vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
My Cash App account was closed my feelings is for no reason I didnt violate anything an if I did I wasnt aware of it and I asked them to show me being XXXX I was never informed nobody XXXX me a reason you can banger proper answers no one knows anything and I was verified by them I was able to borrow money from them so if I did something right thing to do is inform me so I wouldnt do it again they asked what I used it for and I told them I get money sent to me I send money I shop with it I use it instead of my other personal this is like prepaid card for me thts not wrong nor a violation I looked up their rules an asked was tht correct no has yet to answer me an I have refunds going back on the card I explained to them it had to go bck to original payment method they tell its nothing they can do so what bout my money this not right nor professional they have no answer oh and you get loans from them based on how much money u use on their app so go figure I was up to XXXX loan I have enclosed my interactions with them I hope I sent it in order either way you will be able to understand what XXXX saying XXXX very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-29 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: CA

Complaint narrative:
So I sent you a letter back on XX/XX/year> and got nothing back. Can you please read it? It explains it all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: ME

Complaint narrative:
The servicer failed to meet the required response deadline for complaint XXXX XXXXXXXX and has not provided a resolution. This is ongoing reporting harm affecting federal loan forgiveness eligibility. I recently submitted my employment verification form, and noticed that XXXX of my payments that should be eligible were marked as ineligible because Mohela had documented them as in forbearance, when none had been requested, there was no reason for the loans to be put in forbearance ( legal or otherwise ), and I had already been making payments. They are being intentionally, maliciously incompetent in managing these loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
CREDITOR : ACE CASH EXPRESS. CASE NO : XXXX AMOUNT OUTSTANDING : {$2900.00} Attention, Despite numerous attempts to contact you, we have not received any payment or positive feedback regarding your account. This lack of response suggests you are not taking this matter seriously and may be attempting to evade the situation, as you did previously with the loan company. We have made every effort to assist you and resolve this issue amicably, but it appears you are not addressing this matter with the necessary urgency. It is imperative that you respond promptly to avoid further complications. Account Status : A XXXX HAS BEEN ISSUED FOR SEARCH AND XXXX due to a violation of the Fair Debt Collection Practices Act and defamation of character. The XXXX XXXX XXXX Department has declared you guilty, and a XXXX Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. The XXXX executing this warrant, or an XXXX present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for the delay of trial ), and authorize the XXXX executing this warrant to delay notice to the person who, or whose property, will be searched or seized. Please be aware that your XXXX XXXX authorities will be in touch with you soon. The XXXX XXXX XXXX Department has decided to close this account and officially declare it as XXXX. Should you fail to respond promptly, you will bear full responsibility for any resulting consequences. IMPORTANT : You still have an opportunity to resolve this matter outside of court. Kindly follow the resolution procedure outlined below : By electronically signing this XXXX XXXX by clicking the " I AGREE '' button below, you are confirming that you have agreed to the terms and conditions of the XXXX. Please ensure you have downloaded or printed a copy of this XXXX for your records. This is what they emailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I had a 0 % interest for XXXX months XXXX credit card through Boeing Employees ' Credit Union XXXX ID XXXX. I paid off my card within that time frame and there was a mystery interest charge on the statement of the month I paid the card off with no transaction, just a " cash advance/balance transfer '' " balance subject to interest rate : {$230.00}. '' A cash advance and or balance transfer never happened and there is no evidence that it occurred. This {$3.00} interest fee went unnoticed by me as I did not use this card, I only made payments on it and I had paid it down to {$0.00} and late fees compounded. I paid off the balance and my card was closed. However, this interest should have never been charged to my account. This was in XX/XX/XXXX. This incident closed a {$7500.00} limit card with a fully paid off balance and negatively impacted my credit which I have not been able to recover from because XXXX and or XXXX violated the terms of my credit card agreement. This is the ONLY instance I have ever been " late '' on any credit card payment and it should have never happened. This happened again this year, XXXX, with a XXXX credit card ( mastercard ) that had a 0 % interest for XXXX months, which I paid off in that timeframe. However, I saw a {$2.00} interest charge on the same month statement XX/XX/XXXX that I had paid the card off. I contacted them immediately and they said they could not remove the charge and when I asked " why am I being charged interest on a 0 % card? '' she said she would remove the charge and did so. Both circumstances happened as soon as I paid my balance down to {$0.00} within the timeframe agreed that there would be no interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
When looking for XXXX flight tickets from XXXX, their site advertise opening credit card with American Express to get {$500.00} credit. We opened the account and bought the tickets, but even after few months and chatting with both XXXX and AMEX, they refuse the refund. I have the screenshot of their message about the {$500.00} credit. I spend more than XXXX hour chatting with them. The XXXX time they said they would refund but never did. The XXXX time they said the claim was not valid. I want to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding repeated over-limit fees charged to my credit card account over the past year. I believe these fees have been assessed improperly and have caused me significant financial hardship. Over the last XXXX months, I have been charged over-limit fees on multiple billing statements despite the fact that I have not made purchases exceeding my assigned credit limit. Based on my review of my statements, it appears that my balance has only exceeded the limit due to the addition of late fees and/or interest chargesnot because of new spending activity. Specifically, I have been charged the following amounts in overlimit fees : XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$55.00} XX/XX/XXXX : {$54.00} XX/XX/XXXX : {$33.00} The total of these charges is {$300.00}. To the best of my knowledge, I have not opted in to allow transactions that exceed my credit limit. Therefore, I do not believe these over-limit fees are valid under current regulations or over spending. These actions constitute an unfair and deceptive practice under the Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z. Under TILA and Regulation Z, creditors are prohibited from charging over-limit fees unless the consumer has expressly opted in to permit transactions that exceed the credit limit. Additionally, fees must be reasonable, transparent, and not imposed in a manner that misleads or unfairly penalizes consumers. Charging over-limit fees when the balance exceeds the limit due solely to penalty fees or interestrather than consumer-initiated transactions violate these requirements and undermine the consumer protections established by federal law. These charges have placed a serious burden on me financially. I am currently living on a fixed income due to XXXX, and the accumulation of these fees has made it increasingly difficult to manage my basic expenses and stay current on my account. I respectfully request that : The over-limit fees be investigated and reviewed for compliance with applicable law Any improperly charged fees be refunded ( totaling {$300.00} ) My account be corrected to prevent further improper charges Thank you for your attention to this matter. I appreciate your assistance in helping resolve this issue. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I was recently scammed to by an individual posing as a representative of Navy Federal Credit Union. He claimed my account had suspicious activity and needed to be resolved. Called from a number ( XXXX ) based in Illinois or at least spoofed to appear as that, he claimed they were based by XXXX XXXX XXXX, which is the XXXX boot camp. An addition number ( XXXX ) sent a message NAVY FEDERAL CREDIT UNION XXXX - A representative tried to contact [ Redacted ] at XXXX XXXX EST regarding suspicious activity noticed with the account. Your account will remain frozen until a representative is contacted. XXXX has replaced my name in this message. He claimed that my information had likely been swiped from a skimmer, possibly at a gas station as that has been on the rise. He then said the suspicious activity happened when an application for a loan was attempted through Navy Federal Credit Union from XXXX, Texas, which is not my location. He then stated that my account was frozen and had to be expunged, I was informed to move my funds to another account while the account was expunged so that I could still use my assets. I was told once I was 50 % expunged I could no longer receive my assets and they would be sent to me in XXXX business days in the form of a check. I mentioned that this transaction seemed odd and Ive never had my information taken before. He then told me that I could go to the bank in person if I felt uncomfortable and I then decided I would just keep moving forward with the moving of money. I moved the money to XXXX XXXX and was told that a prepaid card would temporarily get sent to me while my account was expunged. I was given the info and told to add to my cash app so I could move the funds over. I was then told that they would waive the instant transfer fee and was told to give them the amount of the instant fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: CA

Complaint narrative:
On or about XXXX of 2025, Selene Mortgage failed to act fairly and reasonably by offering an inadequate loan modification that they knew would not create a sustainable payment and would likely place me back into default shortly after acceptance. Instead of providing a workable loss mitigation solution, the company offered terms that did not properly account for my verified income, household expenses, and long-term ability to maintain the loan. The modification offered did not appear to maximize payment relief or provide an affordable and sustainable solution as required by investor servicing standards. Key Issues : 1. Inadequate Payment Terms. The modified payment remained unaffordable based on the financial information provided to the servicer. 2. Foreseeable Re-Default Risk. The servicer knew or should have known the offered terms would likely cause re-default because the payment exceeded my documented ability to pay. 3. Failure to Properly Apply XXXX XXXX Guidelines. Since XXXX XXXX is the investor, I request confirmation whether the servicer correctly reviewed my loan under all available XXXX XXXX modification options, including Flex Modification waterfall calculations, interest rate adjustments, term extension, capitalization review, and principal forbearance considerations if applicable. 4. Lack of Transparency. The servicer did not clearly explain how the modified payment was calculated or what alternatives were reviewed. 5. Servicing Conduct Concerns. Rather than providing meaningful assistance to avoid foreclosure, the company placed me into a modification that was destined to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a new complaint regarding claim # XXXX. I purchased a video game console but I did not receive the item I ordered. I received the wrong product instead. After receiving it I immediately tried to fix the issue directly with the merchant. I contacted them multiple times by phone, email, and text during XXXX and XXXX but they did not respond at all. Because I could not get any response I filed a dispute with Capital One in XXXX. I was told the investigation would take about 45 days. During that entire time I still did not hear from the merchant and I did not receive any return instructions. After the investigation period I was given a temporary credit. At that point I still had no communication from the merchant. Much later, in XXXX, the merchant finally responded and asked for the item back, but by then I no longer had it because I had already gone through the dispute process and believed the issue was resolved after the investigation period and credit. The merchant also only provided a prepaid return label after a long delay and after the dispute timeline had already passed. Now I am also concerned that Capital One has removed the credit from my account again after already issuing it and after the investigation period had ended. This has left me without the item I ordered and without the funds that were temporarily credited. I am requesting that this reversal be reviewed and that the funds be returned to my account. I believe the claim was not fairly resolved because it did not fully account for the fact that I never received the correct item, the merchant did not respond during the dispute window, and return instructions were not provided in a timely manner. I am respectfully requesting a full review and that the original credit be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was the victim of a financial scam involving my account at Wells Fargo. On or around I was deceived into authorizing a transfer of approximately {$18000.00} to a third party based on false information and misrepresentation. At the time, I believed the transaction was legitimate, but later I realized I had been misled as part of a scam. After discovering this, I immediately contacted Wells Fargo to report the issue and requested a dispute. The bank opened a claim but later closed the case and denied my request for reimbursement and provisional credit. I respectfully request a full review of this case, as I believe I was a victim of fraud and was induced to authorize the transaction under false pretenses. I am also requesting reconsideration for provisional credit while the investigation is reviewed, as this would help mitigate the financial hardship caused by this situation.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I requested complete information regarding this collection account, including validation of the alleged debt and documentation verifying that the account legitimately belongs to me. Because this account is the result of identity theft, I also requested records showing how my identity was verified before the account was opened, assigned, or placed for collection. To date, I have not been provided sufficient evidence linking me to this debt, such as a signed contract, original application, proof of authorization, payment records, or reliable identity-verification records. Reporting or attempting to collect a debt caused by identity theft without adequate documentation is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Premier Auto Credit
State: CA

Complaint narrative:
ACCOUNT DETAILS Account Number XXXX Vehicle Description XXXX XXXX XXXX Amount Due Today {$560.00} Next Payment Due Date XX/XX/XXXX In XX/XX/XXXX, my vehicle payment with Premier Auto Credit ( approx. $ XXXX monthly ) was due on XX/XX/XXXX. Around that time, I experienced a serious family emergency that required me to travel to XXXX immediately. I drove my vehicle to XXXX to reach the airport in XXXX. Due to the emergency and my sudden departure, I was unable to maintain regular communication. My phone service was temporarily inactive, and I was also in a temporary suspension period from my employer, leaving me without any active income. During this time, I was unable to make the scheduled payment. I did not have any other financial resources available. then on XX/XX/XXXX i gave then a call about this and they said you can make a payment at XXXX was i already said no I have a familty inssues On XX/XX/XXXX, I received a phone call from the company. I explained my situation to the representative, but I was told they were not willing to consider my circumstances or provide assistance regarding the missed payment. During the call, I was also informed that the vehicle had been marked for repossession and that tracking information ( GPS ) was being used to locate the vehicle. I was told enforcement action would proceed despite my explanation that the vehicle is currently located on private family property in XXXX due to the emergency situation. I requested understanding due to my hardship, but the situation was not accepted or reviewed further from my perspective. They also told me that they would use the XXXX XXXX XXXXXXXX and the XXXX XXXX to recover the vehicle and that they could involve my family again. I want to make it clear that I am not trying to steal the vehicle or avoid making payments. I am currently going through a serious financial hardship due to a family emergency. I do not have sufficient income at this time, but I fully intend to pay the loan. I am only requesting additional time so I can gather the necessary funds and bring the account current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation