vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: KY

Complaint narrative:
This morning my partner and I both received nasty and threatening phone calls from a XXXXXXXX XXXX XXXX. When I reached out to the collection agency they informed me that an old bill to Acima credit was at their office for me and that they were taking legal action against me. I informed the lady that this was a surprise as I thought I had already paid this off via a wage garnishment. She informed me that they had no information about a wage garnishment and told me I would need to reach out to Acima credit. When I reached out to Acima, they informed me that they have no record of a wage garnishment. They then told me that I would have to contact the persons who now own my contract, which was XXXXXXXX XXXX XXXXXXXX. This is a different company than XXXX who I had spoken to that morning so when I reached out to XXXX they too said they own my contract. When asking for more information they told me there was no information to give, I would have to reach out to their corporate office and I was hung up on. Immediately I reached back out to XXXX and spoke to a gentleman who informed me that yes they also own my contract. He gave me my contract number and then I called XXXX again and spoke to the same woman I spoke to this morning. She was as confused as I am as three companies appear to own my contract. Three companies are trying to collect a debt, and three companies are threatening to pursue legal action against me. I have now reached out to all parties involved and no one is able or willing to give me any more information than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
There are 4 different accounts that Credence Resource Management put on my credit report that I have no idea what debt they are referring to. Disputes with XXXX  have been unsuccessful and I am at a loss as to what to do. All original creditors says XXXX XXXX XXXX and now another company XXXX XXXX XXXX have added another 4 accounts, also all for XXXX XXXX XXXX. There is now way that I owe XXXX XXXX XXXX on 8 different accounts for 8 different dollar amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I received a {$500.00} XXXX XXXX physical prepaid gift card as a gift. The card initially worked for one online purchase. Subsequently, the card was flagged after an unauthorized transaction attempt through XXXX in California, which I did not make. 

XXXX XXXX representatives have confirmed that there was never a billing address associated with the card, but in initial attempts to resolve it, I was repeatedly told that my billing address did not match what was on file, which is not accurate ( there was never a billing address associated with the card ). I have been unable to check the balance, register a billing address, or use the card. Multiple customer service representatives and supervisors have stated they can not add an address, unlock the card, transfer the balance, or issue a replacement card through standard support channels. 

I am currently being denied access to prepaid funds with no clear or timely resolution. I am requesting that XXXX XXXX either transfer the remaining balance to a replacement card or otherwise restore my ability to access and use the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Self Financial , Inc. ( Self Bank ) for gross mishandling of my account, failure to respond to repeated communications, inadequate fraud protection, and an unfair attempt to hold me financially responsible for fraudulent transactions. 

For over a year, I repeatedly contacted Self Bank via email and other channels to request a replacement card and account assistance. Despite being instructed by Self Bank to communicate through email, my messages were consistently ignored or went unanswered. I made multiple follow-ups and was forced to initiate every interaction myself, with little to no response from the bank. 

Recently, my account was compromised and accessed fraudulently. Unauthorized transactions were made on my account. I promptly contacted Self Bank and disputed these charges. Over the course of three separate phone calls, I was required to verify transactions that were clearly not mine. Throughout these calls, communication was extremely difficult, as customer service representatives struggled to understand my concerns due to language barriers and confusion, further delaying resolution. 

Despite my timely reporting of fraud and full cooperation, Self Bank failed to properly secure my account or resolve the issue. Instead, the bank ultimately closed my account and is now demanding that I pay for fraudulent charges made by unauthorized parties. This is especially troubling given that Self Bank had ample notice of account issues, failed to respond to my earlier warnings and requests, and did not prevent or adequately investigate the fraudulent activity.

It is unreasonable and unfair for Self Bank to shift financial responsibility onto me for losses that resulted from their lack of responsiveness, poor fraud controls, and failure to act when notified. I followed all required procedures to dispute the transactions, yet the banks inaction and incompetence directly contributed to the extent of the fraud.

I believe Self Banks actions constitute unfair and deceptive business practices. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Self Bank to : Remove all fraudulent charges from my account ; Cease all attempts to collect payment for unauthorized transactions ; Provide a full written explanation of how this fraud was handled ; Review and correct their failure to respond to customer communications and fraud reports.

