vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am formally disputing the account listed on my credit report because I do not recognize it and have no knowledge of this alleged debt. I request a complete investigation and verification of this account. Please provide documentation demonstrating that this account belongs to me and that the information being reported is accurate and complete. If you are unable to verify the account with competent evidence, I request that it be deleted from my credit file in accordance with the Fair Credit Reporting Act. Additionally, please provide the name of the original creditor, the account number, the date the account was opened, and any documents bearing my signature or otherwise linking me to this alleged debt. Until such verification is provided, I dispute the accuracy of this account and request that it be noted as disputed in my credit file. Thank you. Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Kovo
State: GA

Complaint narrative:
I checked my account and noticed the credit score they have versus XXXX is misleading, I requested to close the account and the message is I will not get any funds back and the report will say derogatory balance. I feel incredibly intimidated and threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Unifin Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This account was previously an XXXX XXXX account managed by XXXX. At some point the ownership and management of the account was transferred to Citi. During the transfer time, which began around XX/XX/year>, I was unable to pay my account balance in the old XXXX system, and all documentation I received from XXXX indicated that I should received communications from Citi in how to manage my account moving forward. I did not received any communication from Citi until yesterday ( XX/XX/year> ). I received my new Citi card in the mail yesterday. I logged in and see that i have been charged a late fee and 2 finance changes. I previously paid my statement balance in full every month on Autopay, avoiding finance charges. Because autopay was turned off and I was unable to manage my account in either XXXX or Citi systems.I got charged late fees and finance charges. During the time I accrued these charges it was literally impossible for me to access my account and/or pay the balance. I didn't even know I had interest charges until I logged in. My request is simple. Remove the late fees and interest charges. I have paid my account balance in full and enrolled in Autopay. If this had carried over from XXXX ( it didnt ) I wouldn't be having to deal with this issue, however, Citi 's unwillingness to remove the finance charges has resulted in my filing this complaint. I also question the legality of charging me these fess while I didn't have access to my account.

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 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent the wrong amount of money to someone on cashapp on XX/XX/XXXX. I meant to send {$10.00} but i sent {$100.00}. On XX/XX/XXXX. XXXX I sent {$200.00} to someone and I meant to send {$20.00}. Please respond or send my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) regarding the sudden closure of my account. Cash App notified me that my account was closed for allegedly violating its Terms of Service. However, I have not been provided with any specific explanation of what conduct supposedly violated the terms, and I am unaware of any activity on my account that would justify closure. I have used my account in good faith and have not engaged in fraud, illegal activity, or any other conduct that I believe would violate Cash Apps policies. Despite contacting customer support, I have not received a meaningful explanation or evidence supporting their decision. The lack of transparency has prevented me from understanding the reason for the closure and from addressing any potential misunderstanding or error. This has caused inconvenience and concern regarding my ability to access financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
i am writing to dispute the accuracy, completeness and fairness of certain collection and/or charge-off items appearing on my comsumer credit file.under the fair credit reporting act FCRA.all information must be accurate. complete and not misleading please conduct a reasonable reinvestigation of the items listed below and provide the results in writing.if the information can not be verified as accurate and complete, if must be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$320.00} on my Indigo Mastercard ( XXXX Bank XXXX Concora Credit XXXX for a XXXX XXXX XXXX XXXX XXXX on XXXX XXXX Order XXXX, seller " XXXX '' ). I never received this item. XXXX tracking # XXXX shows a delivery photo of a package left against a gray concrete block wall with blue water pipes. This location does NOT match my residence at XXXX XXXX XXXX XXXX, Unit B, XXXX CA XXXX. No unit number, no door, no identifying feature matches my address. No signature was obtained for this {$670.00} item. I opened dispute XXXX XXXX, then XXXX XXXX with Concora. Concora issued a provisional credit then reversed it XX/XX/year> after merchant submitted the same XXXX photo. Concora closed the case XX/XX/year> stating delivery was confirmed despite the photo not matching my address. This same order was split between XXXX cards. The other {$350.00} was disputed with XXXX XXXX ( XXXX XXXX ). XXXX XXXX reviewed the identical evidence same order, same seller, same XXXX tracking, same photo and resolved the dispute PERMANENTLY in my favor on XX/XX/year>. XXXX XXXX kept the {$350.00} credit. Concora ignored this and denied my dispute for the same transaction. XXXX customer service ( XXXX XXXX XXXX, XXXX XXXX ) stated in writing that delivery errors can occur and that the seller is responsible for