vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year> I received an email from cash app ( XXXX pm ) support indicated my debit card was removed from my cash app acct. The email noted that if this transaction was conducted without authorization to contact the cash app support team. At XXXX I contacted cash app support and informed them this change was not conducted by me. While on the line, the sponsorship cash app acct I sponsored for my son was removed. At XXXX pm a request was made for transfer of XXXX. I informed the rep that while on the line. My cash app acct was locked so no payments should have been allowed to be taken. However, at XXXX pm XXXX was removed from my acct and transferred to someone's who alleged that I committed fraud on them. I remain on the line for XXXX additional minutes while multiple transactions were being conducted which ultimately resulted in my cash app acct being closed. I have made several efforts over the past month to get my money back but have been unsuccessful. Each time I follow up they claim my issue is being " escalated, '' and " they are unable to transfer me to a manager or someone higher up. '' I have been provided XXXX different complaint numbers, and XXXX different case numbers which does not make any sense. XXXX  days ago my case was closed with no answers to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I have been a PayPal customer in good standing for XXXX  years ( since XXXX ). On XX/XX/XXXX, my account was permanently deactivated for 'unusual activity ' without context. I believe this is an automated 'false positive ' following a legitimate 'Item Not Received " ( INR ) dispute I filed against a fraudulent merchant. I contacted customer support on XX/XX/XXXX, but the agent stated they could not see the reason for the ban and that no appeal process exists. This lack of transparency and refusal to conduct a manual review for a long-standing account has caused me significant financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint as a new case because my prior complaint, XXXX XXXX. XXXX, was closed without resolution. This new submission is being made personally by me, the affected consumer. 

I want to state clearly and unequivocally that I am the individual who personally submitted this complaint. No third party, credit repair company, representative, agent, or outside organization is involved in this matter in any way. I did not authorize anyone else to act on my behalf, and no authorization from any other party is required. 

The assertion that there is an unauthorized third party involved is incorrect. I submitted the complaint myself through the official complaint system and am exercising my own consumer rights. Any request for third-party authorization is therefore unnecessary and should not delay the handling of this complaint. 

This clarification is being provided so that the company may proceed with responding to the substance of my complaint without further procedural delay. I am requesting that this new case be handled on its merits and that no further claims of third-party involvement be raised, as they are factually inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
b'Its XXXX  I keep getting information dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: AMERISAVE MORTGAGE CORPORATION
State: MA

Complaint narrative:
In XX/XX/2025, my wife and I contacted Amerisave Mortgage in good faith to seek temporary assistance due to an unexpected, short-term financial strain. At that time, we were explicitly advised that we would need to be at least XXXX months delinquent before we could apply for any available assistance. We had never missed a payment and were not at risk of default. 

Relying on this guidance, and as is reflected in our hardship statement, we withheld payments solely to meet the stated eligibility requirement and submitted our mortgage assistance application immediately upon meeting that requirement in late XX/XX/2025. 

In late XX/XX/2025, we received and accepted a loan modification agreement and entered a XXXX XXXX XXXX. We made every required payment on time throughout the trial period, which concluded in XX/XX/2025, and we have continued making all payments as agreed since then. 

Despite our full compliance, Amerisave reported up to XXXX consecutive months of missed mortgage payments, including multiple entries reported as over 120 days delinquent. These delinquencies occurred only because we followed Amerisaves instructions during the loss-mitigation process. The account now shows as Current, but the historical delinquency reporting remains and has caused severe and ongoing credit damage. 

We have attempted to resolve this directly with Amerisave and through disputes with all three credit bureaus. The bureau disputes were verified as accurate based on automated system data and did not address the servicers role in directing payment withholding during the modification process. 

We are requesting that Amerisave review the full account history, acknowledge that the delinquency reporting resulted from servicer-directed loss mitigation activity, and correct or remove the associated negative credit reporting, as it does not fairly or accurately reflect our payment behavior.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: TX

Complaint narrative:
Around XXXX AM XX/XX/XXXX I receive an email informing me of the suspension of my digital wallet. I call promptly to at least be able to withdraw my money back into my bank account and to inquire the reason for my suspension. They refused to provide any information on the suspension and despite proving my identity, whatever algorithm they use to automatically flag accounts, continuously reflags my account and prevents me from withdrawing my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center . continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a XXXX XXXX device. I returned the device on XX/XX/year>, well within the applicable return period. Proof of purchase and proof of return are attached. 

Despite the successful return, XXXX failed to properly close the account. As a result, the account was incorrectly sent to collections. For more than XXXX year, I have received repeated collections calls regarding this matter. 

This incorrect collections activity has negatively impacted my credit score, even though no balance should exist. I have made multiple attempts to resolve this issue by providing documentation, but the problem has not been corrected. 

The prolonged collections activity and credit damage for a returned device has caused significant stress and hardship. This issue is the result of XXXX failure to update its records accurately after the device was returned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC
State: MD

Complaint narrative:
The debt collector refused to provide a mailing address or written validation unless I provided SSN/DOB. Despite this, they are reporting the debt to credit bureaus. I am requesting investigation and removal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX PM, I attempted to withdraw {$600.00} from my Cash App balance to my linked external bank account. 

I did not intend to initiate an instant transfer. When initiating the withdrawal, the app only displayed an option labeled XXXX. I selected this option believing it would lead to additional choices ( such as a standard or non-instant transfer ). Instead, the transaction was immediately processed without any secondary confirmation or opportunity to select a standard transfer option. 

As a result, Cash App processed an instant transfer, charged an instant transfer fee of {$10.00}, and transferred a net amount of {$580.00}. The transaction is marked as Instantly transferred in the app. 

At no point during the withdrawal process was I presented with : A clear choice between instant and standard transfer options A confirmation screen explicitly disclosing that a fee would be charged before submission An affirmative consent step confirming my intent to complete a fee-based instant transfer After the transaction processed, I contacted Cash App through in-app support to report that the instant transfer was unintended and resulted from the apps interface and flow. Despite providing the transaction details, timestamps, and reference number, the responses I received were generic, repetitive, and did not address the issue of consumer consent or interface design. 

I then contacted Cash App by phone. During this call, I was transferred between departments ( from Account XXXX to XXXX support ). The agent ultimately informed me that the instant transfer fee could not be refunded, without providing a substantive explanation or addressing the lack of consent or disclosure that led to the fee being charged. 

This complaint is submitted due to : Processing of a fee-based instant transfer without clear consumer intent or affirmative consent Insufficient disclosure and absence of a confirmation step prior to charging a fee Inadequate customer support handling, including refusal to refund a fee resulting from app design I am requesting that Cash App / Block , Inc. : Refund the instant transfer fee charged without my informed consent Provide a clear explanation of why the transaction was processed without a confirmation step Review and improve withdrawal flows to ensure consumers are not charged fees without explicit approval Supporting screenshots of the transaction details and support communications are available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I purchased an XXXX XXXX XXXX XXXX  package from XXXX XXXX XXXX for {$2500.00} ( this was the rest of the deposit from a total of {$3100.00} ), charged to my Capital One XXXX XXXX XXXX XXXX XXXX card. The service was advertised and sold as XXXX XXXX. During a phone consultation, the merchant advised that approximately XXXX XXXX  would be required for near-complete removal. 

I received XXXX sessions on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, when I attempted to continue treatment and schedule additional sessions, I discovered that the merchant had permanently closed and was no longer operating. The closure made it impossible for the merchant to provide the remaining services included in the unlimited package. I did not cancel the service and did not request a refund while the business was operating. 

I filed a dispute with Capital One for services not rendered due to merchant closure. Capital One denied the dispute solely on the basis that the transaction date exceeded 60 days, without considering that this was an unlimited service with no end date and that the appropriate discovery date was XX/XX/XXXX, when I learned the merchant could no longer perform the service. 

I am requesting reconsideration of this dispute under the correct classification of services not rendered due to merchant closure and a reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: PA

Complaint narrative:
Ive disputed this account before and had it removed from my credit report. This account was open fraudulantly in XXXX. Ive lived in XXXX  since XXXX. I currently reside at my location for XXXX  years. Ive never been or lived in XXXX XXXX  ever. This account again after removing it is back on my credit. And apparently has been verified by the dept collector that im responsible for the dept. Its in my credit file that ive worked for local state and federal agencies all in XXXX  since XXXX till 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 2026-01-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Olympus1 LLC
State: MO

Complaint narrative:
I am filing a complaint regarding Alleviate Financial Solutions and the collection of fees I believe were unearned and improperly charged during my enrollment in their debt settlement program. 

I was enrolled in Alleviates program from approximately XX/XX/XXXX through XX/XX/XXXX. I enrolled approximately {$15000.00} in unsecured debt across multiple creditors. During my enrollment, only XXXX account ( XXXX XXXX ) resulted in a settlement offer. All other enrolled accounts remained unsettled. 

I cancelled the program before the XXXX settlement was completed. I am now making the remaining payments directly to the creditor without Alleviates involvement. Alleviate is no longer servicing or managing this account. 

Despite this, Alleviate collected {$860.00} in earned performance fees, along with repeated {$39.00} ACH fees that I understand to be associated with XXXX XXXX XXXX, as well as custodial and disbursement fees. I did not use XXXX XXXX XXXX services, and the majority of my enrolled debts were never settled. 

Because the settlement was not completed through Alleviates program and most enrolled accounts were never resolved, I believe a significant portion of the fees collected were not earned. Performance fees should only be collected for successfully completed settlements, and add-on legal or administrative fees should not be retained when services are not used or when the program is cancelled prior to completion.

I have attempted to resolve this matter directly with Alleviate and requested a fee review and refunds for unearned fees, but the matter remains unresolved.

I am requesting CFPB assistance to review whether Alleviate improperly retained unearned performance fees and add-on fees, and to help obtain appropriate refunds for fees charged for services that were not completed or used. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/year>, I entered into a XXXX  XXXX XXXX agreement in connection with a solar installation sold under time pressure related to the XXXX XXXX deadline. I was told on XX/XX/year> that I had to sign immediately to avoid losing eligibility, which later proved to be false ( the actual deadline was XX/XX/year> ). 

The sales representative represented that financing interest was included in the purchase price and that pricing was final. Based on these representations, I believed the total project cost, including an electrical panel upgrade, was {$30000.00} inclusive of financing. I later discovered that interest was not included as represented and that my total financed obligation was materially higher. 

Additionally, the electrical panel upgrade was verbally quoted at approximately {$2000.00}, but the final agreement contained no itemized pricing and reflected a bundled price that was approximately XXXX  % higher than the amounts initially quoted. These increases were not disclosed or explained before execution. 

The project included installation of a required surge protection device that failed shortly after installation, resulting in appliance damage and out-of-pocket mitigation costs. After installation, the contractor ceased operations and provided no remediation or warranty support. 

The City-issued solar permit lists a project valuation of {$5600.00}, which was never disclosed to me during the transaction and is materially inconsistent with the amount financed. I have extensive documentation supporting these facts and will provide it upon request. 

These practices prevented me from making an informed financing decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
A credit card account was opened fraudulently in my name without my consent or knowledge. I did not apply for this account. After discovering the account, I contacted Capital One and reported identity theft. Capital One completed its fraud investigation, determined that the account was fraudulent, closed the account, and confirmed that I am not responsible for any charges. 

I requested application details and identifying information related to how the fraudulent account was opened for my records and for potential law enforcement use. Capital One declined to provide this information. 

I am submitting this complaint to request confirmation that all credit reporting related to this fraudulent account has been fully corrected and to ensure that all application records are preserved and made available to law enforcement upon request. I would like to know the information of the applicant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Caine & Weiner Company , INC. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Caine & Weiner Company , INC can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Caine & Weiner Company , INC .

Company response to consumer: Closed with explanation