vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
In or around XX/XX/year>, I processed a transaction through Square , Inc. using a credit card in the amount of approximately {$2600.00}. After processing fees, the net amount of {$2500.00} was held in my Square account. Shortly after, I initiated a request to have these funds returned. At that time, I was informed that the funds would be released within approximately XXXX months. However, more than XXXX year has now passed, and I have not received the funds. During this time, my Square account was deactivated by the company. While I understand that Square may terminate accounts under its terms of service, this does not justify the continued retention of my funds without resolution. I have made multiple attempts over the past year to resolve this issue, including contacting Square support and submitting formal written requests. In response, I have been informed that : No final decision has been made regarding my funds There is no available timeline for when the funds will be released The matter has been escalated internally, but no follow-up or resolution has been provided Despite repeated follow-ups, Square has not provided : The total amount of funds being held ( although documentation confirms {$2500.00} ) A clear explanation for the continued hold A release date A method for returning the funds Additionally, the original transaction was made using a credit card. Due to the prolonged delay of over XXXX year in returning these funds, interest has accrued on the balance, resulting in additional financial harm exceeding {$400.00}. As of today, the funds remain marked as unavailable, with transfers paused and no access provided. Documentation confirms that the funds have been held since approximately XX/XX/year>. This prolonged delay, lack of transparency, and failure to provide access to my funds is unreasonable and has caused significant financial XXXX. Retaining funds for over a year without resolution or a defined timeline may constitute an unfair or unlawful withholding of funds. I have made good faith efforts to resolve this matter directly with Square, but no meaningful resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
XXXX is the company that provided the product I could not use. AFFIRM is the financing company that pre-paid XXXX XXXX months of product. XXXX sent me XXXX months of product that I have paid for. On XX/XX/year> They contacted me to confirm delivery of the remaining XXXX months of product. It was noted that I cancelled on file and they are not sending the remaining product. AFFIRM continues to claim that I owe them XXXX months of product that I cancelled. Please see letter that I have sent to both XXXX & Affirm : To Whom It May Concern, I am formally disputing charges associated with my financing agreement for a XXXX weight loss program provided by XXXX. The basis of this dispute is that the goods and services financed were not provided as agreed and are not usable for their intended purpose. The product supplied has caused adverse physical effects that make it medically intolerable and unsafe for me to continue using. As a result, I am unable to participate in or benefit from the program I was financed for. This constitutes a failure of service delivery and breach of contract, as the program can not be completed under these conditions. I have made multiple good-faith attempts to resolve this matter directly with the merchant, including requests to cancel future shipments and obtain a refund for the unused portion of the program. These efforts have been unsuccessful. Under consumer protection standards applicable to financing arrangements, including Buy Now, Pay Later products, I am asserting my right to dispute charges for services that are defective, unusable, or not provided as agreed. I am requesting the following actions : Immediate review and reversal of remaining charges associated with this agreement Suspension of billing during the investigation Confirmation that no further financial obligation will be enforced for services that can not be used Please provide written confirmation of your investigation and findings. Sincerely,

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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing in response to your attempt to collect an alleged debt, referenced as LVNV FUNDING. Under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( 15 U.S.C. 1692g ), I formally request validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), if you can not provide adequate validation, I demand that this account be deleted from my credit report. Please provide the following documentation as proof of the alleged debt : 1. A copy of the original signed agreement or contract establishing my obligation to pay. 2. A full account history showing the original creditor, amount owed, and payment history. 3. Verification that you are legally authorized to collect this debt in my state. 4. Proof that the alleged debt has not been paid, settled, or discharged. If you can not provide adequate validation within 30 days, you must cease collection efforts and remove any negative reporting related to this debt from all credit bureaus in compliance with the FCRA and FDCPA. Failure to do so may result in legal action against your company. Please respond in writing to the address provided above. I request that all future communications be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions Inc.
State: AZ

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
National Credit Systems is reporting and attempting to collect a rental debt of {$15000.00} related to XXXX XXXX XXXX, but the amount is inaccurate and/or not reasonably verifiable. I never received a complete itemized bill from XXXX XXXX showing how this amount was calculated. I requested an itemized bill and also disputed the account directly with National Credit Systems. In my XX/XX/XXXX dispute, I specifically requested a complete itemized ledger, the holdover rate, the lease authority for that rate, and a detailed explanation of how {$15000.00} was calculated. I did not receive a complete itemized accounting. The underlying payment history does not support a straightforward holdover balance. XXXX XXXX records show XXXX payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, each in the amount of {$150.00} with unpaid amount XXXX on that report page. My lease says that if a holdover occurs and the landlord accepts subsequent rent, I become a month-to-month tenant. The lease also says rent is not considered accepted if the payment is rejected, does not clear, or is stopped. XXXX can not reject tendered rent, rely on post-expiration payment activity, and still report the entire amount as a verified holdover debt without providing a clear itemized explanation of what was accepted, what was rejected, and how the balance was calculated. Under these facts, the reported balance can not be accurately described as a straightforward, verified holdover debt. At minimum, it is false, inflated, or not reasonably verifiable. I am asking CFPB to require National Credit Systems to : provide a complete itemized ledger and supporting documents for the reported balance ; correct the account to reflect the actual payment history and lease terms ; report the account as disputed to all consumer reporting agencies ; and delete the tradeline entirely if the amount can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
On XX/XX/2026, I financed a XXXX XXXXXXXX XXXX XXXX XXXX through Toyota Financial Services ( loan originated at XXXX XXXX 's XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX ; legal entity XXXX XXXX XXXX ). Contract terms : {$31000.00} financed, XXXX months, 8.25 % APR, $ XXXX. Issue XXXX Financing rate. My XXXX XXXX Score XXXX was XXXX at the time of purchase, consistent across XXXX, XXXX, and XX/XX/2026. I was charged 8.25 % APR through Toyota Financial Services on a XXXX term. I contacted XXXX directly to request my approval tier, the buy rate assigned to my loan, and whether any dealer markup was applied above the lender-approved rate. XXXX directed me back to the dealership. The dealership 's General Manager subsequently refused to answer these questions in writing and stated he would no longer respond to email inquiries. I am requesting that CFPB obtain from Toyota Financial Services : ( 1 ) the credit tier I was assigned, ( 2 ) the buy rate approved for this transaction, and ( 3 ) whether any dealer reserve was added above that rate. Issue 2 Add-on products embedded in vehicle selling price. The Retail Installment Sales Contract lists the Vehicle Selling Price as {$32000.00}. This figure includes {$1900.00} ( Theft Security System ) and {$990.00} ( Theft Code Replacement ) that were not listed as separate line items anywhere in the XXXX. Only the XXXX & XXXX XXXX ( {$1200.00} ) was separately listed as a nontaxable optional charge, as required. The XXXX embedded add-ons were taxed as part of the vehicle price, resulting in approximately {$250.00} in sales tax on products that should have been separately disclosed. The dealership 's General Manager confirmed in writing that these products are not being cancelled from the loan only a {$2900.00} " goodwill '' check was offered, which does not address the interest on those amounts over XXXX months or the sales tax paid. Issue XXXX Contract copy not provided at signing. The XXXX ( Section XXXX, page XXXX ) states in all caps that I would receive a paper copy of the signed contract at time of signing and contains a buyer acknowledgment of receipt. I did not receive a paper copy. I received a USB drive after signing was complete. The USB contained what appears to be a pre-signature review copy labeled " UCC non-authoritative copy. '' The dealership has not confirmed in writing whether a final signed authoritative copy exists or when it was provided. I am requesting CFPB investigate Toyota Financial Services ' rate assignment for this transaction and obtain the lender 's records for my loan. Loan account : XXXX Contract reference : 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 when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
The below CFPB XXXX was never answered by Target. They sent a letter stating that they're still looking into it. It has been nearly 5 months and this issue is still a problem and needs to be resolved immediately. This should not be handled this way : " I have been encountering an error adding an external bank account ending in XXXX to my online account. I have called Target numerous times over this matter, only to be given multiple different reasons. The error given on the website is something along the lines of " This account is not setup for XXXX transactions, call our customer service '' when it is setup for XXXX and I have had to make numerous payments over the phone because I can not do so online. Because of this, the account is saved in Target 's system but is not showing online. The team continues to give an external vendor 's phone number, which is a business phone number. I need Target to work with their own vendors and allow XXXX to show on my online account. I can not call in each month to make manual payments. I had case XXXX opened by a manager, was told to call in within XXXX business days if the issue still comes up ( which it does ), and I was then told by the manager XXXX ( employee ID XXXX ) that no one can view this case (? ). Either she was giving misinformation, did not look into anything, and/or the way that Target handles cases and basic issues is not right. The way this error is being handled is ridiculous and I shouldn't be filing a CFPB. ''

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A charge was made on XX/XX/year> with my Bank of America credit card in XXXX NY at a XXXX store for {$190.00} which I did not authorize. I had the card in my possession at the time of the transaction. I was alerted immediately by e mail and disputed the charge right away. On XX/XX/year> Bank of America denied my disputed charge. That card was set to expire XX/XX/year>. I received several emails of a new card sent that I never received. I believe a fraudster got hold of that card and used it. I never confirmed receipt of the new card. I locked the card after the card and a new card was sent with a new number that I received and called to activate.

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: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding an extremely unprofessional and aggressive phone call I received from someone claiming to represent Rocket Mortgage. On [ insert date ], I received a call from the phone number ( XXXX ) XXXX. The caller stated he was affiliated with Rocket Mortgage or a mortgage/refinance service. During the call, his behavior was rude, pushy, and inappropriate. I felt pressured and uncomfortable, and his tone was completely unacceptable for someone representing a financial service. When I attempted to disengage, he continued to push aggressively instead of respecting my boundaries. This kind of conduct reflects very poorly on any company he claims to represent. I contacted Rocket Mortgage directly and was told they could not verify the individual. This raises serious concern that either : 1. A third-party affiliate is acting unprofessionally under your brand, or 2. Someone is misrepresenting your company entirely. Either situation is concerning and should be investigated. I am requesting that this incident be reviewed and that appropriate action is taken to prevent this type of behavior from happening to others. Phone number involved : ( XXXX ) XXXX Thank you for your attention to this matter.

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: MD

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: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: NY

Complaint narrative:
I have had a personal and business banking account with Revolut. Neither account I have been able to access since XX/XX/2025 though I have tried to work with Revolut customer service. However, since I have not been able to login to the app they have provided no assistance. My account numbers : Business Checking # XXXX Personal Checking # unknown at the moment XXXX XXXX along with pin stopped working in XX/XX/2025. XXXX XXXX card ending in XXXX, XXXX which may have been cancelled by the person who committed identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Remitly, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I noticed XXXX separate charges on my bank account that showed they were pre authorized debits. I do not know who this company is nor did I authorize these funds to be taken out of my checking account. The first amount on XX/XX/XXXX was for {$4000.00} and the second amount was done on XX/XX/XXXX. I called Remitly Inc Remittance XXXX and spoke with customer service in which I gave my name, XXXX XXXX, and my phone number. She indicated I did not have any account set up with them and show no authorized transactions through my phone number nor name. Rep indicated she was transferring me to Consumers Protection to have these charges reversed and noted as unauthorized and email me. When transferred, I was asked questions and hung up on and sent to do a survey. I would like this matter investigated and my funds returned. I did make a report with the FBI as well. I would like to know who had access to my bank information and where the funds was sent to in order to press charges criminally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Product : Mobile or digital wallet ( XXXX ) Issue : Problem with a transaction/ Funds not available. Description : I am a frequent user of the XXXX XXXXXXXX XXXX and am currently traveling. My card is being repeatedly declined at various merchant terminals despite having a sufficient balance and my account being in " Active '' status. I have contacted XXXX support multiple times. Representatives have confirmed that my account is not frozen and there are no security blocks they can see, yet they acknowledge the system is " automatically '' declining the transactions. They have failed to provide a reason for these declines or a timeline for a fix, simply telling me to " wait. '' As I am traveling, this lack of access to my funds is a significant hardship. I am requesting that XXXX escalate this to their technical risk department to remove the automated filter blocking my legitimate transactions and provide a clear explanation as to why these declines are occurring when no account violation has taken place

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 — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX of XXXX I received a notice of default, acceleration, right to cure, and plan to sell property ( investments ) email from MoneyLion stating that I owed them {$450.00} from an unpaid loan. I called MoneyLion support to see the status of my account, and they told me that due to fraud my account had been closed. I requested a copy of the signed loan agreement, as I was unsure of the nature of this loan, and I was told that due to my account being closed I was unable to receive a copy of this agreement. In the email from MoneyLion it states that if I'd like to request written explanation about how they calculated what I owe, that I may call customer service or write to their address. Upon calling customer service and requesting this I was told that this explanation was not available to me. It was told to me that I check email from XXXX of XXXX as the only way to view. After calling MoneyLion several times over the course of XXXX weeks and getting little to no help with reinstating my account or viewing anything that directly ties me to this loan ( and not fraud ) I am at a loss of what to do. But not wanting MoneyLion to report to CRA I considered paying the balance. The loan in question is a credit builder plus loan, where {$500.00} of the initial {$1000.00} lent is held in a reserve account by MoneyLion, and upon paying off the loan balance the funds in the reserve account are released to the customer. Upon asking MoneyLion customer service how I would receive the {$500.00} that is in reserve, after making the payment of {$450.00}, I was told that this money would not be returned to me at all, due to the account being closed.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: NC

Complaint narrative:
SIMM Assoc-Debt Collector : You can still resolve your account. Click XXXXSIMMXXXXXXXX or call us at XXXX. Re : SIMM # XXXX. Reply STOP to opt out. XXXX Formal Cease and Desist This letter serves as a formal demand to immediately discontinue all text and email communications directed to me. I am no longer willing to tolerate the receipt of threatening demands. I have repeatedly communicated that I am not the intended recipient of these communications. Kindly consider this a formal request for my immediate removal from your contact list. Should these messages persist, I will be compelled to pursue further action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation