vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: OK

Complaint narrative:
Cash app account closed it had {$90.00} dollars in my account and I can't recover my account to access my funds. My cash tag is XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an account with Truist that qualified for a bonus offer if direct deposit requirements are met. When opening this account, the bank branch couldn't enroll me in the offer but reassured it would be done later by a special team. I then went and obtained from the bank a letter showing date of enrollment in the promo. Since that date, I met the requirements with direct deposits from payroll - attached. The bank is refusing to pay me my bonus. Once all direct deposits are added since enrollment date, they will add up to over XXXX dollars. I have escalated with the branch and bank leadership without success. Please assist.

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 2026-03-17 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company has bought account changed dates and keeps updating the account it is over 8 yrs and they keep updating and altering information which was fraudulent to begin with. But by law its been over 7 yrs and I keep disputing with no relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Reporting mortgage fraud on my homesteaded property by Rocket Mortgage. Please see the attached statement, 1099, Escrow Analysis & Screenshot to confirm the fraudulent increases via escrow and illegal fees with an unjustified increase in the APR as well as equity theft by misreporting payoff amount versus historical payment data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CA

Complaint narrative:
I disputed a charge with Goldman Sachs ( Apple Card ) for merchandise not as described. I ordered XXXX XXXX XXXX sneakers, but received a CHEAPER and different color/model. I notified the merchant immediately and provided photos. The merchant acknowledged the issue and initially instructed me to return the item for a refund. I informed the merchant that I would be traveling internationally and unable to complete the return within their short window. When I returned to the United States, I attempted to return the item in unworn, original condition, but the merchant refused to accept the return solely due to their return window. The merchant refused to extend the window, even when I told them I'd file a chargeback with my bank. So, I filed a dispute with Goldman Sachs. Then, Goldman Sachs denied my dispute twice, stating that I did not return the item within the merchants timeframe, but did not properly consider that the merchandise was incorrect and that the merchant refused to accept a return despite my willingness to return it. I am still willing to return the merchandise and request that Goldman Sachs properly evaluate this as a merchandise not as described dispute rather than a missed return window. I am requesting that this dispute be reviewed again and that the charge be reversed or that I be allowed to return the item for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding a XXXX XXXX XXXX, XXXX XXXX. I voluntarily informed XXXX that the vehicle was not operational and arranged for it to be picked up. However, I was never provided any written Notice of Repossession or documentation confirming that the vehicle was taken. I have repeatedly contacted Santander and was told that documentation would be emailed to me, but I never received anything. They have failed to provide any proof of repossession, the company that took the vehicle, or where the vehicle was taken. Despite this, Santander is attempting to collect a balance of {$4200.00} without providing : Proof of repossession Proof of sale or disposition of the vehicle A breakdown of how the balance was calculated Information regarding my personal belongings left in the vehicle Additionally, my license plate ( XXXX ) has been used in toll violations on a completely different vehicle, which has been confirmed by the toll authority. This indicates the plate was removed or misused after the vehicle was taken. I have reported this issue to the XXXX XXXX XXXX ( Event # XXXX ). Santander has failed to provide required documentation and continues to attempt to collect a balance without proof. I am requesting : XXXX Full documentation of repossession XXXX Proof of sale of the vehicle XXXX Complete breakdown of the alleged balance XXXX Identification of the repossession company XXXX Removal of the balance if they can not provide proper documentation This situation has caused financial harm and ongoing stress due to lack of transparency and failure to follow proper procedures. I expect a full written response. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CL Holdings LLC
State: MI

Complaint narrative:
They keep sending me collection notices via usps mail. Received one every week for last several weeks. They were sent a cease and desist several years ago. The debt is out dated and not collectbile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal is currently withholding my funds and blocking my ability to transfer my balance ( {$200.00} ) to my verified bank account ( XXXX XXXX ). Despite enabling all 'Direct Debit ' and 'Direct Deposit ' settings on the PayPal desktop interface, PayPal is intentionally rejecting authorized ACH pulls from my bank. This technical blockade appears to be a systemic failure resulting from PayPals documented software defect and data breach ( XXXX XXXX ). By providing me with routing and account numbers for the purpose of fund management and test deposits for verification but then silently blocking the use of those same numbers for outgoing transfers, PayPal is in violation of the Electronic Fund Transfer Act ( Regulation E ) regarding my right to access my own funds. I demand that PayPal immediately whitelist my XXXX XXXX connection and cease the targeted blocking of my ACH withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
My. Name is XXXX XXXX and niece made a purchase using my cash app card and I didn't authorize the transaction and it was finalized and cash app is not allowing me to file a dispute for the {$37.00} that was taken out of my account this is not the first time either they have prevented me from filing claims for all kinds of transactions that have been removed without my authorization over {$700.00} total has been illegally removed from my account and they will not replace my funds this has been happening for XXXX years now I am XXXX and on a fixed income and cash app constantly continues to sell my information and allow these people to steal the only income I have to my name I can not pay anything I have to pay like rent and my utilities or even buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
I took out a loan aginst my XXXX XXXX XXXX for XXXX dollers was told i had gap insurance through one main financial when i wrecked the truck they claim i had taken life insurance out ultimately found out the truck was only worth XXXX dollers so i know they lied about gap insurance i download all files from their system there is no mention of gap insurance anywhere so i belive they ripped me off my full coverage insurance only paid XXXX dollers why would they approve a loan for XXXX dollers if the truck was only worth XXXX ive seen several complaints about one main and people having the sa.e issue how do i resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION

Complaint narrative:
In XXXX, Fifth Third Bank failed to properly open a business account for XXXX XXXX XXXX XXXX due to a bank error. The initial deposit of {$1000.00} was never credited to an active account. The bank issued a cashiers check ( # XXXX ) payable to the entity only after it had been administratively dissolved by the State of Florida. Since the cost to reinstate the LLC ( $ XXXX ) exceeds the refund amount ( {$1000.00} ), and the dissolution was a direct result of the bank 's initial processing error, I requested a refund to be issued to the company 's partner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ). The bank has failed to provide a reasonable solution for the return of my personal funds despite multiple attempts to resolve this via executive customer relations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I dispute account XXXX and request immediate validation of this alleged debt. Provide documentation showing that this account legally belongs to me, including a complete chain of assignment, any bill of sale, and records that clearly connect my name, address, and account number to the debt you are attempting to collect. If the bill of sale does not specifically identify me, does not reference an account tied to me, or fails to show that IC System has lawful authority to collect this account, then this debt is not properly validated and must be deleted from your records and removed from any consumer reporting agency where it appears. Please provide : 1. A bill of sale or assignment identifying my account 2. The original creditor name and original account number 3. Proof the balance is accurate 4. Proof IC System has authority to collect 5. Any signed agreement connected to this account Under 15 U.S.C. 1692g, collection activity must stop until proper validation is provided. If you can not produce documentation directly linking this account to me, I request deletion immediately and written confirmation that no further reporting or collection will continue. This unresolved reporting is affecting my financial decisions and causing unnecessary hardship because disputed information should not remain without reliable proof. Please complete your review within 30 days and send written confirmation of deletion if validation can not be produced. Sincerely, 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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/XXXX : I purchased 3 round trip airfare tickets for myself, my wife, and my daughter for {$730.00}, flights from XXXX to XXXX on XX/XX/XXXX and from XXXX to XXXX on XX/XX/XXXX. I used paypal pay-in-4 option to make 4 payments of {$180.00} every 2 weeks towards the balance. XX/XX/XXXX : Total balance paid in full. XX/XX/XXXX : XXXX XXXX cancels XX/XX/XXXX flight from XXXX to XXXX and does not provide a reschedule date for the flight. I request a refund for the 3 cancelled flight tickets, XXXX claims to process XXXX refunds of {$120.00}, {$120.00}, and {$110.00} back to my paypal account. XX/XX/XXXX : I purchase 3 new refundable flight tickets from XXXX to XXXX for {$980.00} using paypal pay-in-4 option. I am charged 3 x {$82.00} ( {$240.00} total ) despite cancelling these tickets the same day. Refund of {$240.00} ultimately received later on XX/XX/XXXX. XX/XX/XXXX : I receive refund of {$120.00} to my paypal account. Still owed {$120.00} + {$110.00} ( {$240.00} total ) from my wife and daughter 's tickets. I contact XXXX about my additional {$240.00} refund, they tell me to wait XXXX business days from XX/XX/XXXX. XX/XX/XXXX : Still have not received {$240.00} refund. XXXX XXXX provides email receipt of 3 refunds processed on XX/XX/XXXX with transaction IDs. I contact paypal, and they tell me they have only received {$120.00} from XXXX. I file dispute and claims and provide Paypal with refund receipt from XXXX, and Paypal denies my claims. Paypal has stolen {$240.00} from me and will not gie me back the money I am owed. I am attaching documentation that includes the PayPal pay-in-4 plan that shows I have only been refunded {$120.00} to date for the {$730.00} purchase and XXXX 's email refund receipt with transaction ID 's showing they refunded {$120.00}, {$120.00}, and {$110.00} back to my paypal account on XX/XX/XXXX. Also attaching timeline of paypal dispute/claim and denials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that was opened and/or used without my authorization during a dealership transaction when I purchased my vehicle. After discovering this account, I contacted the original creditor by phone and reported that the account was the result of identity theft or unauthorized use. During that call, I was informed that the account would be closed. The account was subsequently closed ; however, a remaining balance was still left on the account for charges that I did not authorize or incur. Despite reporting this issue and being told the account would be handled, this balance was later sold or transferred to a debt collector, XXXX XXXX XXXX, and is now being reported as a collection account on my credit report. I have never authorized or used this account, and I did not incur the charges that make up the remaining balance. I believe this is an unresolved billing error and the result of unauthorized account activity that was never properly corrected. I am requesting a full investigation into this matter, including verification of the original authorization and itemized charges. If the company can not provide clear proof that I personally authorized and incurred these charges, I am requesting that this account be removed from my credit report and that all collection activity cease. I am also requesting documentation showing how this balance was calculated after the account was reported and closed due to unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against cash app ( Block, Inc. ) do to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process wash unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
Dispute Type : Debit - Non-Receipt of Goods or Services Date Error Reported : XXXX Claim Amount : {$690.00} Hello This letter is to inform you that we have made a final determination regarding the claim referenced above. As part of our investigation, a review of our systems was performed in addition to information provided during the claim filing process. As applicable, we coordinate with other financial institutions, merchants, and networks as part of the claim review. Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents, or have further questions, please contact us at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
From XX/XX/XXXX I have been receiving unauthorized debit on my card from XXXX and XXXX withdrawal in my account and have report to Venmo and never did any solution to it until yesterday I received another charges I did not authorize on my account again and total amount that has been removed from my XXXX account since XX/XX/XXXX is {$3800.00} which are meant for my kids school fees. Please I need my money back in my account for my kids school fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
As of today XX/XX/XXXX, Debt Collector PORTFOLIO RECOVERY ASSOCIATES, account # XXXX have not responded to my debt validation letter I sent them back in XXXX of XXXX. Please attachment ; As of today, XX/XX/XXXX the company is still reporting this unverifiable account to my consumer report. This is a violation of federal law ; under sections, ( 15 U. S. C. ; 1692f ), 15 U. S. C. 1692e ), 15 U. S. C. 1692g ( b ), and 15 U. S. C. 1692g ( a )

Company response to consumer: Closed with explanation