vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sunbit, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Squares refusal to resolve a Square-issued physical gift card that has a confirmed balance but can not be redeemed by either the customer or the merchant due to a system-level failure. 

I received a Square physical gift card from a merchant ( XXXX XXXX, XXXX, CA ) in XX/XX/year>. The card has never been used, and Square gift cards do not expire. When I attempted to redeem it, the merchants Square XXXX system flagged the card as invalid. 

The merchant made multiple good-faith attempts to resolve the issue, including spending over XXXX minutes on the phone with Square Customer Support while I was present. During that call, Square support confirmed that the gift card does have a balance, but their system could not redeem, reissue, or transfer it.

I then contacted Square Customer Support directly. Square acknowledged the issue but repeatedly refused to take action, stating that only the merchant could resolve it. This response continued even after I explained multiple times and in writing that the merchant had already contacted XXXX and was unable to resolve the issue because XXXX support could not provide a solution. 

XXXX is now stonewalling by insisting that the merchant must re-engage, despite the fact that this path has already failed and XXXX has confirmed the existence of the funds. XXXX has refused to escalate the issue internally or provide any mechanism for resolving a legacy gift card system failure. 

The practical result is that XXXX is holding funds that XXXX acknowledges exist, while preventing both the customer and the merchant from accessing them. This is unfair, unreasonable, and inconsistent with consumer protection principles.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against BMO Bank for the abrupt closure of my checking account ( ending in XXXX ) without a clear explanation, and for the banks failure to return my funds in a timely manner. 

XX/XX/XXXX : I received a notification from BMO via mail/email stating that my account had been restricted. Upon further review, I found a prior email dated XX/XX/XXXX, regarding the same restriction. 

XX/XX/XXXX : I contacted BMO customer service. I was informed that I had been flagged as a " high-risk customer, '' that my account would be closed, and that the remaining balance would be mailed to me via check. 

XX/XX/XXXX : I followed up with BMO customer service. The representative reiterated the " high-risk '' status and confirmed the account closure and the mailing of a check. 

Present : As of XXXX, I have yet to receive the check or any formal documentation regarding the liquidation of my funds. 

1.Transparency & Risk Misclassification : BMO has failed to provide any specific reason for the " high-risk '' classification. All deposits into this account were self-transfers originating from my own account at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are verifiable personal savings movements between my own financial institutions.

2.Unreasonable Delay : While a bank has the right to close an account, they do not have the right to withhold a consumer 's legitimate funds indefinitely. The delay in issuing and delivering the check is unacceptable and causes financial hardship.

3.Customer Intent : I have always valued BMOs brand and service style. My intent was to maintain a long-term relationship for my sons education fund. The current treatment is inconsistent with the bank 's professional standing.

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 2026-01-28 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: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes formal and final notice that you are to immediately cease and desist all communication with me regarding the alleged debt you claim I owe. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX  Civil Code 1788 et seq. ), I am exercising my legal right to demand that all contact stop effective immediately. This demand applies to all forms of communication, including but not limited to phone calls, text messages, emails, letters, voicemails, and contact with any third party. 

I formally dispute this alleged debt in its entirety. Until you provide proper, written validation as required by law, you are prohibited from continuing any collection activity. 

You are hereby instructed that your only permissible responses are : XXXX. Written confirmation that you will comply with this demand ; or XXXX. Written notice of specific legal action you intend to pursue. 

Any further communication outside of these narrow exceptions will be considered knowing and willful violations of federal and California law. Such violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, and may result in civil action against your organization. 

This correspondence does not constitute an acknowledgment of any debt, nor consent to contact, nor authorization to continue collection activity. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and American Express. 

On XX/XX/year> in XXXX, XXXX, I was subjected to a high-pressure timeshare sales presentation lasting over XXXX hours. I was told I had to apply for a XXXX American Express credit card to complete the purchase. 

The true cost and financial impact were not disclosed. We paid over XXXX for a product we were unable to use. The debt was later sent to collections. 

I want to dispute this debt, I am requesting investigation, reversal of related charges and interest, and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I entered into a lease-to-own agreement with Acima for commercial tires XXXX The total lease amount is {$5100.00}. To date, I have paid {$4900.00}, which is over 95 % of the total contract amount. 

When I contacted Acima to obtain a payoff amount, I was told that I now owe {$5400.00}. This would make my total cost exceed {$10000.00}, which is more than double the total lease amount and is mathematically impossible. 

I requested a written payoff calculation and full breakdown showing : The formula used to calculate the payoff The Acima cash price All fees All payments credited How the amount of {$5400.00} was determined Acima refused to provide any written breakdown or formula and stated that my XXXX early payoff option expired on XX/XX/XXXX. They then threatened to send my account to collections while still refusing to validate or explain the balance. 

I am not refusing to pay. I am disputing the accuracy of the payoff amount and requesting documentation to support it. Given how much I have already paid, my remaining balance should be minimal, not thousands of dollars. Their refusal to provide a payoff calculation and their threat of collections without debt validation is unfair and misleading. 

The company sounds as if even you were a penny short from the XXXX XXXX rule, they will double charge with original amount and then some. They dont even email you to let you know that your XXXX  day is up otherwise I wouldve already paid the remainder balance, great way on their end to XXXX you over.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
This letter serves as my formal notice to your company in connection with violations of the Federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( hereinafter FDCPA ), which prohibits debt collectors from engaging in abusive, deceptive, and unfair practices. 
I previously sent your company notice to cease harassment practices, including but not limited to phone calls, in connection with the collection of an alleged debt. I also made a formal request for competent evidence proving that I have a legal obligation to pay the alleged debt to your company or any third party. As of the date of this letter, those requests have been ignored. 
As such, you are hereby placed on notice that your company has committed multiple violations of the FDCPA. In a reasonable effort to resolve this matter amicably, I demand the following : That you remove the collection account in question from all national credit reporting agencies, including but not limited to XXXX, XXXX, and XXXX  ; That you remove all of my personal information from your companys records ; and That your company cease and desist from selling, transferring, or forwarding the alleged debt or my personal information to any third party. 


Your actions give rise to a viable claim for federal action due to violations of the FDCPA. Accordingly, I advise that you comply with the above demands to avoid litigation against your company. 
I have consulted with counsel regarding my available options and avenues of redress, and I am prepared to take swift legal action if necessary. 
Failure to comply with the aforementioned demands within XXXX ( XXXX ) days from the date of this letter will result in a lawsuit being filed against your company without further notice. 
Please note that this letter constitutes a formal notice of intent to sue, and all documents and communications including electronically stored information relating to me or any potential claims must be preserved to the fullest extent required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: ROBINHOOD MARKETS INC.
State: VA

Complaint narrative:
So ive had a Robinhood account for a nice while and i really like using the app but my last deposit was still settiling, i used my given instant funds from robinhood but went into a negative balance which was the XXXX  time id had a deposit fail too settle resultijg in my negative account balance. Well a year later i was ready too pay it off and the following week of me doing so my account was permanently closed. Its been a few years since then and im more than eilling too cover any remaining negative balance sitting in that account but when spoken to there representatives that wont give me any info other than that my account was permanently closed an irreversible well i did some digging really liking there brokerage and not wanting too chage. I find yall & that itd might be worth my shot recovering my account with yalls help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: FL

Complaint narrative:
This account is not mine. This company 's phone number is not valid. Their website will not even allow me to log in to see this supposed debt. They have not even reached out to me because they do not have my information because it is not my debt! They are known for being fraudulent and hounding people for debt that they do not really owe. This is on my credit report and I have tried to dispute it to get it removed, and they continue to deny the dispute. This needs to be removed from my credit immediately or I will pursue repurcussions to the fullest extent of the law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : Midland Credit Management Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within XXXX  days. 
Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA. 
Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights. 
Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within XXXX  days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported. 

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Credit Sage LLC
State: CT

Complaint narrative:
In XX/XX/XXXX I tried calling XXXX solutions. Typing their name on XXXX, the first link that pops up states their name and is misleading as if it is XXXX solutions but it is not, it is a company called Credit Sage. I spoke with an agent on the phone who claimed they work with XXXX XXXX all the time and help people fix their credit scores and negative remarks. On XX/XX/XXXX the agent prompted me to start service ensuring they would fight on my behalf with letters sent to credit bureaus to remove negative marks on my credit report. Stating the fee of {$370.00} was the initial set up and research cost and that the amount I owed the debt collector would be taken from the {$370.00} and paid to the collector to pay off my debt. He stated service would continue and letters would be sent out monthly for a subscription of {$99.00} per month and should be completed in XXXX days. I have been charged {$99.00} per month from XX/XX/XXXX, to XX/XX/XXXX with no changes on my report, and my debt was never paid. I ended up finally reaching XXXX XXXX the actual debt collection agency and paid my debt in full, and was told my account would be cleared within XXXX  days. I believe I was lied to, mislead, and stolen from - from credit sage. They never intended to pay my debt and actually fight on my behalf to clear my report but instead continue to take my money every month without me knowing or receiving receipts of payment. I called on XX/XX/XXXX to cancel my subscription but it was never cancelled and they denied i tried canceling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I experienced prolonged delays and repeated servicing errors related to insurance loss draft escrow funds. I have XXXX insurance claims : XXXX for bathroom/basement damage ( XXXX ) and XXXX for kitchen damage ( XXXX ). 
Beginning in early XXXX, multiple inspections related to the kitchen claim were incorrectly uploaded under the wrong claim number ( XXXX ). Despite requesting corrections and inspections multiple times, the error continued. I requested inspections at least XXXX times, and XXXX inspections were completed but misfiled. 
For months, I was repeatedly told by Shellpoint representatives and supervisors that funds were being released or that they were working with field services, but no corrections were made and no funds were released. Internal notes later showed that the file reflected they were waiting on me to provide a correct scope, which was inaccurate. 
In late XXXX and early XXXX, Shellpoint acknowledged that inspections and documentation were misapplied and stated the inspection percentage was corrected to 98 %. However, the delay continued, and the escrow funds still were not released. 
Shellpoint failed to properly coordinate with its vendors, failed to correct internal records in a timely manner, and provided inconsistent and misleading information over several months, resulting in an unreasonable delay in releasing insurance proceeds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: CA

Complaint narrative:
To Whom It May Concern, This letter constitutes formal and final notice that you are to immediately cease and desist all communication with me regarding the alleged debt you claim I owe. 

Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) and the XXXX  XXXX Fair Debt Collection Practices Act ( XXXX Civil Code 1788 et seq. ), I am exercising my legal right to demand that all contact stop effective immediately. This demand applies to all forms of communication, including but not limited to phone calls, text messages, emails, letters, voicemails, and contact with any third party. 

I formally dispute this alleged debt in its entirety. Until you provide proper, written validation as required by law, you are prohibited from continuing any collection activity. 

You are hereby instructed that your only permissible responses are : XXXX. Written confirmation that you will comply with this demand ; or XXXX. Written notice of specific legal action you intend to pursue. 

Any further communication outside of these narrow exceptions will be considered knowing and willful violations of federal and California law. Such violations will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX  Attorney Generals Office, and may result in civil action against your organization. 

This correspondence does not constitute an acknowledgment of any debt, nor consent to contact, nor authorization to continue collection activity. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I paid off my vehicle loan in full on XX/XX/XXXX XXXX XXXX has failed to release the electronic XXXX on my XXXX XXXX the Florida XXXX system. I was told the release would happen on XX/XX/XXXX, but the company has now delayed it until XX/XX/XXXX without a valid reason. This delay is preventing me from obtaining my title. I request an immediate electronic lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: HI

Complaint narrative:
On XX/XX/XXXX, I received a notification from the CashApp app, saying Get up to {$20.00} in bitcoin. I read the terms, screenshotted it, and successfully fulfilled the offer terms. The terms stated that the {$20.00} bitcoin bonus would be applied to my account no later than XX/XX/XXXX. I made sure to confirm with their in-app support team that i successfully completed the offers terms and just had to wait until XX/XX/XXXX. The support team confirmed this. 

On XX/XX/XXXX, my account was credited only {$10.00} in bitcoin, not {$20.00}. Upon texting their in-app support team, they said the offer was only for {$10.00} worth of bitcoin, despite me providing screenshots of the original {$20.00} offer. 

CashApp is lying, their support team is a joke, and they deserve further scrutiny by government banking officials.

Company response to consumer: Closed with explanation