vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CO

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 2026-04-01 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year>, two unauthorized transactions were made on my Apple Card totaling {$2000.00} from merchants listed as XXXX XXXX ( {$1100.00} ) and XXXX XXXX ( {$940.00} ). These transactions occurred after my wallet, which contained my physical credit card, was stolen. At the time of the transactions, the card was not in my possession. My wallet was later returned to me, confirming that a third party had access to and used my card. I reported the fraudulent charges to Goldman Sachs ( Apple Card issuer ) shortly after discovering them and initiated a dispute. Temporary credits were applied while the investigation was ongoing. However, after multiple re-investigations, the bank reversed the credits and determined that the transactions were authorized. I do not recognize these merchants, did not authorize these transactions, and did not receive any goods or services related to them. I requested that Goldman Sachs provide the evidence used to determine that the transactions were authorized, including any merchant-provided documentation such as receipts, signatures, or proof of card-present usage. To date, no such documentation has been provided, and no meaningful explanation has been given beyond a generic statement that the transactions were authorized. A police report was filed regarding the theft of my wallet, and I am in the process of obtaining a copy. I believe the investigation conducted was insufficient and lacked transparency. The fact that my physical card was stolen and later returned should have been a critical factor in determining that these transactions were fraudulent. I am requesting a full explanation of how these transactions were deemed authorized, all supporting documentation from the merchant ( XXXX ), and a proper re-investigation of this matter. If no valid proof of authorization can be provided, the charges should be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: MA

Complaint narrative:
Hello, I am writing to request a formal review of a transaction issue on CashApp account. On XX/XX/year>, I sent a {$200.00} payment to XXXX XXXX through Cash App and immediately canceled the transaction and sent it via XXXX instead. Despite this, Cash App still deducted the funds from my bank account. Believing I was charged twice, I disputed the {$200.00} with my bank Chase, which it was reversed on XX/XX/year>. As a result, I have effectively paid {$400.00} when only {$200.00} was intended. My Cash App account is now showing a negative balance of {$200.00}, and any funds ( {$69.00} to date ) I receive on the app are being applied to that negative balance. I contacted Cash App three times since XX/XX/year> and havent received a clear explanation. I requested a refund of {$69.00} and asked them to waive the negative balance. They are requesting I add {$200.00} to my account to remove the negative balance. I dont understand why I would do that as I already paid the recipient through XXXX and Cash App confirmed he never received {$200.00} from the app. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I noticed that my balance due was over my amount spent for this month. I looked and saw it stated I had refund for a purchase that was taken out on purchase balance, but was not taken out of the balance due. I filed for credit for the amount, then, I Googled and noticed people were complaining about this on XXXX XXXX years ago. I looked at my statements and it goes back further than 2 years where I was not given refund. XXXX said I could only get 2 years back for good faith. I have today filed for the 2 years worth which is XXXX refunds in all. I will get an email in XXXX business days which seems odd no confirmation email right away. XXXX 30 days before I will get a result. I figured that there was more than just me getting overcharged for refunds to their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: IL

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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Flandreau Santee Sioux Tribe
State: FL

Complaint narrative:
On XX/XX/year>, I obtained a {$300.00} loan from FSST Management Services , LLC d/b/a 605 Lending. The loan carries an APR of approximately 788.45 %. I began making weekly payments of {$42.00}. Based on these payments, the original {$300.00} principal has already been repaid. On XX/XX/year>, I revoked ACH authorization for this lender through my bank and also sent an email to 605 Lending notifying them that I had revoked authorization and that the principal amount had been repaid. On XX/XX/year> at approximately XXXX XXXX, I received a call at my place of employment from someone identifying themselves as 605 Lending XXXX. The caller stated that it is their policy to contact my employer when ACH authorization is revoked. I explained that I had already emailed the company regarding the revocation and repayment of the principal. The representative stated they had not received my email and provided the address XXXX. I immediately forwarded my original email to that address and also sent a Cease and Desist letter. During the call I was also told that sending the email would not stop them from continuing to contact my place of employment. I consider these calls to my workplace to be harassment and an improper attempt to pressure payment. I have requested that they cease contacting my employer and that the account be marked paid in full since the original loan amount has already been repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TX

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or about XX/XX/year>, my phone and wallet were stolen. Shortly after, an unknown individual gained unauthorized access to my bank account and initiated multiple XXXX transfers without my knowledge or permission. These transactions occurred in rapid succession and were sent to multiple unfamiliar recipients, which is inconsistent with my normal account activity and indicative of account takeover fraud. I did not initiate, authorize, or benefit from any of these transactions and did not have possession of my phone or wallet at the time they were made. I promptly reported the unauthorized activity to PNC Bank. However, PNC denied my claim, stating that Regulation E does not apply to XXXX transactions. This determination is incorrect. These transactions were unauthorized electronic fund transfers resulting from theft and unauthorized account access, which fall under Regulation E protections. Additionally, I contacted XXXX directly and was informed that the bank is responsible for investigating and resolving unauthorized transactions. XXXX case confirmation number : XXXX ( reported XX/XX/year> ). I have also provided PNC with supporting documentation, including a detailed transaction timeline demonstrating a clear pattern of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
This is our second complaint. Right now the issue being Shellpoint XXXX new Rez LLC has filed a foreclosure suit against us. That was after we applied for loss mitigation several times the last being end up XXXX. We were served papers XX/XX/XXXX which is less than 37 days of them receiving complete package. That is dual tracking. I have been working with the HUD loss mitigation dept since XX/XX/XXXX XXXX Shellpoint has not been honest with their loss mitigation procedure. I was told several times FHA/HUD is denying any further loss mitigation option after failing to make trial payment in XXXX. I have explained beyond several times the extenuating circumstances and Shellpoint has continued to deny assistance. I was told in writing by XXXX XXXX loss mitigation for HUD that FHA is not denying my assistance. I was told by several reps over the phone that my foreclosure was not on hold after submitting loss mitigation packages. I submitted several with XXXX over phone and was told they look good. I will demand subpoenas of those phone calls with the information I was presented and told. The trial plan was never sent via certified mail or signed by us. There is XXXX way for Shellpoint to confirm delivery of this information. I filed a complaint for investigation in XXXX. Never received resolution only letters from Shellpoint that they needed more time to investigate. The last one dated XX/XX/year>. Another notice dated XX/XX/XXXX that assistance was denied. I want proof of workouts. I want proof of evaluation of all possible options with numbers backing up their position. Shellpoint has still not connected with XXXX XXXX its been almost a month of her requesting senior management and in the meantime the filed foreclosure. I attached loss mitigation Shellpoint email in every communication with XXXX XXXX. I have kept being told I need to wait and be patient until Shellpoint responds and in that time they have filed my home for foreclosure. There has been severe Dual Tracking in this process. I have kept a file of all communications and proof of this. I have also now filed a complaint with the CT dept of banking HUD/FHA and will be requesting all proof of Shellpoint following federal regulations and proof that they have spoke to XXXX XXXX XXXX HUD. We are not the only family dealing with this specifically with Shellpoint /Newrez LLC . There are 100s of lawsuits against them for dual tracking and mishandling foreclosure process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX, I paid off a XXXX XXXXXXXX Bank of America credit card balance to free up credit limit and allow for additional charges. My account was scheduled for Auto-Pay to pay the remaining statement balance. Several days later, the Auto-Pay processed, duplicating the XXXX XXXXXXXX plus balance that had already been paid. When I called the bank, they said they don't adjust the amount of auto-pay for payments made against the balance. They offered to get me my money back within 10 days. There is no way that this should take 10 days to rectify. This caused major issues on my end as I needed that XXXX XXXXXXXX back. I find this practice to be deceptive, against industry norms, and designed to take advantage of customers and benefit from holding their funds in unduly fashion. This is not normal industry practice. I contacted the Illinois Attorney General 's Office for help and they referred me to the bank 's regulatory team. The bank promised a full investigation within 30 days and to return any phone calls within 48 hours. Neither of these promises were kept. I heard back from the bank today saying that they followed their procedures and they consider the matter to be resolved. I do not agree with this unilaterally-declared resolution and believe their anti-customer practices need to be investigated by the appropriate regulatory agency. I hope that you can help. Thank you very much.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I took out a personal loan from One Main Financial in XXXX California 5 or 6 years ago. I have always been on time paying my loan, until the last year when I lost my job and am going through a divorce. I talked to them several times about my financial issues, however I still always paid my bill even if it was late I paid a late fee everytime and took a few deferments when needed. They would continue to call me 4-5 times a day as well as texting. I call them everytime I get paid which is a different day every month now with my new job and told them to please stop contacting me several times and to please flag my account that I will call them and pay the debt as soon as I get paid, which I have done every month sense telling them that even with late fees, as soon as I get money in my account to pay my bill I always do. They said they would mark that in my file and stop calling me and texting me, well that didn't happen they still continue to contact me several times as well as several texts daily. Today XX/XX/year> I got paid and I called them first thing to pay my debt. I talked to XXXX the branch manager who was very rude calling me irresponsible for not paying my bills and they have a legal right to call me and I was being irresponsible for not answering, I explained to him I have told them several times I will call when I have the money and pay I am doing what I can with little money I have to ensure I still pay my debt off, he was very rude and unkind and even claimed them calling me over and over was not harassing even though I had previously asked them to please flag my account SEVERAL TIMES and make notes that I will call as soon as I have their payment and to please stop calling and texting, which I have ALWAYS done even if it is late and I have always paid the late fee understanding thats my punishment for being late. I have a disabled child who I am soley financially responsible for and I am trying my best and making sure they get the money I owe. I was treated with major disrespect and have been harassed for months i had to end up blocking them, even after blocking, the calls and texts continued. I do NOT appreciate the branch manager XXXX treating me like a criminal and not caring about what I am financially going through while still making sure I pay my debt saying I am not being a responsible adult by taking a loan out and not sticking to what I signed 5-6 years ago when I was more financially stable, things happen this last year where I am struggling barely keeping food on the table while working long hours and still making sure I make my payment to them even if late, they make plenty of interest on me and especially the late fee is free money to them, I have been a good loyal customer for years and I don't deserve this treatment and harassment. I will be filing harassment charges, please beware of taking a loan out from One Main Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: FL

Complaint narrative:
Issue : Unauthorized payroll deduction attempts after written revocation of authorization. Company : Payactiv Summary of the Problem : I revoked authorization for Payactiv to initiate payroll deductions or automatic repayment attempts. Despite providing written notice, Payactiv has refused to honor my revocation and has stated that I can not revoke authorization because it falls outside the allowable time frame. Payactiv continues to attempt deductions or maintains the authorization as active, even though I have clearly withdrawn consent. Details : On XX/XX/year>, I sent Payactiv a written revocation of authorization for payroll deductions and automatic repayment methods. This revocation was delivered through the Payactiv app and by email. I requested confirmation that : 1. Payroll deduction authorization was revoked 2. No further deduction requests would be sent to my employer 3. All automatic repayment methods would be disabled 4. My account would be switched to manual repayment Payactiv responded by stating that I can not revoke authorization because it falls outside the allowable time frame. They have refused to process my revocation and continue to treat the authorization as active. A voluntary payroll deduction authorization can be revoked at any time. Payactivs refusal to honor my revocation has resulted in continued or attempted deductions that I did not authorize. What I Want : I am requesting that Payactiv : Acknowledge and process my revocation of authorization Stop sending any deduction requests to my employer Disable all automatic repayment methods Switch my account to manual repayment only Confirm in writing that no further deductions will be attempted I am also requesting that the CFPB review Payactivs handling of revocations and their practice of denying consumers the ability to withdraw authorization. Documentation : I can provide : Copies of my revocation messages Payactivs responses Screenshots of deduction attempts Screenshots of my account settings Any payroll records showing attempted deductions Thank you for reviewing this matter.

Company response to consumer: Closed with explanation