filing XXXX claims. No signature was required. All platform remedies were exhausted before filing this chargeback under the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/XXXX, my husband, XXXX XXXX called Goldman Sachs to try to pay my credit card off over the phone. OK we had lost access to the app which had easy payment. We spoke with the first initial customer service rep who was able to verify that he had the correct routing number he had the account correct account number. He was able to see he was able to see that the exact account had been making prior payments for months and months and months, but without XXXX pressing pay within the actual app, he was unable to help us. We found that to be insane because how could a bank be refusing to take a payment with with an accurate routing number and an accurate account number that has been proven to be the accurate account for at least the last XXXX months what how they could not take that information over the phone so we asked to be transferred to a XXXX, the next XXXX could not help us. They also could not take a payment from another bank over the phone. How can a bank like Goldman Sachs not take a payment from a bank like XXXX that has a that has an American like government approved like regulated, routing and account number that is standard in every aspect of society so we were then transferred to a third employee she could help us, but she had XXXX explanation for why the prior to employees could not help us. I would like to know why their system is set up to not take bank payments from other banks over the phone in any manner at all except through this app, various customers around this country in large number do not have access to apps or smartphones and refused to get them so how is this bank still protected by the federal government and how are their accounts and bank account still insured when they are not playing by the same rules and games as the rest of the banking industry that seems questionable that seems potentially fraudulent I do not know why I had to give my last for my social and my birthdate to numerous people across various locations and now random XXXX and XXXX XXXX, just have that information to do what they with what they pleased with cause they were never going to be able to help me. Why did I have to verify my personal information to begin with if they were never going to be able to help me I would really like someone with some official title to look into this because if theyre still protected by the federal government this concern concerns me deeply and it should concern the federal government because youre the ones ensuring these accounts thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday, XX/XX/year>, I spoke directly with a Capital One representative regarding specific checks from XXXX XXXX that were sent in error. During this call, I explicitly detailed the exact explanation provided to me by the XXXX XXXX representative regarding why these checks were being stopped and reversed. I was highly cooperative, proactive, and sought to ensure Capital One had full clarity on the matter. At no point during that conversation did the representative inform me that a restrictive hold would be placed on my funds, nor did they provide any warning that my account would be frozen. Instead, a hold was quietly slapped on my account after their Loss Prevention/Risk departments closed for the weekend, leaving me stranded at a retail store today with XXXX access to my money and no available customer service department capable of resolving it until Monday. I want XXXX phone call pulled, reviewed, and the representative held accountable for failing to properly document my proactive notification and failing to advise me of this severe action. I demand that this restrictive hold be escalated to a Tier XXXX XXXX XXXX and lifted immediately on Monday morning, XX/XX/year>. If this is not resolved swiftly, I will continue escalating this through all available regulatory channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Complaint Against XXXX XXXX / TransUnion - Fraudulent Account Reporting XXXX am filing this complaint regarding a XXXX XXXX account being reported on my credit file that does not belong to me and was never opened, authorized, or used by me in any capacity. I have no contractual relationship with XXXX XXXX and dispute this account in its entirety. Despite my dispute, this inaccurate account continues to appear on my credit profile, causing harm to my creditworthiness and financial opportunities. Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies and furnishers are required to report only accurate and verifiable information. I request that TransUnion and XXXX XXXX conduct a proper investigation and provide documentary proof bearing my signature showing that! opened or authorized this account. If such documentation can not be provided, I demand immediate deletion of this account from 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 non-monetary relief
Consumer complaint received 2026-06-07 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: MOHELA
State: NC

Complaint narrative:
In XXXX, I submitted an Income-Driven Repayment ( IDR ) application through XXXX. My servicer, MOHELA, allowed this application to sit in review for approximately XXXX years without resolution, notification of cancellation, or instruction to resubmit. During multiple phone calls between XXXX and XXXX, MOHELA representatives told me I was " in good standing '' and that " no action was needed. '' I have handwritten call logs with dates and representative names documenting these calls. Relying on these assurances, I remained in SAVE forbearance while interest accrued on my balance beginning XX/XX/XXXX. I have made documented good-faith attempts to enroll in an IDR plan going back to XXXX. Despite these efforts, I have never been successfully enrolled in a qualifying IDR plan due to processing failures outside my control. I requested the status of my XXXX IDR application and a payment count audit crediting qualifying months back to my first repayment date in XXXX. MOHELA did not provide this information. My IDR payment count was subsequently removed from my MOHELA dashboard in early XXXX. Prior to its removal, the count did not appear to accurately reflect my repayment history. I first borrowed federal student loans in XX/XX/XXXX, which qualifies me for Old IBR with a XXXX forgiveness timeline. The payment count toward that forgiveness is unverifiable due to MOHELA 's failure to maintain and provide accurate records. SAVE was terminated XX/XX/XXXX, and I am now facing a XX/XX/XXXX deadline to switch repayment plans -- - with no accurate payment count and an unresolved XXXX application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Case ID # XXXX UNAUTHORIZED ELECTRONIC TRANSFERS I am submitting this complaint regarding unauthorized access to my PayPal account and PayPals subsequent mishandling of my fraud claim and investigation. After losing possession of my cellular phone and laptop while in a hospital waiting area, unknown individual ( s ) gained unauthorized access to my PayPal account through what appears to have been a coordinated identity theft and account takeover incident. Once access was obtained, several fraudulent and unauthorized transactions were initiated from my PayPal account without my knowledge, authorization, or consent. I immediately notified PayPal of the unauthorized activity and submitted supporting documentation regarding the identity theft incident. PayPal initially issued provisional credit ; however, the provisional credit was later reversed following PayPals internal investigation. Since that time, I have repeatedly requested copies of all documentation, records, electronic logs, investigative findings, device/IP information, and evidence relied upon by PayPal in reaching its determination to deny my fraud claim and reverse the provisional credit. Despite sending approximately XXXX ( XXXX ) signed certified letters, multiple emails, and placing numerous telephone calls to PayPal customer service representatives, PayPal has ignored my requests and failed to provide any meaningful response or investigative documentation whatsoever. To date, PayPal has refused to disclose the evidentiary basis supporting its determination, leaving me unable to meaningfully challenge the decision or verify whether a reasonable investigation was conducted. I respectfully request that the CFPB investigate PayPals handling of this matter, including its failure to adequately respond to repeated written requests for investigative documentation and its denial of reimbursement for unauthorized electronic transactions associated with this identity theft incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV Funding LLC is reporting XXXX collection accounts on my credit reports in the amounts of approximately {$1000.00} and {$890.00}. I contacted LVNV Funding to request verification and information regarding the accounts. During that contact, the representative was unable to locate or verify at least XXXX of the accounts using my information. Additionally, XXXX of the collection accounts recently appeared on my credit report without my receiving sufficient notice or documentation explaining the balance being reported. I have requested validation of the debts, documentation supporting the balances, and proof that LVNV Funding has the authority to collect these accounts. At this time, I have not received adequate documentation verifying the debts or explaining the reported balances. I am disputing the accuracy of the reporting and requesting a full investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/2026, I went into the brach herein XXXX, Arizona to the US Bank off of XXXX to lodge a complaint. I had moved on XX/XX/2026 and paid for the services of XXXX XXXX. They over charged me, and they also, damaged and broke my belongings. The amount that they charged my account was {$3100.00} before the unloaded my belongings. The branch filed the complaint and dispute. On XX/XX/2026, after I went into the branch referenced above, That same day, US Bank began to freeze my personal accounts which I learned of on XX/XX/2026. I called the branch and the young man stated he would not be able to provide me any information and that the lady, XXXX who had helped me on the XXXX would call me back the following day. I called the main line and they told me that they would not provide me with any information nor would they provide me with a date of when I would receive my funds. They did tell me that the personal checking and savings accounts were not closed. I had {$170.00} in my personal account, {$14000.00} in my personal savings and {$3500.00} in my business account. I went to the branch located on the XXXX side of XXXX, since there are not very many branches, to close my accounts, and they refused to do so, stated that my accounts were " frozen '' now, that my business account was fine, and that I could not close either the savings or the personal account. To date, I do not have a date on when they will send me my funds nor an expected date of receipt. In order to expedite process, I called again to reverse the dispute in order to obtain my funds, and I stated that the dispute was legitimate, and that I would just have to eat the funds due to needing the monies in order to avoid bankruptcy and to pay my upcoming bills and expenses, including creditors I had promised funds to. I had to close out my business account out of fear that they would hold those funds, refuse to release them or freeze them as well.

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