vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: CA

Complaint narrative:
XXXX is refusing to delete the fraud items. World finance is fraud. Someone forged my signature and i already filed a police report and provided documents.

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: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
XXXX XXXXs refusing to delete the fraud items. World finance is fraud. Someone forged my signature and i already filed a police report and provided documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XX/XX/XXXX scammer posing as Robinhood customer service called me about transferring my brokerage account balance to a wallet because my account was hacked and moved almost XXXX dollars out of that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: WA

Complaint narrative:
I submitted a claim for a debt collection from Hunter Warfield in XXXX. This was already cleared and closed following the response from Hunter Warfield. Then went back on my credit, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I called XXXX in XX/XX/2026 because I was unemployed and requested to halt my {$84.00} student loan monthly payments. The representative advised that a consolidation would lower my payment. The representative helped me submit the request and I forwarded all requested documents including my approval for unemloyment. At that time, no information was given or available detailing the consolidated loan, only that my payments would be lowered I received documents in the mail on XX/XX/2026 from Aidvantage stating that I had 10 business days from the date of the document ( XX/XX/2026 ) to cancel the application. I called advantage on XX/XX/2026 requesting to cancel the loan because I did not request this loan. I requested a consolidation loan to reduce my loan because I was unemployed. And the 10 business days had expired before I received the documents in the mail. On XX/XX/2026 the aidvantage employee said that there was not any information in her system that would tell me the loan terms. She stated that XXXX will send me documentation and once I received that documentation I would have 10 days to cancel the loan. If I knew at that time that there was a new loan increasing my payment from {$84.00} a month to over {$200.00} a month I would not have agreed to those terms! This whole process seems illegal and fraudulant. My guess is that someone is profiting on giving people loans without their consent! I am requesting this loan be reversed to my original loans because : The new loan terms was not discussed or approved by me before approval and disbursement. I received the consolidated loan documents in the mail after the 10 business days required for cancellation I called when I received the documents and was given incorrect information by an Aidvantage employee, which I am sure if the phone call was recorded, this information can be verified. I have called Aidvantage and XXXX many times since XX/XX/2026 trying to rectify this situation. I am emotionally distraught, angry and loosing sleep because I am trying to servive in this economy and have to deal with your illegal business practices of obligating me to a $ XXXX loan when I called because I was unemployed and could no afford the {$84.00} monthly loan payment. Please rectify this situation immediately. Because I believe this is a scam! Anyone in there right mind would not agree to a loan increase when they are unemployed and calling for help to reduce the payments!

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding inaccurate late payment reporting on my credit report.I have reviewed my credit reports and found that this account is being reported with late payments that I dispute as inaccurate/unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Back in XXXX, I filed a dispute as I was instructed to do by the bank because there were two companies taking money from my account that I did not authorize then the bank closed my account because they said it was a liability because of the fraudulent activity, even though they suggested for me to file the Disputes and claims, and they have not yet to refund my money that has been owed to me for the unauthorized money that was taken out from the company with my account

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
threatens to sue, repeated calls, won't provide any detailed information. just tries to collect money. only states is is from a rushmore card. whatever that is. the contact phone number is XXXX

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: Managing an account — Problem accessing account
Company: Block, Inc.
State: TN

Complaint narrative:
account for cash app was closed without notice due to activity they deemed inappropriate. I received a refund from a merchant for {$150.00} and it is on the cash app account that is closed and I am restricted from opening another account with cash app. I have called numerous times and submitted chat support requests to have this money refunded. I did not use my cash app account in any way inappropriately and now I am unable to access the {$150.00} that is owed to me. I am unable to create a new account and according to Cash App that is the only way to get the {$150.00} from the closed account. They closed the account and will not reopen it or give me my refund. They advised me that my account was closed due to violating their terms, in which is absolutely false. I just want my money back. I am attaching the screenshot of the info from Cash App.

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: KEYCORP
State: VT

Complaint narrative:
I am filing this complaint because KeyBank is in violation of Federal Regulation E by denying an unauthorized ATM transaction that occurred on XX/XX/year>, in XXXX, OR. KeyBank 's final denial letter lists an incorrect transaction date of XX/XX/year>, proving a flawed and incomplete investigation. The actual unauthorized transaction took place on XX/XX/year>, and a woman in the KeyBank fraud department reviewed the transaction when I reported it, so I know she had the correct date at that time. KeyBank sent a final denial letter dated XX/XX/year>, stating the transaction is valid because a " CHIP and/or PIN were authenticated. '' This conclusion relies on faulty technical logic. I reside in Vermont, I have physical possession of my debit card, and I have not boarded an airplane in the past 12 months. It is physically impossible for me to have been in XXXX, Oregon, to conduct this transaction. I am attaching documentation proving that my debit card was used by me personally in Vermont twice on XX/XX/year> ( including a local gas station purchase via a XXXX auto-deduction and a debit card transaction at XXXX, a local grocery store ). It is a mathematical and physical impossibility for my physical card or myself to have been in XXXX, Oregon, on this exact day. I also show a point-of-sale XXXX XXXX transaction at XXXX XXXX XXXX in Vermont on the exact day KeyBank claims my physical debit card was used thousands of miles away in Oregon. My decades-long account history with KeyBank demonstrates that I rarely use my debit card at ATMs. In fact, the only ATM transaction in my account in the last 18 months was the fraudulent one. The physical ATM withdrawal in Oregon on XX/XX/year>, is completely inconsistent with my historical account usage, further proving my card data was cloned. KeyBank issued a final denial and reversed the funds today, XX/XX/year>, without requesting my statement or reviewing the true transaction date of XX/XX/XXXX. They based their decision on XXXX evidence, while my official account records show an absolute physical impossibility. KeyBank 's automated system erroneously concluded that " no error occurred '' based on faulty date logic and a failure to review ATM surveillance video. I demand KeyBank immediately reopen this case, review the correct transaction date logs, and credit my account. I have filed a report with the XXXXXXXX XXXX XXXX XXXX. My case was assigned to Sergeant XXXX XXXX, and my case number is XXXX.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Dear Customer Affairs, I am respectfully requesting an executive review of the deferred interest charge of {$1600.00} that was recently added to my CareCredit account. When I discovered this charge, I immediately contacted CareCredit and spoke with multiple representatives and a supervisor. Unfortunately, I was informed that there were no options available other than paying the full amount. I am reaching out to Customer Affairs because I am hoping someone can take a more comprehensive look at my situation and consider a reasonable resolution. Throughout my time as a CareCredit customer, I have made consistent efforts to meet my financial obligations and have made substantial payments toward this account. I have never intentionally ignored this debt or avoided making payments. I have always acted in good faith and have worked hard to reduce my balance. The sudden addition of {$1600.00} has created a severe financial hardship for my family. I am the sole provider for my household and financially support my XXXX children as well as my mother. Paying this amount immediately would leave me unable to cover essential living expenses, including my mortgage payment, groceries, and other basic necessities for my family. I fully understand that promotional financing programs have terms and conditions. However, I am respectfully asking for compassion and consideration based on my payment history, my good-faith efforts to pay this account, and the extraordinary hardship this charge has created. I am not asking to walk away from my responsibilities. I am simply asking for an opportunity to work toward a solution that does not jeopardize my familys financial stability. I would greatly appreciate a review of my account and consideration of any available options, including a reduction, waiver, adjustment, or alternative resolution regarding this deferred interest charge. I would also appreciate receiving a detailed explanation of how the charge was calculated and copies of the promotional financing terms associated with my account. This situation has caused me significant stress and anxiety, and I am sincerely asking for your help. I have always tried to be a responsible customer, and I hope CareCredit can extend the same consideration and understanding to me during this difficult time. Thank you for your time, your review of my account, and any assistance you may be able to provide. Sincerely, XXXX XXXX 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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Consuegra & Duffy, P.L.L.C.
State: FL

Complaint narrative:
MY BANK ACCOUNT WAS OVERDRAWN XXXX XX/XX/year> OF {$4500.00} WHICH I DIDN'T HAVE THAT MUCH MONEY IN MY ACCOUNT. I WENT TO THE BANK AND THEY GAVE ME THE NAME AND PHONE NUMBER TO CALL WHICH I HAVE MADE MANY ATTEMPTS CALLING IT AND GET ON HOLD FOR A LONG TIME THAN I GET DISCONNECTED. MY BANK THE THE AMOUNT WAS FOR {$2200.00} BUT THE AMOUNT TAKEN WAS {$4500.00} WHICH MEANS THEY HIT MY ACCOUNT TWICE SO FAR. THE NAME OF THE COMPANY IS XXXXXXXX XXXX XXXXXXXX. MY BANK GAVE ME A CASE # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I paid my car off at the beginning of the year. I have no idea where this {$4500.00} balance from Wilshire XXXX came from. I had nothing but issues with Westlake Financial regarding posting my payments correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
I was contacted by Advantage Financial Services regarding a debt collection attempt initiated on XX/XX/XXXX. When I was first contacted, I informed the representative that I had not received any prior notices. It was determined that Advantage Financial Services had an incorrect address on file, which I subsequently corrected. After reviewing my records, I formally disputed the debt on XX/XX/XXXX, as I can not verify that this debt belongs to me. I requested documentation to validate the debt, but the agency refused my request. They stated that they would not provide validation because I did not request it within 30 days of the account being assigned to them on XX/XX/XXXX. However, as previously noted, the initial notification was sent to an incorrect address, and I did not receive it. I disputed their refusal to provide validation, as the failure to receive the original notice was due to the agency using outdated contact information. I request that Advantage Financial Services provide the necessary documentation to validate this debt. They refused and said they are not required to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
My business was defrauded of {$950.00} by a fake XXXX XXXX impersonation ring operating via the malicious domain " XXXX ''. The unverified merchant extracted {$950.00} under total misrepresentation for fake inventory tasks. They have failed to provide any services, permanently withheld the funds under an " Under Review '' status, and stole my business licenses and driver 's license. I have filed official cybercrime reports with the FBI ( IC3 ) and IdentityTheft.gov. I am exercising my rights under Federal Regulation E to demand a full chargeback reversal from Block , Inc. for severe merchant fraud and total non-receipt of services.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a formal regulatory complaint against Capital One N.A. for an explicit violation of the Fair Credit Billing Act ( FCBA ) regarding Case Number XXXX. Capital One has rebilled my account for {$2500.00} for a service that was legally uninhabitable. On XX/XX/year>, I uploaded a comprehensive physical evidence packet containing a formal referral from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX designating the merchant property as an 'Unsafe Structure " due to active water flooding into electrical mains and a lack of mandatory fire detection. On XX/XX/year>, Supervisor XXXX ( Agent ID : XXXX ) informed me that Capital One is closing the dispute and siding with the merchant solely because I do not possess a written 'credit memo ' from the vendor. Capital One is refusing to evaluate the municipal safety documentation and has failed its statutory duty under the FCBA to conduct a reasonable independent investigation, choosing instead to enforce a rigid internal checklist that protects a merchant operating an illegal construction site. Furthermore, Capital One is ignoring a documented verbal contract authorized by an XXXX Senior Supervisor on a recorded line on XX/XX/year>, which was already authenticated by the merchant 's initial partial payout of {$190.00} on XX/XX/XXXX. Capital One is failing its regulatory duty to conduct a reasonable investigation by choosing to protect a fraudulent vendor over a cardholder facing documented life-safety hazards. I am expecting a manual compliance override and a permanent reversal of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
PayPal has frozen my personal financial account based on an unadjudicated third-party administrative demand from a business lender, XXXX XXXX XXXX XXXX XXXX does not possess a court-ordered judgment, judicial levy, or asset garnishment against me or my personal property. A UCC-1 filing is a public notice, not a judicial order. Front-line customer service and supervisors have refused to escalate this file to compliance, claiming PayPal does not have a legal department. PayPal is locking my personal consumer assets over an unadjudicated commercial dispute, causing severe personal financial harm. I demand that PayPal 's executive compliance team immediately override this hold and release my personal funds.

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: GLA Collection Company, Inc.
State: TN

Complaint narrative:
GLA COLLECTION CO is falsely reporting on my credit. I have never had any accounts with them. Per my research GLA COLLECTION CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: DE

Complaint narrative:
Santander Consumer USA is actively preventing me from legally registering my vehicle. My registration has been expired for over a year, Santander refuses to send my original title to the Delaware DMV despite receiving the mandatory MV35 form. Their offshore phone support gives me the runaround and explicitly refuses to transfer me to a domestic agent or manager to resolve this. I am at immediate risk of vehicle impoundment, fines, and losing my job due to their administrative negligence which is imposing a hardship in paying this and keeping it up to date. Per our previous correspondence in Filed complaint # XXXX santander Consumer Usa states they have not received a form of request, in return I have a letter mailed to me ViA XXXX that is proof that santander Consumer Usa has received the request but has yet to process In return I have been lied to hung up on and pushed from one representative to another and noone can seem to transfer me to an escalation supervisor or transfer me to a domestic or onshore department this has become a high inconvenience and an ongoing financial hardship, I will be taking this matter further.

Company response to consumer: Closed with explanation