vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I received an email from Square stating that my account balances were unavailable while they verified my account. On XX/XX/year>, I received confirmation that my linked bank account ( XXXX ) was successfully verified. However, on XX/XX/year>, I received a notice stating that due to unusual activity, I needed to verify my identity by XX/XX/year>. A follow-up reminder was sent on XX/XX/year>. Despite my account being verified since its creation, I missed the XX/XX/XXXX deadline, likely due to confusion caused by conflicting communications from Square. On XX/XX/year>, I was notified that my account had been closed because verification was not completed within the XXXX timeframe. On XX/XX/year>, I discovered that my account had been deactivated, preventing clients from booking appointments or making payments. I contacted Square multiple times that day via chat and phone : XXXX XXXX XXXX call, XXXX minute, difficulty reaching the correct department XXXX XXXX XXXX call, XXXX minutes, representative hung up XXXX XXXX XXXX call, XXXX minutes, told to wait for an email I also emailed Square requesting account reinstatement and a compliance review. They replied that the decision to deactivate my account was final, citing security concerns and obligations with card networks and financial institutions, and that my remaining funds would be held for XXXX days from the deactivation date, set to release on XX/XX/year>. On XX/XX/year>, I made XXXX additional calls totaling XXXX XXXX, again with no resolution. On XX/XX/year>, XXXX short calls were directed to an automated system. On XX/XX/year>, I made XXXX more calls, totaling about XXXX minutes, but was told the decision was final and no explanation could be provided. Throughout this process, I have verified my identity and provided all requested documentation. The funds being withheld were intended for business expenses and supplies. Squares inconsistent communications and refusal to provide a clear explanation have caused financial harm and confusion. I am requesting reinstatement of my account, a clear explanation for the deactivation, or expedited release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The late payments and charge-off accounts being reported on my consumer credit reports are factually inaccurate, materially misleading, incomplete, and unverifiable. Despite their legal obligation, the furnishers have failed to provide competent, original, and legally admissible documentation proving that these alleged delinquencies are accurate and valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
b'As we all know, we have a government shut down twice in the last six months, which has affected federal workers, especially XXXX XXXX As I am a XXXX XXXX myself for the last six months I have gone through almost 6 months without being fully paid properly as soon as we got out of one shut down we went right back into another shut down, making my bills pile up. I am literally choosing between food Cash rent or my car. I called my car loan company and asked them if they could help out. I explained to them this is the second time this has happened to me. I have notified them that I am a XXXX XXXX in the first government shut down so they already have it on file that I work for XXXX and now here it is the second time its happening in less than six months and they still dont have a way to offer any assistance to those affected by the government shut down, which is completely out of our controls. It is streaming unfair that not even your car loan company will work with you to help you not going to default or help you to prevent from losing your vehicle and have a repossession all because you are not able to get paid by the government. Those type of circuses are completely out of our control just like Covid was out of our control. With everything being so broadcasted and on the news, its not that these companies are not aware of the crisis that federal workers are in and the fact that no company right now feels that they should help out or they are willing to help out is absolutely insane. XXXX XXXX XXXX told me that there was nothing they could do because I had already pushed my payment back one time causing a deferment and as I say it to them yes I understand that but then we went right back into the same government shut down that we were in causing us to not get a job check and almost 2 1/2 months. To ask to have the payment halted or to have a extension or to even just have another deferment they refused. And its not as if we dont have the money to pay our bills we literally are not getting paid. I asked for in writing I asked for messages. I even wrote online. Nothing can be done according to them in their policy I feel that is completely unacceptable because this was a crisis that was out of federal workers control.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
LVNV Funding LLC from XX/XX/XXXX until XX/XX/XXXX I submitted a cease and desist communication letter via a phone conversation after LVNV Funding LLC never responded to my verification of debt letter XX/XX/XXXX via USPS Certified postal mail. Since then I have been contacted by Resurgent Capital Services a subsidiary of LVNV Funding LLC numerous times after verbally on audio tape demanding a cease and desist due to LVNV not responding in writing to my validation of debt request within the 30 day time frame upon receiving in which I have a signed receipt from LVNV Funding from the USPS certified mail I sent. Due to their lack of communication providing me with the certification of all Debts they purchased from the original lenders and by not abiding by my cease and desist request, they are in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am disputing an inaccurate balance being reported and collected by Transworld Systems Inc. My original debt was approximately {$6100.00} from a XXXX XXXX credit account. Beginning in XX/XX/year>, I have had wage garnishments totaling approximately {$3800.00}. In addition, my federal tax refund in the amount