vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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: U.S. BANCORP
State: CA

Complaint narrative:
I purchased the XXXXXXXX XXXX XXXX XXXX XXXX  for {$600.00} from the store on XXXX ( id. XXXX ) on XXXX, XXXX. I received the bracelet on XXXX, XXXX, but there were some errors on the bracelet ( the location of lettering and the shape of clasp were different from item description ). I immediately contacted the seller and let her know about the errors I found on the product. she admitted that there were mistakes on her side. The new employee sent me a wrong product and she said she will make new ( corrected ) bracelet and resend it to me. At that point, she did not provide any return instruction so I decided to wait until she's ready to reship the new product. often times, the seller let the customers keep the defected product because of high return shipping fee. I also found out that this bracelet was not XXXX XXXX XXXX I ordered. it was XXXX XXXX XXXX I was I patiently waited about 3 weeks by checking the status of the new production with the seller about once a week since she didn't give me any updates unless I asked. Every time when I asked about the status, she said it's still under production, then when I asked about it last time on XXXX XXXX, XXXX, she didn't respond after seen my message. I asked again on XXXX, XXXX, She didn't read my message at all. From that point, I couldn't see her post. I tried to log on to her XXXX store by computer, it was still there selling products. The seller intentionally blocked me so I couldn't see her posts and ignore my message. The seller intentionally cancelled our transaction all by herself without saying anything. she broke the promise to resend the right bracelet.

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: 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: TX

Complaint narrative:
My Cash App account was closed with a remaining balance. Cash App states I am allowed to withdraw my funds, but all withdrawal methods were disabled. I was instructed to file an appeal to access my funds. I provided all requested information, and more than 10 days have passed with no resolution or update. My money remains inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: CO

Complaint narrative:
This auto loan is formally disputed due to the sale of a materially defective vehicle. 

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX. Shortly after the purchase, the vehicle began experiencing serious XXXX issues. The defect was later confirmed by an authorized XXXX dealership, which determined that the XXXX XXXX failure was a pre-existing material defect present at the time of sale. The vehicle is unsafe and not fit for normal use. 

Despite providing documentation of the defect, XXXX refused in writing to rescind the contract or resolve the matter. As a result, the associated auto loan is based on a defective transaction. 

I contacted the finance company to formally dispute the loan and requested an investigation, a temporary payment hold, and confirmation that no negative credit reporting would occur while the dispute is under review. The company failed to provide adequate investigation or written confirmation. 

I have filed a formal complaint with the XXXX Attorney General regarding the sale of the defective vehicle ( Reference : XXXX ). 

I am requesting that the finance company : XXXX ) Conduct a proper investigation of the disputed debt XXXX ) Place the account on payment hold during the investigation XXXX ) Refrain from any negative credit reporting while the dispute is pending Any collection or credit reporting activity without proper investigation would violate consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
XX/XX/XXXX : Charged {$360.00} by XXXX  on Apple Card for XXXX NY XXXX XXXX ( case XXXX ). 

XX/XX/XXXX ( <24hrs ) : Called supportrep # 1 confirmed XXXX  XXXX  available in my area, approved cancel w/ possible {$50.00} fee. Rep # 2 denied full refund, refused escalation. 5+ cancel requests total ( phone/email ) no XXXX  ever received, account stayed active. 

Disputed twicedenied. XX/XX/XXXX Goldman requested evidence ( deadline XX/XX/XXXX ). Submitted XXXX XXXX ( attached file-120.pdf ) : - Screenshots : Active XXXX  profile post-cancel. 
- Emails to XXXX demanding delete/refundno reply. 
- XX/XX/XXXX audio recording/transcript : Rep admits no XXXX customers/XXXX  , can't cancel/delete acct, no refunds policy. 
- Notes : Multiple prior cancels ignored. 

XX/XX/XXXX denial ( file-1.pdf ) : " No billing error/no evidence '' despite my submissions. Refused digital XXXX representment; claimed priority mail 8-10 days ( none received after 4+ months ). Still no merchant proof shared. 

XXXX  delivered no service ; Goldman 's process violated timely investigation ( Reg Z ). Request full reversal, evidence disclosure, resolution. 

XX/XX/XXXX : {$360.00} XXXX Apple Card charge ( case XXXX, XXXX NY XXXX ). 

XX/XX/XXXX ( <24hrs ) : Calledno XXXX  per rep, cancel denied despite requests. 

XX/XX/XXXX Goldman requested evidence. Submitted XXXX XXXX : - Screenshots : Active acct post-cancel. 
- XX/XX/XXXX recording summary : Rep " no XXXX XXXX/customers, can't delete acct, no refunds. '' - XXXX  emails : Refund/delete ignored. 

XX/XX/XXXX denial : " Goldman re-investigated... no billing error. 'No evidence to substantiate. ' Temp {$360.00} credit reversed. '' ( Full email copied above ). Refused digital XXXX  proof ; mail delay 8-10 days ( none rec 'd 4+ mos ).

No service provided. Request reversal/investigation/explanation.

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 — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I filed a fraud claim with Wellsfargo for unauthorized transactions. The bank reviewed the claim and concluded that the transaction was authorized or didnt qualify as fraud under their policy, so they denied reimbursement.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint against XXXXesurgent Lvnv Funding for unlawful debt collection and improper credit reporting.

Company name : Resurgent Lvnv Funding Account Number : XXXX Resurgent is not licensed or registered with the Florida XXXX XXXX XXXX XXXX, as required under Florida Statutes 559.553, yet has attempted to collect an alleged debt from me and furnished information to consumer reporting agencies. 
On or about XX/XX/year>, I timely requested debt validation pursuant to 15 U.S.C. 1692g. The company failed to provide proper validation of the alleged debt, including proof of ownership, proof of the debt, the amount owed, and its legal authority to collect.

Despite lacking licensure and failing to validate the debt, the company continues to report this account to consumer reporting agencies, which constitutues the furnishing of inaccurate and unverified information. Reporting a debt that is not legally collectible due to lack of licensure and failure to validate is an unfair and deceptive practice under 15 U.S.C. 1692e and 1692f, as well as the Florida Consumer Collection Practices Act ( 559.72 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have 3 American Express gift cards amounting to a total of {$550.00} that do not work at any merchant ( online or in-store ). I contacted American Express and they said that it is being declined because the companies are not asking for the cvv code ( which is not the case ). They also said to try in store, but that is not working either. I have tried XXXX, XXXX, XXXX XXXX, hair salon and all transactions were declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
My bank submitted a check start of XXXX, we sent it to the address on the website. 15 business days later upstart did not cash it. I called upstart to check the status and was informed by the upstart employee that the address was wrong and there as no process to have the check cashed by upstart and it would never cash and i had to send a new check, which i did per upstart 's instructions. The next business day the check was cashed, the original that upstart claimed would never be cashed. I got the payoff details and paid off the remainder of the loan. Everything was processed XX/XX/XXXX. XX/XX/XXXX, i receive a thank you for paying off your loan email from Upstart. XX/XX/XXXX the check was marked as failed on XX/XX/XXXX. The new check my bank sent was cashed on the XXXX of XXXX. Now upstart is claiming I owe {$170.00} with interest continuing to accrue daily. I only canceled the check because upstart told me to, if I had not everything would have been done. They also retro-dated the interest over a week even though the check and account were complete from XXXX XXXX XXXX. This is fraud to have me send a new check to get more accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I was told to make a payment of XXXX on XX/XX/XXXX. I had made the payment in a money order sent it through XXXX  from the address that was given to me and it is missing and now they are still trying to repossessed my car when I did everything I needed to do to avoid this. I also gave them the tracking number and they are saying they never got it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Unlawful Account XXXX and XXXX of XXXX XXXX. 

