vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had an account with chime. I was using the credit builder checking account. The account was closed and no money was returned and no reason for the closure was given. When I spoke to chime they refused to give me a reason and would not let me escalate it to someone who could give me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a collection account that is currently being reported on my credit report. Collection Agency / Creditor Name : LVNV Funding LLC Date Opened : XX/XX/year> Current Balance Reported : {$770.00} Account Status : Open Responsibility : Individual This account is being reported as Placed for collection and continues to show an open balance of {$770.00}. I am requesting a full investigation and validation of this debt. Please require LVNV Funding LLC to provide complete documentation proving : That this debt belongs to me The original creditor information A breakdown of how the {$770.00} balance was calculated Proof that LVNV Funding LLC has the legal right to collect and report this account If this account can not be properly validated with accurate documentation, I am requesting that it be removed from my credit report immediately. The continued reporting of this account is negatively affecting my credit profile and financial well-being. Thank you for your assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XXXX XXXX, robinhood restricted my trade account for no reason. I can only sell my stocks and cant withdraw or buy any stocks at that time. Later they closed my account close to beginning of XXXX. They sent me a message stating that they will refund my money to where it came from which is back to my bank account. I waited for almost XXXX months now, they refunded partial of my money in the end of XXXX. They are still obtaining my money in that closed account not refunded to me. I messaged them many times and no one responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Upstart Holdings, Inc.
State: DC

Complaint narrative:
XX/XX/XXXX I contacted Upstart Crb and requested the send my title/ lien information to the XXXX XXXX XXXX XXXX XXXX I provided them with the address and phone number. They said they would process on XX/XX/XXXX at their processing center and they were to email me a tracking number so I can know when the XXXX received my documents. I never received it and when I called they gave me a tracking number where the documents were mailed to XXXX and I'm in XXXX XXXXXXXX I moved to XXXX XXXX XXXX XXXX XXXX is requesting there tags back because I no longer live in XXXX I have untill the XXXX before I have to send the tags back and have no license plate for my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was XXXX Those were transactions made that wasn't me that I want them to dispute and that they claimed the put the money on my account but isn't true and the claim is still in process I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/year>, I deposited a check in the amount of {$35000.00} using Bank of Americas mobile deposit feature. At the time of deposit, the Bank of America mobile app clearly showed that the funds would be available by XX/XX/year>. However, when I logged into my account on XX/XX/year>, I discovered that the funds availability date had been unilaterally extended to XX/XX/year>, without prior notice or my consent. This unexpected delay created a serious financial problem for me because I had scheduled important bill payments based on the original availability date of XX/XX/XXXX. The extended hold will cause me to incur late payment fees and interest charges. On the same day ( XX/XX/XXXX ), I immediately contacted Bank of America customer service and requested that the mobile deposit be canceled/stopped, so that I could deposit the check into my XXXX account instead. This check is a credit balance refund issued by XXXX, and depositing it at the issuing bank would have allowed the funds to clear much faster. Bank of America refused to stop or reverse the mobile deposit, leaving me with no way to access my funds sooner and no ability to deposit the check elsewhere. I was forced to accept the extended hold despite the significant change from the original disclosed availability date. I believe this is unfair and harmful to consumers for the following reasons : The bank provided an initial funds availability date and then extended it several days later. I was not given a meaningful opportunity to cancel the transaction after the terms changed. The extended hold directly caused avoidable financial damages ( late fees and interest ).

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: WA

Complaint narrative:
" I demand the immediate and permanent deletion of this account from my credit report. I was medically incapacitated in a coma for several months following a severe motor vehicle accident ( XXXX ), making it physically and legally impossible for me to receive, review, or respond to any collection notices or validation attempts. Any claim that a 'fair resolution ' was attempted is false, as I was unconscious and unable to defend my rights. I am now formally disputing the accuracy and validity of this debt. Reporting this unverified information while I was incapacitated is a violation of my rights, and it is causing severe damage to my credit and financial recovery. " I suffered a severe XXXX XXXX XXXX in XX/XX/year> ( Page XXXX ) and remain XXXX XXXX XXXX XXXX The record explicitly states that I require XXXX care and that a caregiver must manage my finances ( Page XXXX ). Because I have been, and remain, legally and physically unable to manage my financial affairs or respond to notices, any 'resolution ' claimed by the creditor is invalid. Reporting this debt while I am in this condition is a violation of my rights, and I request total deletion. ''

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Firstsource Business Process Services, LLC
State: OR

Complaint narrative:
XX/XX/year> the company Firsr source advantage called me, as well as other dates in the past, Pretending to be my father and brother, using their first names as their caller ID so when they called me, I assumed it was my brother and my father. They abused my information in order to trick me into picking up the phone, thinking it was them. I feel violated as they have my personal information and family information and used their first names as caller ID. That is deceptive ab disgusting to do that. This is invasive and this should be illegal! They did this in the past a few months ago using my other brothers name and his wife. I would like to press charges! This is the number that First source advantage used XXXX They spelt my brothers name wrong and I also do not talk to my father so I knew something was scammy. How can a company operate like this?? A deceptive tactic using my personal information to trick me into thinking it was a family member so I would pick up. XXXX is my brother and his name is spelt XXXX so I knew it was a scam. My fathers name is XXXX and you can see that their caller Id has their number and XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: NY

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute for a {$78.00} transaction with XXXX XXXX. Transaction details : - Merchant : XXXX XXXX - Amount : {$78.00} - Payment method : Cash App balance ( funded through my linked debit card ) - Transaction date : XX/XX/year> I placed an order with Fashion XXXX, but I never received the merchandise. According to XXXX tracking ( Tracking XXXX XXXX XXXXXXXX ), the package was returned to the sender and was never delivered to my address. Because the merchandise was not delivered, I filed a dispute with Cash App for merchandise not received on Friday XX/XX/XXXX, after attempting to reach out to both XXXX and XXXX XXXX. Despite the carrier tracking clearly showing the package was returned to the sender, Cash App denied my dispute. I have requested a reconsideration, but the issue has not been properly resolved. I also attempted to resolve this issue with the merchant, but I have not received a refund or replacement. Since the merchandise was never delivered and the return was due to the merchants shipping carrier, I should not be held financially responsible for this transaction. Store credit from the merchant is not an acceptable resolution because I did not receive the goods. I am requesting that Cash App reopen and properly investigate this dispute, review the XXXX tracking showing the return to sender, and issue a full refund of {$78.00} to my Cash App account. I am seeking reimbursement for merchandise not received and a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/year>, I paid {$570.00} via my Chime debit card for a XXXX grocery order. The order was never delivered. I reported this transaction error to Chime immediately. It has been XXXX days since the order and XXXX days since my initial report to Chime. Under Federal Regulation XXXX ( XXXX CFR XXXX ), Chime is required to provide provisional credit within XXXX business days if their investigation is not complete. They have failed to provide this credit or resolve the dispute. I have provided XXXX FTC Fraud Report XXXX XXXXXXXX to document the non-delivery. As a XXXX household currently relocating, this illegal withholding of funds is causing extreme financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cashapp ( block , inc ) due to inadequate customer service and unfair practices which violates the Consumer Financial Protection Act ( CFPA ) specifically Cashapp 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 didnt comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulations.These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding the continued reporting of a collection account by National Credit Adjusters ( the original creditor, XXXX XXXX ). The reported date of first delinquency is XX/XX/year>. Under Texas law, the statute of limitations for most consumer debt is XXXX years, which has expired. Despite this, the account continues to be reported without providing proper validation documentation showing a signed contract, itemized accounting, and proof of assignment with legal authority to collect. I am requesting full validation and verification of legal collectability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: USCB Corporation
State: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a collection account that is currently being reported on my credit report. Collection Agency / Creditor Name : USCB Corporation Account Opened : XX/XX/year> Current Balance Reported : {$1000.00} Account Status : Open Responsibility : Individual This account is listed as Placed for collection and shows Account information disputed by consumer. However, the account continues to report as open with a balance of {$1000.00}. I am requesting a full investigation of this account. I need proper validation of this debt, including documentation proving that this debt is mine, that the amount is accurate, and that USCB Corporation has the legal right to collect and report this account. If this account can not be fully verified with complete and accurate documentation, I am requesting that it be removed from my credit report immediately. The continued reporting of this disputed collection is negatively impacting my credit and financial stability. Please assist me in resolving this matter as soon as possible. Sincerely, XXXX XXXX

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Fresh Start Funding, LLC
State: FL

Complaint narrative:
XXXX. FAILURE OF UNDERLYING SERVICES : XXXX XXXX, XXXX has failed to successfully cancel my XXXX XXXX despite my cooperation and significant payments over the past several months. The core service for which this financing was obtained has not been delivered. XXXX. DECEPTIVE BUSINESS PRACTICES : I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) naming both XXXX XXXX XXXX and XXXX, citing the financing structure as facilitating an unfair and deceptive arrangement. When a financing company is the exclusive partner of a service provider that fails to deliver, the financing obligation should not survive independently of the failed service.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC keeps my funds pending for XXXX long every time I have funds available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Date : XX/XX/year> To : XXXX XXXX Department PayPal , Inc . Re : FINAL FORMAL DEMAND FOR REIMBURSEMENT {$3900.00} This correspondence serves as my final formal demand regarding {$3900.00} in fraud-induced cryptocurrency transactions processed through my PayPal account XXXX TIMELINE OF EVENTS XX/XX/year> I was targeted in an employment scam involving criminal impersonation of XXXX. XX/XX/year> A total of {$3900.00} was transferred from my linked debit/bank account into PayPal and used to purchase cryptocurrency under fraudulent pretenses. XX/XX/year> Within XXXX hours, I reported the fraud to PayPal. XX/XX/year> I filed a police report. XX/XX/year> I filed a report with the Federal Trade Commission. XX/XX/year> I notified my bank. These transactions were not voluntary investments or speculative crypto purchases. They were induced through material misrepresentation and criminal deception. Authorization obtained through fraud is not valid consent. Despite immediate reporting and supporting documentation, PayPal denied my claim solely on the basis that my login credentials were used. This improperly categorizes the matter as an unauthorized access case rather than fraud by impersonation. ADDITIONAL HARM As a direct result of these scam-induced transactions, my PayPal account balance became negative, creating additional financial harm beyond the original loss. I should not be held responsible for a negative balance caused entirely by criminal activity that I reported within XXXX day. FORMAL DEMANDS I am formally demanding : XXXX. Full reimbursement of {$3900.00} XXXX. Immediate removal of any negative balance related to this matter XXXX. Written explanation of the investigative findings XXXX. Copies of documentation relied upon in denying my claim If PayPal maintains its denial, please consider this letter my formal Notice of Intent to Initiate Arbitration pursuant to the PayPal User Agreement. I am prepared to proceed with binding arbitration and pursue all available remedies, including recovery of filing fees and associated costs. While my primary demand is full reimbursement, I am willing to review a reasonable good-faith settlement offer to resolve this matter without arbitration. However, partial reimbursement is not my preferred resolution. Please respond within XXXX ( XXXX ) business days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXXHere is my situation, I was banking with Bank of America since XXXX and all of a sudden my account was closed in XXXX XXXX with a balance of XXXX. I have not received my money yet and whenever I call customer services or visit any branch they simply say we have no idea as to when would I receive my funds, however on XXXX occasions they told me we are not going to release funds without explanation.XXXXI XXXX see any fraudulent transaction, chargeback or any complaints on my account and neither I was a part of any scam at anytime, still without any notice or anything the account was closed. I have also not received any letter or any details as to why the account was closed and whats happening with my money, the have even refused to provide me any details.XXXXI would really appreciate if someone can look in to it.XXXXRegardsXXXXXXXX XXXX XXXX XXXX

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