vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
XXXXThis complaint concerns an unauthorized medical debt being collected by Kohn Law Firm S.C. regarding an ambulance transport on XX/XX/XXXX, in the amount of {$520.00} ( Reference # XXXX ). 1. Basis of Dispute ( Lack of Consent ) : The ambulance transport was initiated by staff at a medical provider following an adverse reaction to prescribed medication. I did not request ambulance transport and did not provide consent. At the time, I was conscious, my condition was improving after treatment ( XXXX ), and I had private transportation immediately available. I never signed any authorization or consent form for this service. My insurance has already paid {$540.00} toward this incident. 2. Documented Attempts to Resolve : I have made multiple attempts to dispute this debt and request validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including : XX/XX/XXXX ( XXXX PM ) : Phone call to the law firm to dispute the charge. XX/XX/XXXX ( XXXX PM ) : Written dispute submitted via the firm 's website. XX/XX/XXXX ( XXXX PM ) : Second written dispute submitted via the firm 's website. XX/XX/XXXX : Formal " Request for Debt Validation '' sent via fax. XX/XX/XXXX ( XXXX AM ) : Third written dispute submitted via the firm 's website following an insufficient response. Despite these repeated attempts, I have not received proper validation. 3. Failure to Validate the Debt : On XX/XX/XXXX, the law firm responded by providing only a copy of the billing statement and a blank, unsigned insurance/authorization form. They did not provide : Proof of patient consent to ambulance transport Any signed authorization Documentation establishing my legal responsibility This does not constitute proper validation of the debt. 4. Additional Concerns Regarding Record Availability : On XX/XX/XXXX, I was informed by the original creditor ( XXXX XXXX XXXX ) that they no longer retain records related to this account because it was transferred to collections in XX/XX/XXXX. This raises serious concerns regarding the collectors ability to verify or substantiate the debt. 5. Non-Responsiveness from Medical Provider ( XXXX XXXX XXXX ) : In addition to my disputes with the collector, I have attempted to resolve the underlying lack of consent with the initiating provider, XXXX XXXX XXXX. I sent formal faxes to their Risk Management/Billing departments on XX/XX/XXXX, and XX/XX/XXXX, requesting the same proof of consent. To date, XXXX has failed to provide any response or documentation, further confirming that no signed authorization for this transport exists. Despite the ongoing dispute and lack of validation, the collector continues to attempt to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: KY

Complaint narrative:
In XXXX I had a Cashapp account that had at least & XXXX in it. I ended up being hospitalized for some difficulties and when I got out of the hospital the phone # I had was now shut off and I had no way into my old email to get into my Cashapp account. I contacted Cashapp and they just asked me to verify my identity and I did. I have verified my identity at least XXXX times for Cashapp and they refuse to close my account and give me my money. Please help. My address has changed since I had access to my old Cashapp account. I actually have a new Cashapp account with the same credentials that I opened my old account with and they still would not let me have access to my old account. It doesnt make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The debt was paid when I left the apartments, I have the original documents that was emailed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One received a valid FTC Identity Theft Report and pre-arbitration demand, and rather than executing the mandatory tradeline block required under 15 U.S.C. 1681c-2, continued automated collection on the disputed account and restricted the consumer 's access to financial records necessary to exercise statutory dispute rights. On XX/XX/XXXX, I served Capital One 's XXXX Legal team with a formal Pre-Arbitration Demand, a TCPA Cease & Desist notice, and a valid FTC Identity Theft Report ( Report # XXXX ) via XXXX XXXX Mail ( Tracking Job LetterStream # XXXX ) regarding the account ending in XXXX. Notwithstanding the statutory obligation under 15 U.S.C. 1681c-2 to block information resulting from identity theft upon receipt of a qualifying report, Capital One failed to initiate the mandatory block. CFPB examiners have documented this identical furnisher deficiency in both Supervisory Highlights Issue XXXX ( Spring XXXX ), finding that furnishers continued reporting information covered by identity theft reports, and Issue XXXX ( Winter XXXX ), finding continued failures to maintain reasonable procedures for processing identity theft block requests. Following the expiration of the XXXX cure window on XX/XX/XXXX, Capital One 's automated systems transmitted a series of collection emails to my registered email addressincluding communications with subject lines " Your account is XXXX payments behind '' ( XX/XX/XXXX ) and " Important past-due notice '' ( XX/XX/XXXX ) notwithstanding the pending TCPA Cease & Desist XXXX The temporal proximity between the cure deadline and the first automated collection communication ( XXXX days ) indicates the absence of a human review checkpoint in Capital One 's dispute-to-collection workflow. On or about XX/XX/XXXX, Capital One imposed a unilateral account lockout, restricting my electronic access to historical billing statements, dispute investigation correspondence, and the governing Cardholder Agreement. This restriction was imposed after I exercised statutory dispute rights and materially impedes my ability to formalize the pending arbitration claim. The CFPB has identified substantially similar conductfinancial institutions restricting consumer account accessas an unfair act or practice under the Consumer Financial Protection Act, resulting in enforcement action and a {$1.00} XXXX civil money penalty in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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 got scammed by a mechanic and my car broke down because of damages to my car. then i had to go to a nearby mechanic who fixed my car and did diagnostics and confirmed that the previous mechanic caused damages to my vehicle... reported to robinhood credit " gold '' card. more like " trash '' card. dispute was AUTOMATICALLY DENIED. i called them and they said " our dispute team will email you. they emailed me requesting documentation. i gave them documentation from the second mechanic proving damages. AND RECEIPTS. sent them via email. email replied... " Hello, Thanks for reaching out. Based on our records, it looks like this case has already been closed. If you still dont have the answer to your question, please create a new case through the Contact Us page. Sincerely, The Robinhood Team '' Robinhood is clearly a tyrannical algorithmic robotic monster. i need HELP AND CONSUMER PROTECTIONS AS A XXXX XXXX AMERICAN CITIZEN!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: AZ

Complaint narrative:
Complaint MOHELA Account # XXXX I am submitting this complaint regarding my federal student loans serviced by MOHELA. I am a XXXX XXXX applicant under the XXXX v. XXXX. My application was submitted on XX/XX/XXXX ( Application # XXXX ). I am a post-class applicant associated with an Exhibit C school ( XXXX University ), and my application remains pending. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX denied the Department XXXX XXXX motion to delay relief for Exhibit C post-class applicants who did not receive a decision by XX/XX/XXXX. Despite my pending XXXX XXXX claim, my loan servicer has taken the following actions : Removed my account from administrative forbearance Placed my loans into active repayment Assigned a monthly payment of {$1900.00} under an XXXX plan Reported my account as past due and delinquent Issued a total amount due of {$3800.00}, including past-due balances These actions are inconsistent with the expected handling of Borrower Defense claims under the Sweet v. McMahon settlement , where borrowers with pending applications should not be subject to active repayment demands or delinquency reporting while their claims are under review. As a result, I am experiencing : Improper billing during an active federal claim review Risk of negative credit reporting due to inaccurate delinquency status Financial harm and stress due to a payment obligation that should not currently apply I have not refused to pay ; rather, I am disputing the validity of the repayment status while my Borrower Defense claim remains unresolved. Requested Resolution I respectfully request that the Consumer Financial Protection Bureau require MOHELA to : Immediately place my loans into administrative forbearance consistent with my Borrower Defense status Remove and correct any delinquency or past-due status Reverse or prevent any negative credit reporting resulting from this error Conduct a full review of my account for compliance with Borrower Defense processing requirements Provide written confirmation once all corrections are completed Supporting Documentation I am prepared to provide documentation including : Account statements showing past due and total amount owed Repayment schedule notice Proof of Borrower Defense application and submission date Closing Statement This situation reflects a failure to properly administer federal student loan protections during an active Borrower Defense claim. I respectfully request prompt intervention to correct my account and prevent further financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered these collection accounts listed as XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX, KIKOFF LENDING LLC - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EXETER - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LL XXXX - xxxxxx XXXX, CONSUMER PORTFOLIO XXXX - xxxxxxx XXXX, KIKOFF- XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered these collection accounts listed as XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, EXETER - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX LL XXXX - xxxxxx XXXX, CONSUMER PORTFOLIO XXXX - xxxxxxx XXXX, KIKOFF- XXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I filed a dispute for merchandise I attempted to purchase during the XXXX XXXX. The package was delivered to my residence empty and when informing the bank of this issue with the merchant, they allowed the merchant to keep the funds without resolving the issue stating that I agreed to the terms of service. I advised my financial institution that there was an ongoing dispute with this company, as well as the shipper and that I was having trouble recovering the funds. The merchant wanted me to prove the merchandise was not in the package and I had much trouble proving this since it was delivered and left on the front porch. I advised my credit card company that I should not have been charged again for these items as a monthly payment, while I am already disputing the initial payment and my credit card company let them charge me instead. I advised them that at this point, the merchant has received XXXX payments and I am still in dispute to receive the XXXX XXXX that I had ordered. I also advised that my local shipper ( XXXX ) had just recently made the news for having to terminate multiple delivery drivers for stolen items in the area, specifically electronics. My clam was denied by financial institution and they are still refusing to resolve. Please help with this. I do not wish to keep fighting after XXXX months. My credit report is taking a hit because I refuse to pay a XXXX time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CO

Complaint narrative:
The last XXXX months months my account was opened there were numerous charges on my account which were on obviously not made by me.For example : I was charged XXXX cents XXXX times in a row from a vendor that was a scammer. not just XXXX time but over and over. I contacted customer service and they charged back some of the charges but not all of the charges then involuntarily closed my account without my knowledge reported me to a check systems agency for leaving a negative amount in my account. But once they closed my account my direct deposits couldn't post, I couldn't make a payment on my account and they would no longer speak to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received a credit card in the mail that I did not apply for. On XX/XX/year>, I contacted customer service to activate the card. The representative told me that the card number does not exist in their system. They were also unable to provide a complaint email or formal way to report this issue. I am concerned about a possible error or unauthorized use of my information.

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 non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am filing this complaint regarding Ally Financials reporting of an auto lease account as a charge-off on my credit report. This account was a XXXX auto lease opened XX/XX/XXXX. I made every scheduled lease payment on time for the full duration of the lease term and returned the vehicle as required. After the lease ended, Ally Financial assessed {$610.00} in post-lease fees that I dispute as improper. Despite my objections, Ally did not provide adequate documentation or itemization of these charges. Instead of resolving the dispute, Ally reported the account as a charge-off beginning in XX/XX/XXXX, with {$670.00} written off and {$610.00} past due. Multiple consecutive months of charge-off notations appear on my payment history from XX/XX/XXXX through XX/XX/XXXX. I disputed this account throughXX/XX/XXXX. The investigation completed, but Ally simply verified the charge-off without providing me any supporting documentation. My credit report now notes Completed investigation of FCRA dispute - consumer disagrees. The harm is significant. This is the only derogatory item on my entire credit report. I have XXXX open accounts and over XXXX closed accounts, all with exceptional payment histories and XXXX late payments. My FICO Score is currently XXXX. The score analysis identifies this single Ally account as the sole source of XXXX negative factors : serious delinquency, recent missed payment, and amount past due. Without this erroneous charge-off, my score would likely be well above XXXX. I am requesting that Ally provide a complete itemized breakdown of the {$610.00} in charges with the specific lease provisions authorizing each charge, the original lease agreement, the lease-end inspection report, and the disposition report. If they can not substantiate these charges, the charge-off should be removed and the account corrected to reflect its accurate history of on-time payments.

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 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System XXXX XXXX XXXX XXXX XXXX, GA XXXX I am writing in response to your recent communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this alleged debt. I do not acknowledge this debt and request that you provide proper verification. Please provide the following information : XXXX. The name and address of the original creditor XXXX. The full amount of the alleged debt, including an itemization of any interest, fees, or charges XXXX. Copies of any documentation bearing my signature that shows I agreed to this debt XXXX. Proof that your agency is authorized to collect on this debt XXXX. The date the debt was incurred and the date of last payment XXXX. Documentation showing that the statute of limitations has not expired Until you provide the requested validation, you must cease all collection activities and reporting to credit bureaus regarding this account. If you are unable to provide proper validation, I request that this matter be closed and any references to this account be removed from my credit report. All future communication regarding this matter should be in writing only. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
They are withholding my money XXXX! They are withholding my money XXXX! They are withholding my money XXXX! They are withholding my money XXXX!

Company response to consumer: Closed with explanation