vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, my XXXX and wallet were stolen from me. Two fraudulent charges were authorized at XXXX XXXXXXXX XXXX XXXX in XXXX, XXXX on my Chase card. These charges, which I did not authorize, were immediately reported when discovered as fraudulent by calling the customer service number associated with my Chase card on XX/XX/year>. During that call, I spoke with a representative named XXXX, who explicitly advised me that a police report was not necessary for the investigation. Despite my prompt action and following the bank 's guidance, the provisional adjustments applied to reverse these fraudulent charges have now been re-applied, resulting in a reinstatement of these disputed amounts on my account. I have attached a screenshot of the disputed charges. The amounts in question are as follows : {$13000.00} ( Reference Number : XXXX ) {$360.00} ( Reference Number : XXXX ) Background of the Issue : Initially, I contacted Chase to report these charges as fraudulent and requested a resolution. While provisional adjustments were initially made to my account to reverse these charges, they have now been reinstated without a satisfactory explanation or evidence supporting their validity. This leaves me financially liable for fraudulent charges that I attempted to resolve promptly through the correct reporting channels. Steps Taken : Immediately reported the charges as fraud by calling the Chase customer service number on XX/XX/year>, and followed the guidance provided by the representative ( XXXX ). Followed all instructions provided by the Chase support team regarding the dispute process. Provided any requested documentation or information to support my claims of fraud. Attempted to work directly with Chase to resolve the matter but was met with the reversal of the initial provisional adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am filing a complaint regarding a denied dispute with Cash App involving an erroneous charge caused by a merchant terminal failure. On XX/XX/XXXX at approximately XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX attempted to process a charge of {$210.00} on my Cash App card. During this transaction, the payment terminal shut off. Despite the interruption, the charge was still processed and later fully posted to my account. At approximately XXXXXX/XX/XXXX, the employee ran my card again for {$140.00}. This XX/XX/XXXX amount was lower because I no longer had the full balance available on my card after the first charge went through. I then had to pay the remaining balance using a different card. I only authorized XXXX payment for my stay. TheXX/XX/XXXX charge of {$210.00} was the result of a failed terminal transaction and should not have been processed. I contacted the merchant, but they claim they are unable to locate XXXX of the charges in their system and therefore refuse to issue a refund. Additionally, the merchant stated that Cash App never contacted them regarding my dispute, which raises concerns that no proper investigation was conducted. I disputed the charge through Cash App, but my dispute was denied without adequate investigation. Cash App treated both transactions as valid despite clear evidence of a processing error. I am requesting that this matter be properly investigated and that the invalid charge be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am attempting to settle a medical debt ( Ref # XXXX ) for the agreed-upon amount of {$2000.00} with Credence Resource Management . Despite multiple written requests sent on XX/XX/XXXX and XX/XX/year>, the agency refuses to provide a formal settlement agreement on company letterhead confirming that this payment will satisfy the debt in full. The agency has stalled by claiming they are 'reviewing ' the request while my payment deadline of XX/XX/XXXX approaches. Also has gone as far as writing up a new offer letter that was not discussed and has a completely different amount that was not agreed upon. Furthermore, I have revoked payment authorization for the card on file until this documentation is provided. I am requesting that the CFPB compel the agency to provide a verifiable 'Settled in Full " letter so this matter can be resolved without further deceptive stalling tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: PA

Complaint narrative:
I have been informed I owe approximately {$7000.00} to XXXX XXXX XXXX for a delinquent lease previously owned by Acima leasing. I was completely unaware of the lease from Acima and expect it is a case of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
So I went to the regions back on XXXX Mississippi and I gave them a XXXX dollar deposit and then I asked him to take XXXX out of my account and it wasnt pending on my account and then I called them and asked about it and the dude took it out of someones account

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: LA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I had many unauthorized charges on my Nordstrom XXXX Credit Card dating back to XX/XX/year> from XXXX XXXX. I never used XXXX XXXX or heard of them. I contacted the credit card company, and filed a claim with them. The Nordstrom XXXX Credit Card representatives dont want to investigate when I talk to them on the phone, different representatives put me on hold for hours at a time, or transfer me to a department that cant help me. Since they were unwilling to help me, I went to police and filed a police report. Total of unauthorized charges {$7600.00} plus I have unrecognized charges from XXXX totaling {$79.00} I bought a new XXXX cell phone back in XX/XX/year> as well. Im not sure who stole my personal information, but I think my new phone might have been involved. I did not notice unauthorized charges until much later. I continued making payments on this card even though most of the charges were not mine. Please investigate and help me get to the bottom of this. I still owe Nordstrom XXXX Credit Card {$1900.00} of unauthorized XXXX XXXX charges. Thank you very much Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
[ ticket number : XXXX ; case number XXXX ] I have been in contact with multiple Mohela staff regarding the status of my loans. My loans were switch to the " XXXX '' plan in XXXX of XXXX in accordance to the changes by the government getting rid of the XXXX plan. Upon switching, a charge of {$2400.00} was charged to my account. This is the second time a phantom charge has been placed on my account after changing plans. The previous time I was told the charge was a glitch in the system, and the charge was reversed. I have been in contact with Mohela staff since XXXX of XXXX upon the second phantom charge appearing. I was it told was again a glitch in the system, and to pay the interest owed of {$350.00} when the payment is due to avoid complications upon the charge reversal. As of today ( XX/XX/XXXX ), the charges have not been reversed after XXXX additional attempts between XX/XX/XXXX and XX/XX/XXXX. This process has negatively affected my XXXX XXXX by XXXX points, and this needs to be addressed immediately. I was given a ticket number of the last attempt to get this rectified [ ticket number : XXXX ; case number XXXX ]. The company has made it extremely difficult to contact a live representative ( generally XXXX minutes of using automated system ). I contacted got in contact with a supervisor again today ( XXXX ) - I was told that no activity was made still on the claim submitted in XXXX of XXXX, and that the representative is requesting escalation of the issue again. The representative also stated that she will notate the account to reverse current marks on XXXX XXXX and ( only after the issue is resolved ) notate that previous negative marks be reversed as well. Additionally, I was told they are unable to send an email stating information regarding the previous status of the inquiry or information regarding what is being done. The only thing I can do is to wait the XXXX days ( again ). The representative will send a secure message through Mohela when the process is escalated, but that is all. I have submitted a complaint through XXXX today hoping this will expedite a process that has been extremely frustrating. I can only submit a dispute on XXXX of the many negative marks, and I do not think it will get approved based on how the account is loan currently presented. My account is now XXXX days past due. If this is not resolved in XXXX days, my account will likely go into default through no fault of my own.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
They texted and I told them It is never convenient for you to call text or email me about this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
XXXX Cash Apps explanation : XXXX opt-out liquidation but no proof of notice or opt-out Cash App has claimed my account was liquidated because I allegedly opted out of the XXXX transition and did not provide transfer instructions by a stated deadline ( XX/XX/year> ). Cash App claims liquidation terms were communicated and that opting out without transfer instructions would result in stock holdings being sold on/after XX/XX/year>. [ XXXX ] [ XXXX ] XXXX However, despite repeated requests, Cash App has not produced the specific communications allegedly sent to me ( or delivery logs showing that those notices were delivered to my device/email/phone ), nor the opt-out action audit trail ( timestamps, device/session details, authorization records ) proving I opted out or authorized liquidation. Cash Apps own CFPB response states that an Investing Support agent said he did not have access to the exact messages sent, but guaranteed all communications included the liquidation language which is not proof of delivery, authorization, or opt-out. [ XXXX ] [ XXXX ] XXXX XXXX Identity verification used as a barrier to information, including my husbands account Cash App has also stated it could not verify my identity/ownership in relation to account information, including refusing to provide details about my husbands account. In the XX/XX/year> letter from Cash App ( Case # XXXX ), Cash App required additional verification information ( phone/email/ZIP ) and stated that if the matter relates to an account in my husbands name, they would not provide information unless he contacts them directly but they invited me to start the Power of Attorney process if he can not reach out. [ XXXX ] XXXX I provided the requested verification information and notified Cash App that I am my husbands duly authorized Power of Attorney due to medical circumstances, and I provided POA documentation so Cash App can communicate with me regarding his account. [ XXXX ] XXXX XXXX New/continuing issue : No meaningful progress ; deflection to generic Apex article Despite providing verification details and POA documentation, Cash App Investing support has continued to provide no substantive update, directing me back to prior emails and to a general help-center article about the XXXX clearing transition rather than addressing the unauthorized liquidation, account closure timing, proof of notice, proof of opt-out, authorization logs, or the spouse-account impact. ( This is consistent with their prior pattern of deflecting to general XXXX-transition explanations without producing individualized proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Complaint Against : Marcus by Goldman Sachs ( Goldman Sachs Bank USA ) Product : Bank account / deposit account Issue : Problem accessing funds/ delayed estate distribution Complaint Summary : I am submitting this complaint regarding significant and ongoing delays by Marcus by Goldman Sachs in releasing funds belonging to the Estate of XXXX XXXX XXXX. Despite full compliance with all documentation requirements, the bank has failed to release the funds and has repeatedly requested documents that were already provided. Detailed Description : On XX/XX/year>, I submitted all required original documentation to Marcus by Goldman Sachs in support of the Estate of XXXX XXXX XXXX, including : * Certified death certificate * Letters of Authority for the Personal Representative issued by the Massachusetts * XXXX XXXX XXXX XXXX * IRS XXXX documentation for the estate * Supporting estate documentation related to a secondary beneficiary ( XXXX XXXX XXXX ), including death certificate and estate authority documentation On XX/XX/year>, Marcus confirmed receipt of these materials and advised that the funds would be released within thirty ( 30 ) days. However, as of XX/XX/year>, the funds have not been released. During a follow-up call on XX/XX/year>, I was informed by a Marcus representative that certain documents were not on file, including a death certificate that had already been submitted with the original package. This indicates either a failure in document handling or internal processing. To avoid further delay, I have resubmitted the requested document ( s ), despite having already provided them. I have also provided a valid Durable Power of Attorney authorizing action on behalf of an account beneficiary. At this point, the Estate has fully complied with all known requirements, yet Marcus continues to delay the release of funds without providing a clear explanation of any outstanding items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am writing regarding a collection account reported by Caine & Weiner that is currently appearing on my credit report. This account has been marked as closed, yet it continues to be reported as a negative collection item. I previously disputed this account and attempted to resolve the issue directly with the company, but no resolution was provided. Despite the account being closed, it is still being reported in a way that is misleading and continues to negatively impact my credit. The reporting of this account is inaccurate and incomplete, and I have not been provided with proper verification of the account details. I am requesting a full investigation into the accuracy of this account and its reporting. If the information can not be properly verified, I am requesting that this account be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Contracted XX/XX/year> I contacted us bank home mortgage in hopes to get a few day extension to keep my arrangement in good standing to not lose the current arrangement I have. My husband has a emergency XXXX this coming week and I have to pay a co pay for what it is or {$2000.00} making me not able to make a full payment by the last day or the month. You documents all state to contact for other options and to avoid missing the payment. I can not pay the full payment until the XXXX they stated there is nothing they can do and if I fail to make it even though my husband is having medical emergency that has worsened I would most likely not be eligible for anything for failed payment. I can not pay the full payment until the XXXX at the earliest I will be short XXXX XXXX I continue to have issues being bullied into starting an application to start assistance and here we are. I have XXXX young children in the only XXXX working and if we are to lose our house we have no family to help. Why say you can apply or if I have issues and cant pay the payment by then end of the month to call. XXXX beyond stressed and now paying even more for horrible health insurance. I need assistance I cant pay XXXX and the rest on XXXX XXXX please help I dont want to lose my home

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 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Braviant Holdings, LLC
State: NV

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX XXXX regarding a loan that appears to have been issued and serviced in violation of XXXX lending laws and improperly reported to my credit report. I reside in XXXX and have resided in XXXX since XXXX, and it is my understanding that this company is not licensed to lend in XXXX. Despite this, they issued me a loan for {$3000.00} on XX/XX/XXXX. Over the life of the loan, I paid {$3900.00} in interest and fees, yet my balance still showed approximately over {$3000.00}. I ultimately settled the account for {$1500.00}. At no point during the settlement process was I informed that the account would be reported as a charge-off. I spoke to XXXX in the Resolutions Department. After the settlement, the account was reported to XXXX as a charge-off, which has negatively impacted my credit. I disputed this with XXXX, but the dispute was verified without any meaningful investigation into the legality of the loan or the fairness of the reporting. I never went 30 days past due on the account. Given the excessive interest paid, the lack of licensing in XXXX, and the failure to clearly disclose the credit reporting consequences of settlement, I believe this account is being reported unfairly and potentially unlawfully. I am requesting : XXXX. A full investigation into whether XXXX XXXX XXXX XXXXXXXX XXXX was legally authorized to issue this loan in XXXX at the time it was originated. XXXX. Removal of this account from my credit report due to improper and potentially unlawful lending and reporting practices. XXXX Review of the payments made, as I paid significantly more than the original loan amount. I am seeking a fair resolution, including deletion of this tradeline from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation