vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Identity theft to open credit accounts on my name. XXXX XXXX journey and Capitalone Creditwise sent me alerts that there have been multiple enquiries on my bureau. I just received another email from CapitalOne that my card has been shipped. Not sure where are such accounts have been created and where my identity is being misused. I am currently not in XXXX and have no XXXX phone number or physical address which is making it even more difficult to protect myself. Please help ;

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XXXX, I received a call from XXXX XXXX XXXX XXXX. I was told someone had used my card in XXXX fl for a {$370.00} purchase on XXXX and tried to take out a personal loan of {$2000.00}. They said I needed to lock down my account. XXXX the number and verified that it was the fraud departments number. When they sent me a code verification, it came from the same chat thread from XXXX XXXX for when I sign in and get the code for 2 step verification. Everything looked legit. They gave me a temporary password to access my account. They knew exactly what amount was in my checking. they knew all recent transactions, my name phone number mail, debit card number and last 4 of my social. They said I would need a new account and saw that my debit card was linked to my cash app. They wanted me to move my account to cash app while thy deleted my XXXX XXXX account and would send it toa new account for me. They stole {$4000.00} from me. I have filed a claim with cash app and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: OH

Complaint narrative:
My cash app card broke into pieces and I was having trdouble accessing my account because I couldn't rember my old email or number that went with the account because that's what they were requesting when I tried to get my money out, well I finally rembered both of those and I also linked another bank card from another bank that they requested I do and the only thing I I got was a receipt that for {$800.00} dollars saying it can't upload my funds. I gave been dealing with this all month long doing everything they requested and I don't know wha else to do now, so that's why I'm contacting you.t

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
CREDIT ACCEPTANCE CORPORATION XXXX Auto Loan Individual XX/XX/XXXX Repossession. {$13000.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX Status Updated {$12000.00} - 57 Months XX/XX/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 2026-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Augusta Collection Agency, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the improper reporting of a medical debt on my consumer credit report. The account at issue arises from medical services that should have been billed to my health insurance carrier. The balance was either subject to insurance coverage. Despite this, the debt was furnished to the credit reporting agencies as a collection account reflecting a balance allegedly owed by me. I disputed this account with XXXX XXXX XXXX and the XXXX XXXX XXXX, however the account was updated without any meaningful change or documentation provided to demonstrate that the amount reported reflects : -Proper Insurance Billing -Final Explanation of Benefits -Contractual Write Offs -Accurate Patient responsibility -Lawful Authority to Collect Medical debt reporting carries significant impact on a consumer 's credit profile. Reporting a balance that has not been properly reconciled with insurance adjudication is misleading and does not meet the standard of maximum possible accuracy required under the FCRA. Additionally, if the account was placed for collection prior to final insurance processing or appeal rights, the reporting was premature and improper.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: TX

Complaint narrative:
Title : Mortgage Transfer Payment Error and Payment Refusal Description : My mortgage loan was transferred to Selene Finance from the prior servicer. The prior servicer records show that my payments were made and properly applied. However, Selene Finance claims payments are missing and shows my account as delinquent. I have automatic payments set up through my bank. My bank attempted to make payments, but Selene Finance rejected the payments. I have documentation showing : Bank autopay payment attempts Payment rejection notices Prior servicer payment history I am willing and able to make my mortgage payments and remain current. Selene Finance has not corrected the transfer records despite multiple communications through the customer portal and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
AFFIRM INC WEVQXXXX Unsecured Individual XX/XX/XXXX Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. XX/XX/XXXX {$1100.00} XX/XX/XXXX.. {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Validation of Debt Request - SECURITY CREDIT SERVIC - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Two credit cards were opened in my name in XXXX. A XXXX XXXX XXXX XXXX. A capital one XXXX. They were used in XXXX XXXX XXXX XXXX. I am positive my mother opened them without my knowledge. I closed the card accounts. I need them removed off of my credit reports. As I did not open these cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I applied for credit card few weeks ago, they verified my information and sent me a credit card. I started using the card and they charged me {$95.00} card fees. Now the card stopped working even though I have enough credit. When I logged in my account it shows that the account is restricted. After calling them, they said they can not verify my mobile number ( Its the same number I have used to create the account and have been using for last decade ) They asked for other forms of identification which I declined because if they can not verify my mobile number I wont be able to use the card securely or change password securely as I wont receive any OTP or text notifications. I asked them to cancel the card since its not my fault they can not verify my number, the process which they should have completed even before sending the card and me using it. I specifically mentioned I will pay any credit amount that I used but not the {$95.00} fees they charged since its not my mistake their system is broken and without text notification my personal details are not safe with them. I believe this is fraud where they send you a card. Charge you for it and then declare you can not use it since your mobile number is not verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Block, Inc.
State: PA

Complaint narrative:
I was out in XXXX, I wanted to get a room for after I was finished my night out, considering home is rather far and I wasnt sure how much Id be drinking. However, I never stayed at the rental I bookeda family member ended up picking me up after I reported to the bar staff and other customers that I wasnt feeling too well. I ended up staying with my family member at their home, and did NOT go to the rental in which I booked for the nightI tried to dispute the service, however my bank keeps denying it stating that the merchant fulfilled the service, when that was not the case. I never stayed at this persons home, nor did I get the chance to step foot on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I moved into an apartment complex. I was approved to move in. I got approved while being on XXXX and also my partner being the other tenant having a job. I was on XXXX due to being let go due to XXXX XXXX out break at the time and working for a company with over XXXX employees in XXXX building. During my stay here I was struggled to pay rent due to my XXXX benefits running out and not being able to secure a job due to XXXX XXXX of XXXX. XXXX XXXX took both me and my partner to court due to outstanding balance of our backed up rent. We received a check under the financial hardship of covid and it covered the backed up rent. I spoke with the property XXXX and so did my partner she stated that we had till XXXX to move out in which I was moved out by XX/XX/XXXX. Which the date all parties involved agreed on. When moving out I had a balance of {$1100.00} for the month of XXXX and I was told I was charged for carpet fees which I Understood but when it was time to breakdown my itemized cost I accrued over XXXX and I had no idea how. They stated they prorated me a credit of {$40.00} for the month of XXXX because I left my keys at the office when no was there and they didn't receive the keys till the XXXX. Which wasn't my fault I had finished moving out on the XXXX after there office hours. They confirmed with me via email the keys were returned. They stated that system was going to credit me XXXX charge but I never received an itemized receipt. Because I wanted a break down of every charge. They never sent that to me via email. I also paid them a {$250.00} deposit which should have went to that carpet fee. I should have only owed them {$1100.00} plus {$520.00} minus security deposit which would have been {$1400.00}. Where did they come up with {$2900.00}. I made a payment of $ XXXX years ago because that's all I could afford. I have been unable to rent a place due to what this debt shows up on my credit report. I need to understand all charges of this debt and I have so many emails asking for an explanation years ago and never received XXXX with an itemized receipt.

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 2026-03-01 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: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Central Research Inc
State: FL

Complaint narrative:
I completed the Total and Permanent XXXX Request paperwork provided, and after a long era of communication and documentation and waiting and phone calls I received multiple communications regarding loans that say " XXXX, your permanent XXXX request was approved by our claim administrator, XXXX XXXX XXXX XXXX and the current balance was waived. " We know that your situation can present many challenges, and hope this relieves some of your financial burden. '' It was a moment of relief and an opportunity to try to direct my attention towards my health, which is still going very poorly. I am in XXXX XXXX every day. I have now gone into default because XXXX of student loans somehow did not get communicated to the lender, who I have been advised is now : Central Research Inc. XXXX XXXXXXXX XXXX I am in DEFAULT for these loans but ALL the others do not even show in my dashboard history. I have made SO many calls over the years, making sure I was compliant and effeciant and complete in my efforts. Can someone please help me to get to the bottom of this mess and help me to please resolve. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: VA

Complaint narrative:
On my credit report for not paying that lower my payment that does not late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am receiving repeated phone calls from multiple phone numbers regarding a debt that I do not believe I owe. I have also been receiving collection letters weekly. The frequency of these calls and letters feels excessive and harassing. There is an account listed on my credit report from Midland Credit Management stating that I owe {$840.00}. I am not aware of this debt and do not owe {$840.00}. I believe this account may be inaccurate or the result of misuse of my personal information. I am requesting verification of this alleged debt and for the calls and collection attempts to stop unless proper documentation can be provided proving the debt is valid and belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Agreement # XXXX After I got my repossessed last year I've been trying to make automatic payments to the company but they keep making difficult. I called to set up payments. At first it started at XXXX a month shortly after the first payment they said one of their employees messed up on the paperwork. Then I went online to set up payments myself and the lowest option was XXXX a month, shortly after the payment they canceled the auto pay option for my account. I went online and it still showed that it was still scheduled for payment.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
I am filing this complaint against Block , Inc. due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: KS

Complaint narrative:
US Bank stated that I did not have an account I did have a business account called XXXX XXXX XXXX, XXXX and requested all document information on this account and all the deposits and withdrawals that the processor had access to my account at US Bank XXXX XXXX XXXX XXXX XXXX Ks. XXXX. The account was only open for XXXX month XXXX XXXX unit Case # XXXX and Case # 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