vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: VA

Complaint narrative:
I have been trying to enroll in autopay since XX/XX/year>. It has caused me to miss multiple payments since then and the payment is still only functioning with a manual payment. MOHELA. They don't provide any loan details. The interest was never capitalized and added to the balance if I recall correctly. The excess interest was paid before any principal.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am formally disputing the late payment and delinquency notations on my credit report, as they do not accurately reflect my payment history. These entries should be corrected to Paid as Agreed and any delinquency references removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I am submitting this complaint regarding Transworld Systems Inc. concerning a debt in the amount of {$1600.00} that is currently being reported on my credit report. I never received the required written validation notice under 15 U.S.C. 1692g after this company began attempting to collect this debt and/or reporting it to the credit bureaus. After discovering the account, I sent a written dispute requesting validation of the alleged debt on XX/XX/year>. More than XXXX days have passed, and Transworld Systems Inc. has not responded to my dispute or provided any documentation verifying the debt. The account continues to be updated monthly on my credit report. If the company failed to provide proper written notice and failed to respond to my written dispute, continued reporting without validation raises serious concerns regarding compliance with federal law. I am requesting : Proof that a legally compliant validation notice was sent to me Documentation verifying the debt, including the original creditor and a breakdown of the amount claimed Proof that Transworld Systems Inc. has the legal authority to collect this debt Deletion of this account from my credit report if the above documentation can not be provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: TX

Complaint narrative:
A number of days ago I would say about XXXX Paypal unjustly put my account on hold for " suspicious '' activity. For XXXX days they said and would not tell me why. My mother sent that money out of generosity and love and she works hard for her money and so do I. Paypal did this without even giving me an opportunity to appeal the decision or even tell me what it's for. I feel discriminated upon because I am in poverty and I expressed that to them. Soon after my account was permanently suspended and I was evicted because I couldn't pay my rent I now live in a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Acra Intermediate Holdings, LLC

Complaint narrative:
Citadel Servicing Corporation issued insurance claim proceeds in the amount of {$20000.00} on XX/XX/year>. The cheque was never negotiated and has become stale. I have repeatedly requested the cheque be reissued but have not received assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
Greetings, As of XXXX XX/XX/year>. I made a phone call to Rent Recovery Solutions to make a one time payment on the debt collection account. Now, on XX/XX/year> I talked with a different representative named XXXX. She wanted to setup a payment plan which I agreed at first but I told her that I changed my mind because I dont want it to affect my credit no more then what its already have done. I Then make a one time payment with XXXX for {$120.00} to get my self started. Fast forward back to today. I ask the representative which whom I spoke to today about the {$120.00} and she stated that she didnt see the & XXXX on my account. She then put me on hold and came back on the line forcefully stating that she didnt see the {$120.00} on my account. She then, asked if I wanted to proceed with the {$560.00} I mentioned to her before asking about previous payment because I never received a confirmation to my email as XXXX told me I would. I asked for a manager and the representative told me that the manager was in a meeting and that she would call me afterwards. After saying okay and hanging up the phone I was deeply concerned about Rent recovery Solutions wondering if the company was real or not. I called Rent Recovery Solutions again asking to speak with a manager. A different representative answer and dialed an extension for the manager. The call was sent too voicemail. After hanging up and waiting a while I called Rent recovery solutions again. A received another representative. After explaining to her the on going issue, she stated that she saw the {$120.00} but it wasnt posted. I asked her why couldnt the last representative see it and she stated because she didnt look hard enough. XXXX. She told me that she was escalate the matter to her manager because the payment was never posted to my account. The representative told me that her manager would call me later but I never received a call back from Rent recovery solutions again. Now Im concerned because the company seems fraudulent.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
I had an account for XXXX and had to dispute multiple transactions after telling cashapp customer service that my funds had been stolen out of my account. After waiting on their investigation my account was closed with no explanation as to why and I have not been able to create an account since then. I have not been given any credits for the inconvenience nor have they looked at any of the receipts of the transactions that proved my funds were stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
I am submitting this correspondence as a formal dispute and escalation regarding the reporting of a late payment on my student loan account, which has resulted in an abrupt and disproportionate XXXXpoint reduction in my credit score. This late payment reflects the very first instance of delinquency on a newly established student loan account. At no point prior to the reported delinquency did I receive clear, timely, or effective notification sufficient to establish awareness of the payment due date or the impending reporting consequences. The absence of proper notification represents a significant breakdown in communication and has directly contributed to this outcome. The governing legal framework for how student loan servicers must notify borrowers about repayment obligations is codified in federal statute and administrative regulation under the umbrella of the Higher Education Act of XXXX ( HEA ) and its implementing regulations. 20 U.S. Code 1083 ( part of the HEA ) sets a mandatory disclosure regime for lenders and servicers that requires them to provide borrowers with key repayment details in advance of the repayment period including the scheduled first payment due date and the address/contacts to which payments and communications should be sent at least 30 days before the first payment is due. This ensures borrowers are materially informed before they start repayment. As a consumer operating in good faith, I maintain a strong expectation that servicers will execute reasonable and industry-standard notification protocols, particularly for newly originated obligations. The failure to provide adequate notice deprived me of the opportunity to fulfill my obligation on time and prevent adverse reporting. Given the circumstances, I am formally requesting the following corrective actions : Immediate investigation into the notification procedures associated with my account Verification and documentation demonstrating that proper and timely notice was provided Goodwill adjustment or removal of the reported late payment from my credit file Prompt correction and restoration of my credit profile with all relevant credit reporting agencies This isolated incident does not reflect my overall creditworthiness or financial responsibility, and the severity of the impact is neither reasonable nor justified given the lack of proper notification. Please treat this matter with urgency and provide written confirmation of your findings and corrective actions within 15 business days. Failure to resolve this matter appropriately will require escalation through formal complaints through your service provider Bureau and applicable regulatory authorities. I expect your full cooperation in resolving this matter promptly and restoring the accuracy and integrity of my credit record. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
My Capital One 360 checking bank account was closed and a {$400.00} XXXX transfer was made to this account from my moms XXXX bank account. The {$400.00} shows payment from XXXX XXXX XXXX but Capital one hasnt returned the {$400.00} back to my XXXX account or have access to my {$400.00} dollars. The Capital one account was closed and permanently restricted. Why hasnt my {$400.00} returned back to my original bank account. I have no access to the {$400.00} XXXX payment due to a restricted account and the money was never sent back and or returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
This company is listing this as a negative item on my credit report and have refused to remove it

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I opened a * * Bank of America XXXX XXXX XXXX Banking Account * * for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on * * XX/XX/2026 * * through a promotional referral link offering * * a {$750.00} bonus after depositing {$15000.00} * *. I deposited * * {$15000.00} * * and have maintained the funds in the account for * * over one month * * specifically to qualify for this promotion. However, when I contacted Bank of America, I was told that * * no promotion is attached to my account * *, even though I opened the account through the promotional link. This promotion was the primary reason I opened the account and deposited the funds. Because of this issue, I have kept {$15000.00} in the account for over a month and lost the opportunity to earn interest elsewhere. I request that Bank of America review the account opening records and * * honor the {$750.00} promotional bonus * *. If the promotion needs to be manually applied, the qualification period should be counted from the date when the {$15000.00} deposit requirement was first met. XXXX XXXX

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 2026-03-04 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: CA

Complaint narrative:
b'i realized that there was an unauthorized transaction on my CashApp account, they said nothing could be done until it was a completed transaction. Once that happened, I filed a dispute was told it could be up to 10 days, however, they denied my dispute within 12 hours and when I asked for the documentation, they declined to provide that to me as well. \nupon further investigating on my part, I discovered that my venmo card had been fraudulently used as well. \n\nCash App card ending in XXXX XXXX at XXXX in XXXX Texas store XXXX XXXX XXXX at XXXX in XXXX Texas store XXXXXXXX card ending in XXXX XXXX at XXXX in XXXX XXXX store XXXX XXXX contacted cash app to dispute the charge, they denied it. I asked them to provide me with any documents that helped them to arrive at that decision, and I still havent gotten anything from them. \nI am in the process of filing a police report with the XXXX XXXX XXXX XXXX as I am filling out this complaint. At no time have I given my card or my card information to anybody. I have not left the state of California in god knows how long. I did not make the purchase in XXXX XXXX either'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NY

Complaint narrative:
This debit collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we did not agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand that this Account Be taken off immediately

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 2026-03-04 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: OR

Complaint narrative:
Bank of America Credit card shared with deceased ex wife Bank says it wasnt shared account Car loan I had no idea I was on at XXXX XXXX XXXX belongs to deceased ex wife also Credit cards I had no idea I was co sign on credit company transfers her setos to my credit report after she died I asked for proof of ownership they responded with Im now responsible for all of our credit debt

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: NJ

Complaint narrative:
On XXXX XXXX XXXX, a transfer of USD XXXX ( with a USD XXXX transaction fee ) was initiated from a USD account to an XXXX account, with the expected amount to be received being XXXX XXXXXXXX. The transaction was marked successful on XXXX XXXX XXXX but the funds have not been credited to the XXXX account. Multiple attempts were made to contact the company via phone and email, but no satisfactory response or resolution was provided. As of now, the issue has persisted for several days after the transaction was marked successful, causing significant inconvenience. The requested action is either the immediate credit of XXXX XXXX to the recipient account or a refund of USD XXXX plus transaction charges if the transfer failed internally. Willing to provide any supporting documets and information on request.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I reported Amex gold card stolen and so closed with XXXX balance. Card had XXXX balance and closed. I no longer own this debt as I closed with a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Teller Deposit Error Causing Financial Damage On XX/XX/year>, I deposited {$3200.00} into my landlords account at a Chase branch. Due to a teller error, only {$320.00} was credited instead of the full {$3200.00}. As a result of this mistake, my rent payment appears incomplete, and I am at risk of being charged a {$320.00} late fee by my landlord. I reported the issue to the branch as soon as I discovered the error. The bank acknowledged the mistake and stated that it may take XXXX days to correct. However, this delay has placed me in a financially vulnerable position and exposed me to penalties that are not my fault. I am requesting : Immediate correction of the deposit amount. Written confirmation of the banks error. Reimbursement of any late fees or damages caused by this mistake. I believe the bank should take full responsibility for the consequences of its employees error. I am seeking prompt resolution and protection from financial harm. Additionally, I am disappointed with the branchs handling of this situation and the lack of urgency given the financial harm I may incur. I expect better accountability and customer protection from a major financial institution. My name XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I pulled my credit report and I noticed that Phoenix Recovery Group is fraudulently trying to collect debt for XXXX at XXXX. I did not sign a contract with this collection agency, therefore I do not owe this debt. Please remove from my XXXX credit 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 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates attempted to serve me in a matter alleging {$3700.00}. I was not properly served. The process server did not place the documents in my hands ; instead, my husband discovered the papers thrown on the ground at our residence. On XX/XX/XXXX, I appeared for trial and informed the Court that service was improper. Under oath, the Plaintiff confirmed there was an incorrect description associated with the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I attempted to make a donation through what appeared to be the official XXXX website. The website looked identical to the legitimate XXXX platform. I entered my card information believing I was donating to a fundraiser hosted on XXXX. I was charged {$26.00} by a different and unfamiliar merchant name that does not appear in my XXXX account transaction history. After reviewing my XXXX account, I confirmed that no donation was processed through XXXX. I contacted Bank of America by phone twice ( most recently on XX/XX/XXXX ) to report this as fraud due to merchant impersonation/misrepresentation. I explained that the website was deceptive and impersonating XXXX, and that I did not authorize a transaction with the merchant listed on my statement. During one of the calls, the representative stated that she attempted three times to open a dispute on her end, but the system would not allow her to proceed. I was told they could not open a dispute because I made the purchase. Additionally, when I attempt to initiate a dispute through Bank of Americas online banking platform, the system directs me to call customer service instead. When I call, representatives state they are unable to open the dispute. This creates a circular process that prevents me from filing a formal dispute or having the transaction investigated. I also attempted to contact the merchant listed on the charge directly via email. My initial email was rejected as undeliverable. I then attempted to send the inquiry again using a different email method, but I have received no response. This further raises concerns about the legitimacy of the merchant. I believe this charge resulted from a deceptive website impersonating a legitimate platform, and therefore constitutes fraud or merchant misrepresentation. I am requesting that Bank of America properly investigate this transaction as unauthorized due to deception and credit the {$26.00} charge. To date, Bank of America has failed to initiate a dispute investigation despite multiple attempts on my part.

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