vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I added money to a cash app I own and a day later someone sent themselves XXXX I did not make that transaction I had to change my pin and everything and cash app keep saying it was a device in my possession but I tried to tell them my old phone was stolen and my account was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing a complaint regarding a denied dispute with Capital One related to a transaction with XXXX XXXX. Capital One denied my dispute solely based on the XXXX dispute window under XXXX guidelines XXXX However, this situation involves fraud and misrepresentation that was not reasonably identifiable within that timeframe. XXXX XXXX misrepresented the nature and outcomes of their services. The failure to deliver and the pattern of deceptive conduct only became apparent after the transaction was completed. Supporting evidence, including similar consumer experiences, reinforces that this is not an isolated incident. This is not a standard service dissatisfaction issue. It is a case of deceptive business practices. Despite this, Capital One declined to evaluate the dispute under fraud protections or billing error provisions and instead relied strictly on timing rules. I am requesting that Capital One : Reopen and review the dispute under fraud and misrepresentation considerations Apply applicable consumer protections beyond standard chargeback timeframes Provide a clear explanation of why fraud protections were not considered I am seeking a fair review based on the nature of the transaction, not just the timing. Transaction details : Processor - XXXX Billed on XX/XX/year> Amount : {$22000.00} Dispute case XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lendbuzz Inc.
State: FL

Complaint narrative:
I am filing this complaint against Lendbuzz Funding LLC for inaccurate, inconsistent, and insufficiently substantiated credit reporting. I disputed this account directly with Lendbuzz and through the credit bureaus. Despite those disputes, Lendbuzz continues furnishing harmful credit information that I specifically challenged. This account is reported with an original balance of {$26000.00}, a charged-off / written-off amount of {$27000.00}, and a current balance of {$24000.00}. The reporting also shows transaction entries of {$3500.00} on XX/XX/XXXX and {$1400.00} on XX/XX/XXXX. I dispute those entries as payments made by me and requested that Lendbuzz identify the exact source and nature of those transactions. I have not received a meaningful explanation of whether they were actual borrower payments, sale proceeds, insurance proceeds, credits, adjustments, or some other posting. The reporting is also inconsistent across bureaus. XXXX previously reflected a Date Closed of XX/XX/XXXX while also reporting a Last Payment Made date of XX/XX/XXXX on the same account. XXXX completed a reinvestigation and reported that Lendbuzz certified the information as accurate, but the item remained unchanged. XXXX also verified the account as reported and said fields such as Additional Information, High Credit, and Date of Major Delinquency were modified, yet the same suspicious XXXX reporting remained in place. I also received a separate Lendbuzz insurance-related letter dated XX/XX/XXXX sent to an old address, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX months after the vehicle had already been repossessed. That raises additional concern that Lendbuzzs internal systems, address records, and account records are outdated, unsynchronized, or otherwise unreliable. I requested a full accounting showing : XXXX how the original balance of {$26000.00} became a charge-off amount of {$27000.00} ; XXXX how the current reported balance of {$24000.00} was calculated ; XXXX what exactly the XX/XX/XXXX and XX/XX/XXXX transactions were ; and XXXX what records support the dates, balances, delinquency history, and post-charge-off reporting being furnished to the credit bureaus. I have not received a meaningful line-by-line accounting or documentation resolving these issues. I am requesting : XXXX a full accounting from origination through charge-off, repossession, sale if applicable, and any claimed deficiency balance ; XXXX identification of the exact source and nature of the XX/XX/XXXX and XX/XX/XXXX transactions ; XXXX correction or deletion of any inaccurate, incomplete, or unverifiable information being furnished regarding this account ; and XXXX written confirmation that any corrections are sent to all consumer reporting agencies receiving Lendbuzz data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card account was set up on autopay using a linked checking account that remained active and sufficiently funded at all relevant times. Autopay successfully processed in XX/XX/XXXX. In the immediately following billing cycle, XX/XX/XXXX, autopay was not processed despite no changes being made to my account or payment method. As a result, I was charged a late fee and interest. My linked bank account was never removed and remains on file, confirming that I did not disable or alter my payment method. I also did not receive proper or timely notification that autopay had failed. Because the payment was not processed, my account was incorrectly placed into delinquency status. Interest and fees continued to accumulate, and I was subjected to repeated collection activity. The account was eventually closed while the issue remained unresolved. Once I became aware of the issue, I made a payment in good faith to stabilize the account, despite the balance already being inflated due to the failure to process the scheduled payment. I contacted the company multiple times to resolve the issue. During those communications, I received inconsistent information and no clear explanation as to why autopay was not processed. In XXXX interaction, I was provided a temporary XXXX percent interest adjustment as a corrective measure. In a separate interaction, I was offered a settlement of approximately XXXX dollars on a balance exceeding XXXX dollars. This offer was made without a meaningful investigation into the underlying issue. These actions raise serious concerns about the accuracy of the balance and indicate that the account may not have been handled properly. I am requesting removal of all interest and fees, correction of any negative credit reporting, and a resolution of the remaining balance that reflects the failure to process the authorized payment.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am writing to formally dispute an account reported under my name with XXXX XXXX XXXX, which has since been transferred to a collection agency. I have no knowledge of this account and did not authorize its opening or use. I believe this account is the result of identity theft. I did not apply for, open, or use this credit card at any time. Additionally, I recently discovered that unauthorized payments may have been withdrawn from my bank account in connection with this account without my knowledge or consent. Upon noticing suspicious activity, I immediately secured my bank account by updating my banking information. I was unable to determine who may have used my identity ; however, I took appropriate steps to protect myself once I became aware of the issue. My personal information was also compromised during the XXXX data breach, which may have contributed to this fraudulent activity. This account is inaccurately being reported and is causing significant harm to my credit profile. Under the Fair Credit Reporting Act, I am requesting a full investigation of this matter. Please remove this account and any associated negative reporting from my credit file immediately. I am prepared to provide any additional documentation if needed, including an identity theft report and supporting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An employee who resigned was given her final pay check, a Wells Fargo company check for {$1300.00} which she rightfully cashed. Since her departure date was before our normal payroll, when pay roll was completed we mailed the final pay stub to her that had a duplicate pay check for {$1300.00} attached to the pay stub without my signature. Pay roll was done through our pay roll company XXXX. She was aware that it was a duplicate check and that it should not have been cashed. She held the check forXX/XX/XXXX months and Wells Fargo bank cleared the check even though it did not have my signature after she deposited it. The bank is refusing to take responsibility for clearing a check without my signature even after I sent them a signed affidavit they requested from me. Bank : Wells Fargo

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX, my mobile phone was stolen. At the time of the theft, my device had access to my Cash App account. At approximately XXXX on XX/XX/year>, the individual who stole my phone gained unauthorized access to my Cash App account. Without my knowledge or consent, they changed my account PIN/security credentials, which prevented me from accessing or securing my account. They also tried to gain access to my XXXX at the same time as well as my instagram account, chase ancount and use my XXXX card liked the my phone. Between XXXX and XXXX on XX/XX/XXXX, a series of unauthorized transactions were made from my Cash App account. These transactions were sent to individuals/accounts that I do not know and have never interacted with. The total amount sent was approximately {$2200.00}, across XXXX separate transactions. Examples of unauthorized transactions include : - {$1700.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$50.00} sent at [ XXXX ] - $ XXXX at [ XXXX ] - {$80.00} sent at [ XXXX ] - {$90.00} sent at [ XXXX ] - {$10.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] - {$25.00} sent at [ XXXX ] -all the transactions were to XXXX XXXX XXXX whos cashtag is $ ahxell I did not authorize any of these transactions, nor did I benefit from them in any way. At approximately XXXX on XX/XX/XXXX, I became aware of the unauthorized activity. I immediately attempted to access my account but was unable to do so due to the unauthorized changes made to my PIN/security settings. At XXXX on XX/XX/XXXX, I reported the incident to Cash App support and submitted a claim for unauthorized transactions. I provided all requested information and have since followed up multiple times. Despite providing detailed information and being willing to submit additional supporting evidence, my claims were denied. The responses I received did not address the specific facts of my case and appeared to be generic in nature, indicating that a proper investigation may not have been conducted. On XX/XX/XXXX, I also filed a police report regarding the theft of my phone and the resulting fraudulent activity. ( Case number is XXXX ) with the XXXX XXXX police department where the phone was stolen. These transactions were clearly the result of unauthorized access following the theft of my device. I took action as quickly as possible to report and resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
My primary banking account ( ending in XXXX ) with Ally Bank was subjected to an automated lockout. For XXXX days, I have attempted to contact them. Every call session had them tell my that my account was 'under review ' by an investigation department. They have never stated exactly when my account would be unlocked, despite my asking every day. I currently have over {$5000.00} in my account and wish to transfer it to my 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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
RE : Final Demand for Immediate Removal of Collection Account Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Collection Agency : LVNV Funding LLC Care of Resurgent Capital Services L.P XXXX. XXXX XXXX XXXX, SC XXXX Company added to credit report and keep validating without any explanation nor proof. This is not mine and should be removed from all credit agencies. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for what appears to be unlawful collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. I formally disputed the alleged debts and requested validation under 15 U.S.C. 1692g, which requires collectors to cease collection activity until proper verification is provided. However, these companies failed to supply sufficient documentation, such as a signed agreement, proof of ownership, chain of title, full account history, or legal authority to collect. Despite this, they continue collection efforts and/or report the accounts to credit bureaus without verifying their accuracy. This conduct may constitute violations of federal law, including false or misleading representations, unfair practices, and failure to properly investigate disputed information. Additionally, reporting unverified or inaccurate data may violate XXXX XXXX standards and expose these companies to liability. Overall, their actions suggest a pattern of noncompliance and improper handling of disputed debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: CA

Complaint narrative:
XXXX Rental Agreement XXXX XXXX Report # : XXXX ( XXXX ) On XX/XX/year>, I rented a car from XXXX in XXXX, Hawaii. The vehicle was legally parked with the engine off in a designated roadside parking spot. I was not in the car at the time. A XXXX XXXX bus ( XXXX ) collided with the parked rental car. Police responded to the scene and issued XXXX Report # XXXX ( XXXX XXXX A, handled by XXXX XXXX XXXX ). I received an official verification card clearly showing this report number. I immediately provided the police report number to XXXX multiple times ( by phone and email ) and asked them to pursue the at-fault party ( the city bus insurance ). XXXX claimed they could not find the information, never provided any response or proof that they contacted the third party, and continued to send me bills. They have now transferred the alleged debt of {$3100.00} to Summit A * R collection agency. This debt is not mine. The accident was 100 % the fault of the city bus hitting a stationary, legally parked vehicle. I have attached photos of the XXXX verification card and the scene. I have already tried to resolve this directly with XXXX without success. I dispute the entire debt and request that : 1. XXXX and Summit A * R immediately cease all collection activity. 2. They provide a copy of the full XXXX Police Report # XXXX. 3. They withdraw the invalid claim and remove any negative information from my credit report. 4. They explain why they ignored the police report number I provided multiple times. I have attached : - Photo of XXXX verification card ( Report # XXXX ) - Photos of the accident scene - Collection notices from Summit A * R

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Complaint Against TD Bank Nordstrom Credit Card Account Access Failure and Improper Fees I am filing a complaint regarding repeated inability to access my Nordstrom credit card account issued by TD Bank, which has directly resulted in late fees, interest charges, and negative credit reporting. Instance 1 ( XX/XX/XXXX Previously Resolved ) In XX/XX/XXXX, I was unable to access my account due to repeated incorrect login information errors despite using valid credentials. I attempted multiple times to reset my password using links provided by customer support ; however, those links were expired upon receipt. Despite multiple follow-up emails requesting a valid reset link, I was repeatedly instructed to call customer support instead of being provided a working solution. My attempts to reach support by phone were unsuccessful due to excessive hold times. As a result of being unable to access my account or verify my balance, I was charged late fees and interest. After escalation, TD Bank acknowledged the issue and removed these charges. Instance 2 ( XXXX XXXX Current Issue ) The same issue has occurred again. I made a purchase using the same credit card and was still unable to access my account to verify the balance or make a payment. I also attempted to make a payment in-store at the time of purchase ; however, I received no confirmation, and no record of this payment appears in my bank statements. I only became aware of the outstanding balance after being informed it was negatively impacting my credit. On XX/XX/XXXX at approximately XXXX XXXX CST, I contacted TD Bank customer support to resolve this issue. I offered to pay the full balance excluding fees and interest as a good-faith resolution. The representative refused to remove the charges, citing a policy that fee reversals are limited to once per 12 months. I requested escalation and was told that no one within the organization could override this decision. Key Issue : This is not a standard late payment situation. I was repeatedly unable to access my account, which prevented me from verifying my balance or making timely payments. TD Bank has already acknowledged this issue once but failed to resolve the underlying access problem, resulting in repeated financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: NJ

Complaint narrative:
I am filing this complaint regarding an alleged Klarna account balance of approximately {$210.00} connected to an XXXX transaction dated XX/XX/XXXX. This transaction was not authorized by me and does not belong to me. I disputed this charge and requested full validation, including proof of authorization, transaction verification, and any documentation showing I agreed to or am legally responsible for this purchase. Klarna failed to provide any such documentation. I was directed to contact XXXX, and XXXX was unable to locate any record confirming that I made or authorized this purchase. This directly contradicts Klarnas claim that the transaction is valid. Despite the lack of evidence, Klarna determined internally that the charge was authorized and reactivated the balance for collection. This occurred after the matter had previously been sent to a collection agency and dismissed based on lack of substantiation. I formally invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), requested validation, and instructed that communication cease. Despite this, the account was reactivated and collection efforts continued without proper validation. Klarna has not provided proof of authorization, proof of identity linkage, or any legally sufficient documentation demonstrating that I am responsible for this debt. I believe this constitutes an attempt to collect a debt not owed and failure to properly validate a disputed debt. I am requesting regulatory review and enforcement to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I no longer have a account with Capitol One, and XXXX XXXX but they will not stop. I keep getting unlimited email offers and marketing and mailing, and I'm not interested in opening up a account with them. They are also sending Marketing to other members of my home and they have opted out, but they are refusing. It's stressing me out and i want this to stop immediately.

Company response to consumer: Closed with explanation