vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease & Desist/ Debt Validation Demand - Violations of the FDCPA & FCRA Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing this letter to serve as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you CEASE AND DESIST all forms of communication with me regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue actions on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ). Please provide the following : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of the title or assignment of debt, including transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4.Your debt collector license number and the state ( s ) in which you are licensed to collect. 5. Your surety bond information as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and you must cease all collection activities and reporting of this debt. If this debt is being reported to any credit reporting agency, please note that reporting unverified information may constitute a violation of the Fair Credit Reporting Act. Please respond to this request within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: VA

Complaint narrative:
I was using CashApp to submit payment for services. I started inputting CashApp designation to send payment, and text block filled auto-filled with almost identical user designation. It stored. Then payment was sent. I've requested refund. Nothing has occured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> [ Debt Collector Name ] [ Address ] [ City, State, ZIP Code ] Subject : Cease & Desist/ Debt Validation Demand - Violations of the FDCPA & FCRA Account # [ Account Number ] To Whom It May Concern, I am writing this letter to serve as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you CEASE AND DESIST all forms of communication with me regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue actions on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ). Please provide the following : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of the title or assignment of debt, including transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. 4.Your debt collector license number and the state ( s ) in which you are licensed to collect. 5. Your surety bond information as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and you must cease all collection activities and reporting of this debt. If this debt is being reported to any credit reporting agency, please note that reporting unverified information may constitute a violation of the Fair Credit Reporting Act. Please respond to this request within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I disputed a {$54.00} XXXX XXXX membership charge after canceling my membership. On XX/XX/year>, the merchant confirmed in writing that : my membership was successfully canceled ; and a refund of {$54.00} was processed to my original payment method ( reference number XXXX ), to be received within XXXX business days. I never received this refund. I submitted this documentation to Apple Card Goldman Sachs as part of my dispute and again after reopening the case. Despite this, Apple Card Goldman Sachs denied the dispute twice using boilerplate reasoning stating that the service was provided or not canceled in accordance with the merchants terms and conditions. This conclusion directly contradicts the merchants written confirmation that the membership was canceled and that a refund was processed. Apple Card Goldman Sachs did not address or reconcile this evidence in either decision and did not provide any explanation or documentation supporting their conclusion. This complaint concerns a failure to properly evaluate submitted evidence and apply the correct dispute standard for a refund not received claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reported a Fraud On XX/XX/year>, I received a notification from Wells Fargo indicating that my card had been declined. I logged in to see what had happened and noticed two unauthorized transactions : the first, for {$2800.00}, was approved ; the secondfor nearly the same amountwas immediately rejected by my bank and did not go through. I called my bank to report that I had not authorized these charges ; they issued me a provisional credit and informed me that they would conduct an investigation. The entity attempting to process these charges was XXXX XXXX Subsequently, I called XXXX XXXX to report the incident and declare that it was fraudulent ; for security reasons, they closed my account and stated they would conduct an investigation. However, I received no response from them until XX/XX/year>, when I contacted my bankWells Fargobecause they had charged me for the transaction once again. They claimed that since XXXX had processed the payment, they were required to debit my account for the amount. I lodged a strong protest with Wells Fargo, insisting that the transaction was fraudulent, as I had previously reported that I was not the individual who had initiated or executed it. I also requested forensic evidence, such as account access logs ( including IP address, date/time, and device type ), session logs, proof of authentication ( XXXX ), XXXX footage or identification records from the branch or courier location where the payment was disbursed, and the complete chain of custody for the payment. For this reason, I am turning to you, as my bank is obligated to protect my personal checking account and demand the evidence requested from XXXX XXXXevidence which, it appears, they do not possess. I was unaware of this situation ; however, Wells Fargo recognized it as fraud from the very beginning, given that two transactions were attempted in immediate successionwhich is why they blocked the second transaction. I never carried out this transaction from my XXXX XXXX online account, nor in person.

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 2026-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I believe the mortgage company made a significant error in calculating the escrow and property tax amounts at closing, which resulted in an inaccurate monthly payment being presented to me. Under the Real Estate Settlement Procedures Act ( RESPA ), 12 U.S.C. 2601 et seq., and Regulation X ( 12 C.F.R. 1024.17 ), they are required to provide accurate escrow estimates and follow strict limits on escrow collection. In addition, the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and Regulation Z ( 12 C.F.R. Part 1026 ) require that all loan terms, including the total monthly payment, be clearly and accurately disclosed before closing. The payment I was given does not reflect the true amount, which raises concerns about a violation of these disclosure requirements. I also felt pressured to move forward with signing despite these discrepancies not being clearly explained or resolved. This may fall under the Dodd-Frank Acts prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). Additionally, under the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), any misrepresentation or deceptive conduct in connection with this loan may constitute a violation. Based on these issues, I am seeking a full review and correction of my loan terms, along with accountability for any errors or misleading information provided during the closing process. As well as the reversal of negative credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing a complaint against TD Bank regarding wrongful blocking of my credit card and inability to access my account while I am abroad. I am currently in XXXX. My card expired, and the replacement was sent to my XXXX address. While waiting, I used the digital card available in the app, which does not show the full number or CVV. I successfully used it XXXX times. After that, transactions were declined. I contacted TD Bank and was told the issue was resolved, but the next day the card was blocked again. I spent approximately XXXX minutes on the phone verifying my identity. I provided my Social Security number, received verification codes, and answered multiple security questions correctly. The supervisor asked whether I was the only person on the account. Initially, I said yes, but then I became unsure because I have other joint accounts with my husband. To be accurate, I corrected myself and provided his name. Immediately after that, my card was completely blocked, even though my identity had already been verified multiple times. I am currently abroad and there is no TD Bank branch available to me. I have now received the physical card and have access to the CVV, but I am still unable to unblock or use my card. TD Bank is also requiring me to create or reset login credentials, but I am unable to complete this process due to the account being blocked and lack of access to required verification methods while outside the United States. This situation has caused significant stress, including XXXX XXXX XXXX, headaches, and lack of sleep. I am requesting immediate unblock of my card and full restoration of access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: AK

Complaint narrative:
On or about XX/XX/year>, I made one legitimate XXXX XXXX transactions using my debit card to send money to my spouse. Shortly after, my account was locked due to suspicious activity. I was asked to submit identity verification documents, which I provided on XX/XX/year>. Since then, I have contacted the company multiple times and have been told to wait XXXX business days, with no confirmation that my documents have been reviewed or accepted. As of today, my account remains locked and I am unable to access my funds totaling approximately {$1000.00}.

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 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
LoanDepots Biweekly Payment Restrictions Limit Consumer Choice LoanDepots servicing platform does not allow borrowers to set up biweekly automatic payments based on their actual pay schedule, even when the payments would be received before the monthly due date. The app forces a rigid schedule, and customer service representatives confirm they can not override it. LoanDepot also requires borrowers to be a full 2 months ahead before biweekly payments can be activated. This means consumers must effectively pay two months in advance just to access a biweekly schedule. This requirement is not clearly disclosed and feels intentionally designed to prevent borrowers from benefiting from biweekly payments, which reduce interest and accelerate principal payoff. The combination of restrictive technology, lack of manual support, and a forced prepayment requirement is unreasonable and misleading. I am requesting that this policy be reviewed and that LoanDepot provide a transparent explanation and a fair method for consumers to set up biweekly payments without unnecessary financial barriers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I purchased 2 watches from a company worth {$320.00} and never received my goods. I went to dispute my transaction on XX/XX/XXXX and no action has been taken from that date on. Its currently 45 days in and I still havent received anything no goods and no compensation. Im here to take farther steps

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I took out a lease loan for new tires. 2 front new. XXXX is the entire lease. I spent almost XXXX for both tires and service. The initial plan was to pay the max bill 3 payments before XX/XX/XXXX. I paid the first 2 on time with one left. It was XX/XX/XXXX. Conviently it said past due. XXXX for last payment before XX/XX/XXXX now is the policy. I had a XXXX last payment before XX/XX/XXXX. Instead I have past due XXXX before XX/XX/XXXX. Its XX/XX/XXXX. Today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I can not make purchases with XXXX using my synchrony bank credit card without going through an entire ordeal with their " fraud team. '' I have had 6 conversations with them now over transactions being denied with this company and i have requested they stop blocking payments for services repeatedly and been told 3 times that this would no longer occur and yet it continues to happen. I continually have to go through hoops to prove i am making these transactions requiring even sofar as to provide video selfie verification to them. At some point this is going to end up having spectrum block this card i need to pay them with, have them drop me as a customer, or charge me late fees because synchrony continues to block any type of payment i make to them.

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 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing a complaint regarding a credit account issued by Synchrony Bank in connection with a purchase through XXXX XXXX On XX/XX/year>, I applied for and was approved for a store credit card through Synchrony Bank specifically to complete a purchase totaling {$1700.00}. This total included tire cost ( {$370.00} 4 = {$1400.00} ), installation ( {$110.00} ), shipping ( {$130.00} ), FET tax ( {$5.00} ), and a discount of {$74.00}. On XX/XX/year>, I attempted to complete the purchase immediately after approval. During checkout, the transaction repeatedly failed due to a system error. XXXX XXXX later confirmed in writing that this was a known issue between their system and the Synchrony financing platform. Between XX/XX/year> and approximately XX/XX/year>, I made multiple attempts to complete the purchase and communicated with XXXX XXXX customer service. I was informed the issue was being worked on and would be resolved. I relied on these representations and did not pursue purchasing the tires elsewhere. During this time : - A hard inquiry was placed on my credit report by Synchrony Bank - I was approved for a credit limit of {$1800.00} - I was unable to use the credit account for its intended purpose due to the system failure By the time the issue was resolved, the promotional pricing had expired. The same purchase is now priced above {$2100.00}, and I am unable to complete the transaction within my approved credit limit. This situation resulted in financial harm, loss of purchasing opportunity, and negative credit impact. The financing product I was approved for could not be used due to a known integration failure between the merchant and Synchrony. I have documentation including emails and screenshots confirming the original pricing, the system errors, and the merchants acknowledgment of the issue. I am seeking a fair outcome that reflects the fact that I acted in good faith and was unable to use the credit product due to circumstances outside of my control. 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 explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: PA

Complaint narrative:
I need my account restrictions reset from Cash app I still have {$910.00} in my account and they are not letting me get my money. Please contact XXXX XXXX XXXX

Company response to consumer: Closed with explanation