vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DE

Complaint narrative:
USAA processed ( Cashed ) a check from my account that belonged to someone else. The check is not a USAA check, doesnt belong to my account, is not endorsed by me, does not contain any of my account information. The check was processed without my permission.

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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: IL

Complaint narrative:
I didn't receive proof from this collection agency

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I entered the bank account number in direct deposit form wrong, and the bank instead of rejecting the direct deposit and respond to my company accepted it, and the result is i didnt get my money from the company or the bank. That happened in the paycheck of XX/XX/XXXX, i called the bank they refused to help. The amount is XXXX dollars. My company didnt receive any rejection from PNC bank till now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: Chime Financial Inc
State: CA

Complaint narrative:
Heres your updated copy-and-paste version with the dates included : I purchased an XXXX on XX/XX/XXXX, from a website that listed it as being in good condition. However, after receiving the device, I found issues including dust inside the camera lens that becomes visible when zooming and affects photo quality, as well as charging problems and the phone sometimes glitching or turning off on its own. These defects suggest the device was not as described and significantly reduce its value compared to what I paid. I rely on a working phone for my job. On XX/XX/XXXX, I submitted a refund request to the company, but I never received a response. I also disputed the charge through Chime, but my disputes were rejected. Amount was {$690.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to request an immediate review of my credit card account, which was transferred from XXXX XXXX to Citibank around XX/XX/year>. Following the transfer, I reported my card lost on XX/XX/year>. Despite repeated attempts to access my account, I was caught in a service gap : XXXX could no longer assist me, and Citibank could not verify my identity without the new card information I had not yet received. Consequently, I was unable to view statements, monitor transactions, or manage the account. I have since been notified that the account was closed due to non-payment. My last statement from early XXXX showed a balance of approximately {$10000.00}, but I am now being quoted a balance of approximately {$11000.00}. I am committed to resolving my legitimate obligations, but I require a full accounting of this increase and a review of the circumstances that prevented me from making timely payments. Specifically, I request the following : - Documentation : Complete account statements and transaction history from XX/XX/year>, to the present. - Account Timeline : Verification of the transfer date, the date and mailing address for the replacement card, and the exact date and reason for the account closure. - Fee Review : A review and adjustment of interest, late fees, and penalties assessed during the period I was denied account access. - Resolution Options : Information regarding hardship assistance or reduced-interest repayment programs. - Investigation Results : A written response detailing your findings. I look forward to your prompt assistance in resolving this matter. Sincerely, XXXX XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

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 monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime for a violation of Regulation E regarding an unauthorized electronic fund transfer.My physical mobile phone was stolen by an unauthorized third party ( my ex-girlfriend ). While the phone was out of my possession, she accessed my account without my permission or authority and used Chime " XXXX XXXX '' to steal {$360.00}, sending it to her current boyfriend.I discovered the missing funds and immediately filed a dispute with Chime the exact same day. I successfully recovered my physical phone from the thief by threatening to call the police. The day after contacting Chime, I filed an official police report.Chime denied my initial claim. I then reopened the claim and submitted the official police report as new evidence. Chime denied my reinvestigation request a second time, stating " no error occurred. " Under Regulation E, a transfer is legally unauthorized if it is initiated by a person who obtained the access device through theft or without actual authority, which is exactly what happened here. I received XXXX benefit from these funds. Chime has a clear electronic record of the recipient who received my stolen money. I have attached the official online police report to this complaint and demand a full credit of {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and improper credit reporting related to an alleged rental debt being reported by Fair Collections & Outsourcing. This account has been disputed previously with the credit bureaus and was marked as verified, however, I have serious concerns regarding the accuracy of this reporting and the adequacy of the investigation conducted. The collection agency itself has provided written correspondence stating that the debt is beyond the statute of limitations and that they can not pursue legal action due to the age of the debt. This raises immediate concerns regarding the continued reporting of this account and whether it complies with the Fair Credit Reporting Act, specifically the requirement that negative information must not be reported beyond the allowable time period. Additionally, I possess documentation, including a resident ledger and move-out statement, demonstrating that rent payments were made and that the balance being reported is inaccurate. The itemization of charges does not support the balance being reported as owed. Despite this, the account continues to be reported and was verified without any documentation being provided to me showing how the investigation was conducted or what records were used to verify the account. This raises the following concerns : The debt appears to be obsolete and potentially beyond the 7-year reporting period The reporting is inaccurate and not supported by the underlying documentation The credit bureaus failed to conduct a reasonable reinvestigation as required under FCRA XXXX XXXX collection agency is reporting a balance that is not properly substantiated I am requesting the following : 1. Immediate deletion of this account from all credit reporting agencies 2. Documentation showing how this account was verified 3. A detailed explanation of how the reported balance was calculated If this information can not be provided, the account must be removed in accordance with the Fair Credit Reporting Act. I have attached supporting documentation, including correspondence from the collection agency acknowledging the age of the debt, as well as account records supporting my position. I request that this matter be investigated thoroughly and resolved promptly.

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 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
In early XX/XX/XXXX, I transferred XXXX American Express Membership Rewards points to XXXX XXXX XXXX based on award availability displayed on XXXX 's official booking platform for first class seats on XXXX XXXX and XXXX XXXX, routing XXXX XXXX ( XXXX ) to XXXX XXXX XXXX to XXXX XXXX ( XXXX ) around XX/XX/XXXX. I had accumulated these points over 11 years of American Express card membership since XXXX, and was using them to book my XXXX. Every itinerary I attempted returned booking errors. On XX/XX/XXXX, a XXXX customer service agent confirmed that the dozens of flights showing award availability around that date are not real and can not be booked. This is a documented, systemic phantom award space issue on XXXX 's platform, and I am not alone dozens if not hundreds of other consumers are reporting the exact same experience across travel forums and XXXX groups, indicating this is a widespread and ongoing failure that has affected a significant number of American Express cardmembers who transferred points in good faith. American Express promotes XXXX as a Membership Rewards transfer partner. The transfer is irreversible, and I have lost nearly {$8000.00} in point value due to a broken partner system. I contacted American Express to request intervention and received no satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I XXXX is writing you because this has been extremely stressful situation with the items on my credit report that are paid and closed and is hurting my credit to where i cant get approved for an house for my family, Im a single mother of XXXX children and we lost our house due to an electrical fire and I just want a place we can call home again and as a FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: WV

Complaint narrative:
Cash App borrow feature they offer the installment plan which is four weeks seven days to a week makes 28 days they changed that feature to make it 26 days so they could get the XXXX dollar repayment option or charge on a late fee on the total amount. I find this deceptive considering it says four weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
I had to break a lease and move home the company told me I owed them amount and I was actively paying what I could them it was sent to collection and genesis or Columbia debt recovery has been nothing but mean and forcing they have no stopped called me and telling me I need to pay or will be sued and when I did start paying {$200.00} payments i didnt realize i missed XXXX in XXXX after calling the in Friday they told me my payments were invoid and I have to start back over at the {$13000.00} and my payments have done nothing but pay the interest. My credit says ive made no payments and XXXX starting to feel like the only way out is to file bankruptcy because I am getting harassed and lied too

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
To Whom It May Concern : I recently discovered that your company is reporting the above-referenced account on my credit report. I am requesting validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I dispute the accuracy and validity of this account and request that you provide the following : 1. The name and address of the original creditor. 2. The original account number. 3. The date the debt was incurred. 4. The amount of the original debt and an itemization of all interest, fees, and charges added. 5. Documentation bearing my signature showing that I agreed to assume responsibility for this debt. 6. Documentation proving your authority to collect this debt. 7. Documentation showing that the debt is within the applicable statute of limitations. 8. Proof that the information being furnished to the credit bureaus is accurate and complete. If you can not provide the requested validation, I demand that you cease collection efforts and notify all credit reporting agencies to delete this account from my credit file. Please note that reporting inaccurate, incomplete, or unverifiable information to consumer reporting agencies may constitute a violation of the Fair Credit Reporting Act. I request that all future communications regarding this matter be made in writing. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am not liable for this debt XXXXXXXX XXXX XXXX upport it was removed and Transuion is back reportng and violating my Fair Credit Report act. I will need this removed immediately Transuion XXXX XXXX NO XXXX / XXXX XXXX this was removed and is back reporting violation of the Hippo Law

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I fell victim to a coordinated online investment scam. The criminals defrauded me out of a total of {$6700.00}, which I physically initiated via XXXX XXXX online due to extreme deceptive duress. I promptly filed a fraud dispute with Bank of America. Bank of America initially issued a temporary credit of {$6700.00} to my account. However, the bank subsequently notified me that they determined the XXXX XXXX transfers were " authorized '' because I initiated them online, and they scheduled a full clawback of the {$6700.00} credit to take place on XX/XX/year>. I took immediate action to comply with the bank 's requirements. I filed a formal criminal report with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at the local precinct. The XXXX issued an official Complaint Receipt/Victim Report with an active criminal investigation file number : Complaint Number XXXX. I provided this official XXXX document to Bank of America to reopen the fraud claim. XXXX XXXX representatives refused to accept it, incorrectly stating it " is not enough '' to halt the scheduled clawback or protect my account. Under XXXX standard operating procedure, this Complaint Receipt is the only official documentation provided to crime victims at the precinct level during an active grand larceny investigation. Bank of America is failing to properly evaluate certified law enforcement documentation regarding a major financial crime. If the bank executes the {$6700.00} clawback on XX/XX/year>, it will force my account into a severe negative balance, causing immediate financial hardship. I am a father of a one-year-old baby, facing a daily situation of providing for my family, while struggling with the inflation rates in New York. I demand that Bank of America XXXX XXXX XXXX XXXX XXXX XXXX immediately pause the XX/XX/year> clawback, officially reopen fraud case file, and coordinate directly with law enforcement using the provided XXXX Complaint Number.

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 monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a formal complaint against Block, Inc. ( Cash App ) for a wrongful permanent account ban based on a flawed automated algorithm. Cash App has permanently deactivated my account, citing " fraudulent activity. '' I state categorically and under penalty of perjury that I have never engaged in any fraud, scams, or deceptive financial practices on this platform.The actual activity that triggered Cash App 's automated fraud detection was exclusively a series of failed merchant ACH withdrawals/pre-authorized debits due to insufficient funds ( non-sufficient funds/NSF ). My online banking account was short on funds when automated bills attempted to process. Consequently, the merchants automated billing systems aggressively and sequentially re-tried to pull the funds XXXX to XXXX times in a row. Cash Apps automated risk algorithm routinely misinterprets these rapid, identical failed merchant retries as a " card-testing '' fraud attack or velocity abuse. I submitted an internal dispute to Cash App, but their customer support team issued a generic, automated response stating the decision was final without conducting a manual human review of my transaction logs. By misclassifying a common banking issue ( insufficient funds ) as criminal fraud, Cash App is causing severe unearned damage to my financial reputation. Furthermore, if this " fraud '' classification is reported to consumer reporting agencies like XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), it will unlawfully destroy my ability to access standard banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
how much time account? Also, it works on a spot me basis when they give you extra money to overdraft on someone that has an account send you a booze so you receive a XXXX dollar boost from somebody and then you can overdraft that and pay it back as per their application. They're now asking for tips so they can run this featuring and give other people spot me

Company response to consumer: Closed with explanation