vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: IN

Complaint narrative:
I am writing to formally dispute the validity of the collection account you are reporting. I am not aware of this alleged debt and have not received proper validation. When a debt is transferred from the original creditor, the new owner must demonstrate they are the rightful party with the legal right to enforce and collect on the account. Any documentation you XXXX provide from the original creditor does not establish your agencys authority to collect or enforce this debt. Account XXXX : ALDOUS, Account XXXX : XXXX * * There is no agreement between myself and your agency regarding the amount owed, and you are required to prove that you have legally stepped into the shoes of the original creditor to enforce any implied agreement. To date, your agency has failed to provide adequate validation of the debt or proof of standing. See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX So. XXXX XXXX, n. XXXX ( XXXX XXXX XXXX 2015 ). You have also failed to provide any proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, and therefore I must presume that no such debt exists. I am requesting the immediate deletion of this account, as I have not been proven to be legally responsible for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally continue my dispute regarding the above transaction. On XX/XX/year>, I purchased approximately {$3300.00} worth of hoodies from XXXX XXXX XXXX XXXX. While I did receive one package containing only 5 items, I never received the remaining merchandise associated with the order. The merchant is claiming that a second package containing the remainder of the order was delivered. However, I never received this second package, nor did I sign for it. Neither I nor anyone authorized by me took possession of the missing merchandise. The disputed amount of {$2400.00} represents the value of the items that were never received. After realizing part of my order was missing, I attempted to resolve the issue directly with the merchant. Despite my efforts, the merchant maintained that the package had been delivered and did not provide a satisfactory resolution for the missing merchandise. To be clear : I only received one package containing 5 items. I never received the alleged second package. I did not sign for or authorize anyone to receive the missing merchandise on my behalf. The disputed merchandise remains missing and unresolved. I respectfully request that Capital One reconsider and reopen this dispute based on the fact that the merchandise associated with the disputed amount was never received. Thank you for your time and consideration. Please let me know if any additional information or documentation is needed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was looking over my report and I know the account listed is not assuring maximum possible accuracy according to the Fair Credit Reporting Act. the Fair Credit Reporting Act 15 USC 1681E. This is a debt collector and I never had an account with this company and they have bought debt that was XXXX and they are now illegally trying to make me pay for debt that is not owed and I do not owe this company. This is illegal and is an example of unfair practices according to the FCRA and the FTC. They do not even have account numbers to furnish to me to confirm that I owe them these debts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX my joint owner got a check directly mailed out and issued from the XXXX XXXX XXXX. I provided them supporting documents such as XXXX transcripts, showing a check was mailed out on XX/XX/XXXX but wasnt delivered until XX/XX/XXXX which was the day it was deposited into the checking account. The check is legitimately legal and issued from the XXXX on XX/XX/XXXX me and the joint owner went to the nearest atm for Navy Federal atm so he can deposit the check into the account, I clearly didnt think it was going to raise any red flags if not i wouldve went in person to deposit it with my joint owner in the branch but its to far where i live at like XXXX mins the atm for Navy Federal is XXXX mins from me i didnt want to have to drive that far. The security appeal keeps saying appeal denial but i have emails and proof showing that im sending them all supporting documents that will highly likely lift the restriction on my account and they are saying they are denying appeal for no new evidence but i sent so much supporting documents that the IRS provided for me and im going to keep doing the appeal because this is wrong and i want to keep my membership for Navy Federal. The XXXX said i can tell the XXXX to send another check but i dont want to do that. This will look wrong for my reputation for other banks in the future and will make my name look bad FOR SOMETHING LEGITIMATE AND VALID. They dont want to send me the check back to my joint owner. He also called and verified the check was deposited into our account with a agent when they contacted me about it. I am highly frustrated with Navy federal credit union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Square , Inc. advertises on their pricing page ( XXXX XXXX XXXXXXXX ) that ACH bank transfers via XXXX have `` {$0.00} fees for ACH transactions deposited into Square XXXX. '' Relying on this published information, I opened a Square XXXX account and informed my customers that ACH payments would be processed without fees. However, when actual transactions posted to my account, Square deducted the standard 1 % fee despite the funds being deposited into my Square XXXX account, contrary to what their pricing page states. When I contacted Square support for clarification, they informed me that to receive the advertised 0 % fee, my customers must bypass Square 's payment processor entirely and send funds directly to my Square XXXX account using my bank account number and routing number. In other words, the advertised " 0 % ACH fee '' only applies if I share my personal banking credentials with every customer and avoid using Square 's actual payment platform. This is misleading on multiple levels : 1. The pricing page makes no mention of this critical condition. A reasonable merchant reading the page would conclude that ACH transactions through Square 's API are free when deposited into Square Checking. 2. The " solution '' Square offered, sharing my bank account and routing number with customers, defeats the purpose of using a payment processor and exposes me to ACH fraud, unauthorized debits, and identity theft. 3. I made business decisions and communicated pricing to my customers based on Square 's published terms. Square is now charging fees that contradict their own advertised pricing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sezzle Inc.
State: OK

