vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am requesting a review of finance charges assessed on my credit card account with Comenity Capital Bank. XXXX finance charges were applied : {$12.00} on XX/XX/year> {$25.00} on XX/XX/year> These charges resulted from a total underpayment of only {$0.00} across XXXX billing cycles ( {$0.00} on one statement and {$0.00} on another ), which was an unintentional error. I have otherwise consistently paid my statement balances in full and maintain my account responsibly. As soon as I became aware of the issue, I immediately paid the entire account balance to {$0.00}. I attempted to resolve this directly by contacting customer service multiple times, including speaking with a representative and a supervisor, and by sending secure messages. However, I was directed back and forth between phone support and secure messaging, with each indicating they were unable to assist. I understand the charges may be technically correct under the agreement, but I am requesting a review given that they resulted from a minimal payment discrepancy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
I have had this loan since XXXX or XXXX. I began paying on this loan in XXXX. Over the years, I called XXXX several times to ask about my payment options. My loan is now serviced by Mohela. The only option they would provide me is standard repayment OR a forberance. It was until XX/XX/XXXXXXXX when they offered me a 6 month temporary rate reduction ( once all the lawsuits were filed against them. ) On XX/XX/XXXX, I asked how my payments were allocated because I have made {$12000.00} in payments on a {$10000.00} loan but still owe over {$20000.00}. Attached you will find their response. They told me that every time I had a forbernace, it was capitalized. I believe that they used predatory tactics to get me to agree to the forberance and dismissed my other options. Can a transcript be provided of each of my calls in which I asked about my options and they only allowed the forberance? This was a deceptive act because my loan terms advertised other options. Now I am stuck with this mountainous loan that will never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account reported on my credit file by XXXX XXXX related to HOA ( condominium ) fees. This account was paid in full on [ XXXXXXXX XXXX XXXXXXXX ], and I have attached proof of payment. Despite this, it continues to be reported as an active collection account on my credit reports with XXXX and XXXX. This is inaccurate, misleading, and a violation of the Fair Credit Reporting Act ( FCRA ), as the account no longer represents a valid outstanding debt. I am requesting a full investigation into this matter. If the account can not be properly verified as currently reported, it must be deleted from my credit reports immediately. Additionally, since the debt has been satisfied for over a year, continued reporting as a collection is unfairly damaging my credit profile. I am requesting the complete removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
Approximately Aidvantage has provided wrong information, continuously applied payment wrong after instructed on how I wanted payments applied, rude, and poor customer service. When my wife explains in detail as to how payments are to be applied, they seem confused. I am totally confused myself to this day as to on how my account is being handled in regard to interest or where my money is going. They say they will fix account but never do and never call me when then say they will. Its been a nightmare since i dealt with this servicer. I'm so stressed and confused, both me and my wife. Every time we call to make a payment, its a total nightmare. I need help on correcting my situation. It appears Aidvantage just simply does not listen or care. One other issue is my wife is on my account and pays the bills. She is my wife with all my information from card number, ssn number and knows all about me for thirty years but they refuse to take payment, talk to her unless I'm present.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
Please reference XXXX XXXX and XXXX. This is a continuous of 2 Consumer Financial Protection Bureau cases that were closed unsatisfactory. CashApp only provided vague and general statement and lied about transaction disputes that I NEVER made. I reject CashApp 's response. The have again refused to specify why my account was disabled and they hide behind the vague claim that I violated their Terms of Use, which I vehemently deny. None of my transaction were illegal immoral or unethical. There is no transaction in my history that would have violated any terms of use. Since they will not specify the transaction I made, I must believe that they cancelled my account because of my XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
For 17 years I keep getting calls from collection agencies about an old HSBC card. I had one card and it was closed in good standing and I have a letter that states as such. This newest company has called my XXXX parents my EXHUSBAND whom I have not been married to in 15 years, my boyfriend, my boyfriends XXXX parents and continues to call me 7 - 8 times a day. I have already expressed to them that they have incorrect information. The name on file I have not used in 14 years and the address they have is over XXXX XXXX XXXX. I have requested the cease and desist any further communication tactics and they continue to call and threaten to send a process server to my home and business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
this account been on my account for over seven years which pass the laws of section 605b of the fair credit reporting act

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Acima Lease is the original creditor. I was contacted by a thirdparty company calling XXXX XXXXXXXX, which claimed to be a processing company for a network of attorneys. Their representative stated they did not have information about my location, even after I told them my current residence. The representative from XXXX was extremely aggressive and stated they were filing a claim to be released to my county ( XXXX ) to take me to court. When they contacted me about the alleged debt, I requested proof of payment history and documentation. They refused to provide any written validation. I asked for their company website or physical address, and they stated they do not have one, do not advertise, and do not provide an official address. They claimed they only record keep evidence and file documents on behalf of attorneys in their network. This occurred on XX/XX/year>. The number XXXX used to contact me was ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AL

Complaint narrative:
Validation of Debt Request - MIDLAND CRED XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I'm filing this complaint because SoFi Bank failed to conduct a reasonable investigation under the Electronic Fund Transfer Act and Regulation E. Furthermore, SoFi Bank provided demonstrably false information to the CFPB to justify closing my previous complaint regarding this exact transaction. On XX/XX/year>, my household was the victim of a sophisticated social engineering scam that resulted in a fraudulently induced, unauthorized transfer of {$1000.00} from my SoFi checking account. The scammers utilized spoofed XXXX emails and a fake support hotline to trick us into initiating the transfer. I immediately reported the fraud to SoFi. SoFi denied my initial claim and my subsequent appeal. In their official, written response to the CFPB regarding my previous complaint, SoFi explicitly stated : " We advised you that this matter falls under a civil dispute between you and the merchant. It is important to note that when you dispute a XXXX transaction, it is between SoFi and XXXXXXXX XXXX XXXX' Because SoFi blamed XXXX, I formally requested a copy of the documents SoFi used to make their determination, which is my right under Regulation E. SoFi recently provided a single page internal ledger document. This internal document proves that SoFi submitted a false statement to the CFPB. The document clearly lists the {$1000.00} transaction as a native SoFi " XXXX XXXX XXXX transfer. The word XXXX does not appear anywhere on their internal investigation document, and XXXX 's payment network was never utilized to move these funds. The transfer was conducted entirely within SoFi 's own platform. This discrepancy proves SoFi 's compliance team did not actually review my account ledger. Instead, they relied on a boilerplate rejection based on the scammers ' spoofed emails rather than investigating the actual payment rail used. Because SoFi failed to identify or investigate their own native transfer platform, their investigation was entirely negligent. I am requesting the CFPB investigate SoFi for providing false regulatory responses and compel them to conduct a factual investigation into this fraudulently induced transfer on their native platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NJ

Complaint narrative:
In XX/XX/year>, my Cash App account was permanently closed on allegations of activity that violated the companys Terms of Service. I was not provided with any specific details or evidence regarding the alleged violation. I submitted an appeal to Cash App shortly after receiving the closure notice. On XX/XX/year>, I received a response from Cash App Support stating that my appeal had been reviewed by their specialty team, but the decision to permanently deactivate my account would remain in place. The message indicated that the decision was final and that no further review or escalation would be possible. I have been a long-time and consistent Cash App user who has always used the platform responsibly. I have also referred others to use their services and have had no prior issues. I believe my account was wrongfully closed, and I have requested clarification and evidence supporting the alleged Terms of Service violation. Despite my request, I have not received any specific explanation or documentation from Cash App to justify the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Servicer under contract with Federal Student Aid
State: LA

Complaint narrative:
Hello, my XXXX parent plus loan was approved on the XXXX of XXXX. I called the school along with my mom about this matter on the XXXX of XXXX, once I noticed the school hadnt processed the approved loan. They told me it would take up to 10 days to fully process everything. After 10 days nothing still. We reached back out on the XXXX of XXXX. Same thing give them a couple more days. We reached back out on the XXXX of XXXX. We were then told to contact the XXXX XXXX campus. I explained that all financial services are done through the main campus. But, we agreed to contact them, so the representative provided the numbers. We called the XXXX XXXX campus. They told us to contact a Ms XXXX at the XXXX campus, because she is the one who is over the financial aid. Okay. We reach out to XXXX XXXX through the number provided and we got a voicemail. We left a message voicing our concerns. No response. We reached out to XXXX XXXX again on the XXXX of XXXX. No answer, we got a voicemail. We left a message, voicing our concerns. Still no response. We than reached out to the financial aid service again at Louisiana XXXX XXXX XXXX today, and was told nothing again about the Parent Plus Loan. Last year they did the same exact thing with my Parent Plus Loan. Louisiana XXXX XXXX XXXX didnt process my loan last year and they are trying to do the same thing this year. Not sure why, but I do know this is unethical and it needs to be addressed. Thank you for your time. This is why I believe no school should have the authority over loans that we as students and parents have to pay back. It should be a separate entity from the school. They shouldnt have this much power over money they are not entitled to pay back.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I am filing this complaint to establish a formal record regarding Velocity Investments , LLC, XXXX XXXX XXXX, XXXX, NJ XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me via letter that my account ( # XXXX ) was sold and assigned to Velocity Investments , LLC. As of today, XX/XX/XXXX, I have received no communication whatsoever from Velocity Investments , LLC no initial notice of debt, no validation notice, no correspondence of any kind. Under the FDCPA 1692g, a debt collector is required to send a written notice to the consumer within 5 days of the initial communication, containing : The amount of the debt The name of the creditor A statement of the consumer 's right to dispute the debt within 30 days Velocity Investments , LLC has failed to provide this required notice. Despite this failure, this account may be appearing on my credit reports, which would constitute a violation of the FCRA. I am requesting the CFPB : Investigate whether Velocity Investments , LLC has complied with FDCPA initial notice requirements Determine whether Velocity Investments , LLC is reporting this account to any credit bureau Compel Velocity Investments , LLC to provide proper validation notice or cease all collection and reporting activity Supporting Documents Available : Upgrade letter confirming sale to Velocity Investments , LLC ( XX/XX/XXXX ) Credit report data showing tradeline ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: IA

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt that you claim I owe formally. Under the Fair Debt Collection Practices Act, I have the right to request this verification. Please provide me with a detailed account of the alleged debt, including : the amount owed, the name of the original creditor, and any supporting documentation that shows I am responsible for this debt. Until I receive this information, I request that you cease all collection activities and reporting to credit bureaus. Please respond to this request in writing within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
They call multiple times a day and do not leave any messages to call them then later in the day you get a text message from them. I have been in collections for over 35 years and this is not a practice that I know of being used. The calls are coming from different offices and numbers attempting to hide who is calling

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
b'debt collector trying to collect something i dont owed.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Recieved letter on XX/XX/2026 from Resurgent Capitol Services saying I owed {$4400.00} which i now nothing about. I wrote them back XX/XX/2026 asking for Debt Validation through usps certified mail. And Resurgent Capitol Services never responded. See attachments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I used this wells fargo credit card last year from XXXX to XX/XX/year>. I believe in XXXX I made a payment and mistakenly chose the wrong account from which to make the payment with thus my credit overdraft protection came into use, which happened to be the same credit card I was attempting to pay. Now it seems this should have worked itself out but it didnt. I was never credited back the XXXX dollar payment. Even though they put a credit several times on my statements it was never credited which would show if there was accounting done with a running balance. I can not seem to get this done even after complaining. I have enclosed the results of the complaint. They just copied statements no accounting done. When this first happened someone on the phone did the accounting and agreed I wasnt paid back the 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 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I have my monthly payment scheduled through my bank to pay {$30.00} over my monthly payment. My monthly payment went up over {$200.00} in one year, I didn't realize it. My XX/XX/year> payment was held in suspense and not applied because it was short about {$200.00}. My XXXX payment was made and the balance on my XXXX payment was paid and applied but the remainder of my XXXX payment was held in suspense. Their portal site shows the XXXX and XXXX payments made, and it was also showing that I had a XXXX payment due. I had to call during their regular business hours to unravel the confusion and it required a specialist to explain what was happening because the website didn't display that the payments were in suspense. Meanwhile, a " 30 days late payment '' report was placed on my credit impacting my credit score.

Company response to consumer: Closed with explanation