vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IN

Complaint narrative:
Complaint Against Square ( Block , Inc. ) Withholding of Funds I am the owner of a dog grooming salon and use Square ( Block , Inc. ) to process customer payments. My account is set up for next-day deposits, which has been the normal and consistent pattern for my business for years. However, since XX/XX/year>, I have not received any deposits. As of today, Square is holding approximately {$20000.00} of my business funds. I was not given any prior notice that deposits would be paused, nor have I received any email or communication explaining why this action was taken. I have made multiple attempts to resolve this issue directly with Square by contacting support three times via chat and once by phone. Despite these efforts, I have not been provided with : A clear reason for why my funds are being held Any request for documentation or verification A timeline for when my funds will be released Each interaction has resulted in vague responses, and no one has been able to assist me or escalate the issue in a meaningful way. These funds were collected through legitimate transactions for completed dog grooming services. The lack of access to these funds is now impacting my ability to pay employees and cover normal operating expenses. I am willing to provide any documentation necessary to verify my business and transactions, but Square has failed to communicate what is required. I am requesting : A detailed explanation for why deposits have been stopped and funds withheld Immediate instructions for any required verification steps Prompt release of my funds upon completion of any legitimate review This situation is causing serious financial harm to my business, and the lack of transparency from Square is unacceptable. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
Whom It May I am writing in response to your recent contact regarding the alleged debt referenced on my credit report and/or collection notice. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. I dispute this debt and request that you provide proper verification before any further collection activity continues. Please provide the following : The name and address of the original creditor The account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or additional charges Copies of any agreement, contract, or signed documentation showing I am legally obligated for this debt Proof that your agency is authorized to collect on this debt Proof that the debt is within the applicable statute of limitations A complete payment history, including the date of default Until you provide proper validation, I request that you cease collection efforts and refrain from reporting this account to any consumer reporting agencies. If this account is already being reported, I request that it be marked as disputed. Any attempt to collect without proper validation may constitute a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ) .I request that all future communication regarding this matter be made in writing only. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, th I was called by a bank teller at the wells fargo branch telling me that someone came into the branch claiming to be me. She said that when she brought up my account she saw that several transactions were already made and looked suspicious. When she asked the person for ID he said that it was in his car and he did not come back. She called me and asked if I had visited the branch and of course I did not. I immediately went into the branch in XXXX XXXX and explained the situation. I discovered that at XXXX XXXX at XXXX XXXX XXXX in XXXX, ca someone went to the teller and was able to take out {$1700.00} out of my checking account. And at XXXX XXXX on the same day at XXXX XXXX XXXX in XXXX XXXX a {$1800.00} withdrawl was made from my checking account. Wells Fargo refunded the {$1700.00} right away due to the fact it was from a teller. But the {$1800.00} from the atm they refused to refund. The reason that they gave is that they said the when the card was inserted it did not show that it was a cloned or scanned card and the right pin was inputed. I asked them to review the video footage but they refused. I was also at the la XXXX branch before I received this phone call around the same time I was being robbed. They refuse to listen to reason. I also never got an answer on how a bank teller gave away my money without checking for an ID.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CO

Complaint narrative:
I am writing to formally lodge a complaint regarding the consistently poor service and lack of transparency I have experienced recently. I have been a loyal US Bank customer for XXXX years yet the treatment I have received over the past 3 months has led me to this stage. I have made multiple inquiries regarding specific charges and interest percentages on my account. Each time, the explanation provided was either non-existent or intentionally vague. During a recent phone call, the representative was not only rude but also failed to explain the necessary steps to stop further fees from accruing. This lack of guidance feels predatory, designed to keep me in a cycle of charges rather than helping me manage my account effectively. After failing to get answers over the phone, I reached out to a local branch for help. Despite being told they could assist me, the branch representative failed to return multiple follow-up calls. It is unacceptable that a long-term customer can not get a response from a local representative. I can not get ahold of anyone to help me which seems to defeat the purpose of being a consumer of US Bank. The cherry on top of this terrible situation is that I have also made repeated and unrelated attempts to opt out of physical mailings for a business account. I do not want a business account, yet keep receiving mail. I have been told it's not under my account, and the representative was extremely rude and basically told me it is impossible to stop these mailings, which is a direct violation of my preferences as a consumer and an unnecessary administrative burden.

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 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I lost my job and fell behind on payments. In XX/XX/XXXX I started active forbearance for 3 months ( through XX/XX/XXXX ). XXXX XXXX I requested extension on active forbearance which was granted through XX/XX/XXXX. XX/XX/XXXX I received paperwork to go to court for foreclosure. I worked with my bankruptcy attorney and sent over the mailed copy of paperwork I had showing active forbearance, which was all I had, no electronic copies or paperwork existed. The case was withdrawn by the mortgage company. XXXX XXXX I notified the mortgage company that I could resume payments starting XX/XX/XXXX because I had found work. I told them I would be able to resume payments but not pay the lump sum, or additional payments, towards the delinquent debt. I did not get responses back, I called multiple times but I could never get an answer about what I needed, every time I called I stated that I was in post forbearance review and I needed to know status and I was trying to resume payments. Yesterday I received mail stating that I was denied repayment plan without details. I never received any guidance. I searched online and discovered that there is a packet that is supposed to be filled out, I still know nothing about this and can not find it online. I also discovered that I am protected through the VA having a VA loan. None of this was told to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding AWA Collections and their continued reporting of a collection account on my consumer credit reports. On or about XX/XX/year>, I disputed this account and requested verification of the alleged debt, including documentation establishing AWA Collections legal authority to collect, the chain of assignment from the original creditor ( XXXX XXXX ), and an itemization of the balance being reported. To date, I have not received adequate documentation verifying the accuracy of this account or AWA Collections legal authority to collect and report it. Despite this, the account continues to be reported on my credit reports. This account also contains inconsistencies regarding the balance being reported. The original amount of the alleged debt is reported as {$320.00}, while the current balance is reported as {$380.00}. I have not been provided with documentation explaining the increase or showing how the balance was calculated. As a furnisher of information, AWA Collections is required to ensure that all information reported to consumer reporting agencies is accurate and complete. Continuing to report this account without providing proper verification raises concerns regarding compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as well as the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including the prohibition against misleading representations regarding the amount or legal status of a debt. Additionally, I have previously raised this issue and the account remains unresolved, yet it continues to be reported. This suggests that AWA Collections may not be conducting a reasonable investigation or may be relying on incomplete or insufficient documentation. I am requesting that this matter be investigated and that AWA Collections be required to either : 1. Provide proper documentation verifying the accuracy of this account, including a complete accounting of the balance and their legal authority to collect, or 2. Remove the account from all consumer credit reporting agencies if it can not be properly substantiated. The continued reporting of this unverified account is negatively affecting my credit profile and my ability to obtain credit. I request that this matter be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: VA

Complaint narrative:
In XX/XX/year>, unauthorized debit card transactions occurred on my bank checking account. The fraudulent transactions were {$1700.00}, posted on XX/XX/year>, and {$1600.00}, posted on XX/XX/year>, for a total of {$3300.00}. I did not authorize these transactions, did not recognize the merchants, and did not receive any goods or services. The debit card was in my possession at the time. Because the fraudulent amount exceeded my checking account balance, the charges were pulled from my overdraft line of credit. I promptly reported the fraud to my bank and submitted a signed fraud claim in late XX/XX/year>, covering both the checking account and the overdraft line of credit. I also followed up with the bank multiple times. Despite the fraud being reported and documented, the bank failed to resolve the fraud claim and instead charged off the balance and referred the account to American Coradius International ( ACI ) for collection. ACI attempted to collect this debt even though it originated from disputed fraudulent transactions. When I contacted ACI to dispute the account as fraud, I was told that they no longer have records because the account was charged off and could not provide validation of the debt. This is inconsistent with the account having been placed for collection in the first place. The debt being collected by ACI is the result of reported fraud that was never resolved by the bank, and no proper verification was provided by the collection agency after dispute. I took timely and appropriate action to report the fraud and should not be held responsible for this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I want to voice a complaint as a loyal USAA member. I have encountered tough times and was able to get enough to satisfy a past due balance on my credit card ending in XXXX. I made the payment through the app and the payment of {$290.00} on XX/XX/XXXX was somehow applied to an aged insurance policy from XXXX that I was not aware of. I spoke with a representative on XX/XX/XXXX ( please pull the call ) which advised that the payment would be reversed and applied to the credit however I would need to call back on XX/XX/XXXX as the billing department was closed. I called today and was transferred 3 times and had to repeat the issue as if it was not documented. The final representative was helpful but advised that the payment would not be reversed. This is a terrible member experience especially after I was told that it would be. Please handle this as soon as possible as I am continuing to accrue late fees and interest. I spoke with XXXX on XX/XX/XXXX who advised that though the agent advised that the payment would be reversed they would not reverse the payment. The manager XXXX XXXX was not helpful or received to what I was stating and refused to listen to the call. This has been a poor client experience.

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 2026-04-28 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: MortgagePros, LLC
State: MS

Complaint narrative:
MORTGAGE PROS : XXXX XXXX called trying to get me to refinance my home, I stated yes lowering my payments would be great. Talked with several supervisors, XXXX being XXXX XXXX, XXXX then XXXX XXXX XXXX, they just blamed it on me, the interest rate is wrong and everything to do with this company is wrong.... I asked them to fix, no body willl talk to me, my husband has throat XXXX, and the reasoning behind this wanting to lower my rate and payment. Im so very upset, cant pay new note at all!!!!!, appraisal were no good, i paid XXXX dollars for mine was wrong, the whole experience has been a nightmare. NEED HELP BAD!!!!!!!!!!!!!!!!!!! XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX in XXXX, XXXX, California. At the time of purchase I was financed through American Credit Acceptance at a 28 % annual interest rate on a 72 month loan with a monthly payment of {$510.00}. The current principal balance is {$15000.00} with a loan end date of XXXX/XXXX/XXXX. At the time of signing the loan documents the dealership representative verbally assured me that after 12 months of on time payments I would be able to return to the dealership and refinance the loan at a significantly lower interest rate. This verbal promise was a material factor in my decision to accept the loan terms. No written documentation of this refinancing option was provided and no disclosure was made that the vehicle 's age being over XXXX XXXX XXXX would disqualify it from refinancing with most conventional lenders including my own banks. After making on time payments for over 12 months I returned to the dealership to pursue the refinancing I was promised. The dealership did not honor the verbal commitment made at the time of sale. I subsequently contacted my banks XXXX and XXXX XXXX XXXX and was informed that neither institution finances vehicles over XXXX XXXX XXXX, making refinancing effectively impossible. I was never informed of this restriction at the time of purchase or loan origination. I am currently experiencing significant financial hardship. I am a father of XXXX children with a XXXX child XXXX. My family has experienced housing instability and I am currently unemployed and receiving XXXX XXXX. The {$510.00} monthly payment at 28 % interest represents a severe financial burden that is unsustainable given my circumstances. Of the {$510.00} monthly payment approximately {$360.00} goes toward interest and only approximately {$150.00} reduces the principal balance a predatory structure that ensures maximum profit for the lender while minimizing any equity I build in the vehicle. The vehicle 's current market value is approximately {$10000.00} {$13000.00} meaning I am currently underwater on the loan owing more than the vehicle is worth. This was a foreseeable outcome at the time of origination that the dealership and lender would have known but did not disclose. I contacted the lender to discuss hardship options and loan modification but have not received satisfactory assistance. I believe the loan was originated through deceptive practices including misrepresentation of refinancing options and failure to disclose material facts about the vehicle 's age and its impact on future refinancing eligibility. These practices appear to violate the California Automobile Sales Finance Act, the Consumers Legal Remedies Act, and the Consumer Financial Protection Act 's prohibition on unfair, deceptive, and abusive acts and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AR

Complaint narrative:
Cavalry Portfolio Services is reporting a collection account on my credit report that contains multiple material inaccuracies and inconsistencies, including : Reporting the account as past due while also indicating 0 % paid off Conflicting payment history showing C ( collection/charged off ) across multiple months without clear status accuracy Failure to properly update the account to reflect a true and accurate balance and status Questionable timeline indicating the account was placed into collection immediately upon opening Additionally, Cavalry Portfolio Services has failed to provide proper debt validation, including : No original signed contract No complete chain of assignment No itemized accounting of the alleged debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I keep receiving robo-calls from Sequium Asset Solutions this message is for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is Sequium Asset Solutions, calling regarding your XXXX account. Please call us back at XXXX from XXXX XXXX to XXXX XXXX Eastern Standard Time. Thank you. The issue is, I do not work for XXXX XXXX XXXX nor have I had any affiliation with said company in over 4 years. This is not my debt, I have received 16 voicemails from them over the past 14 days. If I answer the phone its never a person, its a robot spam call in violation of calling over 7 times per week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tn XXXX XXXX XX/XX/26 XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX Im writing to formally dispute the allegations debt XXXX. Under the Fair Debt Collection Practice Act, I Request validation of this debt, including the original creditors name, the amount owed and any supporting documentation verifying that I am legally responsible for this debt. Requesting : Proof that I owe the debt, including a copy of the original agreement with my signature. A detailed breakdown of the amount being claimed, including principal, interest, fees and other charges. Proof that your agency has the legal authority to collect this debt. Verification that the statute of limitations for the collection has not expired. Until I receive proper verification, I request that you cease all collection activities including reporting this debt to credit bureaus, as unverified debt should not be reported under the Fair Credit Reporting Act. If you are unable to provide the required information I expect this matter to be closed and for no further action to be taken against me. Please respond within 30days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I use chase like my bank but I need them to support me when I can figure out fraud or scam if I use the service or third party service. The bank has to protect the customer not say we do not have responsibility : )

Company response to consumer: Closed with explanation