vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Capitol One card said that there was an unauthorized charge and wanted me to send the front and back of my drivers license to prove my identity. This, however, was a rogue. The real problem, I found out, was that I had been paying off my card each month for the past 3 or 4 months and they were not getting any interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
In XXXX of 2026 the XXXX XXXX XXXX requested paperwork for my XXXX discharge. I provided them with the paperwork and they have continued to make it difficult for me to receive funding. They never distributed my excess funds for XXXX. This paperwork was not supposed to be an issue until the XXXX FASFA year. They have changed assignments that I have turned in and made it impossible for me to continue with my courses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have tried over XXXX times to have my escrow account reviewed and assessed. They have done so and screwed it up over 5 times and no one can call me or fix it. I currently pay about {$1000.00} more each month than I need to and they refuse to re-assess my insurance. Now they are even saying that I don't have enough insurance once they removed an old policy. However, I am more than issued with a policy that is wind and homeowners and they are telling me they are going to purchase and expensive policy that I have to pay for even though I am fully insured. Every person I have talked to does not know how to solve this simple issue and it keeps getting worse and costing me more money and time. At this point I have been on the phone with them for over XXXX hours and the problem keeps getting worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: PA

Complaint narrative:
I am writing to formally complain about the suspension of my access to Cash App and my sponsor 's account. My previous Cash App account had an outstanding balance, which I have since paid in full. I took full responsibility and made sure the balance was completely resolved. Despite this, I am now unable to use my account, and my sponsor 's cant use their account, and it appears that I have been restricted without clear explanation. I believe this action is unfair, especially considering that my prior obligation was satisfied. I respectfully request a thorough review of my situation and clarification as to why I am being restricted despite resolving my previous account balance. Please let me know what steps I need to take to resolve this matter as soon as possible. I would appreciate prompt attention to this issue. On XX/XX/2025, Cash App responded to my Consumer Complaint No. : XXXX, and stated that Furthermore, your Cash App Cards were closed, not your Cash App accounts. To restore access, please order a new Cash App Card through the Cash App mobile application or online. Our records confirm that your Cash App account remains open ; however, your son 's sponsorship was canceled by you on XX/XX/2025. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Description of What Happened The Theft and Immediate Reporting On Friday, XX/XX/year>, my backpack was stolen on campus at XXXX. It contained my XXXX and my physical government ID. I discovered the theft and called my bank ( Capital One ) at XXXX XXXX on Saturday, XX/XX/XXXX, to report the theft and unauthorized activity. This was before the fraudulent charges were even finalized or " posted. '' I eventually recovered my phone through the XXXX XXXX XXXX over that following weekend at XXXX XXXX XXXX, a location I do not reside in. Unauthorized Apple Wallet Activity vs. Account History While the thief had my phone and physical ID, they accessed my XXXX XXXX to bridge transfers from my bank to a betting site ( XXXX ) via a mobile browser. They initiated XXXX massive transfers totaling {$4000.00} ( {$1000.00}, {$1000.00}, and {$2000.00} ). Im able to provide my XXXX and XXXX statements which prove my typical XXXX XXXX XXXX transactions are only between {$50.00} and {$100.00}. I have never transferred XXXX of dollars at once in the entire history of my account. This was a high-velocity " draining '' of my savings while my device was out of my possession. The Bank 's Failure I attempted to log into the merchant ( XXXX ) through a browser at XXXX XXXX on Saturday and saw that the unauthorized trades were still " open. '' I contacted the merchant support at XXXX XXXX to stop the trades while they were pending, but they refused to help. Capital One denied my claim ( # XXXX ) claiming " authorization, '' but I have a sworn Federal FTC Identity Theft Affidavit ( # XXXX ). The bank ignored the massive jump in spending ( from {$100.00} to {$2000.00} ), the geographic mismatch of the recovery location, and the fact that my physical ID was stolen with my phone. Under Regulation E, the bank is responsible for these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: WA

Complaint narrative:
applied for credit card with TD bank and was denied even with my credit score being XXXX and having a good payment history. they advertised 200 $ bonus and denied because they knew i was only applying for it. its false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NM

Complaint narrative:
{$1400.00} Frozen Sent documents Can not pay rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Validation of Debt Request - COLUMBIA DEBT RECOVERYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy o f the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
ABSOLUTEREis falsely reporting on my credit. I have never had any accounts with them. Per my research ABSOLUTEREis 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> my wife and I placed an order for a couch through XXXX using Affirm as the payment method, when reviewing the order confirmation we discovered many details were incorrect and could not be edited so we cancelled the order and then reordered the couch again using Affirm as the payment method. That couch was delivered the following week and we thought that was the end of it, we also paid off the loan in full shortly thereafter. While monitoring affirm I noticed that the loan for the canceled couch was still active and so I contacted customer service and was instructed to file a dispute so I did. The dispute was declined within days so I again contacted customer service and after asking to speak to a higher level of care I was connected to a supervisor named XXXX. I explained the entire situation to her and submitted my evidence to her and she confirmed with me that she saw and reviewed it and agreed that I should not be responsible for this loan as the couch was cancelled and not delivered and walked me through the dispute process again. This dispute was also declined at which point I did another dispute and contacted the XXXX for assistance, I submitted all the evidence again and was told by Affirm through the XXXX that they would throughly investigate and work with me to resolve it. They came back to me after about 2 weeks and said I am responsible for the loan, I am past due on payment and they will be reporting me to credit bureaus if I dont start making payments, they also cut off all access to my affirmative credit line. They claim I did not provide sufficient evidence and wont inform me what sufficient evidence entails, I also can not dispute the matter again through affirm due to the length of time the loan is being shown as past due. I have a perfect payment history with affirm, except for this loan that isnt valid, and they are clearly not looking into this matter at more then a superficial level, they have cut off all contact with me and are currently putting my credit score and therefore my financial situation into jeopardy by their failure to properly look into the situation. It is my belief that Affirm isnt willing to work with me because they are simply hoping I will pay the loan and thus make them more money for a product I didnt even receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
XXXX XXXX MERGED WITH ROCKET MORTGAGE. I ALWAYS SET UP A 1 TIME PAYMENT FOR ON THE XXXX OF EVERYMONTH PRIOR TO THE MONTH DUE. WHEN THEY MERGED ROCKET MORTGAGE PUT ME ON AUTO PAY AND I WAS NOT AWARE OF THIS. I HAD XXXX PAYMENT TAKE OUT OF MY ACCOUNT FOR XXXX. THE FIRST ONE WAS XX/XX/year> AND SECOND WA XX/XX/year>. THIS CAN NOT BE LEGAL TO DO THIS. I NEVER AUTHORIZED OR REQUESTED THIS TOM HAPPEN. THE CSR TOLD BE THERE IS NO WAY THEY FORENSICALLY CHECK ONTHIS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am submitting a formal complaint against Goldman Sachs, issuer of Apple Card, regarding a {$180.00} charge processed on XX/XX/year>. Summary of the issue : This charge originated from a telephone reservation through XXXX. The representative stated that the charge would be reversed. 1-No confirmation email, reservation number, invoice, or receipt was ever generated for the {$180.00} charge. 2-The personal information associated with this transaction is incorrect, including a misspelled name and incorrect email address. 3-A separate and legitimate charge of {$260.00} was processed correctly, with immediate confirmation email and valid reservation number. I completed my hotel stay under this reservation. I have disputed the {$180.00} charge more than five times. Each time, Goldman Sachs closes the case stating the charge is valid without providi ng : 1-full Call recording of alleged authorization 2-Reservation confirmation or number 3-Proof of email confirmation 4-Documentation of explicit authorization 5-Any evidence submitted by XXXX Attached documentation : Email confirmation of {$260.00} charge Voucher receipt for {$260.00} Comparison table of transactions ( attached ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IA

Complaint narrative:
b'Credit Collection Services a debt collection firm in New Hampshire has contacted me 7 times regarding a debt for XXXX XXXX XXXX account number XXXX their phone number XXXX XXXX XXXX \nI have recorded calls and emailed them asking for a "signed contractual agreement" all they reply with is a copy of the invoice owed. This simply does not validate the debt. \n\nI have asked them repeatedly for the signed contract and to cease collection and or demands and they refused. Today XXXX I received another collection text demand from them.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Validation of Debt Request - CAINE & WEINER ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation