vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was accessed without my authorization as a result of an account takeover. My email account was compromised, and a third party used it to reset my Cash App password and gain control of my account. 

After the account takeover, unauthorized transfers totaling {$440.00} were initiated using my linked XXXX XXXX  account. I did not authorize these transactions, did not initiate the password reset, and did not give permission for any funds to be withdrawn. 

I discovered the unauthorized activity and reported it to Cash App the same day the funds were withdrawn. Despite prompt notification and clear evidence of account takeover, Cash App declined to meaningfully investigate or assist and refused to reimburse the unauthorized transfers. 

Cash App failed to adequately safeguard my account, allowed a fraudulent password reset, and permitted withdrawals without verifying that the activity was authorized by me. 

These transactions constitute unauthorized electronic fund transfers resulting from fraud. I am requesting that Cash App conduct a full investigation, reimburse the stolen funds in the amount of {$440.00} and provide a written explanation detailing how these transactions were determined to be authorized despite the confirmed account compromise and same-day reporting. 


The morning of XXXX XXXX around XXXXXXXX XXXX XXXX XXXX someone from another country hacked into my email XXXXXXXX XXXX XXXX XXXX  and through that they removed my phone number and directly withdrew {$440.00} from my XXXX account and it went through to then pay themselves through a site called XXXX where they even had to pay an international fee to even receive that money. They tried to withdraw another {$98.00} dollars and that one XXXX diclined. I have never, not once used this site nor feel the need to use a site that wires money that charges an international fee. They not only tried doing this with this Application, they tried resetting password to a lot of applications that may have my card saved on file like XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, XXXX .. XXXX. 

I eventually found out that outlook had a XXXX step authenticator app that i applied and added to my account and finally was able to remove their XXXX computers they had saved on my account to be able to log in and send scam/fraud emails to so many random accounts trying to get people to click on them. Thats what they tried to use my account for. I have lots of pictures and proofs of them activily rushing to try and reset all my passwords using the email i had access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
My Cash App account was compromised and used for unauthorized transfers from my linked debit card. On the incident date, Cash App shows multiple unauthorized transfers including {$490.00} ( XXXXXXXX XXXX ), {$490.00} ( XXXXXXXX XXXX ), {$130.00}, and {$150.00} ( around XXXX XXXX  ). These transfers were not authorized by me. Cash App shows the transfers as Transfer was returned, but Cash App still placed my Cash App account into a negative balance. 

I reported the fraud to Cash App Support and opened a fraud dispute ( Cash App case # XXXX ). I also disputed the unauthorized transactions with my bank ( XXXX ), which investigated and confirmed fraud and issued a refund. After my bank issued the refund/chargeback, Cash App continued to keep my Cash App account negative and advised me to add funds/receive payments to cover the negative balance. Cash App Support stated the negative balance was caused by a chargeback and that the issue was outside of Cash Apps control, even though the negative balance exists within Cash Apps own ledger/account system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
I am disputing a debt reported by Holloway Credit Solutions in the amount of {$1100.00}. I do not recognize this debt and have not received proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 

This account is being reported inaccurately on my credit report. I am requesting full validation of the debt, including the original contract, proof of my obligation, and documentation showing Holloway Credit Solutions has the legal right to collect and report this debt. 

If validation can not be provided, I am requesting immediate removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America released my {$24000.00} check that was deposited on XX/XX/XXXX, but then placed a fraud freeze on my entire account because they failed to complete verification with the issuing bank, XXXX XXXX XXXX. 

XXXX XXXX XXXX has confirmed the check is valid and stated they are waiting for Bank of America to contact them for verification. Bank of America claims they left a message but received no response and now refuses to complete verification, stating it is internal. 

My funds are scheduled to be available at XXXX, but Bank of America has frozen my account so I can not access money that is legally available to me. This is a bank-caused delay and a wrongful restriction of available funds. 

I am requesting immediate removal of the fraud freeze and completion of verification so I can access my money.

