vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital LLC put collection on my account for {$350.00}. Theres no debt validation letter with this claim that I owe. Ive been trying to have this removed for months. This is identity theft and I want it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been locked out of my American Express XXXX containing {$8000.00} for approximately one month. The account was flagged following legitimate transfers from two personal accounts that I made myself. Over the past month I have submitted extensive documentation, including four months of the requested bank statements and three months of another bank 's statements. Each time I called, I was given new or conflicting document requirements that were never communicated upfront. On my most recent call today, a representative told me my bank-issued statements appeared " tampered '' because I downloaded them from my email rather than directly from a portal for an account I closed in XXXX and no longer have online access to. This requirement was never communicated to me during any prior call. They also told me they cant give me my funds or close my account because it is restricted. None of this was communicated to me when I was transferring money TO Amex. Only when I attempted to pull the money out. I have been on hold for cumulative hours, spoken to multiple representatives and escalation specialists, and still have no access to my funds. I kept being told that after submitting the documentation, I can call back and have my account cleared after review and escalated. Every time I did call, I was told something wasnt right. On the portal to submit documents, it says multiple types files are allowed, and no guide on what is or isn't considered tampered or appropriate. I have a deposit due on a new apartment and can not access my own money. I am requesting immediate access to my account or closure of the account with a check issued for the full balance. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year>, I made a purchase in the amount of {$910.00} through Cash App. XX/XX/year> These funds was deposited to seller to order car parts and service labor fees to my fix my vehicle. Due to me paying this person up front for services I was under impression that he was going to order the parts I requested and service the vehicle as well. Instead I have inadequate equipment that I can not send back to return due to the fact the seller didnt provide me with reliable receipts nor information on where purchased from. XX/XX/year> seller was suppose to come pick up my vehicle so he can prepare to service it. Seller never showed, I work the time he called me I couldnt answer due to work hours. XX/XX/year> I call seller the whole day no response, no reply no communication whatsoever. I text him and tell him on XX/XX/XXXX Im having second thoughts and wanting to change my mind due to the lack of communication thats not being provided. I get a notification to call him so I did he explained he couldnt get the receipt I needed for proof of purchase and that once everything comes in he would then come get and service my vehicle. XX/XX/XXXX I had finally decided to go to his place of business to request the refund. He says he not going to refund my money because he not about to do all that. Im confused on why hes so hostile I leave his establishment due to safety concerns I was uncomfortable so I called the police. To report the issue was notified by police that I need to take it to court and sue. During this period I started the process of disputing from both my personal bank and through Cash App and was unsuccessful on both ends due to Cash App not understanding the relevance of the situation even if I was the authorized sender. I believe I was purchasing parts to get my vehicle serviced and fixed instead Ive been doing everything that needs to be done in a matter like this. I feel as Cash App failed me as customer support expressed to me on several occasions how they understood and would get me the help I needed. XX/XX/XXXX, - XX/XX/year> XXXX still waiting for either seller to willingly refund my funds which he has declined I as well have proof. Please help me during this difficult time Im not giving up because this needs to be stopped immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CA

Complaint narrative:
I did not aujthorize this payment via cashapp and cashapp is not respond or emailing me back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding an auto loan that was originated under misleading representations made during the vehicle purchase process. I have already contacted XXXX XXXX directly and opened a formal complaint ( Complaint # XXXX ), but the issue remains unresolved. On XX/XX/year>, I visited a dealership after seeing an advertised vehicle at a significantly lower price. Upon arrival, I was told the vehicle was unavailable and was directed toward purchasing a more expensive vehicle. During the sales process, I clearly stated that I worked in a restaurant and could not afford high monthly payments. I was advised by dealership staff that I should proceed with the purchase and return after six months, at which point I would be assisted with refinancing into more affordable terms. I relied on these representations when entering into the loan agreement. When I returned after six months, I was informed that no such refinancing assistance existed. As a result, I am now obligated to a monthly payment of {$670.00} that I had clearly stated I could not afford. Due to these excessive and unaffordable payments, I have suffered financial hardship. I have fallen behind on other financial obligations, including losing at least two credit cards due to non-payment, and my credit profile has taken a significant negative impact that continues to affect me. Additionally, I later discovered that certain warranty coverage was not disclosed to me at the time of sale, and I was initially asked to pay for a repair that was covered. I believe this loan was originated based on misleading representations that directly impacted my financial obligations and caused measurable financial harm. I am requesting review and assistance in resolving this matter, including options for refinancing, loan adjustment, or other appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2026-04-13 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: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I made a purchase in XX/XX/XXXX, I returned the item to the merchant in XX/XX/XXXX and they provided a refund to me via the credit card I made the purchase from. The merchant supplied me with proof of the refund that was sent to the credit card company. I have not ever received the credit to my credit card account. I reached out to the credit card company repeatedely since XX/XX/XXXX and they sid they do not see a refund. I sent the credit card company documentation from the merchant over a month ago showing that the merchant sent the refund. As of XXXX XXXX XXXX, the credit card company states they still have not received the refund, can not provide a telephone number for me to contact a department in which I can request additional assistance. They say that no such contact informaton exists for the " back offce ''. They do not have a telephone number. It has been 4 months and this is still not resoived. They offer to recourse to solve the issue and tell me to go back to the merchant. I have spoken to the merchant multiple times and they have sent proof of the refund sent to the credit card company,.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Subject : Formal Complaint : Unauthorized Liquidation of Assets and failure to provide adequate notice - XXXX XXXX XXXX XXXX XXXX Description of Incident : On XX/XX/year>XXXX XXXX XXXX executed an unauthorized liquidation of XXXX shares of XXXX in my account without my prior consent or verbal or digital notification. The Dispute over & " Updated Information '' : The firm alleges the sale was due to failure to update account information. However, I maintain that my account was fully updated and complaint at the time of the sale. My online portal indicated no " pending actions '' or & " expired information '' warnings. Failure of Notification protocols XXXX XXXX XXXX claims notice was sent via physical mail. I have explicitly opted into " Paperless '' i.e Electronic Communications for all account alerts and notices. The firm failed to utilize my primary contact methods ( email and phone ), which prevented me from addressing any perceived issues before they took the drastic step of liquidating my assets. Financial Harm : This unauthorized action has caused direct financial injury, including : 1. Realized Losses : The shares were sold at a disadvantageous price of {$200.00} as against {$240.00}, current stock price 2. Tax Liability : The forced sale triggered a taxable event that I did not authorize or plan for. 3. Market Exclusion : I have been deprived of the potential gains from these securities during the period they were wrongfully removed from my portfolio. Request for Action : I request that the XXXX investigate XXXX XXXX XXXX internal protocols regarding forced liquidations and their failure to adhere to client communication preferences. I am seeking a " restoration of position '' to undo the harm caused by this unauthorized trading

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
Complaint : I am filing a formal complaint against PayPal regarding an unjustified account limitation and the holding of over {$2500.00} for a period of 180 days. This action was taken after I sold my personal collection of XXXX bicycle parts over a short period of time ( approximately four days ). While I understand that an increase in transaction volume may trigger a review, PayPals response has been excessive and disproportionate given the circumstances. All transactions were legitimate sales of personal property. I fulfilled all orders promptly, uploaded valid tracking information for each transaction, and most, if not all customers have already received their items. I have also begun receiving positive feedback confirming successful delivery and satisfaction. There are no open disputes, claims, or chargebacks associated with these transactions. Despite full performance on my part, PayPal imposed a 180 day hold on my funds without providing a clear, case-specific justification or a reasonable path for earlier release. This extended hold creates an unnecessary financial burden and raises concerns about fair treatment and transparency. I am requesting the following : An immediate and thorough manual review of my account The release of any funds associated with completed and confirmed transactions A clear and specific explanation for the 180 day hold, including the criteria used to justify such a prolonged restriction I am fully prepared to provide supporting documentation, including proof of shipment, delivery confirmations, and buyer communications. However, given that the transactions have already been successfully completed, I believe the continued withholding of funds is unwarranted. I am out of my valuable vintage bike parts, which I will never be able to recover and no funds. I respectfully request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was on Equifax website viewing my absence for a consolidation loan. XXXX XXXX popped up advising. I had an excellent chance of approval and if not approved, I would not receive a hard inquiry. Although it was not approved, I wasnt concerned because it advised that it wasnt a hard inquiry. Upon checking my credit report today, my score had dropped XXXX points from the XXXX inquiry XXXX XXXX advised it will not affect my score, and yet it in fact did. Im asking that this hard inquiry be removed from my credit report immediately due to false advertisement. Thank you in advance for your immediate response to assistance with this inquiry/removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am the court-appointed Administrator for the Estate of a deceased borrower. The mortgage is serviced by Shellpoint Mortgage Servicing ( NewRez ). On XX/XX/XXXX, I notified the servicer in writing of the deaths of both the borrower and co-borrower and provided the documentation I was instructed to submit, including death certificates, a petition for Letters of Administration, and identification. I received no response. In XX/XX/XXXX, I was finally contacted by a representative and again provided the prior documentation, along with the Letters of Administration issued by the probate court on XX/XX/XXXX. I requested assistance with a forbearance or other options to prevent foreclosure. I was told I needed to record the Letters of Administration on title before further action could be taken. This requirement was completed on XX/XX/XXXX. Despite these efforts, the loan proceeded further into default. In XX/XX/XXXX, after obtaining life insurance proceeds, I tendered payment in the amount of {$16000.00} to bring the loan current and reinstate the mortgage. Since making that payment : The servicer has not provided written confirmation that the loan has been reinstated. The servicer has not provided updated statements or billing information to allow me to keep the loan current. The servicer has refused to communicate with me directly, despite my status as the court-appointed Administrator, and despite repeated attempts to resolve the issue. Additionally, on XX/XX/XXXX, the servicer issued a letter stating that the XX/XX/XXXX payment was past due. This correspondence was not sent to me, but instead mailed to a third-party address and was not received until XX/XX/XXXX. This has further impaired my ability to keep the loan current and raises concerns regarding the servicers handling of account communications. A Notice of Default was also recorded, which included a certification that the servicer exercised due diligence to contact the borrower as required under California Civil Code 2923.55. This is concerning, as the servicer was notified of the borrowers death and had my contact information and documentation as early as XX/XX/XXXX, yet failed to meaningfully engage for several months. I am attempting in good faith to resolve the delinquency, maintain the loan in good standing, and prevent foreclosure while the property is being prepared for sale. However, the servicers lack of communication, failure to provide confirmation of reinstatement, and failure to provide ongoing billing statements are preventing me from doing so.

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 2026-04-13 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: FL

Complaint narrative:
On XX/XX/XXXX I requested debt validation and I will attach the letter. When they responded all I got was a statement from XX/XX/XXXX that did not explain the {$5400.00} they are saying I owe. The statement only states a balance of {$1200.00} according to the document provided. Information provided dos not show a complete breakdown of their claim nor does it show how they calculated the amount. I've tried several times to work with them to get the information that I am entitled to under the FDCPA, but they are dragging their feet. While they are stalling, they reported invalidated debt on my credit reports damaging my credit. I will include the information they provided, the validation letter and official letter from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
Date : XX/XX/year> Subject : Formal Dispute and Request for Proof of Authorization Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, This letter serves as a formal dispute regarding an account currently being reported on a consumer credit file. The information being reported appears to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act, credit reporting agencies are required to ensure the maximum possible accuracy of any information reported on a consumer report pursuant to 15 U.S.C. 1681e ( b ). Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be corrected or deleted from the consumer file. Furthermore, pursuant to 15 U.S.C. 1681, consumer reporting agencies must ensure that any information furnished, obtained, or reported is done with proper authorization and permissible purpose as defined by federal law. At this time, there is no record indicating that written consent was ever provided authorizing the furnishing, obtaining, or reporting of this account information. Therefore, I am formally requesting the following : Proof of written authorization granting permission to furnish this account to the credit reporting agencies. Proof of written authorization allowing the credit reporting agency to obtain this information. Documentation showing written consent permitting the reporting of this account on a consumer credit file. The permissible purpose used to access or report this information. If such documentation can not be produced, the continued reporting of this account may be considered a violation of the Fair Credit Reporting Act. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any information that can not be verified must be promptly deleted from the consumer file. If you are unable to provide the requested proof of written authorization, I request that this account be immediately removed from the credit report. Please provide a written response with the results of your investigation within the time frame required by federal law. Sincerely,

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 2026-04-13 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: TX

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I received a payday loan to help pay a previous loan I received and Im paying 160 % interest on the loan and I cant keep paying it. I was in a bad spot and made a stupid decision. I feel like they are taking advantage of people with these ridiculous interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
XXXX, I called to inquiry about the past due balance when they informed me that it was a mistake on their end and to just pay the payment that they sent me in their letters. XXXX, I messaged them stating that it still has not been fixed. XXXX, I messaged them saying that it still has not been fixed and they responded saying my request is still being processed.

Company response to consumer: Untimely response