vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: ID

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of disputed transactions and its failure to conduct a reasonable investigation. 

On XX/XX/2026, XXXX transactions totaling {$170.00} ( {$80.00} and {$90.00} ) were processed through my Cash App account with XXXX  XXXX XXXX XXXX. I disputed these transactions promptly and have time-stamped video and photo evidence supporting my claim. 

Cash App has acknowledged that this evidence exists and is relevant, but has locked the dispute flow for over XXXX days, preventing me from uploading any documentation. Despite blocking evidence submission, Cash App continues the investigation and has refused to provide any timeline for resolution. 

Cash App has also refused to issue provisional credit, causing financial hardship while the investigation drags on without transparency. 

This practice effectively denies consumers a fair dispute process by preventing evidence submission while still making determinations. I am concerned that Cash App may deny my dispute without ever allowing me to present proof. 

I am requesting regulatory review of Cash Apps dispute-handling practices, including evidence suppression, investigation delays, and refusal to provide provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: TN

Complaint narrative:
I am a resident of Tennessee and obtained a loan from Niswi, LLC ( XXXX Lendumo ). I am filing this complaint because the company is engaging in predatory and deceptive lending practices. 

Illegal Interest Rates : Lendumo is charging an APR of 795.000 % which far exceeds the legal interest rate limits in Tennessee ( currently capped at a formula rate of 10.75 % per annum as of XX/XX/2026 ). 

Unfair and Deceptive Practices : In an email response ( Ref # XXXX ), the company pressured me to 'split ' a past-due amount of {$320.00} over future installments. This practice obscures the total cost of the loan and traps consumers in a cycle of debt by accruing daily interest on an already excessive balance. 

Failure to Disclose : Lendumo has not provided a clear accounting of my principal balance or a debt validation that complies with Tennessee licensing requirements. 

I have formally revoked my ACH authorization, but the company continues to demand payment. I request that the CFPB investigate Lendumo for operating without a state license and collecting on a debt that is void and unenforceable under Tennessee law. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: LA

Complaint narrative:
I am currently in the process of rebuilding my life after experiencing the loss of a parent while also welcoming a newborn child. This has been an extremely vulnerable and challenging period, emotionally, physically, and financially. During this time, I have made a good-faith effort to get my affairs in order and ensure that all information reported about me is accurate and lawful. Unfortunately, the companys actions have caused additional and unnecessary hardship. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
Cash App ( Block, Inc. ) suspended my account without providing a specific reason and has confirmed in writing that while an external merchant refund will be accepted into my account, I will be unable to access, withdraw, or transfer my own funds due to a denylist restriction. 

Cash App stated that my only option is to wait for an internal appeal decision, with no guaranteed release of funds and no alternative disbursement method if the appeal is denied. 

Cash App has now closed my complaint without resolving how or when my funds will be released. Accepting consumer funds while preventing access and closing the complaint constitutes withholding funds without a reasonable resolution process. 

I am requesting the immediate release of all funds owed to me or a lawful alternative method of disbursement. 

Cash App case reference : XXXX Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: FL

Complaint narrative:
I am writing in response to your reporting and/or attempt to collect the above-referenced debt. This letter is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide me with competent evidence that I have a legal obligation to pay this debt. Specifically, I request the following : 1. The name and address of the original creditor 2. The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges 3. A copy of the original contract, agreement, or application bearing my signature 4. Proof that your agency is licensed to collect debts in my state 5. Documentation showing that you have the legal authority to collect this debt ( including assignment or bill of sale ) Until you provide the requested validation, you must cease all collection activity, including reporting or verifying this account with any credit reporting agency. If you have already reported this account, please note that failure to validate requires immediate deletion. 

This request is not a refusal to pay, but a request for verification of the debt as required by law. 

Please respond in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. 

Collection Agency : Professional Debt Mediation Original Creditor : XXXX XXXX  Apartments Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance Reported : {$11000.00} I dispute this account in its entirety. I do not believe this debt is accurate, complete, or verifiable. To my knowledge, I was never provided proper validation of this alleged obligation, nor have I been presented with documentation proving I am legally responsible for the amount being reported. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you conduct a full investigation of this account and verify the following : - A copy of the original signed lease or contract bearing my signature - A complete itemized breakdown of the amount claimed - Proof that this debt was legally assigned or transferred to the collection agency - Verification that the reporting is accurate and complies with federal and state law If this information can not be fully verified, I am requesting that this account be deleted immediately from my credit report. 

Please provide written confirmation of the results of your investigation. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 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: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank refused to process a dispute despite multiple documented merchant violations. 

The merchant failed to disclose any refund or cancellation policy at checkout. The website includes a View our policies section that is blank, with no text or link provided. 

I attempted to cancel the order before fulfillment and before any shipping label was created, but the merchant refused without citing any disclosed policy. 

Additionally, the merchant delivered the wrong product, which does not match the item described at purchase. 

The merchant was non-responsive to multiple emails, and the XXXX XXXX phone number listed on the website is inactive, leaving no viable method of customer support. 

Despite being provided this evidence, Discover Bank declined to assist and directed me to pursue the matter through the XXXX  instead of providing consumer protection through the dispute process. 

I am requesting a formal review of Discover Banks handling of this dispute, as the refusal to act contradicts standard consumer protection practices for undisclosed terms, non-delivery of correct goods, and lack of merchant responsiveness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing the Jefferson Capital Systems account as it resulted from identity theft and was opened without my consent. Under the FCRA ( 15 U.S.C. 1681c-2, 1681s-2 ) and FDCPA ( 15 U.S.C. 1692e ), please investigate and delete this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kovitz Shifrin Nesbit, A Professional Corporation
State: IN

Complaint narrative:
I am submitting this complaint regarding debt collection activity related to my HOA account with XXXX XXXX XXXX XXXX XXXX, which was transferred to a third-party collections law firm/agency, XXXX XXXX XXXX ( XXXX XXXX XXXX 

On XX/XX/year>, I submitted a written Formal Dispute of Alleged Debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) by email to XXXX. In that written dispute, I requested full debt validation, including a complete itemized account ledger showing all assessments, late fees, interest, attorney/collection fees, payments, and credits ; copies of all notices allegedly sent ( with dates and delivery method ) ; supporting documentation for each charge and fee ; and a payoff statement/instructions for payment. 

Despite this written dispute and request for validation, the collector has not responded and has not provided the requested validation, ledger, or payoff information. 

In addition, the XXXX XXXX XXXX has stated that my account is inactive with them because it was transferred to the attorney/collections, and they will not accept payments directly or assist further. This has prevented me from paying my ongoing/current-year HOA assessments. As a result, I am concerned that additional late fees, interest, and attorney/collection fees may continue to accrue even though I have attempted to resolve the matter and my written dispute/validation request remains unanswered. 

I am requesting that the collector provide the required validation and documentation and stop accrual of additional fees while my dispute remains unresolved.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: VA

Complaint narrative:
Erased from XXXX  but still on XXXX  and XXXX  not recognized William and rush

Company response to consumer: Untimely response
Consumer complaint received 2026-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: MS

Complaint narrative:
ok for the last time : I do not nor have I ever received a loan from fha, HUD, GMAC mortgage corporation or XXXX XXXX....... for XXXX as a XXXX XXXX XXXX mail I can not contract with a corporation.in XXXX of XXXXi was afforded the privilege of receiving XXXX money for a house with the XXXX information of my XXXX XXXX per XXXX was listed as the XXXX, XXXX : XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX to the law which states fha reqiures no less then XXXX % down payment on any insured fha mortgage which is not a mortgage but insurance that we the people pay and it only protects the XXXX mortgage.so now XXXX XXXX should have been principle.now I was charged XXXX  % intrest from XXXX which isXXXXwith final bal XXXX XXXX  until present intrest rate of XXXX XXXX XXXX XXXX which is XXXX XXXX years is my damages.reason the forcloser law states they can not make a profit on a mortgage.so I have proof my mortgage was paid on the day I signed the last paper to XXXX XXXX w/ GMAC corporation with out recourse.so now I'm tired of doing your job for you so if you need proof request it from XXXX.in conclusion I expect a XXXX account set up and running within XXXX days XXXX XXXX XXXX XXXX ( b ) - ( d ) XXXX thank you and have a great day

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 2026-01-31 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XX/XX/year> ( Disput ID XXXX, I made several attempts to get help from a representative concerning the upload feature associated with the dispute process and no one from XXXX XXXX Synchrony Bank was able to help, at all!, resulting in me not being able to upload the screenshot photos associated with the Merchant ( XXXX XXXX, whom never responded back to my emails or shipped my order, the dispute feature on ly displays an ERROR message when you're trying to submit and or upload supporting documents, which could cause issues with the dispute itself, the supporting documents/screenshot s will be included in this complaint and the company will be able to review the supporting documents/screenshot s under these circumstances.

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 2026-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX and Capital One / Capital One 360 are violating my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2 and 1681i, by re-reporting and re-inserting fraudulent information that resulted from identity theft. 

I am a documented victim of identity theft. I provided all legally required documents, including : FTC Identity Theft Report # XXXX My signed identity theft affidavit Government-issued ID Proof of address Statement explaining that the Capital One and Capital One 360 accounts were fraudulently opened without my authorization Timeline of the violation : XX/XX/year> : XXXX received my identity theft documents and blocked the fraudulent Capital One/Capital One 360 information. 

XX/XX/year> : XXXX  sent written confirmation that the identity theft block was applied as required by the FCRA. 

XX/XX/year> : XXXX  sent another letter stating that the block was rescinded and the fraudulent Capital One / Capital One 360 information was reinserted into my consumer file after the furnisher ( Capital One ) claimed the information was accurate, even though I provided a valid FTC Identity Theft Report. 

FCRA Violations : Improper reinsertion of identity-theft information Failure to honor a valid Identity Theft Report ( FCRA 1681c-2 ) Failure to conduct a proper reinvestigation ( FCRA 1681i ) Failure to provide the required reinsertion notices and certifications Furnishing inaccurate information ( Capital One violating 1681s-2 ) Capital One has not provided any evidence that I opened these accounts because I did not. These accounts were created by an identity thief. The reinsertion has caused financial harm, credit damage, emotional distress, and significant delays in resolving this issue. 

Requested resolution : For XXXX XXXX XXXX  : 1. Reinstate the identity theft block immediately 2. Permanently delete the fraudulent Capital One/Capital One 360 information 3. Provide all documents relied on for reinsertion, including vendor certifications and investigation results For Capital One/Capital One 360 : 1. Provide documentation explaining how they determined the account belongs to me 2. Conduct a lawful reinvestigation under FCRA 1681s-2 3. Cease furnishing false information...

4. Remove all fraudulent accounts associated with my identity I have complied fully with all requirements and provided complete evidence. There is no valid basis for reinserting identity theft information into my consumer file. I request that the CFPB intervene and compel both entities to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Capital Auto Credit, LLC
State: OH

Complaint narrative:
My lender Capitol Auto Credit LLC, was assigned my XXXX on XX/XX/XXXX under the dealer XXXX XXXX XXXX XXXX However they were only given limited authorization outlined in the XXXX, which was only to enforce the terms of the XXXX, any terms outside of the XXXX must be given consent by the Buyer. 
Futhermore, a signed notice ( not proof ) reads XXXX  fees were added the date of purchase with an end date of XX/XX/XXXX same date as the contract final payment date. No policy number, premium amount nor lenders certificate was never n still hasnt been provided to me. My first payment on XX/XX/XXXX included that {$50.00} XXXX  fee added to my {$240.00} car note making my full payment {$290.00} bi weekly for a year now. However the only contract obligation I have is {$240.00}, XXXX was never financed in my loan .. once I notice in XX/XX/XXXX that I was paying for XXXX  but a premium was never added to my balance. That's when I seen a red flag. So I called n asked for the policy num n information about the insurer n how much was the premium. I was told there is no policy number, they were the insurer n what needs fix they'll fix.. I said that's not how XXXX  works, by law u have to provide me proper proof of XXXX. They told me only proof they need is the notice I signed. 
So I decided before i make my next payment on XX/XX/XXXX if there is still no policy number when I ask, I'm only paying my contract obligation {$240.00}. Which on that day still no policy num, I paid my car note only of {$240.00} which was accepted. However without my consent n without me knowing my payment {$240.00} was split n misapplied n a manufactured defaulted was made. My receipt shows {$50.00} was put towards a side note balance with a balance of XXXX n only XXXX was put towards my car note. Leaving me owing {$50.00} on my car note, n a collections fee of {$75.00} when I paid the full amount on the due date. The lender made the side note balance first priority over my contract obligation. N THIS IS A LARGE AMOUNT, IM JUST NOW FINDING OUT ABOUT, THAT IVE BEEN PAYING ON, THATS NOT IN MY CONTRACT N I HAVE NO IDEA WHAT ITS FOR N I HAVE NOT GIVEN MY CONSENT TO A SIDE NOTE OR SECRET LOAN. THE LENDER REFUSES TO LET ME KNO ABOUT A SIDE NOTE N CONTINUES TO CHARGE ME. 
I HAVE DOCUMENTS TO SUPPORT MY COMPLAINT!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is 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 2026-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XX/XX/XXXX is the disputing that's happening now after the first was lost on XX/XX/XXXX. But one XX/XX/XXXX That XXXX. Pending they seen it was wrong. BUT with Chime i am seeing transactions Change amounts and or disappeared perfectly good fact like yesterday XXXX. XXXX cents Came from XXXX and then it disappears. There is a XXXX Charge from XXXX I didn't authorize yet soon as I add money back into Chime from XXXX  and then a sudden charge but XXXX it's self is upset about XXXX from FTC and has lied has me owning XXXX dollars it was XXXX every month I could look at my math from the time I get the deposit and the balance nothing happens looking again ok just a quick quess with my math I am missing XXXX. It's the XXXX Bank from XXXX funny ways loading it with funds the difficulty it is allmost haveing to load cash or Achs now last month it bounced to every bank that it was told not to and just missing the payment and pay pal just closing accounts just many emails I have pay pal accounts and havei g to question funds and the fact I had to contact THE XXXX  just to get a account of mine after being blocked of the account and no reason for me not to understand.. I have a XXXX Bank account that says private account. Questing the account I have a time limit till XX/XX/XXXX to get my account back with XXXX XXXX  but XXXX XXXX Says that too. XX/XX/XXXX they will have a resolution to to my account. LIEING to CFPB and no one 's addes these amount of unagrable balance untill I show the receipt and last 4 of the card used. Then I showed them twice all proff the time they was under investigation from the OCC sent from CFPB Then the account number created XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX AND XXXX  BUYS even a XXXX  XXXX. Yet

Company response to consumer: Closed with explanation