXX. 

I previously disputed these accounts with the credit bureaus. The bureaus responded that the accounts were verified or updated, but no proof was provided that I authorized or opened these accounts. 

These accounts are the result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission and have documentation to support my claim. 

I am requesting that these companies immediately close the fraudulent accounts, cease reporting them to the credit bureaus, and remove all associated information from my credit reports in accordance with the Fair Credit Reporting Act, including FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: AL

Complaint narrative:
AMERICAN PROFIT RECOVE is falsely reporting on my credit. I have never had any accounts with them. Per my research AMERICAN PROFIT RECOVE 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
The minimum payment covers the monthly charge interest calculated from the amount owed. I made a payment to cover the minimum payment and the monthly interest. A few hours later, I schedules XXXX more payment, which should have been directed to decrease the principal, but goldman sachs charges more interest on each extra payment. They are getting away with scamming people because their staff repeats the same script over and over to make people feel crazy. 
The amount of interest for each month is based on the amount owed, and the minimum payment includes the monthly interest. Once the minimum payment has been covered, any and all additional payments must be directed to cover principal, yet they continue to skim more and more for " interests ''. 
They are scamming Apple Card users.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: IN

Complaint narrative:
Unknown transactions posting on account under XXXX. Card compromised. Transactions are for {$330.00}, {$550.00}, {$550.00} and {$400.00}.

Company response to consumer: Closed with explanation