vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
Monday the XX/XX/year> I had received a call from who I thought was XXXX ( my bank ) telling me of potential transaction from XXXX IL. Someone had attempted to transfer money from my account to theirs. The person from who said they were from XXXX proceeded to tell me that they will need to close down my account and transfer my future funds to my " new account '' today. They said they didn't not want to do it Monday until my future transaction was deposited today incase it would mess up and i wouldn't be able to access that account again. So I was to receive a call at XXXX from " XXXX XXXX this morning to start this process. I received the call this morning and was told I would need to transfer all that was into my account to a cash app so it could be transferred to my " new account '' Total of {$1600.00}. I was under the impression I was on a call from a representative from XXXX and the fraud I have been experiencing would come to a stop now that my account would be fixed. Once the transaction was done I was to wait on the line until a Discloser about the fraud and what had taken place would be emailed over for my files. Once the call ended and my money was transferred and the cash apps were closed and deleted that was it. My Money that I was just paid it was gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: CA

Complaint narrative:
I had accident and my car was towed my phone cards everything was in the car the towed company wasnt retrieving my stuff. I had problem report. I got my stuff back after a month and I was missing descver card when I check my account it was used in multiple places. I despite it. The company is saying I was responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I made a promotional purchase in XXXX  using a credit card with a XXXX deferred interest offer. At the time of purchase, I was not clearly informed that interest would be deferred and added retroactively if the balance was not paid in full by the end of the promotional period. 
I made payments in good faith and would have paid the balance in full before the promotion expired had this been clearly disclosed at the time of purchase. Reminder statements sent shortly before expiration do not constitute clear point-of-sale disclosure. 
I contacted customer service multiple times requesting a one-time courtesy adjustment of the deferred interest ( approximately {$700.00} now ) but was told this could not be done and that escalation was unavailable through chat. 
I am requesting removal or credit of the deferred interest based on inadequate disclosure at the time of purchase.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This letter serves as a formal cease and desist letter and demand for debt validation pursuant to my rights under the fair debt collection practices act ( 15 usc 1692g ).

You are hear by ordered to CEASE AND DESIST all forms of communication with me, my family, and my place of employment regarding this account without proper and complete validation of ownership and legal assignment of this debt. 

You are currently in violation of federal law by contacting and continuing to report this account to credit bureaus with sustaining your right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am unable to connect PayPal to my primary checking account. My other checking account and savings account are connected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 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: KY

Complaint narrative:
I was lied to by one of their reps. She told me if I paid a past due instant loan payment they would reinstate my MY PAY. I MADE 2 PAYMENTS AND NOW THEIR TELLING ME IT WILL BE XXXX. THATS FRAUDULENT ACTIONS. I called them last month and told them I was homeless and had to rent a place and they said pay it as soon as possible. I was 3 weeks late and I even paid XXXX and it's not due yet. They lied and their lies has hindered my way of life for a whole month. This is ridiculous. They lie to everyone and their calls are recorded so not a problem proving they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited a {$10000.00} cashiers check into my Bank of America checking account at XXXXXXXX XXXX XXXXXXXX branch in XXXX XXXX, CA. 

After the deposit was completed, Bank of America placed an extended hold on the entire amount. No advance notice was provided, and no funds were made available, including the standard next-day availability amount. 

I was later notified that the funds would be held for approximately 5 business days, but Bank of America has refused to provide the specific reason for the extended hold or identify which Regulation CC exception is being applied. I have repeatedly requested the written exception-hold notice required under the Expedited Funds Availability Act / Regulation CC, including the specific reason for the hold and the exact funds-availability date, and the bank has declined to provide this information. 

This appears to be a failure to provide the required Regulation CC exception notice for an extended hold on a cashiers check. I am requesting that Bank of America either ( 1 ) provide the required written notice identifying the specific Reg CC exception and availability date, or ( 2 ) release the funds in accordance with Regulation CC.

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 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial
State: WY

Complaint narrative:
This complaint is a continuation of CFPB Complaint # XXXX. 
Since filing the original complaint, I have continued to receive calls from different phone numbers using the same location information script. A voicemail on XX/XX/year> was received from ( XXXX ) XXXX directing me to call back XXXX, which matches the callback number identified in my original complaint. This demonstrates continued harassment and number rotation after notice and request to cease contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MD

Complaint narrative:
In XX/XX/XXXX, I discovered a collection account reported by IQ Data International on my credit reports. I do not recognize the debt and was not provided information identifying the original creditor or the basis for the charge. 

On or about XX/XX/XXXX, my spouse and I each mailed written debt-validation requests to IQ Data International. My spouses letter was delivered, and mine was returned/refused by XXXX. IQ Data did not respond to either request and has never provided any documentation. 

On XX/XX/XXXX, I disputed the collection with XXXX  and XXXX  and submitted copies of my validation letter and mailing documentation. XXXX  responded that the account was verified as accurate but did not provide any documentation showing what the debt is for or who the original creditor is. 

I then sent a follow-up letter to XXXX  requesting the method of verification on XX/XX/XXXX. XXXX  replied by email on XX/XX/XXXX that nothing had changed and that the collector information was correct, again without explaining the nature or source of the alleged debt. 

To date, I still have not received any validation from IQ Data International identifying the original creditor, the basis of the charge, or proof that I owe this debt, yet the collection continues to be reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CO

Complaint narrative:
I obtained a solar installation loan serviced by GoodLeap, LLC in connection with the installation of a solar system at my residence. At the time the loan was executed, I was an active-duty service member and therefore a covered borrower under the Military Lending Act ( 10 U.S.C. 987 ).

The loan documents disclose only a standard APR and state that the rate may not exceed 36 %, but they do not disclose the actual Military Annual Percentage Rate ( MAPR ). The contract also indicates that the contractor may have paid fees connected to the loan, which should be included in the MAPR calculation. No MAPR disclosure was provided, and I was not given the required oral disclosures at or before consummation of the loan. I believe these omissions violate the Military Lending Act and its implementing regulations ( 32 C.F.R. Part 232 ), rendering the loan unenforceable.

The loan proceeds were paid directly to XXXX XXXX XXXX, the installation contractor. The solar system has not functioned correctly since installation. While XXXX XXXX XXXX was still in business, they failed to repair or correct the system despite being notified. XXXX XXXX XXXX has since gone out of business, leaving the system defective and unsupported. 

GoodLeap has not repaired, replaced, or otherwise remedied the non-functioning system. The loan agreement contains the FTC Holder Rule notice ( 16 C.F.R. 433 ), which allows claims and defenses against the seller to be asserted against the lender. As a result, XXXX XXXX XXXX failure of performance and insolvency are assertable against GoodLeap.

I have contacted GoodLeap in writing and requested resolution, including loan termination, refund of payments, and removal of the solar equipment. To date, the matter has not been resolved. 

I am requesting CFPB assistance in addressing these issues, including review of the Military Lending Act violations and enforcement of consumer protections related to seller non-performance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: OKX INC.
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint against OKX ( OKX Exchange ) regarding its failure to release funds that were fraudulently taken from me and are still being held in accounts under OKXs control. 
I was the victim of an online cryptocurrency scam that resulted in a total financial loss of {$58000.00} USD in XX/XX/XXXX. I provided OKX with comprehensive documentation and proof demonstrating that these funds were fraudulently obtained and transferred to accounts hosted on their platform. This documentation includes transaction records, wallet addresses, timelines, and supporting evidence that directly links the funds to the scam activity.

After reviewing the evidence, OKX acknowledged the fraudulent activity and released XXXX XXXX to me in XX/XX/XXXX as a partial recovery. However, OKX has since refused to release the remaining balance, despite the fact that : The remaining funds are still present in the scammers OKX account The funds are directly traceable to my original transactions Ownership of the funds has been clearly established through blockchain evidence and documentation already provided to OKX OKX has not provided a valid legal or operational justification for withholding the remaining funds. Their refusal appears inconsistent with their own acknowledgment of the fraud and partial reimbursement. As a custodial platform, OKX maintains control over the accounts holding these funds and can prevent further misuse or dissipation.

This ongoing refusal has caused me continued financial harm and XXXX. I believe OKXs actions may constitute : Failure to properly remediate a confirmed fraud incident Unreasonable withholding of customer funds Lack of transparency and fair resolution practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This account is the result of identity theft. I did not open or authorize this account. I am requesting an immediate block pursuant to FCRA 605B. An FTC Identity Theft Report and supporting documentation are attached. This account was previously reinserted without proper notice or certification.

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 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IA

Complaint narrative:
I was a victim of identity theft my information was linked and someone purchased a phone in my name online with XXXX XXXX I have been telling them this for 10 years now and they still continue to put it on my credit and I have notified them multiple times that this does not belong to me and it is a fraudulent order I would like for this to be removed off of my credit because it has been more than seven years and it has should be off they keep reselling my debt and contacting me through email and text message

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
The debt collector has contacted me regarding an alleged debt. I exercised my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), and requested that the company cease and desist all communication with me.

Despite this request, the company has continued attempts to communicate regarding the alleged debt. I am submitting this complaint to document my cease and desist request and to ensure the company complies with federal law. 

I am requesting confirmation that all communication has ceased as required under the FDCPA. Any further contact beyond the limited exceptions permitted by law would constitute a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I opened a Bank of America credit card in early XXXX to cover expenses related to my wifes and my wedding ( XX/XX/XXXX ). The card was used for a short period and then permanently discontinued. I physically destroyed the card and have not used the account since that time. There were no transactions on this account for approximately 3.5 years. 

On XX/XX/XXXX, I received an alert that my credit score had dropped by XXXX points. Upon investigation, I discovered the account had been charged for an XXXX XXXX membership ( approximately {$130.00} plus accrued interest, totaling about {$240.00} ) and had become two months past due. 

I immediately contacted Bank of America to report this activity as fraudulent, as I did not authorize these charges and have not used this account in years. I have no knowledge of how this card information was obtained or used. 

Bank of America instructed me to contact all three credit bureaus to formally report the fraudulent activity. 

This situation is especially time-sensitive because I am currently in the process of obtaining mortgage approval, and this unexpected credit score decrease has a material impact on my financing. 


I am required to list a company when submitting this complaint ; however, I want to be clear that Bank of America has been very cooperative and helpful throughout this process. I do not have a complaint regarding Bank of Americas handling of this matter. My complaint is solely regarding the unauthorized party who used my card information without my knowledge or consent.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with fraud alerts or security freezes — 
Company: Global Lending Services LLC
State: MO

Complaint narrative:
CFPB Complaint Narrative Global Lending Services Global Lending Services ( XXXX  ) engaged in negligent and unsafe creditgranting practices that placed both myself and my cosigner at significant risk of identity theft and financial harm. 

Both of us have active XXXX alerts on our credit files due to prior fraud. We legitimately applied for an auto loan and authorized the dealership to submit our credit application. Despite the presence of these fraud alertswhich require a lender to verify identity before extending creditXXXX approved and funded the loan to the dealership without performing any fraud verification whatsoever. 

Only two days after we had already taken possession of the vehicle did XXXX contact us to perform a fraud check to confirm whether we had actually initiated the credit request. This sequence of events is reckless and contrary to the purpose of fraud alerts under the Fair Credit Reporting Act ( FCRA ). If we had not been the individuals who applied, XXXX would have already extended credit to a fraudster, issued a loan in our names, and created a major financial and legal crisis for both consumers involved. 

XXXX failure to follow required identityverification procedures demonstrates negligence, inadequate internal controls, and a disregard for consumer protection obligations. Fraud alerts exist to prevent exactly this type of scenario, and XXXX  afterthefact verification defeats their entire purpose. 

Requested Resolution Compensation for both myself and my cosigner for the unnecessary risk, stress, and exposure caused by XXXX negligent handling of our credit application. A reasonable and appropriate amount is {$1000.00} per consumer. 

Written acknowledgment that XXXX failed to follow proper fraudalert procedures. 

Implementation and confirmation of corrective measures, including : Verification of identity before extending credit when a fraud alert is present Updated internal procedures and staff training Assurance that this failure will not occur again with any consumer XXXX  conduct created avoidable risk and violated the spirit and requirements of the FCRA. I am requesting the CFPBs assistance to ensure accountability, compensation, and corrective action.

Company response to consumer: Closed with explanation