vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CO

Complaint narrative:
14o dollers was sent to a re intent on cash app was supposed to be for a bag. I never got the bag. I reported it to cash app. I was told by XXXX XXXX would be investigated for me to send a request for my money back which I did in the note stating for product not recieved. The next night get a message from a woman stating I better cancel my request that her and some other person spent my money and she ain't giving back XXXX. I sent this to cash app showing them this was obviously me being scared out of my money and I want it back. They're just saying they have Givin me an out come but they never gave me an out come.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Nelnet letter sent XX/XX/year> via certified mail Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am disputing the validity of what Nelnet has been reporting to the credit bureaus in my name. During my dispute, Nelnet continues to increase the delinquency on my report when it does not align with the loan summary hence why I am addressing the legitimacy of this account ; and is now threatening to report a default per the letter attached. I have recorded discussions with pleading agents to report proper information, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: OH

Complaint narrative:
Someone took out student loans in my name ( and didnt even spell my name correctly on any of the forms ). Ive done all the necessary steps and Im still being told I owe all this money. The fraud dept agreed that this was not me, Ive contacted the police, the school, identitytheft.gov, all of the places I needed to notify, and no ones got back to me. I need this off of my credit and off of my name entirely. None of this is mine and its been confirmed that its not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Care credit does not care about you or your credit. Im attaching some images that show their awful business practices. They do not care if you're not getting paid and/or if dealing with XXXX. Even if you can prove it with dr documentation. I ( unfortunately ) have been fighting with XXXX XXXX insurance since XXXX. I was making payments to XXXX even when I wasnt getting paid. When funds got so tight, that it was either rent or XXXX, I had to choose rentXXXX mom here. I called multiple times tried to get an extension or a freeze for a month or two, since i hadn't missed a payment during the whole duration of my contract ; plus the cause of the hardship was out of my control. The interest-free contract offer had JUST ended on XX/XX/XXXX. I begged them to work with me since I had been such a consistent pay, but they didnt care. They also kept prying into how I was going to pay for it, wanting to know all the extra money that I might get from child support, gifts, etc. I found it incredibly odd that they wont even try to work with you. I was told by the reps that if i didnt disclose how i was gon na get the money to pay them back, they couldnt offer me a deal. When i managed to get funds shortly after, offered to pay off MY balance in full if they honor the contract ( no interests ). And they refused. Spoke to a couple different reps... They eventually said they would give me a deal in which i could pay my balance off, and they would waive the interest. But it had already done too much damage, specially when its reported that you only paid for a portion of the debt. The worse of it all : They upped my credit ( see amounts pictured from XXXX to XXXX ) SIGNIFICANTLY, only to drop it to UNDER the amount they approved me for. This hit my credit in such a brutal way, that you can see the huge drop in the month of XX/XX/XXXX. Absolutely greedy and petty practices. Of course every other bank card I had got pinged and followed suit, by lowering my approved credit amount. Putting my credit score at XXXX a year later, from XXXX.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I feel violated and this is causing much XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
IDENTITY THEFT REPORT STATEMENT Victims Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Phone : XXXX Email : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Incident Type : Identity Theft / Financial Fraud Summary of Incident : I am a victim of identity theft. An unknown individual ( s ) used my personal information without my authorization to open financial accounts and/or conduct fraudulent transactions with Wells Fargo . I did not authorize any of these accounts or transactions and did not receive any goods or services associated with them. Fraud Details : Suspect information : Name : XXXX XXXX Source of Information : From well Fargo letter & At Wells Fargo branch Financial Institution : Wells Fargo Types of Accounts Involved : Credit Cards ( Autograph and Reflect )/ Checking account Approximate Total Fraud Amount : $ XXXX Date ( s ) of Activity : Between XXXX and XXXX of XXXX Fraudulent Address Used : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX I confirm that I have never lived at, worked at, or been associated with this address in any way. Additional Supporting Facts : 1 ) I did not receive any of the purchased items or account correspondence. 2 ) My legitimate address has consistently been : XXXX XXXX XXXX, XXXX CA XXXX 3 ) I have reported this matter to the financial institution, but my claims were denied. Declaration : I declare under penalty of perjury that the information provided above is true and correct to the best of my knowledge. I did not authorize these activities and am requesting this report to document the identity theft.

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 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/year> I requested a relief of liability request to remove my ex-spouse off the loan as per my divorce decree. I never received an answer from.Onity Mortgage Company, formally known as PHH Mortgage. I called them 48 days after my original request and found out that my request was denied. I never received an email regular mail or phone call about my denial. This matter is currently in court and I would have to sell my home if this matter isnt settled by XX/XX/year>. This Mortgage Company has never contact me about this matter. I called the Mortgage Company again on XX/XX/year> when I found out my original request was denied and requested another release of liability request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have been going back and forth with the company and Cash App over my {$75.00} refund. All cashapp has to say is that it was declined, they arent releasing the money. The company has sent a good amount of proof that the money was deposited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: NY

