vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/, XXXX XXXX XXXX, acting as a debt collector for GM Financial, processed the cancellation of my GAP insurance and collected a {$170.00} refund from my policy. However, my auto loan had already been reinstated on XX/XX/XXXX XXXX XXXXthree weeks earlierafter I paid the full past-due amount. There was no debt owed at the time XXXX XXXX acted. They collected money on a non-existent debt and identified themselves as a " debt collector '' in their notice. This violates the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: VA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OH

Complaint narrative:
I am writing to formally dispute a collection account placed on my credit report by Credit control LLC related to an alleged debt from XXXX XXXX. I believe this collection is incorrect and based on an unjustified charge. Below is a detailed account of what happened. In XXXX of last year, I purchased a phone from XXXX XXXX. After using the phone for a few weeks, I decided to return it. I coordinated with XXXX XXXX, and I returned the phone via XXXX. At the time of shipment, the phone was in perfect condition, with no physical damage whatsoever. However, XXXX XXXX later informed me that the phone had sustained physical damage upon receipt and claimed they had scrapped it. Despite this, I maintained that the phone was intact when I sent it. Spectrum still demanded payment, even though I did not receive the device back, nor was I provided with any justification for this damage claim. As a result, I refused to pay for a phone that I never had and was unjustly charged for. I now see that this has resulted in a collection account against me, which I dispute in full. I request that this collection be removed from my credit report immediately, as it is inaccurate and unfounded. I ask for a prompt investigation into this matter and a resolution confirming that this debt is removed. Please confirm receipt of this dispute and inform me of the next steps as soon as possible. Yours sincerely. XXXX XXXX XXXX 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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
So I run a business, I use XXXX platform as my merchant services to provide products that I sell. I have my merchant account connected in which I can receive batch deposits. On XX/XX/XXXX, Sofi Bank decided to restrict my account due to these deposits in which I didnt have a problem providing documentation. I reached out to security and was told 24hours for a response, I received a response in about 6 hours after that notification from an investigator named XXXX XXXX who blatantly rude and disrespectful, if the call is pulled XXXX states to me I wouldnt be getting my money Im not getting my money, once I mention the CFPB and XXXX the conversation changes and he ask me to provide documentation. As of XX/XX/XXXX my account is still restricted and XXXX XXXX states to me I will not be getting my money back, and that he contacted clients on the invoices that he asked me to send over. I feel like this is a conflict of interest because he didnt reach out to XXXX first for permission he went through me, and again if the call is pulled you will hear him saying nothing is going to happen to him I will keep your money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XX/XX/year> To Whom It May Concern, I am responding to your attempts to collect an alleged debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am formally requesting full validation of this alleged debt. To date, you have failed to provide any competent evidence proving that I have a legal obligation to pay this debt. Simply listing an account on my credit report or sending a balance amount does not constitute proper validation under federal law. You are hereby required to provide the following : 1. The name and address of the original creditor 2. The original account number 3. A complete payment history and itemized accounting of the alleged debt 4. Copies of any signed contracts, applications, or agreements bearing my signature 5. Proof that your agency has legal authority to collect this debt 6. Proof that the debt amount is accurate and legally enforceable 7. Documentation showing the chain of assignment if the debt was sold or transferred Under the FCRA, you may not continue reporting inaccurate, incomplete, or unverified information to any credit reporting agency. If you can not provide proper validation, you must immediately cease all collection activity and request deletion of this account from all consumer reporting agencies. Be advised that continuing collection efforts or credit reporting without validating the debt may constitute violations of : - FDCPA 809 ( 15 U.S.C. 1692g ) - FCRA 623 ( a ) ( 1 ) ( A ) - FCRA 611 If you fail to comply within 30 days, I will consider filing complaints with the : - Consumer Financial Protection Bureau XXXX Federal Trade Commission - My State Attorney General I also reserve the right to pursue civil remedies for any violations of federal law. This letter is not a refusal to pay, but a notice that your claim is disputed and must be fully validated. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: GA

Complaint narrative:
My federal student loans were originally serviced by Great Lakes. At some point, Nelnet took over as my loan servicer. After the transfer, I discovered that Nelnet had split what was previously a single consolidated loan into multiple smaller loans. This restructuring caused my account to accrue significantly more interest than it should have. Instead of one loan balance with one interest calculation, my account now shows several smaller loans each accumulating separate interest. I did not request this restructuring, and I do not agree with the excess interest charges that resulted from it. When I contacted Nelnet by phone to ask why my loan was divided and why interest increased, the representative could not provide a clear explanation. No corrective action was taken. I requested a complete payment history, a breakdown of interest calculations on each split loan, my original promissory note, and documentation justifying the restructuring. Nelnet did not provide the information needed to resolve this issue. I want the excess interest caused by the improper splitting removed from my account. I want my loan restored to its correct status as it was before Nelnet restructured it. I also want a complete accounting of how every payment has been applied since Nelnet took over servicing. I am aware that Nelnet has been subject to lawsuits and federal audits regarding improper loan servicing practices, including manipulating loan structures to generate excess interest and subsidies. My experience appears consistent with this pattern of conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have not had a Cash App card in the past year and a half two years Ive been requesting one for the long as well as information as to why I dont have one. I cant get one. I also have had to re-create XXXX XXXX because my XXXX will get shut down and then I cant access it. Nobody has any information for me.. then I remember the time when I bought bitcoin years ago yet I have no access to any of that somebody somewhere along the way is using my information on their cash app or has their cash app connecting or something because I have transactions that happened to my account that disappear or some that look like theyre the same ones I made, but I did not make them and lots of chargebacks, but I dont know where theyre being charged back to. Theres plenty of canceled transactions that say that canceled, but they were actually taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXX ( 54 minutes ago ) to me I am filing this complaint against Capital One regarding the denial of my unauthorized transaction claim on account ending in XXXX. On or around XX/XX/, an unauthorized charge of {$350.00} appeared on my debit card at a merchant listed as XXXX XXXX XXXX ' I did not authorize this transaction and do not recognize this merchant. I rarely use this debit card, making this charge highly anomalous to my account activity. At the time of the transaction, I did not have my debit card in my possession and had no knowledge of its whereabouts. I reported this to Capital One when I submitted my claim and corrected this information verbally with their representative during the appeals process. Capital One denied my claim twice, citing the following reasons : - Normal account activity, logins, and phone calls - The physical CHIP card was used I want to address both points : 1. The CHIP argument does not conclusively prove I authorized the charge. CHIP technology reduces but does not eliminate fraud, and the presence of a CHIP transaction does not override a cardholder 's sworn statement that the card was not in their possession. 2. I verbally corrected my questionnaire response with Capital One 's representative to clarify that I did not have the card at the time of the transaction. This correction does not appear to have been factored into their final decision. Capital One has failed to provide me with the specific transaction details I would need to further dispute this charge, including the exact time, location, and merchant address of the transaction. I am requesting that the CFPB investigate Capital One 's handling of this dispute and require them to reverse the {$350.00} charge and provide a full explanation of the evidence used in their denial, including how my verbal correction was considered. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
applied for a {$750.00} loan and realized Sunny Day Lending is charging APR 499.22 %. They do not provide ANY ACCOUNTING or records of payments made. The company also does NOT PROVIDE THE ABILITY TO REPAY THE LOAN IN FULL.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/XXXX I tried to withdraw XXXX dollars out of the ATM didn't any money dispense but it was deducted out of my account and they are telling that my debt card or XXXX XXXX card use ask a debt card is not protected by regulations e that don't qualify for a provisional credit after 10 days of investigation that I have to wait 45 days before I can get my funds back in my account I can't wait 45 days because all of my bills are behind because I can't retrieve my funds as of XX/XX/XXXX rent car payment car insurance groceries are late which are accumulated late fee and interest that I shouldn't have to pay this harming my credit if my payment are late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WV

Complaint narrative:
Hello, Affirm had sent out notifications forcing me to pay for these transactions, which are now unauthorized due to being sent the wrong merchandise. Please see the documentation provided. The merchant stated on the following : " I forwarded this to the appropriate department. Somebody will be in contact soon. '' on XXXX. As of today, on XX/XX/year>, no one has contacted me regarding this issue. I had opened a dispute with Affirm regarding this issue. I requested the evidence on the dispute decision, but nothing was provided to me. Therefore, the transaction is completely not authorized due the merchandise purchased is not as described.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and formally request the deletion of the following fraudulent accounts and inquiries from my credit report. I did not authorize these items, nor did I receive any benefit from them. I have no information regarding the suspect or the method of the theft. Please confirm these items have been blocked or specify any additional documentation required. XXXXXXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCE : {$20000.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$610.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
Current decided to lock my account while I had a little over {$200.00} in the account. They Emailed me asking me to submit documents including my Photo ID, A selfie holding the ID, and a Utility bill for proof of address. I submitted everything as requested, and over a week later finally recieved an Email back stating they were closing out my account, and to Email them my address to recieve my funds via a check. I emailed them my address, and over a week later they Emailed me back saying that address does not match the one on my account, and that I need to Email them a photo ID, and a Utility bill. I already did that, but I went ahead and re-sent the exact same documents I sent the first time when they locked my account. Now they are refusing to reply back, and I still have yet to recieve the money that was in my account when they locked it. I can not log into my account to even contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am the victim of identity theft and I dispute these accounts in their entirety. I did not open or authorize these accounts and I do not owe this debt. Under the Fair Credit Reporting Act, I request that these fraudulent accounts be blocked and removed from my credit report immediately. Please investigate and provide : * Original application or signed agreement * Proof of identity used to open the account * Complete account history * Chain of assignment/ownership * Method used to verify this debt

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 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I've been in the middle of a real estate transaction and renovations, so I have money moving in and out of my savings account. Ally has locked my account indefinitely due to fraud. I have called Ally 3 separate times, all of which ended with no timeline being given as to when my account will be unfrozen. Aside from these relatively large amounts of money moving around, Ally has provided no reason why this would be suspicious of fraud. I need access to my money to pay contractors, etc and these investigators are not prioritizing the necessary research to opent the account back up.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A levy was put on in XX/XX/year>XXXX and judgement was settled by XX/XX/year>. Letter received by XXXX. My checking account at TD Bank has been frozen due to a garnishment/levy for over 30 days. I have been unable to reach the banks levy or legal department despite repeated attempts over the past month. I have called multiple times and can not get through to anyone who can provide updates or confirm whether a release has been processed. My funds remain inaccessible and I am experiencing financial hardship as a result. In addition, I have been charged six ( 6 ) separate overdraft or account-related fees of {$15.00} each while my account is restricted and I am unable to access or manage my funds. These fees occurred while the account has been frozen, which has worsened my financial situation. I request immediate assistance in resolving this issue, including confirmation of the status of the garnishment, whether a release has been received, and why my account has remained restricted for an extended period without resolution. I also request review and reversal of the fees charged during the freeze period.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: EdFinancial Services
State: IA

Complaint narrative:
I called XXXX XXXX in XXXX of XXXX. I explained that I had recently lost my job and needed some assistance to hold my payments. They promised me that I would be notified before payments would begin again. However I was hit with an 6 immediate 90 days past due marks on my credit score. I was not properly notified of when payments would have to resume and I should not of been hit with a 90 past due XXXX when I asked for the payment to be put on hold due to financial hardships.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
While reviewing my credit reports from XXXX XXXX, FL, I found accounts and inquiries I never authorized. The accounts are : XXXX XXXX revolving account ending XXXX, opened XX/XX/XXXXXXXX and reported as paid ; XXXX collection ending XXXX for {$6600.00}, opened XX/XX/XXXXXXXX ; and XXXX installment ending XXXX with a {$1000.00} balance, opened XX/XX/XXXX. Unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I did not apply for, authorize, use, or benefit from any of these accounts or inquiries, and I have no business relationship with these creditors. My identifying information was used without consent. Please block this information under FCRA 605B and require furnishers to cease reporting under 623 ( a ) ( 6 ). XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation