vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 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:
On XX/XX/XXXX, a transaction for {$77.00} was charged to my account by XXXX XXXX ( Ref ID : XXXX ). I had previously canceled this subscription on XX/XX/XXXX, and did not authorize this renewal. I filed a formal dispute with the company on XX/XX/XXXX. On XX/XX/XXXX, the dispute was denied. The companys own investigation report ( Ref ID : XXXX ) explicitly admits that the merchant " never responded '' to their inquiry during the investigation, yet they still sided with the merchant and ruled it an " authorized transaction ''. I provided conclusive photographic evidence that this constitutes " Services Not Rendered '' under Regulation E. My account settings show I was billed for an " XXXX XXXX XXXX '' membership, but my account dashboard simultaneously states : " Card disabled due to inactive XXXX membership. '' The merchant has collected the funds while refusing to provide the service. I filed an appeal on XX/XX/XXXX, and it was denied on the same day. The company claimed " no new information was provided, '' despite the evidence of service denial. This failure to conduct a reasonable investigation or issue a Provisional Credit by the XXXX business day is a violation of Regulation E ( 12 CFR 1005.11 ) and the XXXX CFPB Consent Order regarding the company 's dispute-handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/year> I had a XXXX XXXX and got XXXX at XXXX XXXX aka XXXX XXXX XXXX and the police showed up out of nowhere the day I had {$1000.00} Christmas bonus from the XXXX XXXX XXXXXXXX XXXX XXXXXXXX Earlier that morning I transferred the money from my XXXX prepaid card my band gave me. I got XXXX at like XXXX or XXXX am XX/XX/year>. I told her to give me my phone she said she couldn't find it which I knew she was lying and the police didn't let me go grab it they wanted to get me to XXXX asap.She stole my phone because she knew I had that money. I think she turned me into the police too so she set the whole situation up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I previously disputed this account and requested full debt validation and method of verification. The account was removed, but it has now been reinserted into my credit report without proper notice. Under the Fair Credit Reporting Act, any reinsertion of a previously deleted account requires notification within 5 days, including the source of verification. I did not receive any such notice. Additionally, the company failed to provide adequate validation of the debt despite my request. Despite this, they continue to report and attempt to collect on this account. This constitutes inaccurate reporting, failure to validate the debt, and unlawful reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Can we please remove the late payments from my credit report? I have been on time since the loss of my income back in XXXX. I would love to have them removed, for I am a long-time member and plan to continue to be a member.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I dont know exactly but PayPal wont let me on PayPal due to a payment error that happened years ago..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
Yesterday ( XX/XX/year> ), I received an email informing me that XXXX of my accounts on my credit report received " a major derogatory mark. '' When I checked my credit report, I saw a newly added account from " JEFFERSON CAPITAL SYSTEMS. '' I have never seen this account before and have never done business with Jefferson Capital Systems. My report says it is a debt collection account and that I owe {$9100.00}. I immediately filed a dispute with the credit reporting agency ( XXXX ) because that debt is not mine. The only other accounts on my credit report are my XXXX credit cards which I pay every month and which my credit report reflects as " Open/Never Late. '' I informed XXXX this was a fraudulent or mistaken charge. Today ( XX/XX/year> ), XXXX emailed me saying my dispute was complete, and that the account information I disputed " Meets requirement of the Fair Credit Reporting Act. '' I am not sure what that means, because there is no possible way this information is accurate. XXXX informed me Jefferson Capital Systems is a debt buyer and the original creditor was XXXX XXXX. I HAVE NEVER BEEN A XXXX XXXX CUSTOMER. This is simply not my debt. I have never missed a credit payment my entire life, and I have had multiple credit accounts for more than a decade. Now, due to this fraud or mistake, my credit score has been severely impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
I am filing a complaint regarding a fraudulent transaction dispute that was denied by Chime. On [ XX/XX/year> ], I was the victim of a social engineering scam while at work. I received a call on my employers phone that misled me into sending {$780.00} through Chimes Pay Anyone feature under the belief that it was an emergency involving a family member. Once I realized it was a scam, I immediately reported the incident and filed a police report. I also submitted supporting documentation including the police report and confirmation from my employer that the incident occurred on a work phone. Despite this evidence, Chime denied my dispute twice, and the second review lasted only one day, which raises concerns that the documentation was not properly reviewed. I am requesting that this transaction be fully investigated as fraud and that my supporting documentation be properly considered. I am also requesting reimbursement of the {$780.00} that was lost due to this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: VA

Complaint narrative:
On or around XXXX, XXXX, Collections Bureau of America ( CBA ) sent me a written notice stating I owed Self-Storage Plus an outstanding debt of approximately {$500.00}. I had responded via mailed correspondence that I was disputing the debt and did not receive a response from CBA regarding the dispute. In XXXX, XXXX, CBA reported the disputed debt to credit reporting agencies and subsequently lowered my credit score. I contacted CBA by phone and they expressed that my credit would be negatively impacted every month unless I had payed the debt that was in dispute. I had payed the debt to avoid further credit score lowering and contacted CBA via email express my concern over their tactics ( email attached ). The derogatory debt was removed from my credit report and I had requested CBA to return my payment so I could continue dispute. CBA refused to return the payment stating the debt was closed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TransferWise Ltd
State: CA

Complaint narrative:
Today, XX/XX/XXXX, our business account with Wise was unexpectedly deactivated. Wise informed us that the account has been closed, but stated that they are unable to provide any specific reason for this decision due to regulatory limitations. As of now, we have not received any meaningful explanation regarding what triggered this action. At the time of closure, the account holds approximately {>= $1,000,000}, which are essential funds for the daily operations of our business. The sudden and immediate loss of access to these funds is having a significant and direct impact on our ability to operate. Following the notification, we immediately contacted Wise customer support in an attempt to understand the situation and find a resolution. However, we were not provided with any additional information or assistance, and were simply instructed to submit a formal appeal. This lack of transparency and support is creating serious operational and financial disruption. At this stage, we are actively seeking to : Understand the reason behind the account closure Recover access to the funds held in the account Restore normal business operations as quickly as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
Caine & Weiner XXXX Account reported as collection Reported balance : {$780.00} Opened : XX/XX/year> Account status : Open / Unpaid Original Creditor : Progressive Remarks : No Info Dispute Description/ Legal Demand : I am disputing the above account reported by Caine & Weiner XXXX on XXXX XXXX XXXX XXXX Key Issues : XXXX. Proof of Sale / Ownership : Caine & Weiner XXXX must provide full legal documentation proving the account was legally purchased from the original creditor, XXXX. Documentation must include signed agreements or bill of sale from XXXX showing the transfer of debt. 2. Consumer Consent : I demand signed consent from me if my debt was sold or assigned. Any digital statements, partial payment history, or electronic records are not acceptable as proof. 3. Verification / Investigation : I demand disclosure of the method used to verify this account as valid on my credit reports. If they fail to provide legally valid proof, this account must be deleted immediately from all three credit bureaus. Legal Basis : Failure to provide legally valid documentation constitutes a violation of the Fair Credit Reporting Act ( FCRA 1681i & 1681s-2 ). Inaccurate reporting without proof of ownership or consumer consent may result in legal action and damages under federal law. Attachments ( if any ) : None provided in this submission ; CFPB and credit bureaus already have prior dispute documentation if applicable. Demand / Resolution : Caine & Weiner XXXX must either provide legally valid proof of ownership and sale, including all signed documents and verification, or remove the account from XXXX XXXX XXXX XXXX immediately. Failure to comply will result in legal consequences under applicable federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Responding to my complaint XXXX It was stated in previous messages on this portal that the company was responding directly to me about my complaint! That NEVER HAPPENED! Bank of America has ruined my life as well as my childs! Due to utter lack of respect for the welfare of their consumers!! They froze my account and made me lose everything! They are cold hearted people!! They never responded to me at all!!

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 2026-04-01 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: FL

Complaint narrative:
I received my tax return deposited into my Cash App account for XXXX I made a transfer to my main checking account XXXX credit union which was linked to my Cash App account. I made a claim on my XXXX account because there was fraudulent activity on my XXXX account Cash App took all my money out my Cash App when I resolved the issue with my XXXXXXXX account I explained to them there was no fraudulent activity done on my Cash App only on my credit union escort which had nothing to do with them I provided all the proof they didnt care they still closed my account and took every XXXX that I worked hard and earned out my account stating fraudulent activity was reported I explained I didnt report nothing fraud on my account this happened XX/XX/year> a XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX XXXX XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( XXXX XXXX XXXX XXXX ) ( LVNV FUNDING LLC )... has violated my rights NUMEROUS of times. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication, ( 1 ) I demand that they provide me with the original contract with my wet signature on it guaranteeing that I would pay this debt. ( 2 ) I demand that they provide me with debt validation according to 15 USC 1692 G I want them to send me a detailed list of history payments made by me on these accounts. ( 3 ) Im asking to see has there been any insurance claims found on these debts. ( 4 ) I want proof that they have the chain of title to collect on this debt. Or I Demand These Accounts Be Removed From My Credit Report Listed Below. ( LVNV FUNDING LLC ). ( LVNV FUNDING LLC ). XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Attempting to collect a debt that is not mine XXXX Please stop mailing me notices I donnot own nor heard of this debt. To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal au thority to collect this debt 6. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies. If you are unable to provide proper verification, please remove this account from my credit files and confirm the removal in writing. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, 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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am requesting a review of my recent transactions on XX/XX/year>, as the posting order and timing of credits and debits appear inconsistent and may have caused unfair overdraft conditions. On XX/XX/year>, a deposit of {$270.00} XXXX XXXX XXXX XXXX Benefit ) was credited to my account. Following this, multiple transactions were processed, including XXXX payments ( {$65.00} and {$35.00} ) and several small debit card purchases. Additionally, there are multiple transactions currently in processing status, including incoming XXXX transfers totaling {$170.00} ( {$160.00} and {$15.00} ), which were initiated the same day. Despite these incoming funds and the earlier {$270.00} deposit, transactions appear to have been posted in a way that does not reflect true chronological order or the actual availability of funds. This creates the appearance of reduced available balance and increases the risk of overdraft or fees that would not occur if credits and debits were applied fairly. Based on the transaction history, my account balance should have remained sufficient when considering the timing of both the posted deposit and pending incoming transfers. I am requesting a full review of the posting sequence and processing timing of these transactions. If any overdraft or related fees were assessed as a result of posting order rather than actual insufficient funds, I am requesting those fees be reversed. Please review the attached transaction screenshots showing the deposit, outgoing payments, and pending incoming transfers for accuracy and fairness.

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 2026-04-01 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: IL

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX XXXX XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 ( MIDLAND CREDIT MANAGEMENT INC. ) ( XXXX XXXX XXXX )... has violated my rights NUMEROUS of times. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication, ( 1 ) I demand that they provide me with the original contract with my wet signature on it guaranteeing that I would pay this debt. ( 2 ) I demand that they provide me with debt validation according to 15 USC 1692 G I want them to send me a detailed list of history payments made by me on these accounts. ( 3 ) Im asking to see has there been any insurance claims found on these debts. ( 4 ) I want proof that they have the chain of title to collect on this debt. Or I Demand These Accounts Be Removed From My Credit Report Listed Below. ( XXXX XXXX XXXX ). ( XXXX XXXX XXXX ). MIDLAND CREDIT MANAGEMENT INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had {$22.00} in my savings account I checked my account today and the funds is missing

Company response to consumer: Closed with explanation