vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avant Holding Company, Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding improper debt servicing, inaccurate credit reporting, and collection activity related to an Avant account. In XX/XX/year>, I made a payment to Avant on my account in the amount of {$2700.00}. This payment successfully cleared my bank account and was not returned. Avants own system reflected the payment as posted. Despite accepting my payment, I later learned that Avant had sold or transferred the account. However, the payment I made was not properly accounted for, and the debt was subsequently sent to collections. As a result, this debt appeared on my credit report twice, causing duplicate negative reporting related to the same obligation. I was forced to spend significant time investigating the issue, disputing inaccurate reporting, gathering documentation, and attempting to resolve a matter that should not have occurred had the payment been properly handled. This inaccurate reporting and collection activity caused unnecessary XXXX, inconvenience, and potential harm to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of america sold debt in XXXX to XXXX XXXX been fighting with them since XXXX when i found out and theres open case going on to collect as bank of america and i have am email from a XXXX of bank of america that states thius is closed

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
A return from XXXX XXXX was returned on XX/XX/year> for {$74.00} Merchant stated that I would need to allow 3-5 business days. Checking numerous of times for refund there were no signs of it being deposited back into my account until I called to complain about not receiving. On XX/XX/year> bank associate told me to scroll all the way down on my bank app and that is where we discovered that the account was refunded. The Bank America Associate told me that there were other items pending but there was nothing that could have been processing because my account was sitting at a XXXX . I believe that this raise suspicious concerns because I receive text alerts that make me aware. I was not made aware and did not see this refund in my account on XX/XX/year>

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 2026-05-29 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2026 at XXXX XXXX To : XXXX Subject : Remove block from XXXX credit card I recently electronically applied for, was approved and was issued a XXXX Barclays credit card. I was offered a promotion to make an initial purchase and get XXXX miles and subsequently to charge {$3000.00} to maintain my status for 12 months. I Immediately made a purchase and received my XXXX award mile. I also made several purchases totaling about {$2000.00} toward the {$3000.00} requirement to maintain my elite status. my account was flagged by the fraud department when 3 more transactions could not process. I spoke with XXXX in the fraud department and they asked me to send documentation confirming my identity. I subsequently did that, and they came back and asked for additional information, including a request for my copy of Social Security card. I originally provided my Social Security number in my application process. I will never make a copy of my Social Security card and send it to you via snail Us mail which is definitely susceptible to fraudulent activity. Im totally frustrated by this process. I have an XXXX credit score and only wanted to make these purchases to obtain the benefits that I was promised. XXXX told me that an algorithm was triggered and the account was subsequently blocked and my documents which I faxed arent acceptable. Please look into this situation and remove the block from my account and notify me when this is accomplished. Thank you very much for your help with this. I hope this is not a case of elder abuse. My husband who carries a different last name has had no problem using his card making purchases. If this problem is not resolved, then I know I will continue to happily use my XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cash App company who do NOT resolve my account problem for years. They never listen to me or believe in me because I have been appealing my case many times over and over. I told them that I have been scammed by someone who claimed to be one of these stupid cashapp employees who are working for that company due to " cashapp loading program '' that I found on their stupid website. These employees and boss at that company who do NOT believe me about this matter because I have been speaking the truth many times over and over. And I told them that I do NOT violate any of their stupid terms of service agreements. I am a good XXXX woman. Not a XXXX criminal of what they think of how they judged me that way of how they treated me for years due to this issue. If cashapp company who still refuses to give me my XXXX account back this time and I will sue them in court for this reason. And I will have law enforcement to be involve this time to help me with my case that can be appealing many times over about this. Law enforcement will be on my side to hear my story of how I have been scammed by someone who are claimed to be one of these cashapp employees accordingly to " cashapp loading program '' who scammed me for money on cashapp there for years. And nobody believes me the truth about it, but law enforcement will be on my side supporting this case about it. That why I want to file a lawsuit in court because of this reason that cashapp who still refuses to give my account back because of this reason that they won't do it. And that explains why cashapp and also to their stupid team members support center who are NOT doing their XXXX job to providing me answers of why my account closed without my permission or my consent. And also they do NOT provide answers of which specifically that they are accusing me of violating their stupid terms of service agreements or whatever the reason itself that they do not want to provide anything to me about it. And that why I got bad responses from cashapp because of this reason that they do not provide me answers of what I asked for them to do and they still refuses it. That is the worst team member support I ever had by contacted them for help and they still give me NOTHING to improve my case. They totally ignored me at all. Not cool.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 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: TN

