vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
My phone or phone number was used to make fraudulent purchases on or through Cash App. I had recieved a phone call with the caller stating that they were from my banks fraud division. This has happened to me a good handful of times in the past so I didn't think anything of it. As the caller was talking to me he was naming off charges on my bank account. The guy already had complete access to my account before I even said a word. He was going over some charges and I was replying as to what charges were mine and what weren't. I was on the phone with him for quite a while until I told him I had to hang up because I was leaving. During the call he had also asked me if I had recently downloaded Cash App and I told him yes. Something wasn't sitting right so I logged into my Cash App account and there it was, a list of attempt after attempt of fraudulent charges. I immediately called Cash App customer service and submitted a formal complaint with the company right away. I will attach some photos to show proof. I was told by customer service that I would be contacted via email in a couple days. When I had not received any emails yet, I contacted Cash App customer support again. The women that I spoke with politely told me that the complaint/claim was never even submitted. I was extremely angry and I let her know that, then I followed up with submitting another claim. Now, at this point Cash App had deleted my account without my authorization so I no longer could refer to the fraudulent charges. 
I'm submitting a image of XXXX of the XXXX plus attempts. There would have been more images for you, but because they deleted my account I could no longer see them. I am also submitting activity on my phone that I was totally unaware of. Cash App has recently replied to my claim submission, but only XXXX of the fraud attempts and they denied my claim by stating that it's because my phone was in my possession. So, I googled Cash App and saw that they were sued for this same or similar conduct. The thieves were able to access my bank account and confirm charges that I was not even aware of. When I noticed it, I got a really bad feeling because I had only recently downloaded the app again after years. When I opened the app, there were all the charges. I thank you very much for your time and consideration, I truly appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Payment Resolution Services
State: OH

Complaint narrative:
Received a letter from XXXX  dated XXXX XXXX, XXXX, stating they were trying to collect a debt on behalf of XXXX. In XXXX XXXX, I had a medical procedure originally denied by XXXX in XXXX. In XXXX XXXX paid for the procedure in the amount of {$2500.00}. Within days of the payment, XXXX sent a letter stating the payment was sent in error and requested it be repaid. The XXXX XXXX  showed the claim was denied. Working with my XXXX sales agent, we were able to provide the required paperwork to allow XXXX to process the claim. The XXXX customer service rep. told our sales agent that there was no need to return the payment. I have a copy of the XX/XX/year>, email instructing me that repayment is not required. My XX/XX/year>, XXXX also confirmed XXXX 's agreement to the payment. 
I have had no additional communications with XXXX regarding this claim since receiving the XX/XX/year>, XXXX. 
XX/XX/year>, I received a letter from XXXX  requesting repayment. After discussing my situation with others, I sent certified letters to XXXX  requesting additional information and one to XXXX disputing the claim. I asked XXXX  to cease sending me letters without supporting documentation. I did not receive a response, but have since received a duplicate letter of the one sent in XXXX. XXXX has not responded to my dispute letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One randomly put a block on my checking account and said it's closed. The money came into the account through direct deposit from my employer. They said they returned the money to its source ( my employer ) when they closed my account but they weren't able to tell me if a check was sent or it was sent back electronically. Hence there's no way for me to track/trace those funds and retrieve it. Capital One blocked the account for months and did not inform me on any updates or let me know when the account was closed. I had to call and find out months later after they had closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
Credence Resource Management is reporting a collection account on my credit report that is inaccurate and improperly verified. This same collection account was previously disputed with XXXX and was removed after Credence failed to verify the account. 
After the removal from XXXX, Credence re-reported the same collection account to XXXX instead of properly validating the debt. This collection account is also being linked using inaccurate personal information that does not belong to me, including incorrect addresses and phone numbers. 
Under the Fair Credit Reporting Act, debt collectors are required to report accurate information and to conduct a reasonable investigation of disputed accounts. Credence Resource Managements actions appear to be an attempt to continue reporting an unverifiable debt across multiple credit bureaus. 
I am requesting that Credence Resource Management permanently remove this inaccurate collection account from all credit reports and provide written confirmation of the deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Self Financial Inc.
State: IN

Complaint narrative:
OK, I created a account on the self app and deposited money into their app for a CD in a account and it got closed early and I was looking to get my payout and I was just trying to build up my credit they end up closing my account because they couldnt verify some of the information that I gave them and they closed the account which is their right but my payout was supposed to happen on XX/XX/XXXX, and now theyre telling me they dont know when Im gon na get it and they can not justify the hold that they have so I asked and demanded for my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding is reporting a collection account on my credit report that is inaccurate and unverified. I have never received any validation or documentation from LVNV regarding this alleged debt, despite sending a formal Debt Validation ( DV ) request. 

Dates & actions : On XX/XX/year>, I mailed LVNV Funding a Debt Validation letter requesting proof of the alleged debt, including itemized accounting, original creditor information, and proof of ownership. 
LVNV has not responded to my XXXX request and has not provided any verification. 
Despite failing to validate the account, LVNV continues to furnish this information to the credit bureaus. 
The account is also not marked as disputed, even though I challenged its accuracy through the credit bureaus. This is a required FCRA obligation when a consumer disputes information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On multiple occasions my account has been blocked since my account has opened. There have been various occasions where I have been unable to utilize my card due to hold because of transactions that they thought were not authorized varying from XXXX prime to be trying to go to the grocery store. there were many times where I was at stores or trying to purchase something pay a bill and I was unable to do so they do not have access to a after hours or on the weekend holiday call center, so its very hard to speak with someone to get these transaction holds lifted. There were also issues with them verifying my phone number which allow which would allow them to verify my identity. They were unable to do this because their system takes a while to recognize your phone number and because of this they told me that I had to go into the branch every time I had an issue which caused extreme inconvenience is left me in. Its left me an unsafe situations and I have had to use other ways to obtain my money or ask for money from other people when my funds are inaccessible. They also determined which transactions they let me do or not and dont disclose these limitations when i was opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Current bank was apart of my police report they had submitted I was told to provide my information and documentation police report case # is on document so with my name they are not returning stolen funds which a theft report was filed with my wallet and their bank listed in the amount of {$500.00} dollars they are saying the documentation provided cropped which showed my name and case # which I took as I was with the department they wasnt accepting any other way they are saying no document was loaded then they are saying it was uploaded but cropped this bank ignoring a police report which is theft of the stated listing bank compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I am filing this complaint because AvantXXXX is reporting late payments on my credit reports that are the result of inaccurate instructions provided by their own representative, not from any failure on my part to pay.

Avant placed me on a payment plan to close my account with reduced monthly payments. The representative explained how I should submit my payments under this plan, and I followed those instructions exactly. I later learned that the instructions given to me were completely wrong. Because I followed the incorrect process they told me to use, my payments were not applied correctly, and Avant began reporting late payments to the credit bureaus.

These late payments are a direct result of Avants employee providing me with misinformation. I acted in good faith and complied fully with the directions I was given.

I contacted Avants internal complaint department to resolve this issue, but they refused to correct the inaccurate credit reporting or acknowledge the representatives error. Their refusal leaves unfair and incorrect late payment marks on my credit reports.

This situation involves : Incorrect instructions given by Avant staff Misapplied payments due to their error Inaccurate negative credit reporting A refusal to correct the issue after I raised it directly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
The approval and welcome confirmation emails for my Wells Fargo XXXX XXXX XXXX ( application reference XXXX ) stated : XXXX XXXX introductory XXXX for XXXX months from account opening, referencing only a Purchase XXXX and making no distinction or exclusion for balance transfers. The wording clearly implied that the XXXX XXXX APR applied to all balances, including balance transfers, for the first XXXX months. 

Wells Fargo later asserted that balance transfers are excluded unless completed within XXXX daysterms that directly contradict the information in their own approval and welcome communications. The approval email served as the initial written disclosure, and its omission of these key limitations misled me into believing the XXXX XXXX promotional APR applied universally. 

When I accepted the account, I relied on those representations. The subsequent contradiction between the approval email and the later account terms reflects a lack of transparency, misleading inducement, and coercioncausing me to agree to terms inconsistent with what was first presented. This practice violates the Truth in Lending Act and Regulation Z ( 12 C.F.R. 1026.6 & 1026.9 ), which require ALL MATERIAL CREDIT TERMS, INCLUDING BALANCE TRANSFER APR 's, TO BE CLEARLY AND CONSISTENTLY DISCLOSED BEFORE ACCOUNT OPENING.

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 2026-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX To : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : FORMAL GRIEVANCE & NOTICE OF PENDING LEGAL ACTION FOR DEFAMATION To the Office of the XXXX : I am writing to formally dispute the defamatory classification of " High Risk Suspected Credit Abuse '' on my XXXX account and to demand a full reversal of all interest charged since XX/XX/XXXX. 

XXXX. Demand for XXXX of XXXX : I demand that Citibank provide immediate documented proof of what specific behavior constitutes " Credit Abuse. '' As this is a closed-loop store card, Citibank has had total visibility into every transaction. If you are relying on " other sources '' to justify this claim, I demand full disclosure of those sources as required by the Fair Credit Reporting Act ( FCRA ). You have labeled me an " abuser '' WITHOUT PROOF, and I will not let this stand. 

XXXX. XXXX Years of XXXX XXXX : Since XX/XX/XXXX, Citibank knowingly permitted my balance to remain at {$3700.00} on a {$3000.00} credit limit. You did not flag this as " abuse '' during XXXX, XXXX, or XXXX while you were collecting high-interest payments on the overage. It is predatory to profit from an over-limit status for XXXX years and only label the consumer an " abuser '' once you decided to close the account. Citibank abused the interest rates ; I did not abuse the credit. 

XXXX. Intent to XXXX XXXX XXXX for XXXX : Take formal notice that I am pursuing legal means to address this matter. I am treating the " Credit Abuse '' classification as a serious legal matter of defamation and character XXXX. I am currently preparing a lawsuit against XXXX XXXX and Citibank for these inaccurate claims and for your failure to provide a legal Adverse Action Notice in XX/XX/XXXX, which is a direct violation of the Equal Credit Opportunity Act ( ECOA ). Making such a claim WITHOUT PROOF is a liability your legal department needs to address immediately.

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 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX has been reporting XXXX collection accounts ( XXXX amount {$4300.00} and XXXXXXXX XXXX XXXX XXXX XXXX XXXX amount {$15000.00} ) on my credit report that has not been validated. I asked that they do not contact me via telephone and to please send verification of this alleged debt. 
XXXX XXXX  Considerations : Under the Americans with XXXX XXXX ( XXXX ), creditors must provide reasonable accommodations for XXXX XXXX conditions, including XXXX. This may include allowing a third party to manage communications or accepting written communication to reduce anxiety. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
Deposit my XXXX XXXX check of {$69000.00} on Saturday XX/XX/year> at the Navy Federal Branch in XXXX WA. I asked When all the funds would be available they told me Tuesday XX/XX/year> then get an email Tuesday XX/XX/year> that the funds were deposited but they put a 5 day security hold on the account which I was told at the branch would not happen cause they were able to verify the check from XXXX XXXX at the branch when I deposited it. Which this has caused me to not have the funds to pay my bills on time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX. ( reporting as XXXX XXXX  ), through its third-party collection agent Credit Control , LLC , is furnishing materially inaccurate information to XXXX  regarding a debt that has already been settled and is no longer owed. The account ( Account No. XXXX ) was legally settled for less than the full balance under Settlement No. XXXX, with a reported payment date of XX/XX/year>. 

Despite this settlement, the tradeline reflects no balance amount instead of {$0.00} and lists a Date Last Active of XX/XX/year>, which predates the settlement payment. These entries are factually inconsistent and inaccurate. A settled account can not remain open, active, or reflect an undefined balance after payment. 

By continuing to report this paid debt with incorrect and damaging information, XXXXXXXX XXXX XXXX XXXXand its agent Credit Control , LLC are furnishing false information to a consumer reporting agency in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). This inaccurate reporting harms my credit standing and improperly pressures me regarding a debt that is no longer owed.

I request that the CFPB require XXXX XXXX XXXX XXXX and Credit Control , LLC to immediately correct this tradeline to reflect a {$0.00} balance, accurate activity dates consistent with the settlement, and ensure XXXX  updates my credit file accordingly.

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 2026-02-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Conduent Incorporated
State: MS

Complaint narrative:
I am a recipient of XXXX XXXX payments through the XXXX  Department of Human Services ( XXXX ), which are deposited to my Way2Go prepaid card. I received my payment today ( XX/XX/year> ) which I typically use to pay my electric bill. 

Today, I was unable to access my funds because I had previously frozen my card using the Way2Go app ( my standard security practice to prevent unauthorized access ). With the app and XXXX website currently down, I have no way to unfreeze my card. This is not a fraud lock ; the freeze is user-initiated. 

I attempted to resolve this by contacting Way2Go customer service multiple times : 1. I successfully reached Tier 1 representatives twice using the XXXX # trick to bypass automated prompts and reach a live agent. Both representatives indicated I needed a Tier 2 transfer, which is the only way to unfreeze my card.

2. I waited on hold for three hours twice in Tier 2, and both calls were disconnected from the companys end without ever speaking to a Level 2 representative. 
3. On a third call, a Tier 1 agent attempted to reach a supervisor on my behalf, but the supervisor refused to escalate or create a ticket, insisting I must be transferred to Tier 2, which is currently inaccessible.

4. I repeatedly requested escalation, ticket creation, or supervisor assistance, but the company refused all options, leaving me completely unable to access my funds.

As a result, I am unable to pay my electric bill, which is due today. If my funds remain inaccessible, my electricity will be cut off. This is a recurring issue that has happened multiple times in recent months on deposit days, preventing timely access to XXXX XXXX funds that are rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding the debt collection and/or credit reporting practices of Radius Global Solutions. 

I previously disputed this account and requested proper validation of the alleged debt. Despite my dispute, the company has failed to provide competent and sufficient evidence demonstrating that I owe this debt or that it has the legal right to collect it. Nonetheless, the company has continued collection efforts and/or continued reporting the account to consumer reporting agencies. 

To date, the company has failed to provide : A copy of a signed contract or agreement bearing my signature Proof of assignment or legal ownership of the debt A complete accounting and payment history from the original creditor Documentation verifying the accuracy and legal enforceability of the amount claimed Continuing to collect or report a debt without providing proper validation constitutes a failure to conduct a reasonable investigation. 

This conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Continuing collection activity without proper validation Misrepresenting the legal status or ownership of the debt Reporting inaccurate or unverified information to consumer reporting agencies Additionally, as a Florida consumer, I am protected under the Florida Consumer Collection Practices Act ( FCCPA ). Attempting to collect or report a debt without proper documentation, legal standing, or verification constitutes an unfair and deceptive practice under Florida law, including asserting a right that does not exist and misrepresenting the legal status of the alleged obligation.

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