vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: IN

Complaint narrative:
Issue : Cash App denied my dispute despite me providing proof that the merchant agreed to refund me and that I never received the product I paid for. Ironically CashApp has been fined by the CFPB for {$170.00} XXXX dollars in XXXX of XXXX for this same thing. They have not learned their lesson. What happened : On XX/XX/XXXX, I paid {$67.00} through Cash App to " Microbanking Method '' for a course called " The Invisible Landlord. '' Immediately after purchasing, I realized the product was falsely advertised. I was promised access to private money lenders, which was a lie. The company then tried to upsell me instead. When I requested a refund, the company 's representatives ( XXXX and XXXX XXXX admitted I didn't receive the product and agreed to refund me on XX/XX/XXXX. I have screenshots proving they acknowledged the refund. Cashapp told me to wait 10 days for the refund to process before submitting dispute. The refund never came. The company stopped communicating. I filed a dispute with Cash App on XX/XX/XXXX. Cash App denied it the very next day ( XX/XX/XXXX ) ; less than XXXX hours laterwhich shows they barely investigated. Cash App 's investigation was flawed for these reasons : They recorded incorrect information in their investigation summary Cashapp response.pdf ] : They claim I " received the product on XX/XX/XXXX '' I never received it They claim I " returned the product in person '' I never returned anything because I never got it They claim I " returned the product on XX/XX/XXXX '' impossible and false They ignored evidence I providedscreenshots showing the merchant admitted they owed me a refund. They never contacted the merchant to verify why the refund was promised but never sent. They denied my dispute in under 24 hours, which shows they did not conduct a proper investigation as required by the Electronic Fund Transfer Act ( Regulation E )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: KS

Complaint narrative:
XX/XX/XXXX and XXXX of 2026, I sent {$600.00} through Chime to XXXX XXXX and XXXX for bottle lambs and gas money. I never received the lambs, she didnt show up. Chime was contacted and I filled a complaint with Chime and I was told that they couldnt do anything to help me. I have numerous pictures of the conversations and copies of the Chime transactions. She had a bottle lambs, goats, and emus listed on her XXXX page and XXXX. Once she scammed me she removed her XXXX page I notified XXXX and filed a complaint. Approximately XXXX weeks later she joined a XXXX XXXX under the same name that sells livestock. The group was XXXX XXXX XXXX and it was in a southern state. I am in XXXX. My bank tried disputing the claims from Chime and were told that Chime doesnt reply to bank disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NY

Complaint narrative:
I am disputing the company way2go card response as inaccurate. My account shows a Reversal Credit of {$150.00} on XX/XX/year>, followed by a Reversal Debit of {$150.00} on XX/XX/year>. This means the credit was removed the next day and was never actually available to me. The company stated that a provisional credit was issued, but a credit that is immediately reversed is not a true provisional credit, as I never had access to or use of those funds. Under Regulation E, if an investigation exceeds XXXX business days, a provisional credit must be provided and made available to the consumer during the investigation. That did not occur in this case. I am requesting supervisory review of this complaint due to inaccurate reporting by the company. I am also requesting : Immediate issuance of the {$150.00} provisional credit Written documentation showing when and how the provisional credit was made available for my use Explanation for why the credit was reversed the following day I have my attached statement showing both the credit and its reversal as proof that I never received the funds. Cfpb closed this out once company said they would initiate provisional credit therefore, i couldnt proceed further. I just updated my complaint to dispute inaccurate information. I am requesting supervisory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XXXX XXXX I began process to close my XXXX by telephone. I gave all requested info and was told to wait XXXX business days. I received notification transfer was declined because external acc't was said to be a business acc't. It is not. It is a personal acc't, XXXX XXXX XXXX, and the income interest from my XXXX other XXXX XXXX XXXX XXXX successfully deposited into this acc't in XXXX of this year. I have made at least XXXX phone calls, gone through the required steps, spoken with XXXX different agents, been referred to their specialists twice, even had a conference call with XXXX and external bank verifying that XXXX is a personal acc't. I have been assured that all steps have been taken and there is nothing else the agents can do -- -and the transfer is still declined. I need my money and they are not providing me with the means to access it or any explanation. Please can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP - XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Someone called my phone pretending to be the bank and accessed my account and took my money from me. In the amount of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Revco Management, LLC
State: CA

Complaint narrative:
XXXX XXXX took over from XXXX XXXX XXXX XXXX sometime after XXXX of XXXX. I saw XXXX XXXX the end of XXXX. After XXXX I did not see them till approx XXXX of XXXX. At no time was I informed that I had a balance. Approx.XXXX XXXX I was informed that I owed them money from XXXX. I asked at the office and they said they would research and get back to me. I received a letter from collections dated XX/XX/XXXX. I contacted XXXX by phone on XX/XX/XXXX and asked what the charge was for. They could not tell me. I was told that after the sale all the records were gone and they could not tell me. He told me if I sent the money they would notify the collections. I told him I would not blindly send them money if they couldn't prove the information of what it was for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Complaint Narrative Draft Company Name : XXXX XXXX ( or current servicer ) What happened : I am writing to file a formal complaint regarding a significant discrepancy in my mortgage principal balance and an inflated payoff amount that suggests unfair or deceptive servicing practices. According to my original loan documents from XXXX, my principal was {$360000.00} at a fixed rate of 4.625 %. I have maintained payments for over 15 years. However, my current payoff quote is approximately {$350000.00}, which is mathematically inconsistent with a standard 30-year amortization schedule. Specifically, my Customer Account Activity Statement from XX/XX/XXXX ( attached ) shows a principal balance of {$340000.00}. It is now XXXX, and despite 11 years of subsequent payments, my balance has somehow increased by roughly {$7500.00} rather than decreasing. My review of the historical logs reveals a pattern of " Corporate Advances, '' " Attorney Advances, '' and " Property Preservation '' fees ( $ XXXX/month ) being assessed for years without clear justification. These fees, combined with persistent escrow shortages caused by the servicer 's failure to accurately project taxes and insurance, appear to be siphoning my monthly payments away from the principal. I believe the servicer is misapplying payments and layering junk fees onto my account in violation of RESPA and TILA servicing rules. I have attempted to untangle these numbers, but the servicer has made it impossible to determine the true principal versus these added costs. Desired Resolution : A complete, life-of-loan master transaction ledger from XXXX to the present. A detailed, itemized breakdown of the {$350000.00} payoff amount, separating the actual principal from corporate advances, legal fees, and escrow shortages. A manual audit and correction of my principal balance to reflect the 11 years of payments made since XXXX. Next Step for You When you submit this, the CFPB will forward it to the company, and they are generally required to provide a response within 15 days. Would you like me to find the specific South Carolina state agency where you can double-file this complaint for extra leverage?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Client Services, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX credit card account ending in XXXX with a claimed balance of {$4600.00}. I have now received collection notices from two different debt collectors attempting to collect the same debt at the same time. The first collector is XXXX XXXX XXXX, who sent me a collection notice for this account. I responded by sending a written Debt Validation Request under the FDCPA. I have now received a second collection notice from Client Services , Inc. ( XXXX ) dated XX/XX/year>, also attempting to collect the same XXXX XXXX account ending in XXXX for the same balance of {$4600.00}. Their letter includes reference number XXXX. Both collectors are attempting to collect the same alleged debt simultaneously. This creates confusion about who owns the debt, raises the risk of double collection, and appears to violate the FDCPAs prohibitions on misleading and unfair collection practices. It may also violate the FCRA if both collectors are reporting a balance or if XXXX XXXX has not properly updated the account status. I am requesting that the CFPB require XXXX XXXX, XXXX XXXX XXXX, and Client Services , Inc. to : Clarify who, if anyone, currently owns or has the legal right to collect this account. Provide documentation showing the chain of title and assignment history. Stop all duplicate or conflicting collection activity. Correct any inaccurate or duplicative credit reporting related to this account. I am requesting written confirmation from all parties. I am preserving all rights under the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SIMPLE CAR TITLE LOANS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX Title Loan XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute Regarding Interest Charges on Account Number # XXXX No Interest for One Year Promotion Potential Violation of 15 U.S. Code 1611 Dear 1800 Title Loan Customer Service, I am writing to formally dispute interest charges that have appeared on my account, XXXX, despite my enrollment in a " no interest for one year '' promotional offer. I entered into this loan agreement on approximately XX/XX/XXXX, under the express understanding that no interest would be applied to my balance for a period of one year from that date. This promotion was clearly communicated to me as " no interest for the first year '' offer was presented to me., ' 'stated in the initial loan documents, ' 'verbally confirmed by a representative ' ]. '' However, my recent statement dated my statement clearly shows interest charges totaling [ EVERY INQUIRY HIDES ALL INTEREST RATES FOR 11 MONTH PERIOD ] being applied to my account. These charges directly contradict the terms of the " no interest for one year '' promotion that I accepted. Please be advised that the provision of false or inaccurate information, or the failure to provide required information in consumer credit transactions, particularly regarding the cost of credit, can constitute a willful and knowing violation as outlined in 15 U.S. Code 1611. This statute addresses criminal liability for such offenses, which fall under the broader consumer protections of the Truth in Lending Act. I request an immediate review of my account and a prompt removal of all interest charges incurred from [ Start date of no-interest period ] of XXXXthrough [ End date of no-interest period ], XX/XX/XXXX as per the promotional terms. I also request a corrected statement reflecting these adjustments. P lease provide a written response within [ e.g., 15-30 ] days of the date of this letter, outlining the steps taken to resolve this matter. Thank you for your prompt attention to this urgent issue. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: KS

Complaint narrative:
Exeter financial loan company charges ridiculous interest rates plus they dont apply all your payments towards your loan and they financed a vehicle that has bad hail and fire damage that I was not aware of and they did not make me aware of it so now i can not trade my vehicle in and get what it is really worth I just want to find a way to get away from this company I have read so many bad things about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a complaint regarding repeated and harassing phone calls from a debt collector without proper validation of the alleged debt. Despite my request for verification, the company continued collection attempts, including frequent phone calls, without providing documentation proving ownership of the debt, the amount owed, or the chain of assignment. This behavior violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as collection activity should cease until proper validation is provided. Additionally, the frequency and persistence of these calls have been excessive and constitute harassment. I am requesting that the company cease all collection activity until full validation is provided and that this matter be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding the handling and reporting of my federal student loan account by the servicer. On XX/XX/XXXX, I sent a formal written notice to the servicer disputing unauthorized access and handling of my personal, educational, and financial information, including concerns related to FAFSA data and tax-related information. In that same notice, I requested a full investigation, account audit, access logs, and confirmation of whether my information had been subject to any unauthorized access or exposure. At the same time, I submitted disputes to all three major consumer reporting agencies ( XXXX XXXX, and XXXX ) regarding inaccurate and harmful reporting associated with these student loan accounts. Despite this notice, the servicer continued to furnish and/or verify information that is disputed, inconsistent, and potentially inaccurate. My credit reports reflect accounts reported as deferred with no required monthly payment, yet adverse or misleading information has remained and/or continued to be reported. The reports also reflect that disputes were submitted but the information was not properly corrected. As a result of this continued reporting after notice, I have experienced multiple credit denials, including credit card and financing denials in XXXX and XXXX, and significant harm to my credit standing. Additionally, I have not received a complete response to my requests for information. I have not been provided with a full accounting of the loan, documentation supporting the accuracy of the reporting, or confirmation regarding whether my personal information was accessed or exposed without authorization. The companys failure to properly investigate, correct disputed information, and respond to my requests has caused ongoing financial harm and continues to negatively impact my credit and financial opportunities. I am seeking resolution of these issues and accountability for the continued reporting and handling of my account despite prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These inquiries are not mine and were not approved by me. They do not reflect my financial history, so I expect immediate attention and correction. Documentation is provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

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