vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 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: Security Credit Services, LLC
State: LA

Complaint narrative:
Please help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I referenced are not 100 % accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPTUM BANK, INC.
State: TX

Complaint narrative:
I have a XXXX account with XXXX. Since XXXX weeks I am trying to liquidate the assets and close the XXXX so that funds can be transffered to XXXX. XXXX has already send electronic request. XXXX confirmed they got the request. XXXX will not transfer funds, or close the account. Request to transfer all funds has been made multiple times but XXXX is not working on it. Random rejections or random answers. XXXX keeps cancelling transfers and then apologize for system errors. Feel free to publish this complain. Online forums like XXXX clearly shows ill-intentions by XXXX and lot of users are facing the same issue being held XXXX by XXXX. XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
I do hair so I take payment through cashapp and my cashapp was closed with {$1200.00} on there Ive added multiple cards and a bank account linked but there is still no way its letting me withdraw it off, Ive called multiple times and they can not help me with my problem. I need my money back thats highway robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
I have Cash App and I called Cash App multiple times with the recipient. My Cash App is XXXX XXXX and it was sent accidentally to my friends closed Cash App XXXX XXXX when she no longer has access to it. Cash App XXXX continually hung up, said they would help her regain access to her old account but she advised them she no longer has access and then said call back again because they can help with XXXX thing per call. We called like XXXX times and a XXXX said they would transfer the money that day to her correct Cash App account that's XXXX XXXX for the amount of XXXX but they never did and said it wouldn't work. We finally speak to XXXX who said he would escalate it and we recorded the call and said the money would be transferred as of that day and it wasn't so I had to send another XXXX dollars. Then I file a complaint and they said sorry next time check to make sure I have the right account. Called back again to check the escalation which XXXX said would override the XXXX dollars back and it's still under review case number XXXX. I called you guys and a lady said she did a complaint but I never got confirmation from you on case number XXXX and when I sign in there's no complaint that I see for Cash App. Cash App continues to give wrong information and say my case is closed when it's still under review with no resolution. They said it will just sit in the closed account with no refund. They also kept emailing me saying they were closing the case because they had not heard from me in XXXX days when the transaction was on XX/XX/XXXX and so is the complaint. It seems to be a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I have paid Mariner {$4200.00}! @ {$450.00} a month! I asked if I can lower the payments because Im having some hardship and was denied my reasons!! Mariner immediately said my {$4200.00} does not count towards my balance that it jumps back to its original amount of {$11000.00} I then okay {$4200.00} - {$11000.00} is {$7700.00}.!! Mariner said NO! Its back to its original amount!! I then said this is Unethical and Abusive! Please send a formal letter of a description speaking of these numbers as I feel Im being scammed!! I have not heard or received any letter from Mariner!! Giving detail of where my money went towards or too???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am writing to report an issue I have encountered with XXXX regarding unauthorized charges and the subsequent freezing of my account. 1. I noticed unauthorized charges on my XXXX account on XX/XX/XXXX XXXX. I disputed these charges on XX/XX/XXXX XXXX. Following my dispute, my account was frozen on [ match XXXX ]. 4. I submitted the required verification documents on [ XX/XX/XXXX ]. 5. I received an email on [ XX/XX/XXXX ] indicating that I violated XXXX XXXX terms. I am confused about the terms violation, as I was only trying to protect my account from unauthorized transactions. I believe this situation requires further investigation, as I acted in good faith. I hope for a resolution that reinstates my account and clarifies the alleged violation. Thank you for your attention to this matter. -- - Make sure to customize any specific details. If you need further assistance or have questions about the process, just let me know! To Whom It May Concern, I am writing to report an issue I have encountered with XXXX regarding unauthorized charges and the subsequent freezing of my account. 1. I noticed unauthorized charges on my XXXX account on [ insert date ]. 2. I disputed these charges on [ insert date ]. 3. Following my dispute, my account was frozen on [ insert date ]. 4. I submitted the required verification documents on [ insert date ]. 5. I received an email on [ insert date ] indicating that I violated XXXX XXXX terms. I am confused about the terms violation, as I was only trying to protect my account from unauthorized transactions. I believe this situation requires further investigation, as I acted in good faith. I hope for a resolution that reinstates my account and clarifies the alleged violation. Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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:
This debt does not belong to me, I have disputed with the company and it still remains on my report, causing me to be unable to get approved for lines of credit when there is no proof that I owe such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: TN

Complaint narrative:
I have no knowledge of this account. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was scammed I applied for an online loan and they said they wanted to deposit money in my account to make sure the wire transfer will work when they send me my money for the loan they did it a number of times the first time they had me send back the money to XXXX XXXX the second time didn't work so they had me go get a gift card to give them back the money they did this a number of times I have everything documented finally I told him I didn't want the loan anymore so without me knowing they deposited {$2000.00} in my savings account then try to cash it through XXXX XXXX it failed then they transferred the money into the checking the next day I going to text saying that the loan company was not legit and they were from Bank of America they called me then told me to go to XXXX and freeze the money then go directly to the bank. The guy told me he was from bank of America. His name showed up on XXXX XXXX also I went to the bank they froze my account they said the claim was denied because I worked with them and gave them my information I kept a record on everything they said the checks they deposit it was all fraudulent. I didn't know they were checks because I had no money in the bank XXXX and the money was instantly there. The bank told me they gave me courtesy credit. In the past when I deposited a check I'd have to wait three to four work days for the funds to clear. This time the money was immediately there I feel if the bank should of been on top of this by allowing it to process they probably would have caught this. They denied my claim. I am now responsible to pay this.

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 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I went to the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX to cash a {$17000.00} check drawn on a Fifth Third account belonging to my father. I am not a Fifth Third customer ; however, my family has a long history of cashing checks from this same account at Fifth Third branches with no fees ever charged. For example, my wife cashed a {$19000.00} Fifth Third check at the end of XX/XX/XXXX with no fee, and I have also cashed checks from this account in the past including an {$8000.00} check several months ago also with no fee. During my XX/XX/XXXX visit, the teller suddenly charged me an excessive and unexplained {$340.00} miscellaneous fee. When I questioned the fee, the teller was dismissive and rude, stating, Do you want to cash it or not, and insisting that the fee is what we charge. I asked her to confirm this with a manager, but no explanation or policy justification was provided. This fee is inconsistent with all prior transactions involving the same account, the same bank, and the same type of check. Despite a clear pattern of nofee transactions, I was unexpectedly charged {$340.00} for cashing this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year> Chase card services said a payment was not received. This has happened every year for the last XXXX years but is usually straitened out with a phone call. This year again they said they didn't receive a payment I called and they said they didn't get my check the post office was closed a week because of a snow storm. So I decided to make an online payment by the time the payment cleared the check also cleared so I made a double payment. But Chase decided to punish me anyway by reducing my credit max basically maxing out my credit card and turning me into the credit bureau. In response the credit Bureau lowered my credit score by over XXXX point from a XXXX to a XXXX even though I did absolutely nothing wrong. I'm in the process of taking out a home equity loan the pay off the credit card but instead of the XXXX % I should be getting it will be XXXX % because of the report by chase card services that did receive the payment and an extra payment but still penalized me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this formal complaint against Capital One for the unlawful withholding of {$10000.00} of my funds. On XX/XX/year>, I mistakenly issued a bill payment for {$10000.00} to my Capital One account ( ending in XXXX ) via my bank 's bill pay system. This payment was intended for another vendor. Chronology of Failed Compliance : XXXX of XX/XX/XXXX : I contacted XXXX XXXX immediately upon realizing the error. A XXXX told me that this balance can not be transferred to my capital one saving 's account, and falsely assured me a refund check would be issued and received within XXXX week. XX/XX/XXXX : After seeing no activity, I called again. A XXXX stated that a transfer to my saving 's account is not possible, and that also he could not issue a check for that amount of money and transferred me to a XXXX ( " XXXX '' ). XXXX held me on the phone for XXXX minutes, claiming she needed to verify the funds with my bank ( despite the payment having cleared XXXX days prior ). She also claimed that a transfer to my saving 's account is not possible ( I found out later that this is not the case ) and promised the refund would process within XXXX week and be mailed the following week. XX/XX/XXXX : The account still showed the full credit balance. I visited a physical Capital One branch. A XXXX connected me with a representative ( " XXXX '' ), who again promised the check would arrive in XXXX week. XX/XX/XXXX ( Today ) : My account still reflects the full credit balance of - {$10000.00} ( after payment of this card 's balance ). No refund has been processed. Legal Violation : Capital One is in direct violation of 12 CFR 1026.11 ( Regulation Z ). I first requested this refund the week of XX/XX/XXXX. Federal law requires the refund of a credit balance within XXXX ( XXXX ) business days of a request. It has now been over XXXX business days since my initial request and XXXX business days since the XXXX " XXXX '' supposedly initiated the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NC

Complaint narrative:
I woke up XXXX morning and my cashapp account was closed. XXXX explanation it gave was, I went against policy and I asked what policy. They told me I would find out within XXXX weeks! Well Im still waiting on that since XXXX of last year and they kept my money up there. I had 200.00

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a collection account that appears on my credit report which was never properly disclosed or validated prior to being reported. I do not recall receiving any written notification regarding this alleged debt before it appeared on my credit file. Account Information : Collection Agency : CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX Amount of : {$240.00} Date Reported : XX/XX/year> Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported on a consumers credit report. Additionally, under 15 U.S.C. 1681i, I have the right to dispute any information that I believe to be inaccurate or unverifiable, and the credit reporting agency must conduct a reasonable reinvestigation. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to provide written validation of a debt and proper notice of the alleged obligation. I have not received such validation or disclosure regarding this account. Therefore, I am requesting that your agency conduct a full investigation and provide verification of this account, including : A copy of the original signed contract or agreement bearing my signature Documentation proving I am legally obligated to pay this alleged debt A complete payment history from the original creditor Proof that the debt was legally assigned or transferred to the reporting collection agency Documentation showing that proper notification was sent to me prior to reporting the account If this information can not be provided and verified, the account must be deleted from my credit report in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) of the Fair Credit Reporting Act, which requires the removal of unverifiable information. Please complete your reinvestigation within the time frame required by law and provide written confirmation of the results. Thank you for your prompt attention to this matter. I look forward to confirmation that the disputed collection payment has been removed. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
I understand that you might be trying to collect a debt, but I believe there may have been a misunderstanding regarding my obligation. I would appreciate it if you could review my account and consider my request. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information that I believe is inaccurate. I kindly ask that you conduct a review and refrain from reporting this account on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint regarding Jefferson Capital Systems and an account they have reported on my credit report related to an alleged XXXX phone balance. I previously sent Jefferson Capital Systems a formal debt validation letter requesting verification of the alleged debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, the account continues to be reported on my credit report without proper validation or documentation proving that the debt is accurate and that Jefferson Capital has the legal authority to collect on it. To date, I have not received sufficient evidence such as a signed agreement, billing statements, or documentation showing that the debt was properly transferred to Jefferson Capital Systems. Continuing to report this account without proper validation is concerning and appears to be a violation of my consumer rights. Because my request for validation has not been properly addressed, I am requesting that this account be immediately investigated and removed from my credit report if Jefferson Capital Systems can not provide full and lawful verification of the debt. I am requesting a formal investigation into this matter and a written response regarding the outcome. Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
This debt does not belong to me, nor is there proof that it does. I have been having trouble getting approved for line of credit due to this fraudulent collections account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint because the collection account being reported by your company is inaccurate and has not been properly validated. I requested verification of this debt, including proof of the original contract, proof that the debt belongs to me, and documentation showing your legal right to collect it. This information has not been provided. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a company can not continue reporting a debt that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I do not owe this debt, nor do I know anything about this company. This fraudulent account is stopping me from opening lines of credit when it does not belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Overdraft fees, after depositing over a XXXX dollars into checking and the I transferred XXXX to savings account just to be told I had insufficient funds in my account. This is insane. I believe this is Retaliation and discrimination due to my many attempts to resolve this matter in house but now it's being investigated.

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 monetary relief