vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Following a security breach, the bank forced the closure of my debit card ending in XXXX on XX/XX/year>, in accordance with their mandatory protocols for securing a compromised card. Despite this, the bank failed to adhere to those same internal security controls and processed a {$4100.00} fraudulent transaction by XXXX XXXX XXXX that was initiated on XX/XX/year>, settling it against a non-existent, closed card ending in XXXX on XX/XX/year>. The investigative process conducted by the bank was non-existent. My claim was initially validated by a provisional credit on XX/XX/year>, only to be reversed by the bank on XX/XX/year>, without cause. The bank has formally admitted that the transaction was unauthorized because it was processed against a closed card ending in XXXX, yet they have failed to release the seized funds. This institutional failure resulted in the illegal XXXX of my protected military pension funds, which are directly deposited into this account as evidenced by the account activity showing the deposit receipt followed by the XXXX XXXX days later, causing direct and catastrophic damage to my livelihood. As CEO of XXXX XXXX XXXX XXXX, I demand the immediate restoration of the {$4100.00} in seized funds and a formal reconciliation of this account. XXXX '' ( XXXX statement ) : This document confirms that the bank was aware of and managing card activity for credential XXXX prior to the closure. " XXXX '' ( XXXX statement ) : This document provides proof of the initial provisional credit for the disputed item on card XXXX, demonstrating that the bank previously acknowledged the error. " XXXX '' ( Account activity screenshot ) : This document serves as primary evidence of the reversal of the provisional credit on XX/XX/year>, and the current status of your account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I received a voicemail from this company that I found to be aggressive and unprofessional. After receiving the message, I attempted to return the call multiple times before I was finally connected with a representative. When I was eventually transferred to the individual I was told I needed to speak with, the conversation was brief and hostile. One of the first statements made to me was that the company was " suing '' me. I asked whether the individual was an attorney, and he responded that he was calling from the company 's legal department. I requested written information regarding the alleged debt, including documentation showing the amount claimed, the original creditor, and the basis for the collection activity. The representative refused to provide the information and stated that if I wanted documentation, my attorney would need to contact them. At no point was I provided with written validation of the debt despite my request. I am unable to determine whether the debt is valid, how the amount was calculated, or whether the company has the legal right to collect it. I believe consumers should be able to obtain written information regarding an alleged debt without being required to hire an attorney. I am requesting that the company provide complete written validation of the alleged debt and cease any misleading or intimidating collection practices. If the company can not validate the debt, I request that any negative credit reporting associated with this account be removed and that collection efforts cease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my fourth ( 4th ) formal notice regarding your ongoing failure to comply with federal credit reporting mandates. We have reached the conclusion of the statutory reinvestigation period. Under the Fair Credit Reporting Act ( FCRA ), the creditors/furnishers have been afforded ample opportunity to provide competent evidentiary matter to verify the accounts in question. Their failure to do so by this stage constitutes a final failure of verification. I. NOTICE OF STATUTORY DEFAULT AND MANDATORY DELETION Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ), your agency was provided the statutory period to complete a reasonable reinvestigation. As three consecutive dispute cycles have concluded without the production of competent evidentiary matter or a Method of Verification ( MOV ) as mandated by 15 U.S.C. 1681i ( a ) ( 7 ), the investigation has reached a terminal state of non-verification. The law now dictates the following mandatory actions : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Since the disputed information ' can not be verified ' after a reasonable reinvestigation, your agency 'shall ' promptly delete that item from the file of the consumer or modify that item. The use of the word 'shall ' removes all administrative discretion ; deletion is a compulsory requirement. 15 U.S.C. 1681s-2 ( b ) : The furnishers/creditors have exhausted their statutory timeframe to provide verification. Their failure to substantiate the data upon notice of dispute requires your agency to suppress and remove the unverified tradelines immediately to maintain the 'maximum possible accuracy ' standards required under 15 U.S.C . 1681e ( b ). '' II. WILLFUL AND NEGLIGENT NON-COMPLIANCE Continuing to report unverified or inaccurate data after 30+ days of formal dispute constitutes : 15 U.S.C . 1681n : Willful non-compliance, exposing your agency to actual and punitive damages. 15 U.S.C. 1681o : Negligent non-compliance by failing to uphold the " Maximum Possible Accuracy '' standard of 15 U.S.C. 1681e ( b ).

