vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AZ

Complaint narrative:
My son is XXXX XXXX XXXX and I was unaware of him creating a Cash App account I ended up getting him a phone under my account and we have that new Cash App account that I allow him to have verified. The old phone he had was a prepaid phone so he didnt verify his email or his phone number on there and that phone was stolen along with his wallet. He created a new account with me. I am a sponsor and his aunt who is my sister sent him {$100.00} on the beginning of XX/XX/year>, but she sent it to his old account. We have been trying to get in touch with them to have them transfer it out of that account to his new account or to transfer it to my account and they wont do it. They have told me that my sister needs to call in and canceled the transfer and she needs to be the XXXX to speak with customer service but she lives XXXX hours away and shes shes done that but when she calls in they tell her that I need to be to want to call in and they keep plan a run around game with us so we both got together and called on different phones and they both hung up on each of us, I have been trying to get that funds returned for over XXXX weeks now and they keep coming up with excuses every time they tried to hang up on me this time because they said I was driving and for me to call back after I pull over and they keep trying to do a transfer supposedly but when it doesnt go through, they tell me I have to call back again at XXXX hours and try something different. I have been calling XXXX times a week even on the weekends and I dont get anywhere. I have to speak to a manager, but they tell me that managers respond only to emails. I am not getting anywhere with them. I just keep running around in circles and this is supposed to be for my sons school because we arent in the best spot financially right now so this little bit of money really hurts us and Cash App says they will handle complaints as fast as they can, but theyre not the furthest I got was today when customer service lady tried to send it to my other sons Cash App account which he created XXXX months ago, but her excuse was that account wasnt verified so we need to verify the account and call back in XXXX hours but my son was next to me and he showed me his account and on his and he said everything was verified but they just keep making excuses why they cant send the money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I have received numerous emails and text messages from collection agency after asking to cease collection activity and communication.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 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: Block, Inc.
State: FL

Complaint narrative:
I had a Cash App savings account of {$1700.00} as of XX/XX/XXXX. On XX/XX/XXXX, I checked my balance, and it showed only {$72.00}. I began reviewing the activity on my account and discovered that a person named XXXX XXXX had transferred {$1700.00} from my savings to my cash balance. She then paid herself {$1600.00}. 

I formally disputed the transactions with Cash App, but they denied my claim. They asserted, without basis, that my account was not compromised and that the payment was authorized by me or someone else authorized to use my account, simply because the transaction was initiated by a device in my possession. Although I had all my devices under my control, I never authorized anyone to use my account. When I contacted Cash App support, they reiterated this unsupported conclusion. 

I reiterated to them that my account had been hacked by this XXXX XXXX and that I had no idea who she was. Cash App told me I would have to submit each transaction as a separate dispute. As I was in the process of doing this, the person I was speaking with, named XXXX, disconnected the call. 

Because XXXX XXXX hacked my account from XX/XX/XXXX, to XX/XX/XXXX, she was able to initiate withdrawals from my XXXX XXXX checking account into my Cash App balance, which she used to purchase and sell Bitcoin. At that time, I only had about {$26.00} in my Bitcoin account. I do not have knowledge about Bitcoin, and originally purchased {$25.00} just to see how it worked. 

See Attachment A ( XXXX page ) for the list of the other transactions she initiated. On XX/XX/XXXX, a {$350.00} transaction was also denied, as was the {$1600.00} transaction from XX/XX/XXXX. I have filed a dispute with Cash App for the remaining transactions listed. 

See Attachment B ( XXXX pages ) for the claim details for the dispute I filed with XXXX XXXX regarding the money XXXX XXXX withdrew from my checking account using my debit card ending in XXXX. 

See Attachment C ( XXXX pages ) for the claim details from XXXX XXXX, which they denied. 

Attachment D ( XXXX page ) shows what was in my Cash App savings as of XX/XX/XXXX. 

Attachment XXXX ( XXXX pages ) is a copy of the transactions Im disputing. 

Attachment F ( XXXX pages ) is a transcript of the conversations and emails Ive had with Cash App XXXX. 

Attachment G ( XXXX page ) shows XXXX XXXX history with me. 

Based on the provided documentation, it is evident that I was defrauded. I expect a full refund for the funds I lost. 

If you have any questions, contact me directly at XXXX or XXXX. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had just made payments on the card- had some delays on processing and the card closed after dropping the credit limit thereby increasing utilization while putting me at a disadvantage after I had paid XXXX into the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PNC Bank N.A.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this complaint against PNC XXXX XXXX regarding a post-bankruptcy discharge repossession and continued enforcement activity, which I believe violates federal bankruptcy law and consumer protection standards. 

Background and Timeline XX/XX/XXXX A Chapter XXXX bankruptcy petition was filed in the United States Bankruptcy XXXX. The PNC XXXX XXXX auto loan was properly scheduled as part of the bankruptcy filing. 

[ XX/XX/XXXX The bankruptcy case was formally XXXX, releasing personal liability for the auto loan. 

[ XX/XX/XXXX PNC XXXX XXXX asserted that a remaining balance of approximately $ [ XXXX ] was owed following discharge which was only late charge owed the account. The charge off the loan on XX/XX/XXXX after we mad a payment of XXXX which they applied total to late charger because they stated the only balance remaining was late charger XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] The alleged balance was formally disputed in writing, and PNC was notified that the debt had been XXXX. A request was made for validation and a corrected account balance. No validation or corrected accounting was provided. 

[ XX/XX/XXXX ] Despite the completed bankruptcy discharge and the unresolved dispute, PNC XXXX XXXX repossessed the vehicle. Which cause another XXXX in fee and left me and children strange in the rain and cold outside of XXXX XXXX in XXXX, TX At no time was a reaffirmation agreement executed or approved by the bankruptcy court, nor was any court order issued authorizing post-discharge enforcement. 

Issues of Concern Repossession occurred after the bankruptcy discharge, when no enforceable personal obligation existed. 

PNC XXXX XXXX proceeded with enforcement despite receiving notice of the bankruptcy discharge and written dispute. 

This conduct appears to violate the bankruptcy discharge injunction under XXXX U.S.C. XXXX ( a ), which prohibits any act to collect or enforce a XXXX debt. 

The repossession also appears to constitute wrongful repossession under applicable Texas law, as it was based on a XXXX and disputed obligation. 

Requested Resolution I respectfully request that the CFPB require PNC XXXX XXXX to : Provide a written explanation justifying the post-discharge repossession Confirm that all balances associated with the XXXX auto loan are permanently waived Cease all collection, enforcement, and reporting activity related to this account Take corrective action to prevent similar violations in the future, additional education to employee on collection process when account are in bankruptcy. Also return the overpayment of repossession and loan amount. They violated bankruptcy laws and stay was loan was in protection. 

This complaint is submitted in good faith and supported by bankruptcy court records and written dispute correspondence. I request CFPB review and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXXr XXXX, XXXX, I made an online payment for $XXXX  To U.S. Bank \n\nThis payment was made in error. I do not have an account with XXXX XXXX.\n\nI contacted XXXX XXXX they told me to contact my bank B of A and they could help me. After numerous calls I just found out they closed the case# XXXX XXXX XXXX.\n\nI have not received my money back from XXXX XXXX and Bank of America has not helped to get my money back.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: IL

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding unauthorized transactions on my Netspend account and the handling of my disputes. 

Funds were taken from my account without my authorization. I promptly reported the issue to Netspend and filed disputes. Netspend provided me with the following claim numbers : Claim Number : XXXX Claim Number : XXXX At this time, I am still waiting for the disputes to be fully investigated and resolved. These funds are important to me, and the delay has caused financial hardship. I have complied with all requests from Netspend and provided the required information, yet my case remains unresolved. 

I am requesting assistance to ensure that Netspend completes its investigation in a timely manner, provides provisional credit if applicable, and returns any funds determined to have been taken without authorization in accordance with consumer protection regulations. 

Thank you for your time and assistance. I look forward to a fair and prompt resolution of this matter. 

Sincerely, 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 explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Because of additional documents that were submitted, the company has decided to reopen the complaint and to investigate it further.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Capital Solutions, LLC
State: GA

Complaint narrative:
Reliant Capital Solutions , LLC is attempting to collect an alleged debt originating from XXXX XXXX XXXX XXXX ( Account Ending in XXXX ). 

I am disputing this debt because Reliant has failed to provide sufficient verification that they own this account or are legally authorized to collect it. They have not provided a complete accounting of the debt, nor have they provided a " chain of title '' proving the debt was legally transferred from XXXX XXXX to Reliant. I question Reliant 's standing to sue or collect under O.C.G.A. XXXX as they may be a debt collector without the proper rights to enforce the instrument. 

I have attached a formal " ACCOUNTING AND STANDING DEMAND '' which I sent to Reliant via email at XXXX on XX/XX/year>. The demand letter is also attached to this complaint. This letter demands : Proof of Reliant 's standing and " real party in interest '' status. 
A complete ledger of transactions and interest calculations. 
Documentation proving the debt was not sold, securitized, or charged off with insurance recoveries. 
I request that the CFPB facilitate the retrieval of this accounting and verification. If Reliant can not prove they own this debt or provide the accurate accounting requested, I ask that the collection efforts be ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear Sir, I am unclear why my credit cards were closed without my permission after raising a concern about my account with the XXXX I feel this is punitive in nature. XXXX nor any agent of Wells Fargo informed me that my accounts would be closed. Please respond as to why this was done after I raised my concern with the XXXX I my account has never been delinquent. I am concerned about animus, retaliation and discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am the victim of a major violation of Regulation XXXX and XXXX Operating Rules involving my mortgage servicer and an external bank. Between XX/XX/XXXX, and XX/XX/XXXX, the external bank processed fraudulent " Unauthorized '' ( XXXX ) ACH disputes for approximately XXXX mortgage payments dating back to XX/XX/XXXX. These reversals totaled over {$20000.00} and caused my mortgage to go into immediate default. 

This action violates federal banking regulations for three reasons : Violation of the 60-Day Dispute Window : The originating bank allowed the payor to reverse payments made as far back as 18 months ago. Under Regulation E and NACHA rules, a consumer generally has a maximum of 60 days from the statement date to dispute a transaction as unauthorized. Reversing 18 months of payments is a compliance failure. 

Proof of Authorization ( Phone Logs ) : My mortgage servicer 's own investigation confirmed that these payments were initiated via telephone using the payor 's known personal cell phone number and her mother 's phone number. It is impossible for these payments to be " unauthorized '' when they were dialed in from the accountholder 's personal device. 

Theft of Services : The payor was the sole occupant of the property during the entire period of these payments, as confirmed by a Court Order for Contempt. She utilized the housing services she paid for. These reversals were initiated only days after the payor was evicted and removed from the property title by a court judge, proving this is a retaliatory abuse of the banking dispute system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I called and emailed Cash.App after I received a credit card in the mail that I never requested. I have NEVER used Cash.App. I NEVER requested a credit card. I told them that I was a victim of identity theft ( my social security number was found on the dark web by MyIDCare, I was emailed XX/XX/XXXX ). On XX/XX/XXXX I joined all XX/XX/XXXX credit bureaus and had my credit FROZEN for XX/XX/XXXXyear starting on XX/XX/XXXX ( which I did again a year later too ). So, XX/XX/XXXX months AFTER I froze my credit, a credit card, unsolicited, appears at my mailbox from Cash.App. I also bought a locking mailbox too after I received the Cash.App credit card. On the XX/XX/XXXXcall to Cash.App on XX/XX/XXXX a XX/XX/XXXX person " XXXX XXXX '' said they could send me an email and I needed to photograph the card and provide information that arrived in the mailing. I did this immediately. They said at the bottom of their email, that if I gave them this information, they would disable the card. I requested on the phone that I wanted EVERYTHING deleted because this was fraud. Today, XX/XX/XXXX I received a XXXX from Block, Inc. ( Cash.App ) and in XXXX, XXXX, an XXXX. ( for XX/XX/XXXX ) it says {$980.00}. Part XXXX says the number of transactions was XXXX. I have NEVER RECEIVED ANY OF THESE PAYMENTS. I was not aware of ANY of this and have not heard from XXXX XXXX or Cash App since I talked to themXX/XX/XXXX and emailed them back on XX/XX/XXXX. When I called them today ( XX/XX/XXXX ) they would NOT connect me to a manager, accounting personnel, or anyone in fraud. The could not give me any information and insisted that I give them my email so they could give my complaint to a manager. I gave my email and " XXXX '' the customer service representative ( around XXXXXX/XX/XXXX ) told me her manager would be contacting my email in XXXX, and that is all she could do, and that is there standard procedure. I have no other information- they will not tell me anything - not from a year ago and not a year later either. THIS COMPANY KNEW I HAD IDENTITY THEFT AND KNEW I RECEIVED XXXX OF THIER CREDIT CARDS UNSOLICITED ON XX/XX/XXXX. The XXXX I got in the mail today ( which I did not include because it has part of my social security number on it ) shows that money was moved to someone pretending to be me in XXXX ( XXXX ) - AND THEY DID NOTHING. They still sent me a XXXX for XXXX a FULL YEAR LATER. This company is irresponsible and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a repossession notice in my portal from my lender Ally XXXX. I called in and spoke with XXXX XXXX a representative there. She advised me I was over 74 days past due and needed to pay XXXX to be under that threshold in order to stop the repossession. I advised her I would make a XXXX payment in my portal and try to pay the remaining balance the next day. She said it would stop the charge off on the account but could not guarantee it would stop the repossession. Around XXXX my roommate was woken up by a tow truck and saw our other roommates truck was pulled to the street almost all the way out of the driveway. My car was parked in front of his truck as we share the driveway and he works late. My roommates yelled and chased the driver off and caught it on video. The tow truck driver also removed his tag to conceal his identity. My roommates truck is an older vehicle with a loose transmission and battery. This is a clear violation of my roommates rights as his vehicle does not belong to Ally XXXX. After last nights incident I attempted several times to call the representative I spoke with to advise I paid the remaining XXXX this morning at approximately XXXX and again at XXXX then throughout the morning. I could not get her or anyone on the phone to help .. 2x I was just placed on hold and forgotten. After failing to reach them by phone I went to the app an got a chat agent. I advised of the payments I made and that I wanted to be immediately removed from the repossession list. I also asked for the name of the company that tried to repossess my vehicle as I wanted to file a complaint... She stated she did not know and I had to contact another team for this information. Finance companies should not be allowed to hire these companies that break the law and possibly damage property just so the can make their money. I want them both to answer to their wrong doing and ensure this never happens to anyone. I'm not sure if my roommates truck was damaged but it is his ride to work and if damaged may cost him repairs and loss of wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Tx XXXX Collection agency name : FAIR COLLECTIONS & OUT Account number : XXXX Dear - FAIR COLLECTIONS & OUT I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Best, 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