vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: IL

Complaint narrative:
loanDepot issued a backdated denial letter claiming I failed my XXXX XXXXXXXX XXXX. However, as shown in my loanDepot payment portal, the payment in question was successfully PROCESSED on XX/XX/year>, for the exact trial amount. loanDepot accepted my funds, marked them processed, blocked my next payment, and is now attempting to foreclose based on an error their own system created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Heres a strong, copyandpasteready cease and desist letter directed at Harris & Harris, tailored for creditreporting and collection harassment situations. This is a general legal template, not legal advice but its structured to get their attention and force compliance. -- - Cease & Desist Letter Harris & Harris Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX, TX Date : __________________ Harris & Harris , Ltd . XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Re : Cease & Desist Demand All Communication Must Stop Immediately To Whom It May Concern, I am formally notifying you that, effective immediately, you must cease and desist all communication with me regarding any alleged debt your company claims I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), once a consumer provides written notice to stop communication, a debt collector must immediately halt all contact except to confirm one of the following : 1. You are terminating further collection efforts, or 2. You intend to take a specific legal action. This letter serves as my official written notice. You are not permitted to call, text, email, mail, or otherwise contact me regarding this matter. Additionally : You are not authorized to contact my family, employer, neighbors, or any third party. You are not authorized to report or re-report inaccurate or unverified information to any credit bureau. Any continued communication after receipt of this letter will be documented as a knowing and willful violation of federal law. If you believe you have documentation validating the alleged debt, you may send one written notice containing only the following : The name of the original creditor The alleged amount Copies of any signed contracts or agreements bearing my signature No other communication is permitted. Failure to comply will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint with the Texas Attorney General Potential civil action for statutory damages under the FDCPA I expect your full compliance. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am filing a formal consumer protection complaint against PayPal Holdings , Inc. ( XXXX ) for failing to investigate merchant fraud and commercial policy violations occurring on its platform.On XX/XX/year>, I paid {$110.00} from my XXXX balance to a commercial vendor operating under the name " XXXX XXXX '' The merchant explicitly advertised perfectly smooth wood products. What I received was a box of dangerous, splintered, unusable XXXX. This constitutes severe merchant misrepresentation and bait-and-switch retail fraud.XXXX XXXX is a well-documented XXXX fraud ring that violates XXXX Terms of Service by utilizing personal , peer-to-peer payment structures to run an illegal, unregulated storefront. This setup intentionally strips consumers of standard checkout protections.When I contacted XXXX support to report this active fraud, the representatives refused to investigate or reverse the transaction. They used a generic boilerplate response stating the funds " were made available immediately to the other party. " XXXX is actively facilitating consumer fraud by allowing commercial scammers to operate unauthorized business profiles on its network. They are hiding behind the " instant transfer '' defense to bypass their regulatory obligations to monitor and stop fraudulent accounts.I have attempted to contact the merchant to resolve this in good faith, but the company utilizes deceptive return policies requiring international shipping to XXXX that costs more than the item itself.I demand that XXXX Risk and Compliance team immediately review this fraudulent merchant account, suspend their access to the platform to protect other consumers, and issue a full reversal or credit of {$110.00} to my XXXX account balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I had recently deposited my XXXX direct deposit into my Chime account believing this would at least be a place to move my money from to my XXXX account but the app has complete blocked me from doing any transactions. I tried to work this out with four different representatives all lacking knowledge all giving different answers none worked at all. I then tried to clear all my money out and close my account but now my money ( {$2300.00} ) is stuck in this chime account because of their security verification and I cant access my money I cant take it out, I cant transfer it its just in the Chime checking account. I need to pay rent and bills before the XXXX and I cant even access my money today and Friday is the last day before my leasing office is closed now Im stuck having to figure out how to access my hard earned money from this low tier banking app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never gave consent for these inquiries to be conducted. Please review and resolve the issue.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
A debt collector is reporting a collection account on my credit report that has not been properly verified. I requested validation of the debt, but no sufficient documentation was provided. Despite this, they continued reporting the account and used threatening language, including suggesting legal action and damage to my credit if I did not pay. This behavior violates my rights under the FCRA and FDCPA, as the information is inaccurate, unverified, and being used to pressure payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/year>, my Ally Bank account was suddenly restricted. This is the second time Ally Bank has placed such a restriction on my account without proper justification or clear communication. I am completely frustrated with this repeated disruption of my access to my own money. Due to this ongoing unreliability and poor practice, I can no longer trust Ally Bank with my finances. I am demanding the immediate and permanent closure of my account. Ally Bank is currently holding my remaining balance of approximately {$700.00}. I expect these funds to be returned to me immediately without any further runaround. It is completely unacceptable for a financial institution to repeatedly freeze a customer 's funds and deny them access to their money.

