vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
I am disputing a collection account that your agency has reported on my credit file without providing me any advance notice or communication. This is my first awareness of this alleged debt, and I have substantial questions regarding its validity and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including documentation of the original creditor, itemization of the amount claimed, and proof establishing my legal responsibility for this debt. Until you furnish proper validation, all collection activities and credit reporting related to this account must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing a collection account from your agency that has appeared on my credit report without any prior notice or communication to me. This is my first awareness of this alleged debt, and I have significant concerns about its accuracy and whether it legitimately belongs to me. Under the Fair Debt Collection Practices Act, I am legally entitled to receive complete verification of any debt your agency claims I owe. I am exercising this statutory right and demanding that you provide comprehensive validation, including the original creditor 's information, a detailed itemization of the amount claimed, and documented proof establishing my legal responsibility for this debt. All collection activities and credit reporting must cease immediately until proper validation is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Capio Partners, LLC
State: SC

Complaint narrative:
Item was removed from my credit report and now is back I had heath insurance and went to the hospital and found out I had the XXXX  and stayed 3 days now is 2 different collections starting I owe XXXX $

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
am disputing multiple transactions related to a vehicle purchased from Mi XXXX XXXX XXXX XXXX MEI Auto Finance. 

Transactions in question : {$600.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$57.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$320.00} XX/XX/XXXX Actions taken : I made all payments as required, and requested written confirmation from the dealership regarding whether the repossession was related to contract funding or an unwind, suspension of repossession activity, and clarification of charges. 
I provided bank statements and confirmations from XXXX Bank and XXXX XXXX showing that no chargebacks were issued. 
Despite this, the dealership disabled and repossessed the vehicle, which was sold in an unsafe condition ( non-functional brakes ), preventing its use. 
I was harassed and intimidated by an individual in a white XXXX believed to be associated with the dealership, and I reported this incident to law enforcement. 
I attempted to retrieve my personal property and resolve the issue, but the dealership did not provide any written response or plan. 

Outcome/ Issue : The vehicle was repossessed without justification, even though payments were valid and no chargebacks occurred. 
I did not receive the services or benefit associated with the payments made. 
I am seeking reimbursement of all disputed amounts and resolution of this wrongful repossession.

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 2026-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Hello I would like to file a complaint for mismanagement of escrow between Mr. Cooper my mortgage company and XXXX insurance for my flood policy. In XX/XX/XXXX before the XXXX hurricanes Mr. Cooper did not make my flood payment on time. I was paying {$750.00} a year XXXX drop me had communications with emails and phone calls with both Mr. Cooper sent me a written letter in the mail stating XXXX XXXX strive for excellence and everything was OK. There would be no additional cost to me. XXXX year later, XX/XX/XXXX they sent me a letter saying I didnt have flood insurance and if I didnt provide it, they would purchase it for me as required by my loan multiple phone calls and emails to both again and they purchased a flood policy for me and XXXX from XXXX XXXX XXXX have them explain it to you. Then Mr. Cooper said I had a lapse and coverage and if I only wanted my monthly payment equip {$100.00} to give them {$5000.00} for escrow or spread it at over 12 months. I filed more complaints with them the response was always the same. You had a lapse in coverage. 
And a last year, my monthly payment went from XXXX a month to XXXX XX/XX/XXXX it went down to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
I was defrauded through impersonation of Robinhood support, leading to unauthorized crypto transfers from my Robinhood Wallet. The scam relied on Robinhood branding and realistic workflows. No real-time warning or intervention occurred. Robinhood has declined responsibility without addressing impersonation or consumer protection failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cordoba Legal Group, PLLC.
State: NY

Complaint narrative:
I enrolled in a debt settlement program with Cordoba Group and paid approximately {$8700.00} over about 16 months. 

Out of XXXX accounts enrolled, the company only settled XXXX small accounts and paid around {$3200.00} toward my debts. The rest of my money, over {$5000.00}, was taken in company fees. 

Most of my debts remain unresolved, my credit was severely damaged, and I was not properly informed that most of my payments would go toward company fees instead of paying my creditors. 

Additionally, I requested cancellation of my program on Friday, but the company delayed processing the cancellation and charged me another monthly fee before closing the account. A representative admitted the cancellation was not processed immediately. 

I am requesting a full investigation and refund of unfair or excessive fees taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
We are writing in connection with the purchase of our new home and the financing currently in process. During the course of underwriting, a debt reported by Truist Bank was identified that does not belong to us. 

Upon discovering this issue, we immediately took action to investigate the matter. An investigation report has been obtained, and a formal claim and dispute have been filed with Truist Bank to address and resolve this inaccurate reporting. We are actively working with the bank to clear this debt as quickly as possible. 

This account was unknown to us prior to the financing process, and we have no responsibility for the reported obligation. We are committed to resolving the matter promptly so that we may proceed to closing without delay. 

Please let us know if any additional documentation or information is needed while this dispute is under review.

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 2026-02-06 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 2026-02-06 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:
Despite being ordered by the XXXX  cash app continues to denied disputes, intimidate the consumer, and lying to the consumer.Yes it does reflect cash app today because you are still violating consumer laws after the order so I took upon myself to email the whistleblower of the cfpb to give them some examples of the violations that still exist and have not been fix. How cash app is threatening consumers if they file complaints with the cfpb cash app will sue the consumer for breach of contract now thats a pretty bold move dont you think? Allowing debit cards on accounts that dont match the account holders name i know for a fact that mentioned in the order. I have proof screebshots and emails from your legal response team. Lying about abiration just so the consumer wont file for abiration now this is the greatest XXXX of all a rep telling a consumer cash app doesn't have a physical address so you cant send that request for abritation like the terms and conditions require you do maybe it was the one where XXXX reps told a consumer leave that unrecognized debit card on your account I know for a fact no one can do anything your account was closed XXXX minutes later XXXX was missing and the funniest thing was cash app denied the dispute when cash app was order to have secruity measures in place to prevent this from happening. Yes all these violations were after the cfpb order cash app back in XXXX of last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX, TransUnion received your dispute submission on XX/XX/year> and should resolve it within 30 days.

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 2026-02-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: Ingo Money, Inc.
State: OK

Complaint narrative:
I am submitting this complaint to report improper handling of a mobile check deposit by XXXX XXXX, acting as a service provider for PayPal, which resulted in financial harm and unnecessary delay in access to my funds. 

On XX/XX/year>, I attempted to deposit a check issued by the XXXX XXXX XXXX using PayPals mobile check deposit feature administered by XXXX XXXX. The deposit was rejected for reasons that were inaccurate, including claims that the check was not endorsed, that the name on the check did not match my account name, and that an image of a voided check was not provided. At the time of rejection, the check was properly endorsed, the name on the check is my full legal name and matches my PayPal account, and I was actively in the process of capturing the requested image of the voided check. 

The rejection notice further stated that I was prohibited from resubmitting the check, eliminating any opportunity to correct or clarify the alleged issues. 

Notably, the day prior to this incident, I successfully deposited a check issued through the District Attorneys Office for my regular monthly restitution using the same PayPal/XXXX process without issue. This inconsistency raises concerns regarding the accuracy of the rejection determination.

This check had already been delayed for approximately one month due to postal service issues. As a direct result of the rejection and XXXX instructions to void the check, I was required to deposit it with another financial institution, which imposed a four-day hold specifically due to the void markings applied per Ingos guidance. 

At the time of rejection, no after-hours customer service was available by phone or chat to provide assistance or clarification, further compounding the harm. 

I believe this conduct reflects a failure to exercise ordinary care, resulted in avoidable consumer harm, and involved inaccurate or misleading representations regarding the reasons for rejection. 

I respectfully request review of this matter and take appropriate corrective action. I have copies of email correspondence with the District Attorneys office regarding this check and the notice received by XXXX. I was not able to capture screenshots of each step in the check cashing process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: OK

Complaint narrative:
I am writing to file a formal complaint regarding XXXX handling of my account both for the gross misrepresentation of staking/unstaking timelines and their behavior following my report of a cryptocurrency scam. 

I purchased XXXX in XXXX and immediate staked it. The staking timeline stated it would take approximately XXXX XXXXays. I requested an unstaking of a portion of my ETH on XX/XX/XXXX with an estimate of XX/XX/XXXX. The official timeline in XXXX shows the release was done on XX/XX/XXXX which was nearly double the estimate and did NOT reflect the availability to liquidate my shares in my account for many days after that. This resulted in a significant loss which they claimed was network driven. Ethically, I just need them to provide accurate estimates. 

Then the main and ongoing issue is I was the victim of a pig butchering scam and proactively reported the associated wallet addresses to XXXX in an effort to prevent further consumer harm. I did not allege that XXXX was responsible for the scam, nor did I request any restriction on my own account. 

In response, XXXX locked my account for approximately XXXX week allowing NO access. After restoring access, I was informed that XXXX bore no responsibilitywhich I fully understood at the time. However, XXXX has since imposed ongoing restrictions that prevent me from transferring my own cryptocurrency assets, including transfers to my personal accounts held at XXXX AND the real kicker is they have NOT halted any assets to be transferred to the holders of the pig butchering scam for other clients. There is no safeguard for others... but I'm locked down. 

These restrictions were placed on XXXX despite : - No allegation of wrongdoing on my part - No regulatory or legal explanation provided - My proactive, good-faith effort to protect other consumers Yet no restrictions were placed on the bad actors whole stole nearly {$150000.00} from me. 

Currently, I am unable to access or move my own assets, while the reported wallet addresses remain outside my control. I believe this response is disproportionate, punitive, and counter to consumer protection principles. It effectively penalizes a victim for reporting fraud while allowing the bad actors to continue in their malicious behavior. 

I am requesting : XXXX. XXXX removal of transfer restrictions on my account XXXX. A clear written explanation for the restrictions imposed upon me XXXX. A review of XXXX policies regarding fraud reporting so that victims are not discouraged from coming forward and punished for good faith reports. 

I am submitting this complaint so that the issue may be formally reviewed and resolved, and to prevent similar treatment of other consumers in the future. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: GA

Complaint narrative:
I initiated a remittance through XXXX on XX/XX/year>, with an expected delivery date of XX/XX/year>. As of today, the funds have still not been delivered to my account. 
Despite multiple requests, I have not received any meaningful updates from XXXX. I have formally requested that the transaction be canceled and that my funds be refunded, but my messages via email and XXXX XXXX are no longer being acknowledged. 
Additionally, the delivery date within the application continues to shift without explanationoriginally listed as XX/XX/XXXX, then pushed to XX/XX/XXXX, and now showing XX/XX/XXXX. This lack of transparency and communication has caused significant concern, and I am seeking immediate clarification and resolution. 
Transaction # XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Media Collections, Inc
State: OK

Complaint narrative:
I am being harassed by debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) regarding an alleged debt of {$7200.00} from XXXX XXXX XXXX for a workers ' compensation audit " non-cooperative fee. '' I formally disputed this debt in writing on XX/XX/year>, and requested all communication be in writing. Despite this, the debt collector has violated the Fair Debt Collection Practices Act by : Continuing collection without providing verification - They have not provided any proof the debt is valid, yet continue collection efforts ( violation of 15 U.S.C. 1692g ( b ) ) Calling me after written cease demand - They called twice after receiving my dispute letter : XX/XX/year> at XXXX PM from ( XXXX ) XXXX - told me I " don't understand how uncooperative audits work '' XX/XX/year> at XXXX AM from ( XXXX ) XXXX - told me " it's clear I don't understand '' and demanded I call them back ( violation of 15 U.S.C. 1692c ( c ) ) Harassment - Repeatedly calling to argue with my dispute rather than providing required verification ( violation of 15 U.S.C. 1692d ) The underlying debt is also improper - the insurance company charged me {$7900.00} ( more than double my actual premium ) for being " non-cooperative '' with an audit I never received notification about. The audit letter was sent to an old address with no proof of delivery. 
I have sent a formal cease and desist letter but want to document these violations with your agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have banked with Bank of America since XXXX. This account was reopened last year using the same disbursement check I am having an issue with nowsame issuing company and same bankas was successfully deposited last year without incident. 

At the time of this deposit, the teller provided a receipt acknowledging CXX/XX/XXXXe XXXX funds of {$6400.00} available on XX/XX/XXXX and CXX/XX/XXXXe XXXX funds of {$8800.00} available on XX/XX/XXXX. No additional information or warning was given regarding any further hold. 

After the deposit, I spoke with another employee at a desk attempting to retrieve older bank statements from XXXX and earlier for use in an ongoing divorce case to prove income. I was told those records were no longer available in the system. I left the branch without further discussion. 

Subsequently, I discovered that the funds were still unavailable. When I contacted the bank, I was told a hold had been placed for security reasons. The Bank of America app then showed the full amount would not be available until XX/XX/XXXX, which contradicted the original receipt. I questioned this change given the familiarity of the check and my long-standing banking relationship, and was told there was nothing that could be done. 

I contacted the XXXX number and received the same response. I then attempted to call the local branch at least XXXX times with no answer. When I called using a different phone number, the call was answered. 

Today, I reached someone who identified herself as the manager. She stated there was nothing she could do and said she would transfer me to the front desk. Instead, I was redirected to the general Bank of America automated XXXX number. I then attempted to call the branch repeatedly for the next XXXXXX/XX/XXXX with no response. 

No written Regulation XXXX exception-hold notice explaining the reason for the extended hold or the revised availability date was provided at the time of deposit or by the next business day. 

I have an anxiety-related XXXX that significantly limits my ability to communicate under stress. Prolonged call avoidance and being repeatedly redirected has made it extremely difficult for me to advocate for myself or obtain clear information about my funds.

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 2026-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
Hunters XXXX {$5800.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$21000.00} Tab/Sunbit {$370.00} Portfolio Recovery {$620.00} All in which are 3rd party companies fraudulently accessing and publicizing my personal information and violating my rights due to the ( FCRA ).

Company response to consumer: Untimely response