vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, a XXXX salesperson sold me a water treatment system financed through Aqua Finance. I was told the financing was 0 % for 60 months and that if I made the monthly payments, the loan would be paid off in five years. I relied on those statements when agreeing to the purchase. I was not given a copy of the contract at the time of signing and only received one later after repeatedly requesting it from Aqua Finance. After making payments for years, I discovered that I still owed approximately {$2400.00} to {$3000.00}, which is not what was represented to me at the time of sale. I tried to resolve this directly with Aqua Finance by requesting the contract and information about the financing terms, but the issue remains unresolved. My experience appears consistent with the FTCs enforcement action against Aqua Finance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I requested the original contract signed agreement with Central Portfolio Cont and disputed online on XX/XX/XXXX and XX/XX/XXXX. Then I called to request the above documents on XX/XX/XXXX. When viewing my credit report, I only see them update without acknowledging my request for documentation.In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.In accordance with the Fair Credit Reporting act. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the XXXX REPORTING AGENCY, Central Portfolio Cont Account # XXXX, in the amounts of {$1800.00}, {$2000.00}, and {$100000.00}. XXXX REPORTING AGENCY, XXXX REPORTING AGENCY,15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency. Also, HIPAA Violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally notify Jefferson Capital LLC that the XXXX account you are reporting and/or attempting to collect is the result of identity theft. I did not open, authorize, or benefit from this account, and I am not responsible for this debt. This account was fraudulently opened using my personal information without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA 605B Identity Theft Related Information ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally disputing this account and demanding the following actions : Immediately cease all collection activity related to this account. Block and remove this account from all credit reporting agencies where it has been reported. Conduct a fraud investigation into this matter. Provide written confirmation that the account has been permanently removed from my credit file. Please be advised that continuing to report or attempt to collect a debt resulting from identity theft constitutes inaccurate reporting and may be considered a violation of federal law. If this matter is not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, and I will pursue any additional legal remedies available under the FCRA and FDCPA. Please respond in writing confirming the deletion of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: AMERIS BANCORP
State: VA

Complaint narrative:
I refinanced my loan and the original loan was being paid off by the new lender during that process. During the refinance period a late payment was reported on my credit report. Because the loan was in the process of payoff I believed no payment was required for that month. I contacted the company to correct this issue but the late payment remains on my credit report. This information is inaccurate and is negatively affecting my credit. I request that the company investigate this matter and remove the incorrect late payment from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: DISCOVER BANK
State: CA

Complaint narrative:
Dear Billing Dispute Department, I am writing to formally dispute a late payment reported on my account ending in XXXX for the statement dated XX/XX/year>. I never received the bill for that month, and as a result, the late payment was reported in error. Under the Fair Credit Billing Act, I request that this late payment be investigated and removed from my account and any related credit reporting. I have maintained timely payments on this account otherwise, and I would appreciate your prompt correction. Please confirm in writing once this matter has been resolved. If you need any additional information from me to verify this dispute, do not hesitate to contact me at the address or phone number listed above. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
i have done an end of lease inspection and they are charging me {$970.00} for tires because the front tires and the back tires are not the same brand. i have replaced them with the new tires that meets the original size, load ratings, and speed ratings. thread on the tires are still new. only issue is that they are not the same brand. i have reviewed my lease contract and there is no mention of tires need to be the same brand. below was the only requirement on the lease contract. quote repairs, including tires, must be made with original equipment manufacturers parts or those of equal quality and performance end of quote. so i have called them to remove the charges and they are insisting that the charge is valid. i have spoken with the supervisor and she insists that the fees are valid. so i have escalated to the manager and he/she have not responded or called me. below is the email that i have sent to them in regards to this. Further to my email below. I have reviewed the lease contract and the contract only requires XXXX parts or those of equal quality and performance. quote repairs, including tires, must be made with original equipment manufacturers parts or those of equal quality and performance end of quote. There is no mention of tires brand need to match. The tires I have replaced are new, meet the original size, load rating, and speed rating. These are of equal quality and performance. I have replaced the tires that meets your lease contract requirement. So please remove the tires fees from my inspection attached upon returning my car after the lease ends. and I still have not received a phone call from the manager in regards to this. please have him call me so that I can get this settled before my end of lease. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App failed to properly handle dispute for {$12.00} to XXXX. On XX/XX/year>, I contacted Cash App after reaching out to XXXX XXXX by email regarding broken cookies and being ignored and denied a refund. I provided photo evidence and explained the situation. The merchant later responded, apologized, and falsely claimed they never received the photos or that I had contacted them. After that, they agreed to issue a full refund of {$12.00} back to me via Cash App. Cashapp all failed to properly review this matter or listen to the associate I spoke with by phone, where I clearly stated that I had email correspondence confirming I was promised a refund. Please stop sending automated responses and thoroughly investigate this dispute. Additionally, the documentation Cashapp sent does not reflect the information I previously provided, specifically the emails showing that I requested a refund, the merchant agreed, and sufficient time passed without the refund being issued. This indicates that the dispute was not fully or properly reviewed. I am requesting a complete and thorough investigation of all submitted. I submitted disputes to Cash App regarding transactions with XXXX and XXXX XXXX, and neither dispute was properly investigated. For the XXXX transaction, I was sent the wrong product. Because the item received did not match what was ordered, I disputed the charge with Cash App. However, Cash App failed to properly investigate the matter or adequately review the evidence showing that the incorrect product was sent. For the XXXX XXXX transaction, I contacted the merchant multiple times regarding a refund issue. XXXX XXXX only issued a partial refund and repeatedly told me that the remaining refund needed to be handled by another department. I was continually given the runaround and was eventually told to contact my bank to recover the remaining funds, which is why I filed a dispute with Cash App. Despite this, Cash App did not properly investigate the dispute or take into account the merchants own statements directing me to resolve the issue through my financial institution. Cash App is responsible for conducting a proper dispute investigation, reviewing the documentation provided, and contacting the merchant when necessary. That did not occur in these cases. Because of these failures, I am requesting that these disputes be reopened and properly investigated, with confirmation that the merchants are contacted and that all relevant documentation is reviewed. Cash App should ensure that proper dispute procedures are followed so consumers are not left without resolution when merchants fail to correct issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding the reply provided by Aidvantage concerning my dispute. Aidvantage claims that the information being reported is accurate ; however, they did not provide any documentation supporting that determination. My dispute specifically requested documentation confirming the accuracy and legal authority of the account being reported. In my original dispute, I requested verification of the following : The original signed agreement or promissory note authorizing the alleged student loan Documentation establishing the chain of title or assignment of the account from the original creditor to the current servicer Documentation demonstrating that Aidvantage has legal authority to furnish information regarding this account to consumer reporting agencies A complete accounting of the alleged balance being reported Aidvantage did not provide any of the above documentation in their response. Instead, they issued a generic statement asserting that the information is accurate and requested that I provide additional information. Under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation when a consumer disputes the accuracy of information being reported. A reasonable investigation requires reviewing relevant documentation and confirming the accuracy of the data being furnished to the consumer reporting agencies. Aidvantages response does not demonstrate that such an investigation occurred. It does not provide the method of verification used, the documentation reviewed, or any evidence establishing that the account information is accurate. Additionally, my dispute raised concerns regarding inconsistent reporting, as XXXX related account was previously removed from my credit reports while another account with a balance of {$1000.00} continues to be reported. Aidvantage did not address this inconsistency in their response. Because Aidvantage has not provided documentation supporting the accuracy of the information being reported, the continued reporting of this account raises concerns regarding compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc
State: VA

Complaint narrative:
In XXXX, I had an outstanding balance for therapy sessions with XXXX, which was for XXXX or XXXX dollars. My debt was then sold to Mnet Financial for XXXX, which makes no sense. Ive been paying Mnet Financial since XX/XX/XXXX. In XXXX of XXXX, XXXX then sold one of my sessions to XXXX XXXX XXXX for {$150.00}. I disputed that claim with the CFPB, and the {$150.00} was then sent back to XXXX. Today, I received an email from XXXX saying I have an outstanding balance with them. I then called XXXX to see what was going on, & the representative informed me that my account was sold to Mnet Financial and theyre unable to tell me the specifics, but I didnt have a balance with them. If the debt was sold to Mnet Financial and XXXX have no control over my account, XXXX has no right to say how much is owed or to try to collect money from me. After the call, I received an email again from XXXX saying I owe {$350.00}. Im getting frustrated because I was under the impression XXXX sold the entire debt to Mnet Financial. XXXX keeps harassing me for money and selling debts to different agencies, when I dont owe them anything. My debt was {$3200.00} or {$3300.00}. Why is my debt with Mnet Financial {$2900.00} instead of the full amount? I have to keep calling Mnet Financial and XXXX. I want to dispute the debt in its entirety because both companies are not being honest with the amount owed. I have not been to therapy since XX/XX/XXXX, so these new charges are fraudulent. I do not owe them anything.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MS

Complaint narrative:
Three Social Security XXXX benefit payments of {$750.00} each were deposited through the ACH network into a Cash App account associated with XXXX XXXX. The total amount is {$2200.00}. These federal benefit payments belong to me, but I have never been able to access the Cash App account that received them. Documentation from the U.S. Treasury Check Information System confirms the deposits. I attempted to recover the account and obtain access to the funds through Cash Apps account recovery and customer support processes but was unable to regain access or obtain the funds. Because the funds are federal Social Security XXXX payments and remain inaccessible, I am requesting that Cash App / Block , Inc. and XXXX XXXX investigate the deposits and either restore access to the account or return the funds so they can be properly reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: FL

Complaint narrative:
I have been waiting 8 months for my income driven repayment application to be processed, and 6 months prior to that with a previous application that was never processed and had to be resubmitted. This is causing a delay in my ability to make qualifying payments to XXXX XXXX XXXX XXXX ( as a requirement is being approved for an income driven repayment plan ) and I am losing valuable time. The current issue is that an overpayment on a specific loan ( made by the Florida Department of Health as part of an award program ) is creating a hold on my account that has not been resolved since XXXX of XXXX. I can not get a hold of a single person who has been able to help me at all. When I receive a call back from a supervisor usually I am at work and in the past even when I have spoken to someone it has not resolved my issues or made ANY progress whatsoever to resolving them.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am submitting this, on my behalf, rebuttal regarding the response provided by Transworld Systems Inc. in connection with my complaint. TSI states that it received validation documentation from the original creditor, XXXX XXXX XXXX, and provided a final invoice reflecting electric service charges. While the invoice reflects billing activity, it does not sufficiently verify that I am legally responsible for the alleged debt. The documentation provided appears to be a billing statement reflecting service usage and an account status of written off. However, this document alone does not demonstrate that I personally opened the account, authorized the service, or agreed to be financially responsible for the charges. No documentation was provided showing a service application, identity verification, or authorization for the account to be opened in my name. Additionally, TSI did not provide documentation demonstrating its legal authority to report this account to consumer reporting agencies. TSI stated that it received validation from the creditor but did not provide documentation showing that the account was assigned, transferred, or otherwise authorized for collection reporting by Transworld Systems Inc. Furthermore, TSI stated that the account has been placed in a restrictive status and that it does not intend to have further communication regarding the account. If TSI is no longer actively collecting on this account, it raises concerns regarding the continued reporting of the account as a collection tradeline. Because the documentation provided does not establish proof of liability, proof of assignment or authorization to report, or verification of the delinquency timeline, the accuracy of the account being reported remains in dispute. I am requesting that Transworld Systems Inc. provide documentation demonstrating : Proof that I personally opened or authorized the account with XXXX XXXX XXXX Documentation showing Transworld Systems Inc. has legal authority to collect and report this account Verification of the Date of First Delinquency associated with the account Confirmation of the information furnished to the credit reporting agencies under XXXX XXXX reporting standards If Transworld Systems Inc. can not provide documentation verifying these items, I request that the collection account be removed from all consumer credit Reporting agencies

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: NC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report. I have been denied credit. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my crredit report. My score has decreased dramatically due to these discrepencies.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I opened a new checking account with Chime after seeing a promotional offer that promised a bonus if certain requirements were completed. I followed the steps required for the promotion and ensured that I met all the conditions within the specified time period. These steps included completing the qualifying transactions required by the promotion. During this process, I contacted customer support multiple times to confirm that I had successfully completed all the requirements. Each time, the support representatives verified that I had met the eligibility conditions for the promotional bonus. However, the promotional bonus was never credited to my account. When I contacted customer support again to follow up, I began receiving different explanations, and I was eventually told that I would not receive the bonus despite previously being told that I had met all the requirements. Because the promotion was not honored and the information from customer support was inconsistent, I decided to close my account. I believe the company did not honor the promotional offer after confirming that the requirements had been completed.

Company response to consumer: Closed with explanation