vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glasser and Glasser, PLC
State: VA

Complaint narrative:
On XX/XX/scrub>, 2026, I submitted a formal Debt Validation Request to Glasser and Glasser, P.L.C. regarding a purported debt. This request specifically sought proof of ownership and evidence of a contractual agreement, as I have no record of a contract with this third-party entity. Despite my timely request, the firm failed to provide any verification or validation as required by 15 U.S.C. XXXXg. Notwithstanding this failure to validate, the firm proceeded to initiate a wage garnishment in the amount of {$18000.00}. Furthermore, it is my understanding that the original creditor may have written off this balance and reported it to the Internal Revenue Service. I have requested Form XXXX from the IRS to confirm whether the debt was XXXX or cancelled. If the debt was indeed cancelled and reported as income to the IRS, further collection efforts and garnishments may be improper or constitute double recovery. I am requesting an immediate stay of garnishment until proper validation is provided and the tax status of this alleged debt is clarified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Block, Inc.
State: CA

Complaint narrative:
Company Name : Block, Inc. ( Cash App ) Product/Service : Money transfer, virtual currency, or payment app Issue : Account closure / funds access / lack of explanation Complaint : I am filing a complaint against Cash App regarding the permanent closure of my account without a clear explanation or meaningful opportunity to appeal. My account was used strictly for legitimate personal transactions. Specifically, I used Cash App to receive reimbursements from friends after I paid shared expenses ( such as meals and group purchases ) using my personal credit card. These were not business transactions, nor was I engaged in fraud, prohibited activity, or misuse of the platform. My account appears to have been flagged due to transaction patterns that may have been misunderstood by automated systems. However, I was never warned, provided guidance, or given a chance to clarify my activity before my account was closed. I submitted an appeal through Cash App support, but I received a generic response stating that the decision is final and that no further action can be taken. Cash App has refused to provide a specific reason for the closure or allow a meaningful review of my case. This lack of transparency and inability to appeal raises serious concerns. As a financial services provider, Cash App should provide consumers with a clear explanation and a fair opportunity to respond before permanently restricting access. I am requesting : A detailed explanation for the account closure A formal second-level review of my account activity Reinstatement of my account if no actual violation occurred I am fully willing to provide identification, transaction details, or any additional documentation needed to verify that my activity was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
CFPB Complaint Statement Issue : Credit card account closed without explanation ; inconsistent account handling ; receiving statements/refunds after closure. Complaint : I am filing a complaint regarding the unexplained closure of my XXXX credit card account. I opened the account recently, paid my first bill in full, and paid my second bill off immediately. My payment history was perfect, and my balance was {$0.00} at the time the account was closed. Despite this, XXXX closed my account without any notice, explanation, or request for verification. After the closure, my account showed a full available credit limit, but I was unable to use the card. My available credit displayed as {$0.00} even though the account had no balance. Since the closure, XXXX has continued sending me statements and issuing refunds to this closed account. This is confusing and inconsistent, as it suggests the account is still being treated as active for some purposes while being restricted for others. I am requesting : - A clear explanation for why my account was closed - Confirmation that this closure will not negatively affect my credit report - Clarification on why statements and refunds are still being issued to a closed account - A review of the account for reinstatement, given my positive payment history The lack of communication and inconsistent handling of my account has caused unnecessary stress and inconvenience. I am seeking CFPB assistance to obtain a proper explanation and resolution. Company : XXXX XXXX Product : Credit Card What I want : Written explanation, correction of any credit reporting, and review for reinstatement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NV

Complaint narrative:
CFPB Complaint Description Cash App Acknowledged Fraud, Case Still Open, No Refund, Misinformation, and Unprofessional Conduct I am filing this complaint because Cash App acknowledged that I was the victim of a scam involving Bitcoin purchased through their platform, yet they have still not refunded my money or completed a proper investigation. My case remains open, but no progress has been made, and I have not received any refund or meaningful assistance. I used my own funds to purchase Bitcoin through Cash App as part of a fraudulent scheme. When I reported the scam, Cash App told me directly that it was not my fault and that I had simply trusted the wrong people. Despite acknowledging that I was a victim of fraud, they have not returned the money I used to buy the Bitcoin. During my calls with Cash App support, I have been treated disrespectfully and unprofessionally. Representatives have laughed at me, made me feel mocked, and acted as if my situation was a joke. This behavior is unacceptable, especially toward someone reporting fraud. I was also told that it was the polices responsibility to investigate my stolen money and that Cash App was not responsible for handling the matter. This is incorrect and misleading. When I asked about a chargeback to my debit card, I was told there would be a fee charged to me and my account, followed by more laughter. This is not how fraud investigations or chargebacks are supposed to be handled. Cash App has acknowledged the fraud but has failed to provide a refund, failed to complete a proper investigation, and failed to treat me with basic respect. I am requesting the CFPBs assistance to ensure that Cash App follows proper procedures and returns the money I used to purchase Bitcoin that was taken as part of this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX for failure to properly validate multiple alleged debts, as required under the Fair Debt Collection Practices Act ( FDCPA ). I formally requested debt validation for accounts reported under my name. However, XXXX XXXX XXXX failed to provide proper validation for any of the accounts listed below : 1. Reported Balance : {$1100.00} Date Opened : XX/XX/year> 2. Reported Balance : {$1200.00} Date Opened : XX/XX/year> 3. Reported Balance : {$1500.00} Date Opened : XX/XX/year> Despite my request, I did not receive sufficient documentation to validate these debts. Specifically, XXXX XXXX XXXX failed to provide : * A signed contract or agreement bearing my signature * Complete account statements * Proof that I am legally obligated to pay these debts * Documentation showing how the amounts were calculated Additionally, there are serious inconsistencies between the accounts, including different balances and conflicting information, which raises significant concerns about the accuracy and legitimacy of these alleged debts. Because XXXX XXXX XXXX has failed to properly validate these accounts, I formally dispute all three debts.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Goodwill Adjustment Request Account # XXXX Dear Sir or Madam, I am writing to respectfully request a goodwill adjustment regarding the negative reporting on my account. During the time the late payments occurred, I experienced a significant hardship due to incarceration beginning in XX/XX/XXXX. This situation temporarily prevented me from managing my financial responsibilities, despite having maintained a positive payment history prior to that time. Since my release on XX/XX/XXXX, I have taken full responsibility for my financial obligations and have worked diligently to rebuild my credit profile. I have paid off outstanding collections and am committed to maintaining a strong and consistent payment history moving forward. I respectfully ask that you consider removing the late payments and any negative reporting associated with this account as a gesture of goodwill. These marks do not reflect my true financial behavior, but rather a temporary hardship during a difficult period. Your consideration would have a meaningful impact on my continued efforts to rebuild my financial stability. Thank you for your time and understanding. As you continue to assist me to get through this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding PayPal and its handling of funds intended for a PayPal Savings account issued by XXXX XXXX. On XX/XX/XXXX, I initiated a {$400.00} transfer from my external checking account into my XXXX XXXX Savings account ( through PayPal ). This transfer was explicitly intended as a deposit into a savings account held with XXXX XXXX. While the transfer was still processing, a buyer dispute caused my PayPal balance ( separate from XXXX XXXX savings account ) to become negative. PayPal then intercepted the in-transit transfer and applied it toward the negative PayPal balance instead of allowing it to be deposited into the savings account. Despite initiating the transfer inside of the XXXX XXXX portal, the transferred amount has not been properly accounted for or restored. My concerns are : - Funds intended for a savings account at XXXX XXXX were diverted without clear authorization. - There was no clear disclosure that in-transit transfers to a savings account could be seized to offset PayPal account balances. - The funds appear to have been misapplied/stolen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 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: MD

Complaint narrative:
A fraudulent charge of XXXX at XXXX appears on my statement on XX/XX/scrub>, 2026. I created a dispute on XX/XX/year>2026, with a police report of that charge ; they denied it on XX/XX/scrub> 2026. The reason being, I authorized, or I authorized someone to use my card. I appealed the same day, letting them know I didn't authorize this payment of any kind, same day they denied again. I request for the reason why it been denied or the investigation they took ; I still didn't receive it to this date, XX/XX/XXXX. ( All of this is with cash app )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I borrowed a loan and its stopping from returning back to school and its messing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: CA

Complaint narrative:
On XX/XX/year>, my credit card was fraudulently charged {$1900.00} at XXXX without my authorization. The transaction was recorded at XXXXXXXX XXXX XXXX, which is XXXX XXXX Pacific Time. I was asleep at my home in California at that time. The bank 's ( BoA ) own documents provide clear evidence that this was fraud : 1. The transaction occurred at XXXXXXXX XXXX XXXX XXXX, but I was asleep at home in California and did not make this purchase. XXXX. The IP address recorded in the transaction does NOT match my IP address. XXXX. Personal information matching only proves my data was stolen, not that I authorized this transaction. The bank failed to investigate carefully. The bank wrongfully denied my claim. I request CFPB to intervene and require the bank to refund {$1900.00}.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: AZ

Complaint narrative:
I open the account with AXOS BANK in XX/XX/XXXX My first direct deposit came in on XX/XX/XXXX My first problem with them was the fact that they promised early deposits for direct deposits up to 2 days. The money came in 2 days early yet I couldn't access it. My online app set available funds were {$1500.00} and I couldn't access one dime. I called the bank they're 24-hour service and they told me that they put a hold on my deposit nowhere did I read that they would hold my deposit. That happened again for XXXX and XXXX. Next issue I have is I went to the ATM to withdraw {$300.00} on XX/XX/XXXX at approx XXXX XXXX and my card was denied and I wasn't able to get any funds nor purchase anything with the card. Once again I called their 24-hour service and they told me " that due to nightly maintenance my card is restricted from XXXX XXXX to XXXX XXXX every night of the week. When I said it's an emergency and I need the funds now they refused to remove the restriction due to their nightly maintenance clause. I asked to speak to a supervisor there was none available. This bank has been nothing but drama for me and as soon as I get the funds out of that account I'm closing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
Complainant : XXXX XXXX XXXX Dispute ID : XXXX Financial Institution : USAA Disputed Amount : {$710.00} Card : Debit card ending in XXXX I am reporting unauthorized debit card transactions totaling {$710.00} that occurred on XX/XX/year>, involving online purchases from XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these transactions, did not provide my card information to any individual for this purpose, and received no benefit from these purchases. The transactions were conducted as card-not-present online purchases with print-at-home ticket delivery, which is consistent with fraud. Merchant records show multiple indicators of identity theft and misuse of my card information : The billing address used was XXXX XXXX, WI, which is not my address ( mine is XXXX, WI ). The email address used ( XXXX ) is not mine. The profile used false demographic data, including an age listed as XXXX ( I am XXXX ). The transactions are linked to unknown individuals ( names include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). One transaction used generic names ( XXXX XXXX ), which is not valid identity verification. A device and account profile associated with the purchases indicate use of a XXXX XXXX phone, which I do not own. The account includes a phone number ending in XXXX, which I have never had. The activity is tied to XXXX XXXX XXXX addresses and XXXX XXXX which is not consistent with my location or usage patterns. Additionally, the purchases show activity at XXXX separate XXXX locations ( Texas and California ) on the same day, which is inconsistent with normal consumer behavior and impossible given my location. I have supporting evidence, including XXXXXXXX XXXX Timeline/GPS data confirming that I remained in Wisconsin during the time of the transactions. I was not present in Texas, California, or Mexico. The merchant evidence only demonstrates that tickets were issued and possibly used by unknown third parties. It does not establish that I was the purchaser, user, or beneficiary. The combination of false personal data, foreign IP activity, unknown recipients, and digital delivery strongly indicates fraud. Despite these indicators, my financial institution denied my fraud claim. I am requesting investigation into this matter as unauthorized use of my debit card information, likely involving identity theft and fraudulent online transactions. I am seeking reversal of the charges, further investigation into the parties involved, and identification of how my card information was compromised.

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 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IA

Complaint narrative:
I am submitting this complaint regarding multiple, repeated, and willful violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, XXXX, XXXX, Jefferson Capital Systems, XXXX XXXX XXXX XXXX and XXXX. These violations include : Illegal reinsertion of previously deleted fraudulent accounts Failure to provide mandatory reinsertion notices Failure to block identitytheftrelated information under FCRA 605B Reporting chronologically impossible delinquency dates Reporting delinquency on closed accounts Failure to conduct reasonable investigations Failure to maintain reasonable procedures to assure maximum possible accuracy Furnishers knowingly reporting inaccurate information These actions have caused substantial harm, including denial of credit, suppressed scores, financial loss, and ongoing identitytheft complications. KEY FACTS : The fraudulent XXXX/Jefferson Capital account has been deleted multiple times and reinserted XXXX times without notice. On XX/XX/XXXX, XXXX deleted the account and XXXX reinserted it the same day. XXXX reported a Date Opened of XX/XX/XXXX and a Date of First Delinquency of XX/XX/XXXX, which is chronologically impossible. XXXX XXXX reported a XXXX late on XX/XX/XXXX, XXXX days after the account was verified closed on XX/XX/XXXX. Identitytheft documentation ( police report, FTC report, affidavit ) was submitted multiple times from XXXX and ignored. The same fraudulent debt has been reported by XXXX different collection agencies across all three bureaus. These violations demonstrate systemic procedural failures and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NV

Complaint narrative:
Subject : Formal Complaint Regarding Delayed Fraud Investigation and Failure to Refund Fraudulent Transaction To Whom It May Concern, I am submitting this formal complaint regarding Chimes handling of my fraud dispute involving a scam by XXXX XXXX, which resulted in the loss of {$330.00}. I reported this scam immediately and provided all required information. Chime acknowledged that I was a victim of fraud and confirmed that the situation was not my fault. Despite this acknowledgment, my dispute has been left open for an unreasonable amount of time, and I have still not received my refund. I am documenting the following issues : - My dispute has not been denied, yet Chime has taken far longer than expected to resolve it. - Under Regulation E, financial institutions are required to investigate and resolve unauthorized or fraudulent transactions within specific timelines. Those timelines have not been met. - I was told that it was the polices responsibility to investigate my stolen funds, even though Chime is obligated to conduct its own investigation. - When I asked about a chargeback, I was incorrectly told that I would be charged a fee, and representatives laughed at me during the conversation. - I have been treated dismissively and unprofessionally during multiple calls. - I was told no further action is needed, even though my case is still open and my money has not been returned. I am requesting the following resolution : 1. Immediate completion of the fraud investigation in compliance with Regulation E. 2. A full refund of the {$330.00} taken from my account as part of the XXXX XXXX scam. 3. A written explanation of why the investigation has been delayed beyond regulatory timelines. 4. Confirmation that my case has been escalated to the appropriate fraud and compliance team. 5. Documentation of corrective action regarding the misinformation and unprofessional behavior I experienced. I trusted Chime to protect my account and handle fraud reports seriously. I am requesting a fair, timely, and lawful resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal 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