Complaint narrative:
XX/XX/year> XXXXXXXX Sold my wife a fXXXX XXXXXXXX for {$17000.00}. {$8700.00} was the amount for the transaction on Amex card ending in XXXX. The merchant gave us the run around. Had no choice but to dispute the charge. The merchant sent in forged documents with my name on it. I made American Express aware of the fraud and they still billing me {$8700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is refusing to honor a closure request and is maintaining an open account without my consent for the sole purpose of seizing future funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am filing this complaint regarding the XXXX XXXX consumer credit card issued by XXXX. My account was suddenly flagged for fraud without any valid explanation or evidence. As a result, my card was locked and I have been unable to access or use my account. I immediately contacted customer service to resolve the issue and verify my identity. However, I was told the only way to restore access was to wait for a verification letter to be sent by mail. It has now been over 30 days, and I have not received this letter. Despite multiple follow-ups, the company continues to insist that this letter is the only method of verification and refuses to offer any alternative options, such as email verification, phone verification, or in-branch identity confirmation. At the very least please send the letter overnight FedEx with tracking. This situation is unreasonable and has caused significant inconvenience and financial disruption. I am being denied access to my own line of credit based on an unsubstantiated fraud flag, with no transparency into the reason for the action and no timely or reliable way to resolve it. The company has effectively locked my account indefinitely due to a process failure on their end. I am requesting that my account be immediately reviewed and restored, or that a reasonable and prompt alternative method of identity verification be provided. Additionally, I request an explanation for why my account was flagged in the first place and why there has been such a prolonged delay in resolving this issue.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: EMBRACE HOME LOANS
State: VA

Complaint narrative:
on XX/XX/XXXX I came to VA to look at a house and it was under contract and not done the realtor than made it look like I bought a house that day and that was not true her and her friend that work for the loan place then forged information to get a FHA loan and would not give me the paperwork that I have been asking for a year and two month and she said she didn't see anything that it was snow and ice out there which I don't know when that was but I came XX/XX/XXXX and I have a whole video that was no snow or ice and after I got the paperwork XX/XX/XXXX is when I knew that they had forged the paperwork and locked me into something that I really didn't know and me and my son are in a house with no heat and the insurance company had to fix water damage and they have date of loss XX/XX/XXXX the day of closing then we found out it was a flood home nobody told us they had us under mentally duress the whole time they were defrauding us and FHA I have sent them notice too I need any help you can give me or direction I have filed with the police department there are three people involved two are real estate and one a mortgagee nothing from the company 's because they try to conceal my paperwork since XX/XX/XXXX when we asked for it embrace XXXX XXXX XXXX XXXX XXXX. And two of them no longer what there after the closing of the house when I tried to reach out to them this torcher has been traumatizing to me and my son and the amount is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
Upon viewing my I noticed an account listed as contract callers inc That I do not recognize and do not recall ever establishing a business connection with therefore under 15 U.S.C 1692 G ( b ) I am requesting full validation of this debt. I am not requesting a simple printout but actual documentation that proves the validity of this debt. A copy of the original contract with my wet ink signature. Proof of ownership a fully exited assignment agreement proving that you were legally assigned this debt. The full chain of custody of the account showing every entity that has owned, sold or transferred this alleged debt. Your companys license to collect in my state. Verification on how this account complied with all federal, state and local lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Thomas George Associates, Ltd.
State: OH

Complaint narrative:
I had a car in XXXX. My cousin took the car without permission and had a wreck. He is in the police report stating that he took my car without permission. I had insurance with XXXX however, it was only liability. Thomas George associates in New York had my license suspended in Ohio for an amount of XXXX. The person driving, XXXX XXXX, is currently making payments to the state of ohio through the XXXX XXXX. I would appreciate help with this matter and what I should do next. They have caused me lost wages because I can't go to work at instacart due to my license being suspended. I want to sue Thomas George associates for aggressive collection tactics and lost wages

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified information being reported by Credence Resource Management. The account is listed as a collection account for approximately {$2400.00}, originally from XXXX XXXX XXXX, and was opened around XX/XX/year>. I dispute the accuracy and completeness of this account. To date, Credence Resource Management has failed to provide adequate documentation to validate this debt as required under the Fair Credit Reporting Act. Specifically, they have not provided : A signed agreement or contract with XXXX XXXX XXXX XXXX complete itemized billing statement showing how the balance was calculated Proof that this account was legally assigned or sold to Credence Resource Management Documentation proving I am the party responsible for this debt Despite this, the account continues to be reported, indicating that no reasonable investigation has been conducted. This is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting : Immediate deletion of this account from my credit report Written confirmation of deletion Documentation of the investigation used to verify this account If proper documentation can not be provided, this account must be removed immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I changed my phone number at the end of XXXX. Since then, my XXXX does not work, nor does my XXXX XXXX using any of my USAA accounts. When I called, they said I had changed my phone number and that I had to wait 45 days to use XXXX or XXXX XXXX associated with my account. I called multiple times and tried to escalate, but they said there was no way around this process. There isnt a way to digitally add the card to my wallet either. I can not use the money in my accounts unless I go to an ATM and withdraw the actual cash- and I dont have the physical card. I didnt receive a warning that this would happen when my phone changed and then wont help me

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Cashapp transactions from XX/XX/XXXX to XX/XX/XXXX where money was taken from my bank account to cashapp and used to buy bitcoin. Cashapp continues to say it was myself or someone I know that did these but it was not. I dont do cryptocurrency of any kind. XX/XX/XXXX {$2000.00} bitcoin purchase and withdrawal XX/XX/XXXX {$1500.00} bitcoin purchase and withdrawal XX/XX/XXXX {$750.00}. bitcoin purchase and withdrawal XX/XX/XXXX {$380.00} bitcoin purchase and withdrawal XX/XX/XXXX {$3000.00} bitcoin purchase and withdrawal XX/XX/XXXX {$4900.00} bitcoin purchase and withdrawal I have also reported to the bank, no one wants to take responsibility Want to get as much as possible back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, I received an email saying that my Apple Card ( Goldman Sachs ) was closed for a violation of their Terms of Services. I immediately not knowing why, contacted their support. They constantly told me they can not reopen the account, and that I should apply again later. I did not know what I supposedly did wrong. I made purchases at legitimate vendors, such as XXXX, creator of a mobile video game, or my local liquor store. I did not use the card for anything illegal or such.

Company response to consumer: Closed with explanation