vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: MS

Complaint narrative:
On XX/XX/year> I used my cash app card to buy a plane ticket with trip.com the transition was declined by Cash App. I received a fraud alert and before I could respond they was a pending transition for XXXX which was the amount I was paying for the ticket. I spoke with the merchant about the transaction and they said it was declined but cash app said they have a hold on the money.i have been back and forth and now cash app has closed my account with that transition still pending. In there terms and conditions it states the following " Any pending transactions at the time of termination, closure, or suspension of your Account will be settled. Any funds that we are holding in custody for you at the time of termination, suspension, or closure of your Account, less any applicable fees, ( 1 ) may be made available for you to withdraw in the Company 's discretion and subject to the other conditions in these Cash App Terms, and ( 2 ) we may require you to link a new bank account that has not been associated with your Account to withdraw such funds. We reserve the right to hold your funds at our discretion to protect the Company or a third party against the risk of reversals, chargebacks, claims, fees, fines, penalties and other liability. In addition, if an investigation is pending at the time of closure, we may hold your funds until resolution of the investigation. ". Yet cash app wont release the transaction and now I am stuck in the airport with no way to buy another ticket XXXX cant get money because my account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Somebody was supposed to send me some money through Chime using a Chime to Anyone transfer using my new phone number I just got. The phone number was already associated with an already-existing account though, so I did not receive the funds. The individual, XXXX XXXX, who the account belongs to was contacted and notified via social media that that money was mine and he needed to send it back or refund it to the person who mistakingly sent it to him. He did not do so. Instead he withdrew the money from the ATM, essentially stealing my money. When I contacted Chime about the situation for a.second time, they refused to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and duplicative credit reporting. The account reported by Midland Credit Management appears to be the same debt as an account previously reported by the original creditor, XXXX XXXX , which now shows a {$0.00} balance and indicates the account was sold. Midland is continuing to report a balance on what appears to be the same debt, resulting in duplicate reporting and inaccurate information on my credit file. This is negatively impacting my credit and does not reflect accurate reporting standards under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX Account Number : XXXX Status : Charged-off auto loan ; Sold The reason for this reinvestigation was due to the fact Santander has sold this loan to Jefferson Capital Systems LLC yet they are both still reporting on my credit profile as if I owe anything. The balance was at {$0.00} and when I tried to get it removed XXXX decided to update the balance to {$32000.00} even after selling the loan. This is inaccurate and duplicate collection reporting. The loan was already brought by another company so it should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Description of Incident : I am filing this complaint due to unfair and deceptive billing practices by XXXX XXXX. I was approved for this credit card account on XX/XX/year>. Per the terms of the agreement, I paid a {$95.00} Program Fee on XX/XX/year>, which was required before the card could be issued. As of today, XX/XX/year>, one full month after paying the initial fee and two months after approval, I have still not received the physical credit card. Despite not having access to the account or the ability to use the card, I received a billing statement on XX/XX/year>, charging me an additional {$75.00} Annual Fee. I contacted customer service on XX/XX/XXXX and was explicitly promised by a representative that the card would be in my possession no later than Friday, XX/XX/XXXX. That deadline has passed, and I still have no card. It is predatory and unreasonable to charge a consumer a {$95.00} " program fee '' and then a {$75.00} " annual fee '' for a product that has not been delivered. I feel I am being defrauded, as the company has collected {$95.00} from me and is now demanding more money while withholding the actual service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
My online XXXX account ending in XXXX holding XXXX k plus is locked down. I have no access to the account, the log in process on the app returns multiple technical difficulties over a dozen times. The new verification is uploading a Id or passport. It dont work, reported many times to XXXX Capital one, over a dozen times. No emails or returned calls. Subsequently I informed XXXX I wish to close my account. XXXX informed me that I must access my account to use notary cam to verify my identity. I did not have to do this when they opened my account. Long story short securenotarycam site will not allow me to schedule an appointment to notary my identity.many technical issues XXXX used them in the last year to verify my identity for XXXX, to verify my identity to add my foreign phone number. Subsequently another XXXX associate stated XXXX policy is no foreign phone numbers. Gave them XXXX XXXX numbers of family none could be verified. Gave them a non voip XXXX new number today same story not verified. Additionally I have a XXXXXXXX XXXX account linked within XXXX, XXXX to XXXX XXXX XXXX XXXX XXXX ending in XXXX. XXXX refuses access to transfers. Due to this phone number issue. Note XXXX and XXXX have no issues with my foreign phone number. As well as XXXX XXXX XXXX XXXX XXXX. I now want to close my XXXX account and transfer everything to my linked account that was linked when iopened my XXXX account. I have exhausted all solutions. I can appreciate the security measures but they are overly restrictive for my situation overseas and notaries are unheard of locally and extremely expensive online. Side note XXXX told me the notary cam should be done on a desktop computer which I dont have and used my XXXX last time I did the verification. Emphasizing my other financial institutions have no problems with a foreign phone number! Lack of customer support no calls no emails means no business with them. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
I am disputing a medical debt being collected by Central Portfolio Control related to emergency treatment. This debt appears to be an out-of-network provider charge associated with emergency care. I received treatment at a facility connected to my coverage, but the provider billing separately was not covered. Under the No Surprises Act, patients are protected from balance billing in emergency situations. I do not believe I am legally responsible for this charge. The debt has been placed into collections despite these protections, and I have not been provided documentation establishing that I am responsible for this balance. I am requesting that this account be reviewed under the No Surprises Act and that it be removed from collections and my credit report, or otherwise corrected accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account associated with the email XXXX was permanently limited by PayPal. I have a remaining balance of {$130.00} USD in the account, which comes from legitimate earnings received via XXXX ( not from any high-risk, prohibited, or suspicious activity ). The specific transaction is identified by Transaction ID : XXXX. What happened : - The account was suddenly and permanently restricted/limited by PayPal. - I am unable to access, send, or withdraw the available balance. - I believe the funds are from valid XXXX-related earnings and should be eligible for release/withdrawal. - No prior warnings, disputes, chargebacks, or policy violations ( to my knowledge ) were communicated that would justify this action. - I request that PayPal review the account, confirm the legitimacy of the {$130.00} balance ( specifically referencing the above transaction ID ), and assist with immediate or expedited withdrawal of the funds to my linked bank account or another verified method. Actions taken by me : - I have logged into the account ( where possible ) and reviewed the activity and notifications. - I am now formally reporting this issue and requesting assistance for release of the legitimate balance. Requested resolution, - Confirmation of eligibility for the {$130.00} balance. - Assistance with full withdrawal of the funds without further delay. - If a standard 180-day holding period applies due to the permanent limitation, please provide the exact start date of the limitation and the expected release timeline. - Full explanation of the reason for the permanent limitation, if one exists beyond automated risk flags. I have not opened multiple accounts, engaged in prohibited activities, or had any negative balance/chargeback issues related to this balance. The funds represent legitimate earnings and should not be held indefinitely. Please escalate this for urgent review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report 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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> and the amount is XXXX dollars. I try to dispute on cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
Complaint Submission To : CONSUMER FINANCIAL PROTECTION BUREAU Subject : Complaint Crypto.com Withholding Funds $ XXXX Body : Dear Consumer Financial Protection Bureau XXXX I am filing a complaint against Crypto.com regarding unlawful withholding of my funds. In XX/XX/year>, I had {$2300.00} in my Crypto.com account. I authorized a {$1000.00} cryptocurrency purchase, but the remaining balance of $ XXXX belongs to me. Despite repeated attempts to retrieve these funds, Crypto.com has not given me my money it has been almost XXXX YEARS TRYING TO GET MY MONEY FROM CRYPTO.COM Despite repeated attempts to retrieve these funds, Crypto.com has refused to return my money and continues to keep my account open while withholding my balance. am requesting : Immediate return of my remaining balance via check payable to me Closure of my account Full transaction records explaining the withholding Crypto.coms actions constitute unfair and deceptive practices, and I am requesting the CFPB intervene to ensure my funds are returned immediately. My contact information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX PHONE NUMBER : XXXX EMAIL IS : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NY

Complaint narrative:
I am writing in response to Chases reply regarding my complaint. While I acknowledge your statement that the account ending in XXXX is not currently reporting to XXXX XXXX XXXX and that Chase no longer reports to XXXX, your response does not address the core issue of my complaint. I am being denied the ability to open a new account with Chase due to alleged fraud, yet you state there is no inaccurate, outdated, or unverifiable information being reported. This presents a clear contradiction. If there is no negative reporting, then what specific information is being used to justify denying me access to banking services? I am formally requesting the following : A clear explanation of the specific reason for my denial, including whether this decision is based on an internal fraud designation or internal risk classification. The method of verification used to determine any alleged fraud associated with my identity or prior account. Disclosure of any internal records, flags, or indicators that are currently being used to restrict my ability to open an account. The source of any information used in this determination, including whether any third-party data ( such as XXXX XXXX XXXX or other consumer reporting agencies ) contributed to this decision. The steps required for me to correct, dispute, or clear any such fraud designation if it exists. If Chase is making an adverse decision based on information related to my identity or prior account history, I have the right under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws to understand the basis of that decision and to dispute any inaccurate or unverifiable information. At this time, your response lacks transparency and does not provide sufficient detail to allow me to resolve this matter. I am requesting a more thorough investigation and a complete, good-faith response addressing the points above. If this issue involves potential identity theft or misattributed fraud, I expect Chase to provide guidance on how to remedy the situation and restore my ability to access banking services. I look forward to your prompt and detailed response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Skopos Financial, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding Reprise Financials handling of my account and communication practices. Approximately 3 months ago, I notified the company in writing that I am voluntarily surrendering my vehicle. I also clearly stated that all communication must be conducted in writing and that I do not consent to phone calls. Despite multiple written requests, the company continues to repeatedly call me and has failed to provide written instructions for surrender, including a drop-off location or pickup scheduling. This ongoing behavior is delaying the surrender process and causing additional interest and fees to accrue on my account unnecessarily. I have made good faith efforts to resolve this matter directly with the company, including requesting written instructions and written-only communication multiple times. I am requesting the following : 1. Immediate written instructions for voluntary surrender ( drop-off location or pickup date/time ) 2. Immediate cessation of all phone calls 3. Confirmation that all future communication will be conducted in writing only I have documented repeated unwanted calls after requesting written-only communication. This complaint is regarding repeated phone calls, failure to follow communication requests, and delay in processing voluntary surrender.

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 2026-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Santander Consumer USA Account Number : XXXX Status : Charged-off auto loan ; Sold The reason for this reinvestigation was due to the fact Santander has sold this loan to XXXX XXXX XXXX XXXX yet they are both still reporting on my credit profile as if I owe anything. The balance was at {$0.00} and when I tried to get it removed Santander decided to update the balance to {$32000.00} even after selling the loan. This is inaccurate and duplicate collection reporting. The loan was already brought by another company so it should not be reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried to open a Citi bank account in XXXX. Even after speaking with the fraud department at the branch they have not tried to assist me in any way. I have no knowledge of ever opening a Citi bank account. My information was exposed due to a data breach and somehow my personal information got exposed. I have went inside a Citi bank branch myself tried to prove that I never opened the account due to fraud being done and asking for them to check cameras but nothing was ever done.

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
I currently facing economic hardship and struggling to pay my payments and I called XXXX XXXX to work with my situation

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding Webster Banks failure to honor a promotional offer ( Earn up to {$300.00} with Premium Checking ) despite my full compliance with all stated terms. On XX/XX/year>, I opened a Premium Checking account in person at a Webster Bank branch XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX. During account opening, I specifically asked the banker assisting me ( XXXX ) about the promotional offer. He confirmed multiple times that I was successfully enrolled in the promotion : https : //cloud.email.websterbank.com/premium-bonus The terms of the promotion, as advertised and still publicly available, state that : Customers must open a Premium Checking account by XX/XX/year> Must enroll in the promotion Must receive qualifying direct deposits of {$500.00} or more during each statement cycle A {$150.00} bonus is paid for each qualifying statement cycle, up to {$300.00} total ( See attached promotional terms ) I fully satisfied all requirements : XX/XX/year> : Direct deposit of {$500.00} XX/XX/year> : Direct deposit of {$500.00} Both deposits meet the qualifying ACH direct deposit requirement ( See attached transaction records ) Based on the promotion terms, I should have received : {$150.00} at the end of the XXXX statement cycle {$150.00} at the end of the XXXX statement cycle However, I did not receive any bonus payments. I made multiple attempts to resolve this issue : Called Webster Bank customer service multiple times Sent secure messages Visited the branch in person in XXXX Customer service repeatedly redirected me back to the branch, stating that this promotion is handled only at the branch level. At the branch, I was informed that : The missing bonuses would be credited in XXXX Both missed payments ( {$300.00} total ) would be issued during the XXXX statement cycle However, this did not occur. As of today : No bonus has been paid No clear explanation has been provided No timeline for resolution has been given Key Issue : The promotion terms clearly state that : Payment is issued at the end of each qualifying statement cycle Customers must be enrolled and meet deposit requirements I met all qualifying criteria. The bank confirmed enrollment at account opening. Despite this, the bank failed to issue the promised payments and failed to resolve the issue after multiple escalation attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

Complaint narrative:
On XX/XX/year>, I made an agreed-upon settlement payment of {$2300.00} to Genesis ( Columbia Debt Recovery ). On XX/XX/year>, Genesis sent me an official email acknowledging this payment and explicitly stating : " This releases you from any further liability ... COLUMBIA DEBT RECOVERY LLC DBA GENESIS further agrees to request full deletion of any negative information supplied to any credit bureau regarding this account. '' Despite this written agreement and the cleared payment, Genesis has failed to process the deletion. They are currently reporting this account inaccurately as an active, unpaid balance on my credit profile. I have attached their official release letter, as well as a redacted copy of my credit card statement showing the cleared transaction. This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that Genesis honor their written agreement and immediately delete this trade line from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation