vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> Cash App borrowed from my Cash App account and bought XXXX with the money that they borrowed {$150.00} and I didnt know how to adjust this as far as removing the money from XXXX Cash App only took a report but never did anything about it. Also, there are evidence of an android phone logging into my account. Cash App and I have an XXXX which I never gave my information from Cash App to any other phone or put in my information on any other phone but mine so Cash App has not resolved the issue of XX/XX/XXXX of borrowing money from my Cash App account and then buying bitcoin with {$150.00} that they borrowed for my account which I believe this is the inside job is someone that works for Cash App because no one can get into my account because I have Face ID and I have a pin number and every time I change my pin number they were able to get into my Cash App account and login from an android phone from different states XXXX was one XXXX was another XXXX was another so there was several logins into my Cash App account from someone inside Cash App that knows how to get in to peoples accounts and I believe that it was fraud in my Cash App account through a Cash app Employee. No one can do that unless you actually worked for the company and know how to get in and out of peoples accounts and I wan na put a complaints to Cash App for adrenaline on my Cash App account and it needs to be resolved this is several complaints about it and nothing has been done today. I found out how to withdraw. The amount of money was {$130.00}. And {$.00} from bitcoin to my bank account now bitcoin has sold some of the {$150.00} amount that they borrowed and the remaining was {$130.00} which bitcoin stole money from me basically {$10.00} was taken from me from bitcoin shall I hope and pray that dish issue will be resolved and that it will never happen again. Otherwise youll see a lawsuit on your hands that will remove everything even down to the company and you wont have any access to any of the company. If this is not resolved now this is not a threat is a promise that I will have to pursue this if its not resolved and if it continues to XXXX for me the thief when its found, we have to repay seven times more than what was stolen. It is written.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> I received a call telling me it was Chase Bank Fraud division and someone was taking money from my adcount. There were actually two transactions and they needed me to go into XXXX account on FaceTime to stop activity and transfer money back to me. The total amounnt was XXXX XXXX dollars. They guided me through the process since I had never used XXXX. They showed me the amounts leaving and going back into account. They then told me to go to the bank and talk to manager since the undercover police were there checking on the bank transactions.. I ran to the bank, and found out I had been scammed. I placed an immediate report with Chase Fraud Department and filed a police report. I have a copy of FaceTime call which lasted about 20 minutes. I sent all information to Chase and XXXX both of which have denied me a refund. This was a scam and I should not be held responsible for the transaction. If banks are allowed to promote a product they should have to have some kind of safe guard for this. I had never used XXXX, and as a senior citizen I know that they can prey on us. Since this happened to me I have heard of it happening to many others. What recourse do we have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Hello, I had opened an account on XX/XX/XXXX with XXXX XXXX which has concluded their operations end of XXXX. I was not aware of this news. I have been paying XXXX XXXX XXXX Synchrony Bank for my XXXX account. Theyve been collecting my payments and did not make me aware of the closure of the business. The purpose of the payments is for the services I agreed to with XXXX. XXXX hoping to get reimbursement for the payments I made since Im unable to receive these services now. Thank you

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 2026-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing information currently being reported on my credit report because it is inaccurate, unreliable, and not being reported with the maximum possible accuracy required under federal law. After reviewing my credit file, it is clear that the information being reported is either incomplete, invalidated, inconsistent, or can not be properly verified. At this point, I have serious concerns about how this information was investigated and why it continues to remain on my report despite the obvious accuracy issues. Under the Fair Credit Reporting Act, credit reporting agencies and furnishers are required to ensure that all reported information is complete and accurate. That standard is clearly not being met here. Reporting questionable or unverifiable information that negatively impacts my credit profile is unacceptable and should never have been allowed to continue. I am not asking for a simple update or adjustment. If this information can not be fully verified with proper documentation and reported with maximum possible accuracy, then it should not be on my credit report at all.

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
Consumer complaint received 2026-05-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hope you had a good XXXX XXXX weekend. So my son XXXX and I visited the XXXX XXXX BOFA branch and spoke to the branch manager at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States And he stated that prepaid claims is actually a third company posing as Bank of America and the reason why my moms other claims arent getting approved is because of the other Claimss high dollar amount. The company overseeing this prepaid department is called XXXX XXXX and be reached at XXXX. Is it possible to call this company and shed some light into this situation and help me final resolution. Once again, Bank of America and XXXX is violating regulation e and they are not honoring visas zero policy. Hence, there are no phone number or extensions available to reach this so called claims resolution department. Additionally, XXXX XXXX, who is my direct point of contact person for Regulatory Complaints Department for Bank of America is not doing her job according to the branch manager and suggested that I ask for a different point of contact to help assist me this situation. I am relying on this funds for my retirement to the XXXX, yet Bank of America prepaid claims keeps denying my claims stating that I authorized these transactions or gave someone permission to use my XXXX BOFA prepaid cards which is incorrect and false. Please do what you can on your side to help me end this issue once and for all. Additionally, one out of the five claims I have with Bank of America prepaid claims was surprisingly approved and the rest were denied due to the high dollar amount of the rest of the claims. How is this possible when all the claims occurred at the same time frame. It doesnt make sense. Please help me resolve this headache and have another point of contact reach to me regarding this issue besides XXXX XXXX phone number XXXX ext XXXX. XXXX never returns any phones which she states that if you leave a voicemail your phone call will be return within 48 hours which is a lie because her extension when you call goes straight to voicemail. This entire process has left me in a dryer financial crisis and is also elder financial abuse. I cant sleep at night and I even had an accident at one of the BofA branch in XXXX XXXX where I fell and landed straight on my face after talking to one of the banks workers who gave me wrong or false information about obtaining video footage of an atm withdrawal which left me very distraught.

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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NV

Complaint narrative:
I made a dispute for unauthorized transaction yesterday and now today chime is saying my account is being closed so chime can avoid giving me my money back for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/year> Paid what I thought was a legitimate logistics company XXXX XXXX a refundable amount for fees and tax included with delivering a package of goods I ordered, they continued to ask for money thru Venmo to assure delivery, total was {$3600.00} Never received money back or any package at all I did not receive any refund or package, complete and utter scam.logistics company demanding more money to finish some fictitious process to unlock the refund, I have texts asking for money and assuring a refund, they are still asking for {$2000.00} more dollars to complete the processsaid process was never explained to me and appeared from out of nowhereDisputed with XXXX XXXXnd Venmo both denied for no reason, I did not receive anything for this refundable money, {$3600.00} gone without a trace My rent, mortgage and business funds gone I have a family and a business I can not sustain this as a loss. Please help me recover these funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
I've contacted chime several times in XXXX, XXXX, XXXX of XXXX and additionally in XXXX and XXXX of XXXX Ive finally been able to articulate and gather what has happened in the Discrepancies and mishandling of my funds. I am filing a formal dispute regarding severe, multi-account ledger and tracking errors across my Chime financial accounts ( issued by XXXXXXXX XXXX XXXXXXXX. ) for the XX/XX/XXXX statement period. There is a total of {$3300.00} in missing, uncredited, or miscalculated funds that Chime has failed to properly account for. 1. The Primary Missing Funds Discrepancy ( {$3300.00} ) : On XX/XX/XXXX, my Chime Checking Account statement explicitly shows a ledger deduction titled 'Transfer to Credit Builder ' for - {$3300.00} following my IRS tax refund deposit. However, a review of my Chime Credit Builder Card statement for that exact same billing period shows absolutely no record of this {$3300.00} deposit being credited to the account. Total payments/credits listed on the Credit Builder statement for the month sum to a mere {$25.00}. This capital was drained from my checking account but has completely vanished between Chime 's internal systems. 2.My Checking Account statement shows a total monthly summary deduction of - {$19.00} for 'Round Up Transfers ' successfully swept from checking into savings. However, due to a severe mathematical glitch on the Savings Account summary page, my savings ending balance was restricted to just {$2.00}. The savings ledger shows a phantom '+ {$550.00} ' deposit that never actually originated from checking, causing subsequent transfers out to throw the internal balance tracking into complete error. As a result, my {$19.00} in validly swept savings was swallowed up by an automated ledger loop instead of increasing my net worth. 3. Partner Bank Sweep Misreporting ( {$0.00} ) : Page 3 of the Savings statement under the 'Sweep Program ' explicitly lists my ending partner bank balances as {$2.00} at XXXX XXXX XXXX and {$0.00} at Farmers and XXXXXXXX XXXX XXXX yielding a 'Total Balance ' of {$2.00}. However, Page 1 of the exact same statement incorrectly reports and credits my ending balance as {$2.00}, physically cutting off access to my total funds. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm to purchase an item from the company XXXX. I never received the item. I have tried contacting XXXX multiple times to let them know and get a refund. They did not help me so I tried Affirm to let them know that I did not receive the item. They contacted XXXX to which XXXX showed them the proof of delivery from XXXX that it was delivered. I told them the picture included with the tracking information from XXXX was not a picture of my porch nor were any of the boxes large enough to hold the item I purchased. I filed a claim with XXXX which they denied because a signature was not required. I included a picture of my porch to XXXX and Affirm showing them it was not the correct house. I have researched XXXX online and they have complaints against them for providing fake tracking information and customers never receiving their packages and not being able to reach customer service. I don't know what else to do at this point but I would like a refund of {$58.00} for the item I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I had an issue XX/XX/year> where I transitioned from XXXX XXXX pay to Retirement pay with the military. I had kept enough in savings to cover mortgage payment if my pay did not occur on time. Unfortunate given life circumstances within that month ( XXXX procedure, moving households during lifestyle transition, etc. ) I did not check as usual to ensure my pay had transitioned in time for the mortgage autopay to withdraw. The payment was not made unbeknownst to me. The following months I saw payments go through and didnt question XXXX. The mortgage company did not notify me of late payments through ANY means. When going through a mortgage application loan for my permanent residency following military career, the loan process identified for me that I had consecutive late payments as XXXX had not been paid. I paid the required amount the moment I was made aware, but when Id spoken to Freedom Mortgage they refused to remove the late payments. They claimed that a let must have been sent but failed to provide a date. They claimed an email must have been sent, but the email they referenced was a general email sent every month that held no specific information. I asked for their policy reference regarding the notification process, at which point I'd been put on hold and subsequently hung up on. I compiled all of this information, along with proof of finances prepared to cover late payment and the referenced emails. I sent written request to Freedom Mortgage to remove the late notices and they refused. I then sent the same request to XXXX but was also met with a lack of approval. I'm revising this issue to find that there is federal requirement to notify a late payment, and I did not recieve one for 3 consecutive months. I need help finding the specific law/title/code reference that I have read from your site as well as others, and then reapproaching this issue with both the company and credit bureaus. I can not get a home loan of any kind due to this issue.

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 2026-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This was opened due to identity fraud. Ive tried to dispute this account twice through XXXX XXXX since being bought by LVNV. I have also tried contacting credit one and LVNV to dispute. All attempts were not taken seriously. I have never used nor opened this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: MD

Complaint narrative:
I have been calling Chime to receive an asset verification letter for XXXX XXXX now. Each time I call I am told the letter will be sent via email in XXXX hours. XXXX XXXXs later Ive received nothing. XXXX checked my email to ensure its correct XXXX checking my spam and junk folder and still nothing. Ive spoken to at least XXXX supervisors and they all say the same thing XXXX received it in XXXX hours. I am desperately in need of this information so I can move into a new apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year> I was sending money to my brother XXXX XXXX, which Ive done in two transactions and the second one set off some kind of security thing with demo even though I had exchange money with XXXX at least 100 times they give a very vague reason and syndicate mitigate the risk there is no risk to this day. They still have my money frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: AR

Complaint narrative:
RE : Request for Method of Verification and Supporting Documentation To Whom It May Concern, I am writing in response to your correspondence dated XX/XX/year> regarding Account XXXX. Your response states that all credit reporting is valid and accurate ; however, you did not provide the specific documentation, investigation records, or verification method used to reach that determination. Pursuant to my rights under the Fair Credit Reporting Act, I am requesting the following : The method of verification used in your investigation. The name, department, and contact information of the party who verified the information. Copies of all documents, records, payment histories, and account-level data used during your investigation. Copies of any XXXX XXXX data furnished to the consumer reporting agencies for this account. The date and manner in which the account information was verified with each credit bureau. Please also confirm whether all furnished information complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. If you are unable to provide competent evidence supporting the accuracy and completeness of the reporting, I request that the disputed information be corrected or deleted from all consumer reporting agencies. I expect your response within the timeframe required under federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC regarding an alleged XXXX XXXX account ending in XXXX that is being reported on my consumer credit reports. I formally disputed this alleged debt and requested validation on XX/XX/XXXX, and again on XX/XX/XXXX. Both letters were sent via certified mail, and I possess proof of mailing and delivery documentation. Despite this, Portfolio Recovery Associates stated in its response that it has no record of a dispute, which directly contradicts my documented evidence. Additionally, the company failed to provide adequate validation of the alleged debt. Instead of providing competent evidence establishing the validity of the account, ownership of the account, and legal authority to collect, the company provided generalized statements and internal verification claims that do not sufficiently validate the alleged obligation. I requested documentation including : Complete chain of assignment from XXXX XXXX to Portfolio Recovery Associates Original signed agreement or application Full account statements and payment history Documentation supporting the balance claimed Proof connecting me to the alleged account To date, this information has not been properly provided. I dispute the accuracy and completeness of the information being furnished regarding this account. I believe the investigation conducted was incomplete and unreasonable under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Because the account remains unverifiable and disputed, I request : Immediate deletion of the account from all consumer reporting agencies Confirmation that the account will no longer be reported as verified Documentation of the investigation methods used to verify this account despite my disputes and requests for validation I am attaching copies of my certified mail receipts and prior dispute letters as supporting documentation.

Company response to consumer: Closed with non-monetary relief