vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received a letter today from Bank of America stating to please call right away at XXXX due to detected suspicious activity on my credit card. I was suspicious about this letter because I was not familiar with the account ending in XXXX and I don't remember having a Bank of America credit card. I did a quick check of my credit cards that I normally use on a day-to-day basis and none of these had an account ending in XXXX. AI told me I should report this. The letter also had a sense of urgency saying " thank you for calling us as soon as possible. '' These scammers are getting so good at reaching out on text messages, email messages and now through my mail. It's scary how real these messages are and it's unfortunate that some people are unaware of these types of scams and are taken advantage of. Why can't we have beekeepers to go after these people who prey on the vulnerable?!

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a prior complaint. First balance transfer to Citibank XXXX XXXX for XXXX in XXXX. The wire was refused. XXXX XXXX send a paper check. It never credited. I had to cancel the check about 30 days later. Same problem. I processed " a second balance transfer on XXXX '' for XXXX Citi Bank never credited the check. XXXX XXXX cancelled the check today XXXX What Citibank is doing with payments is a huge question. Are they holding payments hoping to charge customers interest? I had bought a laptop from the XXXX warehouse. My nephews father bought him a computer. I returned it. Many calls. Day after day I call to see if it was credited. It took " 2 weeks to credit my account '' I will never buy a large item with this credit card ever again!!!! The same thing happened with my XXXX XXXX. I leased a XXXX XXXX. I took money out from my XXXX plan to pay off the card. It was for over XXXX. It took many calls day after day for this check to clear to pay it off. It was cash from my XXXX plan that paid that card off. I cancelled that card. The way Citi bank credits their payments is a very large problem. Payments and returns should reflect on their inbound call director and they don't!!!! I will only use my XXXX visa for small purchases. And pay it off, Never will I ever make another large purchase with the card. Their crediting system needs a investigation from this organization. Not 1 but 2 balance transfers never went through and checks were cancelled!! I will not apply for another Citi card ever again! Will keep the warehouse card only.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was being sold XXXX tickets and they told me to Cash App then the money before they transferred the information to my name so when I sent them the money they lied about sending me the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
I checked my credit report in XXXX of XXXX and saw that the company was reporting the account. I reached out in writing requesting validation of the account according to The Fair Credit Reporting Act. They did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
My name is XXXX XXXX. I have an affirm account linked to my phone number at ( XXXX ) XXXX I have active loans with Affirm that are current and being paid through autopay. I am unable to access my account because their system repeatedly rejects my identity verification, stating my SSN is incorrect. I have also attempted verification using my ITIN with the same result. I am not applying for a new account. I am trying to access an existing account tied to active financial obligations. Affirm has not provided a solution or a way to complete manual identity verification. This situation prevents me from managing my loans while still holding me responsible for payments. I am requesting that Affirm restore access to my account or provide a verified method to complete identity verification and manage my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake had reposes my car due to being 49 days passed due and unfourtanly i had an injury at work and that is the reason why i had fell be hind and explained this to them and they still repo the car also my intestion is to make the payment but now they are stated that i can not pay and can not get the car back due to this being my second reo which is not true because the first repo there are stating in in correct because it was impounded by bpd due to me not having a license which resulted in a 30day hold but west was able to get the car released to me but i had to pay all the fees which i did and they never told me that they counted as a repo now that i barley fell be hind on payments they are now saying i can not get my car back. my end goal is to pay what is owed and to continue paying on the car now that i am working again and take the car back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: OH

Complaint narrative:
Listing a debt on my credit report I know nothing about, lowering my score, utter violation of FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
I have started a money transfer with company names, Abound, on XX/XX/year>. As per their app, money was supposed to be transfer in my father 's account in XXXX within 10 days. It's XXXX XXXX today and money is still with the company. I tried to contact the company their help support services but there's is no one available to talk. Every time it says you can email the support. I contacted the support team many times and asks them to cancel my transaction if company can not transfer money anymore, but they are saying it's too late for cancel. My transaction reference number is XXXX. Please resolve the issue as money transfer is still pending and it has already been deducted from account. Message to others : Please do not transfer money through this website.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX I purchased a vacation package to be taken during the XXXX holiday from XX/XX/XXXX until XX/XX/XXXX, which included hotel stay and a round trip flight for my kids and I in XXXX. The payment was made in full via initial payment and monthly payments. However even though a flight to my destination was provided, a return flight ticket was never provided. I had to purchase a one way return ticket for my infant kids age XXXX and XXXX and myself on XX/XX/XXXX when our vacation was meant to be over and we needed to vacate the hotel and the country. I reached out to the merchant multiple times via calls, text, emails, XXXX message and even on social media, but didn't get a response and I decided to dispute the charges on my citi credit card. Despite citi opening the dispute and me providing all the requested document asked of me by citi card, all the merchant provided was a receipt of my payment and citi card decided I was responsible. I'm not denying making payments, I'm filling a dispute because even after making payments, my family and I were stuck in a hotel room in a foreign country without a return ticket which was meant to be provided. As of this writing, the merchant is yet to show the proof of a return ticket that was provided to me for my kids and I.

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
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Recovery and Collections, Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding a debt collection account that has been reported under my name in the amount of {$9900.00}, which I believe to be fraudulent and not associated with me. I was never aware of this account prior to it appearing on my credit report and/or being contacted by the debt collector. I have not entered into any agreement, contract, or transaction that would justify this alleged debt. This account is the result of identity theft or fraud, and it is inaccurately being attributed to me. I have never authorized this debt and dispute its validity in full.

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 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I have been locked out of my Chime account for 11 days while traveling in XXXX. I have successfully used Chime in this region for 2 years. I have provided my passport and selfie for identity verification ( Case # XXXX ) as requested, several times over the past 11 days, yet I am still denied access to the mobile app. Multiple representatives and Chime 's AI assistant incorrectly stated that XXXX is a 'blocked country, ' which contradicts Chime 's official travel policy and their partnership with XXXX for international data in XXXX XXXX Most critically, I have an outstanding XXXX XXXX as of tomorrow XX/XX/year>. Chime is obstructing my ability to repay or manage this loan because those features are restricted to the mobile app, which they are currently blocking me from accessing. I am seeking immediate restoration of app access and a waiver of any penalties related to the loan during this 11-day technical lockout. " Willful Ignorance '' : After an 11-day lockout and several calls with managers ( one of the Case # XXXX ), I received an email from XXXX ' in Member Protection Services. Despite having my verified passport in their system, she refused to unlock the account via email and instructed me to call the same support line that has been providing false information for nearly two weeks. '' " Service Refusal '' : Chime is acknowledging the urgency and your identity verification but is refusing to take the mechanical step to grant me access to my own funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint against SoFi Bank regarding a Regulation E debit card dispute. On XX/XX/year>, I was charged {$60.00} by XXXX for a flight that was later canceled by the airline. XXXX confirmed I would receive a refund, but I never received it. I filed a dispute with SoFi, but the bank refused to properly process the claim or issue a provisional credit within 10 business days as required under Regulation E. This failure to provide provisional credit and properly handle the dispute is a violation of Regulation E. I request that SoFi immediately issue the provisional credit, complete the investigation, and refund the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
There are two companies putting their name on my credit report and attempted to collect debt I am not aware of or was discharged in my bankruptcy or was charged off long time ago. The first company is LVNV FUNDING LLC and the second one is XXXX XXXX XXXX XXXX. I looked them up on XXXX and found they are those companies that go around buying debt for cheap and hurting people credit by place those on people credit report without any information what the debt for or not even an info of original debtor. They placed their name on my credit report as a debt collection but don't give me info of what my debt was. On XXXX people left bad reviews about the XXXX want to charge {$1.00} for more details of your debt. That is outrageous and very unprofessional act and they should be banned from running their companies by buying the debts and hurt people credit. I can't believe they still allow to do what they are doing. Again, these two companies has given no info about what the collection about and I have tried to call them but no one pick u the phone. We are credit consumer really need help to protect our credit and not just letting these companies put whatever debts they put on our report and hurting our credit. To my remembering, my debts were charged off and were put in my XXXX long time ago. I REALLY HOPE XXXX XXXX XXXX XXXX INVESTIGATE THESE COMPANIES AND HELP RESOLVE MY COMPLAINT. I NEED THEM TO REMOVE THEIR NAME AND THEIR COLLECTIONS OFF MY CREDIT REPORT. THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: IL

Complaint narrative:
On XXXX I sent my husband XXXX XXXX {$180.00} through cashapp l. Cashapp locked his account at that moment and he hasnt been able to access the money at all. He has been calling the support center and chatting with them through the app but they keep saying its an easy fix and it will be done in 2-3 days it is XX/XX/year> and nothing has been done. We have been calling and chatting and nothing. I want to dispute the charge cancel it but they keep saying the same thing. It will be done let me submit the ticket. They are the least helpful support center there is. For months now they promise a resolution but we are not getting any. My husband XXXX the recipient doesnt want anything to do with Cashapp anymore he isnt a patient person as it is and he is fed up and very angry. I am also angry. I feel like we are ignored and dismissed. This really is an easy fix between mine and my husbands account we just want the transaction cancelled. We actually both together spoke on the phone with support member and both verified this information both verified our accounts but they still refuse and they still are repeating the same rehearsed speech. Its pointless and such a waste of time. My husband and I work very hard and we have five children and we are fed up with CashApp playing games. Please cancel that payment and let this dispute just end please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This debt is fraudulent. I have never had an account with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was unable to apply for a loan and also get my tax refunded which have been accepted by the federal and state government

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Nav Technologies, Inc.
State: AZ

Complaint narrative:
Complaint Against NAV Regarding Unresolved Fraudulent Charge and Threatened Credit Reporting I am submitting this complaint regarding NAV and its handling of a fraudulent debit card transaction in the amount of {$82.00} that remains unresolved despite repeated attempts on my part to correct the issue. I held a NAV debit card connected to my business account. Two unauthorized transactions occurred on the card : {$970.00} {$82.00} I immediately reported both transactions as fraudulent. My business bank, XXXX, conducted an investigation and confirmed that both charges were fraudulent. XXXX reversed both transactions and credited my account. Following that investigation, NAV instructed me to contact XXXX because they stated the debit card was issued through XXXX. I contacted XXXX and completed their investigation process. XXXX reversed the {$970.00} transaction. However, XXXX informed me they could not locate the {$82.00} transaction in their system and therefore could not take action on it. Since that time, NAV has continued to insist that I resolve the issue with XXXX even though XXXX confirmed they can not see the transaction and can not process a dispute. I have : called NAV multiple times emailed NAV repeatedly escalated the matter through support channels spoken with a manager contacted Visa multiple times contacted the team NAV instructed me to email waited for promised follow up responses that never came Despite all of this, NAV continues sending notices stating that the unresolved {$82.00} charge may be reported negatively against my business credit profile. This is extremely concerning because : The transaction has already been confirmed as fraudulent by my bank I have made repeated good faith attempts to resolve the issue Visa confirmed they can not see the transaction NAV continues directing me back to Visa instead of resolving the issue internally NAV is now threatening credit reporting action over a disputed fraudulent charge At this point, I am being sent back and forth between institutions without resolution. I am requesting the following : immediate removal of the {$82.00} fraudulent charge from my NAV account written confirmation that no negative reporting will occur related to this matter correction of any reporting already made confirmation that my business credit profile will not be impacted This issue has been ongoing for over a month despite repeated escalation attempts on my part. I am requesting regulatory assistance to ensure this matter is resolved promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint regarding two collection accounts being reported by Resurgent Capital Services on behalf of LVNV Funding LLC. On or about XX/XX/year>, I submitted a written debt validation request pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The request was sent via certified mail and specifically requested documentation including a signed agreement, complete payment history, and documentation showing the chain of assignment and ownership of the alleged debts. On XX/XX/year>, and XX/XX/year>, the company responded with account summary reports. However, these responses did not include the required documentation to properly validate the debts. No signed agreement, complete payment history, or chain of title was provided. Despite failing to provide proper validation, the company continues to report these accounts to consumer reporting agencies. Reporting a debt without sufficient validation is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). Because the company has failed to meet its obligation to validate the alleged debts, I am requesting the immediate deletion of these accounts from all consumer reporting agencies. If the company can not provide full validation as required, they must cease collection activity and remove all associated reporting. I am not requesting further correspondence unless it includes full and complete validation. Otherwise, I expect confirmation that these accounts have been deleted.

Company response to consumer: Closed with non-monetary relief