vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Hi I opened up a bank account either ally bank and my account was recently locked because I called an asked an agent to change my address for me because my apartment that I put in my account I dont live their no more and the the next days my account was locked and everytime I call their asking me question that has nothing to do with me or my family background and when I I answer them with my really background its not working any Im getting mad about this issue and I want to recover my account its the agent fault why my account was recently locked

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 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX, MN XXXX Notice of Dispute, Request for Validation, Demand for Deletion of Credit Reporting, and Cease Communication To Whom It May Concern, I am responding to information your company has furnished to consumer reporting agencies concerning an alleged account associated with my personal information. I dispute this alleged account in its entirety and do not acknowledge, admit, or accept liability for any alleged obligation referenced by your company. This letter serves as a formal notice that : - I dispute the accuracy and validity of the alleged account ; - I request full validation of the alleged obligation ; - I demand removal of any inaccurate, unverifiable, misleading, or improperly reported information from all consumer reporting agencies ; and- I request that your company cease communication with me except as permitted by law. Please provide competent evidence supporting your claims, including but not limited to : - The name and address of the original creditor ; - The complete account history ; - Documentation showing I legally agreed to or incurred the alleged obligation ; - Proof of your legal authority to collect or report the alleged account ; - Verification that all information furnished to credit reporting agencies is complete and accurate. If you can not provide sufficient verification and validation of the alleged account, you must immediately delete any associated tradelines, collection accounts, remarks, or derogatory reporting from all consumer reporting agencies pursuant to the Fair Credit Reporting Act and other applicable laws. Additionally, pursuant to the Fair Debt Collection Practices Act, I request that Jefferson Capital Systems , LLC cease all communication with me regarding this matter except : 1. To provide the validation requested herein ; or 2. To notify me of specific legal remedies actually being pursued. You are instructed not to contact me by telephone, text message, email, social media, or through third parties. All permitted communications must be made in writing only to the mailing address listed above. Nothing contained in this correspondence shall be construed as : - An acknowledgment of any debt ; - A promise to pay ; - Acceptance of liability ; or - A waiver of any rights or defenses available under federal or Florida law. I reserve all rights and remedies available to me. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Someone stole my XXXX account and made fraudulent charges to my Bank of America credit card account. B of A denied my claim twice.

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 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MIDFIRST BANK
State: GA

Complaint narrative:
The closing attorney ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA ) and I, both requested a payoff statement from XXXX XXXX, A Division of Midfirst Bank, more than 10 days before scheduled closing on XX/XX/year>. We did not receive it and closing had to be rescheduled for XX/XX/year>. We made a second request for payoff statement on XX/XX/year>. I received an expired closing statement entered XX/XX/year> with an expiration date of XX/XX/year>, on XX/XX/year>. The closing attorney has delayed the 2nd closing scheduled for XX/XX/year>, due to no updated payoff statement by my mortgage company.

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 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
This is with Affirm regarding a company named XXXX. I ordered a XXXX XXXX XXXX XXXX. What I received was not the same as what they advertised. The medication came from a different pharmacy not known to me or not the same as advertised. The medication is not the same as to what I have asked, so I filed a dispute with proof of pictures and messages I sent that were unanswered. Days later, Affirm decided I should still pay for it. I told the merchant that I will return the items as they weren't really used. I used once but felt something off so I decided not to continue. Affirm sided with the merchant and still wants me to pay for it. I still have the medications untouched in my fridge. When I did labs after taking it, my labs were not normal. I am scared to take it but they will not accept returns. The merchant won't reply and getting someone on the phone is like a needle in a haystack. The answering machine is AI operated. I believed Affirn XXXX not do me justice and just sided with the merchant that has so many complaints that I have read. I found out about the complaints later after I did a research. The items I recieved was different from what as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, United Collection Bureau , Inc. ( UCB ) contacted me regarding an outstanding account. During our communications, UCB misrepresented their identity, leading me to believe they were the original creditor. Relying on this deceptive representation, I agreed to a settlement and paid them.Upon auditing my consumer credit profile later, I discovered UCB is actually a third-party debt buyer/collector. Furthermore, a formal license verification check with the Illinois Department of Financial and Professional Regulation ( IDFPR ) confirms that United Collection Bureau , Inc. does not hold a mandatory, active Collection Agency License in my home state of Illinois.Operating and collecting funds as an unlicensed debt collection entity in Illinois is a severe violation of the Illinois Collection Agency Act ( 225 ILCS 425/ ) and constitutes an automatic violation of the Federal Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S. Code 1692e. This statute explicitly prohibits utilizing deceptive means or threatening to take actions that can not legally be taken, such as collecting debt and credit reporting without a state jurisdiction license.Because UCB lacks the legal authority to operate or report consumer data in Illinois, this entire transaction is invalid and the credit reporting is entirely inaccurate. I have already initiated a dispute through the XXXX XXXX XXXX, but the issue remains unresolved. I demand a full refund of the funds collected unlawfully on XX/XX/year>, and the immediate, permanent deletion of this inaccurate tradeline from XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
In late XXXX my XXXX crypto/credit card was frozen without a stated reason, as a result i lost access to my credit card and the XXXX XXXX i had in crypto which i purchased at around XXXX XXXXXXXX. I have reached out to them 10+ times inwhich i never get past the XXXX in the first stage, inwhich i comply to the request of sending them a picture with my id and a given code, i am then sent a automated message about a human repersebtative reaching out with 1-2 buisness days. I have never been reached out to, nor has the issue been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, funds originating from my bank account were transferred through Cash App and converted into Bitcoin before being sent to external wallets under false pretenses as part of a scam involving false promises. My Cash App records show multiple Bitcoin-related outgoing transactions and confirmed external Bitcoin withdrawals connected to this activity. The Cash App accounts involved are now closed. I attempted to work with Cash App support regarding the transactions and requested assistance related to the Bitcoin transfers, but I was unable to recover or reverse the transactions back to my current account. I also reported the matter to my banks, the FTC, CFPB, and local law enforcement. My banks reviewed the transactions and denied reimbursement on the basis that the transfers were authorized, even though they acknowledged that I had been misled as part of a scam. I am submitting this complaint so the matter can be formally documented and reviewed regarding the handling of the Cash App and Bitcoin transactions connected to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I bought about {$400.00} worth of bitcoin through XXXX. It sits in my XXXX crypto account. When I tried to transfer it to my sons crypto account the app kept giving me the same error, something is not working. Ive tried one time each day for seven days. Ive followed all the instruction to verify myself by uploading my ID and face picture. I called customer support and some robot answered with unhelpful suggestions I texted someone supposedly real and they said protect people would get back to me within two weeks by email. This is unacceptable. Its my money and they have virtually appropriated it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
In approximately XXXXXXXX XXXX XXXXXXXX my Cash app account was closed randomly. I never used it for any nefarious activity. I only used it as an everyday spending account. Upon account deactivation I appealed it with support and they told me that I had violated a term of service and declined my appeal. Tonight XX/XX/XXXX I tried to access it again and requested the reason it was closed and support refused to give me a reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have an outstanding balance with Chime that is affecting my credit report. It is reporting a new late payment each month. I contacted chime to pay the balance and they told me there is nothing I can do, that I would just have to try and dispute my credit file. The balance owed is {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Chime regarding a non-delivery issue with a merchant after the merchant became uncooperative and would not resolve the matter. Because the issue could not be resolved directly with the merchant, I opened a dispute with Chime and submitted the requested supporting documentation for their investigation. I waited through the investigation period, which I was told could take up to 30 days. After the investigation, Chime denied my dispute without properly explaining the reason for the denial. Since then, I have contacted Chime multiple times requesting a full copy of the dispute investigation report, including the information and evidence used from both sides. Representatives and supervisors stated they would email the documentation to me, but I have never received it. I have continued requesting the records, and the company is refusing to provide them. Additionally, when speaking with supervisors, my concerns are often interrupted with repeated apologies instead of clear answers, and some calls have ended without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Chime Financial Inc
State: LA

Complaint narrative:
My account was hacked and my wallet and phone was stolen I been trying get my dispute and they keep Denying me which I show all kind of proof I even got a lawyer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I submit this complaint regarding repeated FDCPA and FCRA violations involving LVNV Funding LLC, Resurgent Capital Services, XXXX XXXX XXXXXXXX, and XXXX. This matter has been disputed repeatedly since XXXX and remains unresolved despite prior debt validation demands, cease-and-desist notices, CFPB complaints, and credit bureau disputes. Timeline and concerns : XXXX. I previously disputed this account and filed CFPB Complaint # XXXX. The account was deleted and later reinserted. XXXX. Resurgent/LVNV provided generic responses but failed to provide complete account-level proof of ownership and transfer documentation. XXXX. I requested chain of title documentation including Forward Flow Agreement, Purchase and Sale Agreement, account-level Bill of Sale , loan-level schedules identifying my account, complete chain of assignment, custodian affidavit, furnishing authority, XXXX reporting records, and validation documents. XXXX. I also requested documentation supporting XXXX XXXX XXXX ' authority to communicate and collect. XXXX. Despite prior cease-and-desist communications, collection text messages continued from XXXX XXXX XXXX XXXX. Multiple entities now appear tied to the same debt : XXXX, XXXX XXXX, LVNV Funding, Resurgent Capital Services, and XXXX XXXX XXXX Ownership and servicing rights remain confusing and materially misleading. XXXX. XXXX continues reporting despite prior disputes and reinvestigation requests. Potential statutory issues include : FDCPA 15 USC 1692c ( c ) ( communications after cease request ) ; 15 USC 1692e and 1692e ( 10 ) ( false or misleading representations ) ; 15 USC 1692g ( b ) ( validation ) ; FCRA 15 USC 1681i ( reasonable reinvestigation ) ; 15 USC 1681s-2 and furnishing accuracy obligations ; FCRA reinsertion requirements under 1681i ( a ) ( 5 ). Relief requested : Immediate deletion if account-level verification can not be produced ; complete ownership and chain documentation ; cease collection communications ; correction of inaccurate reporting ; confirmation no unverified data will be reinserted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I have a debit card with cash app. On XX/XX/year> at about XXXX I tried to withdraw {$500.00} for rent from XXXX XXXX XXXX. I got 3 messages stating that the transaction could not be processed so I cancelled it and got my card and left. At about XXXX I got a message from cash app stating the withdrawal was processed. I never received the funds and the bank advised i call cashapp since the atm is run by a 3rd party. I filed a police report then called cash app to try to get my money back and for them to begin an investigation. They denied my claim but are refusing to say why. I also inquired about how they investigated and if they reviewed the cameras, they said that dont look at cameras and that the denial was based on information they had. They never requested anything from me and i also offered to send them the police case number and report but they denied my claim and neglected to inform me why. Im requesting that they investigate properly and return the {$500.00} that was stolen. The bank also wasnt helpful and i need that money since it was part of my rent. If they were to review the ATM cameras it would prove i never received the money and more likely someone took it after I left or it stayed in the machine. Cashapp needs to do whats right and return my money that they have stolen. They refused to let me speak to a higher up and keep denying returning my money. Please help. They didnt investigate properly and are refusing to help and keep insisting I appeal again, however the appeal decision would be final and would leave me with no other option since most likely they will deny my claim for money thats rightfully mine. Please help resolve this and please hold them accountable. I have tried to inquire why i was denied but they refuse and also stated that they dont review cameras. To be clear i never received or secured the {$500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: CO

Complaint narrative:
I have a call log showing over XXXX calls over the last XXXX months from various phone numbers, often off by one digit. No voicemail is left. Just constant calls. I answered one call today and there was silence on the other end for over XXXX minutes before I hung up. I am considering this harassment and not sure if I need to contact the FBI, as numbers are coming from across the country. I have sent an email to XXXX XXXX, the Compliance XXXX listed on XXXX. I have mailed a letter to the PO Box that was listed on Medicredit , Inc website. My phone number was registered with the National Do Not Call Registry in XXXX. Verified today, on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting, failure to properly validate a disputed debt, and failure to establish lawful authority to collect and furnish information regarding an alleged account. Company : Vance & Huffman, LLC Account XXXX. : XXXX The company is reporting a collection account associated with Balance Credit on my consumer credit report. The account is currently being reported with an opened date of XX/XX/XXXX. However, in written correspondence, the company acknowledged that the original account allegedly originated in XXXX. This discrepancy constitutes materially inaccurate and misleading reporting under the Fair Credit Reporting Act. Additionally, the company claims an initial notification was sent only to an old email address that I have not used in years and which was previously compromised during incidents involving unauthorized access to my personal information. The company has not provided documentation establishing that : * the email address was valid and controlled by me at the relevant time; * the notice was successfully delivered ; or * I actually received any notice or validation prior to reporting this account. The company further admitted there is no payment history available, as no payments have been made on the account. Despite direct request, the company has failed to provide : * complete chain of title documentation tied specifically to my alleged account; * documentation establishing lawful standing and authority to collect ; * proof of authorization or licensing to collect in Oregon; * documentation establishing the governing jurisdiction of the alleged agreement ; or * documentation supporting the inaccurate opened date being reported. Despite these unresolved deficiencies and inconsistencies, the account was verified with the credit bureau. I am requesting deletion of this tradeline due to inaccurate, misleading, incomplete, and unverifiable reporting.

Company response to consumer: Closed with explanation