Complaint narrative:
I am submitting this updated complaint regarding Sezzles handling of my account, hardship assistance, and accumulated failed-payment and late-payment fees. This issue has been ongoing for several months and follows a prior CFPB complaint I previously submitted regarding Sezzles payment handling, disputed transaction activity, fee accumulation, and customer support concerns. Throughout this process, I repeatedly contacted Sezzle regarding financial hardship, escalating fees, and difficulties managing the account while attempting to resolve the matter in good faith. Despite these repeated communications, meaningful hardship assistance was not provided until after additional fees had already accumulated on the account. Sezzle later approved a hardship rescheduling accommodation ; however, Sezzle repeatedly stated that the hardship assistance would not retroactively remove or reverse previously assessed fees. Supervisor-level responses also acknowledged : the timing concerns surrounding hardship assistance, the accumulation of fees while I was attempting to resolve the matter, and that Sezzle reviewed payment activity, transaction attempts, hardship accommodations, and servicing interactions. Despite acknowledging these concerns, Sezzle maintained that the fees were validly assessed under company policy and refused to reverse, refund, or waive the disputed fees. My concern is not simply that fees exist. My concern is that Sezzle allowed fees to continue accumulating while I was actively communicating hardship concerns and attempting resolution, then applied hardship relief only prospectively after the account balance had already escalated. I also remain concerned that Sezzle relied primarily on general policy language rather than meaningfully addressing whether earlier hardship intervention or different servicing actions could have prevented the escalating fees and financial harm. I am requesting : review and removal/refund of disputed failed-payment and late-payment fees connected to this hardship period ; a full itemized accounting of all fees and payment attempts ; review of Sezzles hardship servicing timeline and handling of this account ; confirmation that no additional adverse reporting related to this hardship period will occur ; and review of the payment and servicing interactions associated with this dispute. I have attached supporting documentation including : prior CFPB complaint records, support chat screenshots, supervisor-level responses, hardship accommodation screenshots, payment and failed-payment notices, and an evidence timeline documenting the ongoing nature of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/year>, I called Bank of America at XXXX and spoke to XXXX and I stated that a debit card was sent to my address that had my first and last name on it and I didn't consent for an account to be opened nor did I consent to an savings account to be opened. I do not have an account with Bank of America.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one debited my account for a the deposit amount {$1500.00} bringing my account into the negative for that amount. They claimed washington lni check/ warrant # XXXX for the amount of {$1500.00} had been cashed at a different location as well as deposited into my capital one account XXXX. I called the Washington LnI warrant office who verified that Capital one had been the only entity that tried to cash that check. LnI warrant department sent me a affidavit to fill out and send in, Washington State Attorney General is involved in fixing this. Capital One has since closed my account and did a " charge off '' on XX/XX/year> which now is sitting on my credit reports. They have effectively ruined my credit and reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
My accounts with MoneyGram, XXXX XXXX, XXXX, and XXXX were suddenly blocked and/or restricted without a clear explanation. I attempted to contact customer service, compliance departments, and account review teams more than XXXX times seeking clarification and resolution, but I did not receive meaningful responses. I repeatedly requested : * The reason my accounts were blocked or closed * Whether the issue involved identity verification, fraud prevention, AML review, or another compliance concern * Instructions regarding what documentation or corrective actions were required to resolve the matter Despite my good-faith efforts and willingness to cooperate, the companies failed to provide a meaningful explanation or a reasonable process to resolve the issue. I offered to provide identity verification documents including : * U.S. Passport * Drivers License * Employment/Contractor Identification * Proof of Address These restrictions have interfered with my ability to conduct legitimate personal financial transactions and have caused serious concern regarding whether inaccurate fraud or risk-related information may be improperly associated with my identity. I am requesting : XXXX. A formal manual review of my accounts XXXX. A written explanation regarding the restrictions or closures XXXX. A reasonable opportunity to resolve or cure any alleged concerns XXXX. Reinstatement of my accounts if appropriate following verification Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : [ XXXX ] ( XXXX : XXXX ) Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AL

Complaint narrative:
Ed Financial is again mishandled my loan and has placed my loan under the extended payment plan which does not qualify under public student loan forgive forgiveness. Given the fact that I am currently under a public student loan forgiveness plan Ed Financial has regarded previous communications in which I clear through this forum that I am under public student loan forgiveness despite verbal and written notification. As such they have chosen to put my loan under extended payment plan rather than the required income based repayment plan that would follow under public student loan forgiveness Ed Financial continues to mishandle my student loan by placing me on an extended payment plan rather than an income based repayment plan. I do believe they are mishandling my student loan payment plan for their own financial gain. This is evidence based on the fact that they have placed me under an extended payment plan with an end date of final payment in XXXX Currently under the public student loan forgiveness I am scheduled to have my loans forgiven in XXXX. This is a stark contrast as to what Ed Financial is reporting, I have submitted an income based repayment plan to the XXXX department. I am again asking why Ed Financial not showing income base repayment plan which is required for my public student loan forgiveness plan. They are continuing to ignore that that my loan is currently under public student loan forgiveness and ignore that my PSLF REQUIRES income based repayment plan. This is a COMPLETE disregard of my current student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> someone illegally access my online account and made unauthorized transactions. The person moved {$2000.00} from my savings account to checking account and purchase XXXX and transferred the money from my account to an unknown account. They also completed other unauthorized transfers in my account. I contacted the bank on that day after receiving notifications and they begin to process the claim. On XX/XX/year> I was advised that the claim was completed, but I will be receiving no funds they had sent the funds back to the fraudster. I did not authorize any of these transactions and would like my {$2000.00} to be refunded back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX my account was closed without any reason given. My use of this account has been completely organic and I had it for several years. Not only that but I've been consistently refused any explanation even after a complaint to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
No identification was verified this has been in dispute for over XXXX plus days

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 2026-05-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one shopping rewards were stolen from my account without my knowledge. I have changed my password several times. As soon as balance becomes available to redeem, the funds were stolen right away to purchase gift cards, and the gift cards were used immediately. Capital one has claimed they have no responsibility over stolen rewards. {$200.00} XXXX Gift Card Purchased Date : XX/XX/year> Order Number : XXXX {$150.00} XXXX Gift Card Purchased Date : XX/XX/year> Order Number : XXXX {$45.00} XXXX Gift Card Purchased Date : XX/XX/year> Order Number : XXXX {$29.00} XXXX Gift Card Purchased Date : XX/XX/year> Order Number : XXXX

Company response to consumer: Closed with monetary relief