vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: PA

Complaint narrative:
I filed a dispute with my bank regarding fraud on XX/XX/XXXX which including some fraudulent activity on my cash app card as well. In the meantime cash app is claiming that my bank performed a XXXX dollar cashback on an account that has been close and they are claiming the investigation has been closed by my bank. I made several phone calls and a visit to my bank which is XXXX XXXX XXXX XXXX  is claiming they did not do a charge off on my cash app card and did not take the money, but cash app is insisting my bank did infact do this. Not only was money taken from my cash app but I am now in the negative over {$1000.00} because of all this. I am filing my complaint for cash app because they are giving me false information and not investigating what is really going on and where my money mysteriously disappeared too. This is a known thing for cash app to blame banks for charge offs, especially from an account that has been closed with my bank. I feel that cash app took my money and is blaming me bank, because as I said they have said on several occasions they did not take my money or do a charge off. I want to know where my money went and why they are saying my bank ended the investigation of the fraudulent activity when they did not! 
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Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I paid {$2900.00} for a coaching program ( XXXXXXXX XXXX XXXXXXXX otherwise known as XXXX XXXX ), marketed with a full refund guaranteed if it doesnt work for you. After participating in good faith, the program materially differed from how it was represented, and my access was later revoked inconsistently after I raised a concern. 
I requested a refund directly from the merchant and was denied on technical timing grounds, despite extended access being acknowledged. My credit card issuer ( Robinhood XXXX XXXX XXXX XXXX  ) refused to open a dispute solely due to an internal 60-day policy and did not consider post-purchase revocation or misrepresentation. 
I am requesting that this matter be reviewed substantively, as the advertised refund guarantee appears illusory in practice and my attempt to resolve directly with the merchant was unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: VA

Complaint narrative:
On XX/XX/year>, I disputed Credit Control LLC directly asking them to verify this debt ; however did not receive any response and it remains on my XXXX credit report. I requested Credit Control LLC to verify the following : The method of verification that was used to verify this account, including the name, address, and telephone number of the furnisher that verified the debt ; and Forward flow agreement Original contract with signature Proof of Metro 2 compliance Proof of authority to report

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 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am XXXX  XXXX with no income or assets. I informed the collector of this. They would not let me speak to a supervisor and pushed a '90-day hardship program ' on me, demanding I prove my XXXX. I need them to stop all calls and close the account as uncollectible due to permanent hardship. Their behavior was harassing and they ignored my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: SC

Complaint narrative:
On XX/XX/XXXX, I received my forgiveness letter for my Student Loan. Then, on XX/XX/XXXX, I received an email stating that I still owed this loan. I uploaded the letter and didn't hear from them again until XX/XX/XXXX ; stating that I was behind {$360.00}. I borrowed the money and sent it because they said, they would garnish my pay. I can not find that email. I called Mohela and asked, why is this loan still open? They told me that the forgiveness letter was for another Student Loan. I only have had XXXX loan and have been paying on this since XXXX. I asked the lady to please send me the documentation for this and it was never sent. According to them, I still owe {$9000.00}. 
This is ridiculous, how could I still owe this amount for 20 years. This was removed from my credit report around XXXX of XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 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: IL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
My sister XXXX XXXX and I planned a bike trip scheduled for XXXX, 2025, and I broke my foot and was unable to do go on the trip. I called Chase, because I used my Chase Sapphire card to book the trip and the card provides trip cancellation insurance. The person I spoke to assured me any cancellation fee charged by the tour company would be covered by the insurance under my credit card. 
XXXX and I had each paid XXXX XXXX  for this trip. We paid XXXX a total amount of XXXX XXXX : XXXX from me and XXXX from XXXX. 

Chase knows that my payments for the trip totalled XXXX XXXX  from credit card statements. 

I also submitted documents showing XXXX charged us a cancellation fee equal to 50 % of the trip cost. XXXX retained 50 %, one-half, of the XXXX XXXX  I paid them for the trip. That is absolutely clear from the Cancellation Policy I submitted and from the Cancellation Invoice I submitted. 

The Cancellation Invoice clearly applies to XXXX travellers : XXXX XXXX and XXXX XXXX. The TOTAL Cancellation Fee as shown on the Cancellation Invoice is XXXX XXXX. The Cancellation Fee- the total fee for both of us- was XXXX XXXX. XXXX refunded to us the other 50 %. The total refund- the refund for BOTH OF US - was XXXX XXXX. The refund was sent to me and I sent XXXX portion to her. 

The refund from XXXX was for XXXX people. The Cancellation Invoice clearly states it is for XXXX people. My half of the refund was approximately XXXX XXXX. 

I sent Chase a message from XXXX explaining that, as stated in the Cancellation Invoice, the refund of XXXX XXXX  was for both XXXX XXXX and XXXX XXXX ; it was not a refund to XXXX XXXX. Despite all the evidence, Chase keeps insisting that I received a refund from XXXX equal to the total cost of my trip. I don't know whether they are clueless or whether they are willfully ignoring the facts. 
I have been asking for months that they provide the compensation I'm entitled to under the trip cancellation insurance on my credit card. They have never ; never responded at all to my messages. The only way I get a response is to call, and the person they have answering the phone can not give me any answers. 

I can understand the confusion that might stem from the fact that XXXX and I each separately paid our trip cost, but then XXXX sent the refund due to both of us to me, rather than sending my refund to me and XXXX refund to her. If Chase read what I submitted, it would all be clear. Not only do they refuse to understand, they do not even have the common decency to respond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Around XX/XX/XXXX, I sent a round of certified mail debt validation and dispute letters to XXXX, XXXX, and XXXX, as well as to the associated collection agencies. Approximately three weeks later, I received responses from the credit bureaus stating they were unable to verify my identity. 

In response, I promptly sent identity verification documents via certified mail, including a copy of my drivers license, Social Security card, and proof of address. After submitting this information, I received no further written correspondence from any of the credit bureaus. 

Instead, XXXX XXXX proceeded to update my credit reports electronically, indicating that the accounts were verified and updated through their online dispute systems, without providing me any written notice, explanation, or documentation of how the debts were verified. 

I only received a response from XXXX XXXX XXXXXXXX, which consisted of a generic addendum that did not include any contract, signature, or documentation assigning the debt to me. This response did not meet the requirements of proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ). As a result, I sent XXXX XXXX XXXX a certified cease-and-desist and demand-for-removal letter, explaining that they failed to properly validate the debt. I have received no response to that letter. 

Additionally, I sent follow-up certified letters to XXXX, XXXX, and XXXX requesting : Continued investigation of the disputed accounts The method of verification used to allegedly confirm the debts To date, I have received no written responses from any of the credit bureaus regarding these requests. All activity has occurred solely through electronic updates, without proper notice or disclosure of verification methods. 

As of XX/XX/, one of the four collection accounts was removed, which further supports my position that the remaining accounts were not properly verified.

Based on the above, I believe the credit bureaus and collection agencies have : Failed to provide proper debt validation Failed to disclose the method of verification Failed to provide required written responses Failed to comply with the 30-day investigation requirement Continued reporting unverifiable information I believe these actions constitute noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and that my credit file has been mishandled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported by Credence Resource Management for an alleged XXXX XXXX XXXX debt in the amount of {$2900.00}. 

Credence Resource Management has failed to provide proper validation of this debt and has not demonstrated that it has the legal authority to collect or report this account. The balance being reported is inaccurate and unverified. 

Despite my dispute, Credence continues to report this account to the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that Credence Resource Management either provide full legal validation of this debt or immediately delete this collection account from my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: U.S. BANCORP
State: NV

Complaint narrative:
Disputed transaction XXXX XXXX {$1600.00} XX/XX/2025 Case ID : # XXXX I disputed a transaction with Elan XXXX XXXX XXXX XXXX XXXX credit card XXXX 
I uploaded ALL requested documents. I filled out ALL questions on the standardized dispute form. 
I provided emails from the merchant who agrees they owe us a refund. 

Elan XXXX XXXX XXXX XXXX is refusing to finalize the dispute in spite of my having fulfilled all requested documentation as initally requested, and in spite of the merchant having admitted fault. 

Now Elan is requesting tracking information from the merchant for the item sent to me. This is yet another delay tactic. The * receipt * of the item sent to me is not now, and has NEVER BEEN in dispute. The original standardized dispute form with XXXX questions was filled out completely by me and submitted to Elan in a timely manner. Nowhere in the dispute form did Elan request tracking of the item from the merchant to me. Obviously the item was received because images of the defective item were submitted to Elan. 

This company is both dishonest and deceptive in its dispute resolution practices. Clearly they have no intention of resolving this dispute in a timely or legal manner.

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 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am submitting this complaint regarding deceptive and unfair auto lending practices by XXXX and Exeter Finance that resulted in significant financial harm. 

I was approved in person at the XXXX location for an auto loan with a monthly payment of approximately {$230.00} for a 2018 XXXX XXXX with approximately XXXX miles, which had been advertised on XXXX website for approximately {$17000.00} prior to my visit. At the time of approval, I had a high credit score and provided printed proof of income statements that supported this payment amount and were accepted by XXXX during the approval process. 

After this in-person approval was completed, XXXX employees stated that their system had crashed due to a system transition and claimed they could no longer proceed using the already approved terms. I was then told that my credit needed to be run again the same day, despite being informed previously that my credit would only be pulled once. 

At that point, XXXX employees refused to accept the income documentation they had already approved, even though it reflected higher income, and falsely stated that they could no longer use those statements. I was forced to submit different income documentation from another bank account that showed lower income, which directly impacted my loan terms. I was also pressured to log into my personal bank accounts on XXXX in-office computer, rather than allowing the previously accepted printed statements, raising serious concerns about privacy, data security, and coercive practices. 

As a direct result of these actions, my credit was pulled multiple times without proper authorization, my loan terms were materially changed mid-transaction, and I was placed into a simple interest loan through Exeter Finance with significantly worse terms, despite qualifying for better financing based on my credit profile and actual income. 

Additionally, when I arrived at the dealership, the vehicle price had been increased to approximately {$25000.00}, compared to the approximately {$17000.00} price advertised online prior to my visit. Ultimately, I was locked into a loan that resulted in my paying over {$50000.00} total for this vehicle, which caused severe financial hardship and eventually forced me to settle the account at a later date. 

I believe this conduct constitutes bait-and-switch pricing, misrepresentation of financing approval, deceptive lending practices, unauthorized credit inquiries, and coercive income verification, in violation of consumer protection laws and CFPB standards. I am requesting that the CFPB investigate the actions of both XXXX and Exeter Finance, require them to justify the pricing increase, system-related claims, income documentation rejection, multiple credit inquiries, and loan structure, and provide appropriate relief for the financial harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
I meet this gentleman online and he said if invest in crypto currency I would get XXXX so I was sure way not. I send him money XXXX, then XXXX, XXXX, XXXX, I added it up XXXX, through cash app. And they will not send me my money back to me, I called the bank to compliant about, my claim was closed without paying me back, I find it ridiculous so im frustrated about all this. Im not working right now, the extra money would come in handy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I spoke with Infiniti XXXX XXXX about a lease return. During the recorded call, the representative held a XXXX call with myself and XXXX Infiniti regarding the process of my returning an end of lease vehicle for another vehicle that had not been secured by XXXX Infiniti XXXX I was advised that since my lease was maturing, I would need to submit a one-time payment of my previous lease amount in order to extend my lease by a month. I was told that as long as I secure a new vehicle within that week, I would receive a paper check refund approximately 45 days after my total loan payoff was completed. I have documented all conversations, as well as tape recorded conversations of myself with Infiniti XXXX XXXX  guaranteeing me a full refund approximately 45 days after the loan payoff. I called in last week and spoke with XXXX XXXX, the representative let me know that it would be about XXXX weeks before my check would be mailed out and to call back on XX/XX/XXXX to make sure the process was rolling smoothly. I spoke with XXXX supervisors, XXXX and XXXX, and they advised me that I would not be receiving a refund and that the rep that I spoke with on XX/XX/XXXX I told me incorrect information. I was guaranteed a refund and there would be no reason for me to purchase a new vehicle and make XXXX payments for the same week if I was told correctly about the refund. I am requesting the full refund, as discussed on our phone call, via mail/paper check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Complaint Summary : Citibank engaged in deceptive and unfair practices by preventing account access through unreasonable verification barriers, blocking login despite correct information, and then charging additional fees. Citibank provides no functional customer service channel to resolve access issues and uses these obstacles to assess penalties. I do not have the card in my possession and the account should be frozen. 

Detailed Complaint : I opened a Citi Best Buy credit card and used it once in-store. I attempted to access my account to manage payments and prevent any fees. Despite providing all required and correct personal and account information, Citibank does not allow me to log in or verify my identity. 

This inability to access my account is not user XXXX  verification process repeatedly fails without explanation. This creates a deceptive barrier to account management, which Citibank then uses as a basis to charge additional fees. 

Citibank also failed to properly allow or process autopayment, and then charged penalties as a result. There was no advance notice, no email communication, and no clear billing explanation. 

The phone number provided for customer support does not connect to a live representative capable of resolving login, verification, or payment issues. I have been effectively locked out of my own account with no functional method to communicate with Citibank. 

I do not have the physical card in my possession, and given the inability to access the account, the card should be immediately frozen or closed. Instead, Citibank continues to assess fees arising directly from their own system failures and lack of customer support. 

These actions constitute unfair, deceptive, and abusive acts and practices ( UDAAP ), including : Blocking account access despite correct verification information Using failed verification as a pretext to charge fees Failing to provide meaningful customer service or dispute resolution Charging penalties caused by XXXX  own system and process failures Failing to freeze or secure an account when the card is not in the consumers possession Resolution Requested : I am requesting that Citibank be required to : Reverse all fees and penalties charged due to login, verification, and autopayment failures Freeze or close the account immediately with no remaining balance Provide written confirmation explaining why account access was blocked despite correct information Correct any negative credit reporting resulting from these improper charges Ensure no future fees are assessed on an account I can not access XXXX  practices appear designed to prevent consumers from managing their accounts while generating fee revenue, which is deceptive and unfair.

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