vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: U.S. BANCORP
State: CA

Complaint narrative:
Letter of late payment notice was dated XX/XX/year>. I received it XX/XX/year>. Made payment in full XX/XX/year>. Payment posted to account XX/XX/year>. Elan XXXX XXXX reported me to credit rating agencies on XX/XX/year>, on the same day I made the payment in full. I was not given a chance to react.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was contacted by a person claiming to be a representative from XXXX. He already had my personal identification details, and was able to log in to my account. He disputed multiple payments from my checking account and had those charges credited back to my account. He then transferred the credited money to my CashApp account. Then from my CashApp account to his XXXX account. {$5000.00} total was stolen. Reported fraud to both XXXX and CashApp. They did not find in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and misleading credit reporting by Freedom Mortgage XXXX. A late payment was reported on my mortgage account for XX/XX/year>. The XX/XX/year> late payment occurred during an active escrow-related dispute. During this time, I was in communication with the company and actively working to resolve billing discrepancies. Reporting a XXXX delinquency during an unresolved billing dispute does not accurately reflect the status of the account and is misleading. I previously contacted Freedom Mortgage to explain this situation and request a goodwill adjustment. While they acknowledged the payment was late, they did not address the fact that the account was under dispute at the time the delinquency was reported. This reporting issue has significantly impacted my credit profile and my ability to obtain financing. I am requesting that Freedom Mortgage conduct a thorough review and remove the XX/XX/year> late payment due to the active escrow dispute at the time. I also request documentation supporting their decision to report these payments as late under these circumstances.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I noticed my escrow charges going extremely high. I was not notified why. I noticed a {$1900.00} fee listed in my payments for self-home insurance. I inquired and asked what this fee was and why it exists since I have and was under a clear home insurance policy since owning this house in XXXX. I sent them the copy of the home insurance policy which contracts their claim. They continue to claim my home was not insured. After months of requests they finally sent me a note from the insurance company XXXX XXXX ) saying my policy would not be renewed after its ' expiration. XXXX is the FL state home insurance agency that was divesting hundreds of thousands customers since it had overenrolled. Now Loan Depot ( my mortgage company ) is refusing to believe my policy, me, or any logic and claiming the fee is valid. I have told them the date of the letter was XX/XX/XXXX and it says on the letter they policy runs XX/XX/XXXX to XX/XX/XXXX. They continue to try to hold my money and accrued interest with no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
the online process could not be used for payment i had to cancel the citi bank XXXX credit card after being on the phone for XXXX hr i have never had a problem with previous credit cards i would not recommend this card

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Account Status : The credit card account had been locked for over one year prior to the fraudulent activity. No authorized transactions were made during that time. Fraudulent Activity ( XX/XX/year> ) : Five attempted transactions were made by an unauthorized party through a merchant listed as gifting onme.com XXXX XXXX CA. Three transactions were declined Two transactions were approved and posted : {$500.00} {$490.00} Action Taken by Me ( XX/XX/year> ) : Reported the transactions to Avant as fraud immediately after discovering them Opened a fraud case with the company Confirmed that I did not authorize any of the charges Provided requested information to support the claim Issues with Avants Fraud Handling : The fraud department initially had no record or details of the transactions and required me to repeatedly provide information I was required to provide personal identifying information despite the account already being established The charges were allowed to post and remain on my account despite being reported as unauthorized, and the card being locked for over a year As of now, I am still being billed for these amounts and have not received provisional credit Additional Issue Monthly Fee : AXXXX XXXX XXXX XXXXonthly fee is being charged on the account This fee was not part of the original agreement and appears to have been added years after account opening I do not recall receiving clear notice of this change

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received a credit for 2 fraud charges on my XX/XX/XXXX statement for fraud charges XXXX XXXX XXXXXX/XX/XXXX {$930.00} XXXX XXXX XXXXXX/XX/XXXX {$2700.00} The issue is that the 2 fraud claim credits do not reflect off of my owed balance. So the paper statement shows that these 2 charges were reversed on the paper statement, but in reality, amex did not take the charges off my statement balance and credit me back for these unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
XX/XX/year>, I made a purchase on XXXX for {$140.00} ( Order # XXXX ) using my SOFI bank debit card. I received the item on XX/XX/year>. The item did not work for me, so I requested a return and refund from the seller through XXXX. The seller never responded to the request for a return. I have all the emails and time stamps. After two weeks with no response, I contacted SOFI and opened a dispute on the morning of XX/XX/year> with SOFI ( Dispute # XXXX ). The seller then responded to the return request and sent me the return postage. I dropped the package off to return. The next day, I get an email saying they have cancelled my refund because I opened a dispute with the bank. I contact SOFI and they state they are still investigating the transaction. SOFI sends me an email saying I dont qualify for a provisional credit for the funds and sent me some jargon to back their claim. I then again reach out to the seller twice ad no response. The seller has their product back and my money. SOFI doesnt seem to care so I lost my money and the item was sent back. So I have no item, no refund, and neither side Ebay nor SOFI seems to care. I want my money back and then some, this shouldnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint because I am extremely frustrated with having to repeatedly address this matter with both the credit bureaus and the collection agency involved. To date, the collection company has not provided any valid documentation showing that this account legally belongs to me, nor have they proven that they have the legal right to collect this alleged debt. Despite multiple requests, no proper verification has been provided. As a result, this account continues to be reported without sufficient proof, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The continued reporting of this unverified account is causing harm to my credit profile. Because of the collection agencys failure to comply with these federal laws, I am requesting that this account be deleted and removed from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc.
State: NY

Complaint narrative:
This account is inaccurately reported. FST Financial Resources is listed as the original creditor, but the actual creditor is XXXX XXXX XXXX. Please investigate and correct or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MI

Complaint narrative:
I sent a written dispute regarding this alleged rental debt on XX/XX/year>, and have proof of delivery via certified mail. The company previously provided a copy of a lease and a summary of move-out charges, but did not provide a full itemized breakdown explaining how the balance was calculated or how the security deposit was applied. In my XX/XX/XXXX dispute, I specifically requested full validation, including a complete itemized statement, documentation supporting any interest or fees, and proof the company is authorized to collect this debt. I have not received any response or additional documentation since that request. Despite this, the account continues to be reported as consumer disputed, and the balance has increased since the dispute was submitted, without explanation or supporting documentation. I am requesting that this matter be investigated and that the account be corrected or removed due to incomplete validation and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
CashApp, a subsidiary of Square, was contacted regarding a refund for services not received. In an attempt to contact them, the only method provided was to use their Chat service via mobile app. The representative during that chat was extremely unhelpful, eventually disconnecting and not processing the refund request. The company was called and instructions were given to fill out an application/complaint form. However, the complaint form was buggy and did not allow for the requested evidentiary documentation to be submitted. Without the " proof '' the company rejected the complain and refund request within 24 hours, without giving the ability to attach the correct documents. The case was closed with no option to re-open and no further information was given. A search for valid email addresses was unsuccessful, with all previously listed emails now disconnected and returned as undeliverable. Eventually, a message left on the XXXX XXXX seemed to be the only manner left to contact the company. After leaving an unflattering message, the company did immediately reach out with a new email address in which to contact them. Initially, it sounded like this representative might actually be helpful. However, this was another farse. The bare minimum amount of effort is put forth to check a regulatory box, but no actual, legitimate ways to process a dispute exists, it appears. Every step is agonizingly difficult, especially considering they give the presence of a tech-forward company. There is no stable route of communication, and no way to reach the company for further information or options. At most, you will be sent 1-2 initial emails that will later go responded to, or forwarded to a virtual assistant overseas without the ability to help or escalate your complaint. I would like to take this opportunity to also point out that nearly every person I've met has had issues of theft, ID fraud, or other issues related to CashApp. Unfortunately, with no easy way to reach them, most give up and write it off as too much trouble. I'd be very surprised if there is not another class action lawsuit very soon. If not during this administration, during the next when everyone is tired of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
XX/XX/year> and XX/XX/year> they are charging me more fees even though I paid the full balance off. I asked if they had any other hidden fees and they told me no. But it's racking up again. I can not get out of this with them at this rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
This account was paid upon due sent certified mail and certified check. This is a malicious FRAUD to involve collection agency by La XXXX at XXXX and I want this removed from credit bureaus immediately because they are fraudulently trying to collect monies paid - this randomly appeared on my credit report after my ID was recently stolen This is fraud and the monies were paid timely by certified mail and bank check. This place has poor management and changed staff multiple times XXXX XXXX XXXX XXXX XXXX I want this FRAUD removed from my credit bureaus immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I had a XXXX XXXX account for over two years starting around XX/XX/XXXX that was paid on time every single month with some months being paid in advance. In XX/XX/XXXX I contacted XXXX as I was moving to a new address and was unable to transfer my Internet services to that address due to XXXX not offering services in that area. I spoke with a representative over the phone and requested my account be closed due to the fact that they dont offer services at my new address. I moved to my new home and then about a month and a half later I received a bill from XXXX XXXX which didnt make sense to me because I had already canceled my account and I called and spoke to a representative at length and he also agreed he wasnt sure why I was being billed because he can show no services were used for the billing cycle and he assured me the account was closed and canceled again. This was also over the phone. Also on XX/XX/XXXX I received an email from XXXX stating Internet services were now available at my address. If I had an active account, why would I receive that promotional email to the same email address that I used for the XXXX account? If I had an active account, there would be no reason for that because I would already have services at my address. That marketing was for my new address that I moved to that XXXX was aware of and confirms my account had been canceled and they were still sending me marketing emails to create a new account with them. Despite this I continued to be billed despite being told that my account was closed and canceled and did not receive an email confirming cancellation until XX/XX/XXXX and now I am being contacted by a collection agency and being told that I owe over {$400.00} this is fraudulent behavior and I believe XXXX is using fraudulent tactics to collect money in sending bills to collection to scare consumers into paying them to prevent them being put on their credit report. Again, my account was at a XXXX balance when I closed and canceled due to moving and not being able to keep the services at my new address theres no reason I should have continued to be charged, especially after talking to customer service and canceling my account and a representative confirming my account was canceled. I am requesting that this debt be closed and further collections stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Velocity Portfolio Group
State: NJ

Complaint narrative:
XX/XX/year> XXXX I made a payment plan for the company XXXX XXXX XXXX XXXX And now 2 more companies come out I don't know if they are the same or scams

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
I seen have been left out the Navient Settlement payments to students affected in consecutive forbearances between XX/XX/XXXX and XX/XX/XXXX, and I need my payout or and CFPB missed my information in error! Please send my check or please tell me why Idid not enter XXXX Consumer Financial Protection Bureau ( CFPB ) lawsuit against Navient over improper forbearance steering? I need a response at your earliest convenience! I have been left out of 2 payouts already! XXXX XXXX referred me for assistance as to why I was left out. I have attached information. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, I used my Citibank credit card for a paypal transaction. They treated this as a " cash advance ''. This added a {$10.00} cash advance fee to my account and started accruing interest at a 28.74 % rate. I noticed when reviewing my statement and called to get an explanation. I was informed by " XXXX '' on XX/XX/XXXX that there would be additional interest charged to my account the next month. Since I have my account set up as autopay previous months balance, this interest would continue to snowball in perpetuity, if I hadn't logged in and paid off the " cash advance '' balance. Wanted this complaint documented as I suspect it is a wider pattern of abuse by Citi hitting people with small fees with the assumption that it will collect more in fees than the penalties it will eventually be assessed.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX of this year, I received a text message on my cell phone stating that there was a possibility of a fraudulent transaction on my card. I replied affirmatively, realizing I didn't have my card with me. Days later, the charges were removed from the card by the bank. However, shortly after, they were reinstated, with the excuse that the charges were valid. I became upset and told them that this couldn't be because my wallet had been stolen. They denied this and reopened the case, which to this day has not returned the funds that were fraudulently taken when my wallet was stolen. Therefore, I request that you please take action so that the money is returned to my credit card, as this is affecting my credit and financial history for no reason whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I filed a dispute with Citibank over a charge that I did not make or authorize for an XXXX balance. This charge was 2 months after I had closed and turned off auto pay. I filed a dispute, and Citibank stated that because they had my card, they could do this.

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