vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 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: NV

Complaint narrative:
This is an escalation regarding my existing complaint # XXXX.Cash App has committed multiple procedural violations under Regulation E ( 12 CFR 1005 ), which governs error resolution for electronic fund transfers. 1. Failure to provide written explanation of denial ( 12 CFR 1005.11 ( d ) ) Cash App denied my dispute twice without notifying me and has refused to provide the required written explanation of the investigation results. I have repeatedly requested the denial documentation, and Cash App continues to withhold it. 2. Failure to allow me to submit additional information ( 12 CFR 1005.11 ( b ) ( 1 ) ( ii ) ) Cash App terminated the inapp chat, which was the only communication channel for my dispute. They are now demanding new information while refusing to provide the denial documentation that would allow me to respond. This prevents me from participating in the dispute process. 3. Failure to complete the investigation within required timeframes ( 12 CFR 1005.11 ( c ) ) when investigation is delayed ( 12 CFR 1005.11 ( c ) ( 2 ) ) Cash App has not provided provisional credit despite the dispute exceeding the regulatory timeframe and despite my documented financial hardship. I am a single parent experiencing severe financial hardship. I paid for services I never received, and Cash Apps procedural violations have prevented me from resolving this dispute.I am requesting that the CFPB require Cash App to : Provide the denial documentation and full case file as required by Regulation E Correct the procedural violations Return the funds to my Cash App card immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint as a follow-up to my prior CFPB complaint regarding Citi dispute ID XXXX. On XX/XX/year>, Citi Bank responded to my previous complaint and requested additional information concerning this dispute, including whether a credit slip was provided by the merchant and details regarding the merchant 's return policy. I am providing the requested information and supporting documentation through the CFPB portal to ensure there is a documented record confirming Citi 's receipt of these materials. The attached documents show that the merchant approved my return, provided a prepaid return label, received the returned merchandise, and subsequently confirmed that a full refund would be processed within 3 to 5 days. Despite these representations, no refund was ever issued. I respectfully request that Citi review the attached information, reconsider its prior decision, and provide a written response addressing the evidence submitted.

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 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: F & S Financial Marketing, Inc.
State: VA

Complaint narrative:
Hello, I have a problem ( XXXX XXXX XXXX ) with the F & S financial company that I bought a car from. I was in an accident & at the time the insurance company was reluctant to continue coverage due to the high mileage & them requiring FULL COVERAGE! F & S recently began garnishing my wages for the past 60 plus days at $ XXXX per check. I requested a detailed payment history of what had been paid towards the vehicle so far. They gave me a generic XXXX print out. Its XXXX. They have auctioned the car & refused to give the receipt proving they only received {$500.00} for a drivable vehicle. ( I dont believe it at all ) With that being said I was paying {$200.00} every two weeks for almost 6 months, they claim the payments were only about {$1000.00} paid in that amount of time. ( Lies once again ) The F & S employee saw my mother in the gas station ( upon seeing her she says I was gon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX up.Only my mom was in the store at the time. As she stood in XXXX XXXX she overhead her ( XXXX XXXX ) telling her friend about my debt as they gambled ( Saying how she should pay the XXXX XXXX XXXX XXXX bill, the friend asking is that her? She said no thats the mom ) .Further saying that she bet not lose her job. Which breaks federal debt collection laws. My mom has reported this to the local police department XXXX. Bcz the XXXX XXXXXXXX is refusing to provide the video evidence.These people are very unprofessional, unpleasant & definitely have a huge problem with confidentiality. The paperwork they gave reflects a balance at {$10000.00}. The court paperwork reflects {$15000.00} plus. Why are they withholding these pertinent documents? I believe they are embezzling as well as taken advantage of former customers by not abiding by the fair debt collection laws!! Of course they will deny it. If they cant/wont release documentation why would they be honest about this illegal behavior? We will endure retaliation bcz the whole staff is capable. My mom has video footage of a staff member making a personal call cussing & being unprofessional as well. Who wouldnt be skeptical about this type of conduct in a financial company that has all of your personal information?! Will they redact the documents that are & have been consistently requested? Oh between the Attorney XXXX XXXX XXXX XXXX & F & S they are both pointing fingers at one another regarding who actually has the detailed print outs. He cant be trusted either. ( In court on XX/XX/XXXX he told me to file bankruptcy ) Waiting on that footage from the courts as well. Please hold these people accountable. Companies should like this are despicable. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: LA

Complaint narrative:
I disputed this collection account because I do not recognize or have knowledge of the alleged debt. I requested validation and supporting documentation ; however, the account continues to be reported on my credit file. My dispute was denied, but I was not provided sufficient documentation demonstrating ownership, account accuracy, or the basis for verification. I believe the investigation was not reasonable and that inaccurate, incomplete, or unverified information continues to be reported, negatively impacting my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Nothing was done some were paid off and are now back on my credit for the same amount paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I financed services through Cherry for treatment at XXXX XXXX XXXX XXXXXXXX. I disputed the services and charges promptly after the treatment because what was represented and what was delivered did not match, and I disputed the amount being billed. I notified Cherry immediately and repeatedly, in writing, that I was disputing the charges and requesting a resolution. I asked Cherry to investigate the dispute with the merchant and to provide documentation of that investigation, including validation and a complete itemized ledger showing : the original amount financed, how any payments were applied, any fees/interest ( with dates and basis ), and the calculation supporting the balance being collected. Cherry has not provided a substantive investigation or documentation. Instead, Cherry sends automated we investigated messages without providing validation, an itemized ledger, or a point-by-point written response from a human reviewer. I have repeatedly requested escalation to a human case handler and have not been able to speak with, or receive a direct written response from, a person responsible for resolving the dispute. Despite the ongoing dispute and lack of validation, Cherry continues collection communications and has reported the account as charged off on my credit report ( showing approximately {$910.00} written off and approximately {$910.00} past due as of XX/XX/year> ). Cherry has also texted settlement demands ( for example, {$590.00} to close the account as settled ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy and completeness of the XXXX collection account currently appearing on my consumer report. The information being furnished is materially inconsistent. I have attached documentation from the debt collector, XXXX XXXX XXXX, reflecting a balance of {$1100.00}, while the account currently reported on my consumer report reflects a different balance of {$980.00}. Because conflicting balances are being reported regarding the same alleged account, I dispute the accuracy, completeness, and reliability of this tradeline pursuant to the Fair Credit Reporting Act. I request a reasonable reinvestigation and verification of : * the correct balance, * date of first delinquency, * current account status, * furnishing records, * and the method of verification used. Please provide the name of the furnisher and the procedure used during your investigation. If the information can not be fully and accurately verified with competent documentation, I request deletion of this account from my consumer file pursuant to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TekCollect Inc.
State: MD

Complaint narrative:
TekCollect is attempting to collect a debt for a XXXX account, which is currently appearing on my credit monitoring history via XXXX XXXX. I was actively in the middle of my XXXX treatment plan when XXXX abruptly declared bankruptcy and permanently shut down. This constitutes a total breach of contract and a complete failure to render medical services. Under the FTC Holder Rule, I am legally protected from paying a third-party collector for unrendered services. TekCollect has placed the account 'in dispute ' but can not validate this debt because the original creditor failed to fulfill the contract. I demand that this account be closed immediately and completely deleted from all credit bureaus. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am filing a formal complaint against Kia Finance for an unfair, abusive, and deceptive repossession stemming from internal system errors, broken electronic signature processes, and a total failure to notify me of an account status change. I fell approximately 1.5 months behind on my auto loan payments. In good faith, I contacted Kia Finance and requested a 2-month deferral to bring the account current. A Kia representative reviewed my account and formally approved the deferral request. Following this approval, Kia Finance sent an electronic signature link to finalize the paperwork. However, Kia 's electronic portal locked the document with a password that was never provided to me, making it technologically impossible for me to sign. Because the electronic document remained unsigned due to Kia 's technical error, Kia Finance internally revoked the deferral agreement. A Kia Finance supervisor later confirmed to me on a recorded phone line that Kia chose to completely withhold digital notifications : they left XXXX voicemails, sent XXXX emails, and posted nothing to my online account portal to alert me that my account protection was removed. Because of this total lack of communication, I was left under the false impression that my account was safe and up to date under the approved deferral. On the current month, I was only 7 days past due. Because Kia 's system quietly reversed the deferral without notice, the system backdated my delinquency and executed a repossession on my vehicle around XXXX XXXX on XX/XX/2026. Relying on calls from numbers flagged by cellular networks as spamwhile intentionally refusing to leave voicemails or send digital lettersdoes not constitute a good-faith effort to notify a consumer of a default emergency. Furthermore, Kia 's broken e-sign process actively obstructed me from completing the contract. I was forced to borrow and pay {$1800.00} under protest to recover my vehicle on the same day to avoid compounding storage fees at the repossession yard. I demand that Kia Finance 's corporate legal team investigate this communication breakdown, issue a full reimbursement of the {$1800.00} repossession, the tow yard storage fees of {$370.00}, and completely delete the repossession mark from my credit report.

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 2026-05-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
Due to family emergency in XXXX XXXX XXXX XXXX voluntary called bridgecrest to repossess my car XXXX XXXX XXXX. Story short, my car was sold and I did have a debt of the car witch was paid in full in a resolution payments XX/XX/XXXX was paid in full. After a while there was another resolution which I enrolled of a debt on of {$2000.00} something, so I called bridgecrest after two payments of the second resolution. Which they responded that there system have glitch or something they told me not to pay anymore because I already completed in full my first resolution. Story short I have recently applied for a new car loan through XXXX but unfortunately bridge crest havent updated my credit report since XXXX in order for me to get a loan a need bridge crest to update my credit report as paid in full current and removed any negatives report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I updated my new phone which Citibank two weeks ago I was told it would take 48 hours for my number to be verified in my account two weeks later now its XX/XX/XXXX I call because I dont have access to my account they tell me that the number that I have on file doesnt match its their issue because they did not update my number when I called to update it. I cant get one text I cant access my account I cant do anything they telling me it will be a letter sent to me in 10 business days I dont have 10 business days I have bills that I need to pay I have rent I have a car note I have other bills that are due with before 10 business days come theyre not willing to help theyre not willing to expedite the situation theyre not even willing to tell me the number that they have on file for supervisor to call me because I failed the verification question the verification question is the correct answer but theyre telling me is the wrong answer at this point I feel like Im being scammed with Citibank because I have no access to my account and I have bills that need to be paid I dont need to be homeless I dont need to have not get my car taken I need this expedited and Citibank is refusing to help me

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 2026-05-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
Hello, I am writing to formally file a complaint regarding the handling of my fraud claim and the lack of clear guidance and support I have received from XXXX XXXX. I reported fraudulent activity on my account and was advised by a XXXX XXXX representative that I would need to wait for paperwork to be mailed to me in order to proceed with my fraud claim and request for provisional credit. I followed the instructions exactly as they were provided to me. I received the paperwork on XX/XX/year>, and promptly completed and submitted the required documents via email on XX/XX/year>. However, after submitting the paperwork, I was informed that my submission was past the deadline to receive provisional credit. I explained that I had relied on the instructions provided by your representative, who specifically told me that I needed to wait for the form to arrive in the mail before taking action. I was then told that I could have simply sent an email with the requested information instead of waiting for the paperwork. This information directly contradicts what I was originally told and reflects a serious lack of clear communication and accountability on the part of XXXX XXXX. I attempted to escalate this matter to a supervisor, but after being placed on hold for an extended period, no one returned to the call. Since then, I have spent hours attempting to reach support without receiving meaningful assistance or resolution. I am a XXXX man, and this account is my only source of income. The lack of urgency, inconsistent instructions, and inability to obtain assistance has caused significant hardship and distress. I feel that I have been unfairly denied provisional credit due to misinformation provided by staff and inadequate customer service. I am requesting review of my case, reconsideration of my eligibility for provisional credit based on the inaccurate guidance I received, and a formal response regarding how XXXX XXXX intends to resolve this matter. Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Klarna AB
State: NY

Complaint narrative:
I am filing a formal complaint regarding a disputed transaction involving XXXX ( Klarna ) for their refusal to provide a full refund or fair resolution under documented medical extenuating circumstances. On XX/XX/XXXX, I paid {$1400.00} to XXXX through Klarna for a trip to XXXX FL for XXXX XXXX, XXXX, staying at a XXXX XXXX XXXX Due to an unforeseen medical situation, we were unable to proceed with the stay. I notified XXXX promptly as well as the owner of the property and submitted supporting medical documentation in good faith.We also had trip protection that was immediately cancelled by XXXX when our stay was cancelled so we were unable to utilize this protection. XXXX denied all requests and I made multiple attempts to resolve the issue through their customer support and escalation channels, all of which resulted in the same denial. It is important to note that I had similar cancellations with other companies such as XXXX, XXXXXXXX XXXX XXXX under the same circumstances, and those companies ALL acted in good faith by providing reasonable accommodations and refunds. XXXX is the only company that refused to consider the legitimacy of a documented medical emergency. They refunded a minimal amount and nothing more was considered. This raises concerns about unfair handling of consumer funds and the rigid application of policies in situations that reasonably warrant flexibility. Consumers should not be financially penalized when legitimate, documented emergencies occur. I am requesting : * A full refund * A review of XXXX policies ( Klarna ) and practices regarding extenuating medical circumstances and financial disputes I have retained all documentation, including proof of payment, medical verification, and correspondence with XXXX, and can provide these upon request. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
Misleading Information : Receiving incorrect information from MOHELA customer service representatives or being given the wrong address for payment

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and duplicate collection reporting related to a XXXX account appearing on my credit reports. I recently discovered that two separate collection agencies are reporting collections for what appears to be the same alleged XXXX debt, but on different credit bureaus. Specifically : Source Receivables Management is reporting the collection account on my XXXX credit report with an opened date of XX/XX/XXXX. XXXX XXXX XXXX is reporting a collection for the same XXXX account on my XXXX credit report with an opened date of XX/XX/XXXX. It is extremely concerning that two separate collection agencies are reporting the same alleged debt with different opened dates and on different credit bureaus. This reporting is confusing, misleading, and appears to be inaccurate and potentially duplicative. A single debt should not be assigned and reported by multiple unrelated collection agencies in a way that unfairly damages my credit profile. The inconsistent reporting dates also raise serious concerns regarding the accuracy, ownership, and validation of the alleged debt. This has negatively impacted my credit standing and may constitute inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I respectfully request that this matter be investigated immediately and that the following actions be taken : Verify the accuracy and ownership of the alleged debt Determine why multiple collection agencies are reporting the same XXXX account Investigate the conflicting opened dates being reported Remove any duplicate, inaccurate, misleading, or unverifiable collection entries from my credit reports Provide written confirmation of the results of the investigation Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and fair credit reporting. I am requesting a thorough review of these accounts and correction of any improper reporting. Thank you for your time and attention to this matter. I look forward to a prompt resolution.

Company response to consumer: Closed with explanation