vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Beginning in XXXX and continuing through XXXX, I became a victim of repeated identity theft stemming from XXXX confirmed data breaches. My personal information was exposed through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Using my stolen information, unknown parties opened fraudulent credit cards, bank accounts, checking accounts, student loans, and lines of credit in my name without my knowledge or consent. Institutions affected include XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Navy Federal Credit Union, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit Card XXXX These fraudulent accounts have been reported to XXXX XXXX XXXX XXXX, severely damaging my credit. Fraudulent banking activity has also been reported to XXXX blocking me from opening legitimate bank accounts. I have attempted to dispute these accounts previously without resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I refinanced my house in XXXXXXXX XXXX XXXX and my lender got payoffs from all of my creditors, including Citi. I thought it was paid off and didn't think anything of it. I never received statements after that until 6 months later, at which time I received a bill for {$250.00}. I reached out to them to ask what happened. They sent me 2 years worth of statements, but the ones I was requesting were not all there.

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 non-monetary relief
Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
My business, XXXX XXXX XXXX XXXX XXXX, received a {$3500.00} payment through Square ( Block , Inc. ) on XX/XX/year>, via Square invoice, Receipt XXXX XXXX. The payment was made by a customer using a XXXX card ending in XXXX ( card-not-present ). Square 's own records mark this transaction " Paid in full. '' As of today, more than XXXX days later, I have never received these funds. The {$3500.00} has never been deposited to my linked bank account and has never appeared as available balance in my Square dashboard. As a result, my Square debit card has been declined and I have been unable to access any of the money Square 's records confirm I am owed. On a phone call and in a written email dated XX/XX/year>, Square confirmed this payment is valid and that the last XXXX digits of the card on file match my dashboard records. Despite this, the funds have not been released. I had earlier attempted to reverse the transaction to re-process the payment through a different system ; those refund attempts failed, and I have since cancelled all refund requests. I do not want a refund I want the original payment released to me. Separately, Square instructed me to link my bank account in order to receive the {$3500.00}. After I linked it, Square attempted to withdraw over {$6000.00} from my account funds I never authorized and do not owe. I am not disputing the payment and I am not requesting a refund to the buyer. I request that Square ( XXXX ) release the original {$3500.00} payout to my linked bank account ; ( XXXX ) cease any attempt to debit my bank account ; ( XXXX ) state the specific reason and expected end date of any hold on my account; and ( XXXX ) confirm in writing whether any dispute or chargeback exists. I have contacted Square by phone more than XXXX times with no resolution only conflicting information and repeated dead ends. This withholding for XXXX days has caused direct financial hardship to my business and my family. I request the expedited release of funds that Square 's own records confirm are owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: VW Credit
State: IL

Complaint narrative:
Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/Lease Number : XXXX XXXX XXXX XXXX XXXX XXXX ) is committing administrative negligence by failing to correct a fabricated odometer reading, which is actively blocking a state title transfer and preventing the execution of my contractual lease buyout. Incident Details and Timeline : The Error : XXXX submitted an erroneous odometer reading of XXXX miles to the XXXX state in XXXX, after i paid all the taxes, and got my XXXX plates. Actual Mileage ( XX/XX/XXXX ) : The verifiable mileage was XXXX miles. Current Mileage ( XX/XX/XXXX ) : The current odometer reads XXXX miles, proving the XXXX submission is mathematically impossible. XXXX XXXX : The XXXX Secretary of State ( XXXX ) has placed a hard hold on the title transfer and registration due to this specific discrepancy. Consumer Action : I submitted a formal demand letter to XXXX outlining the exact state requirements, including photographic proof of the current odometer. Required Resolution : XXXX strictly requires XXXX to submit the original XXXX source title and an executed Affirmation of Correction Odometer form directly to the XXXX SECRETARY OF STATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Impact of Institutional Inaction : XXXX XXXX refusal or inability to properly process state-required compliance documentation materially blocks my legal right to purchase the leased vehicle. Despite me completing all the required steps when i moved from XXXX XXXX XXXX XXXX has failed to act, and obtain IL title, by surrendering XXXX title to XXXX XXXX as per XXXX law. Requested CFPB Intervention : Compel XXXX XXXX XXXX XXXX XXXX XXXX to immediately execute the required odometer correction documentation to prevent the forfeiture of my contractual buyout rights. Title Resolution : Mandate XXXX to submit the executed Affirmation of Correction Odometer form and the original XXXX title directly to XXXX to secure a clean XXXX title. Buyout Execution : Expedite this administrative correction to allow the XXXX dealership to finalize the lease buyout before the contract expires in exactly XXXX months. Penalty Prohibition : RestricXXXX XXXX from assessing any extended lease charges, late fees, or financial penalties incurred during the delay caused entirely by their administrative negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I closed the account in XXXX XXXX and paid it in full at a local Chase bank. The following month, they accepted a charge for {$180.00} for a subscription that was not mine. I went into 3 different local branches in XXXX and XXXX XXXX, XXXX. and called them several times to let them know. At one point, I even offered to pay the {$180.00} to get it off my credit report. I have disputed it 5 times on XXXX and they keep coming back saying it is a legitimate charge. It may be legitimate, but it is not my charge. This is what it states on XXXX after I disputed again, Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX. I have tried everything to get this either paid or removed and they will not cooperate. The credit card is through JPMCB - Chase bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/year>, US. Bank closed my business checking account and as of today steal do not have any notice or explanation for my account. I needed for payroll and many other daily business expenses in my Law Offices consisting of 5 employees. I have called also and they refuse to provide information why it is closed and refuse to turnover my monies,

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 2026-06-02 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: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am filing this complaint regarding Barclays Bank Delaware and my XXXX XXXX Bank XXXX Hawaii XXXX account. Since XXXX 2025, I have repeatedly disputed the balance reported on my account and requested a complete explanation of how that balance was calculated. My concern is not simply that Barclays reported a balance. My concern is that Barclays has repeatedly stated that the balance is correct while refusing to provide the documentation and calculations necessary to verify that conclusion. Beginning in XXXX 2025, I contacted Barclays multiple times and requested : - a complete transaction-level reconciliation of the account ; - a running balance history showing how the balance changed after each transaction ; - documentation relating to returned payments and ACH activity ; - documentation supporting the balance Barclays reported XXXX - documentation supporting the conclusions reached in its investigations. Barclays repeatedly responded that the balance was accurate, but did not provide the requested reconciliation or supporting records. During my communications with Barclays, representatives also provided inconsistent explanations regarding payment activity. At one point I was told that multiple payments had been returned. Later, Barclays acknowledged that at least one of those payments had in fact been successfully received and applied to the account. Despite these inconsistencies, Barclays continued to maintain that the reported balance was correct and continued furnishing negative information regarding this account. To date, Barclays has not provided a complete reconciliation showing how the reported balance was calculated, what transactions were included, how returned payments were treated, how fees and adjustments were calculated, or what records were relied upon during its investigations. As a result, I have been unable to verify the accuracy of the balance Barclays continues to report. Nevertheless, negative information associated with this account has been reported to consumer reporting agencies, the account was closed, and my credit profile has been significantly damaged. I believe Barclays failed to conduct a reasonable investigation of my disputes and failed to provide the documentation necessary to verify the accuracy of the information it continues to 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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I just recently opened a Chase Account. My account was then closed because this unprofessional bank decided to close it and keep my funds. Is is completely unacceptable and unprofessional! I can not explain or express how irritated I am having my funds stolen from me. I am in the process of filing a lawsuit. XXXX on hand. I have HAD it I need my funds now. I will NEVER EVER used promote chase ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
As recently as today, XX/XX/XXXX, I called to make a half payment on my mortgage. Their representative confirmed they werent sure what happened last month ( XXXX ) after looking at the most recent transactions. All transactions have been made over the phone with a representative ( because of lack of accessibility on their app/website ). I called on XX/XX/XXXX to make a half payment, that was collected. My husband called on XX/XX/XXXX to make the other half payment, and they went through the process with them. This should have completed XXXX mortgage. He called again on XX/XX/XXXX and made a larger payment to start for XXXX mortgage. He was told there was a late fee for XXXX and he paid it. Now theres more of a balance than before and the numbers arent adding up. Also - their app/website is always unavailable. I can not access my monthly statements, told this to the representative today, and requested she send me the most recent months statement. She said she would, then it never came.

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 non-monetary relief
Consumer complaint received 2026-06-02 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: CA

Complaint narrative:
On Sunday night, XXXX XXXX, 2026, at XXXX pm I initiated an in-app XXXX XXXX transfer of {$170.00} inside my XXXX account to pull funds from my Cash App card. Today marks XXXX full business days. Cash App denied my internal dispute, claiming the transaction is completed on their end. They provided a internal XXXX processing ID instead of a bank trace XXXX XXXX $ XXXX. XXXX denies having any record of the funds because this internal XXXX token is completely unreadable on XXXX 's network XXXX. My money is completely lost in transit between platforms due to an unsettled network handshake failure. I am requesting a formal investigation to force Block, Inc. to trace this specific XXXX transaction or reverse the {$170.00} back to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I have been disputing the same thing over and over and over since XXXX. I have requested multiple times documentation of Proof of Ownership by mail providing right address and for them and for every company to stop harassing me with flooding of phones calls and neither of the requests have been answered or received. This same collection account has been removed in the past just to be picked up and reported to the credit by another company and another company. Every time I make a dispute it gets verified and the same loophole I have been on since XXXX begins. Dispute history XXXX Report Number XXXX Date Generated XX/XX/XXXX ( CREDIT MANAGEMENT COMPANY ) Dispute : XXXX ( XXXX XXXX XXXX XXXX Resolved XX/XX/XXXX Dispute : XXXX ( XXXX XXXX XXXX ) Resolved XX/XX/XXXX Dispute : XXXX ( XXXX XXXX XXXX ) Resolved XX/XX/XXXX Dispute : XXXX ( XXXX XXXX XXXX ) Resolved XXXX XXXX Dispute : XXXX ( XXXX XXXX XXXX XXXX XXXX Resolved XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MO

Complaint narrative:
I am disputing a transaction on my Cash App XXXX card well within the XXXX XXXX network rules for a defective item. The merchant sent XXXX consecutive broken car engines to intentionally delay the process. Cash App is refusing to honor XXXX network dispute guidelines and is failing to protect the consumer from documented merchant fraud. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I have attempted to have them verify debt. However, they are saying its accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
Heres your complete complaint ready to copy and paste : Complainant : XXXX XXXX XXXX of Birth : XX/XX/XXXX Complaint Against : Collection Bureau of America ( CBA ) Website : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Payment Reference : XXXX Summary : On XX/XX/XXXX at XXXX PM XXXX, I, XXXX XXXX, paid Collection Bureau of America in full {$370.00} satisfying the entire balance owed. I received written confirmation via their payment portal ( cba.avtal.com ) stating my account was closed with a remaining balance of {$0.00}. Despite this confirmed payoff and account closure, CBA continued reporting this account to XXXX as an active unpaid collection every single month for over one year. As of XXXX 2026, XXXX still reflects a {$370.00} past due balance with consecutive monthly derogatory marks appearing every month from the date of payment through present day. I have screenshot documentation of both the payment confirmation and the XXXX reporting to support this complaint. Violations : Furnishing false and derogatory information to credit bureaus after confirmed full payment and account closure Failure to update credit reporting agencies in a timely manner following payoff, spanning over XXXX consecutive months Potential unauthorized charges to my bank account following confirmed payoff Willful noncompliance with furnisher obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: Chime Financial Inc
State: SC

Complaint narrative:
XX/XX/XXXX at around XXXX a XXXX XXXX XXXXharge from XXXX came to my card which put me in the negative on my chime card and 2 times I have disputed and XXXX XXXX I did not make this charge and chime still denied me my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
On XXXX XXXX, 2026, I sent a debt validation letter via XXXX certified mail ( tracking number XXXX ) to Resurgent Capital Services disputing the alleged debt. The letter was delivered on XX/XX/year> at XXXX AM to their address in XXXX, SC XXXX, confirmed by XXXX tracking showing " Delivered, Left with Individual. '' Despite receiving my debt validation letter, Resurgent Capital Services sent me a collection email at XXXX PM on XX/XX/year> approximately XXXX hours after confirmed delivery soliciting payment and presenting payment plan options. This email was titled " Review Account Details & Payment Options '' and came from XXXX. Under 15 U.S.C. 1692g, a debt collector must cease collection activity upon receipt of a written debt validation request until the debt is verified and validation is provided to the consumer. Resurgent Capital Services continued collection activity in violation of this requirement. I have retained copies of the XXXX delivery confirmation, the certified mail receipt, and the collection email with timestamps as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WY

Complaint narrative:
Issue : XXXX is restricting access to cryptocurrency I deposited into my account Company : PayPal / XXXX ( PayPal , Inc. and PayPal XXXX XXXX ) What happened : XXXX allowed me to deposit cryptocurrency into my account, but it is now blocking all attempts to transfer or withdraw those assets. My identity is fully verified. When I attempt to transfer crypto, the transaction does not even register on XXXX system. Support agents confirmed they can not see any transfer attempts at all. Additionally, XXXX has removed all cryptorelated help options from my account, including the Something Else category and the Email Us escalation form. I have no way to reach the compliance team or any department capable of reviewing the restriction. I am being told contradictory explanations by support, and no one can see or explain the restriction. XXXX is effectively holding cryptocurrency that I deposited without providing access, justification, or a review timeline. They continue to allow deposits but block all outbound access, which deprives me of the ability to use or move the assets I transferred into their custody. What I want : I want XXXX/PayPal XXXX XXXX to : 1. Explain why my account is blocking all crypto transfers before a transaction is created. XXXX. Confirm whether my account is under a compliance or risk restriction. XXXX. Provide the basis for the restriction. XXXX. Provide a timeline for restoring access to my cryptocurrency. XXXX. Restore my ability to transfer or withdraw the crypto I deposited.

Company response to consumer: Closed with explanation