vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I got a phone call from XXXX XXXX XXXX stating that i owe a debt. So i reached out to them to ask for a validation of debt because they are reporting it to credit Bureaus so when i reached out to them to get there address and email they told me they will not provide any information unless i paid them for the contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: UT

Complaint narrative:
I took out this loan around XX/XX/XXXX. I had no idea that a 399 % annual interest was a legal amount of interest to charge. Had I known this would be the APR, which I did not see in the promotional information, I never would have signed a loan for 399 % APR. Im asking that you or the Tennessee attorney general, or Senator XXXX XXXX, help me out and alter the terms of the loan or void the contract entirely, if the 399 % APR is illegal for federal or Tennessee purposes. I have equity of over {$150000.00} in my home, but I can not access it, even through an FHA loan, because I co-signed on my daughters home in Florida in XXXX, so my debt to income ratio for XXXX includes my and her mortgages of over {$500000.00} even though I have proven that she has made all the payments on her mortgage for over XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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:
To Whom It May Concern, I am filing a formal complaint against Square ( Block , Inc. ) regarding the unjustified restriction and continued withholding of my funds for over five ( 5 ) months without proper explanation or resolution. I opened a Square account for the first time and, upon my initial use, my account was unexpectedly restricted. After contacting Square, the account was reinstated. However, during my second useafter processing additional transactionsmy account was abruptly shut down again. Since then, Square has refused to provide any clear or legitimate reason for this action. Most concerning is that my funds have now been held for over five months, with no access, no payout, and no meaningful communication from Square. Despite multiple attempts to resolve this issue, I have received vague responses or no response at all. This lack of transparency is unacceptable. Additionally, after conducting my own research, I have come across numerous similar complaints from other users reporting that their funds were held for extended periods without clear justification or timely resolution. This suggests a troubling pattern of behavior that raises serious concerns about Squares business practices and its treatment of customers. As a business user, I am now : Unable to access my legally earned funds Unable to use the hardware I purchased for their platform Experiencing financial hardship due to these actions Squares conduct raises serious concerns about unfair practices, lack of due process, and failure to provide adequate consumer protections. I am requesting the following : Immediate release of all funds being held A clear, written explanation for the account closure and fund hold Appropriate resolution for the damages caused by this prolonged restriction If this matter is not resolved promptly, I am prepared to escalate further and pursue all available legal and public avenues. I respectfully request the CFPB to investigate this matter and hold Square accountable for these actions. Sincerely, XXXX XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
I was contacted by a loan officer for my mortgage company, Freedom Mortgage ( XXXX XXXX XXXX # XXXX ) about a Streamline Refinance for my mortgage. I immediately informed XXXX that I need to refinance my home per the terms of my legal divorce, which he claimed she will not need any part in the process, she will not need to sign any documents, and assured me that the refinance can be completed without her intervention ( as she was unwilling to cooperate at this time ). I would not have applied for the refinance if I was not guaranteed this information. XXXX confirmed this multiple times, stating " I want to confirm that neither you nor [ Ex-Spouse ] need to sign any documents that list her name. Those documents can be disregarded. '' After a credit check and a very long nearly 2-month period of poor communication with Freedom Mortgage, I was informed that XXXX had in fact provided false information and that the refinance could not be completed. The Exception Handling advocate, XXXX XXXX, informed me " I do apologize for what was stated to you prior to the loan entering my department. Your ex-spouse must sign the documents to move forward. '' Again, I would have never applied for this refinance, approved a credit pull, nor spent 2 months of my time calling the unresponsive support team if I was not told this false information by the loan officer in the first place. The loan officer falsified information in order to encourage me to apply for a refinance on my home.

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 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
On XX/XX/XXXX I was on the phone with Ally financial attempting to pay off my car loan through their app with the payoff quoted as XXXX while I was on the phone, the representative told me the payment had gone through. I got all of the texts and emails confirming the payment had gone through and was successful, on XXXX XXXX. I received a message saying that my payment had been returned. I contacted my bank, my bank never received a request for that payment and did not return it. I was on the phone with Ally for several hours being shifted from Customerservice and collections several times, asked to speak with the supervisor, she spoke with me and said she would stay on the line while we handle this until my payment went through, that did not happen and my payment did not go through. I tried again today, their app will not accept my payment. The person on the phone yet again told me that my account was wrong, but I have all of the supporting evidence that I have been using the correct account with which I have always been making my monthly payments. Now my payoff quote is {$110.00} more than it was on XXXX XXXX, and Al is still not accepting it. I want my payment for the initial payoff quote to go through, and I do not want to pay any additional fees. I also do not want this to be put on my credit report as a late payment because Ally is having issues.

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 2026-05-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Law Offices of Robert S. Gitmeid & Associates, PLLC
State: OH

Complaint narrative:
I fired XXXX XXXX out of New York my debt consolidation company. They take more fees than they pay to my creditors. They also refuse to give me the money that was left in my escrow savings account claiming that I owed them {$1000.00}. They also reversed some of my payments to my creditors. They are very misleading they say they're trying to help you however they are not they're in it for all their fees for themselves and they pay your creditors hardly anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 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: Experian Information Solutions Inc.
State: LA

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 4 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 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 2026-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX a loan for XXXX XXXX XXXX XXXX was taken out in my name in error for XXXX XXXX. This is fraud and needs to be removed from my account and the real issuer needs to be found immediately. A police report is filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: SC

Complaint narrative:
I called to see if I applied for the below offer Chime is offering a bonus of up to {$350.00} for new Checking Account members who receive qualifying direct deposits and meet specific spending requirements. The offer typically requires a total of $ XXXX in direct deposits within 30-34 days of account opening, alongside additional cash-back requirements for the full amount. And I was informed Yes once I met the direct deposit requirements. This conversation was done by phone and the calls are recorded so there is documentation of the call. When I called to check on my final deposit I was told what was required. I called again and was told I didn't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding repeated overdraft and negative balance fees charged by Regions Bank on my checking account. My account became negative after an overdraft fee was assessed. Despite the account already being negative, Regions continued allowing transactions to process and then charged additional fees, including a {$35.00} overdraft fee on XX/XX/year> and a subsequent {$75.00} fee on XX/XX/year> while the account remained overdrawn. I am now being threatened with additional charges. These fees have compounded the negative balance and created significant financial hardship. I believe the banks practices are unfair because transactions continued being approved even while the account was already negative, resulting in repeated and escalating penalties. I am requesting : - A full review of the overdraft and negative balance fees charged to my account - Reimbursement of the excessive fees - Prevention of additional overdraft-related charges - Clarification regarding why transactions continued being approved while the account was already negative I have attempted to resolve this directly with Regions Bank , but the issue remains unresolved. I am requesting CFPB assistance in reviewing these practices and helping resolve this matter fairly.

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 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NVR INC.
State: FL

Complaint narrative:
RE : CFPB Complaint No. XXXX Date : XX/XX/year> To Whom It May Concern : I am in receipt of the response submitted by NVR Mortgage Finance , Inc. through XXXX XXXX XXXX , Vice President of NVR Mortgage Finance , Inc. , wherein the company asserts that all legal requirements were complied with during the closing process. However, XXXX XXXX response fails to acknowledge the numerous conversations I had with XXXX XXXX XXXX, the original loan officer assigned to my mortgage file prior to the termination of his employment with NVR Mortgage. During those conversations, I clearly communicated the maximum monthly mortgage payment my family could reasonably afford, and I specifically stated that I did not want the monthly payment to exceed that amount. I continue to maintain that NVR Mortgage Finance , Inc. acted improperly during the loan and closing process. I welcome the opportunity to present the full facts and circumstances surrounding this matter in a court of law. If litigation becomes necessary, I intend to seek a subpoena for XXXX XXXX XXXX so that he may testify regarding the discussions we had concerning the loan terms, payment expectations, and affordability concerns that were communicated prior to closing. Although I strongly disagree with the revised monthly mortgage payment amount, I will continue making payments in the amount of {$2500.00} in good faith and solely to prevent damage to my credit history while this dispute remains unresolved. At this time, I do not intend to sign the revised closing documents presented by NVR Mortgage Finance , Inc .. To the best of my understanding, there is no provision within the originally executed agreement requiring that I must or shall execute a newly drafted mortgage contract after closing. It is my belief that the reason NVR Mortgage Finance , Inc. is aggressively attempting to obtain my signature on revised documentation is because the loan, under the currently executed terms, may present issues affecting their ability to sell or transfer the mortgage on the secondary market. I further believe this is the underlying reason for the legal threats that have been directed toward me. I respectfully request that this statement be added to the record in connection with my CFPB complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 4 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 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 2026-05-13 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: LA

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 4 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 2026-05-13 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: MN

Complaint narrative:
I am filing a complaint against PayPal Holdings , Inc. ( XXXX ) regarding an unfair {$370.00} negative balance penalty placed on my account due to consumer XXXX XXXX. ' The buyer sent a payment for items, explicitly acknowledged in text messages that she was aware of a shipping delay due to my XXXX XXXX visit, and tracked the shipments. After XXXX of the XXXX packages were delivered, she fraudulently filed an XXXX Not XXXX ' chargeback with her credit card issuer. All XXXX packages have now been verified as 'Delivered ' by the shipping XXXX to her address. The buyer text-messaged me pretending she did not know how the dispute happened and promised to call her bank, but she has since ghosted me while keeping both the {$370.00} and all XXXX delivered packages. XXXX automated system is penalizing me for a provably false XXXX Not XXXX ' claim despite clear delivery tracking metadata. I am requesting that XXXX corporate manually reverse the {$370.00} negative balance and permanently ban this user for platform abuse and fraud. The transaction took place on XX/XX/year> The dispute filed notice was received XX/XX/year> The evidence I provided was received by XXXX on XX/XX/year> The buyer/sender claimed to have not filed a dispute and will call her bank and let me know on XX/XX/year> ( Never got a response since then ) The dispute was accepted and completed on XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
On XXXX XX/XX/year>, I received an email from Current banking regarding my account being frozen/under review due to a recent direct deposit. I promptly responded with all of the requested documentation and still do not have access to my account. When I attempt to call and request assistance, Im told that the department that handles these issues is not available by phone and that no one else can assist me with it. This is truly disturbing as this is a financial institution, or at least they say they are, and I find it negligent for a company to not allow access to customer support regarding account reviews. I am a XXXX Veteran and my direct deposits come directly from the XXXX. There is nothing fraudulent or misguided in my direct deposit/compensation payments. I desperately need assistance regarding this matter and truly hope this issue doesnt happen to other customers in the future.

Company response to consumer: Closed with explanation