vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I am filing this complaint against The Golden 1 Credit Union regarding the reporting of late-payment information associated with my account XXXX. I submitted a formal request for confirmation of the accuracy of the reported late-payment history for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I specifically requested confirmation that the reported late-payment status aligns with The Golden 1 Credit Unions internal payment records and an explanation of how any delinquency was calculated in relation to the account balance and account status at the time of reporting. This information is necessary to ensure that the data being furnished to consumer reporting agencies is accurate and complete. To date, the reporting of these late payments has not been adequately explained or substantiated, raising concerns about the accuracy and verifiability of the information being furnished.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
Amount Claimed : {$2000.00} CEASE AND DESIST NOTICE To Whom It May Concern, I am writing regarding the above-referenced account that you are reporting and attempting to collect.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you CEASE AND DESIST all communication with me immediately, including but not limited to phone calls, emails, text messages, and postal mail. 

This account is formally disputed, and I do not acknowledge any obligation to this alleged debt. Any continued communication from your company, other than written confirmation that collection efforts have ceased or notice of specific legal action, will be documented as a violation of federal law. 

Additionally, if you can not provide proper validation of this debt, including proof of my legal obligation, original contract, and complete payment history, you must cease reporting this account to all consumer reporting agencies and request its removal. 

Failure to comply may result in complaints filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General And potential legal action This letter is not a refusal to pay, but a notice that your authority to contact me is revoked. 

Govern yourself accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was closed for an alleged Terms of Service violation, but I was not provided with specific details regarding the policy or activity that led to the closure. 
I contacted Cash App support through the app and submitted a formal appeal, clarifying that my account was used only for personal transactions, not for business, crypto-related activities, or high-volume transfers. 
Cash App reviewed my appeal and later informed me via email that the account would remain deactivated, again without specifying the alleged violation. I was able to withdraw all remaining funds, so there was no financial loss. 
My concern is that the account was linked to my identity, and Cash App has not confirmed whether my identifying information was permanently restricted or shared with any third-party risk or compliance databases. I seek written clarification on how my identity information was handled and whether this was solely an internal risk decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XX/XX/year> I tried to withdraw money and it kept declining. After several attempts I finally was able to get XXXX off but my balance still has XXXX left on it they couldnt tell me why told me to wait for an email I contacted them several times letting them kno I need to feed my kids they sent an email sat about verifying so I sent my id just now at XXXX they sent another email stating they holding my money up to 180 days like no XXXX way Ive used this method for a long time and need my money its not even my primary source but now I need my money I can not wait 180 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX ca XXXX Bank of America XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Cease and Desist Account ending in XXXX To Whom It May Concern, I am writing in regard to the above-referenced account.

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), I hereby demand that you cease and desist all communication with me regarding this account.

This includes, but is not limited to : Telephone calls Letters Emails Text messages Contact through third parties You are only permitted to contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of specific legal action you intend to take.

Any further communication beyond what is permitted by law will be documented and may constitute a violation of federal law.

This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a request to cease communication. 

Please govern yourselves accordingly. 

Sincerely, 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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
I have used PayPal for XXXX  years for many purchases and payments, for business and personal. They all of the sudden permanently deactivated my account with no explanation and I cant access my money for 120 days. I did nothing wrong. I dont understand why they can just shut down my account for receiving money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I attempted to access my Discover bank account, it is connected to an outdated number and was denied due to an invalid id. I am XXXX and my mother hasnt taken me to renew my ID. I stated this to employee. Employee wouldnt give me any alternate options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
on XX/XX/year> I received an email from US Bank that an account was opened in my name. They had my name, email address and phone number. I also received a text message. I have never tried opening a US Bank account before. I can not get anyone on the phone through customer service without an account number or SSN

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 2026-01-05 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: MOHELA
State: TN

Complaint narrative:
They sent my information to a third party.Not providing right information to they borrowers, over charging borrowers, XXXX they are in a lawsuit, etc. Not processing paper work in a timely manner and apprising in accurate information to the credit reporting agency..

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I recently applied for and was approved for a PayPal Credit account managed by Synchrony Financial, with a credit limit of {$15000.00}. Since opening the account, I have been unable to complete a single successful transaction. 

My first attempt to use the credit line initially appeared to be authorized. However, several days later, the merchant, XXXX, contacted me to state that the form of payment had failed. I attempted to rectify this by canceling the first order and creating a new order for the same item. Once again, the transaction appeared to be successful, only to be rejected by Synchrony days later, causing significant inconvenience and issues with the merchant. Subsequent attempts at other retailers have been declined immediately. 

Merchants where credit line was rejected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See the attached screenshots for several attempts to use the credit account and the corresponding rejections. 

I attempted to resolve this through standard customer service channels, but I was informed that " system restrictions '' prevent the use of the credit account and that frontline staff have no authority to lift them. This constitutes a denial of service and an unfair business practice. 

Synchrony Bank 's unfair business practices include : - Performing a hard inquiry on my credit report and opening a new trade line ( impacting my credit score )XXXX XXXX Providing a financial product that has a 100 % failure rate for transactionsXXXX XXXX  Refusing to provide a pathway for identity verification to make the account usable.

I have been issued a credit line that I am strictly prohibited from using, despite having a valid approval and no negative history.

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Coinbase, Inc.
State: AK

Complaint narrative:
I have a Coinbase virtual debit card, on XX/XX/year> i went to send money via XXXX XXXX, however XXXX XXXX reversed the charge and the money went nowhere. According to Coinbase the reversal posted on XX/XX/year>, i was told wait 3-7 business days for it to post. Nothing changed in that time, the {$110.00} in my account shows as pending. Ive called every aspect of their support team to resolve this, XXXX XXXX XXXX XXXX XXXX, phone number etc. They send you in circles doing nothing while they wait for an escalation team to resolve. Its been about a month that they have withheld my funds from me with no resolution on their end. 

I want to pursue legal action as the team has lied to me again and again that my money will be available to me. This intuition of Coinbase should be ineligible for debit cards as ive never come across a company so inept and unhelpful. How is this not theft at this point??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I've been fighting Portfolio Recovery, a company that has been sued with a class action suit from the state of NC, for a very long time now. I didn't know they reported my info to the credit bureaus because I have no business with them. I've requested verification as well as proof to be able to identify even before they reported me. They have yet to issue me a verification as well as notice of dispute so that I could have prevented them from negatively reporting me to the bureaus. They have obtained and purchased my information from XXXX XXXX credit card. It's been two years now and I can not refy or get a HELOC on a rental property because of this company. I've talked to them numerous times on different occasions trying to resolve this issue and ask for proper paperwork and to let them know they didn't follow procedures before reporting me to the bureau. They took it upon themselves to report me without sending me the paperwork I requested for validation. Please help. I've sent numerous letters with some as recent as XXXX, XXXX and XX/XX/year> trying to rectify the issue but to no avail. Also, is my name part of the class action lawsuit for Portfolio Recovery because of their bad practices towards consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Complaint Summary I am filing a complaint regarding CareCredit ( Synchrony Bank ) for improper handling of a disputed medical charge in the amount of {$2500.00}. 

I disputed this charge after canceling a XXXX  service prior to treatment being rendered and prior to any XXXX  appliances being delivered. CareCredit initially advised me that a phone cancellation with the merchant would be sufficient. I followed that guidance and canceled within one week of signing the contract and before the scheduled appliance pickup date. 

Despite providing extensive documentation including proof of cancellation timing, independent XXXX  opinions stating the proposed treatment was clinically inappropriate, and evidence that no services or appliances were delivered CareCredit repeatedly denied my dispute based solely on a merchant-submitted contract containing ambiguous and contradictory language regarding fees, services, and refundability. 

The contract provided by the merchant inconsistently labels a {$5000.00} charge as both an XXXX  treatment fee and a non-refundable records fee, without clear explanation of what services were rendered. No XXXX  treatment was initiated, no XXXX  were delivered, and no medical benefit was received. 

CareCredit failed to provide the promised written resolution explanation after closing my dispute and applied inconsistent dispute standards across multiple reviews, retroactively requiring documentation that was not disclosed at the time of dispute. 

I am requesting that CareCredit : Provide full documentation relied upon in denying my dispute, Conduct a fair and transparent review based on lack of services rendered, misrepresentation, and contract ambiguity, Reconsider this dispute consistent with consumer protection and billing dispute standards.

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 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We believe we have been subjected to predatory lending practices. We originally financed our home in XXXX and later refinanced it in the aftermath of the XXXX market crash to reduce our monthly payments. At that time, lenders were expected to assist homeowners by refinancing at fair market value. 

Despite paying on this mortgage for over 20 years, the numbers simply do not make sense. The home was purchased for {$280000.00} with a {$30000.00} down payment, resulting in a finance balance of {$250000.00}. Yet our current payoff amount still shows a balance of {$240000.00}. There is also a debit charge of {$81000.00} on the loan. According to the lender, after two decades of payments, only {$14000.00} has gone toward the principal. 

XXXX XXXX serviced the mortgage at the time of origination and refinancing. Shellpoint Mortgage Company now holds the loan. We are asking for help in resolving this situation.

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 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had an account with Cash app and my account was good to go. Bank was linked up. Debit card was linked. I received a cash payment. I tried to withdraw it. A cash app mentioned that my account was frozen due to suspicious activity. I reached out to customer support and its been over 90 days. Also money was added to my cash app while account was frozen Cash app still allows for me to receive money but not withdraw it. Its been frozen for 90 days. I reached out early XXXX. It is now XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
Document Deficiencies & Date Conflicts XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Alleged Amount : Approximately {$2200.00} Account Type Reported : Collection Agency / Attorney Purpose of Attachment This document summarizes deficiencies and internal inconsistencies identified in the materials provided by XXXX XXXX XXXX in response to a timely debt validation request. 

XXXX. Inconsistent Lease Dates Lease documentation lists my move-out date as XX/XX/year>. 

The Summary of Statement lists the lease expiration as XX/XX/year>. 

No explanation is provided for this discrepancy. 

Conflicting lease dates affect rent proration, charge calculations, and the accuracy of the alleged balance. 

XXXX. Incomplete and Altered Documentation Multiple pages contain white-outs and redactions with no explanation. 

Several documents lack initials or authentication, making it unclear who prepared or verified them. 

Only one document contains my actual signature ; the remaining materials are unsigned. 

XXXX. Failure to Establish Authority to Collect No assignment agreement, transfer document, or other proof was provided showing that XXXX XXXX XXXX has legal authority to collect this alleged debt. 

Internal billing summaries alone do not establish ownership or collection rights. 

XXXX. Unreliable Balance Calculations The documents show credits, adjustments, and balances without a clear, consistent explanation of how the final amount claimed was calculated. 

The lack of a clear itemization prevents verification of the accuracy of the alleged balance. 

XXXX. Mischaracterization of Account Status The account is reported to consumer reporting agencies as Collection Agency / Attorney. 

The provided documents show no attorney involvement, lawsuit, or judgment associated with this account. 

This classification is unsupported by the materials provided. 

Conclusion Due to conflicting dates, altered or unauthenticated documents, missing signatures, lack of proof of authority, and unclear balance calculations, the materials provided do not constitute reliable or lawful validation of the alleged debt. The account remains disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Hello, on XX/XX/year> I was robbed. My unlocked phone and wallet were taken. There was {$30000.00} in fraudulent charges across many apps on my phone as well as ATM withdrawals, in person card charges and XXXX. Wells Fargo ( my bank ) has helped recover all of it except for a {$5000.00} XXXX. They have closed all the cases including the zelle but say they have a hold harmless with XXXX  XXXX XXXX ( where the XXXX was transfered ) that we are waiting 120 days for them to respond. They have stated if the money at B of A was withdrawn, Wells Fargo will not be able to recover the XXXX. When I began asking questions they admitted they had not submitted the hold harmless until the XXXX. That gave the thief XXXX  days to withdraw the money from his XXXX  of XXXX  account. Are they not insured for this kind of thing? It is obvious fraud and they acknowledge that. Please help, I'm a small business owner and that XXXX was originally in my Wells Fargo business account. The thief had to transfer it to my personal Wells Fargo account because my business account will only allow a XXXX XXXX. Where as my personal account allowed the XXXX to go through. This has been a very traumatic experience and Wells Fargo has helped but this XXXX is so important to me and my business. Thanks for your time. 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