vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Capital Accounts, LLC
State: IL

Complaint narrative:
So complaint add to this other complaint XXXX I just look at my payment history for my XXXX XXXX card and it shows my payment was made for XXXX and the card company will not let me use the card or show my availability credit at all I believe this Masonic and Eastern Star XXXX XXXX fraudulently some how being able to block me from using my card and also fraudulently charging me XXXX fraudulently taking the money just look at my payment history. So I paid XXXX on XXXX and it will not give me my credit available and I can't get help to why I can't use my car. The organization has stop me from being able to use the card in fear I will rent a car for the holidays.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> {$6300.00} was credited into my BMO checking account. I called the bank and asked if they can decline the funds and send it back. I was told they could not and I should contact the merchant to rescind the funds. I contacted the merchant who initiated the rescind of the funds. I called the bank to inform them and to close any open claim. However, on XX/XX/year> the bank initiated a return of the {$6300.00} without telling me or my authorization. Then, on XX/XX/year> the bank made a debit adjustment of {$6300.00} and despite calling daily, has failed to provide any explanation. In addition, the merchants rescission of the funds went through on XX/XX/year>. Because my account was debited {$6300.00} three times, my account went into the negative which triggered my overdraft loan and interest on it. On XX/XX/year>, the {$6300.00} that was sent on XX/XX/XXXX was returned into my account. Then on XX/XX/year> the bank once again sent {$6300.00} out of my account without my authorization and has failed to provide an explanation. The merchant has not received its funds and I have not gotten a resolution on the debit adjustment of {$6300.00} done on XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 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: TN

Complaint narrative:
On XX/XX/year>, PayPal permanently deactivated my business account ( XXXX XXXX, XXXX ) without adequate explanation, citing only that they " can not verify '' information used to create the account. At the time of deactivation, I had {$530.00} in available balance that I am unable to withdraw. When I attempted to transfer the funds, I received an error page. PayPal 's deactivation notice stated they may hold funds for up to 120 days. These are legitimate business funds collected from customers for industrial filtration products sold through my XXXX website. There are no open disputes or chargebacks on my account. The balance is shown as " available '' in my PayPal dashboard but I am blocked from accessing it. I contacted PayPal and received only a vague automated response that did not explain the specific reason for the account closure or the fund hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Acorns Grow Incorporated
State: CA

Complaint narrative:
Subject : Complaint Regarding Acorns Account Suspension, Lack of Response, and Account Access Issues To Whom It May Concern, I am submitting this complaint regarding my Acorns account. I recently XX/XX/year> noticed unusual withdrawal/deposit ( XXXX ) activity connected to my bank account from Acorns. When I contacted Acorns to ask why this occurred, I explained that I had previously paused certain activity on my account. After I questioned the activity, Acorns suspended my account. I was then asked to verify my identity, which I completed. Someone from Acorns also called me and asked a number of questions, which I answered. I was told they needed time to review the situation and that someone would get back to me. However, more than a day has passed since I was told I would receive an update, and no one has contacted me. My account remains suspended, and I still do not have clear information about what happened, why the account was suspended, or when I will regain access. This is especially concerning because part of my Acorns account includes IRA funds. I do not want to close the account if doing so could create tax consequences or early withdrawal issues. At the same time, I am no longer comfortable doing business with Acorns if they will not explain the account activity or restore access after I completed the requested identity verification. I am requesting that Acorns provide the following : A clear explanation of the withdrawal/deposit activity that occurred on my bank account A clear explanation of why my account was suspended Confirmation that my identity verification was received and completed Immediate restoration of access to my account, or a written explanation of what is still required A way to transfer or close my non-IRA funds without unnecessary delay or fees Clear instructions regarding my IRA funds so I do not accidentally trigger taxes, penalties, or early withdrawal consequences Written confirmation that no unauthorized or incorrect transactions occurred I have attempted to resolve this directly with Acorns, but I am not receiving timely communication or a clear resolution. I am asking for CFPBs assistance in getting Acorns to respond, explain the account activity, and provide access or a proper resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I deposited a Check on Saturday XX/XX/2026, and the funds are showing in my balance, on My XXXX but the bank put the check on hold until XXXX without any notice or reason or notice. only explanation they have is that this is for their on protection. also, they're refusing to refund or cancel the check so i could take it to a different bank. this is making a big inconvenience for the business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
Robinhood closed my account and they have put a hold on my phone while they say they verify the source of the funds. I have tried to communicate with them to find out what they need but I get the same copy and paste response. At this time I have over about {$1800.00} which I cant get returned to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: AZ

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Unauthorized deposits appeared in my b bank account, and shortly afterward I received a phone call from individuals claiming to be representatives from Navy Federal and it was there telephone number. The callers stated that his account had been compromised and instructed me to provide login information and transfer my money to XXXX XXXX in order to protect my funds. Believing I was speaking with legitimate Navy Federal representatives, I followed the instructions provided during the call. As a result, approximately {$4000.00} was transferred from my account through XXXX XXXX. The fraudulent deposits were later reversed, leaving my account with a negative balance of approximately {$1700.00}. The fraud claim submitted to Navy Federal was denied without a full investigation. No supporting documentation, call logs, screenshots, or evidence of the spoofed/impersonated calls were requested prior to denial. We believe the claim was improperly reviewed as a simple authorized transaction instead of a documented social engineering and impersonation scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Purchased XXXX XXXX XXXX that was listed with a XXXX point inspection in XXXX all the oil was drained out and I was then extorted for brakes by XXXX. Many more attempts at fixing it and multiple tow and repair bills out of my pocket. Then they offered me a buyback with the stipulation the refund would come from BRIDGECREST XXXX and no one would provide any information that would let me know XXXX in the loop. I was lied to about the refund. I reported to law enforcement because I knew once they got the car I would then have to fight BRIDGECREST because they are separate entities when it benefits them and combined entities when it benefits them. BRIDGECREST has not received any thing from XXXX except I missed the deadline and now the offer is no good. I want my money back the lien canceled and the car removed. Not one person in either of those companies have done anything to be helpful but instead lied, twisted the truth, told me emails would suffice as proof of the lien being canceled. Vexation and stonewalling and gaslighting. So now I am this " unreasonable " customer because I won't let them cheat me anymore. I have made multiple attempts for law enforcement. And Attorney General 's in multiple states. There is not a deadline for fraud. The contract is predated three days prior to the purchase by XXXX XXXX XXXX XXXX XXXX. Fake title work for both XXXX and XXXX never titled in either state. XXXX title canceled in XX/XX/XXXX. I am tired of the back and forth. The contact is void from the beginning. XXXX admitted to the car being misrepresented to XXXX XXXX the AG of XXXX. So does XXXX hold the title or does BRIDGECREST? Can anyone explain to me why passing the buck from one entity to the next is okay? There is not a deadline for fraud. I knew that I would never get results once they got the car. Not one person representing that company has worked I. Good faith. Lies and loopholes. Deceiving people. I want my money and the lien cancelled and the car removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am attempting to transfer available funds from my Truist business checking account to an external bank ( XXXX XXXX XXXX ) via XXXX. The funds are readily available, XXXX is registered and confirmed on both bank accounts, I have provided all security information requested via confirmation emails and texts. Truist bank blocks the XXXX transfer attempts, since they are being flagged as " fraud '' ... I call Truist fraud department as requested and NO ONE at this institution can resolve the problem, their answer is basically ; " tough luck figure out another way ''. Why is this institution allowed to hold my money XXXX? They charge small business $ XXXX/month and yet they are not able to provide ANY answers, by far the worst banking institution in the US.

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 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: NC

Complaint narrative:
" I am filing a formal dispute against E * TRADE ( Morgan Stanley Private Bank ) for an erroneous promotional disqualification regarding a {$750.00} cash deposit bonus on my Premium Savings account ending in XXXX. I opened this account on XX/XX/year>, and successfully transferred {$54000.00} in external, net-new funds from my XXXX XXXX XXXX account ( XXXX ) on Day 1. By XX/XX/XXXX, my total net-new funding reached {$60000.00}, hitting the criteria for the {$750.00} cash reward tier. My balance never once dropped below the {$50000.00} floor during the 45-day maintenance period ending XX/XX/year>. E * TRADE 's own system generated an alert on XX/XX/year>, confirming : 'You 've met the deposit criteria for a cash bonus. ' On XX/XX/year>, an automated notice incorrectly stated I was disqualified. A customer service representative claimed a temporary automated security flag from XX/XX/XXXX regarding a secondary, unrelated external link attempt triggered a sweeping account-wide promotional disqualification. The frontline staff refused to escalate my call to a supervisor or the promotions department, stating formal disputes could only be filed via mail. I successfully fulfilled all promotional terms as of XX/XX/XXXX. A temporary, later-resolved security flag on an unrelated external link can not legally invalidate a completed promotion. I request that a compliance officer manually review my verified deposit history and honor the {$750.00} promotional credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AR

Complaint narrative:
Credit Control has been repeatedly contacting me about a XXXX XXXX account that I did not open and do not owe. I spoke with them months ago and clearly told them the account was not mine. I also told them to stop calling me. Despite this, they continue to call early in the morning and throughout the day. I have never had a XXXX XXXX account, never authorized this debt, and have no connection to it. Their continued calls after being told to stop are harassing and violate my rights under the FDCPA. I am requesting that Credit Control stop all communication with me and provide proof of the debt or remove it entirely.

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 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding the repeated re-reporting and reassignment of the same alleged XXXX collection debt, which has now cycled through multiple collection agencies and continues causing recurring harm to my credit report. The same alleged {$90.00} debt has previously been reported by XXXX XXXX XXXX and XXXX XXXX. Each time the account appeared, I disputed it and requested meaningful validation and verification of the alleged debt. Following those disputes, the collection accounts were removed from my credit report. I have now discovered that the same alleged debt has once again reappeared, this time through I.C. System, Inc., continuing the same cycle of collection reporting and credit harm. Throughout these repeated disputes, I have consistently requested clear verification and account-level validation of the alleged debt, including : - Original account information - Itemized account history - Dates of service - Original delinquency information - Complete reporting chronology - Documentation supporting the repeated reassignment and reporting of the same alleged debt Despite multiple dispute opportunities involving multiple collectors, I have never been provided with meaningful documentation sufficient to conclusively establish the debt and explain the repeated reporting cycle. The recurring reassignment and re-reporting of the same alleged XXXX debt is forcing me into repeated dispute processes while repeatedly damaging my credit profile each time the account resurfaces. Because the collectors involved derive their authority from XXXX XXXX XXXX remains the originating source connected to the repeated collection activity and recurring reporting harm associated with this account. My position is straightforward : - If XXXX and its agents can conclusively validate and verify the debt with complete supporting documentation, I am willing to resolve the account. - If they can not provide sufficient validation after multiple disputes and repeated collection cycles, then the continued re-reporting of this alleged debt should cease permanently. I am requesting : 1. A complete investigation into the repeated reassignment and re-reporting of this alleged debt 2. Full account-level validation and reporting chronology 3. Clarification regarding prior removals/deletions after disputes 4. Investigation into the recurring credit harm caused by successive reporting of the same alleged debt 5. Permanent correction or removal if the debt can not be conclusively validated

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 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carvana Group, LLC
State: AL

Complaint narrative:
Purchased XXXX XXXX XXXX that was listed with a XXXX point inspection in XXXX all the oil was drained out and I was then extorted for brakes by XXXX. Many more attempts at fixing it and multiple tow and repair bills out of my pocket. Then they offered me a buyback with the stipulation the refund would come from XXXX XXXX and no one would provide any information that would let me know XXXX in the loop. I was lied to about the refund. I reported to law enforcement because I knew once they got the car I would then have to fight XXXX because they are separate entities when it benefits them and combined entities when it benefits them. XXXX has not received any thing from Carvana except I missed the deadline and now the offer is no good. I want my money back the lien canceled and the car removed. Not one person in either of those companies have done anything to be helpful but instead lied, twisted the truth, told me emails would suffice as proof of the lien being canceled. Vexation and stonewalling and gaslighting. So now I am this " unreasonable " customer because I won't let them cheat me anymore. I have made multiple attempts for law enforcement. And Attorney General 's in multiple states. There is not a deadline for fraud. The contract is predated three days prior to the purchase by XXXX XXXX XXXX of Carvana. Fake title work for both XXXX and XXXX never titled in either state. XXXX title canceled in XX/XX/XXXX. I am tired of the back and forth. The contact is void from the beginning. Carvana admitted to the car being misrepresented to XXXX XXXX the AG of XXXX. So does Carvana hold the title or does XXXX? Can anyone explain to me why passing the buck from one entity to the next is okay? There is not a deadline for fraud. I knew that I would never get results once they got the car. Not one person representing that company has worked I. Good faith. Lies and loopholes. Deceiving people. I want my money and the lien cancelled and the car removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
b"On XXXX XXXX, I was contacted by someone from XXXX (fraudster) regarding a charge of XXXX XXXX XXXX XXXX XXXX XXXX XXXX The unauthorized charge was processed by a business in XXXX I was informed that my card ending in XXXX would be turned off. Then the individual told me a new card would be issued and that it would arrive on XXXX XXXX The new card number that would be issued to me was identified as XXXX XXXX XXXX XXXX. It was noted after the fact that the fraudster had hacked into my Cash App account, linked the card in question to my Cash App account, and withdrew XXXX I received an email from Cash App that the XXXX card had been linked to my Cash App account. Two minutes later the card was unlinked from my Cash App account. I contacted Cash App to open an investigation XXXX XXXX. Cash App investigated and determined that I was a participant in the withdrawal. I already had 2 cards connected to my Cash App account and didn't add or approve of a third card being added."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I opened a Delta SkyMiles American Express card under a promotional offer for XXXX bonus miles after completing a required spending threshold. I completed the required spending within the promotional timeframe using legitimate purchases. Before the promotional miles were awarded, American Express closed the account and is now refusing to honor the earned bonus. I contacted customer service and a supervisor, but no meaningful explanation was provided beyond a general statement about forfeiture. I am requesting that American Express either : 1. award the earned XXXX XXXX bonus, or 2. provide the specific contractual basis and timeline showing why the earned promotional reward was forfeited despite completion of the spending requirement. I have records showing the promotional offer, qualifying spend, and account timeline.

Company response to consumer: Closed with explanation