vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I am submitting an updated complaint regarding my federal student loan account administered by the U.S. Department of Education. My initial complaint to you was submitted on XX/XX/2025 - complaint ID XXXX I previously filed a CFPB complaint concerning inaccurate accounting and failure to provide a complete transactional loan history. Since that submission, I received a XX/XX/2025 decision letter from the Department. That letter did not address my accounting dispute. Instead, it treated my correspondence as a request for a Treasury Offset hearing and issued a decision authorizing tax refund offset, despite : - No response to my formal accounting dispute - No production of requested transactional records - No reconciliation of conflicting balances across federal systems - No substantiation of the certified balance being enforced The Department is now proceeding with enforcement actions based on an unverified balance while refusing to provide documentation necessary to validate the debt. 

I request CFPB assistance to ensure : - Production of complete transactional accounting records- Reconciliation of conflicting federal and servicer data - Verification of lawful capitalization and interest accrual - Suspension of enforcement on disputed amounts until accuracy is confirmed I have attempted to resolve this directly and through the Ombudsman process and now seek regulatory oversight to ensure compliance and transparency. 

Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc.
State: OH

Complaint narrative:
This debt collector has engaged in practices that I believe violate the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I never agreed to and for which I did not sign any contract or agreement. A valid contract requires mutual consent, and I did not participate in or authorize this account. 

Additionally, the collector failed to properly validate the debt as required under the FDCPA after I requested verification. Because of these failures, this account has been inaccurately furnished and is negatively impacting my credit. 

This situation caused significant stress during an already difficult period in my life. At the time of the collection activity, I was dealing with my mother and her sister both battling XXXX simultaneously. Receiving repeated collection communications under these circumstances caused unnecessary emotional distress and added pressure during an already overwhelming time. I am requesting that this account be investigated and removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Self Financial Inc.
State: MS

Complaint narrative:
I opened a self-credit builder and a self-credit card on the same day after taking almost {$1000.00} from me between both accounts they asked me for verification on my bank accounts I sent them all the verifications that I have they said that that was not sufficient I said I would like to close my accounts and receive my money back they told me I needed to submit those documents and I told them I do not have those documents so they keep telling me the same thing over and over they keep emailing me the same things over and over now they have done lock the debit card refused access for me to use the deposit and money that I had credited to that account and they also held {$510.00} on my credit builder account and refuse to give me any of my money back refuse to talk to me refuse to give me any reasons refuse to give me a way to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
An employees email was hacked and an email was sent to payroll to change the employees bank account for the paycheck direct deposit. 

The paycheck was sent to Sofi bank account # XXXX, which is not the employees account. The employee called our payroll department to let us know he did not get his paycheck last week for XXXX. 

I called SoFi bank and was informed that the bank account where the payroll funds were deposited has now been closed. They let me know that there was nothing they could do to help resolve the issue with the stolen money. 

Please let me know how you can help us with this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
phone bill collection I could not pay due to covid at the time I got laid off from my job and could not be able to pay my phone bill. I believe this is violating my rights they have not provided validation information Under 12 CFR 1006.34 ( b ) yet they have placed a collection on my consumer report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I was induced by fraud and misrepresentation to send money via Chime-to-Chime. The recipients falsely represented a rental service and promised vehicle delivery. Chime declined to investigate, stating nothing could be done. I am requesting a formal review under Regulation E and a written determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding multiple debt collectors reporting accounts on my credit report without providing proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

After discovering several collection and debt buyer accounts on my credit report, I timely requested debt validation from the collectors. Despite these requests, the collectors have failed to provide sufficient verification of the alleged debts. In many cases, they continued to report, update, or attempt to collect on the accounts without providing proper documentation. 

The alleged violations include, but are not limited to : Failure to provide competent evidence that I owe the debt Failure to provide the name of the original creditor and full account history Failure to provide a copy of the original contract or agreement bearing my signature Continued credit reporting and collection activity without validation Reporting inaccurate, incomplete, or unverifiable information to credit bureaus These actions violate : 15 U.S.C. 1692g ( b ) Continuing collection without validating the debt 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable collection practices Because proper validation has not been provided, these accounts are not legally enforceable and should not be reported as accurate. I am requesting that the CFPB require the debt collectors to either : 1. Provide full and proper validation of each alleged debt, or 2. Cease all collection activity and remove the accounts from my credit reports I am also requesting confirmation that the collectors correct or delete any inaccurate reporting with XXXX XXXX XXXX XXXX. 

