vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing an official complaint against capital one credit cards and all credit cards regarding a severe lack of financial transparency in my credit card transaction ledger. The online banking portal and mobile app only display a list of individual transactions. They completely omit a " running balance '' or " updated balance '' column between individual line items. Currently, my reported balances appear incorrect. Because the institution does not provide an updated balance after each individual charge, fee, credit, or payment, it makes it incredibly difficult to track my spending and know what data is actually real or accurate. Without a running balance, I am prevented from performing a basic audit of my own account. I can not distinguish between properly settled transactions and potential system glitches or double-charges. This layout forces the consumer to perform manual accounting just to verify if the bank 's reported totals are accurate and with someone with a balance and multiple charges, you can see that this would cuse issues. This lack of transparency is a failure of basic account management and compromises my ability to monitor my financial records for errors or unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
So on XX/XX/XXXX my Chime account was hacked and I was locked out and I tried multiple times to regain access to my account but I could not because I had no valid state id because mine was expired so finally on XX/XX/XXXX I got valid id and was finally able to regain access to my Chime account I immediately noticed over 100 fraudulent charges that happens ranging from XX/XX/XXXX to XX/XX/XXXX. The fraudulent charges equaled over XXXX $ so I disputed the charges and now on Friday XX/XX/XXXX I get a message from chime saying that on XX/XX/XXXX they are closing my account. They have not given a real reason why and have not gave me any updates on my disputes.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: QC HOLDINGS INC
State: ID

Complaint narrative:
b'I am filing this formal complaint against QC Financial Services (LendNation) for a severe violation of consumer protection laws, specifically an unlawful vehicle repossession executing a breach of the peace under Idaho Code XXXXOn XXXX XXXX XXXX, at approximately XXXX, QC Financials third-party repossession agents seized my vehicle, a XXXXXXXX XXXX XXXX XXXX, from my property.\nThe repossession was entirely illegal under Article 9 of the Uniform Commercial Code (UCC) due to the following actions by the field agents:\nViolation of Explicit Verbal Protest: I was physically present during the encounter and explicitly, unambiguously objected to the repossession. I commanded the agents to stop and leave my property. Under Idaho law, a debtors verbal protest terminates the lender\'s right to "self-help" repossession. By ignoring my active non-consent and continuing the tow, the agents committed a per se breach of the peace.\nThreats and Constructive Force: When I verbally protested, the repossession agent threatened to call the police and have me arrested. Using threats of law enforcement action to intimidate a consumer into surrendering property constitutes unlawful coercion and an independent breach of the peace.\nBecause a breach of the peace occurred, QC Financial lost its lawful right to possession of the vehicle, rendering the seizure civil conversion (theft). Under Idaho law, the secured lender retains strict, non-delegable liability for the unlawful actions of its repossession contractors.XXXX XXXX XXXX XXXX QC Financial formally received a written Dispute and Notice of Unlawful Repossession sent via XXXX Certified Mail (Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX.\nRather than responding to address this severe compliance failure, halting the sale, or returning the vehicle, QC Financial has completely stonewalled me. They are refusing to answer my phone calls, withholding my account details, and actively denying me the ability to resolve this matter.'

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 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App has been holding my funds for approximately one year due to alleged suspicious activity. The funds were placed on hold around XX/XX/year>, and despite multiple attempts to resolve the issue, the money has not been released. The amount being held is approximately {$92.00}. Since the hold was placed, I have contacted Cash App support multiple times through the app and/or email. I have complied with all requests for information and identity verification that were provided to me. However, I have not received a clear explanation of the specific activity that was considered suspicious or what additional steps are required to release my funds. The company has continued to retain my money without providing a reasonable timeline for resolution. After approximately one year, I believe this delay is excessive and unfair. I am requesting that Cash App provide a detailed explanation for the hold, complete any necessary review promptly, and either release my funds immediately or provide a lawful basis for continuing to withhold them. I am seeking the return of my funds and a written explanation of the actions taken on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, an unauthorized charge of {$9.00} from 'XXXX ' was processed against my account while my Cash App card was locked. I have disputed this transaction multiple times, and Cash App keeps wrongfully denying it. Cash App sent an official denial letter claiming they can not investigate because the transaction involved 'non-fiat currencies ( e.g., cryptocurrency ) or XXXX. ' This is factually false. As shown on the official Cash App receipt ( attached as XXXX ), this was a standard XXXX XXXX ( USD ) transaction deducted directly from my cash balance. Cash App is failing to honor its own card-lock security features and is using completely fabricated reasons to deny a legitimate fraud claim. I want my {$9.00} refunded immediately. '' cashapp information email XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing a complaint regarding the handling of a credit card billing dispute. I disputed a transaction involving merchandise that I believe was not delivered as described. The dispute was initially opened and a provisional credit was issued. The provisional credit was later reversed. I have since been informed that the dispute has been reopened or remains under further review. However, despite multiple contacts with customer service, I have not been provided with clear instructions regarding how to submit additional evidence, where such evidence should be sent, what deadlines apply, or what documentation is needed for consideration. I have specifically requested information regarding : Whether the dispute remains open or under review How to submit additional supporting documentation The deadline for submitting evidence The basis for the current dispute status and decision-making process In addition, I am currently traveling internationally. I have requested that dispute-related communications, requests for documentation, deadlines, and decisions be provided electronically by email or through a secure online portal. I have been told that communications are sent only by physical mail to my mailing address. Because I am outside the United States, relying solely on postal mail substantially limits my ability to receive notices in a timely manner, understand deadlines, respond to requests for information, and meaningfully participate in the dispute process. My concern is not merely the outcome of the dispute, but that I am being denied a meaningful opportunity to participate in the process because I have not been provided with a method to submit evidence and I am not receiving timely access to dispute-related communications while traveling internationally. I am requesting that the card issuer : 1. Clarify the current status of the dispute. 2. Provide a method for submitting additional documentation. 3. Identify all applicable deadlines. 4. Explain the basis of any prior dispute determination. 5. Provide dispute-related communications electronically by email or through a secure online portal while I am traveling internationally. 6. Confirm that any evidence submitted will be considered before a final determination is made. I am seeking a fair review process, timely access to dispute-related communications, and clear instructions regarding my rights and obligations during the dispute investigation.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I am filing this complaint as a follow-up to prior CFPB Case No. XXXX, filed XX/XX/XXXX, which was closed after Resurgent Capital Services responded on XX/XX/XXXX. Significant new facts have developed since that complaint was closed. LVNV Funding LLC has filed three separate lawsuits against me in the XXXX XXXX XXXX of XXXX XXXX, Michigan on two alleged XXXX XXXX XXXX accounts : Case No. XXXX ( {$1200.00} ) : Filed XX/XX/XXXX. Dismissed XX/XX/XXXX for non-service. Case No. XXXX ( {$1100.00} ) : Filed XX/XX/XXXX. A default was entered against me on XX/XX/XXXX despite certified mail service being returned unserved on XX/XX/XXXX. LVNV then took no further action. Dismissed XX/XX/XXXX for lack of progress. Case No. XXXX ( {$1100.00} ) : Refiled XX/XX/XXXX by the same attorneys, same amount, same alleged debt. Currently pending. In their XX/XX/XXXX CFPB response, Resurgent described Case No. XXXX as " currently pending. '' A Notice of Intent to Dismiss had been issued on XX/XX/XXXX 35 days before their response. The case was dismissed the following day on XX/XX/XXXX. In response to my prior XXXX complaint ( XXXX XXXX. XXXX ), Resurgent produced bills of sale showing a five-step chain of ownership from XXXX XXXX XXXX to LVNV. Every Exhibit A the account schedule that is supposed to identify specific accounts transferred is blank in all five bills of sale. No account numbers or identifying data appear in any of the assignment documents. XXXX conducted a full FCRA reinvestigation of the first account ( ending in XXXX, {$1100.00} ) and deleted it from my credit report on XX/XX/XXXX, finding it could not be verified. XXXX also conducted a separate FCRA reinvestigation of the second account ( ending in XXXX, {$1200.00} ) and deleted it from my credit report on XX/XX/XXXX, finding it could not be verified. XXXX separately conducted a full FCRA reinvestigation of the first account ( ending in XXXX, {$1100.00} ) and deleted it from my credit report on XX/XX/XXXX, also finding it could not be verified. Despite deletions by two major credit bureaus on both accounts, LVNV continues to report both accounts to XXXX and has refiled a lawsuit on the {$1100.00} account. Both collection accounts remain on my XXXX credit report as disputed. In their XX/XX/XXXX CFPB response submitted after XXXX had already deleted both accounts and after XXXX had deleted the first account Resurgent stated the accounts " should not be deleted '' and are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: Block, Inc.
State: AR

Complaint narrative:
I have had my debit card number stolen and they purchased 2 XXXX games on Cash App. I asked you XXXX transaction number so I can get XXXX to help find out who stole my money but they didnt As soon as I disputed the charges Cash App closed my account immediately.The person who stole my card used there Cash App account and sent money to a XXXX XXXX on Cash App. I can not get any help with Cash App. When these charges were made I received no notification of charges. I always got notification before for every purchase I have made with my card except for these ones which I think is kind of funny

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 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: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
FORMAL NOTICE OF BILLING ERROR & CONTRACT VOIDABILITY ( FCBA ESCALATION ) ACCOUNT OWNER : XXXX XXXX TOTAL DISPUTED LEDGER : {$1800.00} DATE OF TRANSACTIONS : XXXX XXXX XXXX I am formally submitting this written escalation to dispute a series of linked XXXX XXXX transactions totaling {$1800.00}. Paypals automated algorithm has systematically issued denials based strictly on merchant delivery data, which flatly violates my statutory rights under the Fair Credit Billing Act ( FCBA ) to a meaningful human investigation. Standard delivery tracking does not validate an invalid contract executed by an incapacitated consumer. The underlying transactions are legally voidable due to a documented, severe temporary medical lack of capacity to contract. On XX/XX/year>, I underwent major orthopedic XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX under XXXX XXXX XXXX. XXXX. Following XXXX, I was placed on a continuous, prescribed medication regimen consisting of Schedule II narcotics ( XXXX, XXXX ) and sedatives. My active prescription history and an automated Pharmacy text confirmation from XX/XX/year>, explicitly document my severe chemical impairment and complete breakdown in executive function during the exact days of the spending spike. An incapacitated individual can not provide valid contractual assent. Upon regaining cognitive clarity, I acted in absolute good faith by preserving the bulk inventory factory-sealed at my residence and offering a return, which the merchant flatly refused before permanently deactivating my account. Pursuant to the FCBA, I request that PayPal Credit place an immediate billing and interest freeze on these disputed amounts, update my minimum payment due metrics to eliminate penalties, and manually reverse this entire ledger. PayPal has not resolved my issue through their resolution center and phone calls explaining my situation.

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 2026-06-12 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: Everi Payments Inc.
State: LA

Complaint narrative:
On XX/XX/year> Everit holding took my money from my XXXX XXXX at XXXX ; XXXX XXXX in XXXX XXXX XXXX for {$2400.00} that I never recieved and was cancel from XXXX ; XXXX XXXX in XXXX XXXX, XXXX. Everit holding took my money located at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : XXXX I have not received my money on my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I can not login to pay my loan and navy federal wants me to visit a branch when the branch is far away.

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 2026-06-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I bank with navy federal today is Sunday XX/XX/XXXX. I have made multiple transactions. Everything listed I did swipe and pay for. Now, I recently got paid XX/XX/XXXX leaving me with a balance of XXXX. Now, that I have gotten paid why should I be hit with old pending transactions. For example today is XX/XX/year> and my pending current transactions are from XX/XX/XXXX. So, now Im in a bad overdraft and this is a consistent issue. Now, whenever I get paid Im constantly getting hit with older transactions added to newer transactions. Resulting me to constantly paying extra fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, this matter was escalated for senior administrative review regarding an unauthorized {$6000.00} withdrawal from my saving account. On XX/XX/XXXX, Bank of America issued a final administrative denial. This petition to the CFPB serves as a formal contentment of that administrative determination based on material regulatory non-compliance, lack of administrative due diligence, and systemic authentication failures under the XXXX XXXX XXXX XXXX XXXX XXXX ), 15 U.S.C 1993 et seq. and its implementing Regulation XXXX, XXXX XXXX XXXX. This dispute does not constitute a redundant or standard claim of consumer transaction fraud. Rather, this action challenges the financial institution 's acute operational failure to properly handle, protect, and disperse funds in accordance with federal banking compliance and internal security protocols. Specifically, Bank of America authorized and executed an outward transaction of XXXX from a secured savings account without executing mandatory, successful multi-factor authentication ( XXXX ) to primary account holder. The institution asserts that security authorization text messages were transmitted at XXXX and XXXX pm. This highly irregular five-hour discrepancy between alleged transaction steps constitutes prima facie evidence of a severe technical latency or systemic routing failure within the bank 's communication network. No security tokens, codes, or text transmissions were ever delivered to my primary device. Having completely exhausted all internal corporate escalation channels and received a final denial on XX/XX/XXXX, I am requesting a formal federal administrative intervention. I demand a comprehensive manual audit of Bank of America 's XXXX transmission logs, telecommunication routing logs, and a full XXXX override to reverse the compliance failure.

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 2026-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am submitting this formal complaint regarding unauthorized and unexplained recurring charges by Synchrony Bank. On XX/XX/XXXX, I financed a furniture purchase from XXXX XXXX in the total amount of {$1900.00} through Synchrony Bank. The agreed monthly payment was approximately {$68.00}, starting on XX/XX/XXXX. However, despite the passage of several years since the original financing agreement, Synchrony Bank continues to debit approximately {$38.00} from my account every month. Most recently, on XX/XX/XXXX, another {$38.00} charge was debited from my account. I have attempted to contact Synchrony Bank to obtain clarification, but I have not received any response or explanation. I am requesting the following : A full investigation into these ongoing charges ; A complete Payment History Statement from XX/XX/XXXX to present, including : original balance, interest rates applied, all payments made, any additional products or fees added, current balance, and justification for the continued monthly charges ; Immediate cessation of any unauthorized or improper charges ; A refund of all amounts that were improperly debited from my account. These continued charges raise serious concerns about billing accuracy and potential violations of consumer protection laws. I respectfully request your assistance in resolving this matter and ensuring that Synchrony Bank provides a complete and transparent explanation. Sincerely, XXXX XXXX XXXX XXXX

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
My Bank of America Checking account has been frozen and placed under review. Bank of America did not notify me of this. They will not answer any questions or provide any information about the process or what I can do to access my account. When I call I am just placed on hold for hours.

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