vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MT

Complaint narrative:
Approximately two days ago ( around XX/XX/year> ), I opened my Cash App account and received a notification that it was suspected of fraud. I immediately contacted Cash App support through the in-app bot to request information and explain that this was a false positive, as I do not engage in any fraudulent activity. I work in the medical field and do content creation on the side, and I was unable to make phone calls at that moment due to my situation. Yesterday ( XX/XX/year> ), my account was fully closed due to the suspected fraud. I contacted Cash App support again, including by phone, and clearly stated that this was a false positive. While speaking with support, I offered to provide any information needed to verify my identity and legitimate use of the account. I am still waiting for a meaningful response or resolution. This false positive account closure is causing me significant financial XXXX and inconvenience. Switching my banking information ( routing and account numbers ) for direct deposits and payments is not simple for me I have to physically go to my employers headquarters to update everything, which takes time away from my work. This is disrupting my ability to receive payments for my medical job and content creation income. I have never scammed anyone and have always used the account legitimately. Cash Apps fraud detection system triggered a false positive with no valid basis, and their handling of my appeals has been inadequate. I request the following : immediate reversal of the account closure or full release of any remaining funds, a detailed explanation of what triggered the false fraud flag, reimbursement for any resulting losses or fees, and proper investigation into their flawed detection process so this does not happen to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In 2006 my home was sold to third party by a legal broker ; In order to get the house back ; I obtain a mortgage from new century and XXXX XXXX. My partner came up with XXXX and I was diagnosed with XXXX XXXX and XXXX XXXX XXXX. We both was unable to continue working. My lawyer took 6 months mortgage payments from us & said he would refinance us into a lower interest rate which would make it more affordable. When the bank started foreclosure he said he would represents us ; But he did nothing to help us. I tried different lawyers who took money and did nothing and at the end they told me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Transaction Date : XX/XX/XXXX Dispute Amount : {$190.00} Claim Number : XXXX On XX/XX/XXXX, a debit card transaction for {$190.00} was authorized for a Corsair headset and mouse. The primary item ( the headset ) was found to be defective, as it fails to charge or power on. On XX/XX/XXXX, I attempted to return the defective merchandise in person at the merchant 's physical location ( XXXX XXXX # XXXX, XXXX, OH ). The merchant refused to facilitate an exchange or return for the non-functional unit. I filed a formal dispute with Capital One on XX/XX/XXXX. On XX/XX/XXXX, I submitted the original purchase receipt and a detailed statement via email regarding the merchant 's refusal to accept the return. Despite this, the financial institution denied the claim. I requested a reopening of the case, and on XX/XX/XXXX, I received a notice stating that " no errors were found '' in the investigation and once again requesting a " proof of return. '' This complaint is filed under Regulation E ( 12 CFR 1005.11 ) for a billing error involving defective merchandise. The financial institution is conducting an inadequate investigation by repeatedly requesting a " return receipt '' while ignoring my documented evidence that the merchant blocked the physical return path. By failing to acknowledge the dated evidence submitted on XX/XX/XXXX and demanding impossible documentation, the bank is in violation of its regulatory duty to perform a reasonable investigation under the Electronic Fund Transfer Act. I am requesting a permanent restoration of the {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Regarding : Bank of America , N.A . Subject : Failure to Honor 0 % Introductory Balance Transfer Rate Detailed Description of Issue : I am filing this complaint because Bank of America is failing to honor a promotional 0 % APR offer on a balance transfer I completed. I accepted a specific offer to transfer a balance with a 0 % interest rate valid until XX/XX/year>. Despite meeting the terms of this offer, my most recent statement shows that I am being charged interest on this transferred balance. I have reviewed my account and confirmed that the promotional period should still be active. Charging interest prior to the XX/XX/year> expiration date contradicts the original terms of the agreement and constitutes a billing error and unfair lending practice.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-14 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: Self Financial Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as SELFINCLEAD XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that SELFINCLEAD has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Payment process
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I was behind on my payments, unfortunately we've had really bad luck with vehicles since moving to XXXX. As of XXXX XXXX I recieved a statement that said it would cost me {$5700.00} to bring my loan current 10 days later I made a payment via wire transfer in the amount of {$8000.00}. I immediately emailed my mortgage company once receipt of payment was confirmed. I believed that I was making future payments. My monthly mortgage at the time including my escrow account was {$720.00} Since I had sent an additional {$2200.00} I thought that money would go to future payments. It would have paid my mortgage through the end of the year. Making my next payment due XXXX. I was not at my home during that time, but my kids were. When I got my XX/XX/year> statement it said I owed 3 months. The problem is when it is 3 months behind you have to pay it all. I have an escrow account that is p a id monthly via my mortgage, so it did not go to my escrow, my principal is the same, and they only applied XXXX future payment from the {$2200.00}. It's over {$1500.00} unaccounted for. Had they applied those funds to my payments in eouldnt be in default. My locks have been changed on my house, they've basically taken possession claiming im 6 months behind. They are the only reason im behind they forced me right back into a position that I could not afford to pay my mortgage. I believe it wasn't by accident. It's wrong and unfair. I didnt send extra money for them to just take it. I have my XXXX statement. Also have proof of my payment and amount of payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
Someone used my information to open an account with XXXXXXXX XXXX XXXX and XXXX XXXX, they are appearing on my credit reports in collection. I contacted companies and collection reporting fraud, as well as credit agencies. I have to file a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against Affirm regarding a loan that should not exist. I made a purchase through XXXX using Affirm, but I canceled the order immediately after placing it. XXXX confirmed that : The order was canceled right away No charge was ever processed The total amount is {$0.00} There are no transactions associated with this order This means the merchant never captured any payment. Despite this, Affirm continues to show an active loan and is requesting payments for a purchase that was never completed. I have contacted Affirm multiple times by email and phone, but I have not received any resolution or response. This loan was never used and should not be active. I am requesting that Affirm immediately cancel and close this loan and correct my account. I am attaching proof from XXXX confirming that no charges were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding my experience with America Express and the significant delays and barriers I have encountered in obtaining account statements, which are urgently needed for my ongoing mortgage process. Below is a detailed timeline of events : - I have been a client of American Express for many years- In XX/XX/year>, as part of my mortgage process, I consolidated my funds for ease of management and transferred my savings from America Express. I subsequently closed my account online where American Express did not present any warnings - After closure, I discovered that I no longer had access to my historical account statements- On XX/XX/year>, I contacted American Express customer service to request for my statements. I was informed that that the only available option was to receive statements via physical mail. I emphasized the urgency due to my mortgage timeline and was told that delivery would take approximately 5-7 days - By XX/XX/year>, having not received my statements in the mail, I contacted American Express again . The representative did not mention my prior request until I informed him that there should already be an action on file, indicating poor internal tracking. I was then told that I would need to wait 3-5 days for processing and 5-7 days for mailing Given the delay already occurred, I asked for alternative delivery options : - Electronic delivery was denied, despite representatives confirming they can view my transaction historically internally - Fax delivery was an option but again, it would take 5 days of additional processing Separately, I received an email, likely in error, providing access to historical statements. However : - These statements were incomplete and missing key transaction details, including deposits relevant to my mortgage application - When I asked the representative for clarification on why details were missing, they were unable to answer and stated that this is just the case because the account has been closed This situation has caused material delays in my mortgage process, unnecessary XX/XX/XXXXand uncertainty, and a lack of confidence in American Express ' recordkeeping and customer support processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: OK

Complaint narrative:
I am submitting this complaint regarding Spring Oaks Capital LLC, a company that has repeatedly contacted me by phone and text throughout the day. I have never provided this company with my personal information, never had any business relationship with them, and do not owe any debt to this organization. Their continued communication is unwanted, intrusive, and unexplained. I am also an identity theft victim, and these contacts raise serious concerns about how Spring Oaks Capital obtained my personal information. I am requesting that the Consumer Financial Protection Bureau investigate how this company accessed, purchased, or was provided with my data, and whether it was obtained through unlawful or unauthorized means. Spring Oaks Capitals repeated calls and text messages constitute harassment, especially given that I have no connection to them. I am requesting a cease and desist of all communication from this company under applicable consumer protection laws. Additionally, I am requesting that the CFPB review whether their actions violate the Fair Debt Collection Practices Act ( FDCPA ) or any other federal consumer protection regulations. Given my status as an identity theft victim, I am asking the CFPB to investigate the source of the data used by Spring Oaks Capital, determine whether my information was misused or sold without authorization, and take appropriate action regarding this companys conduct. I would also like to pursue any available remedies or charges related to this unwanted and unauthorized harassment. The FCC is aware of ongoing litigation of spam calls and other issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 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: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I leased a new car and a credit card was opened without my knowledge. Usually, it shows up under motor credit line but this time a card actually was opened under my knowledge by Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
Subject : Inaccurate Credit Reporting Repossessed Auto Loan Reporting Ongoing Derogatory Activity I am filing a formal complaint regarding inaccurate and misleading reporting of a repossessed auto loan on my credit report. This account is listed as closed with a remark of repossession, and reflects a last payment date of XX/XX/XXXX. However, the account continues to report ongoing derogatory activity across XXXX, XXXX, XXXX, XXXX and XXXX The following issues are present : - The account shows continuous derogatory monthly reporting well beyond the last payment date of XX/XX/XXXX - The payment status is listed as No Info, indicating incomplete and unverifiable reporting - The account reflects persistent negative reporting after the repossession event, which is misleading and inconsistent with proper credit reporting standards- The pattern of reporting suggests the account may be improperly re-aged or inaccurately updated Under the Fair Credit Reporting Act ( FCRA ), all information furnished must be accurate, complete, and not misleading. Reporting ongoing derogatory activity after the account has been closed and repossessed raises serious concerns regarding compliance. I have disputed this account previously, yet the inaccurate reporting continues without proper correction or validation. I am requesting the following : 1. Verification of the Date of First Delinquency ( DOFD ) 2. Verification of the last payment date and all subsequent reporting activity 3. Documentation supporting the continued monthly derogatory reporting after repossession 4. Correction of the account to reflect accurate and compliant reporting 5. Immediate deletion of the account if it can not be properly verified and reported in accordance with the FCRA If the furnisher can not provide sufficient documentation to support the accuracy of this reporting, the account must be removed. I request that this matter be investigated promptly and that appropriate corrective action be taken. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding an unresolved debit card transaction dispute involving my Credit Karma Money account. On XX/XX/year>, a merchant placed a temporary authorization hold on my debit card in the amount of {$1900.00}. According to the merchant, this was not a completed charge and the authorization hold was released on their end. However, as of today ( XX/XX/year> ), these funds have still not been returned to my account. I filed a dispute with Credit Karma on XX/XX/year>, after noticing the funds were not released. Despite multiple follow-ups, I have received no resolution, no provisional credit, and no clear explanation as to why my funds are still being withheld. This situation has caused significant financial hardship, as I have been without access to {$1900.00} of my own money for over 40 days. The merchant has confirmed that the hold was released, yet Credit Karma has failed to restore my funds or properly investigate this matter. Under Regulation E ( Electronic Fund Transfer Act ), financial institutions are required to conduct a timely investigation and, if necessary, provide provisional credit within 10 business days of a reported error. Credit Karma has failed to meet these obligations. I am requesting the immediate return of my {$1900.00}, a full written explanation of their investigation findings, and documentation showing where my funds are currently being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: MI

Complaint narrative:
My Harley Davidson loan payment of {$270.00} is not past due account is current had spoke to customer service a month ago about moving the due date over last week and this week of XX/XX/year> they kept calling all day long no matter how many times you said stop calling the turn around and call back phone calls start at XXXX and end at after XXXX finally on Sunday to Sunday sometimes 8 times a day I finally answered the call and asked for a supervisor the supervisor informed me it was their right to call like that I informed him of the law and was making a complaint for harassment as my account was current at the time of the phone call then he state there was no record of me talking to someone last month said I have to write a letter and mail it in to get the phone calls to stop and even then they will still call about payments calling before a payment due is now harassment phone calls start XXXX of the month payment not due till the XXXX of the month

Company response to consumer: Closed with explanation