vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: IN

Complaint narrative:
Had a hotel stay back around XXXX XXXX. Had a {$50.00} security deposit taken from my card. After leaving the hotel I had the hotel people check the room and release my {$50.00} deposit. I had confirmation from the hotel. It goes to pending that same day on XX/XX/XXXX. It's been in pending for over 2 weeks. Cashapp seems to be holding my money. Says they can't do anything. No other banking app takes this long on a pending charge. It's either released within a couple days or it isn't released at all. I've seen many people complain about cashapp having ridiculous hold times on security deposit releases. This needs to stop. I need my money from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: MI

Complaint narrative:
I disputed this transaction with Cash App, and my dispute was denied the same day the complaint was filed. I believe the denial was premature and improper, and that a full and fair investigation was not conducted. Cash App did not adequately review the facts of my dispute or provide sufficient explanation or evidence to support the denial. I am requesting that Cash App reopen the dispute and conduct a complete investigation, including review of all transaction details and communications. I am seeking a refund of the disputed amount and a written explanation of how the decision complies with consumer protection requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XXXX I get a email that my XXXX account was charged {$96.00} for XXXX. This was not my charge i thought it was a phishing email. I log in to my XXXX account and to my suprise there was a {$96.00} charge processed on my account. I have my device and nobody has access to my XXXX account, this was not authorized. My biggest issue is the misleading info on the website. The website claims they are open at XXXX central time daily but this is not accurate there is no way to contact them on a Sunday so my account is open for more fraud as I can not stop it. I think they are closed for calls on weekends but verbiage says " daily ''. Additionally, the XXXX app says i can dispute a transaction and to follow the instructions provided only find out those are not accurate either. So I can not call, I can not freeze my account myself to my knowledge and my account balance is open to more fraud. I call this morning and was on hold for 15 minutes and then get a fast busy dropped call. I then go to the online agent in the app to finally notify them of the fraudulent charge. I can not speak to anyone to confirm anything. My time is valuable but XXXX does not seem to care. I am told that the dispute has been filed and will take up to 10 days to resolve the issue and my account is suspended in the interim. So basically my XXXX balance will just sit there and i have no access to it. This is not right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 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: GA

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Hello. My credit limit on my Chase XXXX XXXX credit card was lowered from {$7000.00} to {$3500.00}, raised to {$4200.00} and then supposedly rejected when attempted to be raised back to {$7000.00}. I'd like my credit limit restored before anymore damage is done to my credit profile. I received two letters from Chase. One dated XX/XX/XXXXXXXX and one dated XX/XX/XXXX. Both stated that due to my low usage of the account that they were considering lowering my credit limit. I called after receiving the second letter and requested that they not do this. Of course Chase claims to have no record of that call. I then received a letter dated XX/XX/XXXXXXXX saying that my limit was being reduced. I called Chase on XX/XX/XXXX. I spent almost an hour on the phone, spoke with five people and basically got nowhere. I'm now receiving notifications from reporting agencies that my overall credit limit has been lowered. That's what I was hoping to avoid. Can you help me get my limit back to what it was originally? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX deducted {$1300.00} as part of a two payment agreement for my rent payment for XX/XX/XXXX. On XX/XX/XXXXXXXX XXXXXXXX deducted an additional {$580.00}. I disputed that charge as per the screenshot you will see the property told me I only owed {$1400.00} and XXXX had overcharged me by {$400.00}. Without the chance to submit documentation, Chase reversed this charge with no outreach, no communication, and caused my account to overdraft resulting in financial hardship. This is the second issue I have had with Chase in the last 30 days by poor review performance of claim disputes and horrible customer service when attempting to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have sent them the email they sent me when I paid the debt off in 2023. they still won't remove it or correct it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and my credit report is currently being compromised by blatant fraud. You are reporting inaccurate, fraudulent information that does not belong to me.Someone stole my identity to obtain loans and credit cards. I did not receive a single cent or benefit from these accounts, and I have no idea who is responsible. I expect these items to be blocked and deleted from my report immediately. XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft, and my credit report is currently being compromised by blatant fraud. You are reporting inaccurate, fraudulent information that does not belong to me.Someone stole my identity to obtain loans and credit cards. I did not receive a single cent or benefit from these accounts, and I have no idea who is responsible. I expect these items to be blocked and deleted from my report immediately. XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XX/XX/year>

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have current deferred interest balances on my Synchrony Care Credit Card. A minimal amount of {$89.00} was charged on XX/XX/year> during the current billing cycle. This minimal amount is not eligible for deferred interest and would accrue interest if not paid in full. The minimum payment due by XX/XX/XXXX was {$200.00}. An automatic payment of {$270.00} was scheduled for XX/XX/XXXX and an additional payment of {$89.00} was added to be paid on that same date. My automatic payment of {$270.00} was reduced to {$180.00} so that, along with the {$89.00}, the total payment made on the XXXX was {$270.00}. The entire amount was applied to the deferred interest balance. I scheduled another payment of {$89.00} on XX/XX/XXXX and called customer service to make sure that the payment would be applied to the balance that would be getting charged interest. I was told that their policy is to allocate payments to the deferred interest balance that is coming due soonest rather than applying the payment to any charges that would accrue interest, but they could make the adjustment to have it paid towards the balance that would accrue interest. I monitored my account and called back on XX/XX/XXXX because the payment made on XX/XX/XXXX was also applied to the deferred interest balance. I was told that it could take a billing cycle or two to be processed and there was no guarantee that there would not be interest charged on the {$89.00} charge. My understanding, based on the CARD Act, is that credit card companies must apply any payment over the minimum payment to the balance that is getting charged the highest interest rate. Care Credit is not doing that. This is not the first instance of me having to call to correct the allocation of my payment with this credit card company. I would appreciate it being looked into and have them correct their practices if it is not what was directed in the CARD Act. Thank you.

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 2026-03-02 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: TX

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XXXX XXXX froze and denied me access to my account, causing me to not only be stranded at my workplace for roughly XXXX hours, but also caused a penalty on my bills because the first of the month did come up and my mortgage, phone bills, gas, and electric were all due now XXXX gon na pay penalties on those and there was no justification in regards to why my account was frozen. Im more importantly I didnt know my account was frozen until I tried to log into my bank account because when I tried to pay for my lunch, my card declined when I reached out to truest bank they said we can not disclose the information. However, your account is frozen. find that quite disturbing especially since I requested for the past two months statement since my funds were lower than expected and fraudulent activities did occur and I had to request them to to create me a new bank account so I can send my direct deposit there I do get roughly around {$6000.00} directly deposited into my account. im unable to attach proof evidence because theyve denied any access to me getting into my online banking. They didnt even send an email notification nor a phone call to inform me that this was gon na happen to my account!

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 2026-03-02 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:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I successfully updated my mailing address with Capital One from XXXX, TX to XXXX, DE. My monthly Capital One statements clearly reflect my current Delaware address, confirming that Capital One has my correct address on file. However, I discovered that my credit reports are incomplete and inconsistent across bureaus. XXXX only shows my former Texas address and my older XXXX account opened under that address. XXXX has informed me that they did not receive my updated Delaware address from Capital One. In addition, my Quicksilver XXXX Credit Card and my Authorized User account ( opened XX/XX/year> ) are missing from both XXXX and XXXX reports. Only XXXX reflects my accounts completely and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
A yearly fee of XXXX was assessed. This was not made clear in any way. Very deceptive practices. They will remove XXXX dollars of the fee. I want the entire fee removed. This card has terrible reviews which I was unaware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
Square closed my recently opened checking account without warning or specific reason after I transferred {$500.00} as a self-test sale and paid the fee of {$17.00}. I submitted ID, bank statements, and multiple XXXX forms proving legitimate gig income. No fraud/chargeback. They are now holding my {$500.00} until XX/XX/year> ( 90 days ), with possible extension, and threatening to debit my linked bank if chargebacks occur. Case # XXXX. Support ( XXXX XXXX XXXX ) refused to reopen or release funds saying to wait 90 days or refund in a different way, which is impossible given that the account is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened a checking account with the bank on XX/XX/XXXX. There was a bonus addendum whereby, if I deposited {$25000.00} into that account and maintained a banking relationship for 90 days, I would receive a {$600.00} bonus within 14 days. That bonus was due by XX/XX/XXXX. When the funds didn't appear, I called the branch and was told to wait another day or so. I waited a week- and it did not show up. Called the branch manager who said she would investigate and call me within 5 days. I visited the branch 4 days later. Manager said the bank did not code my account and this would be done by Sunday, XX/XX/XXXX. Monday, XX/XX/XXXX, the manager called to share that the coding error was fixed but I would now have to wait an additional 14 days to get my money ( XX/XX/XXXX ), I asked that they deposit my funds immediately ; however, the bank has refused to do so.

Company response to consumer: Closed with monetary relief