vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX  continues to report inaccurate information on my credit report. The account is too old to remain on my credit report, and the dates reported are incorrect. I disputed this account with XXXX, and contacted XXXX  directly, but the account was not fully corrected or removed. 

Under the Fair Credit Reporting Act, information must be accurate and verifiable. I am requesting that XXXX  remove or correct this account immediately, and provide verification if they claim it is accurate. Attached are dispute confirmations and screenshots of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Last month ( XXXX ) my accout was debited {$100.00} without approval or notification. This month ( XXXX ) an amount of {$3000.00} was deposited into my account for rent and medical related out payment. Navy federal had restricted my option to move the money and within a day the debited the entirety of monies without informing me or my approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX was shut down back in XX/XX/year> right before my final testing and left me with the student debt therefore i didn't get to graduate because of the school shut down and XXXX  still has the student debt on my account. and will not take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: OR

Complaint narrative:
So cash app closed my account in XXXX and I had my account for over 10 years with no issues. Nothing happened with the account and one day it was closed and they said they can't tell me why, and nothing at all happened. I use cash app to pay my sons grandma for nannying, I use it for work as well. This isn't right. My cash app is XXXX XXXX XXXX it was closed I think in XXXX possibly XXXX legal name XXXX XXXX XXXX XXXX I had my account since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I formally reported that my Social Security number, drivers license, and all personal identifying information had been compromised to Wells Fargo on XX/XX/year>. Despite clearly identifying this as an active and critical identity-theft situation, no effective security alerts or account protections were implemented. 
On XX/XX/year>, I went in person to a Wells Fargo branch and met with XXXX XXXX, where I spent approximately one hour explaining in detail the severity of the compromise, the ongoing fraud across multiple institutions, and the immediate risk to my income. XXXX XXXX contacted XXXX in the Wells Fargo XXXX Department, and I personally reiterated the urgency of placing heightened security alerts and restrictions on my account. 
Despite receiving direct notice twiceonce by report and once in personWells Fargo failed to place any effective alert, restriction, or safeguard on my account. As a direct result of this failure to act after notice, my entire paycheck from XXXX was stolen within hours. 
This loss occurred after Wells Fargo had actual knowledge of the identity-theft risk and failed to take reasonable or timely steps to prevent further harm. The theft was foreseeable and preventable had appropriate fraud controls been implemented when the bank was notified.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: WA

Complaint narrative:
I play a game online where I deposit money well it was glitches and did not add my deposits to my game so those deposits are automatically returned to me and cash pp kept them after I had already repayed them for the overdraft I was waiting for the returned funds to come in and they kept them so they were paid 2 times for services I never received. Then they closed my account after returning only XXXX dollars out of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: OH

Complaint narrative:
On XX/XX/year>, I used my Citi bank credit card to make a payment to attend the XXXX of XXXX XXXX. The course is partially hybrid, and then there are XXXX in person class days. 

Students received student kits with items in them to help perform a hands-on practicum and demonstration over XXXX. I was missing several key items from my kit that forced me to fall behind in class. Although the missing items were later sent, they arrived too late for me to meet the required deadlines. 

In addition, the curriculum schedule provided to students did not align with the schedule followed by our instructor. This made it difficult to prepare in advance. 

I also experienced significant difficulty accessing the school 's online platform. Required instructional videos frequently lagged or were completely inaccessible, preventing me from watching the necessary videos that demonstrated needed for the hands on practicum. I then purchased USB disks with videos on them for {$150.00}, but those materials were never provided. 

Our typed-out hands-on practicum instructions were inconsistent to the videos our instructor would play for us in class. This made it difficult to perform certain tasks in the correct order. 

Due to the combination of missing materials, inaccessible or delayed instructonal content and inconsistencies in course delivery, I was unable to reasonably use the program as advertised and ultimately withdrew from the course, and did not complete it in its entirety.

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 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I visited my Truist bank at XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to deposit a check into my checking account. XXXX ( XXXX of the workers there ), helped me the first day, but because my permit was expired, he had to deposit my check an alternative way. I dont know the process he went through, but he did it relatively quickly, and said that my funds should appear the following day. 
That did NOT happen. So, I went back to the same branch on XX/XX/year> the following day, and asked for assistance with that. I dont have the names of the people who helped me the next day, but XXXX XXXX what seems like their XXXX. They seemed to be having trouble with it and a very short lady took my check into her office and started working on the computer, this took about ( XXXX minutes or so, and I went before my work shift, so I was about XXXX minutes late to work ). She then came back out around XXXX minutes later and told me that they got it fixed, and that my money should appear on my account from around the time I was there ( XXXX ), til midnight. She said that she could not give me a proper estimate, gave me my check and ID, and I left thinking I would get my money before my rent was due TODAY, and I still DO NOT have my funds, and I am about to lose my home.

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 2026-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am writing to formally dispute a series of unauthorized charges totaling over {$400.00} debited from my XXXX organizations bank account by the merchant XXXX. 
Since XX/XX/year>, I have contacted the XXXX Department several times to report these transactions. Despite these repeated attempts, the issue remains unresolved. 
Furthermore, XXXX issued a partial refund of {$40.00} without my authorization. I believe this was a tactical move to close the account and obscure the paper trail of the remaining XXXX charges. I did not agree to this as a final settlement. 
I am requesting that Bank of America and XXXX immediately investigate this pattern of unauthorized billing. I expect a full reversal and refund of every charge XXXX has taken from this 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 monetary relief
Consumer complaint received 2026-01-22 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: GA

Complaint narrative:
Someone was able to gain access to my paypal account. I saw a charge on my paypal account for {$440.00} that I never made or authorized. I immediately called my bank and filed a complaint with Paypal. Paypal is saying my claim is denied because it matches my purchase history. I have never made a transaction like this on Paypal so that statement is not true. I also did not authorize or make this charge. Paypals claim department has been horrible to work with. My money should be protected. I shouldnt have to worry about going through all of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
XXXXXXXX XXXX is a scam. They said I was 100 % covered by insurance for their services, then I get a charge for {$370.00} on XX/XX/year>. I spoke to Goldman Sachs, my Apple credit cards, customer service against and explain this was unauthorized, that they never had my consent to take out money from my account, that they lied, and I changed card numbers as advised by the customer service agent. Well on XX/XX/year> I am charged AGAIN for {$100.00}. I reach out to a customer service agent again explaining this is unauthorized, that we charged my card number so how was this possible, ect. Basically they told me that they were able to pull money because I changed the physical card number not the virtual one so I was misguided by the original customer service agent.

At this point I have disputed this with them at least 5 times and Goldman Sachs keeps denying me and said " We've reviewed your dispute and any additional information shared. Following this review, the original decision remains because our records indicate that the transaction was authorized. '' I have explained to them over and over that this was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX [ XXXX, XXXX ] XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] Dear [ Hunter Warfield Inc ] , I am writing in response to the recent communication 1 received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information to substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including the dates and amounts of all transactions or charges. 
4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor.

Please note that under the FDCPA, you are required to cease all collection activities until you provide the requested validation of the debt. This includes but is not limited to contacting me by phone, mail, or any other means of communication. I also request that you provide a written statement confirming that the alleged debt will not be reported to any credit reporting agencies until the requested validation is provided. Should any negative information be reported, I will take appropriate action to dispute the accuracy of the reported data. I expect a prompt response to my request within 30 days from the date of your receipt of this letter, as stipulated by the FDCPA. Failure to provide the requested validation within the specified timeframe will be deemed an admission that you can not substantiate the debt, and I will consider the matter resolved in my favor. Please send all correspondences and documentation related to this matter to the address listed above. Any communication or collection attempts made outside of the written response to this validation request will be considered a violation of the FDCPA. Thank you for your immediate attention to this matter. I trust that you will handle this request in accordance with the applicable laws and regulations. 
Sincerely. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: EdFinancial Services
State: CA

Complaint narrative:
I have tried to pay TWICE on the edfinancial site and both times my payment have gone to processing and then disappears without a trace XXXX days after that. My interest accrued keeps going up because you guys are refusing to accept my payment. Please stop reversing the payment I am just trying to pay off my loan and you guys are not letting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am attaching the letters sent to the debt collector and their response to my request for proof of their entitlement to enforce the debt using any method of collection. In summary, their response failed to meet the standards of the lawful request to receive disclosure of this proof. I provided a legally competent, clear, and narrow request for specific documents that are reasonably understood to exist according to the laws governing the transaction. If these records are not available for verification of factual events leading to the debt collectors entitlement, I am not liable for paying this party. This means they lack any standing to take legal actions they can not lawfully take without such established power. The original creditor on this debt is shown as an address and not the name of any company, therefore no company is named in this complaint other than the one claiming they have lawfully obtained the right to demand payment from me. I don't know either of these entities shown as original creditor or collector. I have not received any authoritative records telling me who has the right to demand any payments from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Issue : Collection account on my credit report Company : CREDENCE RESOURCE MANAGE Account Number : XXXX Date Opened : XX/XX/year> Balance : {$900.00} This collection account is not mine. I have never opened an account with Credence Resource Manage, and I have never received any letters or notices about this debt. 

I am requesting an investigation and verification of this account. 

Under the Fair Credit Reporting Act ( FCRA ), if you can not validate this debt, it must be removed from my credit report immediately. 

Please provide proof of the debt and any supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App closed my account saying I was gambling but I wasnt only thing I do on there is send my nephew money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
The company is XXXX XXXX XXXX XXXX XXXX XXXX  They had been sending bills to the wrong address for 4 years in attempt to collect payment from me. They took part in this despite knowing my address was already changed at the XXXX. The Address they sent it to was an address that I had as a XXXX. The address that I live at now was the same as the one in the XXXX. 

XXXX was XX/XX/year> This is the first time I have heard about this money owed. I had an accident back then and now I am being contacted by a company named SIMM.

I want to resolve this immediately. I had no idea they were sending these letters. This is the first time I was contacted in all the time that there was money owed. I can provide any information regarding this.

Also, I did have a legal name change. But this wouldnt effect my address because it was the same as it is now and at the time of the date of service.

The main point is, I had zero idea that they were sending me letters to collect money. Had I would've know, I would have sent them my insurance. But I had No Idea they were trying to collect money. And now here we are 4 years later and this is the first time I am hearing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Apple Card not sure when it was open but when trying to apply for one it stated I had one and when I check XXXX  its on my report. I feel my ex boyfriend open this account with out my knowledge he had access to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management repeatedly contacted me and threatened legal action and wage garnishment if I did not pay, despite having no court judgment. As a result of these threats, I made multiple payments under coercion. I requested documentation proving Midlands legal authority to collect and substantiate the debt, but no such documentation was provided. Midland continues collection activity and credit reporting despite these unresolved issues. A formal pre-litigation dispute letter has been sent concurrently and is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am formally disputing inaccurate, misleading, and unfair information reported about me by ChexSystems , Inc. 

ChexSystems is reporting a negative record labeled as Account Abuse, which is factually incorrect and unsupported by the actual circumstances. 

I deposited a check in good faith through my bank branch. The bank teller reviewed the check, the ATM accepted the deposit, and the bank approved and released the funds without raising any concern or suspicion. Several days later, I was notified that the check was allegedly fraudulent. 

As a consumer, I am not a bank, a financial expert, or a verification authority. I had no ability, tools, or legal responsibility to determine whether the check was authentic. The responsibility to verify deposits before acceptance and before releasing funds lies solely with the bank. 

ChexSystems is reporting this negative item without independently verifying its accuracy, without providing supporting documentation, and without accounting for the fact that I acted entirely in good faith and followed all bank instructions. 

The continued reporting of this item violates the Fair Credit Reporting Acts requirements for accuracy, fairness, and reasonable investigation. This inaccurate record has caused severe and unwarranted harm to my financial reputation. 

I am requesting that ChexSystems immediately delete this inaccurate and unfair record from my consumer file and provide written confirmation once the deletion is completed.

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