vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
I was logged out of my account yesterday XX/XX/year> at XXXX a.m and again at XXXXXXXX XXXX  with new devices logging into the account and started requesting funds from my XXXX XXXX from my cash app account. 
After unsuccessfully transferring from XXXX XXXX, they started redrawing and sending and doing shady transactions in the account. 
A company that doesn't exist called " XXXX XXXX '' and " XXXX '' now redrew {$360.00} and {$11.00} respectively. Also a few couple of {$1.00} transactions from one " XXXX XXXX '' and " XXXX XXXX '' as well as borrowing from Cash app in my name. 
It's surprising that I've been offered to borrow from cashapp but has never tried till XX/XX/year> and I chose to pay in installments with first installment paid on time, and I now brought money from my XXXX XXXX which exceeds the amount I borrowed from cash app but was going with the plan. 

Now suddenly, after I put the amount, all of a sudden my account is compromised by a nonexistent company, and cashapp still went ahead to send me repayment notice after I reported yesterday. 
I reported right when I was able to retrieve my account from cashapp yesterday and saw all my money was gone and they were supposed to flag the transaction but I'm suddenly finding myself owing them. When I reported by calling, the transaction was still pending and I was assured they're working on it only to wake up today to get an email from cashapp telling me my transaction is complete with the {$360.00} whilst the {$11.00} is still pending. I quickly started calling them again and they kept on using automated voice to inform me they're busy and hanging up. I tried chatting and it seems I'm chatting with a bot that keeps repeating same statements. 
I was also given a fake case number by rep XXXX yesterday, as the supposed rep I chat with today who gave her name as XXXX gave same number out when I requested for her ID number. 
I've told them all I need is my money. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: OH

Complaint narrative:
On XX/XX/year>. The 4th debt collection agency, Ability Recovery Services, tried to collect a medical debt of {$510.00}. In XXXX of 2025, the 3rd agency, XXXX XXXX XXXX also attempted to collect this debt. I called the hospital billing department and they said my balance is {$0.00}, the debt collector shouldnt be collecting this debt anymore. I informed XXXX XXXX debt collection agency of this, which they confirmed with the hospital and said my debt and derogatory account was set for deletion. 
On XX/XX/XXXX, the agent from Ability Recovery Services, attempted to use deceptive reasons to collect this debt. After I informed them that the hospital had already told me the account balance is {$0.00}, there is no debt to collect. He gave me the XXXX reason that there are two separate bills, one from the hospital and one from the doctor. Since when do doctors send a separate bill? So deceptive!

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 2025-12-31 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: Credit Karma, LLC
State: CA

Complaint narrative:
XX/XX/XXXX first a charge for XXXX thats pending sending charge right after for XXXX thats pending and XXXX for XXXX that was denied I instantly called my Credit Karma customer service and they told me there was nothing they could do that I had to let it post call back and try and despute it and after all thats done Ill have my money back inXX/XX/XXXXdays and when I asked why unauthorized purchases were able be go through were even possible of that high amount without the authorization email I always get

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In my previous complaint, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : FollowUp Response Request for Verification Records and Clarification of ThirdParty Disclosure I am submitting this followup response because the company did not address the core issues raised in my complaint. 

My complaint concerns the disclosure of my personal information and debt details to a third party at an email address that does not belong to me and was never provided by me to the original creditor or any subsequent entity. This is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically the prohibition on thirdparty disclosure. 

In its response, XXXX XXXX XXXX ( XXXX  ) : Did not identify the entity that allegedly provided the incorrect email address Did not provide any verification records or internal notes showing how the email address was validated Did not describe its procedures for confirming consumer contact information before sending sensitive debt communications Did not address the fact that the email recipient is not a coborrower, authorized party, or individual connected to the account Did not address the thirdparty disclosure itself XXXX  statement that the email address we received was provided in relation to the account is insufficient without documentation. I am requesting : The name and contact information of the entity that provided the incorrect email address The date and method by which XXXX received this email address XXXX  verification procedures for confirming consumer contact information Internal notes, logs, or records showing how XXXX validated the email address before sending debt information Closing the file and returning it to the original creditor does not resolve the disclosure that has already occurred. 

I request that the CFPB require XXXX  to provide the above information and address the thirdparty disclosure directly. 

Thank you for your continued review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had an Experian digital checking account or smart money digital account and I told them that somebody was accessing my account and I sent them all the information of my identity to prove who I was they closed the account and they were going to direct deposit into another account but I had gotten into the hospital due to a car accident and I lost my leg etc etc and when I tried to call them back and get my money it's like they don't want to pay me my money that was left over in my account.

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 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Company he's called and harassing family members through emails and phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
Unauthorized ATM transaction for {$200.00} and {$80.00} on XX/XX/year> 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
XXXX XXXX business bill of {$110.00} in full XXXX  days before due date. Also had an issue where personal account payment was erroneously applied to business and not properly noted as overpayment/credit. Upon next billing cycle transfer of the misposted personal payment wasn't allocated properly and {$110.00} payment was not deducted and applied to XXXX balance. Please see attached letters, bills of XXXX, XXXX, and XX/XX/2025, and related notes. This mattered occurred when I submitted a complaint to CFPB over the harassment and misuse of my business TIN by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute this debt. I do not owe this money. This balance is invalid because the original landlord breached the XXXX XXXXXXXX XXXX  XXXX and the lease agreement. 

All rent was paid, the amount in question is due to " not enough notice '' that I wasn't re-upping my lease. I was not given the same courtesy when it took XXXX  months to get my mailbox key, or i was told the bats flying around my apartment " were protected '' so they couldn't do anything about it. I was forced to vacate the unit because it was uninhabitable. The landlord failed to maintain the property in a safe and sanitary condition, as proven by the following evidence ( attached ) : Exhibit A : Photo of fungal growth ( mushrooms ) in the living room carpet, proving severe water saturation and biological hazards. 

Exhibit B : Photo of the ceiling collapsing above the shower due to unaddressed leaks. 

Exhibit C : Public Records from the XXXX XXXX  XXXX XXXX ( Case XXXX XXXXXXXX ) showing " Resolved '' code enforcement cases during my tenancy, confirming the landlord was cited for maintenance failures. 

Collecting on a debt where the service ( housing ) was not provided as legally required is a violation of the FDCPA. 

I demand that you : Delete this account from all credit bureaus immediately. 

Close the file as " Invalid/Disputed. '' Send me written confirmation that no further collection attempts will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Incident Date : Tuesday XX/XX/XXXX Company Name : Resurgent Capital Services Description of Incident : On Tuesday XX/XX/XXXX, I received a mailing from Resurgent Capital Services intended to be a confirmation of alleged debt. While the cover letter was addressed to me, the attached sensitive documentation ( including account numbers, debt totals, and personal history ) belonged to another consumer.

This incident constitutes a significant privacy breach and a violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, 1. Third-Party Disclosure : The agency disclosed private financial information of another consumer to me.

2. Failure to Validate : By sending documentation that does not match my identity, the agency has failed to provide legally sufficient validation of the debt they are attempting to collect from me.

3. Identity/Mixed File Risk : The fact that my cover letter was attached to another person 's file suggests a " mixed file '' error in the agency 's database. This creates a high risk of inaccurate reporting on my credit files and a potential breach of my own personal data to others.

I am requesting that the CPFB investigate this agency 's data handling practices and ensure that my credit remains unaffected. Given the severity of the privacy breach and the evident corruption of the agency 's records, I am seeking a total dismissal of the alleged debt and a permanent deletion of the account from my credit reports to resolve this matter without further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, I am writing to formally dispute the accuracy of the following collection account currently appearing on my Equifax consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and Metro 2 reporting standards.

Disputed Account Information Collection Agency / Furnisher : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Account number : XXXX Balance Reported : {$1300.00} Account Status : Open Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Responsibility : Individual Remarks : Consumer disputes this account information Reason for Dispute This account contains inaccurate, inconsistent, and/or unverifiable information, including but not limited to : Failure to properly verify ownership of the alleged debt Incomplete or inaccurate reporting under Metro 2 compliance standards Failure to provide verifiable documentation supporting the reported balance, account status, and reporting dates Potential inaccuracies related to the Date of First Delinquency ( DOFD ) and reporting timeline Under FCRA 611, Equifax is required to conduct a reasonable investigation and verify the accuracy of all reported information with the data furnisher.

Demand for Action If XXXX XXXX XXXX can not fully verify this account with competent, documented proof, including original contracts and complete account history, this account must be deleted from my Equifax credit file. 

Please complete your investigation within 30 days, as required by law, and provide me with written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am disputing XXXX ACH debits from my SoFi account in the amounts of {$1000.00} and {$8700.00} related to a solar installation contract. 
I have a written contract with the merchant that explicitly states payment is authorized only after permitting is obtained. Permitting was never obtained. No services were rendered, no equipment was delivered, and no work was initiated. 

Despite this, the merchant initiated ACH debits against my account.

I timely disputed the transactions with SoFi and provided the written contract showing the conditional authorization and the merchants complete failure to perform.

Banks response : SoFi denied my claim and stated that this is a civil dispute involving service quality or non-receipt and therefore outside the scope of the ACH networks rules. SoFi refused to credit my account and closed the matter.

I submitted multiple written rebuttals clarifying that this is not a service quality or non-receipt dispute. No services were provided at all, and the contractual condition authorizing payment was never satisfied. I also requested escalation to SoFis ACH/back-office compliance team. SoFi maintained its denial. 

Why this is a regulatory issue : This dispute is not about dissatisfaction with services. It is an authorization failure. 
Under XXXX Rule XXXX, an ACH debit must be authorized and must conform to the terms of the authorization. In this case, authorization was expressly conditioned on permitting, which never occurred. As a result, the merchant did not have authority to initiate the debits. 

This places the transactions within XXXX return eligibility, including XXXX ( Entry Not in Accordance With Terms of Authorization ) and potentially XXXX ( Unauthorized Debit ). 

SoFis denial appears to rely on a categorical misclassification of the dispute as a civil matter, without addressing whether the ACH debits complied with the authorization terms. Treating an authorization violation as a service quality dispute improperly narrows the scope of the banks investigation. 

Supporting documentation available : Written solar contract showing payment conditional on permitting Proof that no permitting was obtained Proof that no services were rendered SoFi denial correspondence Written rebuttals requesting escalation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: TX

Complaint narrative:
I am writing to provide an explanation regarding a hard inquiry that appears on my credit report from Republic Finance in North Carolina, XXXX This inquiry was made without my knowledge or permission and may be the result of identity theft. I have taken steps to protect my identity and have filed a report with the Federal Trade Commission ( FTC ) and/or local law enforcement. I respectfully request that this inquiry be removed from my credit report as it was not initiated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
XXXX  is reporting an auto debt from XXXX  with a balance of {$12000.00}. It is being reported as debt 100 % paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The company allowed someone else to take out an account in my name illegally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NEW YORK COMMUNITY BANCORP INC
State: TN

Complaint narrative:
On XX/XX/year> I Initiated an external transfer of {$10000.00} from my Flagstar HELOC via an attached Flagstar checking account to be sent to my external XXXX  XXXX XXXX account. The transfer was never completed and I received an email stating this. I have uploaded a copy of the email. I have uploaded a copy of the statements from the HELOC and XXXX  XXXX XXXX XXXX. The statements show the money being drafted from my HELOC and never being transferred to XXXX  XXXX XXXX. 

The transfer was never completed but {$10000.00} was drafted from my HELOC on XX/XX/year> and has not been reversed. 

I first contacted Flagstar, the HELOC servicer, and XXXX  XXXX XXXX on XX/XX/year>. I was told by Flagstar that a case number was opened : XXXXXXXX XXXX XXXX XXXXXXXX showed no deposit and recommended I get the XXXX XXXX numbers and call Flagstar back which I did. I again called Flagstar on XX/XX/year> and I was told the original case was closed when I spoke with XXXX who opened a new case, number XXXX. I again called Flagstar on XX/XX/year> and XXXX number XXXX was opened by XXXX. 

At this point I have paid over {$70.00} in interest on {$10000.00} which was drafted from my HELOC on XX/XX/year> and I have not received the {$10000.00}. It is neither in my Flagstar Checking, XXXX checking, or the HELOC. The money appears to be missing and I am paying interest on it everyday.

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 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
PayPal provides XXXX of deferred interest promotions on purchases of {$150.00} or more. When making payments, they apply the full amount to the promotional purchase amount 2 months prior to the expiration, and do not offer the ability to apply the payment differently. Here 's an example : Promotional purchase has a balance of {$660.00}, expiring on XX/XX/year> Purchases made in XX/XX/year> total {$500.00} ( statement date XX/XX/year> ) Payment made on XX/XX/year> of {$600.00} This payment should be applied to the {$500.00} first, and the balance of {$95.00} applied to the promotional purchase, as that does not expire for 2 months. This would allow the borrower to pay off the remaining {$560.00} of the promotional purchase, plus any purchases made through XX/XX/year> to avoid paying interest on those amounts. 
PayPal applies the entire {$600.00} to the promotional purchase amount, because it's expiring within two billing cycles, so they are able to charge interest on the {$500.00} in purchases. The next month, the additional purchases accumulate, and if there is another promotional purchase expiring within 2 billing cycles, they apply the payment to that first, allowing the purchases, and interest, to continue accumulating. 
Borrowers should be able to leverage the FULL 6 months for their promotional purchases, if that's their choice. 
The statements they provide are misleading as well, as they instruct the borrower to pay the standard purchases off, plus the total of all promotional purchases expiring within the next XXXX billing cycles, in order to avoid interest charges. If the borrower is being given 6 months to pay the balance on a promotional purchase, they should not be required to pay it off in 5 months to avoid interest charges.

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