vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: CNG HOLDINGS INC
State: AZ

Complaint narrative:
I called the debt company that has called my employer and telling HR that my wages would be garnished. I asked them for their physical address and the woman i spoke to refused to give it to me. She said, " look up our phone number and you will find the address. '' I told her that by law she had to disclose their physical address and again, she told me XXXX their phone number and i can find their address. Then i asked her for a court number in regards to my wages being garnished and she refused to give me one. She said all info would be on papers served. Their phone number is XXXX. I have no active court cases. I have a previous complaint with this supposed debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Thank you for investigating capital one problems I call for the responsible peoples jobs. I have been chasing after and begging for professional attention from capital one bc they refuse to return money stolen from me and included the evidence and they refuse to make an escalated move I called capital one fraud and filed a complaint regarding a refund not refunded in less than XXXX of purchase which is completely within my legal rights to ask for with no questions asked there investigation team is egotistical and force you to be additionally abused and victimized with the unethical and unprofessional attitude towards the handling of my claim. I had to file for an escalation due to my current situation for the reason I had to ask for the refund I was in an accident and cant work. I needed that refund the same day, but these people are playing games with me and normally I wouldve gotten reimbursed right away by Capital One but some reason this time Im going on XXXX weeks and this is escalated and I havent heard XXXX peep in XXXX weeks from that investigation team. Ive always had to call in and get told that they are waiting for a response from the thieves because thieves always call back to admit when. Theyre ready to admit that theyre wrong and pay you back. This is ridiculous that I have to wait this long and that I have to wait for the other guy to call and confess instead of just giving me the money back with the evidence I sent in. Im having to play this game with them where they dont contact me at all. I told them I had no income, and they refused to be professional about this and at least communicate with me. XXXX A month for XXXX how slow do they move thst this is a XXXX day investigation with all the evidence in their hands. Theyre not aggressive enough when they have good solid evidence against the attacker and those unprofessional sobs are forcing this on me. Bully like better yet retaliatory like bc I dont know these people why not getting the capital one A-Team treatment bc thats what they advertise they stand by our Loyality then deny my reimbursement of XXXX until XXXX gets a call back from the robbers when they have moral breakthroughs and call and confess I dislike these people more than words can tell you bc its having an effect on my family we need that money for food I explained that to those cowards that wont write me nor call me nor settle this simple case and lets move on but egos are being strained here and Im XXXX enough to get away from capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Capitol Loans
State: OK

Complaint narrative:
Legend Finance ( XXXX XXXX ) called me on XX/XX/2026 to advise me of my delinquent balance. I spoke with the manager at that location, XXXX, and informed her that I had just gotten a job and requested a payment arrangement to bring account current. The manager denied information regarding a payment arrangement and stated the entire balance needed to be paid in full. On XX/XX/2026 the manager XXXX called again to pay the balance in full, informed her that I do not receive a check until Friday XX/XX/2026. XXXX then called my employer right after speaking with me to request information regarding garnishment. I advised my manager was not in the office. On XX/XX/2026 the manager XXXX called my office again with my manager out so I returned the call on my personal cell phone. She requested information for garnishment. XXXX then returned a call to my office XX/XX/2026 in which my manager answered. I called the sister company to them Republic Loans to request information about payment plans, collection attempts, state laws, and information to file a complaint. The manager at Republic Loans XXXX XXXX XXXX XXXX ) got defensive and stated that the can deny payment plans, payment arrangements, call every day as many times as they want, come to my house, call my employer, and do anything they need to collect the funds from me. I asked about state collection laws and XXXX stated that all of the companies are owned by a lawyer who knew what he was doing when he made the loan contracts I signed. I turned on a recording feature on my phone and asked for her to explain their collection attempts again and XXXX stated it was illegal for me to record her on a business phone in the state of Oklahoma and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX placed collection tradelines on my XXXX XXXX XXXX XXXX consumer credit files for an alleged debt purportedly originated by XXXX XXXX XXXX XXXX XXXX XXXX had never communicated with me before that date. No call. No letter. No email. I have no knowledge of any account with XXXX XXXX XXXX. I did not open any account with XXXX XXXX XXXX. I did not authorize anyone to open an account in my name. The alleged debt is not mine. XXXX XXXX XXXX 's furnishing of derogatory tradelines without prior consumer contact violates Regulation F, 12 C.F.R. 1006.30 ( a ), which prohibits a debt collector from furnishing information to a consumer reporting agency regarding a debt before communicating with the consumer about the debt. The first communication from anyone in the XXXX XXXX collection chain arrived on XX/XX/XXXX, XXXX days after the tradelines were placed. It was an email from Halsted Financial Services LLC, Plaza 's collection agent. A second email followed on XX/XX/XXXX from a different domain. Halsted Financial Services XXXX carries an Entity Status of Forfeited Existence on the records of the Texas Secretary of State, Texas Filing No. XXXX, and had no legal authority to conduct debt collection in the XXXX of Texas at the time of either communication. XXXX XXXX XXXX selected and XXXX an unauthorized agent to make first contact with a Texas consumer. I have filed FTC Identity Theft Report XXXX. XXXX ( XX/XX/XXXX ) and XXXX Complaint No. XXXX ( XX/XX/XXXX ) in connection with this matter. I am requesting deletion of all tradelines furnished by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, permanent cessation of all collection activity, and a prohibition on transfer or resale of the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I formally disputed an alleged debt with the collection agency on XX/XX/year>, and requested full validation, including all supporting documentation and a complete itemized accounting. The agency received my dispute but has failed to provide any validation. Despite this, they continued to report and update the account with credit bureaus, including on XX/XX/year>. This conduct is improper and violates my rights under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake financial is stating I owe over {$8000.00} in late fees, I have requested proof about 4 times. In writing as well as disputing it through XXXX XXXX XXXX. They have failed to provide me with what I am requesting. I also requested a copy of the contract stating the amount of the late fee was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding a collection account reported by The Stark Collection with a balance of approximately {$7400.00}. I do not recall entering into any agreement with this company, and I have not received sufficient documentation to validate this debt. The account is being reported on my credit file as a collection ; however, there is a lack of clear evidence establishing that I am legally obligated for this debt. Additionally, the reporting raises several concerns regarding accuracy and completeness. The account references an original creditor but does not provide adequate documentation supporting the transfer of the debt, ownership of the account, or the authority to collect. There is also insufficient detail verifying the amount being reported and how it was calculated. I have previously disputed this account, yet it continues to be reported without proper validation. Under the Fair Debt Collection Practices Act, I am requesting that the company provide documentation supporting : Proof of the original contractual obligation Proof that this account was legally assigned or transferred to the collection agency A complete accounting of the balance being reported Verification of the accuracy of all information furnished to the credit reporting agencies If the company can not provide this documentation, the account should not be reported and must be removed from my credit file.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
On or around XX/XX/year>, I filed disputes with Chime regarding transactions involving XXXX after I did not receive refunds that were owed to me. One dispute was for {$1000.00} and another was for {$590.00}. I contacted the merchant, XXXX, seeking resolution and refund of the disputed funds, but the issue was not properly resolved. Because the funds were not returned, I filed disputes through Chime. Chime later denied both claims and sent final determination notices. However, the notices did not clearly explain what evidence was reviewed, how the investigation was conducted, or why the claims were denied. I believe the disputes were not fully or fairly investigated. I am requesting that Chime reopen both disputes, provide documentation supporting the denials, conduct a complete investigation, and reimburse the disputed amounts if appropriate under applicable consumer protection laws. and they closed my account The total disputed amount is {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
This is the second time I have attempted to send this letter with a photo. I cant continue to repeat letter. So let me just say Cashcentral continues to harass me over a late payday online loan of XXXX that was paid XX/XX/year> through my XXXX XXXX Account. They continue to sent weekly emails claiming I havent paid them, which I imagine effects my credit report! I sent them online photo of my XXXX XXXX payoff and talked to their Texas based debt offices @ ( XXXX ) XXXX, but to no avail. Please help resolve this situation, which is probably common practice for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: MOHELA
State: WA

Complaint narrative:
MOHELA withdrew my XX/XX/year> autopayment of {$420.00} and applied the money towards one student loan instead of distributing to the minimum required payment amount for each student loan like it normally does. I had not request any changes to my autopayment amount. I called customer service as sent a message through their internal system on XX/XX/year>. They gave no reason as to why my payment amount was not allocated to all loans and they have yet to correct it. Again, MOHELA did not withdraw my scheduled autopayment amount on XX/XX/year> and is now saying that my account is past due for {$300.00}. I had checked the scheduled autopayment amount on XX/XX/year> to verify that everything was correct since MOHELA had randomly changed the autopayment amount in XXXX. The amounts XX/XX/year> were correct ( see attached screenshot ). I checked again on XX/XX/year> and the account suddenly showed that my account is past due for {$300.00} ( see attached screenshot ). I had to make an extra payment to return my account to good standing. I believe this is deliberate interference with my attempts to pay my student loans in a timely manner. I have one month before I qualify for XXXX XXXX XXXX XXXX and I believe they are interfering to continue to collect money for my account. There is no legitimate reason for MOHELA to be this incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: POWERPAY, LLC
State: RI

Complaint narrative:
I purchased a new shower for my bathroom through the company XXXX XXXX, part of the agreement was a lifetime warranty and repairs. XXXX XXXX used PowerPay to finance the project for me. Since then XXXX XXXX has gone out of business. I overpaid for the shower based on the lifetime warranty and guarantee and XXXX XXXX reputation at the time was theyd be in business nearly XXXX years. New pro went out of business in XXXX. Since new pro can no longer honor their part of the contract- lifetime warranty and repairs- I informed new pro they are in breach of contract and my balance needs to be waived.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Quick Money Solutions LLC
State: MO

Complaint narrative:
On XX/XX/year> XXXX was taken out of my account via ACH payment to pay off the loan I had with Quick Money solutions. I was under the impression when scheduling that payment and selecting pay off amount that would close the loan. The payment was processed but there was a remaining balance- which is fine I was happy to pay the balance. However every attempt to pay the balance- which has not exceeded XXXX XXXX has been unsuccessful. They have repeated told me theres nothing wrong with their debit system but I have tried two cards. I have tried to schedule an ACH payment twice with no confirmation of the payment or no attempt to gather that payment. They have told me theres nothing else they can do to assist me as there systems are working just fine. Please be advised XXXX payment was returned for insufficient funds but all attempts after to try and satisfy this balance have been unsuccessful and they have offered no assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX Money transfer Cash App XXXX XXXX transfer Cash App XXXX XX/XX/year> Money transfer Cash App XXXX XX/XX/year> Money transfer Cash App XXXX XX/XX/year> Money transfer Cash App XXXX Each withdrawal were blocked and I was unable to withdraw to my account. These transactions totaled XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
b'I am a victim of XXXXXXXX XXXX XXXX and XXXX XXXX by deception. I am reporting Bank of America for violating the Illinois Coerced Debt Protection Act (PA 104-0297) and failing to investigate a coerced debt of XXXXn\nViolation of Mandatory Stay: On XXXX XXXX XXXX, I served a formal "Statement of Coerced Debt" via Certified Mail (Tracking #:XXXX XXXX XXXX XXXX XXXX XXXX). Under IL law, this triggers an immediate 90-day stay on all collections. Bank of America willfully violated this on XXXX XXXX XXXX by issuing a verbal denial without the required investigation.\n\nInduced Theft & Economic Duress XXXX): The perpetrator induced the theft of XXXX from my non-marital IRA by presenting verified Bank of America records showing a XXXX balance in Account XXXX. He used these authentic assets to maintain extreme economic duress while coercing the XXXX debt.\nFailure to Comply with Subpoenas: Despite the perpetrators own records confirming the XXXX balance, Bank of America previously omitted Account XXXX from subpoena responses. I have provided a 154-page evidentiary binder (Certified Mail Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX) proving the existence of these concealed assets.\nActive DOJ Investigation: This matter is under investigation by Trial Attorney XXXX XXXX XXXX of the U.S. Department of Justice regarding bankruptcy fraud. The binder includes proof of a XXXX bribe (XXXX XXXX) and the movement of stolen funds through AccounXXXX XXXX.\n\nDemand for Audit: I demand a forensic audit of accounts #XXXX and #XXXX and a full 90-day review as mandated by Illinois law.'

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MS

Complaint narrative:
I received an email from my financial institution that on XX/XX/2026 someone had attemoted to withdraw via casapp {$550.00} from my account. The financial institution rejected the transaction which was apparently attempted at XXXX XX/XX/XXXXXXXX, Ca. Upon looking closer I realized that a {$50.00} transaction through cashapp had been approved XX/XX/2026 at XXXX XX/XX/XXXXXXXX which cash app said had a usernameXX/XX/XXXXand the memo stated XXXXXX/XX/XXXX This appears to be a XX/XX/XXXXexpedition wherein a smaller sum was approved so they went for a larger sum. The withdrawals appear to be located in California but I was told that XXXX not be the case. I reside in Mississippi and do not know anyone in XXXX, Ca. I have used cashapp only to send money to my children and grandchildren in Mississippi and XXXX, Fl. I do not have a card and phone never leaves my possession. I am a homebound XXXX XX/XX/XXXXand rarely leave my home so there has been no time someone other than I has had access to my device and it has a password and biometrics. Cashapp sent an email today attemtping to say the transaction came from my device which is impossible. It appears they are attempting to dismiss this when I know for certain it was some type of hack. I have already filed a dispute with my financial institution for a refund and they obliged. Cashapp needs investigated for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
I am filing a complaint against Contract Callers Inc. regarding their failure to properly validate an alleged debt. After sending a certified debt validation request, the company responded with only a billing statement from XXXX XXXX and a generic letter stating the account was verified. They did not provide : A signed contract or agreement Proof I am legally responsible for the debt A full payment or account history Proof of their authority to collect Additionally, the account is associated with an address that is not currently on my credit report and has been disputed/removed, raising further concerns about the accuracy of this debt. Providing a billing statement alone does not meet the requirements of proper debt validation under the FDCPA. Despite this, the company continues to attempt collection on this account. I am requesting that Contract Callers Inc. : Provide full and proper validation of this debt, or Cease all collection activity and remove any reporting associated with this account This matter involves inaccurate and insufficient verification of a disputed debt. I request immediate investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: NM

Complaint narrative:
A past utility account with XXXX XXXX and XXXX ( XXXX ) was sent to a law firm/collections. I recently became aware of the balance and paid the full amount of {$1100.00} on XXXX XXXX, 2026. Prior to making payment, I was informed that once paid, the account would be recalled from collections and removed. Despite this, the account continues to be reported as outstanding/active and has not been updated to reflect a {$0.00} balance or recall. This inaccurate reporting has directly resulted in denial of my apartment applications, causing significant hardship. I have already provided proof of payment, yet the account is still being reported in a manner that does not reflect its current status.

Company response to consumer: Closed with explanation