vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cash App keeps ignoring my XXXX to XXXX request and the CFPB enforcement action meant to settle my disputes over a documented fraud/scam thats been ongoing for XXXX years. They keep using the same Terms of Service excuse to resolve disputes, disregarding both the XXXX to XXXX policy and their own updated commitment to fix fraudulent claims as required by the CFPB settlement. Ive repeatedly tried to work this out with their complaints department, but they keep asking for more documentation Ive already sent multiple times, and claim I didnt file within XXXX daysdespite me filing immediately after it happened. This is becoming increasingly misleading, as they have all my submitted documentation yet refuse to resolve things amicably. These disputes remain unresolved, and Cash App continues to ignore both enforcement and refund policies. The claims involve {$3300.00} for services I never received from XXXX XXXX and XXXX XXXX, and I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I have had an auto loan with Ally Financial since 2020. I have made numerous payments throughout the life of the loan. After reviewing my account, I believe some payments were not properly credited and additional fees have been added that I do not understand or believe are accurate. Although the vehicle is nearly paid off, Ally Financial has placed my account in default and is threatening repossession. I am requesting a complete payment history, an itemized accounting of all fees and charges, correction of any misapplied payments, and suspension of repossession efforts while the account is investigated. last XXXX digit of the account is XXXX

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 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: NC

Complaint narrative:
I reached out by email to Dave customer support within the proper time frame to revoke XXXX authorization and was told I was unable to because it was a single time transaction. When provided with the resources from your site on my rights to revoke access regardless of transaction type, I was once again told I was unable to. I was revoking access as a way to protect my account. Im still in contact with Dave customer support as they are connecting me with a higher positioned individual for further assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
Date : XX/XX/year> To : Jefferson Capital Systems LLC Re : Alleged Debt Balance {$1400.00} To Whom It May Concern : I am writing regarding the above-referenced account that you are reporting and attempting to collect. I dispute this alleged debt and request validation pursuant to the Fair Debt Collection Practices Act Until proper validation is provided, I request that all collection activity cease and that no further reporting occur without verification of the debts accuracy. If you are unable to validate the debt, I request that you delete any credit reporting related to this account and notify all credit reporting agencies to which you have furnished information. This letter is not an acknowledgment of liability and does not constitute a promise to pay. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I have banked with Citizens for over 10 years. My account was overdrawn on XX/XX/XXXX. I was assessed 5 overdraft fees on the XXXX and 2 more on the XXXX for a total of 7 overdraft fees at {$35.00} each for a total of {$240.00}. My husband 's check went in on the night of the XXXX. I called to see if they could reverse the fees as it took a huge amount out if my husband 's check. The first rep said she can only do 1 reversal and transfered me to a Supervisor. He told me that he was only allowed 2 more reversals. I advised him that I'm disabled and that in refusing to reverse all the charges would cause me financial hardship. I won't be able to get my medications, groceries or pay my electric bill. He referred me to a branch to see if they would be willing to reverse the rest. I advised being disabled it's difficult to get out of the house. He said that's all he could do. When I asked to speak to a person above him he refused and sated he was " it ''. I called the branch, and I'm glad I did, because I was told that the branches aren't able to do overdraft reversals. I called customer service back again to advise of what I was told and spoke to a 4th person who did say that he had no idea why the other person told me that because they can not do that at the branch. I explained what was going on and the hardship I would face if that money wasn't returned and was told that's all they can do for me. Losing that money will cause me to not be able to get my meds, groceries or pay my electric bill. I find 7 overdraft fees to be excessive considering I knew my spouses check was going into the account the night of the XXXX. I'd like to have the remaining fees reversed so I can have the money to get the necessities I need to live.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX Re : Request for Investigation Under the Fair Credit Reporting Act Dear XXXX XXXX XXXX, I am writing to dispute inaccurate information appearing on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed information. The account listed below contains information that I believe is inaccurate and/or can not be properly verified : Creditor : LVNV Account Number : XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that you investigate the accuracy of this account. Specifically, I dispute the following : * Account status reporting * Payment history reporting * Balance reported after closure ( if applicable ) * Date of first delinquency ( if applicable ) * Any late payments reported inaccurately Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: VA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: OK

