vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by XXXX XXXX under Account # # XXXX * * * *. Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activityincluding credit reportinguntil they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal debt parking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: OR

Complaint narrative:
Got it the XXXX distance makes the hardship worse because you rely on mobile banking. XXXX the updated CFPB draft with those details added : -- - * Company Name * : Cash App / Block , Inc . * Product * : Mobile or digital wallet, money transfer, mobile check deposit * Issue * : Incorrect information from customer service causing financial hardship * Complaint text * : On XX/XX/year>, I contacted Cash App support regarding depositing a government-issued check via XXXX XXXX. I live XXXX miles from the nearest town and rely on mobile banking due to the driving distance. Cash App customer service specifically instructed me to endorse the check with " CashApp deposit only '' on the back to complete the deposit. I followed these instructions exactly and submitted the check through Cash App on XX/XX/year>, Cash Apps system then rejected the deposit. When I contacted support again on, XXXX, I was told the issue is " specific to the check '' and that I must contact the issuer to have it reissued, which will take XXXX weeks. Cash App 's instructions directly caused this problem : XXXX. Their support agent provided specific endorsement language that their own automated system rejected. XXXX. This endorsement has rendered the check uncashable at other financial institutions, because it restricts deposit to Cash App only. XXXX. I live XXXX miles from town and use mobile banking to avoid long drives. Because of Cash Apps error, I am now forced to either wait XXXX weeks for a reissue or make a XXXX round trip to a check cashing location, incurring gas costs and time off. This defeats the entire purpose of mobile banking. As a direct result of relying on Cash App 's directions, I am without access to these funds and face significant financial inconvenience and added expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I requested information as to why my account was closed in the form of a written letter. I never received this information. The only thing that was said to me over the phone was that the bank no longer wanted to do business with me. No reasoning or explanation... which I asked for via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi has made it prohibitively difficult, bordering on impossible, to actually redeem the promised rewards accrued with their credit cards. I am one of many who have had this experience. I have accrued nearly {$200.00} worth of rewards on the Citi Custom Cash Card. Citi has made it impossible to actually redeem these rewards, by way of designing their website to return errors whenever one attempts to access the reward redemption page from their account. They have an alternative access point ( thankyou.com ), which fails to load entirely. I have attempted to access the rewards through both methods over XXXX times on different devices and browsers, across the span of nearly XXXX years. On the one occasion where I was able to access the rewards page, I was able to get to the checkout page -- the page then timed out.

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
I have been receiving constant phone calls of harassment, abusive and profane language, threats of being sent to jail and prison from LVNV Funding LLC debt collection representatives for a debt collection account of {$350.00}. The debt collection account from LVNV Funding is a fraudulent account, not my account and is the result of identity theft. LVNV Funding LLC is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law 15 USC 1692. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Abra

Complaint narrative:
Dear XXXX, I am an international Abra customer ( Abra APP ID : XXXX ). All of my funds went to zero on XX/XX/year>. These transactions were all made on the same day and roughly the same time and were all withdrawals ( see screenshot XXXX ). It looks like my account was accessed by an Abra internal thief. Since Abra custody over my funds, Abra should be fully responsible for my assets loss and return all of my assets including XXXX, XXXX, XXXX etc. These assets now are valued around XXXX XXXX, I can not lose it and my assets mean a lot to me. Please push Abra to act to return my funds back ASAP because I have been waiting for nearly XXXX year! Abra support has NOT responded me for nearly a year! Regards

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX XXXX did not provide any services for me that I called them for as they advertised. They offer a money back guarantee. I called and emailed and had text chats with the company. My so called account rep XXXX told me in XX/XX/year> that my refund was issued and could take up to 21 days to receive. I called back 30 days later and they told me they would reissue the refund. I called chase bank to dispute the charges. I was issued a credit for the charges. XX/XX/year> anthem tax charged my chase account with no communication and no authorization. I need my money back. This is theft. The company that stole my money is Anthem tax services ( XXXX ) XXXX out of California Or I want chase bank to put my money back in my account and block this thieving company ANTHEM TAX SERVICES

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to report a fraudulent credit card account opened in my name with American Express as a result of identity theft. The account details are as follows : Creditor : American Express Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Credit Card Date Opened : XX/XX/year> Status : Open I did not apply for, authorize, or have any knowledge of this account. This account was opened using my personal information without my consent. I have made efforts to address this issue directly with American Express, requesting that the account be closed and removed from my credit report. However, this matter has not been resolved satisfactorily. This fraudulent account is negatively impacting my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I have the right to have information resulting from identity theft blocked and removed from my credit file. I am requesting that the Consumer Financial Protection Bureau assist in ensuring the following actions are taken : Immediate closure of the fraudulent account. Removal of the account and all associated history from all credit reporting agencies. Confirmation that the account has been reported as identity theft. Written confirmation that this matter has been fully resolved. I have also filed an Identity Theft Report with the Federal Trade Commission and can provide supporting documentation upon request. Please investigate this matter and ensure prompt resolution. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: FL

Complaint narrative:
I am experiencing an ongoing issue with my Gemini account where my funds of XXXX have not been released. On XX/XX/year>, I initiated a wire transfer from XXXX XXXX XXXX XXXX to my Gemini account. After the transfer, my account became restricted. Gemini requested additional identity verification, including a selfie holding my drivers license and a handwritten verification code provided via email, along with the date the photo was taken. I complied with all instructions and submitted the required verification twice : * First submission : XX/XX/year> * Second submission : XX/XX/year> For additional context, I opened my Gemini account while visiting family in Hawaii and have since changed mobile devices. Due to my physical condition, I also access my account using more than XXXX device depending on accessibility needs, which may have contributed to security flags on the account. Since completing verification, I have not received any updates, responses, or resolution. As of XX/XX/year>, my account remains blocked and my funds have not been released. I have also sent follow-up emails requesting assistance and clarification, but I have not received any meaningful response. I am requesting an immediate review of my account, release of my funds, and a clear explanation for the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
Dear CFPB, I am writing to formally file a complaint regarding a dispute I submitted through Experian concerning a debt collection account from my former apartment complex. I believe the amount reported is inaccurate because I was overcharged. Specifically, after I moved out, the complex billed me for maintenance costs that I did not incur. For example, despite living there for over XXXX years, I was promised a free carpet replacement by the leasing XXXX, yet they charged me for it. Additionally, they demanded payment for water bills in XXXX and XXXXrbills I had already paidand even though I stayed in XXXX only XXXX days, they billed me for the entire months water. Moreover, they charged me for repairing the wood floor where the washer was placed. This is not my responsibility, as my apartment was the only XXXX with an in-unit washer. All other units had their washers outside in the garage. The damage to the floor was due to a leak from the washer, which was designed by the complex to be inside. It is therefore their fault, not mine. Despite my attempts to resolve this directly with the company, they refused to negotiate. When the debt was sent to collection, XXXX merely marked it as overcharge without fully reviewing the details. I request that the CFPB investigate this matter, as I believe my rights under fair billing practices have been violated. I seek a fair resolution to these unjust charges. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
At the end of XX/XX/year>, I discovered unauthorized charges of over {$1000.00} on my credit card and immediately reported them to my bank. On XXXX [ insert date ], 2026, I identified an unauthorized bill pay transaction of {$460.00} from my checking account to XXXX. This transaction was not authorized by me. I have consistently used my credit card for automatic payments, typically around {$17.00} per month, and have never set up bill pay through my checking account. Upon discovery, I promptly notified my bank regarding the unauthorized bill pay transaction and took steps to secure my accounts to prevent further unauthorized activity.

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 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
My XXXX ID was compromised and unauthorized debit transactions were made. I reported the fraud on XX/XX/XXXX after discovering the unauthorized activity. The bank denied my claim based on timing ( transaction was since XX/XX/XXXX ), but I dispute that the deadline was calculated correctly and request a full review under applicable electronic funds transfer protections. Bank of America deny and closed my claim on XX/XX/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 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
The collection reported by Columbia Debt Recovery is inaccurate. The move-out statement provided by the original creditor lists a move-out date of XX/XX/year> ; however, I vacated the property earlier and was under another lease by XX/XX/year>. The balance includes rent and fees for a period after I vacated the unit. Because the balance is inaccurate and unverified, I request deletion of this account under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
I am submitting a formal complaint regarding the servicing of my XXXX mortgage loan. My servicer is Home Loan Serve ( Idaho Housing ) Attached is my completed complaint along with supporting exhibits and documentation for your review. This complaint outlines concerns related to the handling of my loan modification, acceptance of trial payments, communication issues, and the progression of foreclosure proceedings while I was actively engaged in loss mitigation efforts. It also addresses the servicers actions during my bankruptcy and the circumstances surrounding relief from the automatic stay. The servicer continued to pursue foreclosure and obtained relief from the automatic stay without providing the XXXX with a complete and accurate representation of my loss mitigation status and ongoing compliance. When the servicer sought relief from the automatic stay, the court was not informed that I had been approved for a modification, was actively performing under the trial plan, and had made payments that were accepted. The attached exhibits include a detailed timeline, proof of payments, communication records, document submission evidence, and foreclosure-related information. These materials demonstrate my ongoing good-faith efforts to resolve the loan and the inconsistencies in the servicers handling of my account. This matter is time-sensitive, as I am currently facing eviction proceedings. I respectfully request that this complaint be reviewed as soon as possible and that any available assistance or intervention be considered. Please confirm receipt of this submission. I am available to provide any additional information or documentation upon request. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: IA

Complaint narrative:
In XXXX my XXXX asked if we could get solar, he tried on his own but didnt get it he asked me if I would help, I talked to the company they ran my SS and said I was approved. A couple weeks later my mom passed away and my boyfriend had a false restraining order taken out on me which forced me to leave the house. I received a call that there was a company at my house installing solar, I had to call down to the court house to find out who it was. I called them immediately and told them to stop all work, that I was not going to have any solar installed as I wasnt even living there, at this time all they had done was install the brackets on the roof. They did stop for about XXXX XXXX months and then I received another call advising that the company was back at my house installing solar. So again I called and told them that A. I dont remember signing anything let alone seeing a contract. They advised me that they only needed XXXX person on the contract to move forward with the installation and that they got that from my ex boyfriend. I then requested to see my signature and they sent me a contract with only my initials that were computerized, I again requested to see my signature as I was pressing charges against my ex as I believe he signed my name. They still could not produce my signature because I never seen a contract let alone signed anything. At the time all this was happening I was dealing with my mothers passing and my brother being charged for it. My relationship of XXXX years over all with in a month. I have called this company several times and tried explaining the situation and that I needed the contract that they said I signed to take to the police to press charges against my ex, and yet here we sit 4 years later with nothing. They have ruined my credit. I am back in the house now after XXXX years and the solar hasnt worked once, my roof in now leaking where they installed the panels, the shed that they also put solar on is about to collapse because it never should have been installed. I have the contact that they sent me and my signature is no where to be found, it has my initials that were generated by a computer, but in order to generate those initials you first have to sign your full name, but yet no signature anywhere in this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am disputing a collection account that was recently reported on my credit report. I requested validation of this debt, but I have not received sufficient documentation proving the accuracy of the amount or that it is being correctly attributed to me. The account was also added to my credit report significantly after the alleged delinquency occurred. I am requesting investigation of this account and removal if it can not be properly validated and verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
XXXX cancelled credit card then charged credit card off as profit loss and wont furnish me with a 1099-c so I can add to my taxes so they are reporting a charge off and income on my credit report wich information is getting report inaccurate and also has sold account to a collection agency so they dont have the rights to be reporting anything

Company response to consumer: Closed with explanation