vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: DE

Complaint narrative:
I opened a credit builder account with Self Financial Inc XX/XX/XXXX using my information which was approved and opens by the company. Since then ive made payments which they proceeded to process without knowledge or notice from company that they were not able to verify my information. My debt card used to fund the account was charged and completed yet they claim that they could not verify my information. On XX/XX/XXXX I received an email that my credit builder account was closed due to unverifiable information and because of this my credit score has dropped since they hard pulled and reported to the credit bureaus. Ive called and asked why was my account and was told that my information was unverified. I asked why didnt anyone contact me before closing my account, why wasnt I contacted before my money was taken from my physical bank account, why was the account opened if the company wasnt able to verify my information during the application process, why did you continue to accept my ACH deposits if in fact the information provided from me was unverified. None of my questions were answered and the only thing the customer service representative said was that the account was closed by one of the supervisors and that I cant talk to them. I proceeded to ask will my money be refunded and will they report to the credit bureaus that my account was closed due to creditor error, identity verification failed not caused by consumer and negative report was inaccurate. I was told by the representative that I wont get all of my money back because I signed a contract/document saying if I closed the account all fees will be deducted. I told them I didnt close my account and that no one gave me time or advised me that my information was unverified or incorrect for me to have a chance to fix it. I continued to ask to speak to a supervisor and was told that I cant be transferred to one nor could she tell me what information was not verified because she cant disclose that information due to confidentiality but its my account we are talking about. If my info was wrong why would they open the account, take my money from my physical bank account via XXXX and why didnt they contact me if they werent able to verify my identity/ information when in the beginning of the application process they ask for my identification number and picture as well as my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
Dobberstein Law Firm LLC are suing me in court on behalf of XXXX XXXX XXXX who purchased a debt and never notified me of the debt. I was unaware the debt had been sold from original creditor XXXX XXXX XXXX until I got papers sent to a friend 's house instead of my own. It also seems that the XXXX XXXX XXXX and Dobberstein Law Firm LLC share same address and phone number but conveniently a different suite number was given by the law firm for XXXX XXXX XXXX to the clerk of courts. I was not notified by the creditor who purchased the debt to give me an opportunity to avoid a lawsuit instead papers were sent to an address I don't live at even though they had copies of loan contract with my current address on it. I reached out to law firm for proof of service that they did due diligence to contact me via my home address or mailing address and was told they probably don't still have even though I am being charged a process server fee which means they should have proof of affidavit that information was sent to my home and mailing address just like they do for the information they mailed to the wrong address. It seems like this was deliberately down to avoid me the opportunity to be properly notified just like their client did when they purchased the debt from the originally creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: NY

Complaint narrative:
WESTLAKE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AR

Complaint narrative:
On XX/XX/year>XXXX  I made a donation via CashApp to a XXXX XXXX XXXX for missionary friends on the island of XXXX which was being struck by a horrific hurricane. The funds were never deposited into the donation organizers account and both accounts were suspended. Over the past 3 months I have contacted CashApp 5 times in order to be able to access these funds and close the account. Each time I am assured I will be contacted through email and this matter will be resolved. I never receive any emails and CashApp continues to hold my money while refusing to allow me to withdraw said funds. 
The donation organizers CashApp account has now been reinstated and he is able to withdraw his funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
Of the month between XXXX XXXX  called the creditor by the name of Ashmer Collection Service and on that date, they informed me they no longer have my account of XXXX as of XX/XX/XXXX, XXXXfor XXXX., and they don't know why it is showing on my credit report. They informed me to call XXXX the originally credit company. I called the company that same day and they informed my they do not have my account anymore that Ashmer Collection has my account. A week later I contacted XXXX once again to get the problem resolved because I was trying to purchase a home and they stated they don't have my account but it's still on my credit report as being reported. The company Ashmer informed me to dispute it because they are not handling it anymore,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
They keep charging me fees and interest on top of fees and interest when there are no products or services involved. I have not charged anything on this card since the first incident I feel was not right.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a written request to the collection agency instructing them to cease all communication with me. Despite this request, the company continued to contact me and engage in collection activity. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which requires debt collectors to stop communicating with a consumer after receiving a written cease communication notice. Continued collection activity after this request also constitutes unfair and unlawful practices under 15 U.S.C. 1692d, 1692e, and 1692f. I am requesting immediate removal of this collection account from my credit report and written confirmation that all collection activity has stopped.

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was repossessed and I paid off the loan in full on XXXX XXXX  and today the XXXX of XXXX my car still has not released to me. I have called several times a day in the past few days and just keep getting the run around from agents and supervisors. There are so many discrepancies in the information I've been given. I've been told that my car is at the auction yard, I'm nervous that they will try and sell my vehicle even though the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Hello, I had an unauthorized ATM withdrawal from my Venmo account for {$150.00} ( total after fees ) on XX/XX/year> at XXXX in XXXX XXXX  XXXX It was done at a XXXX XXXXXXXX XXXX XXXX Transaction number XXXX. I filed a dispute with Venmo, but they denied it stating that the chip card was inserted into the ATM. I did not lose the card, it's been with me the whole time. I absolutely did not make this withdrawal as I was out of the XXXX  on a XXXX from XXXX XXXX. 
Thank you for your help, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of America XXXX  XXXX Date : XX/XX/XXXX Close Date : XX/XX/XXXX I did not authorize anyone to open a checking or savings account. My identity was stolen and I have no knowledge of the 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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I had Barclays Bank Delaware credit card from a closed account that was charged off and sold to a company called " XXXX XXXX XXXX XXXX. '' I owed {$1000.00}, {$650.00} of it was written off. I can not find any information on this company -- there does not appear to be any record of it. I never received any information or notice as to how I can even pay this debt -- I've checked my email and physical mail. I did make a dispute that it's possible I didn't receive any notice because of changing addresses, but regardless, I'm more concerned with the fact I can't even verify the company attempting to collect this debt. On my credit report, when I go to the contact info for this company, it just gives me Barclays Bank Delaware phone number and email address. There's no contact information for " XXXX XXXX XXXX XXXX. '' Now I have {$400.00} in collections listed on my credit report, can not dispute it to have it removed from my credit report, and don't even know how to pay the debt or anything about the company the debt was bought by.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
My cashapp account was suspended after my last transaction on XX/XX/year>. Amount of {$50.00} was transferred from my account to another account active cashapp account. 

I asked for an appeal when I discovered my account was suspended and was sent general cashapp policy and told me it was denied. 

I asked a second time for specific details of my violation and was told they would look into my request for appeal. Still waiting, account is still suspended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
In XXXX of XXXX I got a car through stingray ( car dealership ) financed through Santander I put {$3500.00} down on the car and {$300.00} towards XXXX XXXX Insurance the loan was to span over XXXX XXXX which I was unaware the loan was not for XXXX months I pay {$310.00} a month I am still paying on this loan currently. I have now invested in payments alone over {$30000.00}. The car is not worth at this time {$3000.00}. It is also not in working order. Which is fine it is a XXXX XXXX XXXX. I do know I am responsible for payments but now its going on XXXX XXXX and I still have almost a {$4000.00} balance. I also did not realize the interest rate was so high and none of the principle was being paid off until just recently. No where in the documents I have does it state that Id be paying over {$30000.00} for this car. I asked Santander for help with some sort of loan forgiveness and they said there was none under the circumstances I dont understand why a potential waiver of the small balance left would not be in order given how much they have received already. Please review the original enclosed documents. The resolution I am looking for is to just be done paying for this vehicle XXXX XXXX is long enough. There is something that is not right about this whole process. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am filing this CFPB complaint after already submitting complaints to both the Federal Trade Commission ( FTC ) and my State Attorney Generals office regarding inaccurate and unlawful credit reporting by my federal student loan servicer. Despite these actions, the issues remain unresolved. 
The following accounts are being reported : XXXX XXXX Acct. XXXX Late Payment {$0.00} XXXX XXXX Acct. XXXX Late Payment {$0.00} XXXX XXXX Acct. XXXX XXXX XXXX {$0.00} I was hit with a XXXX late payment, yet the delinquency reporting for these accounts does not match across all XXXX  nationwide credit bureaus ( XXXX XXXX XXXX XXXX ) . The late payment dates, payment histories, and delinquency status are different depending on which bureau is reporting the account. If this reporting were accurate, the information would be identical across all consumer reporting agencies. It is not. Reporting the same alleged delinquency with different dates and histories is not a clerical issueit is a failure to furnish accurate and verifiable information. 
I also never received proper written notice that my account was allegedly delinquent or that it would be reported as XXXX  days late. I did not receive timely billing statements, delinquency notices, or a meaningful opportunity to cure before this derogatory information was furnished. I only discovered the XXXX late reporting after reviewing my credit reports. 
In addition, I have requested documentation and verification well over XXXX days ago, and I have not received a single piece of documentation from this servicer. No billing statements, no payment history ledger, no due date and missed payment proof, no delinquency notices, no servicing notes, and no explanation of how a XXXX late could be supportedespecially when the trade lines reflect {$0.00} in the late-payment fields. Reporting a severe delinquency without producing the underlying records is reckless and harmful. 
This is not an isolated issue. Millions of federal student loan borrowersestimated at approximately XXXXXXXX XXXXhave been affected by widespread servicing and credit-reporting errors, particularly involving repayment restarts, account transfers, and delinquency reporting. I am one of the borrowers impacted by these systemic failures.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Subject : Complaint Regarding Deferred Interest and Unfair Billing Practices XXXX XXXX  To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX  handling of a promotional medical financing account opened in XX/XX/XXXX for a XXXX  XXXX  in the amount of {$3800.00}. 

This account was promoted through my medical provider as a 24-month interest-free financing plan, with a promotional expiration date of XX/XX/XXXX. I was enrolled in automatic minimum payments and reasonably believed these payments would satisfy the balance within the promotional period. At no point was it clearly explained that the minimum payments would be insufficient to avoid deferred interest. 

I did not receive clear, timely, or meaningful notifications regarding an outstanding balance or the substantial interest that would be applied. I received little to no warning before excessive deferred interest charges were added. 

When I attempted to review my account history, XXXX website did not allow access to statements older than approximately 18 months, preventing me from verifying my full payment and interest history. 

Once I became aware of the excessive charges, I contacted XXXX multiple times to request clarification and relief. The company does not appear to have a dedicated billing or dispute department, and representatives were unable to answer basic questions, including how much I had paid since opening the account. On one occasion, I remained on the phone for over an hour while a representative attempted to calculate this information, with uncertain accuracy. Despite my repeated good-faith efforts, XXXX denied my requests for any meaningful adjustment or relief. 

To date, I have paid approximately {$4100.00} toward a {$3800.00} procedure, and my current balance remains {$1600.00}. A substantial portion of this amount consists of deferred interest charges applied despite my consistent, on-time payments. 

Once I became aware of the nature and extent of these charges, I took steps to limit further accrual. However, a significant balance remains due largely to deferred interest. 

I believe these charges resulted from inadequate disclosure, poor account transparency, and ineffective customer support. XXXX practices reflect a lack of transparency and consumer protections that appear designed to maximize confusion and interest revenue. 

I respectfully request that the CFPB investigate XXXX Credits promotional financing practices and assist in securing appropriate consumer relief. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: CT

Complaint narrative:
In XX/XX/year>, a XXXX late payment was reported on my Upgrade personal loan. The account is now paid in full and reflects no other negative remarks.

I contacted Upgrade to request a goodwill / customer experience review of this single late payment. I made clear that I was not disputing the accuracy of the reporting and that I understand the information reflects the account status at the time. 

The late payment occurred during a temporary period of financial disruption related to a divorce while I was supporting my children. This was an isolated event. The account was brought current shortly afterward and later fully satisfied, with no remaining balance or risk to Upgrade. Upgrade reviewed my request through its credit dispute process
and confirmed that the reporting was accurate. Upgrade then declined to consider a goodwill adjustment, stating that company policy does not allow removal of accurate reporting, and closed the case. 

I am submitting this complaint to request a management-level reconsideration of my goodwill request. This is not a dispute of accuracy, but a request for discretionary review based on the accounts final standing, the isolated nature of the late payment, and my positive payment history since that time. 

I am seeking a fair and good-faith review by Upgrades compliance or executive team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief