vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am filing a complaint regarding the mishandling of my settlement payment from the XXXX XXXX XXXX XXXXXXXX class action, administered by XXXX. In XX/XX/year>, I notified the settlement administrator that I was unable to access or use any bank account due to active identity theft. Because of this, I could not cash or deposit the physical check that had been issued to me. I provided supporting documentation, including an identity theft affidavit and a police report, and requested that my payment be reissued through a secure alternative method such as a prepaid card, virtual card, or ACH transfer. Despite multiple follow-ups over several months, I did not receive a meaningful response. When I eventually received replies, it was clear that my prior communications and documentation had not been reviewed properly and/or at all. I was repeatedly instructed to cash the check at a bank or check-cashing location, which was not possible given my circumstances. I complied with all requests for verification, including providing my full name, address, and claim ID. However, my request for an alternative payment method was denied, with the explanation that payments could only be issued via physical check. Due to the delays and failure to properly address my situation, the original check expired. I was then informed that the payment could not be reissued because it had already been mailed. As a result, I have been unable to access funds that I am entitled to under the settlement. Throughout this process, I also requested that all communication be conducted via email due to lack of phone access, but this was not meaningfully accommodated. I have ongoing identity theft risks and can not safely use traditional banking channels I previously sent documentation supporting this, including affidavits and a police report Email is my only reliable method of communication given the severe lack of both accountability and transparency from multiple companies as of recent. Mail tampering reports also exist at this time. All required check and claim details were provided to XXXX and its banking partner. Despite this, staff repeatedly stated that the check would be resent but failed to follow through. Instead, I received multiple generic or repetitive inquiries that did not address the substance of my request. This pattern suggests that my case was not properly reviewed or handled with appropriate attention. Given that this payment arises from a court-approved settlement, the failure to act on confirmed information and to provide a reasonable method of payment has prevented me from accessing funds I am entitled to.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Company : Capital One Product : Credit Card Issue : Account restriction / delay / rewards issue Complaint : I am filing a complaint regarding my Capital One Venture credit card, which has been restricted due to a fraud/verification review for over a month. I have already submitted all requested verification documents, but my account remains restricted with no clear explanation or resolution timeline. This delay is unreasonable and has prevented me from using my credit card. It is also affecting my ability to meet the spending requirement for the {$4000.00} ( XXXX miles ) sign-up bonus associated with this account. I have contacted Capital One multiple times, but I have not received meaningful updates or a resolution. I am requesting that Capital One immediately review my account, remove the restriction, and ensure that my eligibility for the sign-up bonus is not negatively impacted due to this delay. I am requesting an extension of the promotional spending period due to the time my account has been restricted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash App has a account I lost the access to I provided them proof of id address birthday and my mom was XXXX XXXX because when opened I was a XXXX they even were in contact with he to remove her from the account when this was going on because o tXXXX XXXX XXXX they then after finding the email and number used to open it closed the account and refused me my funds XXXX I have copies of the account and still refused me my money and now it says account dont exist but my mom can access all the statement still and they still refuse

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
On XX/XX/XXXX I requested a transfer of money from my bank account, which I have had for decades and had connected to PayPal for decades now. I was informed that it could take several business days. Once I initiated the transfer I was informed it could take up to 5 business days. The money was taken from my bank account the next day, on XX/XX/XXXX. However the money has not shown up in my PayPal account. The only help they offer is an AI agent. The AI said that the transaction would be completed by XX/XX/XXXX. When it didnt happen yesterday and I asked about it, then it said it should happen today, XX/XX/XXXX. When it wasnt there this morning, now they say that its being held under investigation for security concerns and will not be released for 21 days. There has been no previous disclosure about an investigation or security concerns. This is a substantial amount of money, more than {$1500.00}. If it was a new account, or I had been contacted at some point to be informed that my transaction was flagged and under investigation for security concerns I might understand. But in this context it seems like an AI hallucination and an excuse for PayPal to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
am reporting inaccurate credit reporting on my auto loan account. On XX/XX/year>, the lender confirmed in writing that my account was current after processing a payment and deferring a prior installment to the end of the loan. This confirmation followed a payment made on XX/XX/year>. Despite this, my credit report shows a 30-day late payment for XX/XX/year> along with negative account status indicators. The account can not be both current and 30 days past due during the same time period without a documented intervening default. No such default has been identified or communicated. I disputed this issue and provided supporting information, but the inaccurate reporting has not been corrected. This has resulted in continued reporting of incorrect derogatory information that does not reflect the actual account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I find it absolutely deplorable that XXXX has my money inaccessible and tells me that the automated system is flagging my transactions but my account isnt locked or restricted. Of my account isnt locked or restricted I should be able to access my money, I called and a representative said he enabled atm withdraw and yet that didnt work. My acc is continually going into this cycle and Im being told XXXX is the reason why and no human can override it. I find that absolutely disappointing. How can a company leave ai in charge of my funds to the point where it makes the final say about my money? Prior to this, actually the day before I was just able to make purchases, then even that same day I was able to send money out at least, I cant add a bank to transfer my funds, a card, send money out or even transfer it to my business account but my account isnt locked or restricted. Its absolutely disposable that my money is being held by a system no human can override, now Im suffering financially waiting for the robot to stop putting my account in this cycle of review and they even told me they can not predict that it doesnt continue in the future because its an automated system. Thats unacceptable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: NJ

Complaint narrative:
This card was never received. Multiple communications were extended to the credit card company advising the card was a result of theft. When I attempted to rectify the complaint and request the card be mailed outside of XXXX ( the mail carrier in which the card was being stolen ) I was advised XXXX is the only option. XXXX XXXXXXXX continued to send multiple cards to my address and each was intercepted and used.When I attempted to close the card the company advised I would need to furnish a payment even though I did not charge it. I advised multiple times I live on a military installation with an active XXXX investigation for mail fraud and card XXXX. I am a military spouse on active orders to XXXX and are therefore covered under the scra act. I attempted to have the rate at least lowered during the investigation while attempting to make payments and was ignored. The service members Civil Relief Act ( SCRA ) 50 U.S.C. XXXX applies to military spouses and dependents. Key protections include capping interest rates at 6 % on pre-service debt, protection from eviction, and provisions for residency, taxation, and professional license portability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
BULLCITY FINANCIAL SOL is falsely reporting on my credit. I have never had any accounts with them. Per my research BULLCITY FINANCIAL SOL 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 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On Saturday, XX/XX/year>, an unauthorized transaction of {$19.00} occurred on my Cash App account, related to gambling activity. I did not authorize this transaction ; it was conducted by someone else without my permission. Immediately after discovering the unauthorized charge, I contacted Cash App support to report the issue and requested : 1. A full manual review of my account activity 2. A clear explanation of the violation that led to the permanent deactivation 3. Reconsideration of my account deactivation given that the transaction was unauthorized Instead of investigating, Cash App permanently deactivated my account without providing a specific explanation or opportunity to resolve the issue. They only provided instructions to withdraw my remaining funds. I rely on this account for essential financial needs, including paying bills, transportation, and daily expenses. Cash Apps failure to properly investigate and respond to unauthorized activity has caused significant inconvenience and risk. I am requesting a formal review and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
Reported card misuse and account take over not being able to login and being delayed for id verification when the person doing the payments to themselves and friends without my permission or gain is due to a felonious search warrant issued to my residence and therefore my arrest on XX/XX/XXXX for and release days later about the XXXX and XXXX XXXX XXXX I was still unable to login and waiting to receive my wallet back with cards and my bills and funds weren't returned by my case worker and the chain of custody on my property wasn't secure and returned but still I didn't know the pins and had errors so frustrating it was going on circles and showing blocked from various browsers. Chime Activity ( XXXX - XX/XX/year> ) XX/XX/XXXX : Disputed peer-to-peer payment of {$900.00} ( reported as not physically able to approve ). XX/XX/XXXX : ATM PIN updated. New login detected from XXXX, CA. XX/XX/XXXX : Sent {$1800.00} to XXXX XXXX and {$98.00} to XXXX XXXX Chime card enrolled in XXXX XXXX. XX/XX/XXXX : Sent {$100.00} to XXXX XXXX. XX/XX/XXXX : Verification code sent. New login detected from XXXX XXXX, CA. XX/XX/XXXX : Email and phone number updated. New passkey added. New login detected from XXXX, CA. XX/XX/XXXX : Request to confirm email address. XX/XX/XXXX : Text message request received to send Chime funds. XX/XX/XXXX : Cancellation of a Chime request. XX/XX/XXXX : Communication regarding the status of ACH transfers. XXXX XXXX Activity ( via XXXX ) ( XXXX - XX/XX/year> ) XX/XX/XXXX & XXXX : Unauthorized transactions totaling {$2900.00} to " XXXX XXXX Number XXXX ''. XX/XX/XXXX : Authorization code received and device verification triggered for a login in XXXX XXXX, CA. XX/XX/year> ( Ongoing ) : Active issues with account security and verification, including submitting identity verification, receiving login instructions post-verification, and alerts for a compromised password. XX/XX/XXXX : Alert received for an unrecognized device login from XXXX XXXX, CA. XX/XX/XXXX : Received multiple expense audit reports and tax packets. XXXX XXXX Activity ( via XXXX XXXX XXXX XXXX XXXX ) ( XXXX - XX/XX/year> ) XX/XX/XXXX : New checking account statement received from XXXX. XX/XX/XXXX : Confirmation code received for XXXX XXXX. XX/XX/XXXX : XXXX checking statement received. XXXX statement for XXXX XXXX generated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
This loan was taken out in XXXX for {$300.00}. I getting call from a server company I think that wants me to signed something the message don't really state. They gave me XXXX phone to call Idid that it belows to a XXXX XXXX company. Guy on the phone state I owe over {$14000.00} for a XXXX check and not complete the loan. I state I had settlement and I had letter for that but its XXXX and I can find it. I call the phone # from the org loan it working anymore. I was very nasty. I working on going back on my bank statements to find the payments I made to them. When I call this XXXX company they had my birthday wrong and really could tell me much about the matter he had..... Just that they wanted to sever me paper work and garish my paycheck for over {$14000.00} over a {$300.00} loan....... The serving company has call my son 3 times and my Ex husband and me and my current husband over this....... As far I can tell this Zoca Loans are not is service anymore and this is been sense XXXX and now XXXX they are coming after me and nothing before this. If I owe them money you would have thought I would gotten something before now. I do have a copy of my org loan paper work and the settelment office email. Is this scam? NEED YOU HELP THEY WANT TO TAKE ME TO COURT NEXT WEEK.

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 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NC

Complaint narrative:
To Whom It May Concern : I am submitting this follow-up complaint regarding my previously filed complaint and the continued failure to process my Public Service Loan Forgiveness ( PSLF ) buyback application, originally submitted in XX/XX/XXXX. My initial complaint outlined that I applied to purchase XXXX qualifying months through the PSLF buyback program, which would bring my total qualifying payments to XXXX and make me eligible for discharge. My employment certification has been fully approved, and I meet all statutory requirements for PSLF upon completion of the buyback. Since filing both my application and prior complaint, I have received no substantive response, no formal determination, and no estimated timeline for resolution. My previous CFPB complaint has gone unanswered by the company, further compounding the issue. Since that time, I have obtained additional documentation from my U.S. Senators office. In a response dated XX/XX/XXXX, the U.S. Department of Education confirmed that my buyback case is still under review and acknowledged that processing delays are occurring due to volume and internal review requirements. However, no timeline, decision, or actionable update was provided. At this point : My application has been pending for over XXXX months My prior CFPB complaint has not been addressed Repeated inquiries to Federal Student Aid have resulted only in statements that my case is escalated, without action There is no defined process timeline, explanation for delay, or procedural recourse This constitutes an unreasonable and indefinite administrative delay in processing a statutorily authorized benefit. I am not requesting discretionary reliefonly the adjudication of an application that, once processed, would complete my eligibility for PSLF discharge. The continued lack of response and absence of any decision or timeline effectively denies me access to a benefit for which I qualify under federal law.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XXXX I made a mobile deposit to my Truist bank account for the amount {$7300.00}. My payroll direct deposits are usually $ XXXX so this amount is not out of scope. The check was from XXXX XXXX XXXX ( a hardship withdrawal from my XXXX ). As of now, Truist has placed a hold on my funds being available until 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 explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding an account reported by XXXX XXXX XXXX. I made multiple attempts to resolve this matter directly with the company, including emails and written communication requesting an itemized statement, supporting documentation of charges, and clarification of credit reporting. I was advised that my account would be reviewed and that I would receive a follow-up call ; however, no response was provided. I also provided documentation, including photos and videos, showing water intrusion and maintenance issues within the unit during my tenancy that may impact the validity of the charges. Despite my efforts to resolve this matter in good faith, the company failed to respond or provide proper verification. Due to the lack of communication and failure to validate the account, I am requesting a full investigation and appropriate action.

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 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
I am filing this complaint against Toyota Motor Credit Corporation for inaccurate reporting and failure to correct my account. I returned my XXXX vehicle to XXXX Toyota on XX/XX/year> and no longer have possession of it. Despite this, the account continues to be reported as open, 60 days delinquent, and with an increasing balance, which is inaccurate. I previously notified Toyota in writing via certified mail requesting the account be corrected or deleted. I also disputed this account through XXXX, and Toyota verified it as accurate without addressing the fact that the vehicle was returned. Additionally, I was told the account would be deleted, yet it remains on my credit report. This inaccurate reporting is harming my credit. I am requesting : Immediate correction or deletion of this account Documentation supporting Toyotas claim that the account is accurate Written confirmation once corrected Failure to properly investigate and correct this account violates my rights under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. This hits : The factual timeline ( vehicle return ) Previous attempts ( certified mail, XXXX dispute ) Current problem ( open, delinquent, increasing balance ) Legal pressure ( FCRA violation )

Company response to consumer: Closed with explanation