vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all communication with me regarding this debt. You are instructed to stop contacting me by phone, email, text message, or any other means, except as permitted by law to notify me of specific actions, such as termination of collection efforts or any legal remedies you may intend to pursue. Please be advised that any further communication beyond what is legally allowed will be documented and may be reported to the appropriate authorities, including the Consumer Financial Protection Bureau and my State Attorney Generals office. This letter is not an acknowledgment of the debt, nor is it a refusal to pay. I am simply exercising my rights under federal law. Please confirm in writing that you have received this request and that you will comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the permanent deactivation of my Cash App account following an appeal ( Case # XXXX, filed XX/XX/year> ). Cash App informed me that my account was involved in activity that violated their XXXX XXXX XXXX, specifically referencing money laundering. I strongly dispute this characterization, as I have never knowingly engaged in any form of money laundering or prohibited financial activity. Any unusual activity on my account was the result of me being unknowingly involved in a scam. I was not aware at the time that the transactions were fraudulent in nature, and I did not knowingly participate in any wrongdoing. Once I became aware of the situation, I stopped any further activity. Despite explaining this in my appeal, Cash App denied my appeal and did not provide any specific details regarding the transactions or activity that led to their determination. Their response was generic and did not give me enough information to understand what occurred or how to prevent similar issues in the future. I do not currently have any funds remaining in the account, but I am concerned about the seriousness of the allegation and the lack of transparency in how this decision was made. I am requesting that Cash App provide a clear explanation of the specific activity that led to this determination, confirm that there are no further actions required on my end, and clarify whether this designation has been reported to any external agencies or impacts my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hi im texting because a few days ago i sold my XXXX XXXX that my dad gave to me as a gift for XXXX, and decided to put that money into my bank because i dont feel safe with that much cash, and as XXXX in the house getting ready to leave to a lounge i realize i lose my wallet which has my pin in it due to the fact ive forgotten my pin a couple times in the past, and comes to find out my XXXX was taken out. XXXX texting because I filed the dispute and after XXXX business days I were denied when none of these transactions were authorized by me!

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 2026-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
Hi I just reviewed the details of {$400.00} bonus offer. I am sure that I was eligible for the offer because both of us ignored the key info of offer details : there is XXXX funding period. I opened the account on XX/XX/XXXX ( around ). So if I had > {$25000.00} available balance before XX/XX/XXXX, I was eligible. I actually had {$25000.00} available balance on XX/XX/XXXX and had {$25000.00} available balance on XX/XX/XXXX or XXXX again which is before XX/XX/XXXX ( XXXX funding period ). The movement of funds between XX/XX/XXXX and XX/XX/XXXX or XXXX shouldn't affect my eligibility. Please re-evaluate the case and make fair decision. I hope we will have satisfactory resolution for both of us and move forward. Your help will be very much appreciated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for engaging in unlawful collection practices and credit reporting violations under the FDCPA and FCRA. After disputing the alleged debts and requesting validation under XXXX XXXX. XXXX, the companies failed to provide sufficient documentation proving I owe the debts, such as signed agreements, chain-of-title records, ownership proof, or a full account breakdown. Despite this, they continue collection efforts and may be reporting unverified information to credit bureaus. These actions potentially violate several provisions of federal law, including failures to validate debts, misleading representations, unfair practices, improper collection activity, and inaccurate credit reporting. Overall, their conduct suggests a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information, which may expose them to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TN

Complaint narrative:
I recently found Jefferson Capitol had list several collections on my credit report including XXXX collection for XXXX XXXX in the amount of {$620.00}. This information is false I am a current XXXX XXXX Customer with a {$0.00} balance owed on my account. Jefferson Capital has also listed XXXX accounts for an XXXX XXXX XXXX with XXXX different amounts listed for the same account which are not mine. XXXX for the amount of {$1300.00} and another for {$690.00}. They have also listed a collection for {$510.00} for an XXXX XXXX XXXX. Due to these inconsistencies and inaccurate information and them not being able to provide me with any sign contracts related to these debts or any other proof that these accounts belong to me, I have requested them to removed them. They replied back with a statement for each account which is not a sign contract nor is it sufficient evidence to validate these account under Fair Credit Reporting Act ( FCRA ). Jefferson Capitol has over XXXX complaints with the XXXX for not being able to validate complaints and not removing them from all XXXX credit bureaus. See attached : I am filing a complaint against Jefferson Capital Systems , LLC regarding multiple accounts they are reporting on my credit file that are inaccurate and not properly validated. I formally disputed these accounts and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). In response, Jefferson Capital provided only billing statements and summary documents. They failed to provide : Any signed contract or agreement bearing my signature Proof that I opened or authorized these accounts Complete chain of assignment showing they legally own the debts Any documentation verifying these accounts belong to me Providing billing statements alone does not meet the legal requirements for debt validation. XXXX of the accounts they are reporting is for XXXX XXXX in the amount of approximately {$620.00}. I am currently an active XXXX customer with a {$0.00} balance and no past-due accounts. This directly contradicts the debt they are reporting and strongly suggests inaccurate reporting, mixed file, or identity error. Despite my dispute, Jefferson Capital continues to report these accounts to the credit bureaus without proper validation, which may constitute violations of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I am requesting : Immediate deletion of all disputed accounts from my credit reports A full investigation into Jefferson Capitals reporting practices Confirmation that these accounts have been removed I have attached supporting documentation, including the response from Jefferson Capital and proof of my current XXXX account showing a {$0.00} balance. Jefferson Capital has failed to meet its legal obligations to validate these debts and should not be allowed to continue reporting inaccurate information. I request that this matter be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
A balance with XXXX XXXX XXXX was sold to Reel Time Capital a debt collection company. Over the last several days a rep who does not state his name has called and left several voicemails on mine and 2 family members voicemail. Their numbers must of been obtained from the internet. The males do not state their names or the company that they work for on these voicemails, but instead leaves a phone number to be reached at which is XXXX as well as XXXX XXXX. The voicemails are aggressive giving final warnings and threatening to locate me and sue. When I called this number on XX/XX/year>, the male rep stated that he was from the processing center that is collecting on a debt owed to XXXX XXXX XXXX. I have never received any written correspondence regarding this debt from Reel Time Captial either by mail or email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Law Office of Brett M. Borland, P.C.
State: MI

Complaint narrative:
I am submitting this complaint regarding a collection account originally from XXXX XXXX XXXX that is currently being handled by a law office. In [ Month/Year ], I attempted to resolve this debt by entering into a payment arrangement with the law office. I made efforts to begin paying toward the balance and acted in good faith to resolve the account. However, when I requested written documentation confirming my account details, including the current balance, payment arrangement, or payment activity, the company refused to provide any documentation unless the account is paid in full. I contacted the company multiple times, including speaking with a XXXX, and was repeatedly told that no documentation would be provided until the balance is fully paid. This has placed me in a difficult position, as I am being asked to make payments without any written confirmation of the agreement or account status. I specifically need this documentation for housing purposes to demonstrate that I am actively resolving the debt. Their refusal to provide any written verification is preventing me from securing housing. At this time, I have stopped making payments because I can not continue without proper documentation for my records. I am requesting that the company provide written confirmation of the debt, including the balance, and documentation of any payment arrangements or payment activity. I am also requesting that they communicate clearly and provide reasonable documentation moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
b"They said they reached out about a defult on the loan which was not true then had somone reach out aggresively today threatening a lawsuit. They also contacted my mother with the following message: New voicemail from XXXX XXXX (01:37):\n\nGood morning, XXXX. My name is XXXX XXXX and I was giving this number as a contact number for your daughter XXXX. Listen. Can you reach out to her? Please have her contact my office today. I have a client that retained my office last week. It's to represent them in regards to an installment loan. It was issued to her by exact lending in the amount of XXXX that she apparently defaulted on not making any payments to repay back the loan. I'm scheduled to move forward with it Friday morning to seek a Judicial remedy and prior to Bill and her my clients attorney fees in court costs which are almost as much as what she owes. I wanted to talk to her today to see if we can come to another Court settlement on the balance to get it resolved voluntarily. It's definitely in her best interest to do. So if possible if we have to move forward Friday morning with the forcible recovery, which basically means we'll seek a judgment for the dollar amount and then turning fees to execute a garnishment of wages to get it paid back if we have to move forward. She is going to Forfeit her right to voluntarily resolve to come Friday morning at XXXX XXXX. She will have to appear with Council back as soon as possible today. If this is something that she's interested in resolving on her own. Otherwise, you will have to appear. Now I can be reached on my personal and direct telephone number, which is area code XXXX. I need to speak with her at some point today before XXXX. Thank you."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
b'XXXX XXXX or the XXXX XXXX XXXX tax group deposited $XXXX into an account number through XXXX bank online prepaid debit card company. I did not receive any funds. They told me it was deposited into the wrong account and they cannot do anything about it. What are the procedures if the name was wrong? The email and phone number did not match the account but they deposited money in it anyway and they tell me that theyre not responsible and Im out of $XXXX. I gave him the track number that they asked for which is XXXX XXXX XXXX XXXX. They told me that number there will find the money they found it and said it was deposited into the wrong account and they not responsible who is OK. It was wrong account number but what happens next? What are the procedures for when information dont match?'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: MN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Novo Platform Inc.
State: NY

Complaint narrative:
Subject : Complaint Against, Novo financial institution Failure to Properly Handle Chargeback Dispute against, XXXX XXXX XXXX for XXXX XXXX service payment {$99.00} for service that was not recived. I am submitting this complaint regarding my banks mishandling of a chargeback dispute for services that were never delivered. I paid {$99.00} for professional social media management services. The merchant failed to provide the agreed services. The social media campaign was never properly launched, and the content and video provided were significantly delayed and of unacceptable quality. The services were not usable and did not meet the agreed terms. I filed a dispute with my bank in a timely manner and provided all requested documentation. Despite this, the bank has failed to properly resolve my claim. Specifically, the bank : Repeatedly requested the same documentation multiple times after I had already provided it Failed to conduct a reasonable and timely investigation Caused unnecessary delays in handling my dispute Did not provide a clear or sufficient explanation for the denial or lack of resolution This handling appears to fall below the standards required under federal consumer protection laws, including the Electronic Fund Transfer Act ( EFTA ), which requires a reasonable and timely investigation of disputes. I have made multiple attempts to resolve this issue directly with the bank, but the matter remains unresolved. I am requesting : A full refund of the disputed amount of {$99.00} A proper review of my case A clear written explanation of the banks decision This situation has caused unnecessary stress and wasted time due to the banks failure to properly handle my dispute. I respectfully request that the Consumer Financial Protection Bureau review this matter and require the bank to take appropriate corrective action. Sincerely, XXXX XXXX XXXX XXXX Designs Emails with the merchant Emails with the bank Proof of payment Additional information provided by consumer : XXXX The consumer want the complaint to be send to NOVO XXXX XXXX OR NOVO XXXX XXXX. She made a mistake in the spelling of the company 's name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed Due to financial hardship and Covid 19 I lost my job and fell on hard times they wanted to charge high interest and late fees and this is very unfair therefore Im trying to submit a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I received a bill from PayPal credit in the amount of {$5100.00} and I called and reported fraud. I told them that I never applied for credit, never filled out an application, nor did I call for credit. They said they would send the case to their fraud department and I received a letter stated they would get back to be in 60 days. I never heard anything more from them so I assumed the problem was taken care of. Saturday, XX/XX/XXXX I received a bill from PayPal credit for $ XXXX Monday I called and was told that they had made a decision that it was not fraud and that I owed the money. Again they said that they would send me a breakdown of the charges. That is where it stands now. Can you help me. Way back in XXXX of 2025 I reported a fraud charge and they took care of it. Someone got into their system and my information was taken.

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 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I got {$150.00} loan for money for you in XXXX Utah to pay my car payment and I got it all paid up but {$25.00} when they decided to go ahead and take me to court for the remaining {$25.00} when I got back to work I called them and I offered to pay the payoff and the loan they claimed was up at close to {$700.00} and so I told them no I have my loan was never even that big and so they garnished my check they have as of a week ago taken all almost {$800.00} and then have the nerve to call me which is against the law you can not tell me it's not against the the law and asked me for money once they started garnishing my check they had no right to call me so money for you need to be taken care of that's illegal and according to what I'm reading I am entitled to XXXX bucks from that company and my light my loan is should no longer exist

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: COMMERCE BANK
State: MO

Complaint narrative:
I am field reporting a fraudulent check draft number XXXX of Commerce Bank, XXXX, XXXX XXXX, Missouri was forged against my legal name of XXXX XXXX XXXX XXXX upon XX/XX/XXXX, for a XXXX cable bill payment of {$570.00}. A forgery of this debenture was controlled for suspect XXXX XXXX XXXX, alias name XXXX XXXX XXXX, so her current residence is located, at XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri XXXX. An arrest of this suspect XXXX XXXX XXXX, alias XXXX XXXX, so had occurred for XX/XX/XXXX inside her residence, at XXXX XXXX XXXX XXXX, XXXX XXXX, Missouri, and her husband was also arrested upon XX/XX/XXXX, at XXXX XXXX, for a warning about all related criminal charges unto Missouri Revised Statutes, Section 570.090. Forgery, Section 570.233. Robbery in the first degree, and Section 570.030. Stealing Offenses-penalties, Section 5. ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Tilt Finance, Inc.
State: TX

Complaint narrative:
Tilt formerly empower said i took out a loan with them however i have never taken out a loan i called them to investigate it multiple times but they have not called me back.

Company response to consumer: Closed with explanation