vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Transworld Systems is trying to collect a debt on behalf of XXXX in the amount of {$110.00}. They never contacted me prior to submitting a collection to all three credit bureaus. I have excellent credit ( never missed XXXX payment ), so when I saw this on my credit report I was shocked and confused. I immediately contacted Transworld Systems and they said it was from XXXX ( XXXX years ago )! And I dont even have a XXXX account at that time! They even admitted that they had been send notices to an old address that o havent lived at for over XXXX years! I asked them to send me something in the mail explaining this about XXXX weeks ago, but I still havent received anything. I disputed it with all XXXX credit bureaus, but only XXXX and XXXX have removed it from my credit report. XXXX XXXX and said the company is claiming its mine ( still with no proof or explanation ). Please help to rectify this situation. This is horrible that some company can file a collection against you with no contact, proof, or explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
By way of a legitimate subXXXX XXXX XXXX, I sought out to purchase XXXX XXXX XXXX XXXX parfum. A person stated they had it. I sent payment by way of CashApp for in the amount of {$400.00}. I was then asked for additional {$30.00} for XXXX XXXX. Once I sent money, they stopped communicating with me. Their account on XXXX was deleted and they refused to repay me when I requested through CashApp. I then went to CashApp with the issue, but nothing came from them. XXXX Sent {$400.00} payment for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Sent {$30.00} shipping payment to XXXX XXXX XXXX XXXX requested my money back. Denied. XXXX filed complaint to CashApp. XXXX Denied refunded, but no proof as to being denied. XXXX Cashapp closed my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: AZ

Complaint narrative:
I sent money to XXXX to another debit card using Remitly on XX/XX/year> without a problem. The following day XX/XX/year> I sent money again to another debit card in XXXX in the amount of {$3100.00}. The money was never received to the debit card in XXXX. I contacted Remitly various of times all they said was that I needed to answer a few questions in order for their bank to send the funds. They asked for my social security number and to upload my ID and what was my occupation. I uploaded my ID and answered the questions. One hour later still nothing it was still in progress. I reached back to Remitly and they told me the same thing that I needed to answer a few questions. I uploaded my ID about 5 times. They told me they would escalate my transaction to their issuing bank. Its been over a week and still no money. I have disputed the transaction with my bank but I still have not received my money back. Remitly refuses to cancel my transaction because the refund would take up 170 days to go back into my account. Another representative told me that the money was deposited to my debit card in XXXX but that they will investigate the issue and email me back but I doubt that its been over a week with no updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IN

Complaint narrative:
I am writing to formally request a review and reconsideration of my Public Service Loan Forgiveness ( PSLF ) application and payment eligibility. On or around XX/XX/year>, I submitted a PSLF/TEPSLF form that included multiple qualifying employers including ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX However, upon review of my account, it appears that only one employer XXXX XXXX XXXX XXXX ) was processed and reflected in my PSLF record, while the additional employers I submitted were not included or evaluated. Additionally, my application status indicated that email and contact information were unavailable. I want to clearly state that : I completed all required fields at that time of submission I was not contacted for missing or incomplete information I was not given an opportunity to correct or verify any alleged missing contact details This suggests a processing or system error, rather than an issue with my submission. This would be wrongful denial of a repayment plan or program.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: TX

Complaint narrative:
They said the debt was mine and I never knew about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc.
State: TN

Complaint narrative:
I am formally reporting a systemic, willful withholding of mandatory financial records and the structural corruption of data by XXXX XXXX, XXXX ( Crypto.com ). Despite an exhaustive XXXX documented support effort ( Chat ID : XXXX ) and formal notice to their Compliance Department and Data Protection XXXX, XXXX XXXX is programmatically blocking my access to the XXXX tax data required for federal compliance via a hard-coded XXXX export limit ( Article XXXX ). Technical Failure and Data Corruption : Forensic analysis reveals that unique transaction identifiers are being rounded to zeros ( XXXX XXXX ) during the export process, destroying the audit trail. Furthermore, the exchange has embedded legal disclaimers directly into the XXXX data rows, rendering the files structurally corrupted and unreadable by industry-standard accounting software ( e.g., XXXX ). Gross Negligence and Privacy Violations : The exchange failed to provide my XXXX XXXX through any secure or standard channel. I was forced to recover these records via an insecure, unmasked portal located at crypto.com which exposed my full Social Security XXXX in plain text. This gross negligence has compromised my personal identity while I attempted to fulfill my federal tax obligations. Imminent Financial Harm : This obstruction prevents me from reconciling {$130000.00} in gross proceeds reported on my XXXX. This data blackout prevents me from filing an accurate XXXX return and places me in immediate jeopardy of losing my federal student loan benefits ( SAVE/PAYE plans XXXX, as I can not verify my income through the standard IRS data-link XXXX I am seeking immediate provision of a clean, XXXX, machine-readable XXXX ledger for the XXXX tax year

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC, serviced by Resurgent Capital Services, is reporting a debt on my credit report for account number ending in XXXX XXXXXXXX in the amount of {$450.00}. This account is listed as a debt buyer account, and I have not received any prior written notice, validation, or communication regarding this alleged debt. I became aware of this account only after reviewing my credit report. LVNV Funding/Resurgent Capital Services did not provide : Written notice of the debt after acquisition Validation of the debt, including an itemized breakdown of the balance Identification of the original creditor Documentation demonstrating that I am legally responsible for this account Additionally, there are inconsistencies in the reporting that raise concerns about accuracy : The Date Opened ( XX/XX/XXXX ) is reported as occurring after the Date of First Delinquency ( XX/XX/XXXX ), which is contradictory and misleading No credit limit or full account history is provided The reported balance equals the high credit amount without explanation or supporting documentation Because of these issues, I am concerned that : The account may be reported inaccurately or incompletely The balance may not be properly validated There may be missing or incorrect information regarding ownership and account history Consumer Rights Concern These issues raise concerns under : The Fair Debt Collection Practices Act ( FDCPA ) for failure to provide proper notice and validation The Fair Credit Reporting Act ( FCRA ) for accurate and complete reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing a complaint regarding actions taken by Capital One credit card account ending in XXXX was closed on XX/XX/XXXX due to Inactivity. I was not notified prior to this closure and only became aware after receiving a letter XXXXThis account was in good standing and I have a long history of paying all my credit cards in full every month. The Inactivity was unintentional as the card had been left in a wallet I had changed and I believed it had been misplaced. Following the closure I discovered that my available credit was further reduced when my XXXX credit card and Kohl 's credit card ( both issued by Capital One ) had their credit limits decreased. These actions significantly reduced my total available credit and caused a substantial drop in my credit score. I contacted Capital One same day receiving letter ( XX/XX/XXXX ) and spoke with a Senior Supervisor XXXX XXXX to plead/request a good will reinstatement of the closed account and restoration of my previous credit limits. My request denied. I am requesting the following Resolution : 1. Reinstatement of the Closed Capital One Account with its orginal history or 2. Correction of how the account is reported to the Credit Bureaus to minimize negative impact ( including reflecting that the account was not closed due to delinquency ), and 3. Restoration of the Credit Limits on my XXXX and Kohl 's account to their prior levels. I am a responsible customer with an excellent payment history and these actions have unfairly impacted my credit despite no missed payments I am requesting a prompt review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: FL

Complaint narrative:
I disputed a credit card charge from XXXX after being required to pay an additional {$53.00} mandatory tax at the airport, despite the booking stating that all taxes and fees were included in the purchase price. I purchased an airline ticket from XXXX for approximately {$200.00}. At the time of purchase, I captured a screenshot explicitly stating that the price includes all taxes, fees, and surcharges. I was denied boarding unless I paid an additional {$53.00} tax at the airport. I paid this amount using a different credit card in order to travel. I then filed a dispute with Capital One regarding the original XXXX charge, providing : * A screenshot showing that all taxes were represented as included * Proof of the additional {$53.00} payment Capital One failed to properly handle the dispute : * The dispute was misclassified as relating to the {$53.00} tax payment rather than the original XXXX transaction where the misrepresentation occurred. * I was informed that the dispute was never submitted to the merchant ( Kiwi.com ) for response. * The case was closed for insufficient documentation, yet no specific missing documentation was ever identified. * I spent over one hour on the phone with representatives and a supervisor, but no one could explain what documentation was required or provide any written clarification in spite of my emphatic requests. I am not disputing the {$53.00} charge, which I knowingly paid. My dispute is solely against XXXX for misrepresenting that all mandatory taxes were included. This is not a disagreement over evidence ; it is a failure by Capital One to conduct a reasonable investigation of the dispute. I am requesting that Capital One : * Reopen the dispute * Properly classify it as services not as described * Submit the claim to the merchant * Provide a clear written explanation of any additional documentation required

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: WV

Complaint narrative:
My daughter broke my phone I can't get into my aci verified my identity and they still won't transfer my savings Into my account cause I had to make a new account to access my old account and it keeps denying my access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within XXXX business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA XXXX & XXXX. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Transunion to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete..

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I filed for XXXX XXXX Bankruptcy. Upon filing, a federal automatic stay went into effect, prohibiting creditors from collecting on prepetition debts. Prior to my filing, my checking account had a negative balance due to the financial institution 's " SpotMe '' feature. After my bankruptcy was filed, my state tax return ( which was explicitly listed as a protected asset in my bankruptcy petition ) was deposited into my checking account. The institution improperly executed a bank offset, seizing approximately {$160.00} from my protected tax return to cover the prepetition debt. I provided official documentation of my XXXX XXXX filing ( XXXX XXXX # XXXX ) and formally disputed the {$160.00} deduction on XX/XX/XXXX and XX/XX/year>, explaining the automatic stay. On XX/XX/year>, a representative responded in writing, stating : " filing of bankruptcy here... only affects the Credit Builder, and we do not clear balances in your Checking account. '' This is a direct violation of federal bankruptcy law, as the automatic stay and discharge apply to prepetition checking account balances. Despite repeated follow-ups demanding the return of the {$160.00}, the institution has ignored my legal dispute and continues to send automated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I ordered creams, boxes of catheters, and thermostats to XXXX XXXX using my American Express and XXXX Credit card. This was supposed to be sent out as XXXX orders that were already generated from XXXX as fulfilled by merchant ( FBM ) fulfillment. Needless to say, XXXX people complained they received mini toothpastes as opposed to the ordered item. XXXX XXXX was also supposed to send out a much larger order to XXXX which I later switched to my house. I had to encourage XXXX multiple times to send the larger XXXX order out even though it was paid XX/XX/XXXX. Needless to say, I was never able to get an assurance this shipment was sent out, and XXXX attempted to lie there was nothing wrong with the shipments, even though I received a returned mini toothpaste. With the mounting returns and refunds I had to honor through XXXX, it became clear that XXXX scammed me, which is why I first requested a refund from XXXX ( which was promised to me except for {$650.00} of the {$11000.00} I paid them ) and then they were saying that it would take another XXXX days to get the refund which is why I initiated a dispute to American Express and XXXX credit card. Plus, continuing to do business with them given their fraud of swapping much mini toothpastes for much higher value ordered products showed intentional fraud and was also compromising my XXXX account. Out of the XXXX charges I made ( XXXX through XXXX and XXXX through American Express ) to pay for XXXX 's offering, American Express since has came back and denied the {$4900.00} dispute due there being a no refund policy within the terms and conditions that the payment processor XXXX had. I never have recalled there being a no refund policy, and the documentation contained within the dispute denial shows that I actually agreed to a Privacy Policy as per the included screenshot but the screenshot did not show that I agreed to a terms and conditions or a refund policy. I also saw the terms and conditions on the live XXXX website when attempting to pay a payment link that I created had a no refund policy but also excluded fraud, which it is of clear understanding American Express and XXXX that XXXX committed fraud. In addition, I also found out that XXXX does not allow XXXX payor to pay a XXXX recipient which is further evidence that, given XXXX portrayed themselves to be operating from TX, they could only be out of the XXXX given the payment went through. This shows that XXXX is operating outside of the XXXX, given the payment would not be successful. This also shows that XXXX very likely violated XXXX rules.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I turned over a check to the bank. I did not attempt to cash it or deposit it. I gave them the check and they froze my account and refuse to let me get my money from my paychecks from my job and I ended up losing my place and was homeless because of this because I couldn't pay my rent in time. They still have my {$1400.00} from my account.

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 monetary relief
Consumer complaint received 2026-03-30 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: NY

Complaint narrative:
By XX/XX/year>, my student loan should be completely paid. I am in the Public Service Forgiveness Loan plan, and I have already completed 10 years of Public service. However, Mohela and Student Aid.gov are still debiting monthly payments from my bank account as of today, XX/XX/year>. This is a discriminatory and totally unacceptable action from these two companies that are taking advantage of honest students who have already paid three times what they loaned and serve in underserved communities to try to make ends meet. Please help in this regard. XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am victim of fraud I am XXXX XXXX XXXX XXXX and my card has been compromised. I called Immediately to cancel the card expecting immediate provisional credit as usual this bank is refusing to process life that in a reasonable timely manner saying it maybe issued 14 days later on XX/XX/XXXX!!!! That's unreasonable and this is not the first time this bank is practicing substandard and unethical practice and will be prosecuted! These are fraud charges NOT merchant disputes!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). As of today, I am demanding that you immediately cease and desist all forms of communication with me, whether by phone, mail, email, or through any third party. The FDCPA is very clear once a consumer notifies a debt collector in writing to stop communication, you are legally obligated to comply. Any further attempts to contact me directly, aside from those permitted by law ( such as a single notice of intent to pursue legal action ), will constitute a direct and willful violation of the FDCPA. Please also take notice that any attempt to continue reporting this account to the credit bureaus without providing complete validation of the alleged debt is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting inaccurate or unverified information damages my credit profile and exposes your company to liability.

Company response to consumer: Closed with non-monetary relief