vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
There are XXXX related transactions that I contacted Cash App support to reverse/cancel once I realized that I'd been scammed for a large total amount ; the payments I made are for {$400.00}, {$160.00}, {$90.00}, and {$150.00}. Cash App support said that they wouldn't refund my money or reverse the transactions so at their direction, I opened dispute cases for all XXXX transactions and included screenshots of texts where the scammer actually admitted to lying to me to get me to send additional money. they advised me to wait up to XXXX business days for a resolution. I waited nearly XXXX weeks for them to finally resolve my claims, but I'd heard nothing after all that time. After XXXX days passed, I had to reach out to Cash App for them to then tell me that disputes apparently take XXXX days, which is absurd and wildly different from what I was initially told. Today, I found out that they denied my dispute even though I submitted proof and admission of a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NM

Complaint narrative:
PNC Bank has mismanaged the servicing of my mortgage. On XX/XX/year> they debited my bank account for a XXXX payment after I had made a payment on XX/XX/year> leaving a balance of {$0.00}. A XXXX Homeowners policy was purchased for {$2700.00} without making every attempt to contact us while being privy to our phone numbers and email. We have had Homeowners insurance for XXXX years without a lapse. My payment has always been due on the XXXX of every month. They can't explain why it became the XXXX. I've had conversations with PNC customer support on XX/XX/XXXX, XXXX & XXXX. On every occasion I have told PNC that I don't want them to service my mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
One of my uncles sent me {$500.00} to my XXXX account on my Navy Federal Joint Owned Checking Account with the account numbers : XXXX. Navy Federal flagged it as fraud because they don't know who the sender is, and now that it's been a couple of weeks since that incident happened, when that {$500.00} XXXX came in on XX/XX/XXXX, the date is now XX/XX/XXXX, which is when I'm writing this description of this incident. I tried calling the bank 's Security Department today to see if I could pick up the XXXX dollars at a nearby branch, and they said that I couldn't because I have to verify and approve the sender since it is my account that the money is being sent to, as I am the owner of the bank account that {$500.00} is being sent to. So I wanted to write here, I do know the sender, so I can verify and approve the money and regain online access to my account again, and lift that credits-only restriction on my account. The sender I am verifying is an out of state student who went to XXXX in XXXX with me who was in my one of my classes during Spring Semester XXXX and this past Month during the weekend before finals week at end of the week of first week of XXXX I asked them after class during lunch if they could XXXX me {$500.00} to buy a gift for my Mom in a local store in downtown XXXX during the next day which was the Sunday before finals weeks and they said yes. They then asked me for my email and phone number to the XXXX and told them and siad its XXXX and XXXX. They said " thanks '' and I said " your welcome '' and then they said that they dp n't {$500.00} and the would have send it after finals week and they asked if thats fine with me and I said its fine and then I recieve money on Monday XXXX and decided go shopping teh same day when I realized that the bank flagged that as fraud which I though was unfair because that money from my friends from college named XXXX XXXX and they wanted me to use it buy a belated XXXX XXXX XXXX gift fro my Mom since I received it after XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that all companies listed below immediately cease and desist all communication with me regarding this alleged debt, except as allowed by law. According to FDCPA my collections should not be reported as open because I never opened an account with these collections agencies. FDCPA 807 says you are allowing a false representation of this debt, and it needs to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am formally filing a complaint against Santander XXXX USA regarding their failure to provide necessary title documentation for my financed vehicle, which has directly prevented me from legally registering and operating my vehicle. My vehicle remains actively financed through Santander, and I am continuing to make regular payments on the loan. XXXX XXXX previously required a VIN verification due to an old tow/impound hold issue. That requirement has since been completed and cleared. Despite the matter being resolved, Santander has still failed to provide me with a copy of the title or otherwise assist me in obtaining the documentation necessary to legally register my vehicle. I work in multiple states and travel frequently for work, so I am not requesting that Santander transfer the title directly to XXXX specifically. I simply need the proper title documentation or copy necessary to complete vehicle registration in the appropriate state. Because of Santanders ongoing failure to properly assist with this matter, I have been unable to legally register my vehicle for an extended period of time. This has now resulted in : * An expired registration/tag * Multiple traffic stops by law enforcement * A traffic citation issued for expired registration * Ongoing fear and distress while driving due to repeated police stops * Significant disruption to my ability to work and travel I have made repeated efforts to resolve this issue directly with Santander, yet the matter remains unresolved. I believe Santander has failed to reasonably assist a paying customer with obtaining necessary title documentation for a financed vehicle, despite there being no valid reason preventing them from doing so after the XXXX XXXX verification issue was resolved. I am requesting that Santander immediately : XXXX. Provide the proper title documentation or certified copy required for registration purposes ; XXXX. Clarify the exact status of the electronic title and any remaining restrictions ; XXXX. Expedite any remaining title processing necessary so I XXXX legally register my vehicle immediately. This ongoing delay has caused unnecessary hardship, financial harm, repeated law enforcement interactions, and significant emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Reference to Prior CFPB Complaint : I am submitting this follow-up complaint/request for clarification regarding the CFPB Consent Order involving Block, Inc. / Cash App ( CFPB File No. XXXX ). My prior CFPB complaint ( XXXX ) was administratively closed after Cash App responded . However, Cash Apps written response expressly stated that my complaint was related to the CFPB Consent Order and further stated that the agreement included compensation for certain affected consumers. Following the closure of my complaint, I repeatedly contacted Cash App/Block through phone calls, support channels, and follow-up inquiries attempting to identify any department, administrator, or contact specifically handling the CFPB-related restitution/redress component referenced in Cash Apps written response. To date, I have also spoken with CFPB representatives regarding this issue. When contacting CFPB, I am provided with a phone number for a contact associated with the Consent Order matter. However, the contact number provided appears to be solely for individuals involved in the separate class action settlement process unrelated to the CFPB Consent Order. The contacts reached through that number have repeatedly indicated that they are unaware of any CFPB-related restitution/redress component and have no information as to whom I should contact regarding the CFPB-related consumer compensation referenced in Cash Apps written response. I am therefore requesting clarification regarding : whether there is presently an active CFPB-related restitution or consumer redress process connected to CFPB XXXX XXXX. XXXX ; whether affected consumers are being separately identified or contacted ; and whether there is a designated department, administrator, or contact responsible for handling the CFPB-related consumer compensation component referenced in Cash Apps response. As noted above, I had previously submitted extensive supporting documentation, including transaction records, phone logs, communications, prior legal correspondence, CFPB records, and Cash App correspondence. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am submitting a formal consumer complaint against Affirm , Inc. for failing to properly investigate and provide a manual dispute override for a clear case of merchant fraud, deceptive marketing, and contract timeline manipulation regarding Loan/Case Number XXXX. The merchant, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, explicitly engineered a mandatory XXXX contract fulfillment timeline before a consumer is legally eligible to invoke their " 100 % Money-Back Guarantee. '' Because the contract legally required me to complete a full year to evaluate the service results, it was structurally impossible for me to file a dispute within Affirms automated XXXX cutoff window without breaching my own agreement. Now that the XXXX period has concluded, the merchant has explicitly refused to honor the refund guarantee and has quietly deleted the policy from their public website to escape financial liability. Furthermore, the merchant fundamentally failed to deliver professional services, rendering the contract breached. Specifically, they delivered a defective physical product ( misspelling my official artist brand name on the front cover of their physical magazine feature ) and funneled me into predatory, unvetted " pay-to-play '' scam showcases where I was charged entry fees at the door just to perform, instead of providing the professional " paid bookings '' advertised. Affirms standard support and supervisor tiers acknowledge the severity of the situation but state that their customer service desktop software locks them out of manually overriding the XXXX limit for this product category. By allowing a rigid, automated XXXX rule to apply to complex annual service contracts, Affirm is actively enabling predatory merchants to use XXXX timeline requirements as a structural shield to evade consumer dispute accountability. I request an XXXX review of this contract manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was under a promotional plan in XXXX to not pay interest on the comenity bank XXXX XXXX credit card until XXXX. I bought an additional item which was under a different promotional plan no interest for a year. I was making additional payments to pay off both balances prior to being charged interest in addition to having an automatic payment set up well above the amount needed to pay them off. Everytime I made an additional XXXX time payment their system then did not keep the automatic payment for that month when an additional payment was received. There was no alert sent to me that undid or cancelled my auto pay for that month. They also would not allow me to allocate the XXXX time payment to pay off the balance that would end sooner and accrue interest earlier. They never notified me that they were not putting money towards the one ending sooner. Ive tried to resolve on the phone and pay full balance of the amount accruing interest but they will not arrange the payment as such. I moved in XXXX XXXX and have not received statements and I have requested these which they refuse to send. The pdf statements on their website and app show up blank. I am not sure how to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts are fraudulent and disputed. Please remove them after investigation. Documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EdFinancial Services
State: MS

Complaint narrative:
EDFINANCIAL started billing for students last year. Its been years since they stopped billing for awhile and I have had a new bank and phone number since then. I noticed the first late payment and called Ed financial to pay the balance and set up auto pay. I gave the rep my account number and routing number and the other billing information she needs. She said it was set up. I followed up with Ed financial a month later since I saw no charge in my bank account, to check on status of my bill and make sure auto pay was working. The rep at this time stated auto pay had not been set up and its another late payment, so I gave her my account information again to set up auto pay and paid off the late fees. The rep then states that auto pay will start paying the balance after 3 billing cycles. I told her you have my banking information pull the balance when its due, that I have never seen any company wait 3 months for auto pay to start working. She sounded dismissive so I again stated you have my billing information, the money is there, pay when its due. And we ended the call. I noticed that Ed financial reported following 3 months as late and as well a random month in XXXX ( Ive never not had enough any of these months to pay the bill ). I would to file this formal complaint for their negligent billing practices, XXXXm trying to buy a home and I have 4 late payments on my report when I have never missed a payment on all of my accounts and credit cards. Since Ive opened them. I later called Ed financial again to have them explain all of the late payments they are reporting and she was rude with XXXX empathy and stated We didnt receive the payment, so its late. Even tho they chose to not take the payment. If there is anything else you would like from me, you can reach me at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
b'I am requesting assistance regarding a collection matter involving an unemployment over payment that has already been fully repaid through the XXXX Unemployment System.\nI previously had an unemployment balance. Later when I became unemployed again, the unemployment agency withheld my benefits and applied all payments toward the overpayment balance until the debt was fully satisfied. Every dollar owed was paid directly through the state agency.\nHowever, before I was ever given a fair chance to know there was an amount owed, to make payment arragements, or to be properly notified, the account was sent to a collection agency. This agency charged a fee of more than XXXX dollars for a debt that was never presented to me! No excuse, my email and phone number have changed, and my all of my other mail had no issues following me! Now that the balance has been paid in full they are still calling my phone constantly trying to collect the full balance plus the collection fee that would not exist had they contacted me by phone, email and or first class mail.\nThe UCB collection agency (phone number XXXX) representatives name is XXXX, demanded documentation showing the unemployment debt was paid. I provided proof from the government website, yet they are still calling me and continue to report and treat me as if the account is unpaid. \nI believe this conduct is improper and unfair! I am asking your office to investigate the following:\n1. Why the account was sent to collections before proper notice or payment arrangements were provided;\n2. Why collection activity continues after the debt is paid in full\n3. Whether the collection agency is improperly reporting inaccurate information regarding this account; and\n4. Assistance in ensuring this matter is corrected immediately.\nThis situation has caused me unnecessary stress and hardship. I respectfully request that the collection agency cease immediately and that any negative collection reporting relating to this debt be removed and corrected. \nI have attached the SAME copies to you as I did for them, showing that the debt was satisfied through unemployment benefit offsets. To date this collection agency that was authorized by the XXXX Unemployment office to harasses me will not correspond in writing. \nThank you for your attention to this matter. \nSincerely,\n\nXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford is guilty of Tila. They are charging me a deficiency amount that is illegal actions. They violations of Truth in lending act by collection attempts of unearned interest. Fees ... Didn't have my account number on hand so put my ssN-ref-last4 # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We had a HELOC in XXXX that we filed XXXX XXXX bankruptcy on in XXXX. The original servicer was XXXX XXXX XXXX. They were present at the court and agreed to not pursue this any further after the discharge. This was a loan / lien strip. We heard nothing from them after this point - not a statement, phone call, tax document for almost XXXX years. It wasn't reported on our credit. Then suddenly XXXX months ago we start getting mail from Shellpoint. We had never heard of them. We're guessing they bought the old dormant zombie loan from XXXX. They have communicated over a phone call threatening actions. Never gave us an itemized break down of anything, or told us how they came to have the loan - there was nothing between the XXXX bankruptcy and now. How can someone just pop up after almost XXXX years stating we owed XXXX XXXX XXXX XXXXXXXX the amount of the original loan because of interest, fees, etc. when we didn't even know there was a problem for XXXX years almost XXXX years. I looked into it on XXXX and Shellpoint acquired XXXX XXXX XXXX only in XXXX. So there was NO communications between Shellpoint and myself. They haven't followed any of the criteria for pursuing this matter. We want no further communications from Shellpoint. A cease and decist. We want the matter closed and the lien removed as agreed upon in XXXX by XXXX XXXX XXXX in Bankruptcy court with the lien strip motion was agreed upon in which they were present.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In XX/XX/2025, there was an offer with Capital One Bank when I open an account with {$30000.00}, maintain it for 90 days and make XXXX deposit with ACH, Ill receive {$1000.00} as a bonus. I only received {$500.00}. Every time I call they tell me we will check, its been over XXXX months now and it was supposed to take XXXX days only as they said in the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had payed off an instant loan through Chime bank on XX/XX/XXXX of this year. I called chime in late XXXX to ask for a charge off letter or something stating that the loan was paid off and was told they dont have an email to send a letter too and they dont do that. And my credit report shows its not been paid and is XXXX months delinquent

Company response to consumer: Closed with explanation