vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX United States Email : XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Regarding Denial of Dispute {$120.00} XXXX XXXX XXXX XXXX / Cash App To Whom It May Concern, I am filing this complaint regarding Cash Apps denial of my dispute for a {$120.00} transaction with XXXX XXXX XXXX, Order # XXXX, confirmed XX/XX/XXXX. The charge consisted of {$100.00} for an XXXX XXXX XXXX product and {$22.00} in shipping. I filed a dispute because I do not believe the merchant properly fulfilled their obligations associated with this transaction. Despite my claim, Cash App denied the dispute, stating : We reviewed your dispute with XXXX XXXX XXXX for {$120.00}, and based on the information available to us, our investigation has led us to determine that the merchant fulfilled their obligations for the goods/services associated with this transaction. As a result, your dispute has been denied. However, I was not provided with the documentation or evidence used to make this determination. I was simply told that I could contact Support to request the documents relied upon. This lack of transparency prevents me from meaningfully understanding or challenging the decision. I previously attempted to resolve this matter directly with the merchant and also filed a complaint with the XXXX XXXX XXXX. The issue remains unresolved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
There were about XXXX transactions that I did not make and the company is still making me pay for these items. I disputed these transactions and I have never had to dispute items before and XXXX refused to accept that it was fraud and I am left to pay for these transactions. This is ridiculous and I see why people do not trust banks. My money is not safe here and I do not trust them with my money anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Block, Inc. ( Cash App ) for a violation of the XX/XX/2025 CFPB Consent Order ( 2025-CFPB-0001 ). My account ( $ XXXX ) was permanently suspended without a specific reason or a manual review. Despite multiple attempts to appeal through their in-app support, I received only automated, non-substantive responses. Per the 2025 federal mandate, Cash App is required to provide effective, human-led customer service and a transparent dispute resolution process. By failing to provide a specific reason for the closure or a manual appeal by a live agent, Block , Inc. is engaging in unfair and deceptive practices. I am requesting a manual review of this suspension by a human agent and a clear explanation of the alleged policy violation to ensure my consumer identity is not unfairly flagged in financial databases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: CA

Complaint narrative:
I enrolled in XXXX XXXX 's online course for {$8000.00} financed through Klarna. The course was not delivered as described no notes were provided, class schedules were irregular without prior notice, and course materials were missing for weeks even after follow-ups. I formally sent a cancellation and refund request to the merchant on XX/XX/year>. When I contacted Klarna to stop future payments and dispute the transaction, Klarna refused to open a dispute or pause payments until the merchant confirms cancellation. I am at risk of being charged again while the merchant has not yet responded. I am requesting Klarna to stop all future payments immediately and refund payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
On XXXX XXXX I submitted a dispute for verification of debt through XXXX XXXX dispute center with XXXX. Against my best efforts to attempt to resolve and have the debt collection agency verify that the debt belonged to me I was denied verification. Without proper documents to prove a debt is owed, I am requesting deletion of the account on all 3 credit reports.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Comerica
State: AL

Complaint narrative:
I was Garnished, and there was fraudulent activity made happen to harm myself due to my money not being received, and I want to Sue the XXXX Social security office, and Social security, and XXXX XXXX for their fraudulent activity, Arbitrary. And I need an CFPB lawyer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the above-referenced account listed under my name. Account Name : AFFIRM INCAccount Number : XXXX Opened : XXXX Status : Charged Off {$1000.00} past due This account is being reported as charged off with a balance of {$1000.00}. I dispute this debt in its entirety. I never received the product associated with this alleged transaction. Although the account reflects that the product was delivered, I did not receive it. Therefore, I do not accept responsibility for this charge. Additionally, this account is reported as charged off and written off. Please provide written proof that : The merchandise was actually delivered to me, including carrier name, tracking number, delivery confirmation, and signature verification. I personally authorized and signed for this purchase. This debt has not been discharged, written off permanently, sold, transferred, or otherwise removed from your books. You still legally own and have the right to collect on this account. A full accounting ledger showing how the balance of {$1000.00} was calculated. If you are unable to provide competent documentation validating this debt, you must immediately delete this account from all credit reporting agencies. Reporting inaccurate or unverified information violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursue all remedies available under federal law. This letter serves as a formal notice of dispute. Please mark this account as disputed with all credit reporting agencies while this investigation is pending. I expect a written response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
After refinancing from XXXX to PHH, I was deceived by XXXX that a mortgage payment wasn't due until PHH took over my loan. This actually set me back a payment that PHH didn't request until a few months after the exchange. I informed them that their system hadn't shown any lates, but then PHH kept reporting to the Credit Bureau, I was 2 months behind. Due to the Gov.Shutdown, I requested Forbearance, then a Deferment Payment, but PHH proceeded to change Criterias/Protocols making it frustrating. I recently requested another Deferment which they will not offer due to their faults.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
They banned my account even after I uploaded my id like they asked. I have been using their services for years without issue. Now I cant access my money it is frozen in the account. I have XXXX I cant access. They also take forever to respond by email support. I just want my account or funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Debt validation sent via trackable mail to Caine & Weiner on XX/XX/year> requesting : XXXX. A signed purchase or assignment agreement, signed by all parties involved, showing complete chain of title and legal transfer of the alleged debt. XXXX. Documentation proving your company is legally authorized to collect debts in my state, including your current state license and bond information. XXXX. A full itemized account of the alleged debt, including original creditor, dates, amounts and any added fees. Caine & Weiner dated response on XX/XX/year> fails to provide signed purchase agreement nor documentation proving they have the authority to collect debts in my state

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
On XX/XX/year> the first dispute was submitted asking for verification of this debt and it was returned verified without sufficient documentation proving said results. I am pleading with the CFPB to investigate this concern and advocate for the consumer to take immediate action and remove the account from all 3 credit bureaus. My right to have documentation showing validity was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have reoccurring charges from XXXX for XXXX every month. I contacted XXXX on 3 different occasions and was told basically to kick rocks. I then contacted Truist. They also denied in helping me. I never asked for any reoccurring charges. I did use the car wash once in late XXXX maybe in XXXX. I have screen shots showing this is fraudulent please look at the operational hours of the car wash and then it saying I am washing my car every month at like XXXX XXXX while they are closed!

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
I am submitting this complaint regarding an alleged death of {$5500.00}. That is now being handled by Rausch Sturm LLP. This debt was previously owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have repeatedly requested validation of this debt from XXXX XXXX, but as of XX/XX/XXXX, I have not received any documentation verifying this debt. Timeline of Events : XX/XX/XXXX : Sent a written request to XXXX XXXX for full validation of alleged debt. XX/XX/XXXX : Sent a follow-up validation request to XXXX XXXX XXXX XX/XX/XXXX : Sent a final certified letter to XXXX XXXX requesting validation again. XX/XX/XXXX : Sent a certified letter to Rausch Sturm LLP requesting validation after the debt was sold. XX/XX/XXXX : Received a letter from Rausch Sturm LLP dated XX/XX/XXXX. XX/XX/XXXX : Received another letter from Rausch Strum LLP also dated XX/XX/XXXX. Issues : * PRA LLC failed to provide proper validation of the alleged death, despite multiple requests. * Rausch Sturm LLP has begun attempting to collect this debt without providing any documentation verifying is legitimacy. * Receiving multiple letters with the same date, but on different days, is confusing and could constitute unfair or deceptive practices. * This continued collection activity may violate my rights under the Fair Debt Collection, Practices Act ( FDCPA ), as I have requested validation in writing and have not received it. Requested Action : I request that Rausch Sturm LLP provide full validation of the alleged debt, including : * documentation of the original account showing my obligation. * chain of ownership from the original creditor to PRA LLC and then to Rausch Sturm LLP. * Account history and calculation, supporting the claimed amount. * I also requested all collection activity cease until proper validation is provided. Attached are copies of all letters sent and received, including certified mail receipts. Summary : I have made multiple good faith attempt to obtain validation of this alleged it, which has now been passed to a new collector. I am seeking enforcement of my right under the FDCPA, and see if PB oversight to ensure proper compliance. Thank you for your attention to this matter. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, Florida XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
CFPB Complaint ( XXXX XXXX ) Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Account Number : Ending in XXXX Company : Chime Financial , Inc. _________________ _______________________ Issue : Managing an account/ Problem with a transaction ________________________________________ I am filing this complaint regarding Chime Financial , Inc. for failing to release funds that have already been returned following a completed dispute. I disputed a transaction in the amount of {$72.00} ( Dispute Number # XXXX ). The merchant, XXXX XXXX, has already processed the refund and returned the funds to Chime. Additionally, a Chime representative confirmed that the chargeback has already been completed. Despite this, Chime is refusing to release my funds and has stated that I must wait until XX/XX/XXXX, which could take up to 90 days. This delay is unreasonable and unjustified given that the dispute has already been resolved and the funds have been returned. There is no valid reason for Chime to continue holding my money after receiving the refund. This has caused unnecessary financial hardship and frustration. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to promptly resolve disputes and provide consumers with timely access to their funds once a determination has been made. Chimes actions appear to be inconsistent with these requirements. ________________________________________ I am requesting the immediate release and posting of the {$72.00} to my account without further delay. I also request a clear explanation as to why my funds are being withheld after the dispute has already been resolved and the merchant has issued the refund. ________________________________________ I have already attempted to resolve this matter directly with Chime customer support, but have not received a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have made multiple attempts to settle this account by submitting a Tender of Payment ( Original XXXX XXXX ) via Registered and Certified Mail on XX/XX/XXXX, again in XXXX, and most recently on XX/XX/XXXX. XXXX certified mailing confirms the delivery and receipt of all of these documents. Furthermore, on XX/XX/XXXX, an American Express representative telephonically verified that the XXXX XXXX is in physical possession of my original instruments. Despite this confirmed receipt, the company refuses to post the credit or provide the Proof of Indebtedness I requested. In a letter dated XX/XX/XXXX, the company acknowledged receipt of my correspondence to the CFO but stated they would not accept my XXXX. They claimed they only accept payments made to us in XXXX dollars. Specifically, regarding my XX/XX/XXXX submission, I demanded the return of my original document if it was not to be honored. Instead of returning the original instrument, the company sent back a photocopy, while retaining the original in their possession. They have also failed to recognize the Certificate of Incumbency and Trust Certification on file ; instead, they sent a generic response dated XX/XX/XXXX, regarding a Power of Attorney ( POA ), which is irrelevant to the XXXX authority I have established. They continue to engage in collection activity despite having the XXXX in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: GA

Complaint narrative:
b'I entered into a contractual agreement with XXXX to manage my retirement funds. The funds would be professionally managed in foreign exchange XXXX trading, a marketplace investment program. Below are the charges which we never received any service. American express continues to resolve the complaint in the favor of XXXX as they are informing AMEX that ".. where the Card Member is an employee, owner, family member of the Merchant, or is an authorized signer on the Merchant account." Even though I am aware of who the owner, XXXX XXXX, is I have never met him. I have never been an employee of the that company, never an owner in that company or a family member of it, nor as an authorized signer on their Merchant account. IF AMEX received that information from XXXX, it is fraudulently provided. XXXX XXXX, and his family, are being investigated by the FBI for the theft of funds and services for over XXXX XXXX dollars across at least XXXX XXXX. I have attempted contact with XXXX many times and could not make contactXXXXChargesXXXX XXXX XXXX XXXX XXXXPlease attachmentsXXXXThank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: PRIMERA FINANCIAL CORP.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting related to my auto loan repossession. At the time my vehicle was repossessed on XX/XX/year>, I was only one payment behind. My monthly payment is {$320.00}. Before filing a credit dispute, the account reported {$370.00} past due ( which aligns with one missed payment plus late fee of {$50.00} ). After I filed a dispute, the past due amount was increased to {$1400.00} without explanation. {$1400.00} represents approximately four payments, which is inaccurate. I was not four months behind. I am requesting : 1. A full itemized breakdown of how the {$1400.00} past due amount was calculated. 2. A complete payment history. 3. Correction of inaccurate credit reporting. The account is also reporting Repossession/Never Late, which is contradictory. I am requesting investigation and correction of inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KY

Complaint narrative:
CFPB Complaint Debit Card Dispute Complainant : XXXX XXXX Transaction Amount : {$2300.00} Transaction Date : On or about XX/XX/year> Merchant : XXXX XXXX Cruise Line Financial Institution : Current Contact : XXXX Complaint Details : On or about XX/XX/year>, a debit card charge in the amount of {$2300.00} was processed from my account for a cruise purchase. The cruise was canceled, and I did not board the ship. I submitted a dispute to Current and provided documentation showing the cruise was canceled, requesting that Current conduct a reasonable investigation under the Electronic Fund Transfer Act ( XXXX ). On XX/XX/year>, Current denied my dispute. XXXX XXXX XXXX XXXX has stated that they were never contacted by Current to verify whether I boarded the cruise. The cruise line also confirms that they canceled my cruise, which is critical information Current should have obtained during their investigation. It is unclear how Current could have conducted a proper investigation in XXXX days without speaking to the cruise line, especially when such verification is central to determining whether the transaction was authorized or the services were received. This is particularly important because under EFTA Section 1693f, Current is required to investigate disputes promptly, generally within XXXX business days ( or 3 days to acknowledge receipt and begin the investigation ). Current clearly failed to obtain essential information from the merchant before denying my claim. I have requested records of the investigation and evidence used to deny the dispute, but Current has not provided any documentation showing compliance with XXXX investigation requirements. Requested Resolution : XXXX. Reopen the investigation into the transaction. XXXX. Properly verify with XXXX XXXX XXXX XXXX whether I received the services paid for, including the fact that my cruise was canceled. XXXX. Issue a refund of {$2300.00} if the investigation confirms I did not receive the cruise services. Thank you for your attention to this complaint. Sincerely, XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation