vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OK

Complaint narrative:
Complaint Description : I am filing this complaint regarding unauthorized access, account takeover, and fraudulent transactions on my account with Cash App. Approximately 7 days ago, my account was compromised without my authorization. The unauthorized individual ( s ) changed my cashtag ( from XXXX to an unknown cashtag ) and changed my account PIN, locking me out and taking full control of the account. During this takeover, the individual ( s ) initiated unauthorized transactions totaling {$2100.00}. These funds were used to purchase XXXX and were then immediately transferred out of my account to an external wallet not associated with me. I did not authorize any cryptocurrency purchases or transfers. I promptly contacted Cash App support upon discovering the issue and worked with them to regain access to my account. My cashtag has since been updated to XXXX. I filed a fraud claim, and I was told the matter was escalated. However, despite acting quickly, it has now been 7 days with no resolution, no reimbursement, and no meaningful communication. I also requested a provisional credit so I could access funds for basic necessities, but this request has been ignored. This incident constitutes a clear case of unauthorized electronic fund transfers and account takeover. Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I am entitled to a timely investigation and, where appropriate, provisional credit during the investigation period. Cash Apps failure to provide timely updates, properly investigate, or issue provisional credit appears to be a failure to meet these obligations. Additionally, the fact that my account credentials ( including my PIN ) were changed without proper safeguards raises serious concerns about the adequacy of Cash Apps security measures and fraud prevention controls. I am requesting the following resolution : Immediate reimbursement of the full {$2100.00} in unauthorized transactions Issuance of provisional credit without further delay Completion of a timely and thorough investigation in compliance with federal law A written explanation of how this account takeover occurred and what corrective actions will be taken Confirmation that my account is secure and protected against further unauthorized access I have documentation supporting my claim, including account activity, evidence of unauthorized Bitcoin transactions, and records of my communications with Cash App. I am prepared to provide all supporting materials. If this matter is not resolved promptly, I am prepared to pursue additional remedies available under federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) regarding a collection account they are reporting on behalf of Invitation Homes, which I dispute as inaccurate and invalid. This alleged debt stems from Invitation Homes improper withholding of my security deposit and charges tied to documented deceptive practices that have been subject to enforcement action by the Federal Trade Commission, and I have provided supporting documentation including a class action lawsuit and FTC-related settlement materials. Despite this, FCO continues to report and attempt to collect the debt. I formally disputed the account and requested proper validation, including a current itemized breakdown and proof that the balance is not derived from unlawful charges ; however, FCO relied solely on the creditors confirmation and documents allegedly sent in 2022, failed to conduct a reasonable investigation, and did not provide adequate, current validation or address the legitimacy of the underlying charges. They continue to report this account despite it being formally disputed and unverified, which I believe violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This account applies to both myself and my wife, as we share the same account number. I am requesting immediate deletion of this collection account from all credit reporting agencies, cessation of all collection activity, and written confirmation that the account has been removed and 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 2026-04-30 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: TX

Complaint narrative:
I got a generic letter back in the mail with none of the information I requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX I filed a credit dispute with XXXX regarding a collection account owned by LVNV Funding LLC XXXX serviced by XXXX XXXX XXXX XXXX The dispute was filed through Credit Karma. Later the same day at XXXX, while my dispute was actively under investigation, I received an unsolicited email from XXXX XXXX XXXX XXXX payment plan options for the disputed debt. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from continuing collection activity while a dispute is pending. This same debt was previously investigated by Experian and deleted from my credit report due to inability to verify. I am requesting that the CFPB investigate this violation and ensure the account is removed from my TransUnion credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing this complaint against Chime for a violation of Regulation E regarding an unauthorized account takeover following the loss of my mobile device. Background of Incident : On XX/XX/year>, I lost my XXXX XXXX XXXX XXXX XXXX. This loss was formally reported to the XXXX Police Department ( Case/Tracking # XXXX ). Between XX/XX/XXXX and XX/XX/XXXX, while the device was out of my possession, unauthorized parties accessed my Chime account and initiated multiple transfers totaling {$1100.00}. Chime investigated these transactions and APPROVED claim # XXXX ( {$3.00} ) as fraudulent. This transaction occurred on XXXX XXXX approving this claim, Chime has legally admitted that my account was compromised by an unauthorized party as of XXXX XXXXDespite this admission, Chime DENIED claims # XXXX, # XXXX, and # XXXX, which consist of transfers made between XX/XX/XXXX and XX/XX/XXXX using the same stolen device. Under Regulation E, Chime can not selectively validate fraud within a single period of compromise. Since they have already verified the account was compromised on XX/XX/XXXX, they are required to reverse all subsequent unauthorized transfers made by that same party. Chime has failed to conduct a good-faith investigation and has refused to provide provisional credit or a full reversal of these unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I added a Chase Offer for XXXX XXXX for 40 % off my subscription. The offer expired XX/XX/year>. I made my selection of meals on XXXX XXXX on XX/XX/year> and completed the process. However, XXXX XXXX didn't charge my credit card until XX/XX/year>. When speaking with Chase, they asked me to provide evidence I did everything on my end to meet the deadline. I did, and they declined my request for the promotion. I explained that I did what I had to to meet the deadline and that it was the merchant 's fault for charging a few days later. Even showing screenshots and emails to prove I did everything in time, they wouldn't honor the discount. The only reason I signed up for the subscription was because of the offer. This is a concern as lowers my trust in them honoring discounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My Venmo Business profile was frozen after being placed on the Mastercard MATCH list. Following the termination of my business account, my personal Venmo account was subsequently frozen as well, despite having no violations associated with it. I have contacted Venmo customer support on multiple occasions requesting that my personal account be reinstated, as it is entirely separate from my business activities and has no history of policy violations. Each time, Venmo has refused to take any action or provide a meaningful resolution. The continued freeze of my personal account is causing material hardship, as I am unable to access a payment platform I rely on for personal transactions. I am requesting that Venmo immediately reinstate my personal account or provide a formal written explanation as to why a personal account with no violations is being penalized for business-related issues outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I got a generic letter back in the mail with none of the information I requested

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: IN

Complaint narrative:
In XXXX, after receiving initial notice of this alleged debt, I promptly submitted a written request for validation to IC System regarding the following account : IC System Account # XXXX In addition to my written request, I also contacted IC System by phone to request proper validation of this debt. To date, I have not received any documentation verifying that this debt is valid, that I am legally obligated for it, or that IC System has the authority to collect. Under FDCPA 1692g, once a consumer requests validation, the debt collector is required to cease collection efforts until proper validation is provided. Despite this, IC System has failed to respond and has continued to disregard my request. Through further research into IC Systems practices, I am concerned that my request is being ignored or not properly handled. This raises serious concerns regarding their compliance with federal law. Additionally, if this account is being reported to any credit bureau, it must meet the requirements of : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) Duty to report accurate and verifiable information XXXX XXXX Standards Requirement for complete and consistent reporting At this time, IC System has not provided any documentation such as : A contract or agreement bearing my signature A full account history or itemization of the balance Proof of assignment or authority to collect Without this, the debt remains unverified.

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
I am a XXXX XXXX senior whose sole income is protected XXXX. I am XXXX and XXXX in an RV. I am filing this complaint against XXXX XXXX and their agents for severe violations of the FDCPA and the Rosenthal Act. INTERNAL BRANCH FRAUD : This debt originates from a fraudulently created application at a physical XXXX XXXX branch. I disputed this, and XXXX XXXX recently sent me a copy of the fraudulent application, which only confirms the criminal activity. They have failed to provide a meaningful investigation into this internal fraud. VIOLATION OF CEASE AND DESIST : On XX/XX/year>, I sent a formal Cease and Desist ( C & D ) via Certified Mail, notifying the company of my " Judgment Proof '' status. Despite this, the company sent a new settlement offer in XXXX XXXX direct violation of 15 U.S.C. 1692c ( c ). WEAPONIZATION OF LAW ENFORCEMENT : After receiving my C & D, the company engaged in illegal skip-tracing. They contacted the XXXX Police Department ( XXXX XXXX ) under a false pretense to pinpoint my physical location ( XXXX XXXX ). This was a deceptive attempt to bypass my C & D and harass me. DECEPTIVE TACTICS : I have received masked/anonymous phone calls intended to intimidate me after my formal XXXX & XXXX was received. SAFE HAVEN ADDRESS : The mailing address provided in this complaint is a 'Safe Haven ' address for communication purposes only. I am currently XXXX and XXXXXXXX XXXX my RV. The company has previously used my physical location to harass me via local law enforcement, which is why I am utilizing a third-party mailing address for my safety and the safety of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this formal complaint against Bank of America regarding an unjustified and unreasonable extended hold placed on a U.S. Treasury check ( IRS Refund ) in the amount of {$4700.00}. Chronology of Events : XX/XX/year> : I deposited an official U.S. Treasury check via the Bank of America mobile application. XX/XX/year> ( XXXX XXXX ) : I received an automated notification stating that the total amount was placed on hold until XX/XX/year>. Customer Service Interaction : I contacted Bank of America customer support to request a specific justification for this hold. The representative was unable to provide any plausible reason, merely citing " standard bank procedure. '' Issue : As a U.S. Treasury instrument, this check is guaranteed by the federal government and carries no risk of non-payment. Holding a government-issued check for an extended period without a verifiable risk factor constitutes an unreasonable practice. Impact : This hold is causing me significant financial hardship. Because these funds are being withheld, I am unable to meet my existing financial obligations, specifically my auto loan, resulting in daily collection calls and potential negative impacts on my credit. Request for Resolution : I request that the CFPB investigate this matter and compel Bank of America to release the funds immediately. The bank 's failure to provide a valid, case-specific reason for this hold on a government-guaranteed instrument is unacceptable. I have attempted to resolve this with the bank directly but was met with non-specific responses. I look forward to your assistance in this matter. Account Information : Bank : Bank of America Check Type : U.S. Treasury ( IRS Refund ) Amount : {$4700.00} Date of Deposit : XX/XX/year> Expected Release Date : XX/XX/year> Sincerely, XXXX XXXX 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 monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Saturday morning, XX/XX/XXXX i enter capital ones cafe and spoke with a cafe ambassador about how to deposit my check and when to expect my funds. The cafe ambassador. walked me through the process And I deposited my check. I later received an email stating the deposit was successful and the funds would be the positive on the XXXX of XX/XX/year>. A deposit of {$270.00}. And on XX/XX/year> A deposit of {$6400.00} would be deposited. And the remaining balance of a {$1900.00}. And XXXX cents, would it be deposited on XX/XX/year>. I woke up XX/XX/year> and started to file my annual report For my 2 LLC 's and I checked my capital. One account balance and the XXXX. It was not deposited. Which is a clear violation of the law ( 12 CFR part 229 subpart B ). I reached out to Capital One over 10 times speaking with supervisors. And I even emailed the CEO of capital, one. Explaining that I was facing a hardship possible, eviction, definitely late fees. And lights and water being turned off. XXXX, XXXX inform me that they would b placing a hold and not releasing the {$270.00} that's required by law 12CFR part 229 subpart B Nor the full amount until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I opened Marcus savings account on XX/XX/year>, with promotion bonus of depositing XXXX USD and maintaining 90 days for XXXX USD bonus. The promotion period ended on XX/XX/year>, so my account should be eligible. I did everything to follow the rules ( depositing XXXX USD, maintaining for 90 days ), but the bank told me my account was not enrolled in the promotion bonus and I couldn't get it at 90 days. This is absolutely a mistake. I opened the account from Marcus official website stating this new account promotion. But Marcus bank does not honor this promotion. I feel cheated and baited to open new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: WI

Complaint narrative:
I am behind on payments. Have attempted to contact the company probably a hundred times asking to settle, since I have already paid the initial loan amount many times over. They will not. They continue charging my bank account random amounts at random times I am not expecting, which results in overdrafts to my bank account. This practice of theirs has costed me hundreds of dollars in overdraft fees. I want this company to settle my account with them because I have paid the principal amount back, plus thousands, in addition to their poor business practices costing me hundreds of dollars in bank fees. They also have ignored thirty written requests to stop Ach authorization on my bank account, rather choosing to continue charging me as they wish.

Company response to consumer: Closed with explanation