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 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
Company involved : XXXX XXXX ( debt collection law firm ) Original creditor : Acima Credit I am filing a complaint regarding debt collection practices by XXXX XXXX. I am being contacted regarding an alleged debt that I initially did not fully understand. I later acknowledged the debt and attempted to resolve the matter in good faith. However, I requested written validation of the debt, including the original creditor, an itemized breakdown of the balance, and proof of authority to collect the debt. Pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), consumers have the right to request validation of a debt and to dispute it within the required period. Despite my request, the company has failed to provide written validation of the debt. In addition, there is a significant discrepancy in the amount being claimed. I contacted the original creditor, Acima Credit, and was informed that the balance is approximately {$380.00} However, XXXX XXXX is attempting to collect approximately {$2100.00}, and no documentation has been provided explaining this difference. I have also received intimidating communication during the collection process, including statements such as we will find you, which I find threatening and inappropriate. I have received 20 calls in the span of one week. Threatening to come to my job as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX XXXX XXXX, and I am filing a complaint regarding the sudden and unexplained termination of my Square account and the resulting financial harm, including issues related to a Square business loan. After over one year of continuous use, Square abruptly deactivated my account without prior notice on XX/XX/year> after business hours. My business relied heavily on Squares integrated ecosystem, including : Payment processing Business checking and savings accounts Square Loan Payroll ( XXXX contractors ) Subscription billing and memberships Inventory management Square cited vague violations of Section 3 : General Terms and Section 3 : Payment Terms but refused to provide any specific details regarding the alleged activity, even upon request. My business has : XXXX chargebacks Positive customer reviews A XXXX A rating Despite this, Square terminated my account without giving me an opportunity to respond or remedy any concerns. Financial Impact This action has caused severe financial harm : Approximately 85 % loss in sales over the past 3.5 weeks, based on Square analytics reports Over {$3000.00} invested in Square hardware and infrastructure Disruption of critical operations including payroll, subscriptions, and inventory systems Loan Issue I also have a Square Loan that was structured to be repaid automatically through a percentage of card sales processed via Square. Due to Squares unilateral termination : I am unable to generate payments under the agreed repayment method Square has indicated I may be in default, despite disabling the mechanism required to make payments This is unjust and places me in financial jeopardy through no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One regarding a denied debit card dispute. I purchased airline tickets through XXXX ( a buy-now-pay-later service ) for XXXX XXXX. XXXX XXXX canceled my flight and sent me a written email confirming an automatic refund of {$1900.00} to my original form of payment. The refund was never received. XXXX permanently ceased operations on XX/XX/year> due to bankruptcy. I filed a dispute with Capital One ( Claim # XXXX ) which was incorrectly denied. The denial stated I had revoked authorization, which is factually incorrect. I never canceled any authorization. XXXX XXXX canceled the flight. I have since filed an appeal but have received no resolution. I am requesting Capital One honor this legitimate claim for services not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
I recently discovered that Sun Loan changed the reporting of this account, including increasing the reported balance from {$0.00} to {$520.00} and replacing previous remarks indicating settlement/payment with a Profit and Loss Write-Off remark. These changes caused a substantial decrease in my credit score and I dispute the accuracy of this reporting. I request a reasonable investigation and documentary evidence supporting each changed data field, including the balance, account status, payment history, charge-off information, and all remarks reported to the consumer reporting agencies. If the information can not be fully verified, I request deletion or correction of the account pursuant to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Company : Freedom Mortgage Corporation Subject : Failure to Timely Process Insurance Proceeds and Release Funds for Covered Property Loss Property Address : XXXX XXXX XXXX XXXX XXXX XXXX Loan Number : XXXX Claim Tracking Number : XXXX I am filing this complaint regarding Freedom Mortgages handling