vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Old Republic National Title Holding Co.
State: CO

Complaint narrative:
I am submitting a formal complaint regarding mortgage servicing, foreclosure-related conduct, alleged forgery, and financial harm connected to the property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX As discussed, I respectfully bring to the Courts attention allegations that my signature was forged in connection with the transactions referenced below by the following individuals and entities : Attorney XXXX XXXX Attorney XXXX XXXX Old Republic National Title Insurance Company ( ORNTIC ) XXXX XXXX XXXX ( XXXX ) confirmed the transaction referenced below. I was not present in Massachusetts at the time the loan documents were allegedly notarized, and I was not aware of these transactions at the time they occurred. I respectfully request that the Court review this matter and take any action it deems appropriate. I am prepared to provide supporting documentation and testimony as needed. I dispute the alleged debt and deny responsibility for the mortgage obligation being enforced against me. The XXXX XXXX has previously been made aware of allegations involving financial abuse, including alleged misstatements made under oath concerning responsibility for mortgage payments and the underlying debt obligations. As for this specific transaction, the XXXXXXXX XXXX XXXXXXXX XXXX XXXX Old Republic National Title XXXX XXXX ( XXXX ) received an order from XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX for the handling of a refinance loan transaction in the amount of {$360000.00}. The property involved in the transaction is located at XXXX XXXX XXXX, XXXX, Massachusetts XXXX and, according to the referenced records, was reportedly owned in XX/XX/XXXX by XXXX XXXX and XXXX XXXX. According to ORNTICs records, the refinance closing was held on XX/XX/XXXX, at which XXXX XXXX and XXXX XXXX allegedly executed the closing documents. I contest the legitimacy of these transactions and maintain that documents bearing my purported signature were executed without my authorization or knowledge. I was not physically present in Massachusetts at the time of the alleged notarization and execution of the loan documents. As a result of these actions : My credit has been negatively impacted ; I have suffered substantial financial damages ; Funds and property interests are being wrongfully targeted despite my dispute of liability ; and Collection and foreclosure activities have continued despite notice of dispute and allegations of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Additional Supporting Context and Pattern of Similar Consumer Reports In further review of this issue, I have identified additional information that may be relevant to this complaint. Since filing my initial complaint, I have researched whether my experience is isolated or indicative of a broader pattern. I have found multiple independent consumer reports ( including public forum discussions ) describing similar situations involving Cash App accounts, including : Accounts being restricted or closed without clear explanation Liquidation of stock holdings following account actions Consumers reporting that their investments were sold without explicit, real-time authorization Difficulty accessing or withdrawing funds following liquidation events Limited or non-responsive customer support when attempting to resolve these issues While these reports are anecdotal in nature, they suggest that the issues described in my complaint may reflect a broader pattern affecting multiple users. Relevance to My Complaint These additional reports are consistent with my experience and raise further concerns, including : Whether consumers are being provided adequate notice and meaningful disclosure prior to account restrictions or asset liquidation Whether the liquidation of securities is being carried out with proper authorization or transparency Whether Cash App is maintaining appropriate procedures for responding to consumer disputes, particularly when financial losses or loss of control over assets are involved Regulatory Concern Given publicly reported regulatory findings that Cash App ( Block , Inc. ) has previously failed to adequately investigate unauthorized transactions and consumer complaints, I am concerned that similar deficiencies may extend to : The handling of investment accounts The liquidation of customer-held securities The resolution of disputes involving account restrictions and access to funds Request for Review ( Supplemental ) In addition to my original complaint, I respectfully ask that the CFPB consider whether : Cash Apps policies and practices regarding account closures and asset liquidation are clearly disclosed and fairly applied Consumers are being given adequate opportunity to act before investments are liquidated There are systemic issues affecting multiple users that warrant further investigation I am attaching a screenshot of 2 forced liquidation cases. I have an additional list of similar cases that I can send upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
" XXXX XXXX XXXX XXXX repossessed my vehicle and sold it, but failed to comply with New York Uniform Commercial Code ( NY UCC ) Article 9 and NY VTL 425. They failed to provide proper statutory notices regarding the intent to sell, failed to prove a commercially reasonable sale, and committed a breach of peace. Therefore, the remaining balance they are reporting as a Charge-Off/Collection is legally null and void. I demand the immediate and permanent deletion of this account from my credit reports. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Cash App regarding unauthorized transactions totaling over {$7000.00} that occurred after my phone was stolen from my vehicle. After discovering my phone had been stolen, I immediately took steps to report the incident and protect my accounts. I filed an accurate police report, documented the damage and theft with photographs of my vehicle, and submitted all requested evidence to Cash App. Despite this, Cash App denied every dispute I submitted and ultimately closed my account without properly resolving the matter. These transactions were not authorized by me. My phone was stolen, and unauthorized individuals gained access to my Cash App account and removed funds without my consent. I have fully cooperated throughout the investigation process and provided supporting documentation, including : * A police report * Photos of my vehicle showing the theft incident * Details regarding the unauthorized transactions * Information regarding the stolen phone and timeline of events Cash App has continued to place blame on me instead of conducting a fair and reasonable investigation into the fraudulent activity. I believe my disputes were improperly denied and that I was not provided adequate consumer protection despite reporting the theft and fraud promptly. I am requesting : * A full reinvestigation of all disputed transactions * Reimbursement of the stolen funds totaling over {$7000.00} * Copies of any records or evidence relied upon in denying my disputes * An explanation of why my account was closed instead of properly protected during the investigation I feel that Cash App failed to reasonably protect my account after clear evidence of theft and fraud was provided. I am asking the CFPB to review this matter and assist in ensuring a fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC.
State: HI

