vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a formal complaint against Block, Inc. ( Cash App ) for wrongfully withholding a settled merchant refund of {$720.00}, failing to investigate bank settlement network data, and completely failing the internal dispute process. I have done everything possible to resolve this with Cash App directly. I filed an initial dispute, which was flat-out denied. I then filed a formal internal appeal with full documentation, which was also denied. Cash App support issued a 'final decision ' without a single human agent actually checking the bank trace codes. This situation has been a constant, exhausting headache. I have my senior prom coming up very soon, and I desperately need these funds which are rightfully mine. To ensure there was no mistake, I personally contacted XXXX customer support. XXXX conducted an internal trace and provided me with hardcore, undeniable evidence in an official merchant clearance letter confirming that the refund was processed completely and successfully on their end. The exact timeline of this transaction is clear XXXX XXXX XXXX XXXX XXXX The initial transaction was started with the merchant. XXXX XXXX XXXX : The merchant ( XXXX ) officially processed and started the refund credit back to my Cash App Visa Debit Card ending in XXXX for the exact amount of {$720.00}, issuing the official confirmation letter. XX/XX/scrub>XXXX XXXX XXXX : The refund was fully completed on the network side and was supposed to be posted to my spendable account balance. Cash Apps own internal transaction tracking software explicitly recognizes this, marking it as 'Early refund completed " on this date under XXXX XXXX Reference ID : XXXX. The standard processing window has completely passed, and the funds have failed to post to my spendable balance. The money is currently sitting in an unreconciled general clearing account on Cash App 's backend due to an internal system ledger error. Cash App is in possession of my {$720.00} and is refusing to release it. I am requesting an immediate manual credit of {$720.00} to resolve this billing error before my prom.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing a collection account being reported by Portfolio Recovery Associates on my credit report for {$180.00}. The original creditor is XXXX XXXX. I am requesting that Portfolio Recovery Associates provide complete debt validation documentation as required by applicable law. If they can not provide adequate proof that the debt is accurate and that they have the legal right to collect and report it, I request that the account be deleted from all consumer reporting agencies. I also request that any inaccurate, incomplete, or unverifiable information be corrected or removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/2026 around XXXX there were 3 separate ATM transactions that I did not authorize : two {$200.00} transactions and one {$40.00} transaction. Equaling up to a total of {$440.00}. I had just gotten paid that day from my job. My direct deposit was only about {$660.00}. So majority of my check was stripped from my account. I left work on that day, which was a Thursday, around XXXX. I was on the phone on my way home, and when I got home I realized I had received a text message asking if I authorized these payments. I replied NO. I was then sent another bank card and disputed the charges. I submitted documents that proved I was at work during the time of the transactions but my disputes were still denied. I also submitted a screenshot of the text message that was sent to me. I did not make these transactions nor did I give my card to anyone. I have appealed my denied disputes but my appeals have also been denied. I need this money back ASAP!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Interest Charge and Customer Service Experience I am submitting a formal complaint regarding a {$49.00} interest charge that remains on my account. I have been a loyal customer of Truist since its transition from XXXX XXXX XXXX many years ago. During that time, I have maintained my account responsibly, without requesting courtesy fee removals and without any history of late payments. Last month, after paying my credit card balance in full, I noticed that a {$49.00} interest charge had been assessed to my account. I immediately contacted Truist and requested that the charge be removed as a one-time courtesy. During that conversation, the representative informed me that I qualified for the adjustment and advised that it would be processed within 57 business days. After the charge was not removed within the stated timeframe, I contacted Truist again the following week. A second representative reviewed the matter and assured me that the charge would be removed, providing the same expected timeline. Today, after noticing that the charge still had not been removed, I contacted Truist for a third time. During this call, I was informed that I was not eligible for the courtesy adjustment ; however, no explanation was provided regarding why I had previously been told twice that the adjustment had been approved. I requested to speak with a manager, but the manager was also unable to resolve the issue or provide a satisfactory explanation. When I requested to escalate the matter further by speaking with the managers supervisor, the call was disconnected. This issue has now remained unresolved for over a month due to inconsistent information provided by Truist representatives and a lack of professionalism during my most recent interaction. My complaint is not only regarding the {$49.00} charge itself, but also the repeated assurances that the charge would be removed and the failure to follow through on those commitments. I respectfully request that Truist review this matter and remove the {$49.00} interest charge as a one-time courtesy. Additionally, I request a written explanation of the outcome of your investigation and a case number for this complaint. Thank you for your attention to this matter. I look forward to your prompt response and resolution. Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
CareCredit ( Synchrony Bank ) closed my account before the date they told me it would remain open. I received an email from CareCredit stating that I needed to use my card by XXXX XXXX XXXX to keep my account open. I planned to use it before that date. However, Synchrony Bank closed my account before XX/XX/XXXX, even though I was still within the timeframe they gave me. When I called customer service, they did not provide a valid explanation and only told me I could reapply, instead of addressing the fact that they closed the account earlier than the date they communicated in writing. This is misleading and unfair. It violates the written terms they provided to me. It may negatively impact my credit report. I was not given proper notice or the chance to keep the account open as instructed

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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am filing a complaint regarding an XXXX XXXX XXXX account that has repeatedly reappeared on my credit report after being deleted. In a prior dispute, the creditor agreed to delete the account, and the credit bureau removed it from my report. I have documentation showing the account was deleted. Despite this, the same alleged debt was later sold to Jefferson Capital Systems and has been reported again. I do not owe this debt. I paid my final balance when I left XXXX XXXX XXXX iXXXX XXXX, and the account has already been the subject of successful disputes resulting in deletion. I am requesting that this collection account be removed from my credit reports and that the reporting parties provide documentation supporting any continued reporting of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I had asked Caine and Weiner to provide documents for my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX with my signature since it is a third party collector, and yet I haven't received any documents with my signature. I had asked if they can provide documents with my signature if they can't provide that I demand to delete the account. Since the company couldn't provide documents with my signature I am going to proceed with legal action. I know my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Ability recovery services located has been calling me every day sometimes two or three times a day. They are reporting on my credit about a medical debt that occurred last year and I had insurance and they are claiming I didnt. I am not with the insurance anymore. I called and said I was calling to find out why they were calling me repeatedly and reporting on a debt that I shouldnt have. The woman got a harsh tone and told me that I didnt need to call with the attitude which aggravated me and I told her I didnt have one she said yes you do and I replied if she wanted an attitude I could show her one. I asked about the debt she told me who the original creditor was and asked if I wanted to take care of it I said no and they needed to stop calling me every day she said ok well when you are ready to pay the debt give us a call back and hung up abruptly.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am disputing a collection account being reported by LVNV Funding LLC in the amount of {$650.00}. The original creditor is XXXX XXXX XXXX. I am requesting that LVNV Funding LLC provide complete debt validation and documentation supporting its claim. If the company can not provide adequate proof that the debt is accurate and legally collectible, I request that the account be removed from all consumer reporting agencies and that any collection activity cease. I also request correction or deletion of any inaccurate, incomplete, or unverifiable information associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I applied for a Citibank Secured Credit Card and temporarily unfroze my credit reports for a week to allow the application to process. Citibank approved the application and successfully withdrew a {$1000.00} security deposit from my personal checking account. Shortly after taking my {$1000.00} deposit, my credit reports relocked into a freeze by design, and Citibanks automated system placed an internal fraud lock on my new credit profile. The company called my mobile phone from an automated number stating there was a fraud alert, but the call immediately disconnected before I could get a direct phone number. When I called Citibank customer service back ( XX/XX/year> XXXX ) and provided my application number, the frontline representatives completely stonewalled me. They stated that they are forbidden from verifying my identity over the phone because my mobile phone number is on a prepaid plan ( XXXX XXXX ) and my credit bureaus are frozen. Citibank customer service refused to send a secure identity verification link and refused to accept any form of manual verification ( such as uploading my driver 's license or a XXXX selfie ), despite already having control of my {$1000.00}. Instead, they stated I must wait weeks for a physical letter to arrive via snail mail to verify my identity. Citibank is currently holding {$1000.00} of my personal funds in limbo, refusing to let me access it, and refusing to provide a reasonable, real-time security path to prove my identity, effectively punishing me for using a prepaid phone carrier and protecting my credit with a standard security freeze.

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 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, a client from TD BANK i have a checking acc with them ending on # XXXX, they help me to recover my money but put a hold on my account and request to me to open a new one, right now that is impossible to me because i am going through a treatment for XXXX XXXX and i am not able to go to the branch, it is more easy for me if they unfreeze my account and made an stop payment to the item that hit my account, until i can go to the branch and open a new one because this is my only checking account, i tried to open it online but it was impossible for me, if this can not be made it, i can accept if they close my account but i prefer to keep it. Thank you for your attention XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding the improper administration of my FHA COVID-19 Recovery Modification and Partial Claim. This was presented to me without speaking to an agent or receiving all of the information as to what I was signing up for. This was predatory as they were very aware I owed a large amount after my Covid 19 forbearance was stopped. I accepted this loss mitigation option based on representations that it would provide a reduced monthly payment for a period of up to 36 months and allow me to retain my existing lower interest rate. At the time of the modification, my mortgage interest rate was 5.87 %. However, my servicer immediately increased my interest rate to 7.00 %, and within approximately one year my monthly payment increased substantially, even though I understood that the payment reduction was intended to remain in place for 36 months. Based on FHA guidance regarding the COVID-19 Recovery Modification and Payment Supplement option, borrowers may receive payment assistance for up to three years while retaining their original lower interest rate. This was not clearly disclosed or explained prior to the COVID-19 Recovery Modification and Payment Supplement. The actions taken by my servicer appear inconsistent with both the purpose of the program and the terms that were explained to me when I entered into the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My chime account was closed and I had about {$4800.00} in it. They say they send me out a check to an address I never lived at. I tried updating my address. they keep saying they gone email me. And never does and when they did send me a email at XXXX I was sleep so the link inspired before I could even wake up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/year>, I received an email from Affirm regarding a loan in the amount of {$3400.00} that I did not authorize. The loan was used to purchase an airline ticket through XXXX associated with XXXX XXXX XXXX. On XX/XX/year>, after discovering the loan, I immediately contacted Affirm and reported the transaction as unauthorized and potentially related to identity theft or account takeover. On XX/XX/year>, I filed an FTC Identity Theft Report regarding this matter. On XX/XX/year>, I sent Affirm supporting documentation and informed them that payment methods/cards had been added to the account that do not belong to me. I advised Affirm that those payment methods were unauthorized and should be considered evidence of account compromise and unauthorized activity. On XX/XX/year>, I submitted a signed fraud affidavit and additional supporting documentation to Affirm. On XX/XX/year>, Affirm informed me that it had completed its review and determined that I was responsible for the loan because the account was opened using my personal information and because the airline itinerary was issued in my name. I disagree with this determination. The fact that my personal information was used does not establish that I authorized the transaction. I specifically reported unauthorized payment methods on the account, but the responses I received did not address those payment methods or explain how they were determined to be authorized by me. The airline ticket associated with this disputed transaction has not yet been used, and the first payment on the loan is scheduled to become due on XX/XX/year>. As of today, the loan remains disputed. I maintain that I did not authorize this transaction and request an independent review of Affirm 's fraud investigation, including account access records, device information, IP logs, and payment method changes. I respectfully request that no negative credit reporting or collection activity occur while this identity theft dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccurate, incomplete, and unverified information being reported across my credit files by Equifax, Experian , and TransUnion. I dispute the reporting of multiple inaccurate addresses associated with my profile, including XXXX XXXX XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX, XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXXXXXX, GA XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, as these addresses are either incomplete, incorrectly formatted, or not fully associated with my accurate identifying information. I also dispute inaccurate personal identification data including the reporting of the name XXXX XXXX XXXX as it appears to be incorrect and/or inconsistently applied across my credit profiles. Additionally, I am disputing derogatory late closed account reporting that is being reflected with XXXX balances, including XXXX XXXX XXXX ( reported with 30-day late status and last activity dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX under varying account references ), and XXXX XXXX ( reported closed with alleged late status and last activity date of XX/XX/XXXX, including account reference XXXXXXXX XXXX XXXX ), as I believe these tradelines are either inaccurately reported, inconsistently duplicated, or not properly verified as required under the Fair Credit Reporting Act. I further dispute hard inquiries that I did not authorize or that I believe are inaccurately attributed to my file, including XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ). Finally, I dispute the accuracy and completeness of public record reporting, including XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ) and XXXX XXXX XXXX filed/reported XX/XX/XXXX ( Reference # XXXX, U.S. Bankruptcy Court ), to the extent that these items may be incomplete, improperly matched, or inaccurately maintained across reporting agencies. I request a full reinvestigation of all disputed items, verification from original furnishers, correction or deletion of any information that can not be fully verified, and synchronization of corrected data across all three credit bureaus.

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 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I applied for a loan and input my annual income. After the hard inquiries and hits to my credit report and I was approved, I connected my bank account and then the loan was denied. The reason gave was insufficient income to meet requirements. I contacted XXXX and informed them that I have my check going into multiple accounts for savings and such. I was informed then and only then that their system only verifies one bank account and all of my income needs to go into that one account for them to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am disputing a collection account being reported by PORTFOLIO RECOVERY A in the amount of {$2900.00}. The original creditor is XXXXXXXX XXXX I am requesting that Portfolio Recovery Associates provide complete debt validation documentation as required by applicable law. If they can not provide adequate proof that the debt is accurate and that they have the legal right to collect and report it, I request that the account be deleted from all consumer reporting agencies. I also request that any inaccurate, incomplete, or unverifiable information be corrected or removed.

Company response to consumer: Closed with explanation