vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit file. I have disputed the account listed below with the reporting company/collection agency ; however, they have failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Account Name : XXXX Account Number:XXXX Despite my request, the company has not provided : - A signed contract or agreement bearing my signature - Complete account history showing how the balance was calculated - Proof they are legally authorized to collect this debt - Proper documentation verifying the accuracy of the account Under the FCRA, all information reported must be accurate and verifiable. Reporting an account without sufficient validation is a violation of federal law. Because the company can not properly validate this account, I am requesting : 1. Immediate deletion of this account from all credit reporting agencies 2. Written confirmation that this account has been removed 3. An investigation into the companys reporting practices If this account is the result of identity theft, I am requesting it be blocked from my credit file under FCRA Section 605B. I expect this matter to be resolved promptly. If not, I am prepared to escalate this issue further. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Consumer Financial Protection Bureau Complaint * * * * Company : Cash App ( Block, Inc. ) AND XXXX XXXX XXXX XXXX XXXX Issue : Improper Denial of Fraud / Non-Delivery Dispute * * To Whom It May Concern, I am filing a formal complaint against Cash App ( Block, Inc. ) regarding their improper denial of my dispute involving a fraudulent transaction and failure to provide adequate consumer protection. * * Transaction Details : * * * Date of transaction : XX/XX/year> * Amount : {$140.00} * Merchant : XXXX XXXX XXXX Transaction : XXXX XXXX XXXX XXXX Summary of Issue : * * On XX/XX/year>, I made a purchase from an online merchant that I later determined to be fraudulent. After completing the transaction, I did not receive the product and it is now XX/XX/year>. I made multiple good-faith attempts to resolve the issue directly with the merchant, but the merchant failed to deliver the item or provide any legitimate updates. Once it became clear that the merchant was not legitimate, I filed a dispute with Cash App. * * Cash Apps Response and Deficiency : * * Cash App denied my claim based solely on the merchant providing a shipping label. However, this decision ignores critical and verifiable evidence : * The tracking information shows the package has * * never been received by the carrier * * * The status remains awaiting package drop-off to this day * No shipment was ever made, and no delivery occurred A created shipping label is not proof of shipment, fulfillment, or delivery. Cash App failed to conduct a reasonable investigation and instead relied on incomplete and misleading documentation. * * Why This Is a Failure of Consumer Protection : * * Cash Apps decision demonstrates : * Failure to properly evaluate evidence * Reliance on insufficient proof from a known or suspected fraudulent merchant * Failure to protect users from clear cases of non-delivery and fraud As a financial service provider, Cash App has an obligation to conduct a fair and thorough investigation of disputes. In this case, they did not meet that standard. * * Cash App keeps replying to this claim as they handled it but they did not. The order still hasnt been received nor my money. This COMPANY CONTINUE TO FAILS TO RESOLVE THE ISSUE. I have attached picture PROOF that the order is n processing even after XXXX XXXX informed Cash App it shipped. It has NOT shipped. I need my money and Cash App to deal with the repercussions of practicing bad business. I do NOT have the package but Cash App stole my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
Service Mac LLC, I paid off a loan and I was requesting a refund of my escrow account. According to the company they allow upto 20 days from close of escrow to get that money to you. My escrow closed the XX/XX/XXXX, and I gave them 20 days and no ck in the mail box. I called today, XX/XX/XXXX, looking to see when the ck when out maybe it was lost in the mail. Customer service said the ck was mailed out XX/XX/XXXX, and I should give it a few more days to get to me. She also put me on hold to ask escrow if they can wire it to me, escrow said no. Then customer sevice said give it another 4 days. This tells me they have not mailed it yet. I live in California and I have mailed across country many times and at most it takes 4 days. My point is it should not take 30days to get a refund. I believe this company has no intigrity.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one has yet to provide any dispute documents. I am able to provide not only a transcript of the conversation I can provide the recording where they stated they would provide it. When requesting via email they have still yet to provide it along with lying claiming they cant tell for one dispute what goes with what and lying claiming its bulk documents when it isnt. The phone recordings can be provided for every conversation with them as they most likely wont provide it to the CFPB or any regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: GA

Complaint narrative:
I have been using Cash App for some of my day to day purchases for a while with no issue. I recently made a few purchases on XXXX. One of which was a bottle of perfume. The perfume arrived damaged, the spray nozzle was missing and the perfume was leaking. I immediately reached out to XXXX for assistance. I was told that I would be refunded and that there was no need to return the perfume. I have since learned that perfume is considered a hazardous material because it is flammable so it can not be shipped if it is leaking, which is why I was told that there was no need to return the perfume. I noticed maybe a week later that I never received the refund so I reached back out to XXXX to find out if there was an issue. XXXX told me that my bank declined the refund. I pushed for more information and was told that XXXX will not send the refund due to my return activity. I was very confused because I have not ever had an issue with XXXX. I don't purchase much from XXXX and I have not ever had an issue with excessive or fraudulent returns. I searched XXXX and found that this same thing has happened to many other people and may have something to do with the address associated with the order. I decided to dispute the charge with cash app because I am rightfully owed a refund and I assumed that the institution I trust with my money would have my back. However, my dispute was denied in literally 1 day. That is not enough time to conduct a thorough or fair investigation. I filed an appeal and again was denied several days later. I don't believe that Cash App is actually investigating disputes and instead just denying disputes with no investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NH

Complaint narrative:
I am submitting a complaint regarding a loan issued through Affirm for a travel purchase made via XXXX. This purchase was made as a bundled transaction that included both airfare and a rental car. The bundle was presented as a single purchase, and it was not clearly disclosed at checkout that the rental car component would be subject to a separate non-refundable policy independent of the flight. I canceled the trip in full under the reasonable assumption that the bundle functioned as one transaction. The rental car was never picked up, used, or received. Since then, I have attempted to resolve this issue directly with XXXX. XXXX has directed me to the rental car company, while the rental car company has stated that XXXX controls the booking. This has resulted in an unresolved loop where neither party will take responsibility. I disputed the charge with Affirm multiple times. Despite providing context, Affirm denied the dispute, stating insufficient documentation, without addressing the core issue of unclear disclosure and the fact that no service was rendered. Additionally, I am concerned about Affirms handling of the account status during the dispute process. While the dispute was under review, I was unable to make payments on the account. However, immediately after the dispute was denied, the account was marked as past due and I was warned about potential collection activity. This creates an unfair situation where the account becomes delinquent during an active, unresolved dispute. This matter is not simply a disagreement over merchant policy. It involves : Billing for services not rendered Lack of clear disclosure of material terms in a bundled purchase Failure to provide a reasonable resolution path between the merchant and service provider Potentially unfair credit reporting or collection practices during an active dispute Requested Resolution : Removal of the charge for the unused rental car Correction of any past due status or negative reporting associated with this dispute Confirmation that no collection activity will occur related to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/year>, I submitted an online payment of {$50.00} to my Synchrony Home account ( Exhibit A ). At that time, the account was three ( 3 ) days past due, and the minimum payment due was {$50.00}, which I paid in full ( Exhibits B and C ). Synchronys system issued a payment confirmation number, thereby acknowledging receipt and acceptance of the payment. On XX/XX/year>, I received my billing statement and discovered that Synchrony had unilaterally increased the minimum payment to {$80.00} and assessed a {$30.00} late fee. The statement further alleges that my XX/XX/XXXX payment was made after the expiration of the grace period. This assertion is false, unsupported by the payment record, and constitutes a material misrepresentation of my account status. At no point did Synchrony provide any noticeelectronic or mailedindicating that the grace period had expired or that any additional amount was required to avoid penalty. The absence of such notice violates basic standards of fair billing, reasonable consumer expectation, and Synchronys own duty to provide accurate and timely account information. The {$30.00} late fee is therefore improper, unjustified, and must be removed immediately. I am formally disputing this charge.

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 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I am filing a complaint against Columbia Debt Recovery XXXX, dba Genesis, regarding their collection practices on an alleged debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ). I received a written notice stating I have until XX/XX/year> to dispute the debt. However, I was contacted by phone and told that I must make a payment by Friday or the account would be reported to credit bureaus. This contradicts the written notice and appears to be a misleading and high-pressure tactic. Additionally, the company contacted my father and claimed that I listed him as a reference, which is not true. They discussed the matter in a way that caused concern and distress. I did not authorize them to contact him, and I believe this violates my rights regarding third-party communication. I believe these actions may violate the Fair Debt Collection Practices Act, including the use of misleading representations and improper third-party contact. I am requesting that the company : Cease all improper communication practices Stop contacting third parties regarding my alleged debt Provide proper validation of the alleged debt in writing I am currently disputing this debt and request that all communication moving forward be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MO

Complaint narrative:
I am filing a complaint regarding MOHELAs failure to properly apply student loan payoff funds that have already been confirmed as delivered. I refinanced my student loans through XXXX, and XXXX has provided formal payment trace documentation confirming that payoff funds were successfully sent and delivered via ACH on XX/XX/year> to MOHELA for multiple loans. One of the payments totaling {$56000.00} were applied to my MOHELA account, however the other three were not. These total {$53000.00}, {$51000.00}, and {$78000.00}. The total amount that was sent to MOHELA and confirmed delivered by XXXX is {$180000.00} Despite this confirmation, MOHELA has failed to apply the funds to my account. It has now been over 45 business days since the payments were issued, and my account continues to show outstanding balances that should have been paid off. I have contacted MOHELA multiple times and previously requested a payment investigation. However : The funds have not been applied The issue remains unresolved No clear explanation has been provided This is causing me financial harm because the outstanding balance with MOHELA is actively accruing interest unnecessarily, costing me thousands of dollars.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft I request these items to be deleted from my credit report because it a violation of the 15USC 1681e ( B ) according with 165 USC 1681i ( 5 ) these items was done fraudulently and also the inquires in the documents uploading

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint against SoFi regarding a denied fraud claim involving {$1700.00} in unauthorized transactions on my account dated XX/XX/year>. On XX/XX/XXXX, I received a phone call from an individual impersonating SoFi. The caller falsely claimed that there was fraudulent activity on my account ( approximately {$980.00} ). During this call, I was manipulated into providing a one-time verification code and account information under the belief that I was speaking with SoFis fraud department. Shortly after, unauthorized transactions totaling {$1700.00} occurred on my account. This was not an authorized transaction. I was the victim of a social engineering scam and account takeover. I did not knowingly approve or intend these transactions. XXXXoFi denied my claim, stating that their investigation found no error, and closed the case. However, their decision fails to account for the fact that I was deceived by a third party impersonating their institution and coerced into providing access. I am requesting : 1. A full reconsideration of my claim as fraud/unauthorized account access 2. Reimbursement of the {$1700.00} 3. All documentation used in their investigation, including login records, IP addresses, and device information 4. Clarification of why this was not treated as an account takeover or fraud case I believe SoFi has not adequately protected my account or properly evaluated this situation as fraud. I am seeking a fair resolution and reimbursement of the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
This account was settled in full. I recorded the phone call with them on the day that I settled it.And today, when they admitted that I had indeed settled this account. The problem is that I disputed the account with the credit bureaus and they validated the account is good even though the account was settled. I want the account deleted from my credit bureaus.. It's also important for them to knowI recorded the call the day I called and paid it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A company called XXXX XXXX had multiple charges on my account. Since XXXX of last year. It was a continuing pattern of fraud. Truist did not catch it and I called them yesterday to file a dispute. During the process they could not confirm that they would be able or willing to refund the charges in question.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
My Apple Card account ( Goldman Sachs Bank USA XXXX is closed and currently reflects a positive credit balance of {$640.00}. This balance resulted from credits issued after I disputed unauthorized charges during a documented hospitalization ( XX/XX/XXXX XX/XX/XXXX ), when I did not have access to my device. On XX/XX/XXXX, I submitted a formal written request for refund of the credit balance under Regulation Z 1026.11 ( a ) ( 2 ), which requires a creditor to refund a credit balance within 7 business days of such request. Goldman Sachs has refused to issue the refund, stating that active disputes must first be completed, which they indicate may take up to 90 days. Regulation Z does not provide an exception allowing a creditor to delay refunding a credit balance on a closed account due to an ongoing billing error investigation under 1026.13. I requested written confirmation of the legal or policy basis for withholding the refund, but none was provided. I am requesting that Goldman Sachs comply with Regulation Z and promptly refund the {$640.00} credit balance.

Company response to consumer: Closed with explanation