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 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I am the victim of identity theft. IQ Data XXXX is reporting a collection account related to a residential lease with XXXX XXXX XXXX that I did not apply for, authorize, sign, occupy, possess, use, or benefit from. I discovered this account while reviewing my credit report. I have attached my FTC Identity Theft Report and supporting documentation. Pursuant to FCRA 605B ) 15 U.S.C. 1681c-2 ), I am requesting that this identity theft related account be blocked and removed from my credit reports. I requested documentation, including the original lease agreement, rental application, identity verification records, account history, and proof that I authorized this lease. If IQ Data XXXX can not provide competent documentary evidence proving that I entered into and authorized this lease agreement, I request permanent deletion of the account and all related derogatory information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I am filing this complaint against Robinhood because they are wrongfully withholding {$200.00} of my funds due to an unreleased gas station pre-authorization hold from a XXXX XXXX XXXX.On XX/XX/year>, I used my Robinhood card at the pump. XXXX placed a standard {$200.00} pre-authorization hold, and I was subsequently charged the actual amount for the fuel dispensed just three minutes later. The {$200.00} hold failed to automatically drop off my account.I opened a formal transaction dispute directly with Robinhood and provided conclusive screenshot evidence of both transactions showing their near-identical timestamps. Robinhood denied my dispute. They sent a completely unrelated, generic boilerplate response regarding " credit reporting bureaus, '' proving that a human agent never properly investigated this simple debit card hold error. Robinhood has now stated my case is " closed '' and they will take no further steps.I contacted XXXX directly, and they confirmed the hold must be released by the issuing bank. I am demanding that Robinhood immediately reverse this unreleased merchant hold and return my {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently discovered that my personal information was exposed in multiple data breaches, including the XXXX and XXXX data breaches. As a result, I am requesting a thorough investigation of the accounts and information being reported on my consumer reports. I dispute the accuracy, completeness, and verification of the following accounts : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Any XXXX XXXX XXXX accounts- Any other account, inquiry, or derogatory item that can not be properly For the first breach : Company : XXXX What happened? My email address was found in the XXXX data breach. According to the breach notice, exposed information may include my name, email address, phone number, physical address, and other identifying information. I am concerned about identity theft and unauthorized use of my personal information. For the second breach : Company : XXXX What happened? My personal information was included in the XXXX data breach disclosed in XX/XX/year>. The exposed information may include my name, email address, phone number, physical address, date of birth, and partial government-issued identification information. I am filing this report to document the exposure and protect against identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I was never notified by the apartment or ProCollect that my account had been sent to collections. I only found out when I saw it on my credit report. On XX/XX/year>, I called ProCollect multiple times to ask about the account. After finding an email address online, I emailed them the same day requesting information about the debt. I did not receive any response. On XX/XX/year>, I called multiple times again and was told I needed to email the manager. I emailed the manager immediately and again requested the documentation. It has now been almost a month with no response, no information, and no formal letter. I also have written proof from the apartment stating that I had 48 hours after my lease ended to return my keys, but the apartment ignored this and still charged me for days I was not living there. I attempted to resolve this with the apartment before it was sent to collections, but they did not respond to me either.

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 2026-06-11 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: Paypal Holdings, Inc
State: AL

Complaint narrative:
I emailed this information to XXXX and PayPal after MULTIPLE attempts to call and chat with them ( per their stated preferred customer support method ) with no response. Ultimately, my account was locked and I can not access funds. I have uploaded and sent my ID, but even when unlocked, I can not transfer these funds into my credit union. Hello. I am reaching out in an attempt to speak to someone regarding my XXXX account. I have been attempting, for several days, to transfer money from my XXXX account into my bank account. The instant transfer doesnt work with either of my bank accounts, nor would the standard transfer. I have contacted both banks that I have accounts with as well. Theyve both confirmed there is nothing on their side blocking the deposits/transfers. I have attempted to call, email and chat with someone through the XXXX appfor two days. I havent been able to reach a human through any of these avenues. I have over XXXX XXXX in my account that was deposited from XXXX transactions that can be confirmed. This money is now frozen, after Ive attempted to transfer it too many times, I assume. All attempts at standard transfer initially stated pending and then reverted to canceled status. I followed all security prompts and even used plaid to link one of my banks ( both credit unionsalso spoke with both banks regarding these issues ). Per XXXX usage terms ( on the app ) XXXX 's automated review process may choose to decline your transfer attempt. If you encounter a decline, you can try again later. This what Ive done, and I now have an inaccessible account. I also have no way, once the account is unlocked, to retrieve the funds, nor do I have a way to speak to anyone associated with XXXX other than using email. This is an account Ive had for many years, along with my PayPal account. I have never experienced this type of issue, but in searching for answers, Im seeing this is somewhat common and there is potential that my account could be frozen for a very long time. This is my formal request to please review my account, and respond accordingly. I have downloaded my transactions and saved them, for proof of fund, and will proceed with an attorney 's assistance if this last attempt does not work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I am filing this complaint about American Express 's handling of my credit card dispute ( Reference : XXXX, {$2200.00} ) for a counterfeit item. American Express denied my dispute by stating it received " valid supporting documentation from the merchant, confirming the accuracy of the charge. '' That statement is contradicted by the merchant 's own submission, which contains no proof of authenticity only a citation of XXXX 's internal two-day platform policy. This is the conduct I am asking the CFPB to review. On XX/XX/year>, I purchased a XXXX XXXX Double Flap Bag through XXXX from seller XXXX XXXX for {$2200.00}. The listing stated the bag was " 100 % authentic '' and the seller confirmed authenticity in writing multiple times before purchase. The item was delivered XX/XX/year>. On XX/XX/year> four days after delivery XXXX ( a professional authentication service that backs its results with a ninety-day financial guarantee ) certified the bag as a XXXX. Certificate ID : # XXXX. XXXX 's own support team acknowledged the problem in writing, stating : " I'm sorry to learn that the item you received does not match its description. '' Despite this acknowledgment, XXXX denied my claim solely because I did not click a platform button within two days of delivery before I had any opportunity to obtain professional authentication. When I disputed the charge with American Express under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Amex denied my claim and stated it had received " valid supporting documentation from the merchant, confirming the accuracy of the charge. '' I have obtained XXXX 's actual dispute submission. It contains no evidence that the bag is authentic. It cites only XXXX 's two-day Terms and Conditions policy. XXXX never claimed the bag was genuine, and its own support agent admitted it did not match its description. American Express 's characterization of this as documentation " confirming the accuracy of the charge '' is inaccurate. Under the FCBA ( 15 U.S.C. 1666 ), I have the right to dispute merchandise materially not as described, and American Express has an obligation to independently investigate not simply accept a merchant 's procedural policy as proof that the item was authentic. Authenticating a luxury item requires professional review that can not reasonably be completed within two days of delivery.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A debt collector is reporting a collection account on my credit report that has not been properly verified. I requested validation of the debt, but no sufficient documentation was provided. Despite this, they continued reporting the account and used threatening language, including suggesting legal action and damage to my credit if I did not pay. This behavior violates my rights under the FCRA and FDCPA, as the information is inaccurate, unverified, and being used to pressure payment.

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 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: MA

Complaint narrative:
Formal Consumer Complaint Against Cash App ( Block , Inc. ) To Whom It May Concern, I am filing this formal complaint against Cash App ( Block, Inc. ) to address the completely unjustified closure of my account, the subsequent permanent ban placed on my identity, and the unacceptable treatment I have received as a loyal customer. I have used Cash App strictly for legitimate, everyday financial management. I always ensured that my Cash App bills were paid completely on time, and I used the platform solely for standard transactions like sending money to my friends and family. I have never violated any policies, yet Cash App abruptly shut down my account without warning. To make matters worse, they leveled generic, automated accusations of policy violations and illegal activity against me. This is entirely false, slanderous, and completely insults my integrity as a customer. When this occurred, I did not overreact ; I remained polite and went through the proper channels. I have appealed this decision multiple times, asking for a simple explanation. Every single appeal was ignored by actual human support staff. Instead, I was repeatedly stonewalled with automated, copy-pasted emails stating that the decision is final. Because I rely on digital transactions, I even attempted to create a new account, only to find that Cash App has permanently banned my identity from their entire platform. To take a customer who consistently paid their bills on time, abruptly cut off their access, ignore their polite requests for help, and essentially tell them to go to XXXX with a generic template email is a repulsive way to do business. Cash App has completely failed to provide the basic customer service required of a financial institution. I refuse to be ignored any longer, and I am demanding one of the two following resolutions immediately : 1. The immediate and full reinstatement of my Cash App account and my access to the platform. 2. A formal, specific explanation written by a human compliance officer detailing the exact transaction, date, and rule I supposedly broke to deserve a permanent ban. I will not accept another automated response telling me the decision is final. I expect this matter to be escalated to a corporate representative who can review my actual account history, acknowledge that a mistake was made, and fix it. Sincerely, XXXX XXXX XXXX : $ XXXX Phone Number : XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation