vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute and reversal of funds related to a billing error with a merchant ( XXXX XXXX I was incorrectly charged approximately {$91.00} due to duplicate billing from XXXX. I contacted the merchant multiple times to resolve the issue but was denied a refund despite clear evidence of a billing error. I then filed a dispute through Cash App and provided supporting documentation. During the investigation, Cash App issued a temporary credit of approximately {$45.00}. However, my dispute was later denied without a proper explanation, and the temporary credit was reversed. I was not given a fair or sufficient opportunity to submit additional evidence before the dispute decision was made. As a result, my account is now in a negative balance, which is causing financial hardship. Additionally, I have been informed that if the merchant processes a refund, the funds may be returned back to the merchant due to account closure, which raises further concerns about my ability to recover my money. I am requesting : * A full review of my dispute with proper consideration of all evidence * Reversal of the negative balance on my account * Clarification on how refunds will be handled given the merchant account is closed I believe Cash App has failed to properly investigate my claim and has not acted in good faith in resolving this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I received a fed ex letter from PNC Bank regarding my property being in a flood zone. I called and sent them all of my documentation that i received from my HOA showing that I am not in a flood zone. There is a little piece of the XXXX association that is in the flood zone, but I am not. I have tried to explain this to them, sent them all of my paperwork and received no response from them. Then I look at my account on XXXX PNC Loan # XXXX and they put forced placed flood ins on my property for {$1200.00} per year.. I then had to call XXXX XXXX to obtain my own flood which cost me {$470.00}. I told them I can not afford their flood ins, as I am a Sr Citizen and am on Social Security. They didn't care, they did not want to hear anything I had to say, and they never got back to me either by mail, email or a phone for all of the documentation I have sent to them. They just put that flood ins on my property which will make my monthly payment increase by {$210.00} when my account is reanalyzed. PNC just purchased my mortgage from XXXX XXXXXXXX XXXX on XX/XX/year>. I have never carried Flood Ins and I think its ridiculous that they can just strong arm you and do what they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I moved out of my apartment after my lease term ended and fulfilled my obligation to vacate the property. After moving, I was later notified of a collection account placed by National Credit Systems in the amount of approximately {$1500.00}. I did not receive proper notice or a detailed breakdown of the charges before this account was sent to collections. There was no clear explanation of what the balance represents or how it was calculated. Because of this, I disputed the account. On or around XX/XX/XXXX, the account was placed into collections. I formally disputed the account, and it is currently marked as disputed, with a recent verification date of XX/XX/XXXX. However, despite my dispute, the account continues to be reported on my credit file without sufficient validation. I have not been provided documentation such as a final itemized statement, lease balance reconciliation, or proof that I legally owe this debt. I also have not received proof that the collection agency has the authority to collect on this account. This has negatively impacted my credit and ability to obtain credit.

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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XX/XX/XXXX ( Not My Account ) I am filing this complaint regarding an account being reported on my credit report by XXXX XXXXXXXX XXXX XXXX XXXXXXXX that does NOT belong to me. According to my credit report, this account was allegedly opened in XX/XX/XXXX. I categorically deny opening this account, authorizing this account, or having any financial responsibility for it. I know this account is not mine for several clear reasons : I previously had a XXXX account in or around XXXX, at the time I gave birth to my son. My son is now XXXX XXXX XXXX, and I have not had, used, or opened any XXXX or XXXX XXXX XXXX account since that time. I never opened any such account in XXXX, nor did I authorize anyone else to do so on my behalf. Since last year, I have made multiple goodfaith attempts to dispute and resolve this matter directly with both the original creditor and any associated collection company attempting to collect on this debt. Despite these efforts : I have not received proper validation or verification proving that this account belongs to me. I have repeatedly requested written documentation to be sent to my physical mailing address, and nothing has been provided. The account continues to be reported on my credit file without proper investigation or verification. This behavior constitutes a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to : Reporting inaccurate and unverifiable information Failing to reasonably investigate a disputed account Failing to provide proper validation upon request Continuing to furnish information that is known or should be known to be inaccurate I am a highly educated and informed consumer, and I am fully aware of my rights under federal law. The continued reporting of an account that clearly does not belong to me is not only negligent, but a direct insult to my integrity and intelligence as a consumer. I am submitting this complaint through the CFPB because I was advised that this is the appropriate regulatory channel to resolve situations where creditors and furnishers fail to comply with federal consumer protection laws. If this matter is not resolved promptly and correctly, I am fully prepared to seek legal counsel and pursue all remedies available to me under the FCRA and applicable consumer protection laws. This account is not mine, was never authorized by me, and must be removed.

Company response to consumer: Closed with explanation
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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a secondary, escalated complaint against Capital One for failing to conduct a good-faith investigation into my billing dispute, ignoring irrefutable government evidence of merchant fraud, and improperly reapplying a {$1600.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I paid {$1600.00} to XXXX XXXX XXXX for a XXXX logo filing and application package. The merchant failed to provide the services I paid for. I initiated a dispute with Capital One on XX/XX/XXXX. In response, the merchant submitted a fabricated XXXX rebuttal to Capital One, falsely claiming they built a complex mobile/web application for me, and supplied forged signatures on fake service agreements and completely manufactured chat logs. On XX/XX/XXXX, I submitted a comprehensive rebuttal to Capital One containing five exhibits ( A-E ) proving the merchant 's response was entirely fabricated. Most notably, I provided an official XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ) Combined Show Cause Order dated XX/XX/XXXX. This federal order explicitly names the merchant ( XXXX XXXX XXXX XXXX XXXX ) and sanctions them for engaging in the unauthorized practice of law, providing fraudulent information, and forging applicant signatures to deceive the government. Furthermore, I provided documentation proving that my legitimate trademark application ( Serial No. XXXX ) was flagged by the XXXX and forced into abandonment directly because of this merchant 's deceptive and unauthorized practices.Despite providing this conclusive, government-issued evidence that the merchant is a federally penalized scam operation, Capital One closed my case on XX/XX/XXXX. Their letter bizarrely claimed my response " lacks all of the previously requested information needed to validate your dispute '' .Capital One has failed their investigatory obligations under the Fair Credit Billing Act by taking a known scammer 's fabricated documents at face value while entirely ignoring an official federal sanction and my detailed proof of forgery. I am requesting that the CFPB compel Capital One to properly review my documentation ( Exhibits A-E ), recognize the merchant 's rebuttal as wholly fraudulent, and permanently credit the {$1600.00} back to my account.

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 — Received bad information about your loan
Company: MOHELA
State: DE

Complaint narrative:
I graduated in XXXX and entered repayment on my federal student loans, which are currently serviced by MOHELA. Since entering repayment, I have experienced ongoing issues with the handling of my account, specifically related to my applications for an Income-Driven Repayment ( IDR ) plan. I applied for an IDR plan for the first time around XXXX. After submitting my application, I did not receive clear confirmation of approval, and my account did not reflect consistent or accurate updates regarding my repayment plan status. Due to the lack of clarity and updates, I submitted a second IDR application on or about [ insert second date ]. Despite submitting two separate IDR applications, I have continued to experience confusion regarding whether my applications were properly processed. My account has not consistently reflected accurate payment amounts, repayment terms, or status updates tied to these applications. On multiple occasions, I reached out to MOHELA to request clarification. I was provided with incomplete or inconsistent information, and the issue remains unresolved. As a recent graduate navigating repayment for the first time, I relied on my loan servicer to provide accurate and timely processing of my IDR applications, as well as clear communication about my repayment obligations. The failure to properly process or communicate the status of my IDR applications has caused financial uncertainty and concern that my account may not be in the correct repayment status. I am requesting a full review of my account, including both IDR applications, correction of any errors in my repayment status or payment calculations, and adjustment of my account as appropriate. If my applications were not properly processed, I am requesting that any negative financial impact be remedied, including recalculation of payments and consideration for appropriate relief.

Company response to consumer: Untimely response
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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I had a credit card with Navy Federal credit union that was charged off. I still have an existing card loan with Navy Federal credit Union as well on XX/XX/XXXX. The day that my car loan is due I deposited {$500.00} into my Navy Federal credit union checking account and {$460.00} of that money was taken out the money was deposited to cover my car loan payment and also my health insurance premium as I am currently out of work on long-term XXXX and XXXX. Those are federally protected funds from XXXX. I am out of work battling a very serious illness, called XXXX, XXXX, and undergoing XXXX treatment Navy Federal. Credit Union just took the money did not apply it to my car payment and I was not able to pay my health insurance premium because they took it as a set off because of my charged off credit card payment but disability funds are supposed to be protected. I XXXX it from my XXXX XXXX account into my Navy Federal account so now theyre saying, those funds arent protected, even though it came from long-term XXXX.

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 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Complaint Against Credit Acceptance Corporation Deceptive Auto Loan and Unfair Payment Practices I am filing a complaint regarding my auto loan with Credit Acceptance Corporation for a XXXX XXXX XXXX purchased in XXXX. At the time of purchase, I was rushed through the paperwork process and did not fully understand the terms of the loan. The representative handling my financing instructed me that if anyone called to verify the loan, I should just say yes to everything. I relied on their guidance and did not have a fair opportunity to review or understand the agreement. I believed my loan amount was approximately {$24000.00}, but I was not made aware that a very high interest rate of 22.99 % APR was being applied. As a result, my total loan amount became approximately {$44000.00}, with monthly payments of {$620.00}, which has caused long-term financial hardship. I also made a {$4000.00} down payment on this vehicle. Despite paying for many years, I am still struggling to complete this loan, which I believe reflects the unfair structure of the financing. In addition, I was previously placed on a payment plan that I could afford and followed consistently. This plan was later removed, and I was told that no new payment arrangement could be offered, even though I only have approximately {$3000.00} remaining on the loan. The removal of this affordable plan has placed me in financial distress and increases my risk of default and repossession. I feel that I was misled during the loan process and that the current servicing of my loan is unfair. I am requesting : A review of the loan origination and sales practices Reinstatement of an affordable payment plan Consideration of relief due to the high interest and financial hardship Any other resolution deemed appropriate I would not have agreed to these terms if they had been properly explained to me. Thank you for your attention to this matter.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I settled my debt with the firm 's client, XXXX XXXX, through XXXX XXXX XXXX on XX/XX/year>, by paying {$2100.00} ( Confirmation # XXXX ). I have repeatedly contacted the firm to obtain a final settlement letter and to ensure they notify the credit bureaus. Instead of providing the required documentation or updating my account to a {$0.00} balance, the firm provided generic automated responses and failed to correct the reporting. As of XX/XX/year>, my credit report still inaccurately reflects a balance of {$2800.00} and a 'Charge Off ' status, causing ongoing financial harm.

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: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am closing all of my Chase accounts. I have a new checking account with XXXX XXXX that I have been using for months. I made one final transaction of {$960.00} on XX/XX/XXXX. XXXX XXXX is saying they have nothing pending and there is nothing they can do. Chase is saying the transaction was made and there is nothing they can do. So now I am out all of that money and can not pay bills as a result. This will take a hit on my credit and I will get evicted from my apartment due to not being able to pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding the failure to properly process and release the lien on my vehicle loan after full payoff, resulting in significant financial harm and ongoing delay of my insurance claim. I made the final payment on my auto loan on XX/XX/year>, thereby satisfying the obligation in full. Despite this, I did not receive a timely lien release. My vehicle was subsequently damaged, and my insurance company requires the lien release in order to process and issue payment on my claim. Due to the failure to provide this document, I have been unable to receive my insurance payout since XX/XX/year>, causing ongoing financial harm. On XX/XX/year>, I contacted Westlake regarding the lien release. I was informed it had been mailed to an outdated address, despite Westlake having previously sent billing statements to my correct, updated address. I corrected my address during that call and was advised a replacement lien release would be sent within 710 business days. Expedited processing was refused. On XX/XX/year>, I called again and discovered my address had once again been incorrectly recorded, despite being clearly provided and repeated multiple times. I was again told to wait 710 business days. On XX/XX/year>, I followed up again and was told the lien release had only just been processed that day, which contradicted prior statements that it had already been mailed and that I would have to wait until XX/XX/XXXX to request another copy. As of XX/XX/year>, I have still not received the lien release. On XX/XX/year>, I was informed by a supervisor that my loan was paid off on XX/XX/year>, but the lien release was not processed until XX/XX/year>. I was told there was a delay due to address verification ; however, I was never contacted to verify my address despite multiple prior successful mailings to my correct address. These repeated inconsistencies, incorrect address handling, and contradictory explanations demonstrate clear administrative failure. In addition to this, they did not close the loan once it was paid off which affected my credit in a misleading way. The account did not close until XXXX according to my credit report even though I paid this off in mid XXXX. Additionally, my insurance company has advised that the lien is associated with XXXX XXXX XXXX, not Westlake Financial Services. This raises concern that lienholder information has been mismanaged or incorrectly assigned, which has directly contributed to the delay in resolving my insurance claim. As a result of these failures, I have suffered : Delayed insurance payout since XX/XX/year> Ongoing inability to resolve my insurance claim Repeated time off work and administrative burden attempting to resolve this issue Financial and personal hardship caused entirely by servicing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
SoFi Bank advertises a {$400.00} bonus with direct deposit for opening a new checking account. I work for the largest employer in CA, XXXX XXXX XXXX, and the bank said their direct deposit was not coded correctly. I don't feel that consumers should have to push back to get the bonuses they are entitled to, yet that has been my experience with everything SoFi has promised to me via the terms and conditions they wrote and we both agreed to.

Company response to consumer: Closed with explanation