Complaint narrative:
We have been fighting with Pinnacle Recovery for a while now. They keep giving us the same canned response and we feel they have no authority when it comes to the debt that we owe XXXX. They are a third party and we are pretty confident that they did not purchase the debt we have through XXXX. We are wanting to cancel our XXXX account but cant do anything about that until Pinnacle lets us out of this vicious cycle. We really hope you can help us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: WI

Complaint narrative:
disputed an auto loan/repossession deficiency balance because the lender has not provided complete validation or supporting documentation for the amount they claim I owe. In response to my complaint, the company submitted a transaction ledger, but the records contain multiple unexplained fees, accounting adjustments, payment reversals, inserts and balance and dates .inconsistencies that still do not explain how the alleged deficiency balance was calculated. The records show : * an auction/repossession credit of approximately {$14000.00} applied on or about XX/XX/XXXX, * repeated late-fee assessments, inserts * NSF and payment reversal activity, * a {$720.00} XXXX charge entered on or about XX/XX/XXXX, * charge-off debit and credit adjustments in XXXX, * inconsistent interest accrual entries and balance calculations.missing payments on the bill transaction they displayed I requested : * the repossession sale records, * bill of sale, * notice of sale, * notice of deficiency, * proof of mailing for all required notices, * complete payment history, * interest accrual calculations, * APR calculation method, * and a full deficiency balance calculation after the auction proceeds were applied. The company has not provided complete documentation validating the balance or explaining the accounting entries and fees shown on the ledger. I am requesting a full investigation and complete validation of the alleged debt and 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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I requested info in reference to the debt be sent to me and no info received. I also requested if their were willing to do a pay for delete and settle for a lower amount than {$650.00} no response on XX/XX/26.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AL

Complaint narrative:
Unathorized transactions Over and over aga And stop using them because when I got direct deposit was always less they mislead me and I am not the only one everyone I know said the same thing happened to them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/year> I talked to someone on live chat with synchrony ( XXXX pay plan ) regarding a late fee that they promised to waive. Which they have never waived the fee which its still on there as a charge. I made several attempts to get it cleared and nothing is getting done about it. I made a complaint to the XXXX as well and not a response.

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 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate / Incomplete / Unverifiable Collection Account Creditor/Furnisher : CAINE & WEINER XXXX XXXX Account No. : XXXX XXXX File To Whom It May Concern : I am disputing the above-referenced collection account as inaccurate, incomplete, and/or unverifiable. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, XXXX is required to follow reasonable procedures to assure maximum possible accuracy and to conduct a proper reinvestigation of disputed information. The information currently being reported does not meet that standard. I dispute the account in full, including but not limited to : - the alleged validity of the debt, - the accuracy of the balance, - the date of first delinquency, - the date the account was placed for collection, - the furnishers authority to report and collect, - and the completeness and consistency of all data elements furnished. If the furnisher can not provide competent documentary evidence verifying every material element of this account, it must be deleted from my credit file. A mere automated confirmation, internal code match, or unsupported verification is not sufficient under the FCRA. Please also ensure that your reinvestigation is based on actual verification of the underlying records and not a superficial response from the furnisher. If you continue reporting this item, please provide the documents and data relied upon to verify it, including : 1. The complete name and address of the furnisher ; 2. The itemized basis for the alleged balance ; 3. The date of first delinquency ; 4. The chain of assignment or authority to collect ; 5. The identity of the person verifying the account ; and 6. Copies of all documentation used in the reinvestigation. If this item can not be fully verified as accurate and complete, please permanently delete it and notify all parties to whom it was furnished. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/year>, the merchant ( XXXX ) committed a clerical billing error by charging me for 3 adult haircuts for my XXXX XXXX, resulting in an incorrect funds transfer from my account. The cashier immediately acknowledged the {$15.00} overcharge when she handed me the receipt but claimed she no authority to fix it. Netspend denied the dispute based only on a signed receipt, failing to actually investigate the facts and address the Incorrect Transaction Amount under 12 CFR 1005.11. The merchant 's response was a generic, AI-generated denial from an offshore third party that did not address the facts of physical evidence provided. I provided a photo of their advertised prices, a photo of the receipt, and evidence that my 3 children are not adults. I then asked for an additional review, and Netspend held the ruling. The dispute specialist told me via telephone that he saw the evidence and the error, but if the merchant does not agree that an error occurred, there is nothing he could do about it, which does not sound right to me at all.

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 2026-05-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. I need these items blocked and removed off my report as soon as possible. I'm personally submitting this complaint and documents on my behalf.

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 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CHALLENGE FINANCIAL SERVICES
State: NV

Complaint narrative:
To Challenge Financial XXXX Request to retract application To whom it may concern, I am formally requesting that my application submitted on XX/XX/year> be retracted immediately. My social security number and signature were provided solely for the purpose of reviewing my application for vehicle financing. Since the application was denied and no goods or services were provided, I no longer authorize the continued use, retention, or processing of this application beyond what is legally required. I request written confirmation that my application has been retracted and closed. I also request verification regarding the hard inquiry associated with this application and whether it can be removed or updated accordingly. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
In XXXX, I inquired about loan restructuring. I am experiencing a hardship. They put me on a short term hardship and stated that once the loan matures in XXXX I could restructure the loan. I called on XX/XX/XXXX, the customer service agent stated that I could restructure or enroll in the post maturity payment plan but I needed to pay the past due amount first. I told her the only option that worked for me was the restructure. I payed it right then and there with her on the phone. She said to call back tomorrow to restructure. I called on XX/XX/XXXX, the customer service agent said that he could see that I made the payment on XX/XX/XXXX but that it hadn't posted yet and i can enroll in the loan restructure once it posted. He said they were closed Saturday XX/XX/XXXX but to call on Sunday XX/XX/XXXX. I asked specifically if that was okay with the tight timeline and he said that it didn't matter as I had already payed, it just needed to post and then I could enroll in the restructure. I called on XX/XX/XXXX as directed and the representative said that I was not eligible to enroll in the restructure as the loan had matured yesterday on the XXXX when they were closed. I explained that I was following all of the representatives directions and it is in the call log, my multiple documented attempts and directions to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
Unauthorized Auto Loan Funding & Deceptive Dealer Financing - Ally Auto ( Account # XXXX ) Description of Incident : I am reporting Ally Auto for funding an unauthorized auto loan on a XXXX XXXX XXXX ( XXXX : [ Insert Jeep VIN ] ) submitted by XXXX XXXX XXXX XXXX Discrepancy : My signed Retail Installment Contract explicitly names XXXX XXXX as the lender. I never signed a contract with Ally Auto.Funding After Rescission : I officially rescinded this deal in writing on XX/XX/XXXX, following multiple bank denials. I received a formal Adverse Action Notice from Ally dated XX/XX/XXXX, yet Ally subsequently funded the loan on XX/XX/XXXX, without my consent.Unauthorized Credit Activity : The dealer continued to 'shotgun " my credit to lenders like XXXX and XXXX after my rescission, forcing me to freeze my credit files.Conversion of Property : The dealer has failed to pay off the {$27000.00} lien on my trade-in ( XXXX XXXX XXXX XXXX ) for XXXX days and claims to have sold it without a funded deal in place for the new vehicle.Bank Admission : I contacted Allys Fraud Department ( Acct XXXX XXXX ). They noted the discrepancy and instructed me to return the vehicle immediately, confirming the loan is illegitimate.Desired Resolution : I request that the CFPB investigate Allys funding process for this account. I want the fraudulent Ally account closed, the unauthorized inquiries removed from my credit report, and the dealer forced to unwind this transaction and return my trade-in equity/stolen {$2500.00} deposit.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NY

Complaint narrative:
This account does not belong to me. I do not have an address located in the southern part of the United States. I live in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX I was introduced to by someone through media social to a purported AI-based cryptocurrency arbitrage investment opportunity which was associated with the website XXXX which described as a safe and passive trading platform that did not require active market monitoring. So I transferred funds from my XXXX XXXX account to Coinbase converted to the funds into cryptocurrency which I completed five cryptocurrency transfer during XX/XX/XXXX, amounting to approximately {$82000.00}. And did not received any verifiable investment dashboard, formal documentation, or contractual agreement. Realizing the fraudulent nature of the operation and the absence of any legitimate investment infrastructure I filed a complaint with the FBI Internet Crime Complaint ( IC3 ) and report the incident to local enforcement.

Company response to consumer: Closed with explanation