vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding is attempting to collect {$700.00} originally from XXXX XXXX XXXX that is the result of identity theft. This account was opened without my knowledge or authorization. I have filed an official FTC Identity Theft Report. This company is reporting this fraudulent account to all three major credit bureaus causing severe damage to my credit. I did not open authorize or benefit from this account in any way. This debt is not valid and stems entirely from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
XXXX financial is not the original creditor XXXX XXXX. XXXX is part of the Fair Debt Collection Practices Act ( FDCPA ), which regulates the actions of debt collectors in the United States. This section specifically addresses the communication practices of debt collectors with consumers. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collectar must cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I submitted a Dispute XX/XX/year> @ XXXX XXXX and submitted the following request. To Whom It May Concern : I am formally disputing the validity, accuracy, and enforceability of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I do not acknowledge responsibility for this alleged debt. I request full validation and verification of the account, including but not limited to : The original signed contract or agreement bearing my signature. The complete payment history and itemized accounting of the alleged balance. The name and address of the original creditor. Documentation proving your legal authority to collect this debt. Proof that the debt was lawfully assigned or transferred to your company. Copies of any judgments, agreements, or supporting documents related to this account. Under federal law, you are required to cease collection activity until proper validation has been provided. Additionally, I dispute any reporting of this account to any consumer reporting agencies. If this account has been reported to any credit bureau, I demand that the account be marked as DISPUTED immediately pursuant to the FCRA. Fraud Statement I further state that I believe this account may be the result of fraud, identity theft, unauthorized use, inaccurate reporting, or clerical error. I did not authorize any fraudulent activity associated with this account. If your office continues collection activity without providing competent evidence validating this debt, such conduct may constitute violations of federal consumer protection laws, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) Identity Theft and Assumption Deterrence Act You are hereby notified that I request : Immediate investigation of this matter. Immediate cessation of collection calls and harassment. Verification of all information being reported. Removal of inaccurate or unverifiable information from my consumer reports. If you can not fully validate this alleged debt, I demand immediate deletion of the account from all credit reporting agencies and cessation of all collection efforts. Please provide all requested documentation in writing within the timeframe required under federal law. This letter is not a refusal to pay. It is a formal notice that the debt is disputed and validation is requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Revco Management, LLC
State: NJ

Complaint narrative:
The dermatology office did not have the correct insurance information on file for me. I explained they had old information and that my coverage changed and was updated. They filed the claim on the old coverage which was not correct. I explained and they supposedly corrected, yet that was not the case. They filed under the old coverage and was denied. It is now too late to appeal with the insurance carrier ( XXXX ). To note, they were paid for the services rendered. It was the non-covered charges, again from the fact they did not file it correctly, that was denied. The credit agency now is trying to collect the debt which I will not pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 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:
On XX/XX/XXXX, I come in contact with the seller on XXXX for a product for XXXX XXXX He tells me he only accepts payments through XXXX and can not receive money through XXXX. XX/XX/XXXX, I send him XXXXXXXX XXXX for the item to be shipped to me through XXXX and the purchase was made by my Cash App account and using the XXXX accounts send by the seller that he had sent to me. Days go by of him saying he couldnt ship it, no response from the post office and more delays until XX/XX/XXXX where the seller had provided me with a tracking number, which was not to my address and to another state, never receiving my items. While the shipment is moving, the seller repost the item on XXXX, which I thought was a mistake, so I alerted him on the fact it was reposted, in which he replies that he was not aware of the fact and took it down later that day, only for me to find that he had reposted the listing the next day despite me already purchasing the item. Since I was concerned, on XX/XX/XXXX I made a new XXXX account to message the seller, to test if was a genuine mistake, I asked him that I was interested in buying the item. I had no response until XX/XX/XXXX where he ask me to go off XXXX on to XXXX to talk about buying this, despite the fact I had already paid for these items on another account, he was taking multiple buyers on the used item. On XX/XX/XXXX the package of the tracking number that I had received for the item I had purchased didnt arrive and was delivered to a completely different address than the one I had sent in our messages, I asked him for the address on the receipt that the post office gave him, which he responds that he never received a receipt from the post office, which conflicts when he says on XX/XX/XXXX, where he originally stated that he had gotten the tracking number from the receipt they sent him. I have not received my package and the seller has not answered my questions on the incident. I contacted Cash App for a chargeback on XX/XX/XXXX, attempting to dispute the purchase due to the fact I never received the item and the buyer was taking multiple offers and going to XXXX to receive money. I start the dispute process the same day and was later denied XX/XX/XXXX without a reason provided. I attempted to appeal this decision on XX/XX/XXXX with evidence of all the claims listed. XX/XX/XXXX, Cash App sends me an email that my dispute had been finalized and denied, despite the proof I have sent them and after getting on the phone with them the same morning, they says theres nothing I can do and I have asked for the reason it had been denied, which I have received none and it had been denied the same day of appealing the decision, which leaves me unsatisfied with the result of this decision despite the evidence and lack of communication with Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MCM has been contacting my employer and my XXXX office multiple times a week for the last two months. Its extremely inappropriate to be contacting these places on behalf of a debt. I feel violated. My medical information isnt even safe anymore and my job is being jeopardized because they keep tying up the patient line with this. Its been reported multiple times by different staff members

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I financed a mattress through Synchrony Bank under a 24-month promotional financing offer. Throughout the promotional period, I made regular payments and paid most of the balance. By the end of the promotion, only approximately {$1600.00} remained unpaid. After the promotional period ended, Synchrony Bank charged more than {$2000.00} in deferred interest. As soon as I became aware of these charges, I contacted the company and offered to pay the remaining balance in full immediately. I requested that the deferred interest be reduced or waived as a goodwill adjustment because I had already paid the vast majority of the original balance. Synchrony Bank denied my request and did not offer any reasonable assistance. I believe the amount of deferred interest charged is excessive considering the small balance that remained at the end of the promotional period and my good-faith effort to resolve the account immediately. I am requesting a review of my account and consideration for a reduction or waiver of the deferred interest charges. I also request that Synchrony Bank provide a fair resolution based on my payment history and my willingness to pay the remaining balance in full.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase Bank decides to randomly block my account during important purchases at an unfair rate and at ungodly times leaving me with no money and no one to talk to access my funds. This happens at least once a week and is absolutely ridiculous. I believe this is prejudice and I am looking to request information for further investigation. Not only does my money get frozen for no reason whatsoever, but when I call some XXXX person makes an error cause that their system is down and that they can not help although the fraud agents do have the ability to approve transfers and transactions. Instead, they will argue with you and act like REAL FRAUDSTERS. I believe Chase engages in fraudulent activity. As a former verifications representative in loan financing and retirement accounts, I know that the activity Chase Bank is doing behind the scenes to flag my account is completely fraudulent and prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
XXXX is charging me recurring annual/maintenance fees on a closed account with no active credit line. These fees are driving me into debt on a service I can not use. I am a low-income consumer trying to pay my principal balance, and these predatory fees are preventing me from doing so. I want the recent fees removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year> To : MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist Communication To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby request that you cease and desist all communication with me concerning this alleged debt. You may only contact me as permitted by law to : 1. Confirm that you will cease further communications ; or 2. Notify me of specific legal action that you intend to take. Except as allowed by applicable law, I request that you stop all telephone calls, text messages, emails, letters, and any other form of communication regarding this matter. This letter is not an acknowledgment of liability for the alleged debt, nor is it a promise to pay. I reserve all rights and defenses available to me under federal and state law. Please update your records accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/scrub> 2026, I activated a business credit card I had applied for through TD Bank for my XXXX, XXXX XXXX. Despite my EIN being clearly listed on the application, TD provisioned the credit card under my personal SSN/profile instead of my business EIN/profile. The card is functional, but I have no visibility into the credit card account in TD 's online banking or mobile app no balance, no statements, no transactions, no due date, no autopay setup. Over the past XXXX days I have attempted to resolve this through TD 's call center ( XXXX ) XXXX separate times : XXXX. XX/XX/XXXX call : was promised a supervisor transfer, was instead routed to a voicemail with no callback option. XXXX. XX/XX/XXXX call : was placed on hold for over XXXX XX/XX/XXXX with no resolution. XXXX.XX/XX/XXXXcall ( today, XXXX ) : finally reached a Floor Supervisor named XXXX, who confirmed the root cause ( wrong profile type ) and informed me the fix requires a XXXXXX/XX/XXXXprofile transfer handled by the XX/XX/XXXX team. He was unable to send any written confirmation, email, or paper trail at his level. Reference : Case XX/XX/XXXXXXXX. I have recurring business charges scheduled to hit this card starting XX/XX/XXXX. I can not responsibly use a credit card I can not see in any banking interface. The combined cost in lost time and operational risk is significant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Friday XXXX XX/XX/year>. I made payment of XXXX $ in ATM. ATM stuck and i end up calling. They told me it would be 2 billing cycle to resolve this. When i went inside bank location they told me they can immidiately provude you with credit on your account. And bank manager confirmed they end up finding money that stuck inside the atm at location. I called them several time. They XXXX email with info would be recieved on bank of america dispute center no info available or status of claim shown under my account. Not a single latter from bank of america recieved. Just giving me run around. Its been more than 7 business days. They told me it could take 3 business days.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
BOA offered promotion for XXXX $ bonus for new business checking accounts. I called my local branch and got the code XXXX and entered it, it took. Terms were XXXX $ balance must be funded/maintained by days 30-90. This period has ended last month and I never go the bonus owed. I was given a case from BOA review XXXX and told the money did not qualify as new money since it was first deposited into BOA personal checking account immediately before moved to business checking account. Responding to case response and asking for further consideration. 1. The promotion code XXXX was given to me verbally by local bank representative over the phone as I called asking for any available promotions. The full terms were not described to me to distinguish " new money '', I only understood the deposit $ amount and timelines of the promotion into a new business checking account. If you can find the phone conversation between me and the small business banker and wells fargo XXXX, TX to show me that she specifically defined what new money is. Did I sign any document containing of the terms of the promotion? 2. Additionally, I couldn't not link my small business account with an external account to fund it, despite my efforts it gave me several errors. instead, I had to move the " new money '' into my personal BOA checking account first then move it to my business account. The money was deposited into my personal account for just 24 hours before moving it business account. For intents and purposes, this should be considered new money as it did not exist in the BOA system at all 24-48 hours before being moved to my business account. Im asking that you please review the above and make an one-time-exception to grant me the owed promotion payment, as a courtesy and loyal customer to BOA. 3. If the above can not be met, I will proceed to submit a small claims case in XXXX XXXX, this is not my preferred approach but I feel confident in my assertions that the money should be paid out.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am writing to file a formal complaint and request a full investigation into Chimes dispute resolution practices, as well as their handling of transactions involving XXXX, XXXX, and a recent hotel merchant. Recently, I submitted several disputes to Chime regarding unauthorized and inaccurate charges on my account. Rather than conducting a thorough and legally required investigation, Chime denied all of my claims almost instantlywithin two to three days. I believe Chime is failing to properly advocate for its customers and is systematically rubber-stamping denials without reviewing the evidence. The specific issues I am disputing include : Missing Hotel Deposits : I was charged deposit fees by a hotel that have not been returned to my account. I contacted the hotel directly, and they confirmed that the deposits were released on their end a long time ago. Chime claims these funds were returned, but my account statements show no corresponding credit ( positive ) entries. The funds are missing. Unrecognized Charges : There are charges on my account that I absolutely do not recognize and did not authorize, including a charge for approximately {$98.00} from a merchant listed similarly to " XXXX XXXX '' Unauthorized XXXX and XXXX Charges : I was overcharged by both XXXX and XXXX, which included unauthorized cancellation fees. I communicated with these merchants, and they agreed not to process these cancellation fees, yet the charges still posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Belk store card XXXX XXXX. XXXX is part of the Fair Debt Collection Practices Act ( FDCPA ), which regulates the actions of debt collectors in the United States. This section specifically addresses the communication practices of debt collectors with consumers.

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 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: GA

Complaint narrative:
My company XXXX XXXX does consultant work where we build trading apps and help small companies develop A.I software that they can use to integrate with their company. On XX/XX/XXXX we completed a custom software trading bot for a client that trades XXXX silver and the XXXX and XX/XX/XXXXXXXX at a total cost of {$39000.00}. After the client paid I received an email from Square saying my account was being closed. Even after my identity was verified and the customer was also verified and also the payment was verified square still said they will hold my money until XX/XX/XXXX 2026. Since all this has happened I have sold my app and have not been compensated because Square is holding my funds in my account. I spent my own money with developers and I can not sustain to wait until XX/XX/XXXX for Square to release my funds.

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: Google Compare Credit Cards Inc.
State: OR

Complaint narrative:
I have people getting into my XXXX XXXX lab records and sending me phony paperwork and changing the data on the private health sites from XXXX and XXXX XXXX. Plus, a phone call came in, on screen it said, I am cloning XXXX percent of your phones system ( I now know that is the. Software that was altered. It's XXXX years expired ). And have downloaded pornographic tapes in my first and last name or some combo, same with dozens of my family members who do not know. There are XXXX plus fraud, fake paper on web. And imposters pretending to be me and my parents, And family, dead and alive ones. Videos too. Asking for large sums of money on emails and crowd funding auctions, and people in my contact list. Need to check all active email accts across every site. XXXX sent me back a text from them after I tried having a trailer, XXXX bought, message threatened to kill my cousin and said they were near her home. XXXX, XXXXXXXX XXXX XXXX all have come on them Phone now says XXXX virus, threats on it

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