vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request : Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. Breach of the Privacy Act of 1974 ; my personal and financial information was improperly accessed and shared without my authorization, in violation of my privacy rights under federal law. Violation of the Higher Education Act ; as a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. Breach of Contract and Negligence ; the entity responsible for safeguarding my data failed to do so, putting my financial security at risk and unauthorized disclosure to third parties.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal, urgent, and protected dispute regarding the derogatory credit mark placed on my consumer credit profile by your company in connection with an alleged XXXX XXXX XXXX account. 

I am a XXXX XXXX  individual with documented XXXX  and XXXX  XXXX, including XXXX of XXXX  and XXXX. I also live under severe financial hardship, relying almost entirely on paycheck-to-paycheck income to meet basic living expenses. I am barely able to pay my bills, and I do not have the capacityfinancially, medically, or emotionallyto absorb the consequences of negligent or aggressive credit reporting. 

The sudden appearance of this negative mark on my credit profile caused acute psychological distress, including XXXX  XXXX. This was not a routine discovery. For someone with my medical profile, it was destabilizing and retraumatizing, triggering an immediate fear response and a serious decline in mental well-being. 

To be clear : I do not have the luxury of engaging in prolonged disputes, documentation games, or adversarial proof exchanges. Whether or not you claim to possess evidence is irrelevant to the immediate harm this reporting has caused me. I am not in a position to litigate, negotiate, or financially survive the continued presence of this mark while you deliberate internally. 

You are hereby placed on formal notice that : Continued reporting of this collection, while I am experiencing documented disability-related distress and financial hardship, constitutes undue hardship and a failure to provide reasonable accommodation under the Americans with Disabilities Act ( ADA ). 

Any delay in corrective action after this notice may be interpreted as willful indifference to the foreseeable harm caused to a protected individual. 

Under the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate deletion of this collection entry from all consumer reporting agencies pending verification, without delay or obstruction. 

If you believe you have documentation, that is a matter for your internal records. I am not consenting to continued reporting while you review it. Absent immediate deletion, this entry is causing real and ongoing harm to my health and financial stability. 

This notice is submitted to prevent further escalation of a situation that I am medically and financially unequipped to endure. I am requesting prompt written confirmation of deletion. 

All future communications must be clear, concise, and in writing, in accordance with ADA communication accommodations. 

This matter is urgent and must be resolved immediately. 

Sincerely, 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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year> My father mistakenly sent XXXX dollars through XXXX to the wrong person, XXXX couldnt despute it since it was already sent to the other persons account. The person has Bank of America and they believe we are scammers. We need our XXXX dollars back.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have received phone calls and mail from this company and I have no account ( s ) with them. Asked for original contract or agreement with my signature and have heard nothing back since then

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: WY

Complaint narrative:
On XX/XX/XXXX I made an online purchase for my nephews birthday however it was a fraudulent company and I was scammed for {$91.00} from a company called XXXX XXXX for a XXXX XXXX XXXX XXXX I immediately contacted Cash App and tried to stop the transfer from my account but they stated since it was pending I would have to wait until it went through. It took 3 days and I filed a dispute which took another 3 days to receive an answer. Cash app refused to refund my account and said that the company ( XXXX ) had met all of the requirements. I appealed the decision due to the fact that the only requirement it met was stealing my money, supplying a fake tracking service called XXXX XXXX, which I proved was a scam. My nephew never received anything and I had to deal with Cash App denying me which felt like they helped this fraudulent company steal from me. This purchase should have been able to be stopped yet Cash App made me wait which led to XXXX being able to aquire my money without sending the merchandise I ordered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Overview : I am filing this complaint against Wells Fargo Bank for violating the Fair Credit Billing Act ( FCBA ) regarding an unauthorized charge of {$150.00} on XX/XX/year>. 

1. Deceptive Re-Billing & Financial Harm : Wells Fargo initially provided a provisional credit for the fraud. Without prompt notice or explanation, they quietly re-added the charge to my statement. This resulted in me inadvertently paying the fraudulent balance when I cleared my monthly statement. This " stealth re-billing '' is a deceptive practice that forced me to pay for a fraudulent charge in an attempt to circumvent the appeal process.

2. Logical & Temporal Impossibility : Wells Fargo denied my claim stating the transaction was " In-Person. '' This is factually impossible. The merchant is " XXXX, '' an online processor. Furthermore, I was making a verified purchase at a XXXX drive-through at roughly the same time as the fraudulent charge. Wells Fargo has the precise timestamps for both ; a manual review of these logs would prove I could not have been in two locations at once.

3. Intentional Obstruction of Information : Since I informed Wells Fargo I was contesting their findings, they have refused to provide any digital copies of my claim status, claim number, or the evidence they relied upon. They insist on using USPS exclusively, which I believe is a tactic to delay my legal right to an appeal within the 60-day window.

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 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am complaining about Cash App ( Block, Inc. ) for allowing illegal online gambling transactions on my account ( XXXX XXXX  ), then restricting/freezing it to create barriers when I disputed them. This violates their XXXX CFPB consent order for mishandling unauthorized disputes and fraud protections. 
From XXXX to XX/XX/XXXX, Cash App processed thousands in charges to sweepstakes casinos like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are illegal/deceptive in Minnesota per the Attorney Generals XX/XX/XXXX cease-and-desist orders ( covering dual-currency models as unlawful gambling, violating Minn. Stat. 609.75609.763 and consumer laws ). Total gambling-related outflows ~ {$8500.00}. Plus Cash App shouldve blocked under UIGEA but allowed them for months. 
In XX/XX/XXXX, I sent a follow-up letter disputing all as unauthorized/illegal ( no goods/services receivedvoid contracts ). Their response ( XXXX XXXX, XX/XX/XXXX ) denied blanket refunds, claimed account active, and asked for specific details to investigate. 
But the account was already restricted/frozen since XXXX XXXXstatements show {$0.00} in/out/fees from then on ( balance stuck at {$2.00}, then {$0.00} by XX/XX/XXXX ). This contradicts active and blocks access to history/disputes, creating unreasonable barriers. 
When I filed XXXX individual disputes ( similar {$9.00XXXX XXXX XXXX XXXX XXXX ), they paused for ID verification by XX/XX/XXXX, XXXXanother stall after I submitted evidence ( AG link proving deception + restriction note ). They gave short deadlines per dispute, making it hard to respond. 
Cash App enabled harm ( addiction/compulsive charges ), profited, then froze after I foughtviolating consent order for poor unauthorized dispute handling. Request full refunds plus removal of any negative reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I spoke with several representatives on XX/XX/year> and XX/XX/year>. I also contacted Customer Support on XX/XX/year>. Every time I reach out, the response is the same : We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service ( https : //cash.ap

p/legal/us/en-us/tos ), including payment activity related to gambling along with other potential violations.

This is untrue and I have never used this account for gambling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: ROBINHOOD MARKETS INC.
State: MS

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report police report and my credit report showing the items that I dispute. Because the information you are reporting is the result of identity theft, and does not reflect my activities, I am requesting that you stop reporting this information to the CRAs pursuant to section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Enclosed are copies of ftc report police report and identity verification supporting my position. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. Please cease reporting this information to the CRAs, investigate [ this/these matter ( s ) ], and delete the disputed item ( s ) as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all the banks denying me because false claim of fraud on XXXX XXXX  also there are car loans thats also not mines like child support from department of revenue and XXXX XXXX and also XXXX  none of these things are mind and I have filed a police report

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MA

Complaint narrative:
I signed up in XXXX using a link on social media with a {$350.00} bonus, {$250.00} for enrolling in direct deposit, {$100.00} via 10 % cashback which I both completed within 30 days. 

Chime is claiming that I never signed up using the offer, so I am not eligible, despite acknowledging that I signed up from social media and are unwilling to remedy the situation, despite the promotion still being active. 

At best, this is poorly written software that would benefit from more advanced, logging and tracking telemetry to ensure that customers that are being advertised certain benefits actually receive them. 

At worst, this is fraudulent and needs to be investigated for deceptive marketing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: Minto Financial dba Minto Money
State: AZ

Complaint narrative:
I applied for a personal loan online through I believe it was called XXXX. I'm not positive because its all become so confusing. I wasn't aware all of my information was going to resent to several banks. I received text messages from several lenders saying " click here now before your funds expire '' " hurry your funds are ready to be sent '' and other similar messages. I received a text from Minto Money that said " your funds are ready click here to sign '' I clicked on the tab and reviewed the documents and saw they were charging me XXXX  % interest rate! I responded back to them saying something like " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I received several more text messages from them daily saying click here to see terms. I clicked on the tab and it automatically funded the loan at XXXX  % rate! I didn't sign a contract electronically or in person. I simply clicked on XXXX tab and it funded the loan. How are they able to do this? There are so many things wrong with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy of a late payment entry that appears on my credit report. 
According to my recent credit file provided by your agency, the following account is reporting a late payment that I believe is inaccurate, unverifiable, or misrepresented : Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I am exercising my right to dispute incomplete or inaccurate information.

You are required by law to investigate this matter within 30 days of receipt and remove or correct any information that can not be verified as accurate.

Furthermore, under 15 U.S. Code 1681e ( b ), credit reporting agencies must " follow reasonable procedures to assure maximum possible accuracy. '' Reporting a late payment without fully verified documentation from the furnisher violates this statute.

I am requesting : 1. A full reinvestigation of the late payment in question.

2. A copy of the method of verification used under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ).

3. Immediate deletion of the late payment if the creditor can not verify the accuracy with proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Subject : Urgent Review Required : Recurring Account Closures and Identity Verification Issues To Whom It May Concern, I am writing to formally address a recurring and unresolved issue regarding my ability to use the Cash App platform. Over the past several years, I have attempted to open and use an account multiple times, but I am consistently met with the same error. 
Every time I attempt to open a new account, immediate after verifying my Social Security Number and personal information, the account is automatically closed. I am never provided with a specific explanation, other than a generic directive to read the Terms and Conditions.

I have previously contacted support to explain that these errors may be linked to old accounts associated with phones that were lost or stolen in the past. I specifically requested that your team close any and all existing accounts linked to my identity so that I could start fresh with one functional, secure account. However, that request was declined.

I am currently stuck in a cycle where I can not open a new account, yet I am not being allowed to clear the old data that is likely causing the security flag. I am requesting a manual review of my identity information to close any dormant accounts and allow me to establish one single, working account. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: IL

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 EDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. It still shows balance and reporting late payments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
I am submitting this complaint regarding my financial institutions refusal to comply with Regulation E ( 12 C.F.R. 1005.11 ) in connection with multiple unauthorized electronic fund transfers resulting from identity theft. 

I reported several unauthorized XXXX XXXX XXXX debit transactions. All transactions occurred within the same timeframe, involved the same merchant, the same account, and the same lack of authorization. Despite this, the institution improperly grouped the transactions into a single dispute, approved one transaction, and denied the others without any material factual distinction.

When I attempted to submit new notice of error for the improperly handled transactions, the institution repeatedly statedin writingthat the only option available was an appeal and that they do not accept new notice of error once a dispute is closed.

I explicitly asked whether the institution was accepting my submission as new notice of error under Regulation E and requested a yes or no response. The institution refused to answer, deflected to an appeal-only process, and terminated the chat. This constitutes a constructive refusal to accept notice of error.

Regulation E requires financial institutions to : Accept timely notice of error Investigate each reported error Provide written findings Limiting consumers to an internal appeal process and refusing to accept new notice of error is not permitted under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I have been billed $ XXXX for Coinbase One for approximately 24 months. I have not had access to my Coinbase account and can not cancel the subscription because I can not log in. Coinbase support tools require login and offer no way to submit a ticket. This is unfair recurring billing for a service I did not receive. I am requesting cancellation, account access help, and refund of charges. In addition to that, no live help is available.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I paid my Amazon credit card balance in full on XX/XX/year>. 
After my payment posted, the bank closed my account due to credit reasons without prior notice. Because the account was closed after payment, I lost access to the credit I had just paid for and was unable to complete purchases I relied on that credit for. 
I was not informed the account would be closed before or immediately after payment, and this caused financial harm. 
I am requesting a review of this closure and any possible refund, credit, or goodwill adjustment. I had also accumulated reward points. Please tell me the exact reward point balance at closure and whether those points were forfeited, expired, or retained, and provide this in writing.

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