Thank you for your assistance in enforcing compliance with federal consumer protection laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: MI

Complaint narrative:
" I am disputing an {$18000.00} balance reported on my account for the XXXX department of education. This debt was fully paid off as of XX/XX/year>. '' " For the last XXXX years, my federal income taxes were garnished ( tax offsets ) to pay this debt. '' " I made a final {$1300.00} payment in XX/XX/year> to close the account. '' " Despite these payments, the Department of Education showXXXX XXXX payments ' made. Ascendium is now attempting to collect a debt that no longer exists ''. 
I am demanding that this debt that has already been collected be completely erased. This has caused me a significant amount of mental distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I am submitting this complaint to document ongoing and unlawful debt collection conduct by Sunrise Credit Services in connection with an alleged account reported on my consumer credit report. 

Despite having disputed the validity and accuracy of this account, the collection agency has engaged in repeated and excessive contact, including frequent phone calls and/or messages, which I believe constitute harassment under federal law. 

The Fair Debt Collection Practices Act strictly prohibits debt collectors from engaging in conduct that harasses, oppresses, or abuses a consumer. Specifically, FDCPA 805 ( c ) provides that a consumer may request limitations on communication, and FDCPA 806 ( 5 ) prohibits causing a telephone to ring repeatedly with the intent to annoy, abuse, or harass.

Additionally, FDCPA 807 prohibits deceptive or misleading representations in connection with the collection of a debt. 
The frequency and persistence of these communications, particularly while the account is under active dispute, demonstrate a failure to comply with these statutory requirements. 

Furthermore, continued collection activity without proper validation raises concerns under FDCPA 809 ( b ), which requires that collection efforts cease until the debt is properly validated upon request.

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 2026-01-19 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Withdrew {$30000.00} from my IRA account on XX/XX/. Ally Bank mailed a check to my home. I attempted to deposit it via mobile banking to my Ally checking account, however, Ally refused to deposit it, stating that it must be mailed in ( even though their policy states mobile deposits can be {$50000.00}, maybe even more ). I immediately mailed the check as they instructed. It has been several weeks now and they have not deposited my check. This is causing severe hardship to me as I need the funds urgently. I have sent Ally multiple messages inquiring about the deposit, demanding that they deposit my check without further delay and only getting canned responses from their " customer service ''. I also requested that I receive a call from their corporate office to resolve. To no avail, Ally Bank continues to withhold my money. In addition to the hardship I have experienced due to Ally 's mismanagement of my funds, I am also losing significant amounts of interest on that money. I need my money now. Action need to be taken against this predatory institution. I am XXXX XXXX XXXX and have significant medical expenses and this bank is impinging on my ability to receive the medical care I need. I request CFPB to intervene on my behalf to assist in getting my {$30000.00} that is being withheld as well as the lost interest.

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 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: MD

Complaint narrative:
XXXX  customer for approx. 5 years, no missed payments, no late payments. XXXX XXXX  move from XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. No XXXX  available at new address, so canceled account per guidance from XXXX. According to XXXX, no cancellation fee or further payments would be due. After closing account, received notice of an outstanding balance of {$42.00} for cancellation fees. Contacted XXXX online support on 3 separate occasions and was told the fee was an error and would be waived. Despite this, I received a collections notice against the account in XXXX of XXXX. On XXXX XX/XX/XXXX I contacted support again and received dispute ticket XXXX, they said the ticket would be reviewed and collections would be paused until review is complete. I have not heard anything else from XXXX and received another collections notice on XXXX XX/XX/XXXX. The only statement provided says {$50.00} for an early termination fee, and there has been no correspondence from XXXX about the balance other than multiple online support chats telling me that fee should be waived from the final balance.

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My identification was compromised and found on the blackweb

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I have been trying to update my information with the stock exchange platform Robinhood. I legally changed my name at XXXX ( Im almost XXXX now so this has been a yearly headache when I file my taxes ) despite showing every document possible and required to update my name to my correct legal name or make gender status accurate to match any of my identification documents : they still refuse to update my information. Following this process I told them Id rather have the entire account taken down to avoid this in the future- after this they told me that theyll help me shutdown my account but there is no actual way for me to complete this process ( when I attempt they wont let me pull my approximately {$8.00} out but also I cant shut down the account without removing the XXXX XXXX they also have made it impossible to sell one of my stocks completely. ) please get this company shut down- theyve been making my life miserable and making identity theft easier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
On XXXX XXXX XXXX I wired {$23000.00} from my XXXX XXXX account to my Robinhood account to purchase cryptocurrency. After purchasing XXXX, I attempted to transfer the asset to my personal external wallet for security and custody purposes. Immediately following this attempt, Robinhood restricted my account and requested identity verification, which I provided in full. 

I was informed that a review would be completed by XX/XX/XXXX, later revised to XX/XX/XXXX. Instead of receiving a resolution, I was notified on XX/XX/XXXX that my account was being closed. Robinhood stated that my funds would be returned to my original deposit account within 3060 days. 

I believe this delay is unreasonable given that the account closure was initiated by Robinhood. Despite multiple attempts to contact the firm via email and phone, I have been unable to obtain a response or speak with a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was sued ( Civil Action NO. XXXX ) by Midland Credit collection for 3 accounts totaling {$4700.00} ( XXXX XXXX {$1400.00}, XXXX XXXX {$1400.00}, and XXXX {$1800.00}. I reported to court in regards to the accounts which were the results of identify fraud on XXXX XXXX XXXX. I had multiple accounts opened in my name that are not to my knowledge. I met with a lawyer that represented Midland Credit and provided documentation that these accounts were fraud and not opened by myself. My case was dismissed on this night and signed by the judge. The alleged accounts were XXXX XXXX and XXXX XXXX XXXX These said accounts need to be removed from my credit report immediately. I have received official documentation from the XXXX XXXX XXXX XXXX regarding my case dismissal ssal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I'm excising my rights by law under 15 USC 1962g ( b ) to have Harris & Harris LTD produce all requested information in my dispute letter. I'm requesting itemization of any interest, fees, or other charges, the name and address of the original creditor, the copy of the original contract, agreement, or other documentation bearing my signature that demonstrates my legal obligation to pay the alleged debt, documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership, and the date of default and the date the debt was allegedly incurred. I never had any contract or did business with Harris & Harris, nor with XXXX XXXX. Until Harris & Harris can produce all information under 15 USC 1962g ( b ) that I owe this debt. I demand that Harris and Harris LTD delete themselves off my credit reports completely.

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 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: CA

Complaint narrative:
XXXX XXXX inaccurately billed my account, failed to apply confirmed student discounts, charged unauthorized services, failed to cancel service upon request, and continued billing for a non-usable line. Despite consistent good-faith payments, XXXX never issued a corrected or final billing statement and sent the account to collections. The balance reported is materially inaccurate. I am requesting recall from collections and deletion of the tradeline. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Byrider Franchising, LLC
State: SC

Complaint narrative:
On XX/XX/year> my vehicle was XXXX by CNAC of XXXX even though I was not properly in default. I have made my last regular payment on XX/XX/year> and my credit report shows no late or missed payment prior to the XXXX. When I went to retrieve my personal items from the vehicle I requested documentation and received an affidavit for the XXXX. On XX/XX/year> I contacted CNAC to pay the required amount and redeem my vehicle. At the time I was told the vehicle had already been sold which denied me the opportunity to redeem or reinstate the vehicle. XXXX XXXX XXXX XXXX XXXX  XXXX vehicle affidavit I received shows the XXXX  was an accurately classified as voluntarily which it was not. Additionally my credit report now shows a XXXX  in XX/XX/year> and a charge off in XX/XX/year> with no late payments reported prior to the XXXX  and even a payment recorded after the vehicle was already XXXX  and sold. I believe the XXXX, denial of redemption, sale, and the subsequent credit reporting were all handled improperly and are procedurally and legally flawed. I am requesting and investigation, correction of the credit reporting and appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Zip Co US Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX, I attempted a purchase at XXXX ( XXXX, XXXX  ) using Zip. The first transaction for {$94.00} was declined at the merchant, and the merchant did not complete the sale. I was instructed by Zip support to attempt the purchase again and was told the declined transaction would fall off. 

A second transaction was then completed and successfully processed for {$95.00}, which Zip has confirmed was captured under order number XXXX. 

Despite the first transaction being declined at the register, Zip placed and retained an authorization hold for {$94.00}. Zip support later acknowledged that this pending charge exists only inside the Zip app and does not appear in their processing system, confirming that the merchant never received these funds. 

I contacted Zip multiple times to request release of the authorization hold for the declined {$94.00} transaction. Zip representatives provided inconsistent explanations, initially stating that both charges were processed by the merchant, then later confirming only the {$95.00} charge was captured. 

As of now, Zip has failed to release the authorization hold for the declined {$94.00} transaction, effectively withholding funds for a purchase that was never completed. I am requesting that Zip immediately release the authorization and return the {$94.00}, and provide a clear explanation for why funds were held for a declined transaction.

Company response to consumer: Closed with explanation