vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
My federal tax refund was deposited into my Cash App account 11,400. Shortly after the deposit, my account was compromised and multiple unauthorized purchases were made that drained most of my balance from XXXX am to XXXX am all from a XXXX account. I did not authorize these transactions. Some of the fraudulent purchases were shipped to an address in Florida and some items were shipped to my home address in Georgia. When I saw the funds being taken i reached out to XXXX to stop the packages to be sent and they said it was out of there control. I also immediately reported the unauthorized transactions to Cash App and began returning the items that were delivered to my address. Cash App conducted a dispute investigation but only refunded part of the stolen funds. They did not reimburse the full amount of the unauthorized transactions. During this process Cash App also closed my account while the dispute was still unresolved. I believe my account was hacked or accessed without my permission. I did not make or authorize these purchases. I am requesting a full investigation and reimbursement of the remaining unauthorized transactions under the Electronic Fund Transfer Act and Regulation E. I am also requesting that Cash App review the login records, device information, IP address activity, and shipping information associated with these purchases, as these records should show the transactions were not made by me. My goal is to recover the remaining funds that were taken from my account and ensure the fraudulent transactions are properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company is currently reporting two separate debts on my credit report, both of which contain inaccurate information. The first debt was resolved through the court system in XX/XX/year> in my favor. Despite the courts ruling, the company continues to report this account as an active debt on my credit report. Because the matter was resolved by the courts, this account should no longer be reported as an outstanding debt. Continuing to report this account is inaccurate and damaging to my credit. The second debt being reported contains an incorrect balance that includes amounts I do not owe. The total amount being reported does not reflect the true balance, and I have not been provided with proper documentation showing how this balance was calculated. As a result, this company is reporting false and misleading information, which is negatively impacting my credit profile. I am requesting that the company immediately correct or remove the inaccurate information and provide documentation validating any amount they claim is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Block, Inc.
State: NY

Complaint narrative:
In a prior support communication, Cash App confirmed that a release agreement from the lienholder had been submitted on XX/XX/year> and provided the following confirmation reference number : XXXX The support representative indicated that Cash App had received the release and that the hold would be removed once the documentation was processed. However, a later email states that Cash App has not received a release agreement from the lienholder. Because these statements conflict, please confirm the following : Whether the XX/XX/year> release referenced above exists in Cash Apps records Which department received or reviewed the release associated with the confirmation reference number What specific documentation, if any, is still required to remove the hold on my account For reference, this matter is documented under CFPB Complaint ID : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was accessed without authorization and two transfers totaling {$8800.00} were initiated to an unknown recipient. I did not authorize these transactions. I reported the fraud immediately after discovering it and worked with my bank to stop the transfers. Despite being notified of the fraud, PayPal continues to claim I owe a negative balance of {$4900.00} and has refused to correct their records. I believe this determination violates consumer protections governing unauthorized electronic transfers. I am requesting that PayPal remove the negative balance and confirm that I am not liable for transactions initiated through unauthorized access to my account. I have attached a formal written dispute outlining the timeline and details. My contact info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NJ

Complaint narrative:
I attended XXXX XXXX approximately between XXXX and XXXX ( dates are approximate ). During and after this period I obtained federal student loans that are currently serviced by MOHELA. I have been employed in public service positions for many years, including service in law enforcement and government, which I believe qualifies me for the Public Service Loan Forgiveness ( PSLF ) program. Over the years I have submitted multiple PSLF employment certification forms and documentation verifying my qualifying employment. Despite submitting these forms on numerous occasions, my PSLF qualifying payment count does not appear to be updated correctly, and the loan balance has not decreased as expected. Based on my understanding of the program and the amount of time I have spent in qualifying public service, I believe many of my payments should count toward forgiveness. I have attempted to ensure that my documentation was submitted properly, but there has been little to no adjustment to my qualifying payment totals, and I have not received a clear explanation as to why my qualifying payments are not being applied or why my balance has not changed. As a result, I am requesting : A full audit and review of my PSLF qualifying payment count Confirmation that all previously submitted employment certifications and qualifying payments have been properly evaluated A written explanation of any payments that were deemed ineligible Given my long history of public service and the multiple PSLF submissions I have made, I am concerned that my account may have been improperly processed or mismanaged. I am requesting that this matter be reviewed and corrected as appropriate.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 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: CT

Complaint narrative:
I called Cash App that morning, I let them know money was stolen from my account through XXXX. I told him I hadnt used XXXX in close to three years so when it came up, I knew exactly what was going on. I also called XXXX and they said there was no transactions made on my account and I said I realize that I think it went to someone elses and they didnt want to get involved either. They said because its not in my account its not their problem when I brought it back to Cash app they said the same thing first off. They were trying to tell me it wasnt their problem. Then when I threatened to have this investigation done, they started to care a little bit but theyre telling me its gon na be 30 to 45 days before I even see a credit of my money put back in and thats not my problem. Its theirs I want my {$100.00} back so I can pay bills thats what it was put on there for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: TX

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 :

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: SC

Complaint narrative:
I am filing a complaint against My Quick Wallet regarding an unauthorized electronic withdrawal from my bank account. On XX/XX/year>, I formally revoked authorization for My Quick Wallet to debit my bank account through Electronic Funds Transfer ( EFT ). After submitting my revocation, the company removed my bank account information from my profile. However, despite the revocation and removal of my banking details, My Quick Wallet processed a debit from my bank account in the amount of {$230.00} on XX/XX/year>. Under the Electronic Fund Transfer Act, once authorization for recurring electronic payments has been revoked, any further withdrawals are unauthorized. I have attempted to contact the company during their listed business hours but repeatedly receive an automated message stating that I am calling outside of business hours, making it impossible to speak with a representative.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
In XX/XX/XXXX, I obtained a high-interest loan from OppLoans that was originally scheduled to mature on XX/XX/XXXX. In XX/XX/XXXX, I requested and was granted a one-time payment extension, with the understanding that the missed payment would simply be added to the end of the loan term. Since that time, I have made all required payments on time and remain current on the account. However, when I contacted OppLoans this week to ask why my remaining balance was still {$1600.00} despite the listed maturity date of XX/XX/XXXX, I was informed by a representative that the entire remaining balance consists of interest related to the single extended payment from XX/XX/XXXX. This explanation is concerning because I was originally told that the missed payment would be moved to the end of the loan. Instead, OppLoans appears to have charged interest on that payment for nearly two years without ever providing me with an option to repay the extended amount directly. Additionally, OppLoans has refused to provide a clear maturity date for the loan. I was told that the loan matures when the balance reaches XXXX, which is highly unusual, as lenders should always be able to provide a specific loan maturity date. I am also concerned that one extended payment has allegedly resulted in interest charges that are approximately seven times the amount of the original payment. Despite requesting clarification, OppLoans has refused to provide documentation or a detailed explanation showing how this amount was calculated. Based on these issues, I believe OppLoans may be engaging in dishonest and potentially predatory lending practices designed to keep consumers locked into high-interest, bi-weekly payment cycles and to extend the life of the loan beyond what was originally represented. I am requesting a full explanation of the interest calculations, documentation of the loan terms, and clarification of the loans actual maturity date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I received a written notice from XXXX XXXX XXXX XXXX XXXX dated XX/XX/year> confirming that my payment obligations for the referenced account have been fulfilled and that there is no remaining balance due. The letter also states that the company will request the credit bureaus to delete their tradeline after the final payment has posted. Despite the account being resolved, the collection account is still appearing on my credit report. Since the debt has been satisfied and the company has confirmed there is no balance owed, the continued reporting of this account is inaccurate and negatively impacts my credit. I am requesting that XXXX XXXX XXXX remove the collection tradeline from all credit reporting agencies immediately to reflect that the account has been fully resolved. I have documentation confirming the account has been paid in full and can provide it if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Ive had this Citibank checking account for over a year. My account is in good standing. Ive never had anything returned. Never had anything a problem with anything and Im not overdrawn but they decided to hold a refund deposit via ACH that posted to my account on XX/XX/XXXX at XXXX in the amount of {$520.00} from XXXX XXXX and that was refund and they still have not allowed the funds to post to my account its been three days. They also are holding a {$49.00} return ACH payment from XXXX. Its a total of {$570.00} and they are not allowed to just randomly hold stuff those head corresponding charges theres no threat of fraud or anything and I have never had any problems with any deposits ever! And I tried to contact the bank and they wouldnt tell me other than theyre allowed to do it. Theyre allowed to hold it for 1 to 3 days. No, theyre not theyre not. They have to have a valid reason and otherwise it needs to be posted the next day and Im sick of this. My account is low and they cant just hold up money and not let me have access to it. Its ridiculous in my my account is in good standing Ive never had any problems with anything. I shouldnt have to have things to be held in. This all of a sudden started last week after a year of having my account perfect.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
Im filing a complaint due to a solar project and subsequent loan that has remained active even though the project was canceled over 6 months ago. In XXXX of 2025, I spoke to a door to door solar salesman from XXXX XXXX who was soliciting a solar project for my home. I expressed interest and he arranged the financing through Mosaic. Soon after, in XXXX, I canceled the project, and XXXX XXXX has acknowledged that the solar project itself was canceled. However, the loan associated with the solar project has never been properly canceled. There has been a sore lack of communication between XXXX XXXX and the lender. In XXXX of 2025, Solar Mosaic underwent bankruptcy and the company has not been responsive to my requests for cancelation. Solar Mosaic, which has been wrapped into Solar Servicing LLC, continues to treat the loan as active and continues to send me automated correspondence regarding the account. For nearly a year now, Ive repeatedly contacted XXXX XXXX requesting that they complete the necessary steps with the lender to unwind the loan tied to the canceled project. Despite confirming with me that the project was canceled, the loan has remained active. I have also called and emailed Mosaic Solar as well as Solar Servicing LLC numerous times. I have received no response from them via email, and agents over the phone simply point the finger at XXXX XXXX and say the company has not requested that the loan be canceled. Any time I attempt to reach XXXX XXXX, their support team has been wholly unhelpful in resolving this issue. This situation is causing ongoing harm and burden, including repeated lender contact and the risk of financial / credit consequences related to a loan for a project that was canceled and will not move forward. At this point, Im requesting assistance because the companies involved have not resolved the issue despite numerous attempts on my end to address it directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Company : Rocket Mortgage, formerly serviced by XXXX XXXX Product : Mortgage Issue : Loan Modification/Loss mitigation My mortgage servicer improperly canceled my approved trial payment plan despite my compliance with its terms. I was approved in writing in XX/XX/XXXX for a trial payment plan scheduled from XXXX through XX/XX/XXXX. I made the required XXXX and XXXX payments, and the XXXX payment is due by XX/XX/XXXXXXXX XXXX The plan was canceled due to a claimed missing Affordability Attestation form, but a representative later confirmed that the form is present in my file. Despite multiple calls and an escalation request, the issue remains unresolved. I am requesting that the servicer investigate this servicing error, reinstate my trial payment plan, and properly apply my XXXX, XXXX, and upcoming XXXX payments. I am concerned that the repeated cancellation of my trial payment plan, despite my compliance with the required documentation and payments, may constitute a mortgage servicing error and may interfere with my ability to complete the approved loan modification process if the issue is not resolved and my payments are not applied correctly. I am requesting written confirmation that my trial payment plan will be reinstated and that my payments will be properly credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: TX

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am filing this complaint regarding a persistent failure by Barclays to process my application documents, which has resulted in an unresolved application and significant mental stress. I submitted my application ( application XXXX ) in XX/XX/year>. On XX/XX/XXXX, I received a request for additional documents, which I immediately sent via postal mail. Upon calling to follow up, I was told the documents were " unclear. '' To resolve this quickly, I sent two separate faxes on XX/XX/XXXX and XX/XX/XXXX. Despite these efforts, Barclays continues to claim the information is illegible. The bank forces customers into a " paperless '' online application but refuses to accept follow-up documents via secure email or upload, insisting on outdated methods like fax and post. This is the second time I have faced this exact issue with Barclays ; a previous application was abandoned by the bank after they requested documents that I provided but they failed to process. I have made every reasonable effort to comply, yet the bank 's internal processing errors are preventing my application from moving forward.

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