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 monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: AK

Complaint narrative:
MONTEREY is falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
A collection account for {$310.00} is being reported on my credit report by Credit Collection Services as a collection/charge-off account. I do not recognize or accept this alleged debt as accurate, complete, or properly documented. 
On XX/XX/year>, I sent Credit Collection Services a formal written dispute and debt validation request pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that correspondence, I requested verifiable documentation proving the existence of the alleged debt, the accuracy of the amount claimed ( {$310.00} ), the companys legal authority to collect, and full compliance with XXXX XXXX reporting standards. 
Despite receiving my dispute, Credit Collection Services has continued to report the account as a verified collection. I have not received any physical, competent, or verifiable documentation substantiating the debt. No contract, itemized accounting, proof of assignment, or evidence of permissible purpose has been provided. 
The company appears to rely on automated or generic responses rather than conducting the reasonable investigation required by law. Reporting and maintaining unvalidated information after a dispute is inaccurate, misleading, and harmful. This reporting has negatively affected my ability to obtain financing. 
I am requesting that this matter be investigated, that Credit Collection Services be required to substantiate the debt with proper documentation, and that the account be deleted from my credit report if it can not be fully verified as accurate, complete, and lawful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: BANKERS HEALTHCARE GROUP LLC
State: GA

Complaint narrative:
I am an individual guarantor on a commercial loan issued by Bankers Healthcare Group ( BHG ) to my business. In late XXXX and XX/XX/XXXX, I received unsolicited communications claiming I had already been sued in XXXX  XXXX  related to this loan. 

I independently searched the XXXX XXXX Supreme Court docket and found no case filed under my name or my business. During a follow-up phone call, a representative stated that XXXX XXXX  does not require a summons and that service could be completed by email or by directing me to a website. This statement was incorrect. When I explained that lawful service is required and that I reside outside XXXX XXXX the representative acknowledged I was mistaken earlier. 

I requested verification, including the court name, case number, proof of service, itemized balance, and authority to collect. No lawsuit information or proof of service was provided. 

Separately, a third-party collection vendor acting for the lender requested extensive financial information, including bank statements and disclosures, while referencing possible legal action. When I questioned how a lump-sum settlement would be feasible if monthly payments were unaffordable, communication stopped. 

I believe these actions involved false or misleading statements about legal status and improper pressure to induce payment or disclosure without lawful process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp apparently sent a XXXX K form to IRS for XXXX XXXX against my Social Security number but I never received not did I have an account. Now IRS has sent me a letter saying I have to go to Federal Tax court in XX/XX/XXXX to resolve. It started in XXXX XXXX XXXX and I filed a fraud form to Cashapp and the IRS. Now CASHAPP will not talk to me because I don't have an account with them. Cash XXXX  given by CashAPP is XXXX. I need this to expediously resolve as I have to respond back to the IRS by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> a fraudulent XXXX charge of {$120.00} was applied to my account. 

My whole statement balance was paid in full on time as it every month. 

This is not the first time this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MI

Complaint narrative:
Ive disputed about providing proof of identity theft to collection agency L J ROSS ASSOCIATES , INC . The representative advised me that XXXX XXXX does their own investigation and came back as not being fraud. I asked for proof of what they used to determine and she said that they dont get the info. 
Collection agency must provide this information or remove it from my credit profile

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Final Scam / Fraud Report Statement ( Complete ) On XX/XX/year>, {$3800.00} was taken from my Wells Fargo checking account without my authorization. The transaction was identified as a XXXX transaction. I did not authorize this transaction. 

I contacted Wells Fargo regarding this unauthorized XXXX transaction and was informed that the bank could not recover the funds. 

On XX/XX/year>, Wells Fargo took additional actions on my account related to overdrafts. The bank reversed overdraft fees and then charged {$1000.00} in overdraft fees, which bank records indicate were related to a credit card online transaction that I did not authorize or understand. 

On the same date, {$550.00} was taken from my savings account to cover overdraft-related charges. I did not authorize funds to be transferred from my savings account for this purpose. 

I believe my accounts were affected by fraud and/or a scam involving XXXX, which resulted in unauthorized withdrawals and excessive overdraft fees. I am submitting this report for investigation, documentation, and consumer protection purposes.

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am submitting this complaint regarding the handling of my loss mitigation application by NC State Employees Credit Union ( NCSECU ). My completed mortgage assistance application was received by NCSECU on XX/XX/XXXX and denied the following day, XX/XX/XXXX. 

I was advised by phone that the denial was based on the assertion that my XX/XX/XXXX job loss did not cause my delinquency because I was already behind prior to that event. This reasoning fails to consider my documented cumulative and ongoing financial hardship, which began well before XX/XX/XXXX and was materially worsened by the loss of employment. 

I was also informed that I have XXXX calendar days from XX/XX/XXXX to appeal the decision, despite not yet receiving a written denial letter or appeal instructions. Denying a completed application within one day, without meaningful review, and starting an appeal timeline before providing written notice raises concerns regarding fair loss mitigation practices. 

I am requesting that NCSECU conduct a full and impartial review of my application, consider the cumulative nature of my hardship, provide written justification for the denial, and honor my appeal rights in accordance with applicable servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Nexus Nova LLC
State: NC

Complaint narrative:
Mortgage Servicer : Rosegate Mortgage Account / Loan Number : XXXX Product : Mortgage Issue : Problems with mortgage servicing, payments, or escrow Incorrect application of payments Lender-placed ( force-placed ) insurance Failure to respond to borrower inquiries Credit impact What happened? 

I am submitting this complaint regarding ongoing mortgage servicing issues with Rosegate Mortgage related to my loan account # XXXX, following a recent servicing transfer. 

On or around XX/XX/XXXX, I was notified that my mortgage payment had not been received following the servicing transfer. Prior to this notice, I did not receive clear or timely communication explaining the status of my account or how payments were being applied during the transition. 

In an effort to ensure my account remained current, I made an additional payment. However, I have not received confirmation from Rosegate Mortgage regarding which payments were applied, whether any payments were misapplied, or whether a payment may have been received by the prior servicer. 

Additionally, I discovered that lender-placed insurance was added to my account by the prior servicer, despite the fact that I had submitted the required annual flood insurance documentation in a timely manner. To date, I have not received documentation or justification explaining why this insurance was added or why my proof of coverage was not accepted. 

I contacted Rosegate Mortgage in writing on XX/XX/XXXX, followed up again on XX/XX/XXXX, and sent an additional written request on XXXX XX/XX/XXXX, requesting clarification regarding : My current loan status How payments were applied during and after the servicing transfer The basis for the lender-placed insurance charges Despite these multiple written requests, I have not received a substantive response addressing these issues. Instead, I received only a generic acknowledgment indicating that my inquiry was under review due to high volume. During this time, I continue to receive calls regarding missed payments, which is confusing and distressing given that my questions remain unresolved. 

I am requesting assistance to ensure my mortgage account is accurately credited, that any improperly added insurance charges are removed, and that I receive clear written confirmation of my loan status and payment history. 

Thank you

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 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Central Research Inc
State: PA

Complaint narrative:
Over the last few months I have had financial issues. This resulted in me missing a number of payments. I had received a phone call from my loan servicer and they stated that I could get a forbearance, which I accepted. They put it in as a " pre-hardship forbearance '' which was not specified during the phone call ; I had wanted to get a retroactive forbearance as the hardship was in the past, not in the future. After talking with customer support, they stated that they never do retroactive forbearances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
I changed my bank info with them XX/XX/XXXX. The payment processed out of my new bank info XX/XX/XXXX. They did an autopay transaction on XX/XX/XXXX using the old bank information. They then closed the account XX/XX/XXXX due to too many returned payments. They said they cant help me with this, once a closure is done its irreversible. They advised me to write the accounting department. 

Synchrony XXXX XXXX XXXX XXXX, PA XXXX Fax 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 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RAB, INC.
State: TX

Complaint narrative:
This is a third party trying to collect XXXX with repeat harassment this is the insurances issue not mine this should have been taken care of my the orignal collecter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Arbor Professional Solutions, Inc.
State: MI

Complaint narrative:
ARBR PRO SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research ARBR PRO SOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Comerica
State: CA

Complaint narrative:
I received the XXXX XXXX card through the XXXX XXXX XXXX that I never asked for. I was never informed or shown prior to receiving the card that I didn't choose that if I don't catch any fraudulent transactions after XXXX  days that i wouldn't be able to be get my funds returned to me. I lost {$6000.00} XXXX XXXX dollars. I am a XXXX XXXX XXXX XXXX and I am a XXXX  citizen. 

After my first card was compromised, I never received my second card until XXXX of XXXX, but when i received the card, the card was already comprimised again and i haven't received or my funds again haven't been returned. 

I've spoken to XXXX XXXX agents and I've been told by them that there is chaos in their platform and in house protocol. I have been taken advantage of again, and I'd like someone help me to shut XXXXXXXX XXXX XXXX  and their broken and corrupt system that is scamming the consumer.

Company response to consumer: Closed with monetary relief