vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Dispute of Collection Agency Violation Dear Sir/Madam, I am writing to formally dispute an entry on my consumer report placed by CREDIT CORP SOLUTION IN.

1. Lack of Validation : The collection agency has failed to provide the validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection account on my consumer report.

2. No Opportunity to Dispute : I have not been provided with an opportunity to dispute this account as per 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. Violation of Consumer Rights : The collection agency is in violation of my consumer rights by using false, misleading, and deceptive misrepresentation.

I am disputing owing any and all debts to CREDIT CORP SOLUTION IN. and also revoking my rights of them communicating with me through text/ call/ email. 

I request that the CFPB investigate this matter and assist in ensuring that my consumer rights are upheld as well Im requesting debt validation also the agreement between the original creditor and that they furnish proof that they are licensed and bond. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
XX/XX/XXXX I tried to withdraw {$160.00} out of my account and the ATM DID NOT WITHDRAW THE MONEY. It only deposited XXXX back into my account. I filled out a dispute and complaint the next day on XX/XX/XXXX. I have not heard anything. I have been calling and wanting a credit and nothing is happening. They also make it inconvenient when I go to a store and try to use my ATM VIA XXXX XXXX it says invalid account number. Call then and of course no info. I would like my funds back so I can close my account with XXXX. They have FRAUD with their ATMS. People sleeping in the Atm Station as well cant withdraw. Please help. Thank you. They owe me {$110.00}. Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Hello Coinbase XXXX XXXX, I am requesting an immediate escalation regarding a post-cancel execution error on my XXXX limit sell order. I opened a case a week ago and have not heard back. 

I have attached a copy of my cancellation confirmation order that was emailed to me. Coinbase confirmed the cancel at XXXX XXXX on XX/XX/year>, yet the platform executed the sell hours earlier at XXXX on XX/XX/year>. According to the email the cancellation was for the full amount of XXXX XXXX  coin. 

This is an illegal post-cancel execution under XXXX trading rules because 1. Coinbase sent me a final cancellation email for the full amount of XXXX XXXX  2. The execution timestamp is before the cancellation timestamp 3. Therefore, the order should never have been executed at all 4. This is a clear system error or forced execution incorrectly applied Under SEC/FINRA-aligned order handling principles and Coinbases own published trade error policies, it is not permissible to execute an order after a cancellation has been confirmed, nor to show an execution timestamp that predates the confirmed cancellation. 

This is a trade error requiring : A full reversal of the executed sell, or Price adjustment / compensation equal to the impact of the erroneous execution. 
This type of error falls under : SEC Rule 15c3-5 ( Market Access Risk Controls ) FINRA Rule 5310 ( Best Execution ) FINRA Rule 11890 ( Clearly Erroneous Transactions )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was having problems with my. And and I call to tell them my card keep declining but I'm still being charged so they send me a new card and it was still doing the same thing when I call to do a dispute the charge. They toll I can't but I keep on calling then when I got someone to help they put my wife card in to fraud and not i own XXXX almost XXXX dollars and capital one is say it XXXX  fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am formally disputing the DISCOVER CARD account reporting on my credit file. This account is not mine and is the result of a data breach where my personal information was compromised. I received notice that my information was exposed in a confirmed data breach, which has led to unauthorized accounts being reported under my name.

Despite multiple disputes and validation requests, DISCOVER CARD has failed to provide documentation verifying the accuracy or ownership of this account. I have repeatedly requested validation, including a signed contract, itemized statement, proof of assignment, and verification procedures, but have received no such evidence.

Furthermore, DISCOVER CARD failed to properly investigate or verify this account as required under : 15 USC 1681i ( a ) ( 1 ) duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) duty to provide the consumer with a description of the verification process 15 USC 1692g validation of debts 15 USC 1692e ( 8 ) prohibition of reporting information known to be false The continued reporting of this unverifiable and fraudulent account violates these provisions and has caused me significant hardship, including denial of services, credit opportunities, and emotional distress. 

I have also filed complaints with the FTC regarding this fraudulent activity. I am requesting that the CFPB investigate this matter, compel DISCOVER CARD and the credit bureaus to provide full verification or immediately remove this fraudulent account from my credit reports to restore the accuracy and integrity of my consumer file.

Unauthorized Account Listed : 1 ) DISCOVER CARD Amount : {$2000.00} Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX, a mobile payment service that is currently owned by the company PayPal, currently has my personal account frozen/suspended for identity verification. I have verified my identity multiple times and have done so recently in the beginning of XX/XX/year>. I have been trying to get my account unfrozen and regain full access and control of my account by going through their process, support channels, and other methods but XXXX  has not yet taken action to coordinate with me to resolve my issue. They have reached out to me via the email that is currently on my account, however the email is not accessible at the moment, and Ive called several times in order to get this sorted out while also trying to be compliant with their process. That process, as it was explained to me, is that an account specialist will receive my case and then reach out to me via the email that I requested to be contacted by so that I can participate in the process and proceed with verification. I was not only willing but hoping to do whatever XXXX  needed for me to do in order to satisfy their requirements so that I could regain full access and control of my account, however, I still have not received any contact from XXXX  in order to initiate and complete this process. It has been a full week of dealing with this, as I first contacted XXXX  on XX/XX/year> in regards to this issue. Every single day I have been told that I cant receive support over the phone for this matter and that the case was being escalated in which was simply a note for an Account Specialist to email me at the new email address I requested and go from there. This has yet to happen and I really need help in getting XXXX  to take more appropriate and helpful steps in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: GA

Complaint narrative:
A letter from U. S Bank in regards to my car loan being paid out. 



Dear XXXX XXXX XXXX : Thank you for choosing U.S. Bank. 
We were informed that the property serving as collateral for the account referenced above has been deemed a total loss. 
As a result of the notification, we provided the insurance company with the documents and/or information needed to start the total loss process. An overview of our total loss process is provided below. 
In accordance with the terms of your contract, you are responsible to continue making your monthly payments to keep the account current during the total loss process. 
When we receive all necessary documents from the insurance company, if requested, we will fax a letter of guarantee ( a document advising of the agreed upon settlement amount to be paid to U.S. Bank ) within five business days to the insurance company. The insurance company may return the letter of guarantee along with the settlement payment. When the settlement payment is received, it may take up to ten business days to apply the payment to your account. The total loss settlement payment will be applied as a principal payment effective the date of loss. If the total loss settlement payment is enough to payoff the account in full, as of the date of loss, any additional payments made to your account after the date of loss will be returned to you as an overage check. Once the funds are applied, the title is then released to the applicable recipient. In the event that you are retaining collateral, the lien will be released once the account is paid in full.

If you purchased any warranties/service contracts through your dealership, you may be entitled to a pro-rated refund of these products which may reduce your outstanding balance. Please contact the dealership or warranty administrator to assist with canceling these products. If you purchased Guaranteed Asset Protection ( GAP ) when you financed your vehicle with us, you may be entitled to an additional payment from your GAP provider for the total loss. 
If you have questions regarding this letter or the activity on your account, please visit your local branch or call U.S. Bank Total Loss Support at XXXX Monday through Friday from XXXX XXXX XXXX XXXX XXXX XXXXXXXX We accept relay calls. 
We appreciate your business and are here to help support your financial goals.

Sincerely, Consumer

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 2025-11-30 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: PA

Complaint narrative:
On or around XX/XX/year>, multiple unauthorized transactions occurred on my Cash App account from the same fraudulent merchant. I immediately reported the fraud to Cash App, submitted all requested documentation, and filed an XXXX report. Cash App accepted my evidence and issued a partial refund of {$160.00} for one of the disputed transactions, confirming that fraud had occurred. 

However, after issuing the partial refund, Cash App unexpectedly paused the remaining disputes and required additional identity verification, placing a 45-day delay on my remaining funds. This decision was made even though the same evidence was already accepted and used to approve the initial refund. 

At the time of the fraud, the stolen funds were designated specifically to retrieve my vehicle and personal identification, both of which are currently locked inside my vehicle at a tow yard. Because of this pause, I have been unable to recover my ID, vehicle, or access essential transportation. My vehicle is now at risk of loss due to mounting storage fees and legal deadlines. 

Additionally, this delay has directly caused severe financial hardship, including rent delinquency now exceedingly approximately {$3000.00} with late fees. These consequences would not exist if Cash App had completed the already-approved dispute process without delay. 

I provided multiple official documents showing consistent proof of identity and address, including : XXXX correspondence My tow company contract The tow companys payment agreement with me All documents display the same name and address and align with the timeline of events. Despite this, Cash App continues to delay resolution without explaining why previously approved verification is suddenly insufficient.

I requested : The status of the remaining disputes A timeline for resolution An explanation for the 45-day delay after partial approval Clarification on what additional verification is being required Cash App has acknowledged my hardship and escalated the case internally but continues to deny release of the remaining funds, leaving me in escalating financial and legal danger.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
You are failing to comply with 15 U.S.C. 1692g ( b ), which mandates that all collection efforts stop when a consumer sends a timely validation request. The accounts in question contain inaccurate details. Provide proper verification, including a signed agreement, detailed account history, and proof of your legal authority to collect, or remove the information from my credit file. 

CONSERVE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
This has been on my account for years. 
XXXX to 4 years ago I was out of work and behind on some bills including my mortgage. But not in any way close to foreclosure or any of that. 
Suddenly a fee of XXXX was attached to my bill and currently is still attached. 
I refuse to pay this bill especially when they tell me its a property inspection. So I asked i wanted prove some photos and a letter dropped at my house during inspection. Nothing so its still attached to my bill. As far as fee 's I've found on there site a fee of XXXX being XXXX to XXXX weeks behind should not cost me almost XXXX regardless. Show me the prove PHH

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This notice is to address a violation of 15 U.S.C. 1692g ( b ). I requested validation within the 30-day window, therefore you must cease all collection activity until you send proper documentation. The accounts listed are not fully accurate. Supply competent evidence signature, full account breakdown, and proof you may legally collect or delete the items from my report. NCB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Company : Block, Inc. ( Cash App ) Product : Mobile Wallet / Virtual Payments Issue : Fraud or scam ; unauthorized transactions ; financial loss ; failure to assist Dollar Amount Lost : Exceeds {$5000.00} What Happened At no point did I authorize these transactions. These funds were either removed from my Cash App balance without authorization, intercepted during transfer, or fraudulently redirected. I am filing this complaint because I experienced fraud through Cash App that resulted in the loss, theft, and/or interception of more than {$5000.00} in cash deposits.

Despite providing detailed evidenceincluding timestamps, transaction IDs, screenshots, and verification that the activity was not initiated by meCash App refused to restore the stolen funds or properly investigate the matter. After discovering the unauthorized activity, I immediately contacted Cash App support.

I have not been provided any meaningful investigation results, fraud documentation, or dispute resolution. Yet Cash App repeatedly responded with generic, automated messages and closed my support tickets without explanation. The fraudulent transactions were significant, sudden, and clearly inconsistent with my account history.

Steps I Took With Cash App Reported the unauthorized transactions through the app immediately.

Submitted all requested documents and screenshots. 

Verified my identity and account ownership. 

Attempted to escalate the issue through multiple support channels. 

Requested a full investigation and recovery of the stolen funds. 

Requested documentation of Cash Apps findings. 

At no time did they provide a legitimate investigation or an explanation for their decision. Cash App ignored these requests, closed the cases without resolution, or sent copy-and-paste responses stating they could not assist. 

Impact As a regulated financial service, Cash App has an obligation to investigate unauthorized transactions, provide consumers with dispute rights, and ensure that customer deposits are protected from fraud and interception. These funds were intended for essential expenses, and Cash Apps lack of support has further compounded the harm. The financial loss exceeds {$5000.00}, which has created a significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
XX/XX/year> around the time XXXX XXXX  and XXXX XXXX  I went through a drive-through at Huntington Bank made a cash deposit in the amount of {$2000.00} the ATM received my money then showed a error. Message of transaction canceled and went back to the home screen before I was able to take a picture it didnt give me a receipt or acknowledge the money that they had took. I then called customer service and requested a deposit dispute. They credit my account in that amount during investigation now the investigation is over and they are saying they did not see a deposit in that amount. I need help getting my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TN

Complaint narrative:
I was sitting at my sister in laws home in XXXX Tennessee, when I got a notification that someone checked my balance on my Cash App card then proceeded to withdraw ALL of that money which was {$680.00}. I disputed that charge and canceled my card, I called Cash App because I needed the address of the atm used to make a police report, only one man provided me with the address which was in Massachusetts when Im in Tennessee but he could not send me any proof of that address so I called again the next day and they are not providing me with the address at all. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
My consumer rights are being violated. Under 15 U.S.C. 1692g ( b ) of the FDCPA, once a written validation request is made within 30 days, all collection activity must pause until proper proof is provided. The accounts in question contain inaccurate information. Until you supply real evidence such as a signed contract, full account history, and proof youre legally authorized to collect you are required to stop all collection attempts and delete these items from my credit report.

IQ DATA XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing and unauthorized several hard inquiries that appear on my credit report from an unknown person between XX/XX/year>, and XX/XX/year>. This is incorrect and is not related to an application for an auto loan. I did not purchase a car on this date. There was a physical presence at this location to apply for financing, but I did not provide written authorization, consent, or a signature from this entity or any representative thereof to pull my credit report. This is an unauthorized inquiry lacking the necessary permission and purpose required for credit reporting ( FCRA ), and it is damaging my credit score. I have a XXXX credit score. The inquiries include XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation