vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
On XX/XX/year> I got a call from my bank, Huntington National Bank, to dispute fraudulent charges on my account. I proceeded to go through the fraud process with the reps providing them with information to get this taken care of. My debit card was supposed to be cancelled and a new one ordered during this process. While going through this process, I was instructed to reply yes to a verification text so that it would be able to be disputed. While going through this process, I logged in to my mobile banking app and saw multiple charges that were pending on my account that I did not authorize. When it was all said and done, it was a total over XXXX dollars. After hanging up with them, I had noticed a few more small charges and had gone in to my banking app to lock my debit card. There should have been no reason for me to do so if my card had been cancelled. I now believe that the scammers somehow were able to call me using the Huntington National Bank 1-800 number and scam me out of my money. I went in the app and changed my password to lock my card as it was after hours for when I could call again. The next day when I called, my debit card had NOT been cancelled and was instead added to a random XXXX XXXX account. The new rep got my card cancelled, a new one ordered and the disputes put in for the fraud. In calling back the next few days for updates, I was told things were still being investigated. My last call with them was on XX/XX/year>. This process ended up being over 5 hours long. The first call, they had informed me that my investigation was closed, due to misinformation. I then asked for a supervisor for clarification. I was put on hold for about 45 mins, then a silent hold. I hung up and called back to go through the same process. This time, in asking for a supervisor I was placed on a silent hold that went on for upwards of three hours! They finally disconnected the call after three hours. My fiance and I called the final time to get a supervisor and they ended up just transferring us to a message that informed us that they were now closed and to call back after the weekend. While on this call, there was one of the smaller charges for XXXX returned, but nothing close to what it should have been. I have also filled a police report on this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Problem with customer service — 
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
I was served a cease and desist because I had concerns that I voiced XXXX XXXX. I still have received no return call or follow up regarding my concerns or request for forbearance. The last response was XX/XX/year> XXXX  it was a cut XXXX  paste. I contacted FHA for assistance and XXXX  mediate a solution for a temporary hardship. It was reported to XXXX that the employer cut hours XXXX, in some cases, I was not paid. This speaks XXXX  a short-term solution needed not a XXXX permanent loan XXXX. I refuse XXXX  sign something that no XXXX  will legally endorse or attest to at Virginia Housing. 

Virginia Housing can not serve a cease XXXX  desist on a mortgage holder where you service the loan, especially if it's a federal loan. The compliance XXXX XXXX XXXX XXXX  XXXX legal counsel XXXX XXXX illegally qualified an FHA option that is not valid XXXX  or does not fall in line with the various steps that need XXXX  be taken per FHA. XXXX, XXXX refused XXXX  update the stand alone XXXX option per date change. The mortgage is on hold XXXX  no further collection activities including foreclosure can proceed until FHA has reached a resolve as is the normal practice when homeowners escalate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: IN

Complaint narrative:
On Monday, XX/XX/XXXX at XXXX XXXX., I sent {$360.00} via Cash App to XXXX XXXX account ( $ XXXX ). Shortly thereafter, I discovered the account was no longer accessible to him due to a device change and inability to log in. I contacted Cash App Support the same day and was instructed to file a dispute and submit a refund request. I complied immediately. XXXX was directed to create a new cash app account and verify his identity. He did everything that he was asked to do via cash app support but they are still denying him access to the old account and are claiming that for security reasons they are unable to transfer the funds. I have attached email correspondence to XXXX from the management team at Cash App stating this is a final decision they have no ability to override. 


Despite timely notice and full cooperation : Cash App has refused to refund the {$360.00} to the sender ; and Cash App has failed to restore account access or provide a viable withdrawal mechanism for the intended recipient. 

The funds remain under Cash Apps exclusive control with no meaningful resolution provided. 



Regulatory and Legal Concerns Cash Apps handling of this matter raises concerns under : 1. The Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E ( 12 C.F.R. Part 1005 ). 
Upon receiving notice of an alleged error, a financial institution is required to conduct a reasonable investigation and report results within prescribed timeframes ( 12 C.F.R. 1005.11 ). 

Retaining disputed funds without conducting and communicating a good-faith investigation or providing provisional credit where appropriate raises compliance concerns. 

2. CFPA Prohibition on Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), 12 U.S.C. 5531 and 5536. 
An act or practice is unfair where it causes substantial injury to consumers that is not reasonably avoidable and not outweighed by countervailing benefits. 

By simultaneously : Refusing a refund, Refusing to restore account access, and Continuing to retain control of {$360.00}, Cash App has created substantial financial injury with no practical remedy available to either party. 

3. Failure to Provide Access to Deposited Funds. 
A payment platform can not indefinitely retain consumer funds while denying both transactional reversal and account recovery. Such conduct raises serious concerns regarding unreasonable fund retention and failure to provide commercially reasonable access. 



Harm The {$360.00} remains effectively frozen. Neither the sender nor the intended recipient can access the funds. Cash App has provided no clear escalation pathway, no meaningful timeline for resolution, and no compliant investigative findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I sent a MoneyGram transfer on XX/XX/XXXX for XXXX. The transaction has shown In Transit for over one month. The funds were never delivered to the recipient and have not been refunded to me. I have a case number XXXX but no resolution. I am requesting immediate cancellation and refund of my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Citibank ( CitiCards CBNA ) related to a charged-off credit card account.

The account became delinquent in 2024 and was later reported as charged off and closed by the creditor. However, the account continues to be reported with ongoing derogatory updates that create the appearance of an actively delinquent account rather than a historical charge-off.

I previously disputed this reporting through the credit reporting agency. During that investigation, the creditor verified the account as accurate but did not provide documentation demonstrating how the reporting complies with Fair Credit Reporting Act accuracy requirements. I requested verification of the payment history, balance calculation, and confirmation of the date of first delinquency, but no supporting documentation was provided directly to me.

Because a charged-off account represents a historical default, continued derogatory reporting is misleading and materially impacts my credit standing by making the account appear as an ongoing delinquency. I request that the company provide documentation demonstrating compliance with FCRA reporting standards or correct or delete the tradeline from all consumer reporting agencies.

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Chime Financial Inc
State: PR

Complaint narrative:
I live in XXXX XXXX and I was opening a bank account with chime. When I put my street address Chime fully recognized my address and autofiilled it. Once my account was opened I received an email saying that I lived in XXXX instead of XXXX XXXX. When I called them about the issue they informed me that they needed a United States address and not a XXXX XXXX address. I informed them that chime autofilled the correct address and that XXXX XXXX is an XXXX address. They said XXXX XXXX was part of the XXXX and not the XXXX XXXX. And then said that it had to be a state for me to open an address. I told them to close the address as they put my address incorrectly and couldn't correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
In XX/XX/year>, my teen made a one-time online purchase from a website she believed was legitimate. After that purchase, the merchant began repeatedly charging her XXXX  debit card for transactions that were not authorized and were not agreed to as recurring charges. 

Once we discovered the unauthorized transactions, we immediately reported them to XXXX  and took protective action. We locked the card while transactions were pending, and XXXX  has since issued two replacement debit cards with new card numbers. Despite these actions, the charges continued to occur. 

XXXX  denied our disputes stating the card chip was present and validated and that the card was in our possession. However, this does not explain how transactions continued after the card was locked and replaced multiple times. This strongly suggests the merchant retained stored payment credentials or tokenized billing authorization and continued charging without consent. 

This XXXX  account is used as my teens primary financial account and receives payroll deposits. The continued unauthorized debiting has caused financial hardship. 

We attempted to resolve this directly with XXXX  through disputes and requests for investigation, but the claims were denied. We are requesting a full investigation into unauthorized recurring merchant billing and reimbursement for unauthorized transactions after the original XXXX purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
On approximately Thursday, XXXXy the XXXX at XXXX between XXXX and XXXX I received a phone call from an individual spoofing Chimes phone number. The collar stated that my account had been compromised XXXX  that immediate action was needed XXXX  secure my funds believing I was speaking with chimes fraud department. I logged into my account while on my phone XXXX  was instructed XXXX  move funds from my savings account XXXX  my checking account to protect the money I did not provide my password did not provide any XXXX time verification codes XXXX  did not authorize any transferred to a XXXX-party the following morning at approximately XXXX XXXX XXXX. I contacted Chime directly to verify the The legitimacy of the call at the time I was informed the previous call was fraudulent. I also discovered that {$1500.00} had been withdrawn from my account XXXX XXXX XXXX  a XXXX-party. I did not initiate or intend for authorization any XXXX transferred to another individual. I did not knowingly approve such a transaction. The transfer occurred after the spoof call and without my understanding or consent I immediately reported the incident and followed up instructions provided by trying, including filing a police report, despite this, Chime denied my claim XXXX  stated that no error occurred without providing sufficient explanation as to have the transfer was demanded authorized under regulation XXXX XXXX requesting that this matter reviewed under the protection of the Electronic Funds Transfer act regulation XXXX, as this was an unauthorized electronic fund transfer resulting from impersonation fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: INDEPENDENCE HOME LOANS LLC
State: MO

Complaint narrative:
I am filing a complaint regarding repeated unsolicited mail from XXXX XXXX XXXX. 
I receive XXXX XXXX  XXXX letters per week from this company. They are not my mortgage lender, XXXX  I have never done business with them. The mailers are designed XXXX  look official XXXX  use urgent language such as Take Action Before [ Date ] XXXX  Call Immediately, which I find misleading XXXX  predatory. 
There is no clear way XXXX  opt out of these mailings, XXXX  I do not know how they obtained my information. The volume and presentation of these solicitations feel deceptive XXXX  harassing. 
I am requesting review of their marketing practices XXXX  assistance in stopping further mail to my address. 
Thank you. 

XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/year>, someone got into my families plan on XXXX and transferred our phone numbers to another XXXX. They got into our emails and apps and opened new cards in our names as well as accessed current credit cards. I have disputed a card with XXXX, spoke with someone about my XXXX card which was unfrozen and login info was changed but it wasn't used, and have been trying to reach JP Morgan because a Chase credit card was opened up. I am not sure what else has been done. They also got into my XXXX XXXX account and used my partners card that was on file to place a grocery pickup order and make other purchases.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC keeps reporting the same debt account and closing it to artificially drop my credit score. It has happened multiple times. I keep noticing my credit dropping and keep getting a new notice of a collection being added to my credit and when I looked it was the same account and then it was immediately removed but my credit suffered with the newly added collection thats already on my credit since XXXX of 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I had a debt owed to a XXXX XXXX credit card. This was charged off and sold to Portfolio Recovery Associates, who then sent it to XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX offered a settlement of the debt to avoid legal action which I took, and will provide proof. I have paid my settlement and now portfolio recovery associates refuse to report my account as settled to my credit even though I have paid my settled agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Regional Management Corporation
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( last XXXX ) : XXXX FORMAL NOTICE OF DISPUTE & DEMAND FOR PERMANENT DELETION VIOLATIONS 1. Failure to Validate Debt Prior to Reporting Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

2. Unlawful Credit Reporting Reporting without proof of contractual obligation violates 15 USC 1681b.

3. Misleading Account Status Conflicting dates and balances violate 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I am filing this complaint because the company continues to attempt to collect an alleged debt and report it on my credit report despite my request for them to stop contacting me. I sent a cease-and-desist request instructing the company to stop communication regarding this matter, but they have continued their collection efforts. 

The companys actions have caused XXXX  and concern, and they continue to report this account on my credit report. I am requesting that the company honor my cease-and-desist request, stop all communication with me, and remove this account from my credit report with all credit reporting agencies. 

I am requesting written confirmation that these actions have been completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
My Vanilla Gift card may data was stolen by and skinned by a website that pretended to be a low priced goods website selling cheap phones. After I discovered that I thought my data would have been erased from the website or it showed it didn't go through on XXXX. Two charged one for {$32.00} and another for {$9.00} from a XXXX XXXX both showed from a Eastern Standard Time Zone. And I did not purchase those items. I did file a dispute with InComm and they denied my claim. I read other customers have also had bad experiences with this gift card company and that there have been lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX SC XXXX SSN ( Last XXXX ) : XXXX Creditor : Jefferson Capital Systems Account # : XXXX XXXX XXXX XXXX XXXX  Amount Reported : {$1200.00} Bureaus Reporting : XXXX XXXX XXXX  Creditor Type : XXXX XXXX XXXX XXXX XXXX FORMAL NOTICE OF DISPUTE, FDCPA VIOLATIONS & DEMAND FOR PERMANENT DELETION I am formally disputing the accuracy, legality, and completeness of the above-referenced account being reported by Jefferson Capital Systems XXXX 

This account is unverifiable, inaccurately reported, and unlawfully furnished, in violation of multiple federal consumer protection laws. 



VIOLATIONS OF FEDERAL LAW 1. Failure to Provide Debt Validation Jefferson Capital Systems has failed to provide proper debt validation as required by : 15 USC 1692g ( FDCPA ) 12 CFR 1006.34 ( b ) ( 5 ) ( Regulation F ) No competent evidence has been provided demonstrating : A valid consumer contract A lawful assignment or purchase agreement Proof of ownership of the alleged debt 2. No Opportunity to Dispute Prior to Credit Reporting Jefferson Capital reported this account without providing a meaningful opportunity to dispute, in direct violation of : 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 3. False, Misleading, and Deceptive Reporting The reporting of this unvalidated debt constitutes false and deceptive practices in violation of : 15 USC 1692e ( FDCPA ) Additionally, conflicting dates of last activity and reporting dates between XXXX XXXX XXXX render the account materially inaccurate. 



4. FCRA Violations Inaccurate and Unverifiable Data Jefferson Capital Systems has violated : 15 USC 1681e ( b ) failure to ensure maximum possible accuracy 15 USC 1681s-2 ( b ) failure to conduct a reasonable investigation A furnisher may not report information it can not fully verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Local Management, LLC
State: SC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN ( last 4 ) : XXXX FORMAL NOTICE OF DISPUTE & DEMAND FOR PERMANENT DELETION I am disputing the accuracy, legality, and completeness of the above-referenced account. 

VIOLATIONS OF FEDERAL LAW 1. Inaccurate and Incomplete Reporting This account is reported as charged off with a {$0.00} balance, which is materially misleading and violates 15 USC 1681e ( b ) ( maximum possible accuracy ).

2. Failure to Validate Debt No validation has been provided as required under 15 USC 1692g and 12 CFR 1006.34 ( b ) ( 5 ).

3. Unlawful Furnishing Without Authority Reporting without proof of contractual obligation or lawful authority violates 15 USC 1681b.

Company response to consumer: Closed with explanation