vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
Dear Cash App Support, I am writing to formally report an organized social engineering fraud, XXXX XXXX, and account takeover incident that targeted my linked payment systems between XX/XX/XXXX and XX/XX/year>. A formal criminal investigation has been officially initiated regarding this theft by the XXXX XXXX NC Sheriffs Office under Case Number : XXXX, managed by Deputy XXXX XXXX. Below are the explicit step-by-step details of how your platform was manipulated by the suspect, who was operating under the alias " XXXX XXXX '' and impersonating XXXX XXXX : Step 1. The suspect used a hijacked corporate interface to target me, using high-pressure tactics and threatening immediate driver deactivation to coerce me into transmitting photos of my driver 's license and a verification selfie to his routing line : ( XXXX ) XXXX. Step 2. While keeping me trapped on the phone for hours, the suspect gained unauthorized access to my payment data. He manipulated my Cash App application interface, generating a fake visual string on my screen reading " + {$710.00} '' or " + {$720.00}, '' claiming it was an official " XXXX Driver Bonus '' deposit. Step 3. Under the guise of finalizing this " bonus deposit, '' the suspect secretly executed three real, unauthorized ACH pull transfers of - {$720.00} each directly out of my linked XXXX XXXX XXXX XXXX ( XXXX ) checking account ( documented in my bank ledger screenshots, Files : XXXX and XXXX ). Step 4. The suspect immediately used Cash Apps " Instant Deposit '' feature to sweep my stolen funds entirely out of the ecosystem, routing them onto an unauthorized external debit card issued by XXXX Bank, XXXX. ( with interactions regarding XXXX Bank logged on my device history at XXXX XXXX, File : XXXX ). Step 5. I explicitly confirm that I did not authorize, receive, or benefit from any of these three - {$720.00} transfers, nor did I authorize the linking of the XXXX Bank, XXXX. debit card to my profile. Please forward this urgent dispute directly to your specialized XXXX and XXXX XXXX XXXX XXXX. Deputy XXXX and the XXXX XXXX Sheriff 's Office require Cash App to immediately freeze the recipient profile and preserve the following data for an upcoming law enforcement subpoena : The legal name, verified identity documents, phone number, and IP address logs of the Cash App user profile that received the exfiltrated funds. The full card number, bank routing data, and account ownership records for the destination card issued by XXXX Bank, XXXX. used to execute the instant deposit sweeps. Full transactional metadata, device tokens, and geolocation logs for the three unauthorized - {$720.00} transfers executed during this XXXX XXXX window. Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
I recently viewed my credit reports and noticed a few inaccurate and unverifiable accounts. These accounts being reported are triggering fcra violations, stress, and extensive efforts to resolve this. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts in my attached letter are not accurate, and I demand their immediate removal. I recently requested debt validation from you all and I got a response from someone at your company but it did not include validation of debt, original contracts, or anything supporting validation. It seems this may be a simple mistake on your end and Im sure you can get this cleared up pretty quickly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I initially opened a dispute with SoFi on XX/XX/year>. My debit card was charged {$50.00} on XX/XX/year>. It was a voluntary payment for an event RSVP ( which was supposed to take place XX/XX/year> ) with the promise that further details would be emailed to me, but the organizers never did. When I followed up directly with the organizers, they admitted fault and promised a refund, which I never received. Then, I began the dispute process with SoFi. It has since been 52 days since I opened this dispute initially and I have received no follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing this complaint because my prior CFPB complaint was closed, but Barclays response did not address the actual issue I am disputing. I am not claiming duplicate merchant purchases or fraud. My dispute is about Barclays payment/reversal/reimbursement accounting related to two {$1000.00} payments, a later {$1000.00} reversal/reimbursement, a later {$1200.00} payment, and the resulting balance, late fees, interest, charge-off, collection placement, and credit reporting. The XX/XX/XXXX Barclays statement balance was {$1000.00}. Barclays own statement shows two payments of {$1000.00} posted in late XX/XX/XXXX, totaling {$2100.00}. My XXXX XXXX XXXX records show corresponding Barclaycard withdrawals of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. Barclays later posted a {$1000.00} payment reversal on XX/XX/XXXX. My XXXX XXXX XXXX records also show a {$1000.00} credit/deposit on XX/XX/XXXX. I also made another Barclaycard payment of {$1200.00} on XX/XX/XXXX. My concern is that the {$1000.00} reversal functioned as if I still owed that amount, and Barclays continued carrying the {$1000.00} as unpaid. The later charge-off balance was {$1400.00}, which appears to be the original {$1000.00} plus approximately {$350.00} in interest, fees, and charges that accrued because Barclays system continued to treat the {$1000.00} as owed. Barclays prior response focused on whether purchases were valid and whether merchant purchases were duplicated. That is not the dispute. I am asking Barclays to reconcile the payment history and explain exactly how the account balance was calculated after the two {$1000.00} payments, the {$1000.00} reversal/reimbursement, and the {$1200.00} payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
15usc1681 ( a ) ( a ) ( 2 ) : You are reporting information that is said to be excluded from my consumer report that involves information as to transactions or experiences between myself and a creditor. Delete late payments

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am writing to formally lodge a complaint against Pentagon Federal Credit Union ( XXXX ) regarding the improper handling of my account and funds. The timeline of events is as follows : Approximately two months ago, I deposited a check in the amount of approximately {$17000.00} into my XXXX checking account for landscaping work I completed. Shortly after this deposit, my online access to the account was blocked. When I inquired about the issue, I was informed that my account would remain locked until the check cleared, which would take an extended hold period until XX/XX/XXXX, due to security concerns. I accepted this extended hold, but upon contacting XXXX on XX/XX/XXXX to unlock my account, I was informed that XXXX decided to terminate our banking relationship and that my accounts were being closed. I was assured that a check for the funds in my account would be mailed to me. After waiting for the check and not receiving it, I called XXXX again and learned that the check had been cashed. When I inquired about how this was possible, XXXX representatives stated that the check had been cashed at XXXX XXXX XXXX XXXX XXXX. I was shocked to discover that the check, which was supposed to be mailed to me, had instead been sent to this credit union without my consent and had both my name and XXXX XXXX 's name printed on it. This situation raises serious legal and ethical concerns. According to the Uniform Commercial Code ( UCC ) and various state laws regarding checks, a financial institution must ensure that checks are properly endorsed and that funds are released only to the rightful owner. By issuing a check with my name and another institution 's name and sending it to an address without my permission, XXXX has acted improperly. Additionally, the actions of XXXX have violated my consumer rights under the Truth in Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). I have been left without access to my funds, and I am being directed to retrieve my money from a credit union with which I have no relationship, which is not my responsibility. I request that the CFPB investigate this matter thoroughly. I demand that XXXX issue me a check for the full amount of my account at the time of closing immediately, as I have made every effort to resolve this issue directly with them without success. Thank you for your attention to this matter. I look forward to your prompt response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>, I booked a round-trip international flight for two passengers from XXXX ( XXXX ) to XXXX ( XXXX ) through the Capital One XXXX portal ( Confirmation Code : XXXX, Airline Reference : XXXX ) for a total of {$2500.00}. During the checkout process, the portal offered a baseline " Economy Classic '' tier for {$1100.00} per passenger. I selected the upgraded " Economy Flex '' tier, which itemized to an exact final cost of {$1200.00} per passenger on our official electronic ticket receipts. Capital One XXXX explicitly advertised that this more expensive tier included premium physical upgrades, specifically " more legroom '' and " priority boarding ''. Relying entirely on these promised features, I upgraded the outbound flight, paying an exact premium of {$110.00} more per passenger, totaling an upcharge of {$220.00}. Upon verifying the booking directly with the operating carrier XXXX XXXX XXXX ), I discovered that none of these advertised physical benefits exist on this flight. The airline confirmed the ticket is registered strictly as a standard baseline economy fare with no extra legroom, no priority boarding, and no advance seat selection. Furthermore, because Capital One bundled this outbound flight with a standard return tier, standard airline logic overrode the flexibility, making the ticket completely non-refundable on my official receipt. I contacted Capital One XXXX support to resolve this billing error and deceptive marketing issue. The representatives explicitly acknowledged the portal glitch and confirmed that I was charged a premium for product features that do not exist on this flight. However, they refused to issue a full refund of the unearned premium. They provided a minor {$100.00} generic travel credit as a customer service gesture on a previous call but have now closed the case, refusing to refund the remaining {$120.00} balance of the deceptive overcharge. Capital One overcharged me for a phantom product and is refusing to make me whole after admitting their platform 's error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
I woke up one day and my account was closed. I immediately asked why my account was closed. They told me that they couldnt tell me why because of their policy? This happened XX/XX/year> and since then they havent contacted me back about it yet,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am disputing the reporting of Comenity Bank account number XXXXXXXX XXXX XXXX XXXX XXXX I previously disputed the accuracy of this account and requested that Comenity Bank investigate the information being furnished to the consumer reporting agencies. Despite my disputes, the account continues to be reported on my credit reports. To date, Comenity Bank has not provided sufficient documentation demonstrating that the information being reported is accurate, complete, and supported by competent business records. I have requested clarification regarding the account and the basis for the information being furnished, but I have not received records sufficient to verify the reporting. Because the account continues to be reported after my disputes, I am concerned that Comenity Bank may have failed to conduct a reasonable investigation and may be continuing to furnish information that has not been properly verified. I am seeking documentation that supports the reporting and explains the basis for Comenity Bank 's determination that the information being reported is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I disputed a Discover account that is being reported on my XXXX credit report. After my dispute, TransUnion stated the account was verified as accurate, but XXXX investigation results also show that information on the account was updated after the dispute. XXXX XXXX result stated that Date Updated, Maximum Delinquency, Rating, and Historical Trended Data were updated after the investigation. A later TransUnion result again stated the account was verified as accurate, but updated, and that other information changed, including Date Updated. The account continues to be reported with a balance of about {$4900.00}, past due of about {$4900.00}, original charge-off amount of about {$4600.00}, charged-off status, last payment date of XX/XX/XXXX, and date closed of XX/XX/XXXX. I also contacted Discover directly. In a letter dated XX/XX/XXXX, Discover stated that the account was opened in XX/XX/XXXX using identifying information provided at that time and that the credit card was used as shown by charges on statements sent separately. Discover then stated that the account and balance were considered valid. However, Discover did not provide sufficient documentation to fully verify the reported balance, payment history, delinquency history, charge-off reporting, date of first delinquency, or whether all disputed account activity was properly authorized. My concern is that the account was reported as verified even though XXXX own results show post-dispute changes to the tradeline, and Discover did not provide complete documentary support for all disputed information. I requested reinvestigation and supporting documentation, including verification of the balance, past due amount, charge-off status, payment history, delinquency history, last payment date, and date of first delinquency. I am requesting a proper reinvestigation and correction or deletion of the tradeline if it can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I am disputing an account being reported by PORTFOLIO RECOVERY because I do not recognize this account and have no knowledge of ever opening, authorizing, or using it. I have requested that PORTFOLIO RECOVERY provide documentation establishing that I am the individual responsible for this account, including the original application, signed agreement, account-opening records, and any other documentation demonstrating my authorization. To date, I have not received sufficient evidence establishing that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), information furnished to consumer reporting agencies must be accurate and verifiable. If PORTFOLIO RECOVERY can not provide documentation demonstrating that I opened or authorized this account, I request that the account be removed from my credit reports and that any collection or reporting activity related to this account cease. I am requesting that PORTFOLIO RECOVERY conduct a reasonable investigation, provide all supporting documentation associated with this account, and correct or delete any inaccurate information being reported to the consumer reporting agencies. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I dispute Capital Ones conclusion that the account ending in XXXX was opened by me. In its response, Capital One states that it believes the account belongs to me because : The contact information used to open the account is allegedly linked to me through public records. A welcome kit was mailed to an address allegedly linked to me through public records. Payments were received from a bank account. My Social Security number and date of birth were used on the application. None of these points establish that I personally opened or authorized this account. If this account was opened through identity theft, it is entirely possible that an unauthorized person used my personal identifying information, including my Social Security number, date of birth, address, email address, or phone number. Capital Ones response is deficient because it repeatedly references public records without identifying : What specific public records were relied upon ; The source of those records ; The name of the individual associated with those records ; How those records prove that I personally submitted the application. I formally request that Capital One provide : A complete copy of the original application used to open the account ; The IP address, device information, and geolocation data associated with the online application; Copies of any identity verification records used during account opening ; Copies of any signed agreements or electronic consent records ; Documentation showing the ownership of the email address, phone number, and mailing address used during the application process ; Documentation showing how Capital One determined that the referenced public records belong to me and establish that I personally opened the account. Additionally, Capital One states that payments were made from a bank account. I request documentation proving that I owned or controlled the account from which those payments originated, including the basis for Capital Ones determination that the bank account belonged to me. Merely showing that my personal information was used does not establish that I authorized the account. The Fair Credit Reporting Act requires a reasonable investigation of identity theft claims. Capital One has not provided sufficient evidence demonstrating that I opened or authorized this account. I continue to dispute ownership of this account and request that Capital One conduct a thorough reinvestigation and provide the supporting documentation requested above.

Company response to consumer: Closed with explanation