Complaint narrative:
I received repeated text messages from Waypoint Resource Group , LLC, a debt collector. I replied STOP multiple times as instructed in their messages, including on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite opting out repeatedly, they continued sending collection texts. I am requesting that they cease text communications and comply with my opt-out requests.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XXXX, I purchased an item from XXXX XXXX XXXX through the AuctionNinja online auction platform for {$3800.00}, paid with my XXXX card. The item was listed as " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, '' and was represented as genuine and authentic. After receiving the item, I had it professionally examined, and on XX/XX/year>, it was determined to be counterfeit. Authentication was again performed by XXXX 's XXXX XXXX XXXX on XX/XX/year>, again confirming the item is not authentic. I have this authentication in writing. I also received verbal authentication from the other jewelers verifying that the item was not authentic. I promptly filed a dispute with XXXX in XX/XX/year>, within days of discovering the item was counterfeit. XXXX issued a temporary credit while the dispute was investigated. On XX/XX/year>, XXXX denied my dispute. The sole reason given was that " the merchant did not respond, '' leaving the matter at a " standstill. '' XXXX then reversed the temporary credit. I am filing this complaint because XXXX 's stated reason does not address the substance of my claim. A merchant 's failure to respond is not a valid basis to resolve a dispute against the cardholder, and XXXX 's denial did not engage with my central evidence : documented professional authentication proving the item I purchased is counterfeit. I disputed the charge promptly upon discovering the counterfeit, and I have provided, and can provide again, written proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank i made a claim and disputed a charge on my card to return my money when the merchant a rv dealer did not deliver the rv i filed claim the bank accepted the merchant had given me cash instead of return my deposit on my card which the bank accepted this version claim # XXXX i sent the bank a copy of the so called payment a cash refund on his clover which is a pos system. they reversed the charges without properly investigation relying on automated responses ithe picture i sent was from the dealer it does not have my name nor does it show my debit card ending in XXXX just shows the refund of cash with no other information to back up his claim which the bank accepted a fraudulant unverified non-itemized generic receipt as proof of cash payment which the text i sent clearly shows i recieved no such payment i have requested a appeal they refuse i have demanded the merchant show the terminal audit trail for that day any thing with proof the refund was provided he should be able to show the audit as well as the transaction where the money waas drawn from his bank he caanot he has actedd in bad faith deceptive practices as well as fraudulant actions to the bank to avoid giving me my refund for never producing or delivering the rv that i purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sezzle Inc.
State: VA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have already filed complaints regarding Midland Credit Management and Midland Funding, and at this point I fully expect another generic response. That's fine. Please understand that your response will be preserved and reviewed. I never received an initial notice for any of these alleged debts. I have repeatedly requested proper validation and documentation regarding the following accounts : Midland Account # XXXX ( XXXX XXXX ) {$540.00} Midland Account # XXXX ( XXXX XXXX ) {$710.00} Midland Account # XXXX ( XXXX XXXX ) {$1500.00} Instead of providing the documentation requested, Midland continues reporting these accounts and allowing them to be verified despite material discrepancies across the credit bureaus. For Account # XXXX : XXXX reports Collection/Charge-Off. XXXX reports Open Account with Late 120 Days status. XXXX reports Date Opened XX/XX/XXXX. XXXX reports Date Opened XX/XX/XXXX. For Account # XXXX : Experian reports Collection/Charge-Off. XXXX reports Open Account with Late 120 Days status. XXXX reports Date Opened XX/XX/XXXX. XXXX reports Date Opened XX/XX/XXXX. XXXX reports Date Last Active XX/XX/XXXX. For Account # XXXX : Experian reports Collection/Charge-Off. XXXX reports Open Account with Late 120 Days status. XXXX reports Date Opened XX/XX/XXXX. XXXX reports Date Opened XX/XX/XXXX. Equifax reports Date Last Active XX/XX/XXXX. If XXXX possesses documentation supporting this reporting, produce it. I have repeatedly requested proper validation, including : Original creditor information Complete payment history Date of default Date of last payment Itemization of the balance Documentation showing Midland 's ownership or assignment of the debt Records supporting the dates being reported Records supporting the payment status being reported Records supporting the balances being reported An invoice or account summary generated by Midland is not the documentation I requested. Under the FDCPA, consumers have the right to dispute alleged debts and request validation. Under the FCRA, information furnished to consumer reporting agencies must be accurate and capable of verification. XXXX XXXX reporting standards require consistent and accurate reporting. At this point, either provide the documentation supporting these accounts and explain the reporting discrepancies, or explain why these accounts continue to be reported despite conflicting information across the nationwide consumer reporting agencies. If the response is another generic conclusion without the documentation requested, thank you in advance. That response will be preserved as part of my records and reviewed by counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Subject : Complaint Regarding Withheld Refund Funds, Mishandled Dispute, Account Closure, and Request for Return of Funds I am submitting this complaint regarding the handling of my account, refund transactions, and dispute process involving Current and XXXX. I purchased products from XXXX totaling more than {$400.00}. After receiving the items, I determined that the products did not meet my expectations in quality and I returned them in accordance with XXXX return policy. The purpose of the return was to receive a refund of my money, not store credit or restricted access to funds. Around the same time, Current closed the card associated with my account. I repeatedly contacted both Current and XXXX regarding the status of my refund, I know that refunds sent to a closed card could still be processed through the underlying account but XXXX rejected to proceed, they offered only store credit which I am not even able to use. Despite these representations, I received inconsistent and contradictory information from both companies. I spent many hours communicating with customer service representatives attempting to resolve this issue. I was told that a case would be opened, that records existed documenting the matter, and that disputes had been initiated and reviewed. Subsequently, representatives denied prior statements or provided conflicting explanations regarding the status of the dispute and refund. On repeat. XXXX continues to send automated messages stating that my refund is being held pending the outcome of a dispute asking me to wait for the resolution and use a different card for a purchase, I repeatedly messaged them that Im extremely disappointed with this, that I want my money back and would like to speak with a human. However, the dispute process has already been resolved multiple times, and no clear explanation has been provided as to why my funds continue to be withheld. At the same time, I am unable to access, use, withdraw, or receive the refund money that rightfully belongs to me. The continued withholding of my refund, the lack of transparency, and the conflicting information provided by both companies have caused significant frustration, mental and physical distress - I feel sick to my stomach, XXXX, and concern regarding the handling of my finances, leaving me believing that they both take an advantage of me and my bank doesnt help nor protect me, only causes problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble getting information about the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Vanilla Visa Gift Card with a value of {$500.00} was purchased and activated at XXXX. The card was received in its original sealed packaging. When attempting to use the card, I discovered that part of the card number is missing or obscured, making it impossible to check the balance, activate, register, or use the card. I still have the original gift card, the original packaging, and the XXXX purchase receipt showing that the card was purchased and activated for {$500.00}. I attempted to contact Vanilla Gift Card customer service by phone and online but was unable to obtain assistance or a resolution. Because the card number is incomplete, I can not access the funds associated with the card. I am requesting that Vanilla investigate this issue and provide a replacement card or restore access to the funds. I can provide photographs of the card, packaging, and receipt as proof of purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: KS

Complaint narrative:
They say I owe {$3000.00} I only borrowed {$2300.00} in late XXXX of XXXX. XX/XX/XXXX I made my first payment of {$330.00} on XX/XX/XXXX. Only 7 days later CashNetUSA took unauthorized and unexpected withdrawal from my account on XX/XX/XXXX of {$380.00}. This unexpected and unauthorized withdrawal caused me to incur a {$36.00} overdraft fee. Because of this, I removed CashNetUSAs ability to withdraw any other monies from my account. Instead, I mailed checks to CashNetUSA on this schedule : XX/XX/XXXX {$500.00} XX/XX/XXXX {$500.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$500.00} I have pictures of all XXXX cancelled checks So I have paid {$2600.00} so far on a {$2300.00} loan. Cash net says I still owe {$3000.00} The rep said my interest rate is like 289 %! Is that allowed in the XXXX? CashNetUSA is {$320.00} ahead on the deal. They continue to harass me. I want them off my back and I want to hold them accountable for unauthorized deduction. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XX/XX/year> To : XXXX XXXX XXXX / XXXX Re : Request for Investigation Under the Fair Credit Reporting Act Dear Sir or Madam, I am writing to dispute inaccurate information appearing on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed information. The account listed below contains information that I believe is inaccurate and/or can not be properly verified : Creditor : SELF FINANCIAL INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that you investigate the accuracy of this account. Specifically, I dispute the following : * Account status reporting * Payment history reporting * Balance reported after closure ( if applicable ) * Date of first delinquency ( if applicable ) * Any late payments reported inaccurately Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Additionally, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be deleted from my credit file.

Company response to consumer: Closed with explanation