I contacted XXXX Bank on XX/XX/year>. We spoke for XXXX minutes and XXXX seconds starting at XXXX PM. During this call, I explicitly notified the bank of a documented medical hardship ( XXXX ) and offered a doctor 's letter as proof. The representative refused to review the medical evidence and stated the funds would not be returned. They further stated they would continue to seize my account unless I disclosed new financial data. 

I am asserting my right to the {$2500.00} exemption under XXXX. c. XXXX, XXXX. The banks offset of {$200.00} and {$710.00} has seized funds required for my familys basic survival. 

Without these funds, I am unable to pay for : XXXX 's Necessities : Diapers and food. 
Essential Utilities : Phone and internet ( required for my employment and medical care ). 
Transportation : Mandatory MA car insurance and my car payment.

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
Im filing this complain regarding inaccurate items on my credit report that continues to negatively impact my credit. Under law 15 U.S.C. 1681 Despite my efforts to resolves this directly with reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.

Account Name : Rent Recovery Solutions Account Number : XXXX Account Name : XXXX XXXX/XXXX XXXX Account number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I am submitting this complaint regarding Sunrise Credit Services , Inc., a third-party debt collector acting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ). 

Sunrise Credit Services has filed a collection account against me for an alleged utility debt in the amount of nearly {$40000.00}, and has reported this collection to all three major credit reporting agencies. I dispute this debt in its entirety. 

I do not recognize this alleged obligation, the amount claimed makes no logical or factual sense, and Sunrise Credit Services has failed to substantiate that this debt belongs to me. I have never received valid documentation showing how this balance was incurred, what service address it allegedly relates to, or how the amount was calculated. 

During prior phone conversations with Sunrise Credit Services, their representatives acknowledged that the debt appeared incorrect and agreed that it did not make sense. During my most recent call, Sunrise Credit Services explicitly agreed to nullify the collection account and notify the credit bureaus to remove the tradeline. Despite this agreement, no correction has been made. 

Since that conversation, Sunrise Credit Services has failed to follow through on its commitments, and is now unresponsive to both phone calls and emails. Meanwhile, the inaccurate collection remains on my credit reports, causing ongoing harm. 

Sunrise Credit Services actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : -Reporting an unverified and disputed debt as accurate -Failing to provide substantiation upon dispute -Continuing collection and credit reporting activity after acknowledging the debt is incorrect -Failing to correct or delete inaccurate credit information after agreeing to do so -This collection account is materially inaccurate, unsupported, and damaging. Sunrise -Credit Services has had ample opportunity to correct the issue voluntarily and has failed to act in good faith. 

Because Sunrise Credit Services is no longer responding and has not honored its own representations, I am requesting regulatory intervention. I am requesting that Sunrise Credit Services be required to : -Immediately delete the collection account from all credit bureaus -Cease all collection activity related to this alleged debt -Provide written confirmation that the account has been nullified -Correct any inaccurate information previously furnished to consumer reporting agencies I am filing this complaint to protect my rights as a consumer and to prevent further harm resulting from inaccurate and unsubstantiated credit reporting.

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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AZ

Complaint narrative:
Complaint Narrative : I disputed a {$600.00} Cash App Card transaction at XXXX XXXX dated XX/XX/XXXX. Cash App denied my dispute and appeal. In XX/XX/XXXX, Cash App repeatedly asserted in writing that a refund of {$600.00} was successfully deposited into my Cash App account on XX/XX/XXXX at XXXX AM XXXX. However, I never received, possessed, accessed, or retained those funds. 

I provided Cash App screenshots and documentation showing no usable credit or balance increase occurred. Despite this evidence, Cash App continued to falsely represent that the refund was completed and closed the complaint without correcting the error. 

This conduct violates the Electronic Fund Transfer Act and Regulation E error-resolution requirements, constitutes deceptive practices under the Consumer Financial Protection Act, and reflects unsafe funds settlement practices. Ledger posting without consumer delivery is not a completed refund. 

I request that CFPB require Cash App and its partner bank to : XXXX. Conduct a forensic reconciliation audit of the alleged refund. 
XXXX. Deliver the {$600.00} to me immediately or issue a check. 
XXXX. Correct internal controls failures. 
XXXX. Provide written confirmation of fund settlement. 
XXXX. Assess regulatory enforcement if systemic issues exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
SUMMARY OF COMPLAINT I am requesting the Consumer Financial Protection Bureau to investigate and intervene in XXXX solar loans I obtained, due to extensive misrepresentation, installation defects, ongoing system failures, and permanent loss of all warranties after the XXXX filed XXXX  XXXX bankruptcy shortly after installation. 

ISSUE XXXX MISREPRESENTATION & DECEPTIVE SALES PRACTICES The XXXX provided multiple conflicting proposals, changed system sizes, misrepresented production, and promised warranties and long-term service that they never intended to provide. 

The system was financed based on : XXXX workmanship warranty XXXX labor warranty Lifetime roof XXXX guarantee 25 years of free service Monitoring and technician support These promises were not true. 

ISSUE XXXX SYSTEM FAILED IMMEDIATELY AFTER INSTALLATION Within XXXX weeks of installation ( XX/XX/XXXX ), the system experienced : Microinverter failures Breaker trips Array shutdowns Nonproduction even on clear days Emails from XXXX XXXX show repeated attempts to get service with no success. 

ISSUE XXXX ONGOING FAILURES DOCUMENTED BY ENPHASE Enphase ( the manufacturer ) documented : Wiring defects Possible junction box issues Branch circuit problems Multiple microinverters offline System-wide failures Enphase repeatedly XXXX a technician was required onsite. The installer never sent XXXX. 

ISSUE XXXX INSTALLER BANKRUPTCY AND LOSS OF ALL WARRANTIES XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy in XX/XX/XXXX, confirmed by XXXX  records. 

XXXX confirmed in XX/XX/XXXX : Your installer is out of business. 

All warranties included in my financed contracts are now permanently void. 

ISSUE XXXX LENDERS CONTINUE TO COLLECT PAYMENTS FOR A DEFECTIVE, UNSUPPORTED SYSTEM Both Dividend Financial and Regions ( XXXX ) continue to collect payments despite : System failure XXXX bankruptcy No warranty coverage Unsafe wiring issues Four-year history of defects XXXX ability to obtain required repairs This constitutes an unfair and abusive lending practice.

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 2026-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lien Receivables LLC
State: TX

Complaint narrative:
I am being harassed by a debt collector, Lien Receivables LLC, attempting to collect an alleged towing/impound debt on a XXXX XXXX XXXX . I dispute this debt entirely. 
On XXXX XXXX XXXX I received collection texts and letters demanding payment of approximately {$3800.00} and threatening court action. On XX/XX/XXXX, I formally disputed the debt and requested written validation, including proof of liability, itemized charges, tow authorization, proof of XXXX notice, and documentation of the lien sale. I also requested that they cease contacting me by phone and text. 
Despite this, the company has continued contacting me repeatedly from multiple phone numbers. They have also begun contacting third parties including my brothers wife, other family members, and my spouse. This has caused distress and embarrassment and appears to be an improper attempt to pressure me into payment. 
A representative sent abusive and threatening messages, including calling my dispute uneducated, threatening to verify my employment with HR, and stating they would contact my employer. These threats were made despite there being no court judgment. They have also claimed they will bring this to court while refusing to provide any validation of the alleged debt. 
Their conduct includes : Continuing to contact me after I disputed the debt and requested cease contact Contacting third parties about the alleged debt Threatening employment verification and legal action Using multiple phone numbers to continue harassment Refusing to provide proper debt validation This behavior appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including improper third-party contact, continued collection activity after dispute, and harassment/intimidation. 
I am requesting that this conduct be investigated, that the company cease all contact with me and third parties, and that they be required to provide proper validation if they believe they have any legitimate claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation