vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: MA

Complaint narrative:
Hello, I am writing to formally express my concern and frustration regarding an unauthorized charge to my CashApp debit card and the way my dispute was handled. On XX/XX/year>, I attended an event at The XXXX ( XXXX XXXX ), where I purchased a drink for myself at the bar. I paid {$22.00} with my CashApp debit card and received a receipt, which I signed and returned to the bartender. A few days later, while reviewing my debit card transactions, I discovered that the original charge was not processed until XXXX on XX/XX/year>, for the correct amount of {$22.00}. However, to my shock, I noticed that just a few hours later, at XXXX on the same day, the merchant upgraded the charge to {$72.00}. I immediately contacted the merchant on XX/XX/XXXX to resolve the matter and was assured they would look into it and follow up with me. In addition to contacting the merchant, I opened a dispute with CashApp. Initially, I was relieved when the {$50.00} in dispute was refunded while an investigation took place. Unfortunately, on XX/XX/year>, I received notice that my dispute was denied based on documentation provided by the merchant, and that the {$50.00} would be reversed and deducted from my account. When I requested to see the documentation the merchant provided, I was told it could not be shared with me, but that the denial would be honored and the money would be taken from my account. I am extremely disappointed by how irresponsibly I have been treated as an account and cardholder. As a financial institution handling the publics money, I believe CashApp should be held to a much higher standard. The lack of transparency and refusal to provide documentation is not only deceitful but reflects a terrible business practice. I consider this situation to be theft and robbery, and I am asking for someone to hold CashApp accountable for their actions. I would like a full refund of the disputed {$50.00}. I expect a prompt and thorough response to this serious matter. Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Inaccurate charge off balance discharged {$1700.00} and fees were added to the checking charge off of {$360.00} and then gave a balance of approximately {$2400.00} in XX/XX/year> 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 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HILLTOP HOLDINGS, INC
State: SC

Complaint narrative:
On XXXX XXXX, XXXX transferred my mortgage to XXXX XXXX. On XXXX XXXX, I sent XXXX {$450000.00} for XXXX. That included the regular {$4000.00} payment and an additional {$450000.00} for principal curtailment. On XXXX XXXX, I sent XXXX XXXX$4000.00} for XXXX, with the understanding that XXXX would forward that payment to XXXX XXXX. So, I sent XXXX a total of {$460000.00}. I can not understand XXXX 's " loan activity '' document attached, but XXXX, in their " response letter '', states that XXXX sent them only {$450000.00}. {$4000.00} of the money I paid to XXXX is now missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have received Synchrony Banks written confirmation that the PayPal Credit account was closed and blocked for security purposes. This confirms that the account activity was unauthorized and that my identity verification is complete. PayPal must now reset my PayPal account login without blocking or limits. I have already provided all required identity documents through the PayPal login portal and again through the CFPB upload. PayPal has all documents necessary to restore my access. PayPal already has all required identity documents. I submitted them : through the PayPal login portal and again through the CFPB upload Despite having all necessary documentation, PayPal has not restored my account access or corrected my PayPal Balance. I am requesting the following required actions : 1. Reset my PayPal login so I can access my account. 2. Remove the systemlevel limitation that prevents password reset. 3. Restore access without requesting additional documents, as identity verification has already been completed twice. 4. Correct my PayPal Balance to the proper amount. 5. Provide full statements by email until login access is restored. PayPal has not resolved these issues despite receiving all required verification. Synchrony Bank has confirmed the account was compromised and closed for security reasons. PayPal must now restore my access and correct my balances.

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 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: CA

Complaint narrative:
IQ Data Inc called me at XXXX XXXX. They asked me questions about my employment and banking situation and offered full pay for delete. My debt is tied with another person and they pressed me about why I was not going to contact them while on the phone. They stated if I did not, they would send it straight to collections. They began to ask personal questions and I asked to be switched to another person. This person was supposedly their higher up. They were rude, telling me to stop talking while they're talking, yelling at me on the phone, demanding to know why I wanted to know their business hours, shamed me for being in the position I was currently in and being cagey about providing any information like an email or mailing address for them. They were speaking down to me as if I was XXXX and were dismissive of my questions, jumping to conclusions and in so many ways insinuating I was irresponsible and childish. They refused to give me information, threatend to send this to collections to show up on my credit report if I wasnt " nice '' and hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: WA

Complaint narrative:
DatesXXXX Amount : XXXX Complaint against : Summit Account Resolution I am filing this complaint regarding an incorrect debt collection related to a rental car damage claim from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX The alleged damage existed before I rented the vehicle. I notified the rental company at the time and provided evidence showing that the damage occurred prior to my possession of the vehicle. Despite providing documentation, the claim was improperly sent to collections through Summit Account Resolution and reported to the credit bureaus. I dispute this debt entirely because I did not cause the damage. I am requesting that Summit Account Resolution and XXXX provide full validation of this debt, including the pre-rental inspection report, photographs of the vehicle before and after my rental, and itemized repair invoices. If they can not provide proof that I caused the damage, the collection account should be immediately withdrawn and any credit reporting removed. This incorrect reporting has the potential to damage my credit and is causing unnecessary financial harm. I request that the collection be removed and that Summit Account Resolution cease collection activity on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
This complaint concerns Comenity Bank / Bread Financials handling of a documented identity-theft fraud claim involving my XXXX XXXX XXXX account . The documented unauthorized transactions total {$82000.00}, as detailed in the attached transaction summary. I first reported unauthorized transactions and filed a fraud dispute with Comenity on XX/XX/XXXX. Shortly after the dispute was filed, Comenity issued a temporary credit, creating the reasonable expectation that the fraud claim was being investigated in good faith. However, the bank later reversed that credit, reinstated the disputed balance, and resumed billing and collection activity without providing a meaningful explanation or conducting a reasonable reinvestigation. On XX/XX/XXXX, Comenity issued a denial letter stating it found no basis to support the fraud claim and would continue billing the account. After the initial dispute, the fraud was formally reported to the XXXX XXXX XXXX XXXX and a police report was issued. Due to the scale of the fraud, the matter was later incorporated into a federal investigation and I was formally recognized as a victim in FBI XXXX XXXX. XXXX. In XX/XX/XXXX I resubmitted a full fraud investigation package to Comenity, including the police report, FBI victim verification documentation, and a detailed summary of unauthorized transactions identifying the perpetrator. Under the Fair Credit Reporting Act identity-theft provisions ( 15 U.S.C. 1681c-2 ; Regulation V, 12 CFR 1022.41 ), creditors receiving an identity-theft report are required to block fraudulent debts and cease collection or reporting activity. Despite receiving this documentation, Comenity again denied the claim in XX/XX/XXXX and continued billing statements demanding payment. After prolonged escalation, Comenity later issued an unexplained credit adjustment that reduced the account balance to XXXX but did not provide a full accounting or address the mishandling of the fraud investigation. Supporting documentation and a detailed timeline are attached. This complaint requests regulatory review of compliance with identity-theft handling obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: Morgan & Associates, P.C.
State: FL

Complaint narrative:
Received several calls from this company Morgan and associates and said theres a pending legal complaint against me but did not provide any info on the debt or anything else about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: GA

Complaint narrative:
I received an email from Discover saying that I owe XXXX by XX/XX/year> to a card that was stolen and the account was terminated and XXXX out on XX/XX/year> I received and letter in the mail calling it was XXXX and closed. Discover says the payment was returned with it was not becoming once the card was stolen i closed everything attempted to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding a delayed XXXX insurance refund owed to me by XXXX XXXX XXXX following a refinance of my vehicle loan. Santander informed me that a refund check for unused XXXX coverage was issued approximately three to four weeks ago and that I should receive it within two weeks. As of today, the check has not been received. After contacting Santander again to resolve the issue, The first representative Emploiyee ID- XXXX immidiately told me the issue was not with them and i had to call the XXXX company after i told him multiple times that the original contact about the refund was a letter from them and i was told to call Santander directly. I asked for a supervisor, he did not escalate me and kept telling me different information, finally telling me that the payment was pending after i told him that i was already told that the check was already issued and mailed. I requested a supervisor again and finally for transfered. The supervisor confirmed the check was issued and mailed and read me the address and it was not the correct address which was never verfied with me in the first place. I requested that the original check be voided and a replacement issued via expedited shipping due to the delay. A representative offered to send the check via XXXX and requested my personal XXXX account number. However, they did not disclose that providing my XXXX account would result in the shipping charges being billed directly to me. Upon researching this request independently, I discovered that providing my XXXX account would allow Santander to bill me for the expedited shipping. I believe this lack of disclosure is misleading, particularly given that the delay in receiving the refund was not caused by me. After I declined to provide my XXXX account number, Santander then stated they could only resend the check via XXXX with a five-business-day delivery timeframe. As XXXX was only available via XXXX if I provided my XXXX account. I asked why they didn't tell me about the fees being charged and she said they were not charing me ( as in Santander ) to avoid the question of the XXXX charges. I am requesting that Santander promptly void the original check, reissue the refund owed to me, and provide a tracking number for shipment without attempting to pass shipping costs onto the consumer due to their own delay. I expect to have my funds before the end of this week so no later than XX/XX/year> otherise I will be filling a report with the Attorney General office as well as XXXX. My call with them was done XX/XX/year> ended at XXXX CST with Supervisor employee number- XXXX case number XXXX. I would also like confirmation of the original check number, the date it was allegedly mailed, and documentation that the original check has been voided to prevent potential fraud or duplicate payment issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: FL

Complaint narrative:
This is my XXXX time reporting this issue, as it remains unresolved. On [ XX/XX/2025 ], I was charged across XXXX different credit cards. This report is specifically for XXXX of those XXXX cards. The merchant, " XXXX XXXX, '' lured me into their store under false pretenses. They explicitly told me that I would not be charged any more money, which made me feel safe enough XXXX go, especially since I had already paid over {$10000.00} previously. I believed I was being called in regarding the services I had already paid for. However, XXXX I arrived, they used high-pressure and deceptive tactics XXXX exploit my fear. They showed me a photo of a gold object on a phone, claiming it was worth {$21000.00}, XXXX insisted it was necessary XXXX resolve a " curse. '' They coerced me into using multiple cards on the same day XXXX cover these new, fraudulent costs. I am telling the truththis merchant lured me in with lies XXXX pressured me into a transaction I did not intend XXXX make. I am disputing this charge because it was obtained through predatory XXXX fraudulent practices. I want XXXX ensure that this unethical business is held accountable so that others are not victimized in the same way.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting a complaint regarding {$20000.00} in unauthorized debit card transactions on my Wells Fargo account. These transactions were remote ( online / card-not-present ) XXXX were never authorized by me. I did not provide my card information, PIN, or any access XXXX anyone for these transactions. Wells Fargo denied my fraud claim XXXX stated that the transactions were completed using my PIN. However, for remote transactions, PIN use alone does not constitute authorization. Under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX, the bank is required XXXX conduct a reasonable investigation and determine whether an electronic fund transfer was actually authorized by the account holder.

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 2026-03-10 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: GA

Complaint narrative:
XXXX XXXX XXXX LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file XXXX is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation