vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MI

Complaint narrative:
Feedback regarding COMPLAINT ID XXXX The page keeps spinning when attempting to submit on initial complaint Thank you for the opportunity to respond. 

It is completely unreasonable for a financial institution to wait approximately 60 days to respond after a consumer initially contacts the company to resolve unauthorized and improper debits. That delay alone demonstrates a lack of good-faith effort to address consumer harm in a timely manner. 

Throughout my attempts to resolve this matter directly with Cash App, I experienced dismissive, rude, and unprofessional treatment from customer service representatives. I was repeatedly redirected without resolution, spoken to in an inappropriate manner, and ultimately restricted from meaningful phone contact. This pattern mirrors the extensive volume of consumer complaints already documented against Cash App involving fraudulent activity, delayed responses, and inaccessible support. 

It is troubling that meaningful engagement only occurred after CFPB involvement. Consumers should not be required to file a federal complaint simply to receive a response. A delayed acknowledgment nearly two months later does not constitute adequate customer service or regulatory compliance. 

Due to these experiences, I have completely ceased all interaction with the Cash App platform and the associated account. Had I been aware of the breadth of negative consumer experiences and ongoing investigations at the time of account opening, I would not have done so. The companys current regulatory scrutiny and volume of complaints speak for themselves. 

While I acknowledge the response now provided, it is insufficient and untimely. Cash App should prioritize meaningful improvements in customer service training, internal controls, and response timelines. Consumers deserve respectful treatment and prompt resolutionnot prolonged silence followed by reactive damage control. 

Based on my experience, I would not recommend this financial platform to any consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. XXXX XXXX  has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681iXXXX XXXX XXXX  must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. XXXX XXXX  persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has been holding funds related to two airline transactions since XX/XX/year>, without posting or releasing them. 

The first transaction is a XXXX XXXX authorization for {$400.00} that was never captured by the merchant. The second is a XXXX XXXX charge for {$240.00} listed as order placed, which has neither settled nor reversed. 

Both transactions exceed standard authorization timeframes, yet PayPal continues to hold the funds without resolution. I have contacted PayPal multiple times and have not received a concrete timeline or corrective action. 

These funds are being improperly withheld, creating a financial burden. I am requesting immediate release or reversal of both transactions and a review of PayPals authorization hold practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I am very disappointed about 3 years Exeter had put a debt on my credit for XXXX and they have been reporting every month since then. I noticed on my credit 3 months ago they put another debt on my account for XXXX. I am not understanding how they can penalize me twice for one vehicle it have brought my credit extremely down.. I have called and tried to see where the account came from 3 months ago and I couldnt get a reference number or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a written collection notice from Monterey Financial Services, LLC attempting to collect an alleged debt on behalf of XXXX in the amount of {$8600.00}. 

The notice states that the alleged balance consists of an original amount of {$7000.00}, plus {$4.00} in interest and {$1500.00} in fees. These charges were not clearly disclosed or explained, and the balance appears to be inflated through undisclosed and potentially unlawful fees. 

The alleged debt is disputed due to deceptive and misleading practices at the time the account was created, including failure to provide clear disclosures regarding fees, interest, and total financial obligation. At no time was the true cost or cumulative amount properly explained. 

Upon receiving the collection notice, I timely disputed the debt in writing and requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested proof of legal obligation, an itemized accounting of the balance, and documentation showing the collectors authority to collect.

Despite issuing a demand for payment, the collector failed to provide validation of the debt prior to attempting collection. Any continued attempt to collect or report this disputed debt without proper verification constitutes a violation of federal consumer protection law. 

I am requesting regulatory assistance to require the collector to cease collection activity, provide lawful validation, and prevent any inaccurate credit reporting related to this disputed account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX  I inquired with my bank ( Marcus by Goldman Sachs ) what was the process to update my last name due to marriage. I was instructed to mail them my original marriage certificate along with a copy of my drivers license and that if I wanted my original documents back to state so on a cover letter, which I did. I asked if my name needed to be updated on my drivers license and they stated it did not. On XX/XX/XXXX I received a call from Marcus stating that they could not process my name change because the name on my drivers license was not updated. They stated they would mail my documents back to me and that I could send them again once I had my new drivers license. On XX/XX/XXXXXXXX  after receiving my new drivers license I mailed my original marriage certificate and a copy of my new drivers license along with a letter stating I wanted my documents sent back to me after processing as previously instructed. My name change was processed on XX/XX/XXXXXXXX  but I never received my documents back through the mail. On XX/XX/XXXXXXXX  I called Marcus to inquire about my documents and why I have not received them in the mail. They stated that it is their policy to not return documents to their client even though the instructions I was previously provided with stated that they would. I have screenshots of the instructions I was given and them stating that my documents would be returned to me. I find it unacceptable that they would request an original legal document and refuse to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CreditNinja Lending, LLC
State: FL

Complaint narrative:
I am filing this complaint due to Credit Ninjas failure to provide adequate, reasonable means to make a payment after I agreed to resolve the account for a settled amount. 

Beginning on XX/XX/year>, I repeatedly contacted Credit Ninja via email attempting to make payment and resolve the account. These communications are documented. Despite this, Credit Ninja has claimed that I made no attempts to pay, which is false and contradicted by written email evidence. 

Credit Ninja does not provide a functional, human-accessible payment channel. All attempts to pay lead only to automated systems that do not allow resolution, settlement payments, or meaningful assistance. This has effectively blocked my ability to pay, while the company continues to characterize the account as unpaid due to my alleged inaction. 

I acted in good faith, agreed to a settlement to resolve this subprime loan, and made repeated documented attempts to submit payment. Credit Ninjas failure to provide a reasonable payment method while simultaneously asserting I failed to act is misleading, unfair, and obstructive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: TX

Complaint narrative:
I am writing to report an unauthorized inquiry that appears on my credit report. After carefully reviewing my credit file, I noticed an inquiry from a company with which I have never done business. I did not apply for credit, initiate contact, or provide consent for this company to access my credit information. This inquiry is fraudulent and lacks a permissible purpose. This unauthorized access to my credit report is deeply concerning, as I take my financial privacy and credit integrity very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. XXXX XXXX  has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681iXXXX XXXX XXXX  must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. XXXX XXXX  persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. XXXX XXXX  has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681iXXXX XXXX XXXX  must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. XXXX XXXX  persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a written collection notice from Monterey Financial Services, LLC attempting to collect an alleged debt on behalf of XXXX in the amount of {$8600.00}. 

The notice states that the alleged balance consists of an original amount of {$7000.00}, plus {$4.00} in interest and {$1500.00} in fees. These charges were not clearly disclosed or explained, and the balance appears to be inflated through undisclosed and potentially unlawful fees. 

The alleged debt is disputed due to deceptive and misleading practices at the time the account was created, including failure to provide clear disclosures regarding fees, interest, and total financial obligation. At no time was the true cost or cumulative amount properly explained. 

Upon receiving the collection notice, I timely disputed the debt in writing and requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested proof of legal obligation, an itemized accounting of the balance, and documentation showing the collectors authority to collect. 

Despite issuing a demand for payment, the collector failed to provide validation of the debt prior to attempting collection. Any continued attempt to collect or report this disputed debt without proper verification constitutes a violation of federal consumer protection law. 

I am requesting regulatory assistance to require the collector to cease collection activity, provide lawful validation, and prevent any inaccurate credit reporting related to this disputed account. 

I also sent a cease and desist. 
To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

You are hereby directed to cease and desist all communication with me regarding the alleged and disputed debt you claim to be collecting on behalf of XXXX. 

This includes, but is not limited to : Phone calls Emails Letters Payment demands Credit reporting activity You may only contact me for the limited purposes permitted by law, which are : 1. To confirm that you will comply with this cease and desist request, or 2. To provide full and lawful written validation of the alleged debt as previously requested Any communication outside of these limited purposes will be documented as a knowing and willful violation of federal law and may result in regulatory complaints and further action. 

This notice is effective immediately. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
The months of XX/XX/year> and XX/XX/year> were incorrectly marked as on administrative forbearance. I did not request an administrative forbearance until after I had already made my payment for XX/XX/year>. Both of these payments were not counted toward PSLF as a result of this error. I received billing statements for both of these months and made on time payments.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO

Complaint narrative:
I had applied for the second mortgage. I was assured that this was going to close on XXXX XXXX 2025 and at the XXXX hour the underwriters I guess decided not to go through with the loan supposedly something on my credit report from several years earlier that was taken out by my XXXX  husband, that I was not aware of that I had disputed. I was told they wanted me to dispute the dispute, which I did. Evidently, my husband had put my name on this loan. He had taken out that I was not aware of. Also, in question was my employment which was apparent from the very beginning of this loan, I have been a nurse for 38 years and I recently had changed jobs in XXXX but I had been at my previous job for five years. I am employed full-time. I had difficulty with communication with the person that was assisting me with the loan, I was not told initially a reason why they pulled the plug on this loan. This has put me in dire financial straits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15US Code 1666b XXXX XXXX creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless XXXX XXXX creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I had not received anything from XXXX XXXX in regard to this section title. They are reporting late fees on my credit report on XX/XX/XXXX-XX/XX/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 non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sapphire Marketing Group, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I received a written collection notice from XXXX XXXX XXXX, XXXX attempting to collect an alleged debt on behalf of Sapphire in the amount of {$8600.00}. 

The notice states that the alleged balance consists of an original amount of {$7000.00}, plus {$4.00} in interest and {$1500.00} in fees. These charges were not clearly disclosed or explained, and the balance appears to be inflated through undisclosed and potentially unlawful fees. 

The alleged debt is disputed due to deceptive and misleading practices at the time the account was created, including failure to provide clear disclosures regarding fees, interest, and total financial obligation. At no time was the true cost or cumulative amount properly explained. 

Upon receiving the collection notice, I timely disputed the debt in writing and requested full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested proof of legal obligation, an itemized accounting of the balance, and documentation showing the collectors authority to collect. 

Despite issuing a demand for payment, the collector failed to provide validation of the debt prior to attempting collection. Any continued attempt to collect or report this disputed debt without proper verification constitutes a violation of federal consumer protection law. 

I am requesting regulatory assistance to require the collector to cease collection activity, provide lawful validation, and prevent any inaccurate credit reporting related to this disputed account. 

I also sent a cease and desist. 
To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

You are hereby directed to cease and desist all communication with me regarding the alleged and disputed debt you claim to be collecting on behalf of Sapphire. 

This includes, but is not limited to : Phone calls Emails Letters Payment demands Credit reporting activity You may only contact me for the limited purposes permitted by law, which are : 1. To confirm that you will comply with this cease and desist request, or 2. To provide full and lawful written validation of the alleged debt as previously requested Any communication outside of these limited purposes will be documented as a knowing and willful violation of federal law and may result in regulatory complaints and further action. 

This notice is effective immediately. 

Sincerely, XXXX XXXX XXXX & XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TomoCredit Inc.
State: NY

Complaint narrative:
On XX/XX/year> I paid a membership fee of XXXX with tomocredit. With that they promised a few things including a {$1000.00} credit line. I will attach the details. However I noticed that I received NO communication in regards to the credit line. I realized that this company used deceptive practices just to have you pay for a membership which means i WONT be getting a credit line. False advertising and very shady. I've been sending emails since yesterday and NOONE has responded. Very unprofessional. So now im ready to cancel... however they make it IMPOSSIBLE to cancel. In order to cancel you have to schedule a cancel consultation call but NO TIMES FOR THREE MONTHS are available which means they are purposely making it hard to cancel which is a VERY shady and deceptive practice. I need them to cancel asap and not to ever charge me. I will also report this to my credit card company. 

Below is attached screenshot of the cancelation page and the dates that arent available. Also the page where they explain the false promise of the account i paid for.

Company response to consumer: Closed with explanation