of {$4600.00} was offset and applied toward this debt. Despite these payments totaling approximately {$8500.00}, the account currently reflects a remaining balance of {$5500.00}. The payment history shown by the company only includes partial payments starting in XX/XX/year> and does not reflect earlier garnishments or the federal tax offset. This indicates that significant payments have not been properly applied to the account. I have already attempted to resolve this issue directly with the company and requested a full account ledger and payment history, but I have not received a complete or accurate breakdown. I am requesting a full investigation and resolution, including : * Complete transaction history * All wage garnishments since XX/XX/year> * Confirmation and application of the federal tax refund offset * Identification of any unapplied or pending funds * Correction of the account balance The current balance is inaccurate and does not reflect the payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Attempt to Collect Wrong Amount : There is an unexplained {$50.00} discrepancy between the amount TSI is demanding ( {$470.00} ) and the original invoice they provided as " proof '' of the debt ( {$420.00} ). Collection of Invalidated Debt : TSI is pursuing a debt that has already been investigated and officially invalidated by the primary financial institution involved ( XXXXXXXX XXXX XXXX Written Admission of Sales Misrepresentation : XXXX XXXX XXXX XXXX XXXX explicitly admitted in writing that : the cancellation clause is not at all what the sales rep told you. This admission confirms that the contract was signed based on fraudulent misrepresentation by XXXX agent " XXXX '' on XX/XX/XXXX, who stated there were " no cancellation fees '' and I could " cancel when you wish ''. Under contract law, an agreement obtained through misrepresentation of material terms is voidable and legally unenforceable. On XX/XX/XXXX, a service agreement was initiated with XXXX for pest control. Due to a fundamental misdiagnosis of the infestation and subsequent failure to deliver the promised service, a formal dispute was filed through the credit card issuer, XXXX XXXX ( Case ID : XXXX ). On XX/XX/XXXX, XXXX XXXX issued a final ruling in my favor, adjudicating that the service was not rendered as promised and making the credit to the account permanent. The financial institution 's investigation concluded that no payment was owed to the merchant.Despite this final adjudication, Transworld Systems Inc. ( TSI ) sent a collection notice dated XX/XX/XXXX, attempting to collect an alleged debt of {$470.00}. I responded with a formal request for debt validation. In their response, TSI provided a " XXXX XXXX '' invoice dated XX/XX/XXXX, which lists a total amount of only {$420.00}.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company 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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my identity was stolen and fraudulent accounts were made in my name while serving my country. I contacted the credit bureaus, the accounts were reported on my credit profile using inaccurate and unauthorized address information. These accounts have been disputed before with the creditors but I received no validation of debt or chain of titles. I then filed a report with the XXXX postal inspection service for mail fraud. ( XXXX ref # XXXX regarding mail fraud and misuse of address data. the company stated they could not send me any verification of debt which violates the fdcpa and the fcra federal laws. I am asserting identity theft and identity misattribution under federal law. I have also filed an ftc report for identity theft with ref # XXXX these accounts must be XXXX out and blocked from credit bureaus upon investigations is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
am filing a complaint regarding my auto loan GAP claim and loan balance. My vehicle was declared a total loss, and my insurance company issued a payment of {$18000.00}. Additional refunds were applied to my account, including {$490.00} and {$640.00}. After these payments, I was left with a remaining loan balance of {$1400.00}. I was informed that a {$1000.00} adjustment was added to my balance, but I have not received a clear explanation of what this charge represents. I have no late or missed payments on my account. Despite this, my GAP claim was processed with a {$0.00} payment. I am requesting a detailed breakdown of the {$1000.00} adjustment and a review of my GAP claim determination, as I believe this remaining balance may include charges that should be covered or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Cleaned the apartment at move out. The landlord asked for a 'professional '' receipt. I provided a hand-written receipt from a private cleaner who cleans their common areas. The landlord claims it ( receipt not the quality of the cleaning ) to be not professional. After paying the cleaner {$120.00}, I agreed to pay an additional {$160.00} to the landlord to close the issue ; landlord still insisted amount close to {$500.00} for cleaning. I told them I consider it unreasonable and inaccurate. The landlord sent their invoice to collection. The collection asked for {$570.00}, an inaccurate amount, which is about twice of what they reported to the credit bureaus as derogatory claim amount. I have attached back up documents. There are several reviews for this landlord ( XXXXXXXX XXXX XXXXXXXX, WA ) regarding the cleaning charges at the moveout.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am filing a complaint against Concora Credit regarding my Indigo Mastercard account. I believe the terms and structure of this account are predatory. I have a credit limit of approximately {$500.00} and am required to make minimum payments of {$40.00} per month. However, I am being charged approximately {$14.00} in interest each billing cycle, and a significant portion of my payment is applied toward interest rather than reducing the principal balance. As a result, instead of paying off a {$500.00} balance, I would be required to pay approximately {$580.00} due to interest charges. This makes it difficult to make meaningful progress on the account, even when making payments. Based on my income, this structure creates a financial burden and contributes to a cycle of debt. I pay approximately {$2000.00} per month in living expenses, and the current terms make it difficult to manage this account responsibly. I do not believe the full impact of the interest rate and total repayment amount were clearly explained at the time the account was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My auto loan with Ally Financial was recently Paid in Full ( I paid a total payoff of {$21000.00} on a {$20000.00} principal ). However, Ally is currently holding an illegal credit balance of over {$1000.00} due to unearned Forced-Placed Insurance / Collateral Protection Insurance ( CPI ) premiums that they refuse to refund. When I purchased the vehicle, my original sales contract clearly showed " N/A '' for dealer-provided insurance, and I was not notified that Ally had force-placed CPI on my account. I acknowledge there was a brief gap in my personal coverage from the date of purchase until XX/XX/XXXX. Ally is legally entitled to the prorated CPI premiums for those specific uninsured days. However, I secured my own continuous auto insurance starting on XX/XX/XXXX. Because I was never informed of the CPI placement, I did not initially realize I needed to send Ally my proof of insurance. I have since provided Ally with my official Declarations Page proving continuous coverage from XX/XX/XXXX onward. By law, Ally can not charge me for force-placed insurance for the period where I maintained my own coverage and must retroactively cancel the unearned premiums. On Friday, XX/XX/XXXX, I submitted a formal Notice of Error and a demand for my prorated refund via Ally 's secure portal. Under the Truth in Lending Act ( 12 CFR 1026.21 ), they have exactly seven business days to refund a credit balance. Immediately after I submitted this, Ally disabled my online auto portal access. The auto loan account vanished, and their phone system ( XXXX ) refuses to route me to Executive Resolutions. They are actively obstructing my access to my records and illegally withholding my cash refund for the unearned premiums following XX/XX/XXXX. Please note : Because Ally disabled my auto loan portal access, I am now entirely locked out of my own account history. I can no longer retrieve copies of the internal messages, dispute records, or documentation I submitted through their system. Furthermore, Ally does not provide a public-facing customer service email address. Because their phone tree refuses to route me to the correct department and I can not email them, I have absolutely no way to access my records or communicate with them in writing to resolve this issue outside of this federal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I wired {$47000.00}. from My Golden 1 credit union checking account to a supplier in XXXX. The XXXX XXXX decided that it was a fraudulent transaction. This was after I told the customer representative, in person, that we had done successful business with this person before. I believe the wire was done on XXXX. The XXXX XXXX initially told me they had clawed my money back. Now Im being told it is still at my suppliers bank. XXXX XXXX in XXXX. The account holder there has told me they never received money was returned to the XXXX XXXX over a week ago. He provided me with a trace number ( terminology? ) That the XXXX XXXX says is no good. They are telling me now that they have 90 days to review this situation and they do not have the money. My end recipient did not get the money and is struggling with his bank because they closed his account against his wishes, as the XXXX XXXX did to me also. In addition to not having my money, I am now not going to receive my direct deposit from my pension. ( XXXX ) I need help. I need my money! Please help me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal authority to collect this debt 6. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies. If you are unable to provide proper verification, please remove this account from my credit files and confirm the removal in writing. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Chime closed my account there try to keep my XXXX SSA check I owe them XXXX they owe me the difference of XXXX there try too keep that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I applied for and was approved for a Capital One Savor credit card on or around XX/XX/2025. At the time of application, I was presented with a promotional offer stating that I would receive a {$200.00} bonus after spending {$500.00} within the first 90 days. Based on this offer, I made purchasing decisions specifically to meet the {$500.00} spending requirement within the required timeframe. I successfully met this requirement within the 90-day period. However, when I contacted Capital One to inquire about the bonus, I was informed that I was not eligible for the promotion and that the offer did not apply to my account. This was never clearly disclosed to me during the application process. I find this to be misleading and unfair. I relied on the advertised promotional offer when deciding to apply for the card and when making purchases. If I was approved for a version of the card that did not include the bonus, this distinction was not made clear at the time of application. I am requesting that Capital One : Honor the {$200.00} promotional bonus, or Provide clear documentation showing that this offer was not attached to my account at the time of approval If such documentation can not be provided, I believe this constitutes deceptive marketing practices. I would like this matter reviewed and resolved fairly. I made financial decisions specifically to meet this requirement under the reasonable belief that I would receive the advertised bonus. Denying the bonus after the fact is both misleading and detrimental to consumers.

Company response to consumer: Closed with explanation