vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year> at XXXX XXXX, I received a text message that appeared to be from Cash App Loan Support offering a {$900.00} credit line and prompting me to click a link to apply. The message requested personal and financial information, including my name and card details. I began filling out the form but stopped before completing it because I became suspicious and did not fully submit the information. On XX/XX/year> at approximately XXXX XXXX, my Cash App account was accessed without my permission from a new device located in XXXX, United States. I do not live there, and did not authorize this login or any activity from that location. After gaining access, the unauthorized user : Withdrew {$130.00} from my Cash App balance Used the Cash App Borrow feature to take out {$200.00}, which I did not knowingly authorize Combined these funds and sent approximately {$340.00} to another Cash App account under the name XXXX XXXX, with the note XXXX Attempted to withdraw additional funds from my linked bank account, but was unsuccessful I discovered these unauthorized transactions the same day they occurred and immediately reported them to Cash App. I provided supporting evidence, including screenshots, transaction records, and proof of an unfamiliar login location and device. I also confirmed I have no prior relationship or transaction history with the recipient account. Cash App initially reviewed my dispute but denied my claim on XX/XX/year>. I submitted a request for reconsideration the same day with additional evidence, but the case was closed again on XX/XX/year> without resolution. I also contacted Cash App support again and informed them that I intended to escalate the issue to the Consumer Financial Protection Bureau ( CFPB ), and requested that my dispute be canceled. As of XX/XX/year>, it has been well over the typical XXXX day review period referenced for dispute resolution, and I have not recovered any of the stolen funds or received meaningful updates regarding my case. As a result : I have not recovered the stolen funds I am still being required to repay the {$200.00} Cash App Borrow amount, despite the loan being taken through unauthorized access My account has not been fully secured, and I remain concerned about ongoing unauthorized access risks I remain financially impacted by transactions I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: NJ

Complaint narrative:
I purchased a jersey for {$79.00} on XXXX via a live stream on XX/XX/year>. Upon receiving the item, I discovered multiple puncture holes that were not visible during the live stream and were never disclosed by the seller. I filed a chargeback with XXXX on the grounds that the item was materially different from what was represented at the time of sale. XXXX denied my dispute, citing the merchants all sales are final policy. However, all sales are final does not apply to items that are damaged or misrepresented I did not request a return due to buyers remorse, I received a physically damaged item that was not accurately described. XXXX sided with the merchant without adequately considering that the damage was concealed and undisclosed. I have photographic evidence of the damage upon receipt. I have reached out to whatnot but whatnot has flagged my account and I no longer have buyer protection. I called discover to open an appeal and they told me that there is nothing they can do. They recommended me to open a claim with XXXX. I asked to speak to a supervisor and was told to call another time. I have XXXX other open dispute with XXXX for the same reason but it seems as I wont be able to get the support I need. I provided email conversation I had with whatnot and messages from the seller ignoring me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Guild Holdings Company
State: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate credit reporting by Guild Mortgage Company LLC in violation of the Fair Credit Reporting Act ( FCRA ). My mortgage account with Guild Mortgage was impacted by a delayed closing process that was fully known and acknowledged by all parties involved, including Guild Mortgage. The closing timeline was extended due to circumstances outside of my control related to the buyers financing failure, which resulted in a rescheduled closing in XX/XX/year>. During this period, I did not voluntarily miss or refuse payment obligations. The account status and payment reporting during this time do not accurately reflect the agreed-upon servicing timeline or the documented circumstances surrounding the transaction delay. Guild Mortgage has continued to report derogatory information ( late payment status ) that does not accurately reflect the accounts status or the known servicing context. I have attempted to resolve this matter directly with Guild Mortgage through escalation channels ; however, my concerns have not been properly routed to the correct department, and I have not received a substantive investigation or correction. Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to : * Provide accurate and complete information * Investigate disputed information in a reasonable manner * Correct or delete inaccurate, incomplete, or unverifiable information I am requesting : 1. A full reinvestigation of the reported late payment ( s ) 2. Correction or deletion of any inaccurate credit reporting related to this account 3.Written confirmation of the investigation outcome and any updates submitted to the credit bureaus 4.Documentation of the methodology used to verify the accuracy of the reporting This issue is materially impacting my credit profile and ability to obtain financing. I am requesting immediate review and correction in accordance with federal credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed the above-referenced account with Jefferson Capital Systems LLC , demanding they provide me with some kind of contact and identification verification used at the time of this transaction, a signed contract between myself and the company used during the transaction, or any other relevent information to legally support the {$100.00} debt they claim I owe them. even though the company has failed to privide me with any of the information requested in the initial dispute, they continue to report negative remarks on my credit profile that is affecting my livelihood. On XX/XX/XXXX, Jefferson Capital Systems LLC reported a " late payment '' on my credit profile that dropped my score tremendously. This negative activity has significantly affected my personal and professional life. To date, Jefferson Capital Systems LLC is STILL reporting this account on my credit profile. Despite my efforts to resolve this matter directly with Jefferson Capital Systems LLC the issue has not been resolved. This company has failed to respond adequately and continues to engage in the same predatory conduct. I believe this behavior violates consumer protection laws pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), the furnisher was legally required to conduct a reasonable investigation and report the results within the statutory timeframe. Their failure to respond constitutes a failure to investigate. Because no verification was provided to me within the time allowed by law, the continued reporting of this account is inaccurate, unverifiable, and unlawful. As such, you are required to DELETE this account immediately from my consumer file. Any attempt to continue reporting this account, or to reinsert it without proper certification as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), will be considered willful noncompliance and negligent violation of federal law. Pursuant to 1692e ( 10 ) clearly these two entities are using deceptive means to collect a debt, which is also unlawful. As a result of this issue, I have suffered the following harm ( s ) : Financial loss Damage to credit Emotional distress / inconvenience Denial of credit and job opportunities Homelessness

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: FL

Complaint narrative:
The kept charging me months of the gym membership when I canceled after the free trial. They never canceled it after I reached out multiple times to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/XXXX, PayPal debited my account for {$400.00} and {$61.00}, totaling {$460.00}. These transactions were labeled as internal " Corrections '' and were not authorized by me. I attempted to resolve this through PayPals official support channels on XX/XX/XXXX. The PayPal Assistant bot was unable to locate these transactions because they are from XXXX. When I finally reached a live agent ( Agent " M '' ), they refused to investigate or provide a Case ID, stating they could not take action because the account is " limited permanently ''. Under Regulation E ( 12 CFR 1005.11 ), a permanent limitation does not exempt a financial institution from its legal duty to investigate a Notice of Error. PayPal has failed to provide the original Transaction IDs linked to these corrections or any evidence of a valid reversal. Furthermore, PayPal is continuing to hold a remaining balance of XXXX. I am requesting a full investigation into these unauthorized " Corrections, '' a refund of the {$460.00}, and the immediate release of my funds. The 'Correction ' amounts do not match any single transaction in my history. For example, a payment from XXXX XXXX was only {$5.00}, yet PayPal debited {$61.00}. This discrepancy demonstrates that these are not simple reversals, but rather unexplained institutional errors or bundled charges that I was never given the opportunity to dispute. '' My PayPal is is. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am disputing a collection account reported by Midland Credit Management on my credit report in the amount of approximately {$1100.00}. I previously requested full validation of this debt, including the original creditor, signed agreement, complete payment history, and proof that Midland Credit Management has the legal right to collect. To date, this information has not been provided. Midland continues to report this account to the credit bureaus despite failing to provide proper validation. I do not believe this debt has been sufficiently verified as belonging to me. This inaccurate and unverified reporting is negatively impacting my credit profile and my ability to obtain a mortgage. I am requesting that Midland Credit Management either provide full and proper validation of this debt as required under the Fair Debt Collection Practices Act, or immediately delete this account from all credit reporting agencies. Continued reporting of unverified information may constitute a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am seeking a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning in approximately XX/XX/XXXX, unauthorized XXXX debit entries were repeatedly initiated against my business checking account ( ending in XXXX ) at JPMorgan Chase Bank by an originator identified as " XXXX '' ( Originator XXXX : XXXX and XXXX ). These recurring debits of approximately {$910.00} and {$850.00} each were never authorized by me or any officer of my company, XXXX XXXX XXXX XXXX We have no business relationship with this entity and never signed any ACH authorization form. The total unauthorized debits amount to approximately {$5300.00} or more. I filed a dispute with Chase on XX/XX/XXXX ( Claim No. XXXX ). Chase partially denied the claim in a letter also dated XX/XX/XXXX, stating that the transactions appeared on the XX/XX/XXXX statement and were reported outside Chase 's XXXX window for business banking claims. Chase reversed only XXXX transactions ( {$850.00} each ) and some fees, but denied recovery of the remaining unauthorized debits. On XX/XX/XXXX, I called Chase to discuss the denial. The representative told me I needed to " contact the merchant '' to prove the debits were not authorized. This improperly shifts the burden of proof to me. Under the NACHA Operating Rules, the originator is required to maintain written authorization, and the RDFI ( Chase ) has the ability to request proof of authorization from the ODFI through Extended Returns and WSUD procedures. Chase has failed to use these mechanisms and has instead placed the burden on me to resolve the fraud with the merchant directly. I believe Chase has failed in its obligations by : ( 1 ) denying my fraud claim based solely on an internal 30-day policy while ignoring NACHA rules and UCC Article 4A protections ; ( 2 ) refusing to investigate or initiate Extended Returns for unauthorized entries ; ( 3 ) telling me to " contact the merchant '' rather than using its own processes to verify authorization ; and ( 4 ) leaving my business account exposed to ongoing fraud for months without adequate protection or notice. I am requesting that Chase fully investigate all unauthorized XXXX XXXX debit entries, initiate Extended Returns and XXXX claims, credit my account for the full amount of all unauthorized debits, refund all associated fees, and provide a written explanation of its investigation findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am writing to formally dispute a series of unauthorized transactions that occurred on my Cash App account between XX/XX/year>, and XX/XX/year>. During this entire period, I was incarcerated and therefore had no access to my mobile device, Cash App account, or any financial instruments associated with it. Despite this, a total of approximately {$5100.00} was transferred from my account without my knowledge or authorization. These transactions appear to have been conducted through XXXX XXXX and involved transfers to an individual whose name and contact information do not match mine. I have reason to believe this activity constitutes fraud and possible money laundering. The transactions were initiated from a new device and by an unauthorized user, which should have triggered security alerts and preventative measures within your system. I have made multiple attempts to resolve this matter by submitting disputes, contacting customer support, and providing all requested documentation. This includes official records verifying my incarceration during the time the transactions occurred, as well as supporting evidence demonstrating that I could not have authorized these transfers. To date, I have only been reimbursed {$100.00} out of the {$5100.00} that was fraudulently taken. Additionally, I have been unable to escalate this claim further or obtain meaningful updates or explanations regarding the investigation. Given the clear evidence and circumstances, I am requesting : A full reimbursement of the remaining unauthorized funds A detailed explanation of how this breach occurred Documentation of the investigation findings Information on how an unauthorized user was able to access my account from a different device without proper verification This situation has caused significant financial hardship and distress. I respectfully request that this matter be reviewed promptly and resolved in full. If necessary, I am prepared to pursue further action through regulatory agencies or legal channels. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: VA

Complaint narrative:
Got an XXXX XXXX credit card offer through Citi in the mail for XXXX miles. I had a flight shortly thereafter. On the flight, I told the flight attendant about the offer, and she said that if I signed up in-flight I would get the XXXX. Now that I signed up, I see I am only getting XXXX basic offer.

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 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute a fraudulent utility account and the subsequent collection action appearing on my credit report. On XX/XX/XXXX, I received an alert from XXXX regarding a delinquent debt placed with Torres Credit Services. Upon investigation and contact with XXXX XXXX XXXX XXXX XXXX XXXX, I discovered that an unauthorized account was established using my Social Security number. Service Provider : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Service Address : XXXX XXXX XXXX XXXX, CA XXXX Period of Fraudulent Activity : XX/XX/XXXX XX/XX/XXXX Total Disputed Amount : {$270.00} I did not authorize the opening of this account, I have never resided at the address listed above during the period in question, and I have no association with the individual that opened this account. This account was opened through the fraudulent use of my personally identifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I opened my Chase bank account on XX/XX/XXXX. I was informed by XXXX that there would be a brief hold on my check because its a new account, but id probably have it by XX/XX/XXXX. On XXXX, I called Chase bank to ask about my funds. I was then informed it would be held until XXXX/26 because of policy. I made several attempts at having the bank clear my check so that I could pay my routine bills with the money I just spent XXXX weeks working hard to earn. One man with the fraud department, who said his name was XXXX, told me hed have it released on the night of XXXX/26 by midnight. The next day my funds werent available so I called the same department and was told they had no one by the name of XXXX, so I was given a fake name. I had at least XXXX people tell me my funds would be released while others said no. Now my car insurance has lapsed and my phone will be getting shut off on XX/XX/XXXX, I also had a medical bill not get paid because of the hold. They gave me no real reason as to why there was a hold, other than we can. Chase Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
This bank just closed and blocked my bank account XXXX long time ago ( close to reach XX/XX/XXXX years ) without any reason or any notification or something and at this time has passed around XX/XX/XXXX months without receive my respective refund check, they just not send my refund check with my avaliable balance for around XXXX USD held at the moment of closure, already called, go to branches and every time on a branch the bankers just not able to help because have lack of knowledge about the situation or they just not able to locate my details account because " maybe are deleted on system for long time since closure so after that I will contact many times on the support line and they just refusing solve anything because doesnt have any knowledge about the situation, many contacts and many request and this bank just held my money without any reasons and have passed many months and nothing happened, so definitely need attention on this matter and my funds on the respective check, this bank is acting like an arbitrary institution.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for Chase XXXX XXXX credit card with promotional bonus XXXX points with requirement to spend {$5000.00} during 90 days. I spent {$6000.00} during that time but did not received bonus. When applied for card nobody told me about it ( I filed standard form online ) for my request I received FIRST LATTER IN 4 months that I was approved WITHOUT BONUS. I would never agreed to obtain that cart without bonus and after all they charge {$95.00} annual fee like for customers who received that bonus. I believe this situation involves a lack of clear disclosure and request fair solution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation