vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: CA

Complaint narrative:
So I have had a cashapp account with cashapp before and for some weird reason everytime I try to log in it tells me my account goes against or violates there community guidelines I really enjoyed using my cashapp account and would love to have it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: WV

Complaint narrative:
I rented a car from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and returned the XXXX. When i rented the car charges were XXXX and a XXXX dollar deposit refunded when the car is returned unharmed. I took the car back clean fueled and on time the XXXX at aboit XXXX XXXX Later i get message from chime saying refind on its way. I still have no refund. I called XXXX XXXX and chime XXXX XXXXXXXX says they got their XXXX. They say they sent me back the XXXX. Chime even sent me a message same day saying refund on its way between XXXX and XXXX. Since then no refund. Chime lists the original XXXX as pending ecen though enterprise said they took their money and refunded me mine and all transactions are complete. They say its XXXX problem when i call chime. I ask to speak to a.manager at chime they say ok and put me on hold then after XXXX minutes hang up on me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXXI am filing this complaint regarding a debt collection call I received concerning an alleged Mastercard account originally associated with XXXX and/or Capital OneXXXXDuring the call, I spoke first with an individual identified as XXXX and was later transferred to XXXX XXXXn from XXXX XXXX XXXX The collectors stated they were attempting to collect on an alleged debt tied to Mastercard account ending in XXXX The full account number was verbally disclosed to me during the call as XXXX XXXX XXXX XXXX The alleged balance claimed was approximately XXXXThe collector stated the account became delinquent in XXXX XXXX and claimed their company had purchased the debt from another entity. The representative also stated they were capable of obtaining a judgment as long as the debt remained within the statute of limitationsXXXXI have several concerns regarding this interactionXXXXDebt Validation ConcernsXXXXI requested formal validation of the debt during the call. At this time, I have not yet received sufficient written proof establishingXXXX The full chain of title showing ownership of the alleged debtXXXX A signed agreement bearing my signatureXXXX A complete payment historyXXXX Proof that the collector has legal standing to collectXXXX Proof that the balance amount is accurate and legally enforceableXXXXThe representative stated a validation letter would be mailed through regular mail within approximately XXXX XXXXDisclosure of Full Account Information\n\nI am concerned that the collector verbally disclosed the full XXXX-digit account number during the phone call. I believe this may raise privacy and consumer protection concernsXXXXPotential Misleading StatementsXXXXThe representative referenced securing a judgment and legal action before providing validation documentation. I am concerned these statements may have been used in a coercive or intimidating manner prior to proper validation of the alleged debtXXXXAccuracy of the DebtXXXXI dispute the alleged debt until proper validation is provided. I request verification thatXXXX The debt is accurateXXXX The amount claimed is correctXXXX The debt is legally collectibleXXXX The statute of limitations has not expiredXXXX The collector is properly licensed and authorized to collect in my stateXXXXCommunication PracticesXXXXI request that the company provide all future communications in writing until the debt has been fully validated.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was the victim of fraud. Someone withdrew money from my savings account, transferred it to my checking account, and then made a transfer to XXXX XXXX. I don't know which city or country, or who the transfer was to. I notified the bank because the money was still pending. They froze my account for security reasons and investigation. Ten days have already passed. I have bills to pay, and when I call, they say it's still ten days.I 'm stuck, I need him to give me the rest of the information. He promised that after 10 days, the money would be in my account. The amount withdrawn from my savings account is {$1000.00}, and the amount sent to XXXX XXXX from my checking account is {$990.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CO

Complaint narrative:
There were people scamming me and they said they needed a crate fee to deliver a XXXX so I sent them {$400.00} on Cash App, but never received my XXXX. After they started asking for more money I started getting suspicious and did not send them anymore. I also asked them to refund it and they still havent responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
I contacted Beyond Finance and requested a full refund of the excessive fees they retained. They refused and stated they would not refund me anything. I enrolled in Beyond Finances debt settlement program on XX/XX/XXXX, with {$24000.00} in original enrolled debt. The signed Debt Resolution Agreement showed an Estimated Program Deposit of only {$19000.00} and representatives told me I would not pay more than I started with. I ultimately paid the company a total of {$25000.00}. The company paid only {$11000.00} to my creditors ( confirmed by the final account statement and the XX/XX/XXXX graduation dashboard showing a {$12000.00} debt reduction ). Beyond Finance retained {$13000.00} in fees approximately XXXX % of every dollar I sent them. The agreement states a XXXX % settlement fee ( Section 11 ( a ) ), yet they kept over XXXX %. The transaction history shows they began deducting monthly service fees, XXXX monthly fees, and settlement fees starting from the first month and continued taking them incrementally before all accounts were fully settled. The program is now fully completed ( XX/XX/XXXX graduation ). All creditors have been paid. I believe the misleading savings estimate, broken promise, excessive fees, and premature fee collection are unfair and deceptive practices. Requested relief : Full refund of the {$13000.00} in fees retained by Beyond Finance. Written confirmation that my account is closed with no further charges. Confirmation that Beyond Finance will not report any negative information to the credit bureaus related to this program. I have attached the following supporting documents : Final Account Statement ( BeyondFinance, LLC_finalStatement.pdf ) Program Graduation confirmation ( BeyondFInance, LLC_GraduationXXXX ) Signed Debt Resolution Agreement ( BeyondFinance, LLCXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/XXXX, I discovered that my bank of America account had been closed without prior notice. Upon contacting the bank, I was informed that a transaction of {$9000.00} had been attempted. This transaction was unauthorized and appeared to be the result of fraudulent activity or a security breach of my personal information. I immediately requested a formal investigation ; they had told me they had already started on. Despite my request bank of America failed to provide updates or a resolution. Between XX/XX/XXXX and XX/XX/XXXX, I made multiple attempts to contact the bank for an update on the investigation, but I received no response or assistance until today. On XX/XX/XXXX, I had called bank of America again, and a representative informed me that the account will be closed forever and that I can't bank with anyone else until I report to XXXX. I am a victim of identity theft, as the hacker 's appear to have more of my personal information then I initially realized.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I paid off my Capital One last month. It was paid to a law firm as PAID IN FULL. I respectfully request that Capital One to update my balance to XXXX with each credit bureau immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I had an account with Affirm for the past few years, I have paid off about {$8000.00} total in loans that they have gave me over last few years all in good standing. I tried to make a new purchase and was denied installment payments for reasons of they could not confirm my identity. Due to this I closed my account and attempted to reopen a new account figuring that there was a glitch in the system somewhere and that is why they couldn't confirm my identity. As I put the application in, I was denied a new account for the same reason of could not confirm my identity. I contacted the company multiple times offering to verify any info they needed to confirm my identity, also stating that I had a good standing account in the past and have had multiple loans with them that I paid on time. Affirm said there is nothing I can do nothing I can send them to confirm my identity and said that the denial is for identity reasons. Please help me confirm my identity with my past credit file, Driver 's License, Social Security, Government issued Id, Birth Certificate or any other form of ID that I have available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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:
I am submitting this complaint regarding Cash App concerning unauthorized transactions resulting from fraud. On XX/XX/year>, I was targeted by a scammer who falsely represented themselves as an employee of my bank, XXXX XXXX XXXX XXXX. The individual claimed that my identity had been stolen and that my accounts were compromised. Based on these false claims, I was instructed to transfer my funds to what I believed was my own Cash App account to secure them. I followed these instructions under the belief that I was protecting my money. However, once the funds were transferred, the scammer immediately accessed and stole the money from my Cash App account without my authorization. I did not intentionally provide the scammer with any details such as pin number or login information, my funds were accessed and stolen by them without my consent. The account that the scammer used to steal the money is labelled as the XXXX XXXX with a card number ending in XXXX, and the transaction number is XXXX. The total amount stolen was {$3700.00}. I immediately took every possible action to report the theft and have my funds returned to me. I filed a police report with local law enforcement. I reported the scam to my bank, XXXX XXXX XXXX XXXX. I opened a fraud claim with Cash App. I provided Cash App with the police report documenting the theft, filed on the same day as the incident. In addition, I have made numerous attempts to resolve this issue through Cash App customer service, including multiple phone calls and use of their live chat feature. Despite these efforts, I have only received generic responses and have not been provided with any meaningful details regarding the investigation or reasoning behind the denial of my claims. Cash App has stated that the transactions appear to be authorized ; however, I explicitly dispute this characterization. The transfer was made under false pretenses as part of a scam, and I did not knowingly or willingly authorize the loss of my funds. This situation constitutes fraud and theft, and I believe Cash App has failed to adequately investigate the matter or provide appropriate consumer protections in response to a documented scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This debt does not belong to me the collection company XXXX. SYSTEM, XXXX has not been been able to issue me with the original terms and agreement of the debt theyre trying to collect. Its affecting my credit score and I would like this removed if they cant validate that it belongs to me.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I owed the military star card XXXX dollars and after several attempts with this company to arrange a reasonable payment plan, the company put me in collections with Transworld systems. Transworld systems began garnishing my wages without a court hearing or notification. After garnishing my wages and refusong to explain or give me access to any information of fees and penalties I am being charged. After garnishing my wages for a year and me paying over XXXX dollars they stop garnishing my wages. I contacted my HR department and they said I must have paid them off because they ended the garnishment. Transworld systems now say I owe them over XXXX dollars. I feel that there will never be any end to this financial assault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I was contacted by Bread debt collection agency saying that I owed {$1200.00} for a XXXX XXXX. I never ordered a camera.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
I am submitting this complaint regarding repeated collection activity and lack of meaningful hardship assistance from Exeter Finance. For the past approximately XXXX months, I have received continual and repetitive phone calls regarding my auto loan. During these calls, I have repeatedly explained the same financial and medical hardship circumstances over and over again to different representatives, often with little or no indication that prior conversations or notes were properly reviewed. I have consistently attempted to work cooperatively with the company and have repeatedly requested hardship assistance, modified payment arrangements, restructuring options, or any reasonable path to keep the account in good standing. However, I have not been provided with meaningful assistance or clear written options. On XX/XX/year>, I specifically requested that the company provide in writing any documentation requirements, hardship applications, or information they needed from me regarding my medical condition and current employment situation. I explained that due to ongoing health conditions, I am currently only able to work part-time. My limited income presently allows me only to maintain my mortgage, medical expenses, and basic living obligations. I also explained that my goal is to recover medically and eventually return to full-time employment in the future. I am not refusing to communicate or resolve the matter. I am requesting reasonable hardship consideration and clear written guidance regarding any available assistance programs or restructuring options. Instead, I continue receiving repetitive collection calls without meaningful progress toward resolution. I am requesting that the company : XXXX Review my account for hardship assistance or restructuring options ; XXXX. Provide all available hardship or modification programs in writing ; XXXX. Reduce excessive repetitive collection calls ; XXXX. Assign consistent account handling or escalation for hardship review ; and XXXX. Communicate clearly regarding what documentation is required from me moving forward. XXXX. When I asked the agent today to provide, in writing, all options she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I informed the company that I did not knowingly enroll in the Payment Security program and disputed the charges. I requested verification of how I was enrolled in the program and how the enrollment occurred.

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 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
This is for an HSA savings account. I submitted a claim for a dental expense online and request distribution of the amount in my account transferred to my banking checking account on or around XX/XX/year>. I had updated my online HSA account to include my banking checking account information. On XX/XX/year>, I received an email from fraud detection to call the bank to validate the activity. I called on XX/XX/year> and validated that it was me that initiated the transaction. My claim for disbursement was denied and my online account is locked. I called them on XX/XX/year> to remove the security hold from my account. I do not have access to my documentation since it is online and the account is locked. They were to review the information provided to unlock the account. I tried calling again on XX/XX/year> but was on hold for XXXX minutes. I called again on XX/XX/year> and again explained the situation. I asked for another way to verify my identity via notarized documents but was denied. I attempted to give the information I have access to on my account. They said they would review it and let me know. My account is still locked and I haven't heard back from anyone,

Company response to consumer: Closed with explanation