vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
I am submitting this complaint regarding Cash App and the closure of my account based on what I believe to be an incorrect and unfair application of their acceptable use policy. My account was banned after I made a purchase through XXXX, an educational platform for children. Cash App claimed that this transaction violated their policy regarding subscriptions longer than one year. However, XXXX does not offer subscriptions longer than one year. Their standard offering is a one-year membership that does not auto-renew. This means it would have been impossible for me to purchase a subscription longer than one year through this merchant. As a result, I believe my transaction was misclassified, and my account was penalized for a violation that did not occur. Additionally, I was not provided with sufficient explanation, evidence, or an opportunity to meaningfully dispute the claim before or after my account was closed. I am requesting : - A full investigation into how my transaction was classified - A clear explanation of how this purchase allegedly violated Cash Apps policy - Reconsideration of my account closure - Improved transparency in how such determinations are made This situation has caused significant inconvenience and concern, as I relied on Cash App for financial transactions. I believe this action was taken unfairly and without proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AES/PHEAA
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the derogatory status of an account from American Education S, account number XXXX, as reported on my credit reports with XXXX XXXX XXXX XXXX. My date of birth is XX/XX/XXXX, and the last XXXX digits of my Social Security XXXX are XXXX. This account is currently listed with incorrect information on my credit reports, and I have been actively trying to resolve this issue since XX/XX/XXXX with no success. I first noticed the incorrect account information on XX/XX/XXXX, and immediately filed a dispute with all three credit bureaus, citing XXXX XXXX ' as the reason. Unfortunately, the response I received was an automated blast that did not address the specific inaccuracies I raised. The same issue occurred when I disputed again on XX/XX/XXXX. Each time, the response did not rectify the incorrect information, resulting in the account remaining in derogatory status. The presence of this inaccurate information has had a significant negative impact on my credit scores, which are currently reported as XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This misrepresentation of my creditworthiness has hindered my ability to secure loans or credit cards and affects my financial stability. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reflected on my credit reports. I believe that the continued reporting of incorrect details by American Education S, despite my multiple attempts to rectify these errors, is a violation of my rights under this law. I am requesting the complete removal of this account from all three major credit bureausXXXX XXXX XXXX XXXX. This action will help correct my credit reports and improve my credit scores, allowing me to rebuild my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: IN

Complaint narrative:
On Monday XX/XX/year> I received a bill in the mail from XXXX XXXX XXXX XXXXXXXX for {$5300.00} due. I have never purchased anything from them or have a credit card with them. I called ( First National Bank of Omaha ) FNBO customer service and reached out to their fraud department and struggled to speak with anyone as they always need to know your account information to get thru the prompts, which I don't have because it's not my card. My call was disconnected and I then researched an email I could report this to. I found XXXX online. I followed up with them again today as I have not received a response. This exact same issue happened with XXXX XXXX thru XXXX XXXX XXXX recently and I reported thru the federal trade commission and XXXX XXXX. Around that same time I was contact by XXXX with a similar issue. I'm not sure if my request went thru to XXXXXXXX XXXX XXXX XXXX or not, as I have not received an email or phone call response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to address an issue regarding an erroneous debt collection attempt by CAINE & WEINER. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I reside at XXXX XXXX XXXX XXXX XXXX XXXX. On reviewing my credit reports, I discovered that CAINE & WEINER is attempting to collect a debt of {$100.00} under account number XXXX, which is currently reported in collections. I believe this debt is not mine, and this collection account has negatively impacted my credit scores, which are XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request verification of the debt and to dispute any debt that I do not believe to be valid. I have no knowledge of this debt and have not received any prior notice regarding this account from CAINE & WEINER or any other related creditor. I believe this may be a case of mistaken identity or an error in reporting. The presence of this collection account has caused significant harm to my financial standing, affecting my ability to obtain credit at reasonable terms and impairing my financial reputation. As a result, I am requesting the complete removal of this account from all three major credit bureaus : XXXX, XXXX, and XXXX, to rectify this erroneous reporting. I urge CAINE & WEINER to conduct a thorough investigation into this matter and provide evidence confirming the validity of this debt. If such evidence can not be provided, I expect the immediate deletion of this account from my credit reports to prevent further damage to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FISERV FINXACT CORE
State: MD

Complaint narrative:
TRS Recovery Services first contacted me XX/XX/XXXX concerning a {$22.00} charge from XXXX that they were claiming was not paid. The total debt they claimed I owe, now, is {$47.00}. I sent certified mail to receive more information and received a XXXX communication that the debt was " valid. '' I called XXXX on XX/XX/XXXX and was told that the debt was not valid and that it had been paid : nothing is owed. I had XXXX send communication XX/XX/XXXX directly to TRS Recovery services AND I filed a dispute with the company. I received communication on XX/XX/XXXX that they are still claiming the debt is open, active, and valid, based on their " investigation. '' There was never a debt. The total amount was paid way back in XXXX ( XX/XX/XXXX ) when I purchased the item in question.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I sent a XXXX payment from my Citi bank account, The transaction ID is ( XXXX ) The transaction has not been completed and the recipient did not receive the funds. I have contacted Citi multiple times and was informed at different points that the payment was pending, under review, or in a settlement investigation. I was also later told that the funds were returned, however my account does not show a corresponding credit or reversal for this specific transaction. I believe there is confusion between this transaction and Transaction ID ( XXXX ) which is another separate XXXX transfer that was successfully completed on XX/XX/XXXX. They said they will not honor the investigation & this is because they CONFUSED different transactions because it was the same sum of money. However theyre making it seem like I lost my {$100.00} forever. I went into the bank also and it was of no help. I am requesting a full investigation into this specific transaction, a clear status update ( completed, failed, or returned ), and immediate return of funds if the transfer was not completed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SERVICEMAC, LLC
State: MN

Complaint narrative:
They reported a foreclosure on my credit that didnt occur. They were paid in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to formally dispute a collection account reported by CAINE & WEINER under account number XXXX. This account, with a current balance of {$100.00}, has been erroneously attributed to me and is currently in collections. I have never opened or authorized any credit card account with CAINE & WEINER, and this debt is not mine. The presence of this collection account on my credit reports wit h XXXX XXXX XXXX XXXX has negatively impacted my credit scores, which are currently XXXX, XXXX, and XXXX, respectively. This erroneous information is significantly affecting my financial standing and ability to obtain credit under fair terms. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that CAINE & WEINER conduct a thorough investigation of this matter and provide documentation to substantiate this alleged debt. The FCRA mandates the accuracy and fairness of credit reporting, and the continued reporting of an invalid debt violates these provisions. This situation has caused undue stress and financial harm, as I am unable to secure necessary credit facilities or improve my credit standing due to this incorrect information. I have not received any validation of the debt from CAINE & WEINER, nor have I been provided with any evidence that proves this account is legitimately mine. To resolve this matter, I demand the complete removal of this collection account from my credit reports with all three major credit bureaus : XXXX XXXX and XXXX. Immediate action is required to rectify this issue and prevent further harm to my credit profile and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Please check the collections and late payment accounts of my file. These should be not reporting negatively. Including some of these are the unauthorized inquiries.

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 non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Today XX/XX/year> I used my XXXX card to buy something for {$1.00} which I usually use my cashapp card to purchase this product but anyways I was still charged an XXXX cents surcharge fee for it spending over {$5.00} which made it to be {$2.00} at this XXXX specific convenience store. The store is named XXXX XXXX XXXX this has been going on for years and I have bank statements for proof of anytime I went to this store and purchased anything under {$5.00} and the ATM machine charges XXXX separate amounts now to withdraw our own money. This store really need to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am writing to file a complaint regarding incorrect information reported by TRUIST on my credit report. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. The account number in question is XXXX. This account is marked as derogatory, which has severely impacted my credit scores : XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. I have thoroughly reviewed my credit reports from all three major credit bureausXXXX XXXX XXXX XXXXXXXXand found that the information reported by TRUIST is incorrect. This erroneous report has caused significant harm to my creditworthiness, affecting my ability to secure loans and credit lines under favorable terms, which is crucial for my financial stability. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit reports. I have already initiated disputes with the three credit bureaus, requesting the removal of this incorrect account information. However, as of today, the derogatory status remains on my credit reports, further exacerbating the harm to my credit profile. The presence of this inaccurate information has not only disrupted my financial planning and opportunities but has also caused undue stress and XXXX, knowing that my financial reputation is being inaccurately represented. I am requesting the complete removal of this TRUIST account from all three credit bureausXXXX XXXX, and XXXX. I believe this is a fair and necessary resolution to rectify the harm caused by the incorrect reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NBT BANCORP INC.
State: MA

Complaint narrative:
The entire banking system charged all of its customers double transactions. Its been for two days and now theyre issuing overdraft fees on the double transactions. They claim its their programming error and not a cyber threat.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX XXXX XXXX. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I am writing to address an issue with incorrect information reported by REGIONAL ACCEPTANCE on my credit reports with XXXX, XXXX, and XXXX. The account in question, with account number 100015XXXX, currently shows a balance of {$3700.00} and is listed as charged off. I believe this account information is incorrect for several reasons. First, the status and balance reported do not accurately reflect my payment history or agreement with REGIONAL ACCEPTANCE. I have made several attempts to resolve this discrepancy directly with the creditor, but they have failed to provide substantiated documentation supporting the current status and balance as reported. The incorrect reporting of this account has severely impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. This erroneous information has made it difficult for me to obtain credit and has caused significant stress and financial hardship. I am aware that under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit reports. REGIONAL ACCEPTANCE is obligated to investigate my dispute and correct any errors found. Despite my previous disputes, the inaccurate information remains uncorrected. This failure to address my concerns adequately represents a violation of my rights under the FCRA. I am requesting the complete removal of this account from all three credit bureausXXXX, XXXX, and XXXX I believe the reporting is inaccurate and unverifiable. I have attached copies of my credit reports and correspondence with REGIONAL ACCEPTANCE for your reference. I appreciate your assistance in resolving this matter and ensuring the accuracy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: Servicer under contract with Federal Student Aid
State: NH

Complaint narrative:
During the Covid payment freeze my college loan was on hold for payments. Due to this my account had been reset and I was unable to log in and struggling to reset it. Because of this once the payments started back up I was not properly notified and once the notifications did reach me I was not able to log in make the payment required. Once I was able to contact AIDvantage and fed loan to reset my account to pay off my required payment it was negatively impacting my credit score significantly. I was able to immediately pay off the required payments and have made current payments since then as well.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/XXXX my son ( who is also a NFCU member for years ) transferred into my account some money I had lent him to purchase a car. I then proceeded to transfer it to my wife, we were in the process of buying a house and she was going to use that money to get a cashiers check to use as earnest money deposit. Because my NFCU account had not been opened for XXXX days, NFCU saw it as fraudulent activity and froze the account and funds. I contacted them, explained everything, even went to the branch with my son and wife and we all verified identities. The money that was transferred from my son was a direct deposit he received from the IRS from taxes which he gets every year deposited into the same account with NFCU. I have tried contacting them several times, they keep saying its under review its been over a month and I still have no access to my {$5.00}. We also lost the opportunity to purchase the home and originally I had opened the account because I had heard good things about the bank, my plan was also to set up my direct deposit from my employer but with all this that has happened I will not do it. I will not originate any more transactions with NFCU at this time, I honestly just want them to complete whatever they are investigating and release my money so that I can close the account and bank somewhere else. I have contacted them several times and I always get the same response. I feel like I am being treated unfairly and because I can not speak to English. ( this statement is being translated and recorded by my son.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This is for my capital one credit card. They indicated when I first called in XXXX that they restricted access to my account due to multiple missed payments. I indicated that I have made XXXX XXXX payments. The last item that I mentioned to them was there are XXXX accounts that money is pulled from in my account. The XXXX option I selected was from the right account. On their end it was pulled from the wrong account which I never use. I realized that this happened and tried it again the next day. The same thing happened. I called them as there is an error on their end of the website that isnt allowing funds to be pulled from the correct account. They said they would look into it. I called back and they indicated that I should make additional payments for both times the transaction failed. They called my bank to ensure I had proper funds. I made over XXXX in payment which is double what I needed to pay but still did it. I was told that they would elevate this further and that hopefully my account would reopen. The case manager XXXX did not call or email me. I found out they tried calling an older number on file and then I called back XXXX separate times to speak with him. No response was received. I then received a letter in the mail saying this was remain closed as I was unresponsive.

Company response to consumer: Closed with explanation