Complaint narrative:
Transaction number for this UNAUTHORIZED TRANSACTION IS XXXX FOLLOWING THE DATE XX/XX/year>, I got notifications that XXXX was withdrawn from my account, once I looked at the transfer I noticed a XXXX XXXX XXXX card was written at the bottom of the transaction. I DID NOT AUTHORIZE THIS TRANSACTION, I DO NOT HAVE KNOWLEDGE OF THIS CARD OR BANK! CASH APP HAS CONFIRMED MULTIPLE LOG INS ON MY ACCOUNT THAT WAS UNAUTHORIZED! I WAS LOOPED FOR WEEKS AT A TIME, BECAUSE CASH APP HAS POORLY HELPED ME AND REFUSED TO CLOSE THE CASH APP BANK ACCOUNT, AFTER I COMMUNICATED THAT SINCE IT WAS COMPROMISED TO CLOSE IT, AND THEN CASH APP LET XXXX XXXX XXXX STEAL {$49.00} FROM THE SAME ACCOUNT I REQUESTED TO BE SHUT DOWN, AN THEN I HAD TO MAKE REPORTS TO THE BUREAU AND THEN XXXX REFUNDED {$49.00} AND CASH APP CLOSED BOTH DISPUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: TX

Complaint narrative:
Since XX/XX/XXXX, Square has been holding {$1000.00} of my funds. Due to the excessive delay, lack of resolution, and unprofessional handling of this matter, I am now demanding {$3000.00} in compensation. For several months, I have repeatedly contacted Square regarding the release of my funds. Rather than resolving the issue, I have been given inconsistent information and continual runaround responses. Square informed me that my account had been deactivated and that they would no longer conduct business with me. While I accepted that decision, I requested that the funds being held be returned to the original credit card used for the transaction. I subsequently received an email confirming that the funds would be refunded ; however, the refund was never processed. On XX/XX/XXXX, Square again sent me written confirmation stating that the funds would be returned to my credit card. Despite this assurance, the refund has still not been issued. As a direct result of Square 's failure to return my funds in a timely manner, my credit card account has incurred additional fees and interest charges. I believe these damages were caused by Square 's failure to honor its commitments and its unreasonable delay in releasing my money. I am requesting immediate resolution of this matter, including reimbursement of the original {$1000.00} and compensation totaling {$3000.00} for the financial harm, inconvenience, and extended delay caused by Square 's actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 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: TX

Complaint narrative:
I sent money to a family member not knowing he had been incarcerated the transaction is still showing pending and cash app will not revert my funds back to me since it will be years before he gets released all they keep saying is that the transaction was completed they have no right to keep my money and this is not the first time this also happens when I order from XXXX online it takes them weeks to send my preauthorized balance back after I have placed orders and they have settled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 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: Block, Inc.
State: LA

Complaint narrative:
I am filing this complaint regarding a transaction that was processed through Cash App for a XXXX order totaling {$390.00} on XX/XX/year> The XXXX order was canceled, and I never received any product, device, or service related to this transaction. XXXX has confirmed that the order was canceled. Despite this, I have not received a refund, and more than XXXX months have passed since the cancellation. I filed a dispute with Cash App and provided supporting documentation. The dispute was denied. I then filed an appeal and again provided evidence that the order was canceled and never fulfilled. The appeal was also denied. Cash App continues to state that the dispute is closed, but I have not been provided with a satisfactory explanation as to why I am being held responsible for a charge involving an order that was canceled and never received. I am requesting a thorough review of this matter and a written explanation of the evidence relied upon to deny my claim. I am also requesting reimbursement of the {$390.00} charged for the canceled XXXX order. I have documentation from XXXX confirming the cancellation and can provide any additional records upon request. Thank you for your attention to this matter.

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: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year> at approx XXXX pm noon I met a guy named XXXX who wanted to purchase a XXXX XXXX baseball card from me off facebooks marketplace. I was brok cans had just enough gas to get there from XXXX sc. its a XXXX XXXX XXXX. I get there we meet he likes card and proceeds to pay me {$400.00} using cash app. When he typed in what the transaction was for he typed cards and it was flagged SCAM ALERT. As a result he got scared and decided not to get it leaving me stranded with no gas. Then yall requested {$30.00} payment for overdraft I owed and I said I just tried to get you the money and you destroyed the transaction. Im a XXXX veteran and single dad and I was stranded for XXXX hours causing me to lose another {$600.00} sale back home. I want at least {$400.00} reimbursement plus forgiven {$30.00} overdraft fee. I have pics and documentation for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a formal complaint against Cash App for failing to protect my deposited funds from a severe merchant impersonation scam. On XX/XX/year>2026 I loaded a total of {$1000.00} cash onto my Cash App card at the XXXX XXXX grocery store. Immediately following this, I was targeted by fraudsters heavily impersonating the online marketplace XXXX. They convinced me via fraudulent emails that a XXXX payment was required to complete a mandatory account activation process so I could fulfill orders for waiting buyers. I sent the {$1000.00} from my Cash App Balance to the Cashtag provided by the scammers. The transaction is marked as Completed. The Scammers are now attempting to extort an additional {$1000.00} from me under the guise of a full refund when my account with XXXX is Activated. I immediately contacted Cash App XXXX to report this clear case of merchant impersonation and criminal fraud. Cash App has refused to reverse the transactions or assist in recovering my funds, hiding behind claim that the transaction is Completed. Cash App has a duty to police its platform against obvious criminal exploration, brand impersonation, and fraud. By failing to freeze the receiving account or reverse the stolen funds. Cash App is enabling financial crimes against its users. I demand that Cash App fully investigate this fraudulent account, permanently ban the user, ad return my stolen {$1000.00} balance I also have a Police Report XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, I am contacting you regarding a check deposit that has been pending in my account for almost XXXX weeks. I deposited the check on [ XXXX XX/XX/year> ], and the funds still have not been released or clearly explained to me. From BMO bank and the I would like to know : The exact reason for the delay Whether there is any issue with the check When the funds will be available in my account This delay is causing financial hardship for me, and I respectfully request an urgent review of my case and a written update as soon as possible. Thank you.

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 2026-06-01 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: TN

Complaint narrative:
My legal name is XXXX XXXX My Cash App cashtag is [ XXXX XXXXXXXX ]. The email XXXX phone number linked to my account is XXXX The unauthorized transaction occurred on XX/XX/year> at approximately XXXX XXXX in the amount of approximately {$5000.00}. Transaction number : XXXX. 3. My device was in my possession at the time ; however, I did not authorize, initiate, or approve this transaction in any way. This transaction is unauthorized and I am requesting a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
I have over thousands of transcribed emails over thousands of transcribed phone calls which is perfectly legal due to the fact that it was not recorded however I have repetitively been shut down I have called the XXXX XXXX number that does not do anything about anything. I have seen somebody with a cash app card in my name that was illegal and when I tried to talk to them after this person just called in and said it was a mistake it's not a mistake that was fraud they literally told me they could not talk to me afterwards or shut down the card due to the fact that they can only take one person each phone call and hung up on me I tried to reach them back with no luck when I did get back to them they told me they couldn't talk to me about it because it was not on my phone number or was not my card or I needed to sign up for a card to be able to go into Cash app has allowed numerous cards and I mean hundreds of cards to be sent out in my name illegally every time I caught the cards being sent out I would call them and ask them not to send out any more cash app cards in my name as I do not and will not ever use cash app they refuse to do so they still kept sending them I kept losing money over them because people are connecting them to my bank accounts to my XXXX XXXX accounts and deducting my money out of my accounts and they've been doing this since XX/XX/XXXX when does it stop in the year of XXXX I had a lot of money taken by cash app where somebody which hopefully they will be caught soon had taken a cash out card and attached it to my banking card this was family so I did not know that they had done this but I have turned this incense finding out who it was by myself cash app never offered one dime nor help to recover these funds I have never got one single sent back from nor the bank nor cash app. Also they are allowing it to happen as of right now there are over 13 accounts open in my name spelled differently XXXX XXXX XXXXXXXX XXXX XXXX XXXX also my last name is spelled differently as well XXXX XXXX XXXX XXXX XXXX XXXX and sometimes even more different the last XXXX of my social used XXXX as well as XXXX I have noticed that a XXXX XXXX has been using my social security number with the last two numbers switched around for quite some time I do not believe XXXX XXXX exist as his information is my information his birthday is my birthday and so forth please do not send any correspondence to my mailbox please only call me and make sure that you are talking to only me as I am having issues with people changing my mailing address, as well as keeping a phone on in my name, as well as keeping emails so please I beg of you call me on the number I provided above as soon as possible I want this taken care of as soon as possible or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
I have been getting messages non stop. I do not know who Bounce AI is. It's showing up on my credit and I have never talked with no one from Bounce AI. They asked to settle for a lesser amount of what is owed. I have no idea of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Bridge IT, Inc.
State: NY

Complaint narrative:
Brigit keeps charging subscription fees even after individuals have cancelled their subscription.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
XXXX of XXXX my XXXX XXXX XXXX was totaled my deductible was XXXX XXXX I did not pay it. XXXX XXXX the gap coverage drive time use said they paid XXXX of the deductible meaning I would only owe XXXX XXXX on the car they received all the money and did not change my car balance I am now stuck with XXXX XXXX dollers on my credit because brigecrest refused to fix it they can be reached at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BYS, LLC. d/b/a Boost Your Score
State: NC

Complaint narrative:
This information is incorrect ; although I have submitted a request to have this information removed, my rights have been violated under 15 U.S.C. 1681b, as the proper procedure requires the verification of my personal information.

Company response to consumer: Closed with explanation