vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Account XXXX & XXXX # XXXX. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from all XXXX credit bureaus or i will have to take legal action.

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 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX is reporting a collection account that was sent in error by the creditor. 

The account now shows a {$0.00} balance and was updated after a dispute, but XXXX continues to report it as paid for less than full balance, which is inaccurate and harmful. 

XXXX  and XXXX have already deleted this account, confirming it was reported incorrectly. 

I am in a pending mortgage process, and XXXX failure to delete this inaccurate collection is causing financial harm. 

I am requesting immediate deletion of this account under the Fair Credit Reporting Act ( FCRA ) due to inaccurate reporting. 

What resolution are you seeking? 

XXXX deletion of the collection account from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: TX

Complaint narrative:
Requested documents showing accurate information in the contract I have with them and to show it belong to me and was told no and refuse to provide requested information. Was threatened and told they were going to file a lawsuit against me and it would not come off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding the account referenced above. This letter is not an acknowledgment of liability for the alleged debt.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. Please provide the following : The amount of the debt, including an itemized breakdown of principal, interest, fees, and any other charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that your agency is authorized to collect on this account Copies of any agreements or contracts bearing my signature Until you provide the requested validation, please cease all collection activity and do not report or continue reporting this account to any credit reporting agency. If this account has already been reported, please note that it is in dispute. 
Thank you for your cooperation. I expect your response within the timeframe required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
Request for Debt Validation and Notice of Duplicate Reporting. 

Please be advised that this letter is not a refusal to pay any valid debt. Rather, due to the duplicate reporting, I am requesting validation and verification to determine whether these alleged debts are accurate, legally collectible, and properly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Veros Credit, LLC
State: TX

Complaint narrative:
PRIORITY INVESTIGATION : DOCUMENTED DISCLOSURE FRAUD, UNLAWFUL SURVEILLANCE, AND RESIDENTIAL TRESPASS. FORMAL FOLLOW-UP TO COMPLAINT ID : XXXX & XXXX. 

This complaint documents a pattern of wrongful repossession, material disclosure fraud, and unlawful residential surveillance by Veros Credit LLC involving a XXXX XXXX XXXX XXXX ( VIN : XXXX ). In their response dated XX/XX/XXXX, the Company intentionally ignored forensic hardware evidence to obscure a predatory servicing scheme. 

I. Material Disclosure Fraud ( CA Civ. Code 2982 & TX Fin. Code 348.013 ) Forensic discovery ( Exhibit J ) confirms six ( 6 ) active surveillance units are installed. The Retail Installment Sales Contract ( RISC ) signed XX/XX/XXXX ( Exhibit A ) discloses only one ( 1 ). This includes an undisclosed PassTime XXXX ( FCC ID : XXXX ) with remote-immobilization ( " Kill-Switch '' ) technology. Under California Civ. Code 2983, a violation of these disclosure requirements renders the entire contract unenforceable. 

II. Abusive 'Zero-Principal ' Extraction ( 12 U.S.C. 5531 ) Veros Credit admits to five ( 5 ) extensions between XXXX and XXXX. These were used as a mathematical trap to siphon 100 % of payments into interest. Despite {$40000.00} in total cash extraction on a {$24000.00} asset, the Company still claims a balance of $ XXXXan extraction of 211.9 % of the asset value. This is an " Abusive '' act under the Consumer Financial Protection Act. 

III. Unlawful Trespass & Breach of the Peace ( TX Bus. & Com. Code 9.609 & TX Penal Code 30.05 ) Veros Credit dispatched a Private Investigator who unlawfully entered my private property to verify the VIN. This physical intrusion was confirmed by a Veros representative via phone. Under Texas Bus. & Com. Code 9.609, California Commercial Code 9609, and the Texas Debt Collection Act ( TX Fin. Code 392.301 ), repossessing or investigating collateral via a breach of the peace or trespass is a material violation. 

IV. Wrongful Repossession via Undisclosed Tech The Company utilized undisclosed " Kill-Switch '' technology to facilitate a taking based on a void contract. This constitutes unconscionable trade practice under the Texas DTPA ( Bus. & Com. Code 17.46 ) and the California Unfair Competition Law ( Bus. & Prof. Code 17200 ).

V. Securities Fraud Reporting ( SEC TCR # XXXX ) This systemic fraud has been reported to the SEC as it represents a breach of warranties in the XXXX XXXX pools. 

DEMAND : Immediate discharge of the {$12000.00} debt, unconditional release of the title, and total tradeline deletion from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
My Robinhood account has been restricted without clear justification or timely resolution. 

On or around XXXX XX/XX/year>, my account was restricted, preventing me from trading / withdrawing funds/ transferring asset ]. I contacted Robinhood support on XXXX XX/XX/year> but have not received a satisfactory explanation or timeline for resolution. 

Despite complying with all verification and documentation requests, the restriction remains in place. My funds are inaccessible, and this has caused financial inconvenience and potential loss. 

Robinhood has failed to provide adequate communication or timely customer support regarding this issue. 

I am requesting that Robinhood : XXXX. Immediately review and remove the account restriction, or XXXX. Provide a clear written explanation for the restriction, and XXXX. Release access to my funds and account features. 

I am asking for prompt resolution and transparent communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: Block, Inc.
State: OH

Complaint narrative:
I had a cash app account years ago and I lost my phone and access to my account. I made a new account and the old one went inactive for years. Someone accidentally sent money to my old account and tried to get a refund. When they couldn't I contacted cash app support. My old username ( cash app tag is my name XXXX XXXX XXXX XXXX I have the exspired ATM card to the account and it literally has a picture of my face on the profile. The old phone number attached I no longer have and the email attached went inactive from no activity. They seen my ID and know it's my account. They said they tried but can't transfer my money and close the old account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, CrossCountry Mortgage, LLC issued an official payoff quote for my mortgage loan. I paid the quoted amount via certified funds, in full, within the quote 's validation period. The payment was accepted, posted, my loan reflected as " paid in full '' with a XXXX balance, confirmation of closed loan was received from the company 's Senior Vice President, automatic payments were cancelled, and lien release processing was initiated and routed to a third party vendor for release. 

On XX/XX/XXXX, after the payoff funds had been accepted and processed, the company later reversed the payoff internally and reinstated a loan balance. They applied my certified payoff to a future month without notification or authorization. The company stated this was due to earlier payments from XX/XX/XXXX being reversed, despite the company crediting and posting them to my account. These reversals occurred 9 days after the loan had already been closed, processed, and released to a third party. 

On XX/XX/XXXX, I submitted a formal Notice of Error disputing the payoff reversal, misapplication of funds, unauthorized reversals, and continued servicing activity after payoff. In addition, I requested cancellation of Private Mortgage Insurance ( PMI ) and re-amortization in XX/XX/XXXX after a significant principal reduction so this Notice of Error disputing my PMI premiums as well. The company acknowledged this initial Notice of Error on XX/XX/XXXX via e-mail. 

On XX/XX/XXXX, an affiliate of the company, XXXX XXXX, responded to my initial Notice of Error via another e-mail. It's response failed to correct the errors, contained factual inaccuracies, and did not identify any legal authority permitting servicer to reverse a completed payoff after acceptance. The company also acknowledged my request to cancel PMI but cited internal investor requirements rather than federal law even though I provided all requested information after an 80 % LTV as it relates to the Homeowners Protection Act ( HPA ) which supersedes investor requirements. 

On XX/XX/XXXX, I submitted a follow up Notice of Continued Error and Failure to Cure via the same e-mail as the initial complaint submission acknowledgment as well as the e-mail the affiliate company used for the response. I notified the company that the payoff was continued to be disputed and that further debits were not authorized. 

As of XX/XX/XXXX, no acknowledgement of the continued error has been received, the company continues to perform servicing actions, debit escrow, and charge PMI premiums.

I requested documentation, regulatory references, and filing of my lien release. I also requested the refund of my escrow funds, post payoff funds, and improperly charged PMI premiums. The company did not respond, provide, or acknowledge these requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA XXXX  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 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I noticed that my Cash App was showing as banned and I received a strange Cash App debit card in the mail. I never used the card and immediately contacted Cash App. This was the response I received removing names for privacy : My name is [ redacted ] and I'll be your friendly expert! Thanks for your patience during the delay in the response and I know how important it is for you to know more about your Cash App account and it is a pleasure to check this for you today. 

We conducted a review of your account. Based on that review, we have found activity that violates our Terms of Service XXXX XXXX XXXX XXXX XXXX 

As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. 

For more help, visit our Cash App XXXX XXXX at https : XXXX XXXX XXXX XXXX XXXX XXXX  or contact Support directly through your app. 

If you have any other questions or concerns, dont hesitate to reach back out. 

Best Regards, [ redacted ]. 
Cash App XXXX I never received any information regarding why my account was closed and was never given the opportunity to find out what fraudulent information occurred on my account nor was I able to inquire about the strange debit card. 


Now, today XX/XX/XXXX, I received a XXXX form stating that I received {$4500.00} in card payments during the month of XX/XX/XXXX alone through Cash App XXXX XXXX XXXX code business. I do not own any businesses nor have I received any money for a business through cash app. This is clearly fraud and had Cash App allowed me to review charges I could have reported this to my credit monitoring company and been on top of this. Now I have fraudulent income being reported to the IRS on money I never received for a business I have never owned due to CashApp withholding information from me and allowing fraud to occur on their platform. There is an entire XXXX thread dedicated for others who have been in this exact situation. I should not have to foot the bill for taxes on fraud that should have been handled by Cash App. My account was closed without my knowledge, I have no access to view previous transactions and Cash App has been unhelpful. I have no confidence in Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I repeatedly requested a replacement credit card over several months and never received XXXX. As a result, I could not use or access the card. Despite having a XXXX balance, fees accrued on the account without my knowledge or access. 

I was later told by a Regions representative that the credit card had been closed months earlier due to an overdue {$8.00} balance, without any prior notice by mail, email, or phone. I immediately paid the {$8.00} balance. After that payment, I completely lost online access to the credit card and could not confirm the accounts status. 

Since then, different Regions representatives have given me conflicting information, with some stating the account is closed and others stating it is not. I have no way to verify this because I can not log in or view the account. 

I requested closure of all my Regions accounts, including checking and the credit card, last week. I have received no written confirmation by mail or email. To my knowledge, all balances are paid in full. If any additional fees accrued on a credit card I could not access, those fees should be removed. 

I am requesting written confirmation that the credit card account is permanently closed with a XXXX balance, and correction or removal of any negative credit reporting that resulted from this {$8.00} balance and Regions failure to provide notice, access, or accurate account information.

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and XXXX XXXX state laws, including the XXXX Consumer Fraud Act and the XXXX  Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the XXXX XXXX statute of XXXX XXXX proof of an active XXXX  debt collection license, and evidence their initial notice met all Regulation F disclosure requirements. 

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as XXXX XXXX laws prohibiting deceptive or unconscionable practices under XXXX. XXXX. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : XXXX. Require the collector to provide full and complete validation ; XXXX. Ensure they cease collection until validation is supplied ; XXXX. Correct or remove any unverified credit reporting ; and XXXX. Ensure compliance with FDCPA, Regulation F, FCRA, and XXXX XXXX statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year> I deposited a written check from a friend of XXXX in my PNC account. I waited out the holding time until the check cleared. They put a hold on the check because they say theyve never received a check from the person who issued it before. They attempted to do a check verification with the issuer but the phone number they found for him was incorrect. I tried to give the the correct number but they refused. I tried to have him call and when he did they told him I have to call. So basically telling us different information wasting peoples time. I ended up depositing XXXX XXXX to my account from my XXXX which I have done many times before and they also froze that. They are freezing my money for a very unfair reason. Because the issuer of the check has never written me a check before? I dont think that reason is valid enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I have been a Wells Fargo credit card customer for approximately XXXX years. My account has remained in good standing, with no delinquencies. 

Without advance notice, Wells Fargo reduced my credit limit from {$24000.00} to {$17000.00}. At the time of the reduction, my balance was approximately {$16000.00}, which immediately increased my credit utilization to nearly 100 %. 

There has been no negative change in my credit history, payment behavior, or income that would justify this action. In fact, my income has increased since the account was opened. 

This sudden reduction materially harmed my credit profile by significantly increasing utilization on a long-established account, despite responsible account management. The reduction itself created additional credit risk rather than mitigating it. 

I am requesting that Wells Fargo review this action and restore my previous {$24000.00} credit limit, or provide a clear and specific explanation of the risk factors that led to this decision. 

I believe this reduction was unwarranted given my long account history, responsible payment behavior, and stable or improved financial position.

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 2026-02-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am filing this complaint against Comenity Capital Bank ( XXXX Bread XXXX ) for a failure to provide reasonable notice regarding an account freeze, resulting in direct financial damages of {$160.00}. 

On XX/XX/year> ( a federal holiday ), the bank froze my account due to 'suspicious activity ' regarding my legitimate business travel. The bank claims this was not an error because I did not provide a 'travel notification, ' yet no such requirement exists in the Account XXXX. 

Furthermore, the banks notification was grossly inadequate. They sent a single, generic 'portal message ' email on a holiday and made no attempt to contact me via phone or SMS for XXXX ( XXXX ) consecutive days. I only discovered the freeze on XX/XX/XXXX. During this window, multiple ACH payments were rejected despite the account being fully funded. 

The bank denied my claim for reimbursement, stating that savings accounts are 'non-transactional. ' This is a bad-faith argument ; the bank actively provides and advertises 'unlimited XXXX transfers. ' By providing this service but failing to use industry-standard urgent notification ( phone call ) for a freeze, they caused me to incur {$100.00} in returned check fees and {$59.00} in credit card interest. I am seeking a full reimbursement to be made whole. I provided full documentation to the bank for each of the returned check fees and credit card interest.

Company response to consumer: Closed with explanation