I am prepared to provide supporting documentation, including email correspondence and call records, upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I ask them to mail me the requested debt or whatever I owed and to stop contacting me!! And they wont they harassing me daily when THIS DEBT ISNT REAL NOR IS XXXX REALLY OWED TO THEM!! I need compensation for this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
I have a sezzle account that I have had for some years now. An unauthorized hacker or user gained access to my sezzle account and made purchases under my name with a debit card that does not belong to me. I dont even have any idea how this card could be added to my account as it does not match the name on my account which is mine. Sezzle has been non stop contacting me in order to attempt to collect these owed funds. I have reached out to sezzle support informing them that these purchase were not made by me as can be seen from the card used. I would assume the card used by the fraudsters was fraudulent. When I contacted, basically brushed me off and said that I would be held accountable for these transactions and if I choose not to they would be reported to collections. I demand I be absolved of these charges as I should not be held responsible for their lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: SC

Complaint narrative:
Reported fraud on my account. Got a call from the Executive Office from my previous complaint. The lady I spoke to said that I should look at a credit union for better service. Provisional credits granted. While moving they requested information I did not have access to the mail they sent or a laptop to check inbox on app. Attempted to contact them this evening and the lady I spoke with refused to help me in anyway shape or form. I am filing with the Office of the Comptroller as well and the IC3.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I paid off my loan in full on XX/XX/XXXX. I called TD autos lending service team immediately after to request the lien be released and they advised that it would take 7-10 business days to release the lien. I advised that this was an unacceptable time frame as I have someone trying to purchase the car sooner than that and they told me there was nothing they could do. I sent in several messages through my online account request an escalation and the lien release to be expedited but they refused again. Now it has been 12 business days and the lien has still not been released. This is unacceptable and a predatory lending practice, there is 0 reason it should take this long for them to release a lien on my property that I now rightfully own. I have had to pay to park the car somewhere this entire time that I havent been able to sell it and have had to pass on several high offers for the vehicle and this is causing me documented financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
The Accounts ending in XXXX, XXXX, XXXX, are from identity theft. Chase bank did not act on how to fix it. This has ruined my relationship with chase and I want to bank there for my business and personal use. They told me it was fixed and I was able to apply for a new account and when i try i got denied or it opened and next few days i get an email saying it has been close.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CA

Complaint narrative:
I am submitting this complaint regarding fraudulent credit card charges and Capital Ones handling of my fraud dispute. 

In XXXX through XX/XX/year>, while traveling internationally in XXXX, multiple unauthorized transactions totaling approximately {$1500.00} posted to my Capital One Visa credit card account. During this time, I was using my card legitimately at some merchants and did not immediately review all account activity. After reviewing my transactions a few days later, I identified several charges that I did not recognize and promptly reported them to Capital One as fraud.

Capital One replaced my card number and opened a fraud dispute. At no point did I withdraw the dispute or indicate that I accepted the charges. However, the dispute was later automatically closed because Capital One sent physical letters requesting signatures or documentation that I never received. I was not contacted by phone or email regarding this request, and I was unaware that failure to respond to mailed correspondence would result in closure of the claim.

Because the dispute was closed without my knowledge, the Visa chargeback window later expired. Capital One now refuses to review or credit the fraudulent charges, despite the fact that the closure was procedural and not due to customer withdrawal, resolution, or authorization of the transactions.

I am requesting that Capital One conduct a good-faith fraud review at the executive level and provide reimbursement or a goodwill credit for the unauthorized charges. I believe it is unreasonable to hold me financially responsible for confirmed fraud solely due to missed physical mail, especially when no electronic or verbal follow-up was attempted.

I am asking the CFPB to review Capital Ones handling of this matter and require a written response addressing whether reimbursement or credit will be provided under bank liability discretion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
On or about XX/XX/year>, Caine & Weiner began reporting and attempting to collect an alleged auto-related debt in the amount of approximately {$700.00}. I disputed this debt in writing and requested full validation, including proof that I am legally responsible, identification of the correct original creditor, and documentation supporting the amount claimed. 

Caine & Weiner responded by stating they noted the dispute and provided documents allegedly from XXXX XXXX, but did not provide proper validation showing I am legally responsible for the debt. Instead, they instructed me to contact XXXX directly. 

Despite the ongoing dispute and lack of proper validation, Caine & Weiner continues to report the account as an open collection on my credit report. Additionally, the account is inaccurately reported, as the collection agency is listed as the original creditor, which is incorrect. 

I believe Caine & Weiner is attempting to collect and report a debt that has not been properly validated and is inaccurately reported, in violation of applicable consumer protection laws. I am requesting that this matter be investigated and that inaccurate or unverified reporting be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Block, Inc.
State: MN

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) for withholding my funds after not being able to get into my account.

My Cash App account became inaccessible, and despite completing all requested recovery steps, identity verification attempts, and repeated communication with Cash App support, I was informed that they are unable to restore access or release my funds.

I currently have money remaining in the account that I am unable to access, withdraw, or transfer. Cash App has refused to provide an alternative method to return my funds, despite confirming ownership of the account and exhausting all recovery options.

This has resulted in financial harm and an unfair withholding of my money. I am requesting that Cash App either restore access to my account or release my remaining balance to me immediately.

I have documentation of my communications with Cash App support and am requesting regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I made a payment of over $ XXXX on our Bank of America corporate credit card on XX/XX/XXXX. 

On XX/XX/XXXX, the card of one of our employees at one of our parts distributors was declined. When I inquired I found out that the payment was still on hold. 

The funds were taken from our checking account on XX/XX/XXXX. 

On XX/XX/XXXX, our employees card was declined because the payment was still on hold. XXXX days after the payment date and eight days after the funds were taken from our checking account. 

When contacted, they were very unhelpful and even dismissive.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Someone made fraudulent purchases on my credit card. I reported the fraud. I was credited for the claim some of the stolen merch was delivered to me I returned to XXXX  as requested by BOA. BOA credited me for a portion of the fraud and is refusing to credited me for the returned merch. I have spoken with BOA several time, they will not tell me if they received my proof of return that was faxed to BOA several times. BOA will not answer my questions or give me an update on claim. I call BOA every day and I get hung up on or told they are reviewing and will let me know but it has been several weeks with no resolve.

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 2026-01-28 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: CA

Complaint narrative:
XXXX XXXX I received a settlement from XXXX XXXX XXXX in the amount of {$68.00}, XXXX. Venmo was one of several choices I could have chose to have my money to be direct deposited which I chose and they transferred it to them. During that time I made a few transactions and a few transfers. Shortly thereafter I received an email stating that I needed to send over a copy of my ID as well as a selfie holding my ID and a copy of a statement of my bank that I linked to them. I intern did all those requested of me. Afterwards I received an email from a lady named XXXX think that she needed to she was going to escalate my case to another team for further review and I needed to resubmit all the things that I just submitted to them. Again I resubmitted my ID as well as a copy of my ID a picture on selfie of me holding my ID and the bank statement.I waited a few days and I never received a response so I contacted the lady named XXXX and I asked her what was going on with the verification process wasn't going to be approved because I hadn't heard anything and I have sent everything that they asked me for. Next I was receiving the email stating that they were deactivating my account due to fraudulent activity, and they were going to hold my funds for up to 180 days. I contacted them and he stayed to them that I did not do any fraudulent activity, and I prove who I was by submitting the request that they asked for. Now I have like a little bit over {$56000.00} left in their account and they are holding my funds and they're not giving me my money for no reason whatsoever and they never told me what fraudulent activity was going on in an account. Please help because I need my money and I have bills and different things that I need to take care of and livelihoods that I need to take care of in my life. They just took my money for no reason.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I received a call that identified on my phone as Chase Fraud. When I answered they said that someone tried to send two XXXX payments via Chase and they suspected it was fraud. They used an email that was similar to one I used long ago and they used one of my former addresses where I lived. When they said one was for {$2000.00} and the other was for {$500.00} I said no to both and they said they would make sure the XXXX requests would be cancelled through Chase. They said it's been happening a lot due to XXXX 's data breach and they knew my carrier was XXXX. They said even though they were Chase, I should contact XXXX about Fraud as well. I believed who I was speaking to. Very professional and just this morning, I used XXXX. Also two days ago Chase said it would cancel my XXXX due to inactivity which was fine by me because I know I haven't used it. So this call I felt, was an inside job. It was too coincidental. So when they asked if there was another banking institution that I used XXXX with and I told them XXXX XXXX they said they would contact XXXX XXXX so that they knew my issue with XXXX and to also help me out. At that moment, I got a call from a number that looked legit and it said XXXX XXXX. When I spoke with them, they knew my social security number and date of birth but I never confirmed it. I realized the XXXX XXXX call came from XXXX and both the Chase Call and the XXXX XXXX call were in Spanish and I am bilingual. There was also a moment when they put me on video and I shut it off but they. had me swipe up on my phone and I stopped and said I did not want to do anything on my phone. Instead I would just use my laptop. All of a sudden the person said in order to catch who made the false XXXX account, I'd have to go to a XXXX 's XXXX XXXX counter and I just hung up. Horrific Scam and they knew way too much. I went to XXXX and Chase and also to XXXX. For individuals that know my date of birth and social and. phone number, and maybe my photo cause the Video came on while I was on XXXX. It's been a lot. Want to make sure this gets out to you. I appreciate your help. XXXX XXXX  You will see from the attachments the numbers that show up as XXXX XXXX, XXXX  and Unknown. The number for SS is legitimate. I had a call with them today. Also the number to Chase that shows up on the screen shots as well as their text messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Auto loan on car for XXXX XXXX XXXX force place cpi when I was gone on military deployment XX/XX/XXXX - XX/XX/XXXX. CPI amounts {$280.00} on XX/XX/XXXX and {$140.00} on XX/XX/XXXX. Returned from deployment and called Randolph Brook Federal Credit union for refunded. They denied me a refund everytime I called for the past 4 months and I am protected under ( SCRA ) being overseas on military deployment. Get me my refund back

Company response to consumer: Closed with explanation