vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 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: GA

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX  for lunch while I was at work. I have cashapp linked to my XXXX  account for payment. When i placed the order for {$27.00} at XXXX XXXX  with XXXX XXXX, i put my phone down and went back to work. Just a few minutes later, at XXXX XXXX, I received a message from cashapp saying that I placed an order with XXXX  for {$880.00}. I freaked out and opened my cashapp account to see what was happening, as I did not place any additional XXXX  order. As I was trying to look at cashapp to see what was going on, I kept receiving more attempts for unauthorized charges. These were thankfully declined because it was over what was left in my cashapp cash balance. I immediately changed my cash app pin, locked my card, unlinked my bank account, and logged out. I then logged out of doordash & re-set my password. By this time, the fraudulent order was complete on door dash. There was no pick-up or drop off information, big surprise. Just order complete. This order was for flowers in North Carolina. Meanwhile my lunch was being delivered to me in XXXX, Georgia. I have attempted multiple times to reach out to cashapp to dispute, provide proof, etc. I was even told my one of their representatives that my dispute was approved & would be paid in 7 business days, although when I asked her for email proof, she was unable to provide any documentation to back this up. I then called XXXX  support a second time and was told something completely different. My claim was denied & i could appeal the denial. I walked through that entire process as instructed by XXXX. Within 30 minutes my claim/appeal was denied again. Despite the evidence that CLEARLY shows I was hacked, theyve offered no help, lied to me, and I am now out {$880.00}. Almost {$1000.00} stolen the day before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: PA

Complaint narrative:
I attempted to close my Chime account back on XX/XX/year>. At the time, i had {$300.00} in my account which Chime said they would send back to me in a form of a closure check within 30 days of me closing the account. I never received the check, so I reached back out to Chime on XX/XX/year>. I was told that they cant answer any of my questions over the phone and that someone would reach out to me via email. I received an automated email asking me to confirm my address, which I did. Once I confirmed my address I received another automated email saying that my closure check will be mailed within 30 days. As of today I still have not received my funds and contacting Chime again only resulted in me getting the same automated email asking me to confirm my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XXXX, I deposited a check into my Regions account. Regions placed a hold on the check and mailed me a written notice stating that the funds would be available in 10 days. I never received any follow-up notice extending the hold, requesting verification, or stating that the check was confirmed as fraudulent. 

Regions never attempted to verify the check with me or the issuer, and the funds were never released as stated in the notice. Months later, Regions closed my account while still holding the deposited funds. I was not given documentation showing any verification attempts or a written explanation justifying the extended hold or account closure. 

Regions failed to follow the terms of the written hold notice they provided and did not communicate or release my funds as required.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
In XXXX, I applied to be a customer of SoFi and open a checking and savings account. For some reason, I was notified on their website that I was unable to do so, with no additional reason given. I revisited this site in XXXX  to see if I could open a checking or savings account, and was again notified on their website that I was unable to open an account ( s ) because of a previous email I provided years before the current attempt. I called SoFi 's customer service, and I explained to the representative. The individual took my information down and said she was unsure as to why I was denied both times, but she would look into it. I never received a call back from SoFi, again, after several requests asking why I was denied both times. I understand SoFi had issues in the past for discrimination, and I believe this is another instance where a potential customer was discriminated against.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: Experian Information Solutions Inc.
State: IN

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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: IA

Complaint narrative:
I wish to dispute this collections report on my credit due to inaccurate amount that was bought by qualia collections from XXXX XXXX XXXX XXXX XXXX. 
The original balance I had associated with his debt as of XXXX XXXX was {$9700.00} at the time that I moved out of the apartment and no longer lived in the residence and had already moved to a new residence before receiving this email of the balance due. To my knowledge I had everything I needed to at this time to move out and move forward with the balance and was not aware of the continued charge of rent when I was not living there, I then received notice on my credit report XX/XX/XXXX that there was a collections amount through Qualia Collections Services of {$21000.00} from the apartment complex which is not the amount I was told when I moved out in XXXX of XXXX. There has been inflated fees and penalties associated with the debt from the apartment complex I no longer lived at being charged rent long after I moved out, so further more I am disputing and refusing the pay the XXXX Balance reported by Qualia Collections. 
The Debt was also re-aged from time frame of XXXX when I moved out to XX/XX/XXXX when the final amount was inflated to a new date of XX/XX/XXXX which is fraudulent and incorrect and illegal according to federal law. 
Please see attached screen shot of email from XX/XX/XXXX showing the balance of XXXX due prior to any on going charges that were charged after I moved out. And let this serve as proof that the original balance was wrongfully inflated and over charged by original institution before being sold to Qualia Collections Services. 
XXXX XXXX XXXX XXXX has a noted history of Unforeseen Fees : Tenants are often surprised by charges for cleaning, damages beyond normal wear, or administrative costs not detailed in their lease. 
Rent Charges Post-Move-Out : Some landlords attempt to charge rent until a new tenant moves in, even after the original lease ends, or charge month-to-month fees if notice isn't precisely timed. 
" Normal Wear & Tear '' Disputes : Management may charge for painting or flooring that should be considered normal use, not tenant damage.

Lack of Documentation : Tenants report receiving vague invoices or no itemized breakdown of charges, making it difficult to dispute.

Security Deposit Issues : Disputes arise when deposits are withheld for dubious reasons, or when landlords pursue further debt after the deposit is gone.

Please take this as a notice of refusal to pay the amount sent to and bought by qualia collections. As the debt is incorrectly inflated before being sold and also was illegally reaged by Qualia Collections upon purchase of the debt balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: NJ

Complaint narrative:
6 months ago i tried to log in to the money network as i had been for months, the app said " oops we encountered an error.please try signing in again later. " then i got an email stating that my account was trying to be accessed by an UNTRUSTED device and havent been able to sign in since then due to this same error.i have contacted their customer support over XXXX times and they never resolve the issue and cycle me into resetting the password which never works or when i try to recover the account my information that they request is flagged as invalid even though i entered my birthdate cvv of my card and last XXXX digits of my social security.its as if someone there internally has locked me out of the account and i can't sign in on my laptop nor any other device ive tried numerous different ones.i cant log in to manage my payments or dispute anything.i feel attacked and sabotaged.not to mention the numerous hours spent speaking to these people whom never resolve my case and the company says i can leave a review but it never allows me to review my services received.

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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Reporting of the auto loan status ( date reported, date of last payment, and payment history ) are out of date and have not been updated since XX/XX/year> to the credit bureaus. The auto loan is now paid in full as of XX/XX/year> and therefore impacting my credit score as well as my husbands as our credit report reflects a balance of {$11000.00} which is not accurate. We tried calling on XX/XX/XXXX however after being on hold for over an hour the agent was not able to submit an update for their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Conduent Incorporated
State: NY

Complaint narrative:
This is absolutely ridiculous I just received my unemployment after waiting 3 months I am behind on all of my bills I was able to use the card for one day the all of the sudden the next day the card will not work I have tried everything. There is no person to talk to at way2go. This is an emergency I need my card to work I dont understand how I can not talk to anyone with the number on the back. I have waited and waited and now I am completely screwed. I Need assistance as soon as possible Iv tried everything and can not reach a soul beside an AI robot I need to buy MEDICINE FOR MY FAMILY THEY ARE XXXX. I ran through my savings for last 3 months waiting for this money. Some one please help this is an EMERGENCY and I am getting EMOTIONAL. Please help XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Industries Services Company, Inc.
State: AZ

Complaint narrative:
I have received excessive calls from XXXX from XXXX XXXX at Cisco Collect for the past year. I emailed her at XXXXXXXX XXXX XXXXXXXX and XXXX on XX/XX/225 the following : This letter is to notify you that I dispute the validity of the alleged debt referenced by Customer ID XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting that you provide proper validation of the alleged debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt, including a full itemization of any fees, interest, or other charges ; A copy of any alleged agreement or contract bearing my signature or other documentation that shows I am legally obligated to pay this debt ; Proof that your agency is authorized to collect on this debt. 
Until such validation is provided, I request that all collection activities cease immediately. 
I dispute this debt in full and do not acknowledge any liability or obligation related to it. I have not worked at XXXX XXXX since 2023. I have not received any documentation to substantiate the validity of this claim, and your demand for payment is unsubstantiated. 
Furthermore, under 15 U.S.C. 1692c ( c ), I am invoking my right to request that you cease and desist from all further communication with me regarding this matter, except for providing the above-requested validation or to notify me of any specific legal action you intend to take. 
If you continue to attempt collection efforts without providing proper documentation, I will consider this a violation of the FDCPA and may report your agency to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General. 

I have received no response and the excessive calls continue. I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint to report an inaccurate and deceptive repossession fee charged in connection with my auto loan. 

My vehicle was repossessed at approximately XXXX XXXX  on the date of repossession. At that time, I personally surrendered the vehicle key directly to the repossession agent on site. Because the key was provided during the repossession, no key replacement, locksmith service, or recovery effort was necessary. 

Despite this, a {$240.00} key fee was later charged to my account. This fee does not reflect what actually occurred and appears to have been assessed without factual basis. 

I contacted Santander Consumer USA to dispute the charge. Santander acknowledged the issue and advised me to contact the repossession company directly to have the inaccuracy corrected, stating that the fee originated with the repossession agent. I have since contacted the repossession company to request correction of this false charge. 

At this time, the inaccurate fee remains on my account. 

This complaint documents what appears to be an unfair and deceptive billing practice involving a third-party repossession company acting on behalf of a lender. Charging a key fee when the key was surrendered at the time of repossession constitutes a false fee assessment and raises concern about whether this practice may be occurring systematically with other consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Mercari, Inc.
State: NV

Complaint narrative:
Mercari , Inc. is withholding funds owed to me from a completed marketplace transaction, despite documented compliance with its Terms of Service and Seller Protection policy.

I sold an item for {$400.00} through Mercari. The item was shipped intact, delivered to the buyer, and later returned in a materially damaged and unsellable condition. I provided chronological photo evidence showing the item was intact when shipped and materially altered upon return.

Mercari acknowledged damage but has refused to release the full payment owed under its Seller Protection policy. Instead, Mercari attempted to condition payment on acceptance of a partial {$200.00} reimbursement under Shipping Protection, which applies only to outbound transit damage and is capped.

Mercari has not provided a clear, written policy justification for withholding the remaining funds or for denying Seller Protection, despite repeated escalation. As a payment intermediary holding seller funds, Mercari is delaying and conditioning release of money without consistent or transparent justification.

This appears to be an improper withholding of funds and a misrepresentation of payout eligibility under Mercaris stated terms.

The damage photos I have uploaded clearly show internal destruction to the original insert box and styrofoam packaging, including inward collapse and breakage around the item cavity. This type of internal damage could not have occurred during normal outbound shipping without corresponding external box damage. The internal packaging was intact when shipped and only destroyed upon return, confirming the damage occurred after delivery.

Mercari was provided with clear photographic evidence of internal packaging damage inconsistent with transit. Despite this, the company declined to apply Seller Protection and did not explain why this evidence was disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: PA

Complaint narrative:
I get multiple emails from fizz saying that I have a balance to pay.I never opened a account with this company they also dont have a phone number to contact them. You can only do so by email but I get harassed on the daily. I am in the process of speaking with a attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is an overall complaint against credit card companies, visa and master card. They automatically send new card numbers to companies and wallets even if it is fraud. They have an agreement with merchants and wallets to do so. How is this protecting the consumer who has reported FRAUD. They then continue to charge the card over and over again. Report again, they change the card number and update all merchants. Yes, I have asked several times for them to stop updating and it is an agreement with XXXX and XXXX. This is BOA & XXXX. They stated to call XXXX to have the auto updates stopped. XXXX & XXXX tell you to call credit card company. How is this protecting the Consumer? I am responsible. This includes XXXX, who the fraudulent charges are coming from who refused to help unless I provided my SSN, address even though I don't have an account with them, refused to allow me to talk to a supervisor. It should be the consumers decision if they wish to have accounts auto updated and any charges should be declined if your card is locked. Yes, it is possible as I have a card with this option. I spoke with another representative today at BOA, she was to freeze my account, yet she issued a new card number, did not dispute the charges and left it unlocked.

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 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
At the end of XX/XX/year> I received an escrow analysis which showed obviously that Fifth Third Bank ( my mortgage company ) paid XXXX XXXX insurance for my homeowners twice for the amount of {$1000.00} both in XXXX and in XXXX. For the past XXXX  months I've been trying to get the extra payment back either into my escrow account or sent to me by check and I've dealt with many people and just got in the runaround. They stated that since they can not find a check number for the second check issued to XXXX that they are unable to request it back from XXXX. I don't know what happened but I can obviously see that they paid twice and Fifth Third Bank owes me {$1000.00}. Because of their mistake I had an escrow shortage and now my mortgage is higher every month by around {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westcreek Financial
State: OH

Complaint narrative:
I am disputing an alleged debt related to an automotive repair transaction that is currently under review with state regulatory agencies. Despite the dispute, the finance company has continued daily telephone calls and has reported negative information to the credit reporting agencies. I have requested that the matter be handled in writing only and that collection activity pause while the dispute is pending, but the calls and credit impact have continued. I am requesting review of the collection practices and credit reporting related to this account. 

Basically, I took my car to a repair shop for a new radiator, used a used radiator. It leaks about a gallon of radiator fluid each time. I use it when I went back to the mechanic he threatened to shoot me so I left.

I told the Finance Company the contract is not fulfilled because he use used parts and he didnt disclose that at all and now the Finance Company is harassing me and I tried to tell them the repair is not complete completed. The contract is broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: CT

Complaint narrative:
We are current on our XXXX mortgage. My husband was recently diagnosed with XXXX and is out of work on approved medical leave. 

While seeking information about a short-term hardship forbearance for XXXX and XXXX, a XXXX  refused to provide written clarification regarding how forbearance would be reported to the credit bureaus. 

When I requested documentation and stated I was recording the call for my records, the supervisor stated she would terminate the call and then disconnected without escalation or resolution. 

I did not consent to forbearance. I am requesting written clarification of credit reporting practices and confirmation of all FHA-compliant loss mitigation options.

Company response to consumer: Closed with explanation