vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/ XXXX XXXX XXXX XXXX  - my Cash App push notifications went off waking me up to XXXX simultaneous purchases being made from XXXX while I was asleep. At the exact same time! 
XXXX charges - {$150.00} {$75.00} {$75.00} {$75.00} {$75.00} They attempted a XXXX charge but I had run out of money. 

I immediately contacted Cash app not to authorize those charges and they said I would just have to dispute the charges. And that it could take up to 45 days. 

I begged them to not authorize but they did it anyway. 

I have appealed XXXX x now and they keep telling m that my dispute has been denied- even to XXXX XXXX of telling me they determined that I gave someone permission to use my card!!! 

I have messaged them repeatedly, I have called repeatedly- I have begged them to please give me my money back. 

The purchases were made through my XXXX account. Someone hacked it. They changed my emails to XXXX and made all purchases in XXXX. They changed my shipping address to a location in XXXX, Florida. 

My husband looked up the address and it is actually a business address for a company that ships goods to XXXX - we have photos of the business website their address and their pinpoint location via XXXX XXXX I have submitted all of this to CaSh app and they continue to deny my claim to give me my money back- I contacted XXXX and they said XXXX XXXX has to issue a charge back to them- but so far - I have been unable to speak to any XXXX in charge - they just give you the run around over and over - I want to add that my card was locked. It was in my possession in my home in XXXX, Tennessee. 

I had made a purchase witb XXXX the beginning of XXXX and used cash app pay to pay- apparently XXXX stored that and that is how they made the purchases- because cash app pay is a direct line to your account and apparently Bi- passes app security meaausure - as again- my card was locked and my card mumber was not saved to XXXX because I do not save my cards online ever - So XXXX and Cash app are both responsible for not securing their websites against hackers - I just need my money back! 
I did not give some shipping conglomerate- in XXXX Florida permission to steal from me Please help because Cash App will Not! 

I have been using cash app as my main bank for several years - my direct deposit from my job was going there but I changed it out of fear of being stolen from again - consumers money is not safe with them and their customer service is abhorrent. They just give your the run around and stone wall you and re-victimize you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX i called Home Depot to make a payment over the phone it said the payment was completed for XXXX  months now they said they never received ir then they told me it was sent to a different account then they said the payment was rejected i told them that they took XXXX out of my XXXX  account i told them i verified it with my bank that the money was taken out so i sent them a copy of my bank statement by fax and a few time by mail they said they received the statement in the mail still nothing has been done they still have not credited my account for the XXXX it should not take XXXX  months to find out where my money is at.

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 2025-12-30 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received an email from Wells Fargo requesting more information to approve a credit card application. 
I did not apply for a credit card from Wells Fargo.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I have had an excessive number of fraudulent issues on cashapp that support rejects dispite indisputable evidence and police and fbi fraud reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Rushmore Servicing has initiated foreclosure activity on my account but failed to provide the legally required 'Notice of Right to Cure ' to my current mailing address. 

Rushmore knowingly mailed sensitive legal notices, including the Right to Cure default notice, to the vacant collateral address ( a rental property in XXXXXXXX XXXX  ) rather than my registered billing address in XXXXXXXX XXXX Rushmore has my correct billing address on file and sends monthly statements there, yet failed to use it for this critical legal notice. 

This failure to provide proper notice has deprived me of my contractual right to cure the default within the statutory timeline. Furthermore, I have submitted a complete Mortgage Assistance Application which is currently pending review. Initiating or continuing foreclosure activity while this application is pending constitutes 'Dual Tracking, ' a violation of Regulation X. 

I am requesting an immediate halt to all foreclosure activity due to defective service and improper notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Package shows delivered but I did not receive it. The tracking number is ship from XXXXXXXX XXXX XXXX XXXX XXXX so they can change the tracking number to usps so they can deliver. But I have never received receive the package and try to get hold of the seller but he did not reply. 

Dispute case ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: NJ

Complaint narrative:
XX/XX/XXXX, my husband and I received notification via mail that our mortgage escrow had a shortage of funds of {$11000.00}, it increased the mortgage from XXXX to XXXX. After calling the mortgage company Village Capital for an explanation on how the escrow could have a shortage of funds in such a great amount of money. It was explained on a recorded line that there should have been a review of the account but hadn't occurred since approximately XXXX. We eventually had to go on a XXXX payment plan that reduced the mortgage to XXXX. 
Now we received another escrow shortage analysis for XX/XX/XXXX with a difference in escrow in the amount of {$12000.00} which changed the projected mortgage by {$930.00}. Basically, increasing the mortgage payments from XXXX to XXXX Now were left dealing with the repercussions of someone not properly managing the account. Prior to me filing a complaint, I emailed Village Capital and Investments on XX/XX/XXXX for an explanation on their policy and procedure on notifying clients on escrow shortages and no one from the company contacted us. I would like to know if this is the proper policy and procedure to review an account every XXXX  years? Why wouldn't anyone review the account prior to XXXX to verify the escrow shortages. Why would we be notified twice regarding a mortgage escrow which increased the mortgage in such a short amount of time. Is this normal business practice? We need an explanation, which Village Capital and Investments is not providing. This can cause anyone financial hardship, since the mortgage payments will increase every month. Village Capital is incompetence ; their lack of judgement could place any individual with the risk of losing their homes based on their misjudgment and lack of updating the escrow shortage accounts properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
BNPL / Pay in 4 + refund/billing dispute I completed a Pay in 4 purchase through PayPal. Before the merchandise was even shipped I told the seller to cancel my order. Seller refused and shipped it anyway. I initiated a return and shipped the item back to the seller using an international XXXX return shipment. 

The return was properly shipped and accepted by XXXX. XXXX has confirmed that the returned package is currently being held in a XXXX warehouse because the seller ( recipient ) has not contacted XXXX to accept or process the return shipment. XXXX advised that the return can not be completed without action from the seller. 

The seller has admitted in writing that they have not received the returned package and further stated that they will not accept the return due to customs duty that would apply upon import into their country. This constitutes an explicit refusal by the seller to accept the returned merchandise. 

Despite this carrier confirmation and the sellers written refusal to accept the return, PayPal denied my dispute and subsequent appeal.

As a result of PayPals decision, I no longer have the merchandise and have not received a refund. PayPals handling of this Pay in 4 transaction allows the seller to retain payment while refusing delivery and refusing to issue a refund, resulting in unjust enrichment and lack of meaningful buyer protection for a regulated credit product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX I was assaulted by my ex fianc and took everything my phone my wallet and I was hurt real bad I had just now able to get back on my feel so I can get everything together I contact Cash App but they wasnt no help at all they keep declining everything Cash App agents always use discrimination towards because I sound like a woman I am XXXX  and my Birth name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Paypal Holdings, Inc
State: GA

Complaint narrative:
I got an email from PayPal weeks ago that my PayPal account was temporarily restricted and they asked me for evidence which I provided to restore my account. I later got an email today that my account had been permanently restricted with no reason or appeals process. I use my PayPal account to make purchases online and in stores. I am also a legal product tester and sometimes receive payment for testing good as a service. There have been no fraudulent transactions on my account or charge backs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
RENTRECOVERYSOLUTIONSXXXX falsely reporting on my credit. I have never had any accounts with them. Per my research RENTRECOVERYSOLUTIONSXXXX 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 response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX, Sunday afternoon I received a text alert from Bank of America telling me I had suspicious action on my debit card. I recognized it as fraud and blocked my debit card immediately. The next morning looking to call Bank of America, they called me XXXX. While I was busy at work I received this phone call, they knew about my fraud and told me something unusual was happening. They explained money was still being taken from my accounts. This call was the scammers pretending to be the Bank of America bankers. They spoke with the same language and demeanor as real bankers. Between clients at my work they called me telling me more big transactions were being made and I had to act quick. Scammers were urgently trying to stop the supposed scammers. On the calls I was asked for codes being texted to my phone and had an unmarked vehicle come pick up my credit card to further investigate the chip. XX/XX/XXXX I called the number back several times to check on what had happened and the calls dropped. I began to freak out, went straight to Bank of America in person and spent the next XXXX hours with a real banker investigating what had really happened. We discovered together that I was severely scammed and who I thought was the Bank of America Bankers trying to help me was actually a scammer. They had gone into my account and transferred {$830.00} from my debit to my credit then went to XXXX store # XXXX XX/XX/year> and made a purchase of {$6500.00}. This was devastating to find out. We urgently shut down/ canceled my credit accounts and immediately filed scam/ fraud reports.

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 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
Portfolio Recovery Associates served me with a legal collection notice, via the XXXX XXXX Police on XX/XX/year>, in XXXX XXXX MN at approx XXXX pm. I had XXXX  days to respond. I responded within the allocated time saying it was not my debt, I know nothing about it and provide all proof. Original contract, signatures for purchases, proof they had purchased said debt, and the Firm Did NOT reply with any evidence within their required time of XXXX  days. If not, they need to remove this from my credit report and invalidate the debt. 

As of XX/XX/year> I had NOT received a response, and there collection was still on my report. I sent another letter to the Firm, stating they were in violation of MN law, and all Attorneys and persons involved were now liable. They have blocked my calls too them, I have had to use other phone numbers to get them to answer. They have disconnected calls, when I've actually been successful in getting through to them. They have used every sneaky trick to try and collect on a debt that I do not have with them, they've failed to show a contract them, and failed to comply with collection law as per MN law. 

Eventually my credit reporting showed a false {$1.00} payment, which eventually disappeared as they were trying to create a payment chain. 

They have now started a Law suit, which I received on XXXX, to appear online for court on XXXX. 

This company has been fined over {$50.00} XXXX dollars in fines for illegal collection practices in the last XXXX  years, and they are STILL doing it... 

I do NOT have a scanner, but can post things..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Paypal Holdings, Inc
State: OK

Complaint narrative:
I documented this complaint in case XXXX and XXXX  called me and said they fixed my account, but I confirmed to them it was not fixed and is still not fixed. 

The account @ XXXX is not able to receive any payments since I created the account over XXXX  months ago. No on at XXXX  is able to help me. 

All users trying to send money to the business @ XXXX receive an error that payment was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: AL

Complaint narrative:
Me and my Ex girlfriend recently broke up while I was depositing my funds into my account she gave her brother my information and he took my funds off my account without my authorization so i contacted police filled an report they told me contact the clerk or the bank source which is XXXX  they wont give me my funds back or refund it also keeps denying my claims

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TIDEWATER FINANCE COMPANY, INC.
State: AZ

Complaint narrative:
Payments were post dated then XX/XX/year> XXXX XXXX called 3 times in span of 3 minutes on same phone number. I tried to call ask for a supervisor it disconnected then I got a follow up email about how my post date will not secure account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
My GM Rewards Mastercard account was converted from XXXX XXXX to Barclays on XX/XX/year>. 

As confirmed by a Barclays representative in writing, my account was forcibly unenrolled from Auto Pay as part of this conversion. I did not authorize the removal of Auto Pay, nor did I take any action to cancel it. Auto Pay had been active and functioning correctly on this account for years, as evidenced by my statement history. 

At the time of the conversion, my mailing address on file was incorrect ( unknown whether or not this was an error from XXXX XXXX or not ). As a result, I did not receive any mailed notice regarding the Auto Pay unenrollment, any requirement to reenroll, or any notice that payments were past due or that the account had become seriously delinquent. I also did not receive any EMAIL notifications regarding these issues, nor any phone calls, nor any text messages. 

On top of everything, it seems that Barclays enforces a minimum $ XXXX charge for this GM Mastercard . But, because Auto Pay was removed without my authorization and effective notice was not provided, this system-generated {$1.00} minimum charge caused the account to become late, and additional late fees were assessed. Unaware of this situation unfolding, this occurred over the span of XXXX  months with escalating late fees. These charges were NOT the result of consumer neglect or missed payments, but rather a failure in Barclays account conversion and notification processes. 

Despite this, Barclays reported my account as delinquent to the credit reporting agencies and reduced my credit limit from {$4000.00} down to {$300.00}. I only recently became aware of the issue after receiving alerts from FICO credit monitoring and XXXX who used this information recently in my credit profile to assess my creditworthiness, resulting in an adverse decision. The resulting delinquency Barclays is reporting does NOT accurately reflect my payment behavior and constitutes inaccurate furnishing of information.

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