vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: OR

Complaint narrative:
Ive used abound remittance app to transfer my money from XXXX bank to XXXX account, I had initiated the transaction on XXXX XX/XX/year> and as per abound app it was completed on XXXX XX/XX/year>. Although I have not yet received that amount in my XXXX account yet. Ive raised this issue with Abound, followed up several number of times, it has been more than 30 days now Ive got no resolution whatsoever. Earlier when reached out to them, they mentioned that money is transferred to my account. After I denied it they requested for a bank statement, I provided my destination XXXX bank statement to them, since then they have been mentioning to me that they have further escalated this issue with their banking partner, they kept on informing me that I should get updates in XXXX business days or XXXX business days, it has been more than XXXX days after I complained, it has been close to XXXX days since I initiated the transaction but they have provider no resolution or no fruitful update on this matter yet. They have wasting my time. The transfer amount is not small by any means, it is almost XXXXXXXX XXXX which Ive transferred to my XXXX account as I had to manage expenses back in XXXX. I had to make alternative arrangements to manage that since money is yet not delivered to my account in XXXX. Requesting you to please intervene in this matter and help me resolve it asap. Nowadays Abound support team has stopped responding to me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Bank of America regarding the closure of my accounts after I reported that I was a victim of identity theft. I notified these institutions that I had been the victim of identity theft and that certain accounts and/or transactions were unauthorized. I took appropriate steps to report the fraud, including disputing the accounts and requesting investigations. Despite my proactive efforts and cooperation, my accounts were subsequently closed by these institutions. I find this action deeply concerning and unfair. Instead of assisting me as a victim of identity theft, these institutions took adverse actions that have negatively impacted my financial standing and access to banking services. I believe this reflects a failure to properly investigate my claims and to provide the protections afforded to consumers under applicable laws, including the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection regulations. As a result of these closures, I have experienced significant hardship, including difficulty managing my finances and potential damage to my reputation as a consumer. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the following : XXXX. A full and fair investigation into my identity theft claims by each institution. XXXX. Written explanations for the account closures. XXXX. Correction of any negative reporting related to these incidents. XXXX. Restoration of my accounts, if appropriate, or assistance in mitigating the harm caused. I have acted in good faith throughout this process and expected these institutions to support me as a victim of fraud, not penalize me. Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.

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 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I was contacted by Credit Control , LLC regarding an alleged T-Mobile debt in the amount of approximately {$890.00}. At that same time, another collection agency, XXXX XXXX XXXX, was also actively reporting and attempting to collect on the same alleged XXXX debt on my credit report. This means that XXXX separate companies were attempting to collect the same debt simultaneously, which raises serious concerns regarding the validity of the account and whether Credit Control , LLC had the proper authority to collect. After XXXX Capitals tradeline was removed from my credit report, Credit Control , LLC subsequently reported a new collection account inXX/XX/XXXX for the same alleged debt. Credit Control , LLC has not provided any documentation demonstrating that I owe them this debt or that they have the legal authority to collect it. I have not been provided with any contract, account history, or documentation showing a valid transfer of ownership from the original creditor. Due to the conflicting collection activity and lack of validation, I dispute that this debt is owed to Credit Control , LLC and request that they provide full documentation establishing their authority to collect. If they are unable to do so, this account should be removed 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 explanation
Consumer complaint received 2026-03-29 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: FL

Complaint narrative:
On or around XX/XX/year>, a transfer in the amount of {$1600.00} was added to my Cash App balance from a XXXX XXXX XXXX debit card. The transfer was initially completed successfully, and the funds were used to pay a bail bondsman on behalf of the account holder, with their permission. At a later date, the transaction was disputed through the originating bank, which caused Cash App to reverse the funds and place my account at a negative balance of {$1600.00}. Beginning shortly after the reversal, I contacted Cash App support multiple times to understand the reason for the reversal and how to resolve the negative balance. I specifically requested the XXXX return reason code or, at minimum, whether the return was classified as unauthorized/fraud or due to another reason. I also asked what documentation would be required to address the issue. Cash App repeatedly provided generic responses, did not answer my specific questions, and closed my case multiple times without resolution. I was directed to contact XXXX XXXX XXXX for more information, but I am not the account holder and was unable to obtain any details from the bank. After continued follow-up, Cash App eventually stated that the reversal was due to a dispute initiated through the bank and that they could not challenge it. However, they still did not clearly provide the classification of the dispute or meaningful guidance on how to resolve the situation. As a result, I am being held financially responsible for a {$1600.00} negative balance while being denied the information necessary to understand the nature of the dispute and determine what steps I can take to resolve it. I am requesting that Cash App provide clear confirmation of the classification of the dispute and guidance on what options are available to resolve the negative balance on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: ND

Complaint narrative:
On XX/XX/XXXX, I chatted with Transunion and discovered the dates provided them from a collection agency. The collections were for XXXX. This is an old internet/cable account when I lived in XXXX XXXX XXXX The account was closed years ago. XXXX was turned in and the account was settled. Apparently, XXXX has sold their inaccurate account information to IC Systems Collections in Minnesota. IC Systems Collections then reported that the account was opened on XX/XX/XXXX. I have opened NO account with IC Systems Collections and believe this is a false and fraudulent claim on that company 's part. XXXX DOES NOT serve the area in which I live. To continue changing previous account dates is a violation of the Fair Credit Reporting Act. I filed a dispute through Transunion and was denied action to remove this false information.

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 2026-03-29 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: Chime Financial Inc
State: TX

Complaint narrative:
I experienced multiple unauthorized transactions on my account from zZounds totaling over {$1000.00} These charges occurred on XX/XX/XXXX and XX/XX/year>, in amounts of approximately {$200.00} each and were made within minutes of each other. Prior to these successful transactions, there were multiple declined attempts from the same merchant on XX/XX/XXXX and XX/XX/XXXX while my card was frozen. This indicates that my card information was being tested and then used fraudulently once the transactions were able to go through. I did not authorize any of these transactions, do not have an account with XXXX, and did not receive any goods or services. I contacted the merchant directly, and they confirmed that no account exists under my name or card information. I reported these transactions to my bank, Chime, and submitted supporting evidence including transaction screenshots, declined attempts, call logs, a signed fraud statement, and merchant communication. Despite this, my claim has been denied multiple times. Chime stated that their decision was based on device and login data, but they have not provided any specific proof such as IP address, device identification, or authorization records linking these transactions to me. I am requesting a full investigation, documentation of how these transactions were determined to be authorized, and reimbursement under Regulation E, as I am not liable for unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent a formal Debt Validation Request via Certified Mail ( Tracking XXXX XXXX ) to Tromberg, Miller, Morris & Partners regarding an alleged debt for XXXX XXXX XXXX. XXXX tracking confirms it was delivered on XXXX XXXX. Under 15 U.S.C. 1692g, the collector was required to cease collection activities, including credit reporting, until they mailed me validation. Instead of providing the requested 'Chain of XXXX ' and proof of authorization to collect in Florida XXXX the collector bypassed me and 'Verified " the account with the credit bureaus on XXXX XXXX This is a violation of the FDCPA. I am requesting that this unvalidated and inaccurately reported trade line be deleted from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting this follow-up complaint regarding prior CFPB case XXXX. In response to my previous complaint, the bank stated that my refund had already been issued. That statement is inaccurate. I have carefully reviewed my bank statements and account activity, and no refund has been received. Despite the banks claim, there is no corresponding deposit, credit, or posted transaction reflecting the alleged refund. At this point, the bank has not provided any traceable refund reference, such as a transaction ID, ARN, trace number, or any other verifiable proof showing that the refund was actually processed and delivered to my account. Because of that, I am requesting that the bank provide : The exact date the refund was allegedly processed The exact amount of the refund The destination account information used Any traceable transaction identifier ( ARN, trace ID, confirmation number, or equivalent ) Written proof that the funds were successfully transmitted and posted If the bank can not provide verifiable proof of the refund, then its prior response to CFPB was inaccurate and the matter remains unresolved. I respectfully request that this complaint be reviewed as a continuation of the unresolved issue from case XXXX, and that the bank be required to provide actual proof of payment rather than a general statement that a refund was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: GA

Complaint narrative:
This is the email I received from XXXX on XX/XX/XXXX. I apologize, as I have an open complaint but have been unable to follow up on it. On XXXX, XX/XX/XXXX at XXXX Square Account Services XXXX wrote : Hello XXXX, We recently reviewed your account and found activity that our platform is unable to support. Because of this, we are sorry to inform you that your XXXX account is now deactivated. What does this mean? You still have access to view your XXXX XXXX, but you will not be able to process new transactions using XXXX. Any funds currently in your account balance will be held for a period of XXXX days, and are due to be released to you within XXXX business days after XX/XX/XXXX. Please note that the release date and amount available for release are subject to change based on any additional activity, including chargebacks or bank returns that occur. If there are any chargebacks, they will be covered using the funds held in your XXXX account. If the held funds are not sufficient, your linked bank account may also be debited. If you have a payment that hasnt yet been deposited, please see our support article on issuing credit card refunds to your customer and accepting an alternative payment method. Customers who paid via bank transfer must initiate a return directly with their bank. Thank you for choosing XXXX. We understand that this decision may cause changes in how you run your business and did not make it lightly. For more information about our policies, please review the Square Payment Terms. We appreciate you considering XXXX for your processing needs. Sincerely, XXXX Account Services - As of XX/XX/XXXX, it has been 16 days past the date XXXX initially provided for releasing my funds. I have not received any meaningful updates, and recent responses contradict the information given in my existing complaint ( XXXX ). My account was deactivated in XXXX, and there has been no additional activity since that time that would justify further delays. Despite this, XXXX has not released my funds and has been unable to clearly explain the reason for extending the review period. I have also experienced multiple instances where calls with XXXX support were disconnected while I was simply requesting an update. I would like a clear explanation of what specific activity is still under review that requires an additional XXXX days. At this point, the lack of transparency is concerning and does not reflect acceptable business practices. While I understand and accept Squares decision to discontinue my access to the platform, I am requesting the release of my funds as previously indicated. The current situation feels misleading, as I have been led to believe my earnings would be returned, yet no progress has been made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I am filing this complaint against Synchrony Bank for a XXXX " systematic hold '' on verified funds and a failure to provide legally required notice of adverse action regarding my XXXX Store XXXX XXXX XXXX in XXXX ) and XXXX XXXX XXXXXXXX account ( ending in XXXX ) XXXX XX/XX/year>, a payment of {$450.00} was received and posted to my account. My XXXX XXXX statement confirms this transaction was processed on XX/XX/year>. Despite the bank admitting in a live chat ( Reference XXXX XXXXXXXX ) that the payment had " cleared and posted on our end '', Synchrony placed a " systematic hold '' on my available credit until XXXX XXXX a customer service inquiry on XX/XX/XXXX, I discovered for the XXXX time that my credit limit had been reduced from {$500.00} to {$390.00} on XX/XX/year>. No prior notice was received. This hold and unannounced reduction left my account with a negative available balance, preventing me from making over {$350.00} in purchases and resulting in a loss of {$18.00} in rewards. Due to these recurring errors and the severe personal distress caused, I have closed these accounts ( XXXX Reference XXXX XXXXXXXX and XXXX XXXX Reference XXXX XXXXXXXX ).

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 2026-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
Subject : Urgent Review Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting an urgent and formal review of my federal student loan account due to conflicting and potentially incorrect information provided by my loan servicer, Aidvantage. I graduated from chiropractic school in XX/XX/XXXX and have been in repayment, deferment, forbearance, and Income-Driven Repayment ( IDR ) plans for overXX/XX/XXXX years. I was transferred from XXXX to Aidvantage and placed into the SAVE repayment plan at the beginning of XXXX. At that time, I was informed that I was approximately 9 months away from qualifying for loan forgiveness under IDR. However, following the recent changes to the SAVE plan, I contacted Aidvantage to understand my repayment options. During that call, I was told that under an IDR planwith an annual income of approximately $ 40,000my monthly payment would be {$3000.00} per month forXX/XX/XXXX months. This information is extremely concerning and appears to be incorrect for the following reasons : Income-driven repayment plans are based on discretionary income, and a $ 3,000/month payment is not consistent with my income level. The proposed payment would exceed my financial capacity and is not aligned with federal IDR guidelines. The quoted amount well exceeds the current amount owed on my loans by almost double. I was previously informed that I was close to forgiveness, and this new information contradicts that status. I am formally requesting the following : A full review and confirmation of my IDR qualifying payment count, including application of the IDR account adjustment ( one-time recount ). Written confirmation of how close I am to IDR forgiveness, based on my full repayment history. Clarification of the repayment plan used to calculate the $ XXXX payment, and correction if it was not based on an appropriate IDR plan. Guidance on the correct repayment plan that preserves my progress toward forgiveness and reflects my current income accurately. I am deeply concerned that I may lose credit toward forgiveness due to servicing errors or miscommunication during this transition period. I respectfully request a written response and formal review of my account as soon as possible. Thank you for your attention to this urgent matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation