vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: AZ

Complaint narrative:
Im filing a complaint regarding my mortgage serviced by loanDepot. My property was remapped out of a XXXX flood zone in XXXX and no longer requires flood insurance. In XXXX, I received a letter from city of XXXX informing me of the remapping. I sent a copy to loanDepot but was informed the letter wouldnt work BUT they would keep an eye on the flood map update and remove the flood insurance requirement. They did not advise of any XXXX requirements. Fast forward to XX/XX/XXXX, after all these years of paying for flood insurance, I started shopping for quotes from my insurance agent, I noticed my flood zone designation was showing as low risk- no longer high risk and no longer a requirement for flood insurance. I called my lender and a loanDepot representative instructed me not to renew my flood insurance policy and to submit the XXXX once it was completed by XXXX. I relied on this guidance. Despite this, loanDepot has now force-placed flood insurance, claiming I failed to maintain coverage. This is contradictory and has caused financial harm. I am currently awaiting a XXXX XXXX determination confirming the property is not in a flood zone. I am requesting : Immediate removal of lender-placed insurance Reversal/refund of any related charges Written confirmation that flood insurance is no longer required Please investigate this as a formal Notice of Error under federal mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate Public Service Loan Forgiveness ( PSLF ) qualifying payment counts and conflicting information provided by my loan servicer, XXXX, and Federal Student Aid. My previous complaints have not been answered. My account is missing qualifying payment counts for the period of XX/XX/XXXX through XX/XX/XXXX. This error has directly prevented my loans from receiving full forgiveness under the XXXX program. Federal Student Aid has stated that they relied on payment history provided by XXXX. However, XXXX was not my loan servicer during the time period in question and appears to have submitted incomplete or inaccurate records. As a result, there is a clear discrepancy in my account : some loans originating in the same timeframe have received forgiveness, while others have not, despite identical repayment and employment conditions. Additionally, in XXXX 2020, I was advised by Federal Student Aid to consolidate my loans after being previously placed on an incorrect repayment plan. At that time, I was explicitly told that consolidating would not cause me to lose qualifying PSLF payment credit. Despite this assurance, my qualifying payment counts were not properly preserved and appear to have been reduced or lost. I have already submitted a PSLF Reconsideration Request ( Case # XXXX ), which remains unprocessed. Both XXXX and Federal Student Aid have failed to resolve the issue and continue to direct responsibility to one another without correcting the error. 1.I relied on guidance from Federal Student Aid when consolidating my loans in 2020 and was explicitly advised that I would not lose qualifying payment credit. XXXX.Under 20 U.S.C. 1087e ( m ), I am entitled to receive credit for all qualifying payments made toward XXXX 3.Failure to maintain accurate payment records and properly apply qualifying payments constitutes noncompliance with the Higher Education Act 4.UndeXXXX the XXXX Waiver and IDR account adjustment, past payments should be credited even where prior servicer errors or consolidation would have otherwise prevented qualification

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 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: PA

Complaint narrative:
Received a phone call from the same number 3 times. The person claimed to be with cashapp and when I logged into cashapp to verify there was a transaction for XXXX $ from my bank account to a XXXX XXXX bank. When I reported to cashapp they told me I needed to call my bank. I called my bank ( XXXX XXXX bank ) and they did a dispute to reclaim my funds. I then called the state police in PA and filed a report. Called cashapp back who told me they cant guarantee my money to be returned from this fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened a secured credit card with TD Bank in 2020 and provided a {$1000.00} deposit. My account was later converted to unsecured, but I never received my deposit back. TD Bank informed me that the funds were released on XXXX XXXX,XX/XX/XXXX, but has not provided any proof, including account details, transaction/reference number, or confirmation that the funds were accessible to me. I do not recognize receiving or using these funds. I contacted unclaimed property, and they have no record of these funds. After multiple attempts, a case was opened on XX/XX/XXXX ( case # XXXX ), and I was told I would receive a response within XXXX business days. After 7 days I was contacted once by the assigned agent ( XXXX ), but missed the call. Since then, it has been over a week and despite multiple follow-ups and voicemails, I have not received any response. I am requesting full documentation showing what happened to my {$1000.00} deposit, or a full refund if the funds can not be properly accounted for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NM

Complaint narrative:
In XXXX 2026, I sent a written request for validation of this debt. The company received my request on XXXX XXXX, 2026. As of today, more than 60 days have passed since my request was received, and I have not received any response or validation. Despite my formal request, the company has failed to provide any evidence that I owe this debt, including a signed lease agreement, proof of account ownership, or documentation showing I am legally responsible for the balance. Additionally, I dispute the validity of this debt entirely. I never paid an administrative fee, never paid a deposit, was never assigned a unit, and never took possession or moved into the property. I did not receive the goods or services they are attempting to charge me for. The company is attempting to collect for multiple months of rent for a unit that I never occupied and was never assigned. This raises serious concerns regarding the accuracy and legitimacy of this account. Their failure to respond to my validation request, combined with the disputed nature of this account, indicates noncompliance with the Fair Debt Collection Practices Act. I am requesting that this account be immediately deleted from all credit reporting agencies and that all collection activity cease unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2026, I sent a formal written dispute under 15 U.S.C. 1692g to XXXX XXXX XXXX via XXXX XXXX Mail ( tracking # ______ ). They received it on [ date ]. I have never received any validation of the alleged debt. Despite my dispute, XXXX XXXX continues to report the tradeline to Experian and TransUnion as of XX/XX/year>2026 68 days later. This continued reporting violates 1692g ( b ) because reporting is collection activity ( XXXX v. XXXX XXXX XXXX ). They never noted the dispute on my credit reports, violating 1692e ( 8 ) ( XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX 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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management is attempting to collect a debt that is not mine and resulted from identity theft. I submitted disputes and an FTC Identity Theft Report to Midland and the credit bureaus, requesting validation and removal of the fraudulent account. Despite this, Midland failed to provide sufficient proof that I am responsible for the debt and continued collection efforts, including legal action. This conduct violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request immediate deletion of this account, cessation of all collection activities, and dismissal of any legal proceedings related to this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( XXXX ). 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App regarding their failure to release refunded funds that are rightfully mine. I made a purchase through XXXX for three items. Two of those items were refunded on XX/XX/XXXX and XX/XX/XXXX. According to XXXX customer support, once a refund is issued, it should take approximately XXXX business days for the funds to be returned to the original payment method. Despite this, the refunded amounts from XX/XX/XXXX and XXXX have not appeared in my Cash App account, either as available funds or as pending transactions. The third item was a custom-made outfit that the seller made incorrectly. The seller and I mutually agreed to a refund, which was processed today. At this point, I have received confirmation that I have been fully refunded by XXXX for all three items. The total amount that has been refunded to me is {$140.00}, and none of these funds have been credited back to my Cash App account. When I initially created a dispute with Cash App, I provided documentation and receipts showing that the first two refunds had already been issued by the merchant. Despite this clear evidence, Cash App denied my claim and stated that no wrongdoing had occurred. I have contacted Cash App support multiple times regarding this issue. Instead of resolving the problem, they have sent repeated and inconsistent responses stating that my dispute has been closed and can not be appealed, while also continuing to provide information about appealing. This has caused confusion and has not led to any resolution. Cash App is currently holding funds that have already been refunded by the merchant, and they are not providing a clear explanation or timeline for when I will receive my money. I am requesting that Cash App immediately investigate this issue and release the full refunded amount of {$140.00} back to my account without further delay. I expect to receive my full refund in a timely manner, along with a clear explanation for the delay in making these funds available. If this issue is not resolved promptly, I request that appropriate regulatory action be taken to ensure compliance and to prevent similar issues from affecting other consumers. This situation is causing financial inconvenience, and I am seeking prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am disputing a XXXX late payment reported by Goldman Sachs Bank USA XXXX Apple Card ) for XXXX 2025. Based on my account statements : XX/XX/year> statement minimum payment of {$67.00} due XX/XX/year> XX/XX/year> statement minimum payment of {$130.00} due XX/XX/year>, which included a past due amount of {$67.00} A payment was made on XXXX XXXX, 2025 during the billing cycle I acknowledge that a payment issue occurred earlier due to a reversed transaction. However, I made a payment within the same billing cycle and requested clarification on how the account was subsequently reported as 30 days late. I submitted a dispute to Goldman Sachs Bank USA. Despite my dispute, I did not receive a clear explanation of how the delinquency was calculated or verified. The exact date the account became 30 days past due The starting point used for delinquency aging How the reported late payment aligns with the billing cycle, due dates, and payment activity Providing statements alone does not explain how the delinquency was calculated or verified. I also disputed this information with the credit reporting agencies, and the account continues to be reported as verified without a clear explanation of how the delinquency was determined. I am requesting that Goldman Sachs Bank USA provide a clear and accurate explanation of the delinquency timeline or correct the reported late payment if it can not be fully substantiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I received the following email today, XXXX XXXX, 2026. IMPORTANT TAX RETURN DOCUMENT AVAILABLE FOR XXXX Surveys/Dscout/Payouts from XXXX XXXXPaypal XXXX XXXX XXXX ( XXXX hours ago ) to me Hello, XXXX XXXX PayPal Your Form XXXX for XXXX XXXX now available To comply with IRS regulations, we have issued a Form XXXX for tax year XXXX, which is now available in your PayPal account. The form summarizes the gross payments you received of fiat currency through PayPal for the sales of goods and services during the tax year 2025. This information isn't intended to be and should not be taken as tax advice. Please consult a tax advisor about how these transactions should be reported. To view and print your form, click View Form XXXX or : Log in to your PayPal account and go to Profile. Click Statements and Taxes. Select Tax Documents and the tax year. View XXXX XXXX XXXX also send the information contained in the form to the IRS and XXXX relevant state tax authorities to comply with tax reporting regulations. Thanks for being a valued PayPal customer. PayPal Help & Contact | Security | Apps

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NJ

Complaint narrative:
I am filing a complaint regarding a Klarna installment loan linked to an XXXX purchase that was returned in XXXX 2025. The order was returned in full in XXXX 2025, and I provided valid proof of return, including a return receipt and order details. Despite this, Klarna has failed to properly process the return or resolve the dispute. I have attempted to dispute this issue multiple times ( at least three separate disputes ). Each time, I received the same scripted responses word for word without any real review or human acknowledgment after weeks and months of waiting. The responses even referenced outdated timelines ( XX/XX/XXXX2026 ), which clearly shows they are sending the same outdated scripted response repeatedly. This is extremely frustrating and feels dismissive, especially when I was assured by representatives via phone that the issue would be properly addressed, only to receive the same exact response again. I am now being told that I have reached a dispute limit, and there are four past due payments being added to my account for this same order, even though the order was returned and fully documented. I am absolutely not paying for a returned order. I have several paid-off plans with XXXX and usually never have issues. However, this specific order is not being handled correctly, and I am the one left dealing with the financial impact and ongoing frustration. Dealing with Klarna has felt like talking to a brick wall or a robot. Klarna has refused to escalate the issue to a supervisor. When contacting support by phone, I am told that someone will follow up via email only, but no meaningful follow-up occurs. My communications continue to be met with automated or repeated responses that do not address the issue at all. It has become extremely difficult to resolve anything with this company. I repeatedly receive the same automated responses over the course of several months, and when I call, representatives only repeat scripted answers. When escalation is requested, I am told it can only be handled via email, only to receive the same scripted responses again. How is a dispute being handled properly when it is still referencing an outdated XX/XX/XXXX timeline in XX/XX/XXXX, yet the issue is still unresolved? When I escalate, the same scripted response is repeated without any acknowledgment of the actual evidence provided. This is unacceptable and deeply concerning. I am being pursued for payment on an order I returned, despite providing proof. This is not the first time I have experienced issues like this with their service. Ive sent that return receipt for the order and order details several times via email and attached it during dispute process and still get the same automated response after waiting weeks!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX loan associated with Bank of America. I previously submitted an identity theft and fraud claim regarding this account. Bank of America has now responded stating they are unable to honor my claim ; however, their response fails to address the core legal and factual issues involved. This transaction involved deceptive practices, lack of proper disclosures, and a signature that I assert is not mine. At the time of the transaction, I was placed under pressure and was not provided a clear or meaningful explanation of the loan terms. Specifically, the dealership and financing process failed to properly disclose the Annual Percentage Rate ( APR ), finance charges, total of payments, and true monthly payment obligations prior to signing. This is a direct violation of the Truth in Lending Act ( 15 U.S.C. 1601 ) and Regulation Z ( 12 CFR 1026 ), which require clear and conspicuous disclosures before a consumer becomes obligated on a loan. Additionally, I dispute the authenticity of the signature attributed to me on the loan documents. I did not knowingly or willingly execute the agreement in the form presented, and I believe the signature may have been forged or improperly obtained. Despite raising this issue, Bank of America has failed to conduct a reasonable investigation into the validity of the signature, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Furthermore, the circumstances surrounding this transaction constitute unfair, deceptive, and abusive acts and practices ( UDAAP ) under 12 U.S.C. 5531. I was not given a fair opportunity to understand or review the terms, and critical financial details were either misrepresented o r omitted entirely. Bank of Americas response appears to rely solely on internal review without addressing these legal violations or conducting a thorough investigation into the disputed signature and improper disclosures. I am requesting the following : 1. A full and documented investigation into the authenticity of the signature on all loan documents 2. Complete disclosure of all original signed documents, including wet-ink copies and any electronic signature audit trails 3. Verification of compliance with TILA and Regulation Z disclosure requirements 4. Immediate suspension of any reporting or collection activity related to this account while the investigation is pending 5. Removal of this account from my credit report if it can not be properly verified as accurate and authorized I am also requesting that this matter be escalated and reviewed for potential fraud and compliance violations. This complaint is being submitted in good faith and I expect a full and lawful response.

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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: FL

Complaint narrative:
TekCollect has canceled my collection account but the credit bureaus have yet to update my credit report to reflect that. The closed account notification was send XX/XX/2026. XXXX has yet to remove the debt even though the collection agency has closed my account and sent a notification to the three credit bureaus informing them of their decision. Im not sure where the miscommunication is coming from.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation