vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TN

Complaint narrative:
I have had a Cash App account for an extended period of time. On or around early 2024, I experienced an issue involving potential unauthorized access to my account and attempted to dispute the activity. During that time, I was unable to reach a live representative and only received generic automated responses. I did not receive meaningful assistance or a clear resolution. Shortly after, my Cash App account was unexpectedly closed without prior warning or a clear explanation. I attempted to appeal the account closure and requested additional information regarding the reason for the decision, but I was not provided with a detailed response. It does not appear that a thorough investigation was conducted into either the unauthorized activity or my appeal. This situation has caused financial inconvenience and concern, especially given that I had maintained the account for a significant period of time prior to this incident. I made multiple attempts to resolve the issue and obtain clarification but was unable to receive assistance from a live representative. I am requesting a clear explanation for the account closure, confirmation that a proper investigation was conducted, and assistance with restoring access to my account or ensuring appropriate handling of any associated funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX my Bank of America account have been closed due to suspicious of fraud. I was unaware of the harm it would have caused. I am a great young man, I haven't been in any legal troubles. I've been working staying out trouble and I've been very disappointed Im not able to open any accounts. Im currently trying to get a new job and I came across this page to help resolve my problem I've been working since XXXX after I graduated XXXX. Before this incident if you're allowed to view my Bank of America reports you would see my account never been in debt, no suspicions of any sort. since then I switched my direct deposit and no suspicious of any sort will be found. I would like a second chance because of what I was unaware of caused me to be viewed a way I am not in the eyes of banking.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Ive had a card with you. It ends in XXXX my goodness for so many years and for so many years I was a very good customer. I always paid my bill never lagged behind never maxed out my credit card until XXXX day I lost my bag. I lost my phone my ID everything and the card was used without my permission. It took us a minute to realize you know which card were lost and which ones we still had but once we did, we notified the bank plane we didnt have her phone and this is why we were calling from a different number and at all of that stuff we were told dont worry theres no fraud liability. You reassured us that we would not be liable for the fraudulent transaction but years later, we are still fighting you on this and I have news for you. If it takes years more, we will continue to fight you on this for the life of me. I dont understand why youre not honoring your XXXX fraud liability advertisement you claimed theres no liability if someone else uses the card if its fraud, you havent told me any proof I mean, I didnt sign anything. My authorized user didnt sign anything. We didnt get permission to anybody to sign anything we didnt benefit from any of these transactions and anyway theres no video footage of us at any of these locations which are many so youre not gon na be able to find any proof that way we were not at any of these locations that these cards so how is that if we were not there we did not use the card. We didnt get permission for anyone to use the card and we didnt benefit in anyway at all, not even a little bit. Why are you wanting us to pay the card answer that question? Why do you think that were reliable, give us some real solid proof you know if you think you know something that I dont know did not have a right to defend myself. I mean, I for the life for me for years now dont have a clue what you could possibly think you know after everything I just told you, but if theres XXXX little thing, a question marked that causing all of this, why dont you give us a chance to explain most of the time all you do is send me form letters. You dont give any explanation. Youre a big bank. I mean, lets go to court and lets resolve this. Lets stop harassing me if you think youre in the right and that you are so certain that I owe this money then lets go to court, and I will happily go in front of a judge and explain my case, but you dont seem to want to do that because it seems like you have something to hide or you have no proof and youre just helping Ill give up and start paying im never gon na give you any money. This was all fraud. We can keep doing this till the end of time forgiveness necessary, but a human being take over somebody with some

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
First thing I got offer for Capital One XXXX XXXX card, then I decided to apply. I got email about submitting identity documents such as Drivers license front and back. I did and then I got approved, Card was shipped and a day before arrival I got email again to submit drivers license plus selfie, I did again on the phone with fraud specialist, She approved and activated my card for XXXX limit, I spend little bit and logged in few days ago I noticed the account is restricted, I called them they asked my bank statements plus address verification plus drivers license front and back again. I did I send them again but how many times they doing verificationXXXX XXXX times I send my Id XXXX times I send address verification, what a XXXX is going onXXXX CFPB please push them to reopen my account I feel discriminated.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I terminated my in insurance policy with XXXX XX/XX/year>, at the same time i restarted my policy with XXXX. XXXX continued to bill me even though I cancelled my policy. I was covered with XXXX during that time period. Now XXXX has sent that balance due to a collection agency called credit collection services ( ccs ). I reached out to XXXX and they verified that I stopped my account with them on XX/XX/year> and they contiuned to bill me through XX/XX/year>, during that time I was covered by XXXX. I reached out to credit collection services and asked them to stop texiting me, but the texts continue to come through. they are doing a false reporting. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
Funds were transferred from coinbase to crypto vault and used to trade crypto and were taken from me by refusing to release funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
They stated there was fraud. Froze all my funds for over 90 days I am XXXX XXXX. I was XXXX and my family had nothing. Then after 20 years just closed my account and randomly sent me some checks over 180 days later

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am filing this complaint regarding XXXX refusal to release funds remaining in my account after it was permanently deactivated. My XXXX account was closed by XXXX in XXXX XXXXAt the time of closure, there was a remaining balance of {$910.00} in my XXXX account. In XX/XX/year>, prior to the closure, I was explicitly informed by a XXXX account XXXX that my account status had been temporarily adjusted to allow me to transfer my remaining funds to a bank account. I attempted to complete this transfer during that window ; however, the transaction failed and the funds were not successfully transferred. After this failed transfer attempt, XXXX did not provide any alternative method for me to access my funds ( such as re-enabling withdrawal access or issuing a check ). Instead, I was later informed that my funds would be held for up to 180 days, and my case was closed without resolution. I believe this is unfair and unreasonable because : - I made a good-faith attempt to withdraw my funds when access was granted - The transfer failure was not resolved by XXXX - No alternative payout method has been provided - My funds are being held without a clear resolution despite my attempts to retrieve them I am willing to provide any additional verification or documentation required to facilitate the release of my funds as its been about XXXX months of waiting already. I respectfully request that this matter be reviewed and resolved promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: PA

Complaint narrative:
I bank with Chime I was charged XXXX dollars for concert tickets I never received a refund after the show got canceled. I sent all documentation to XXXX to get a refund and they continue to give me various reasons I have not gotten a refund yet I have called multiple times to try to fix the problem and just read from script

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year>, i was charged {$910.00} by a company called XXXX XXXX. I never heard of this company and knew it was a fraudulent charge. I called Chime Financial the next afternoon. I disputed the charge. But because it was done on my " Credit Builder '' account number, I was not eligible for a provisional credit. I reached out to XXXX XXXX, and they could not confirm where the Item was shipped to for privacy reasons. I have called Chime Financial a couple of more times trying to get a provisional credit as this was not my fault. I never ordered this item. Chime Financial said it could take up to 2 months ( XX/XX/XXXX ) to get my money back. This is crazy. So now I'm the victim of XXXX XXXX and Chime Financial. All I want is the money back that was stolen from me due to identity theft. It's been 2 weeks and their dispute status on the Chime Financial app hasn't changed. The amount is almost half of my paycheck and I need it ASAP. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
In XX/XX/year>2026, CitiCards closed XXXX of my personal credit cards that I had with them for nearly XX/XX/XXXX years. Neither card was delinquent and always paid on time. In fact XXXX card was never used but I paid the annual fee to keep the account open. I contacted CitiCards to determine the reason for the closure and their customer service could not understand why the accounts were spontaneously closed. I requested a specific reason, and I was told that I would have a letter sent to me and a letter posted online but it is now nearly XX/XX/XXXX months since this occurred and as of today, I have received no such letter of explanation. This resulted in a significant decrease in my credit score secondary to my credit history duration being reduced by these abrupt, unexplained, and meritless closures.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
In XXXX of this year, my Cash App account was broken into by a malicious actor. They changed my phone number, and email associated with the account, and to this day I do not have access to that account. I did not click on any strange emails or anything. After months of waiting, their report found that " the activity you reported was unauthorized ''. And their " solution '' was to credit {$790.00} to that account. So they gave more money to the hacker. Another month has gone by with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have tried to work with capital one over and over again with no avail, but like theyve made up their mind and theyre not willing to change their mind theyre not willing to answer any questions that cant explain their actions. I have a card with them ending in XXXX that is full of fragile transaction and I have reported them as soon as I realized what it happened. Transactions were all relatively small most of them over a period of time I didnt notice it at first, but when I did, I noticed it I told them about it. They say they found no signs of fraud. I dont know how thats possible and they refuse to explain to me how its possible I wasnt in any of the locations that the card was used at. I didnt sign anything. Theres no camera footage of me. I didnt give permission for anybody else to use the card nobody myself or my husband benefited in any way from the contracts on the card I mean Ive told them that and I guarantee you theyll read this and they wont respond. Theyll just say that we found no transactions. We did an investigation. What exactly is involved in your investigation if I wasnt at any of these locations then how did the card get used if I didnt give the card and we werent there how did the card get used? Why do you refuse to answer? Do you think because youre a big bank you can just take advantage of me that I wont fight back Im never gon na pay you for this. We can go to court, but you wont go there either. You just keep harassing me over and over again eventually Im sure youre gon na sell it to collections which will be a whole new starting over explaining to them what has happened its like theres one person than one human being. Thats actually working in the office and theyve already made up their mind and theyve hit denied cause I guarantee youll respond and itll be a relatively short amount of time and youll send some form letter. Theres no name just the form letter. Where are the humans or as a computer is completely taken over capital one he should be ashamed at the way youre behaving its not OK to take advantage of people who work hard for their money you claim you have a zero fraud liability. This is a legitimate question answer it. Why dont you honoring your zero fraud liability that you advertise? Thats a legitimate question answer it dont just ignore it. Actually answer that question. Explain yourself stop sending form letters. This is never gon na go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I noticed several charges on my account from last month holding about {$130.00}. I reached out to the company, XXXX, they did a very quick investigation and stated that because I had deposited money recently to that account. I was the one that made those charges. I was not the person who made those charges nor do I have any knowledge of these websites. Money is constantly being deposited into this account from my XXXX side job. I dont always have a XXXX balance I dont add money to use it. I find it incredibly disingenuous that they took this action, and further one of the disputes is still open with no activity on it meaning they forgot to close that one out or something of the lake. I want them to do an investigation find out who these companies are that have charged my account and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: AZ

Complaint narrative:
Funds not accessible for XXXX due to verification problems within their system. Sent proper verification to XXXX XXXX multiple times only to get no further assistance. Birth certificate and social security card sent on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX. Multiple calls made to customer service reps and was told to wait for a response email that never comes. Asked for transfer of funds to new bank account with chase or for them to issue the funds back to social security only to get the response for me to wait for an email that never comes. {$900.00} for XXXX ssi benefits are left in the hands of XXXX XXXX as I sit and starve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding a misrepresented credit card promotion and failure to honor a committed offer. At the time of opening my account at a Chase branch in XXXX XXXX, I was explicitly offered an in-branch exclusive promotion of 5 % cashback on gas and grocery purchases if I applied for the Chase Freedom XXXX credit card. This promotional offer was the primary reason I applied for the card, which resulted in a hard inquiry on my credit report. After receiving the card and completing transactions, I discovered that my purchases were only earning the standard 1.5 % cashback instead of the promised 5 %. I reported this issue multiple times to both the branch and customer service. The branch representative confirmed via email that I did not receive the in-branch exclusive offer and advised me to call customer service to create an escalated case. Despite opening cases and repeated follow-ups over more than XXXX months, the issue remains unresolved. I have received conflicting information between the branch and customer service, and no corrective action has been taken. Due to not receiving the promised cashback, I stopped using the credit card, resulting in a loss of expected rewards and financial benefit. Additionally, I relied on the promotional terms when making my decision to apply for the card. This situation reflects misrepresentation of product terms at the time of account opening and failure to honor a committed promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: NY

Complaint narrative:
Issue : Incorrect information on credit report Company : I.C. System, Inc. Complaint : I am filing a complaint against I.C. System, Inc. for reporting a collection account that is invalid and has been formally disputed. The account relates to XXXX XXXX XXXX in the amount of {$1100.00}. This account was officially closed with a zero balance on XX/XX/XXXX, and I have written confirmation from the companys CEO. On XX/XX/XXXX, I sent a certified dispute letter to I.C. System, which they received on XX/XX/XXXX. I provided detailed documentation showing the debt is invalid and gave a deadline of XX/XX/XXXX, to remove the account. Despite this, I.C. System failed to conduct a reasonable investigation and continues to report the account as of XX/XX/XXXX. This conduct violates the Fair Credit Reporting Act, specifically the requirement to conduct a reasonable investigation after receiving notice of a dispute, and the Fair Debt Collection Practices Act for reporting misleading and inaccurate information. This continued reporting has damaged my credit score and financial standing.

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