vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was defrauded by a seller ( and XXXX 's others ) on XXXX for the purchase of supplements. She promised delivery of supplements in XXXX XXXX and then disappeared with all the funds. I later contacted my Bank US Bank for a dispute and explained what had happened, but my claim was denied. I sent the seller on XX/XX/XXXX {$250.00} through XXXX and never received my product. I later called my bank XX/XX/XXXX and explained the fraud yet my claim was denied in writing. My bank is US Bank https XXXX XXXX I sent payment through XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I responded to a {$400.00} promo offer for opening XXXX account with American Express by a certain date. Followed all terms precisely, there is no debate about that on their end. Still have the account open. They never credited the {$400.00} to my account. Called them more than once, finally got 'up the ranks ' to someone who said I must send a letter. Did so XX/XX/year> including all evidence ( incl screen shot of the offer I'd accessed in case this very thing might occur ), and requesting written confirmation of letter receipt, which I did receive back. Nothing happened and silence. Sent second letter XX/XX/XXXX, again including all evidence, and requesting confirmation of receipt. This time no response. They are playing games, saying I didn't click on the correct link to get the promotion, but that was how I started the account opening process in the first place. The timing, deposit amount, etc make that abundantly obvious. It was a targeted promotion ( I was probably logged in, hence the targeted aspect ). Giving them benefit of the doubt, there may have been a tech glitch, which they would surely say is " impossible, '' but that's not my problem. If there was a glitch in my connection, and I restarted the process, which I don't recall happening, that should not be cause for denial of the bonus. They denied all such possiblities during phone calls. They owe me this {$400.00}, on which I have now lost XXXX interest for nearly a year ( account was opened XX/XX/year>, and bonus was to be applied after 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
A payment was " CANCELED and Deleted '' on XX/XX/year> for {$1000.00} to XXXX XXXX the process was assisted by Bank of America XXXX XXXX XXXX and with the assistance from the Branch Bankers and was assured that there was enough time to STOP PAYMENT, since the payment was NOT scheduled for posted deliverer on XX/XX/XXXX. XXXX. on XX/XX/year> Bank of America iT Employee disregarded the " DELETED PAYMENT '' and violating compliance procedures and did not complete as instructed and without good faith return the {$1000.00}, this Bank of America iT Employee violated my TRUST and needs to be " Disciplined '' because this is the second {$1000.00} payment that they has " Recklessly Transfered Money '' against my instruction and " Disregarded Banker Procedure 's '' this iT Employee appears to be " working for individual profit and or Gain '' and must be getting paid much more to blatantly disregard Banking Rules! I have requested twice to NOT allow this iT Employee to work on my accounts and to AUDIT my account and the return of the DELETED Payment of {$1000.00}

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 2026-03-07 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: MA

Complaint narrative:
On XX/XX/year> I attempted to transfer {$100.00} from my Cash App balance to my bank account, but the app reported a connection error. The {$100.00} disappeared from my Cash App balance and never reached my bank. I contacted Cash App support ( Case XXXX XXXXXXXX ), but the funds have not been returned. In addition, my Cash App XXXX and deposit functionality have been suspended for months without explanation, and my account is now declining incoming payments. Cash App closed my support case without resolving the missing funds or explaining the restrictions on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I never had an issue with my Robinhood XXXX Credit Card ever until recently when i filed a fraud claim and a few disputes for things I did not receive or purchase. I was down sick with covid for months and noticed a lot of charges for things i did not authorize. So i filed the disputes and fraud was given credit for it and everything was fine for next week or so. I used my card for XXXX and few stores and food etc and then last night on XX/XX/year> was the last time i was able to use my card. I woke up XX/XX/year> and they sent an email stating " Notice about your Robinhood XXXX XXXX account Unfortunately, we've decided to close your account ''. I was shocked and confused and this was after i always pay on time and even just paid there yearly XXXX dollar fee for the card. So I checked online and alot of people have had this happen after they dispute or report fraud. Which is unjust and uncalled for to have my account closed abruptly with no warning and never once did i ever fail to pay a payment. I spoke to there customer service which is as far as i can tell just a text app with Ai or robot answering with general answers then after awhile they just kept closing the chat and refuse to fix the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing an account reported by Jefferson Capital Systems on my credit report. I do not recognize this debt and have not received proper validation of the alleged obligation. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt including the original signed agreement, complete payment history, and documentation proving Jefferson Capital Systems has the legal authority to collect this debt. Despite the lack of proper validation, this account continues to be reported to the credit bureaus which is damaging my credit profile. If Jefferson Capital Systems can not provide sufficient documentation verifying this debt, I request that the account be permanently removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: NJ

Complaint narrative:
I am a borrower with over 25 years of repayment history, and I am formally disputing MOHELAs documented failure to timely process my IDR Account Adjustment. Despite my clear eligibility, MOHELA representatives provided misleading information that delayed my discharge into the 2026 tax year, after the federal tax exemption under 26 U.S.C. 108 ( f ) ( 5 ) expired. I am a member of the class of borrowers harmed by the systemic servicing failures identified in XXXX v. MOHELA and the AFT v. MOHELA litigation. This servicer-driven delay has created a substantial and foreseeable federal tax liability for which I am holding MOHELA liable under the New Jersey Student Loan Bill of Rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NRA Group, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding collection accounts being reported on my credit report by XXXX XXXX XXXX and NTL Recovery Agency for an alleged medical debt of {$1400.00}. These accounts do not belong to me and I believe I am a victim of identity theft. I did not open, authorize, or agree to the alleged debt being reported. I disputed the accounts and requested verification from the companies reporting them. The only documentation that appears to exist is a medical billing statement from XXXX XXXX XXXX XXXX XXXX that lists XXXX XXXX XXXX, XXXX as the current creditor. This document does not demonstrate that XXXX XXXX XXXX or NTL Recovery Agency have the legal authority to collect or report the alleged debt. Despite my disputes and requests for verification, the companies have failed to provide competent documentation proving that I authorized or am legally responsible for the alleged debt. No signed agreement, application, or documentation showing a valid chain of assignment to the companies reporting the account has been provided. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ) ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy and conduct a reasonable investigation when disputed information is reported. Because the companies have failed to provide proper verification and I have reported that this account resulted from identity theft, the continued reporting of this account is inaccurate and harmful to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: PA

Complaint narrative:
I had a payment due XX/XX/year> and spoke with XXXX customer service representatives to confirm. Today, without my knowledge or consent, I received a first letter putting my loan into forbearance. Then a second letter saying that they could not put my loan in forbearance, yet my loans are once again put in forbearance without my knowledge or consent. I do not give consent for my loans to be in forbearance yet Mohela continually puts them back into forbearance. This is causing me financial damage, as I am not able to make the appropriate payment on my loan and work toward PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
This company keeps calling me and when I ask what its about, they wont tell me full details until I confirm my last XXXX of social security number and I refuse to do that with all of these scammers out here. They never try to contact me through mail with any information about this debt. I dont even know who or what the debt is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
XX/XX/XXXX I purchased a vehicle and got a loan from credit acceptance the loan was like XXXX I believe the vehicle online was {$7000.00} when I got there, they added the XXXX more dollars for a lot of miscellaneous things, XX/XX/XXXX, so that's about XXXX years worth of payments. Is when we had the wreck in the vehicle insurance totaled the vehicle out and paid it off, so there's no balance left over from paying off the vehicle, it was completely paid off, but they told me that i owed XXXX they have it on my credit report. So I would like to know why they are trying to get paid twice for the same vehicle.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I had received {$7000.00} in the form of XXXX separate physical checks, each of {$3500.00} and have deposited them through the mobile app while they were on hold I wasnt given access to them, and then I was informed abruptly that my account was being closed with no warning until I physically called. The checks went through. They said they needed more information to verify the checks I gave all the information possible and my money is still on hold along with {$970.00} worth of my own personal money the checks were for a construction job. It was my first time depositing checks through the mobile app. The company does not want to give me information about when I will receive my money and I closing my account. The checks were deposited on XX/XX/XXXX. It is XX/XX/XXXX and they have yet to make my money available.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Account XXXX & XXXX # XXXX XXXX unaware of this debt amount of XXXX and did not have the opportunity to dispute this amount. If you believe you transferred proper notifications please provide certified mail with receipt displaying my signature. If not please deactivate account # XXXX as soon as possible from my report or I will take legal action.

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 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding financing provided by Covered Care for cosmetic procedures performed at XXXX located at XXXX XXXX XXXX XXXX, XXXX, Florida. The procedures included XXXX, XXXX, XXXX XXXX XXXX ( face and neck ), and XXXX. Following these treatments, I experienced facial injuries including burns, scarring, and hyperpigmentation which have caused significant physical and emotional distress. I have serious concerns about the circumstances under which these services were provided. I was not given proper orientation or informed consent before the procedures. I was asked to sign documents while already on the treatment bed and while the procedure was being performed. During the treatment I complained about significant pain and was told by the esthetician that the stronger the treatment, the better the result, encouraging continuation of the procedure despite my discomfort. I was also asked to post positive reviews after expressing concerns. I was never provided with a full service agreement or informed consent documents explaining the risks of the procedures. The only paperwork I received was financing documentation. I attempted to obtain my patient records from XXXX through emails sent on XX/XX/XXXX and XX/XX/XXXX, as well as several phone calls. I also sent a certified letter requesting records on XX/XX/XXXX but have not received a response. Because of these issues, I have formally disputed the charges with Covered Care and requested that the account be placed in dispute status while the matter is investigated. I am requesting that Covered Care investigate the merchant and ensure that the account is handled appropriately while this dispute is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EdFinancial Services
State: TX

Complaint narrative:
In XXXX 2024, as the XXXX XXXX XXXX ended. I set up an Autopay request as it was coming due and going forward. My assumption being it was taken care of until the life of the loan was complete. In XXXX I was alarmed to get a notification that I was 90 days late. I quickly checked and saw that my Autopay was not in place. I immediately called and was told that Autopay could take up to 30 days to be put in place ( No where was I warned of this ) and that if a payment was to be drafted and no card was there it would automatically shut down. To compound the problem emails were sent to the school address that I no longer had access to after graduation, and letters were sent to an old address ( our house was destroyed in a collision and we moved 6 times over the next 3 years. All temporary addresses as we fought with the insurance company over damages ). If I had gotten even a 30 day notice on my credit report I would have corrected it immediately, but was told that didnt have to report until 90 days late. This has had a devastating effect on my credit. Even though my payment history was immaculate before and after the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MN

Complaint narrative:
My phone and wallet case were stolen, and the person who took them used my phone to access my Chime account and initiate unauthorized electronic fund transfers. Funds were transferred from my Chime account to XXXX XXXX and then moved to a bank account that does not belong to me. I did not authorize these transactions and did not benefit from them. I reported the unauthorized activity to Chime promptly after discovering it and provided a police report documenting the theft. Despite this, Chime denied my dispute. Under Regulation E of the Electronic Fund Transfer Act, consumers are not liable for unauthorized electronic fund transfers when they are reported promptly. I am requesting that Chime conduct a proper investigation under Regulation E and reimburse the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
I am formally disputing the XXXX account reporting on my credit file with a balance of {$5000.00} and listed as an open account. I have no contract, agreement, or business relationship with this company and did not authorize this account. This account appears to be fraudulent and does not belong to me. I request that this account be immediately investigated and that XXXX provide verifiable documentation showing a signed contract or agreement bearing my authorization. If the furnisher can not provide documentation proving that I entered into a valid contractual obligation for this account, the tradeline must be removed from my credit report in accordance with the Fair Credit Reporting Act. Please conduct a full reinvestigation and delete this fraudulent account if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, California Bankruptcy XXXX XXXX XXXX XXXX all of my student loan debt held by theXX/XX/XXXXdue to hardship after an adversary hearing for my Chapter XXXX bankruptcy. Out of the XXXX loan servicers I had, only XXXX, Nelnet, continues to not comply with this court order, and continues to report validity and increasing balances to the credit reporting agencies, XXXX months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My Citi credit card account had a strong payment before this issue. A replacement card was issued after, but it was mailed to an incomplete address, missing my apartment number. Because of this error, I never received the replacement card, statements, or delinquency notices, and the card was never activated. Citi representatives confirmed the account has no transactions, and the card was never used. During my recent call with Citi, they updated my address and acknowledged the error, which I explained was a servicing mistake. Despite this, late payments were reported to the credit bureaus. I spent several hours speaking with multiple representatives and a supervisor, requesting that the credit reporting be corrected, but this never occurred. Citi acknowledged the address issue but refused to correct the late payment reporting, and keeping my account open was caused by notices being sent to the incomplete address. I do not know the account number or card number because I have not received the information.

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 2026-03-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I received a letter from the school about a debt of {$99.00} on XX/XX/year>, and immediately wrote back asking what is it for. Then on XX/XX/year> I was written back with just another collection paper and no information.

Company response to consumer: Closed with explanation