vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV ( Original Creditor : XXXX ) - XXXXXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NJ

Complaint narrative:
CS JEFFERSON CAPITAL SYST Balance {$1200.00} 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 — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: CA

Complaint narrative:
I opened a CashApp account for my family reunion and was told the account was closed. This was quite embarrassing given the reason for setting up the account. Then they allowed me to completely set it up online, link my bank to a new account, only to be unable to use it. Apparently, this was for an old account, for which I never got a reply, and the representative could not give me any details and suggested I appeal, so I did. Since I have no clue as to what activity violated their Terms of Service, and no clue as to what was reviewed. So what this means to me is that the account was closed at there descession and they do not intend to tell me what was violated. So I have not been given any clear explanation for their decision. This puts us right back at the beginning, when I first asked why it was closed with no understanding as to why. Whether the account would be reinstated or not, or if they refuse to explain their review process. I would still like to know what the violation is. What I received was the runaround ; this has been a waste of time with no customer service offered from a company that says customer service is important.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Ever since we got the mobile home we've been having issues The first day we tried to get ready to move in the AC did not work they had to call AC guy to fix it AC went out again I called XXXX times and the guy that does the repairs called me a liar I do not want them at my house because he won't fix anything the right way

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: RI

Complaint narrative:
Complaint Against Dividend Finance XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint regarding a solar financing loan that I believe was processed without my informed consent and without proper disclosure. In XX/XX/year>, my husband and I agreed to a solar installation contract that listed XXXX XXXX as the financing company for approximately {$56000.00} at about 3.99 % interest. At no point were we told the financing would be changed to Dividend Finance at a much higher interest rate. I was never clearly informed that the financing had been changed to Dividend Finance at approximately 7.99 % interest with payments around {$600.00} per month. I would never have agreed to increase the interest rate in order to supposedly save {$6000.00}. That makes no financial sense and was never explained to me. The salesperson, XXXX XXXX, handled all communication. No representative from Dividend Finance ever contacted me to explain the loan terms, verify consent, or review the payment obligations. I never received a proper loan walkthrough or clear disclosure of the change in financing. I also have serious concerns about the documentation. Some documents appear to have been electronically signed without a proper explanation. One document even appears to show my signature placed under a notary section that was never notarized. Additionally, the solar system has had operational and communication issues with the battery system and I was never properly instructed on system setup, XXXX connection, or operation. Despite repeatedly requesting documentation and explanations from XXXX XXXX, XXXX XXXX, and Dividend Finance, I have not received clear answers. Meanwhile Dividend Finance withdrew {$600.00} from my bank account through ACH, even though I am disputing the loan and do not believe I knowingly consented to these terms. I believe this situation involves misrepresentation of financing terms and failure to provide proper consumer loan disclosures. What I want : Immediate investigation of this loan Suspension of payments while the dispute is investigated Full documentation of how this loan was approved and signed Correction or cancellation of the loan if it was processed without proper consent This situation has caused significant financial and emotional stress and I am requesting regulatory review of these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
My daughter purchased a car and she asked me to co sign for her so I did, she had an accident and the vehicle was totalled lost and the insurance paid for, but for some reason an {$5.00} its been on my credit report, I tried calling wells Fargo telling them I do not own this amount but no luck.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OK

Complaint narrative:
This is in regards to my previous complaint. Complaint Against Cash App Failure to Properly Investigate Fraud Claim and Provide Means to Submit Evidence I am filing this complaint because Cash App failed to conduct a reasonable investigation into a scam transaction and repeatedly prevented me from submitting supporting documentation, while later falsely claiming that I did not respond to their requests. Transaction Details On XX/XX/XXXX at XXXX XXXX EST, I sent {$30.00} to XXXX XXXX XXXX XXXX for goods that were never properly provided. On XX/XX/XXXX at XXXX XXXX EST, I sent an additional {$160.00} to the same account for the same transaction. Total amount lost : {$190.00}. The goods I paid for were not delivered as agreed and were misrepresented, constituting fraud. My Dispute Attempts On XX/XX/XXXX ( XXXX XXXX and XXXX XXXX EST ), I initiated disputes for both transactions. I repeatedly contacted Cash App Support and explained that I had been scammed and had photo evidence and documentation to submit. On XX/XX/XXXX, I contacted support via Live Chat and was told my disputes were non-actionable but that I would receive a follow-up email to submit documentation. I did receive follow-up communication, but when attempting to provide the requested information, I was unable to successfully submit it due to system issues and lack of a functional method to upload evidence. On XX/XX/XXXX, I contacted support again and was told another follow-up email would be sent requesting documentation. Again, I attempted to comply but was not provided a working process to actually submit my evidence. Cash Apps Response Misrepresents the Situation Cash App later claimed that I did not respond to their requests for information. This is inaccurate. I made multiple good-faith attempts to provide additional documentation and repeatedly asked how to submit my evidence. Instead of assisting, Cash App : Sent generic instructions, Directed me back to in-app reporting tools that did not function, Closed the complaint without allowing me to submit evidence, Failed to conduct a meaningful investigation. Key Issue Cash App is treating this as a simple authorized payment dispute while ignoring that this was a fraudulent transaction induced by misrepresentation, and they failed to provide a reasonable mechanism to submit supporting documentation despite repeated requests. A financial services company has an obligation to : Conduct a good-faith investigation, Provide a functional method for consumers to submit evidence, Not close cases based on procedural barriers they created.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this rebuttal because Apple Cards responses have failed to address the substance of my complaint. Apple Card ( issued by Goldman Sachs Bank USA ) reduced my credit limit based on information that was later proven to be inaccurate and removed from my credit report. I provided confirmation that the credit reporting error was formally disputed and corrected. However, in both CFPB responses, Apple Card has refused to restore my limit, stating that the denial is due to the recent credit limit decrease. This explanation is circular and avoids addressing the original cause of the decrease. The decrease occurred because of inaccurate credit reporting. Now that the reporting error has been corrected, continuing to rely on the prior decrease as justification effectively perpetuates harm caused by false information. At no point has Apple Card : Conducted a documented re-evaluation based on my corrected credit profile Identified any current negative factors supporting the reduced limit Provided evidence that my present creditworthiness justifies the continued restriction Instead, they are relying solely on the existence of the prior reduction, which itself was triggered by incorrect data. This raises serious concerns about : Whether a new underwriting review was actually performed Whether corrected credit data is being meaningfully considered Whether adverse action is being maintained without a valid present basis The reduced limit continues to negatively impact my credit utilization and financial flexibility despite the underlying reporting issue being resolved. I am requesting that CFPB require the issuer to : 1. Confirm whether a new credit review has been performed using corrected credit data. 2. Identify all current factors supporting the continued reduced limit. 3. Restore my previous credit limit if no legitimate present underwriting concerns exist. If the issuer is unwilling to reinstate the prior limit, I request documentation showing the specific current credit factors that justify maintaining the reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am disputing the accuracy, validity, and legal ownership of a debt being reported on my credit report by this collection agency. I requested debt validation and verification of this alleged debt, including proof of legal obligation, proof of ownership, itemized accounting, and documentation showing authority to collect. The company has failed to provide proper verification or legally sufficient documentation. Despite this, the debt continues to be reported to credit bureaus, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is causing financial harm and interfering with my ability to secure housing and financial services. I am requesting : XXXX. Immediate validation with legally sufficient documentation, or 2. Immediate deletion of this account from all credit reporting agencies XXXX. Written confirmation of the action taken If the debt can not be properly validated, continued reporting constitutes unlawful collection activity.

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

Complaint narrative:
On XXXX and XXXX I sent certified letters cease and desist asking for proof no billing statements or internet copies. Chain of assignments they keep sending calling emails without proof they own any debt from the poli of bad debts. Continue to harass and commit fraud. Alleged debt is not mine never had a card with the original creditor Cease and desist

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: Kriya Capital, LLC
State: GA

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 non-monetary relief
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: I.C. System, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INCXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - ONLINE INFORMATION XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX It was a XXXX order for {$15.00}, they took XXXX, I called and asked why, they said it was a hold and will be lifted XX/XX/XXXX and reversed, only for me to wake up and find out they never returned it and there is no traces of this transaction anywhere, now they are saying it auth hold again thats why there is no traces, there is transaction id

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: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: RI

Complaint narrative:
First Charge : {$1000.00} XX/XX/XXXX ( XXXX yrs XXXX mos ) Second Charge : {$1800.00} XX/XX/XXXX ( XXXX yrs XXXX mos ) Third Charge : {$1000.00} XX/XX/XXXX ( XXXX yr XXXX mos ) Fourth Charge : {$1800.00} XX/XX/XXXX ( XXXX yr XXXX mos ) These accounts are open, especially the last XXXX when I wasnt enrolled in school and when I was enrolled in school, I paid my student loans upfront. So these on wanted student loans have been hurting my credit and I wish I can hopefully remove them.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX which I believe was a Sat I called Wells Fargo to see how much my monthly payment would be if I charged {$12000.00}. The rep sent me to another rep who asked me if I knew that I had a balance transfer on this card I said no. He said would you like to get a balance transfer, the fee will be XXXX. I was very confused and didn't even have a MERCHANT for this charge, so on Monday morning I went to bank, which wasn't even a full XXXX BUSINESS day and said I changed my mind. The banker reverse the charge but did not reverse the fee. I've been back and forth on this, I'm very upset. It doesn't make sense if there isn't a merchant, I have no one to call. If Wells Fargo reverse the XXXX grand surely they can reverse the fee. I have a payment due on XX/XX/XXXX, I'm not paying this. The rep XXXX XXXX is very ignorant and very rude, I have excellent credit and this better not ruined it. I'm tired of going back and forth with these people. Please make them reverse the fee. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
Venmo froze my account for what reason they did not state. They asked me to send information to verify who I was which I did. After XXXX days they closed my account and said I can't access my money for 180 days. This is complete nonsense its my money I had no chargebacks or fraud of any kind. I need my money I am not some XXXX dollar company that can just wait XXXX months. They are holding my money for know reason and from situations I have read about after this occurred they try to take the money and not give it back. I need the immediate release of my funds which are being held for no apparent reason and they will try to just keep it this is absolutely ridiculous and unfair from Venmo.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I received this letter in the mailbox XX/XX/year>. The letter appears to be dated XX/XX/year> ... has reference # XXXX from some debt collector names XXXX XXXX XXXX XXXX XXXX The company they are disputing for shows Capital One, NA. I have no contact with Capital One, NA. I never received bills from Capital One, NA. It shows I owe {$2000.00}. They have in comments to resolve for {$800.00} by XX/XX/year>. I fully disagree since this is NOT my debt and never obtained it nor signed of with Capital One NA to create an account as a creditor with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Citibank ( Citi ) on my credit reports with XXXX XXXX XXXX XXXX Citi is reporting a 30-day late payment on my loan ; however, the payment in question was made on XX/XX/XXXX, with a contractual due date of XX/XX/XXXX. The account was paid before advancing to a subsequent billing cycle and before reaching a reportable 30-day delinquency status under standard credit reporting practices. The account did not roll into a 60-day delinquency, and this payment was the final payment on the loan. Citi 's reporting does not clearly reflect whether the account ever officially reached a reportable 30-day delinquency status based on its internal billing and reporting .The account was. Paid off on XXXX and still reporting as late in 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