of insurance proceeds related to a covered water damage claim at my residence. My homeowners insurance company issued claim payments that were made payable to both myself and Freedom Mortgage. Freedom Mortgage has received the insurance checks and supporting documentation. I have submitted all requested information, including estimates, invoices, contractor documentation, mitigation invoices, proof of loss information, and multiple written requests for assistance. Despite complying with all requests, Freedom Mortgage has not released any funds needed to begin repairs. My family remains displaced from our home while reconstruction is delayed because materials can not be ordered and contractors can not be paid until funds are released. The following amounts are currently needed : Completed Work Currently Due : * Mitigation Services : {$2500.00} * Furniture Moving and Protection : {$1100.00} * Demolition and Debris Removal : {$3900.00} Total Currently Due : {$7600.00} Funds Needed to Continue Reconstruction : * Flooring Materials : {$6900.00} * Flooring Installation Labor : {$5200.00} Total Needed to Continue Reconstruction : {$12000.00} Total Immediate Funding Requested : {$19000.00} My family consists of XXXX XXXX, including XXXX XXXX XXXX. The damaged basement/main walk-in level is a primary living area within our home. We are currently displaced and living in temporary housing while repairs remain stalled. I have made numerous attempts to contact Freedom Mortgage by telephone, through uploaded portal messages, and through written correspondence. Despite these efforts, I have been unable to obtain meaningful updates regarding the release of funds or a timeline for processing. I have been unable to reach an appropriate representative to resolve this matter. The continued delay is preventing repairs from moving forward, increasing additional living expenses, and creating significant hardship for my family. I am requesting that Freedom Mortgage : 1. Immediately review my file. 2. Provide a written status update. 3. Release available insurance proceeds without further delay. 4. Provide a clear timeline for any remaining review process. I appreciate the CFPBs assistance in helping resolve this matter. 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 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sezzle Inc.
State: NJ

Complaint narrative:
I have held a Sezzle account in good standing for six years. The account currently carries a XXXX balance and has a credit limit of {$2100.00}, all of which is available. This is my oldest credit account. On XX/XX/year>, Sezzle locked me out of my account without prior notice. On XX/XX/year>, Sezzle support told me the lock was due to an extended fraud alert on my XXXX file and a missing phone number with the bureau, and stated they could not extend credit until the alert was resolved with XXXX. On XX/XX/year>, I contacted XXXX, removed the extended fraud alert from my file, and confirmed the removal with Sezzle support the same day. The stated reason for the lock was fully cured at that point. Since XX/XX/year>, every response I have received from Sezzle has been an identical message stating they are " still working on this '' and that I will be " hearing from us soon. '' I received this same response on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, including immediately after I sent a detailed written summary and a formal request for either restoration or a specific explanation. I directly requested an estimated resolution date on XX/XX/XXXX and received no answer. As of today, XX/XX/year>, my account has been locked for 10 days and the fraud alert has been removed for 8 days. Two points underscore that the lock is unjustified. First, the original basis for the lock no longer exists ; the fraud alert has been removed and the cure is complete. Second, Sezzle extended credit to me for six years with that same alert on file, so the alert was not a barrier to my account at any point until 10 days ago. Sezzle 's only proposed resolution has been to close my existing account so I can open a new one. This is not an acceptable fix. Closing a six-year-old account that is my only tradeline and carries a XXXX balance would cause significant and unnecessary harm to my credit profile, including loss of available credit and a reduction in my average account age, to resolve a problem I did not create and have already cured. I have made repeated good-faith attempts to resolve this directly with Sezzle and have been met only with non-responsive, copy-pasted replies and no estimated timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
A Pell grant was put into collections and showed on my credit report in XX/XX/XXXX. Once I was made aware of it I immediately contacted the Default Resolution Group to get it taken care of. I sent in all the documentation the representative advised I needed immediately. Later I was informed that I needed to supply additional documentation which I did. It has been confirmed that the documentation was received and has been under review since XX/XX/XXXX. They told me it would be 6-8 weeks for them to make a decision, its now been 9 weeks and they havent been able to even give me an update. The XXXX XXXX XXXX found the loans to be fraudulent in XX/XX/XXXX. Since the default resolution group wasnt able to help me I called XXXX XXXX XXXX to try to get additional information, they also refused to help. Ive been up front with them from the beginning that this needs to be taken care of as Im trying to buy a house and this is putting a stop to that. It should have had a decision last week per the time frame they gave me. Its frustrating to get zero communication or updates regarding the process. The loans are clearly not mine as they list the incorrect date of birth as well as an address in Arizona, Ive lived in Washington State my entire adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> LVNV Funding LLC RE : Cease and Desist / Notice of Dispute To Whom It May Concern : I am writing regarding the accounts that LVNV Funding LLC is reporting on my consumer credit reports. I have disputed these accounts multiple times with the consumer reporting agencies and continue to dispute the accuracy, completeness, and validity of the information being reported. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX ( c ), I hereby demand that LVNV Funding LLC cease all communication with me regarding these alleged debts except as permitted by law. Furthermore, I request that LVNV Funding provide competent evidence demonstrating : XXXX. The original creditor 's name. XXXX. The complete account history. XXXX. The amount allegedly owed and how it was calculated. XXXX. Documentation showing LVNV Funding 's legal authority to collect and report the debt. XXXX. Documentation bearing my signature establishing liability for the alleged obligation. Until such documentation is provided, I maintain my dispute of these accounts and request that LVNV Funding cease reporting inaccurate information to any consumer reporting agency. Please note that continued reporting of information that can not be verified may constitute violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX U.S.C. XXXX ( a ) and XXXX ( b ). This letter is not an acknowledgment of liability, nor is it a promise to pay. All rights are reserved. Sincerely, XXXX XXXX XXXX They responded and continue to respond to every request with account summaries from accounts they refuse to verify and or send me what I actually requset.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I went to Wells Fargo Bank in XXXX NJ to deposit 9 checks in the drive through ATM machine. The total amount of checks were {$190000.00}. The ATM machine jammed and the screen went blank. I received a deposit slip for only two deposited checks out of the seven. The machine did not return the undeposited checks. Two checks were deposited the amount of the first check is {$39000.00}. The amount of the second check that was deposited was {$37000.00}. The total of checks that are being withheld are {$120000.00}. I immediately went inside the branch and spoke to the teller. The teller cleared the ATM machine and pulled out all of the checks. I requested that the seven checks that were not deposited successfully would be deposited into my account. I was told that they are unable to do that and I would have to call customer service regarding this. I immediately called the number I was given and filed a claim. On XX/XX/year> I went to speak with my bank account manager located at the Wells Fargo in XXXX XXXX NJ. He escalated the claim but was unable to assist me with getting the funds released. On XX/XX/year> I called my bank account manager located at the Wells Fargo in XXXX XXXX NJ To get an update on the status of the funds since it was still not released. I left him a voicemail he never returned my call. On XX/XX/year> I called my bank account manager located at the Wells Fargo in XXXX XXXX NJ To get an update on the status of the funds since it was still not released. I left him a voicemail he never returned my call. This issue has caused a great strain on my working capital. I had to take a loan to cover my employees wages. My account is now negative. I am unable to pay my business expenses. I am unable to pay my employer labor taxes that was due XX/XX/year>. I am unable to pay my workers compensation insurance which was also due XX/XX/year>. Payments are now bouncing in my business account since I do not have the funds to cover these expenses. I requested that the bank manager would provide me with a loan in the amount of the unreleased funds so that I can cover our business expenses. I have yet to receive any assistance or the release of the checks that were deposited. I have payroll again this Friday. We employ over 250 employees. Several employees will not be getting paid this week if the bank does not release our 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 explanation