vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 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: Block, Inc.
State: OH

Complaint narrative:
I was charged {$140.00} by XXXX XXXX on XX/XX/year>, for a premium subscription, but the premium service was never activated and my account remained on the free plan. I attempted to contact the merchant directly and received no response. I disputed the charge with Cash App and later submitted a written billing error notice under Regulation E. Cash App denied the dispute and stated the transaction was a non-refundable Cash App card upgrade purchase ( e.g., plastic to silver ), which is incorrect because the charge was from a third-party merchant ( XXXX XXXX ). Cash App refused to conduct a Regulation E investigation and directed me to contact the merchant. I have attached screenshots and email correspondence showing the charge, my account status, and Cash Apps responses. I am requesting review of Cash Apps handling of this billing error claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc
State: FL

Complaint narrative:
I have had excessive calls into the late night from Tate and Kirlin Associates to include on the weekends about a debt that has been disputed and removed off of my credit. It is also being illegal illegally collected because this debt was closed off with XXXX XXXX the original creditor in XXXX and this debt theyre saying is from XXXX, which is false. Ive also have had to to file against XXXX XXXX the creditor before who tried to take me to court, but when I presented the documents, the court dismissed them because they passed the statue of limitations to collect and also falsified documents to say that this debt originated in XXXX when it did not and was completely closed with XXXX XXXX in XXXX. All reports of last payments and when credit originated is all falsified to try to collect a debt. I have been constantly harassed for this debt, even though its been removed with the credit bureaus, as well as with the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: FL

Complaint narrative:
A company by the name of KINGSTON DATA & CREDIT reported to creditors that I owed {$2300.00} to a company by the name of XXXX XXXX XXXX for a rental dated XX/XX/year>. I tried calling Kingston Data & Credit and the rep hung up on me. I called back 5 more times and only got a Voicemail. I reported it a fraud claim to XXXX and Filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
This message pertains to XXXX complaints ( ID XXXX and XXXX ). I have included the American Express responses dated XXXX and XXXX ( see attached images ). Amex promised to resolve the missing points issue multiple times since this occurred XX/XX/year>. We are now at the XXXX month mark and they have still not. This is my final attempt for them to immediately fix this issue and have the points deposited in my account before I pursue legal recourse. This complaint serves as an official record of my third attempt through proper channels to have this rectified. Original complaint text : " Hello, this complaint pertains to a promotional bonus mile allocation through American Express and a XXXX XXXX XXXX XXXX ending in - XXXX. The XXXX account associated with this complaint is XXXX. I agreed to a promotion emailed to me from American Express ( XX/XX/year> ) in which if I upgraded by XXXX XXXX XXXX card to a XXXX card, I would received a {$150.00} account credit and XXXX XXXX after spending {$2000.00}. I met this spending requirement within the first month of the upgrade. As such, I received the {$150.00} statement credit. On XX/XX/year> ( please reference the XXXX image attached ) American Express credited my account XXXX miles and XXXX miles in XXXX separate transactions. They then debited my account XXXX miles and XXXX miles ( please reference the XXXX image attached ). I reached out to XXXX to inquire why my account had these miles debited. I attached the email response from XXXX in which they clearly state this was done by American Express. I reached out to American Express multiple times to clarify why my account is missing XXXX bonus miles from their actions on XX/XX/year>. They continue to run me in circles and state they can not see anything on their end. They will not allow me to share images or proof of what they did and continue to give me case numbers that lead to no resolutions and the same story. At the end of the day, they took XXXX miles out of my account on XX/XX/year> and I want to know the exact reason why, which they have been evading for months. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
My account was due to be closed XX/XX/XXXX and I was refused my funds from the account the pushed my account closing out another month I was spoken too rudely and denied my funds still havent been provided the corporate office info the bank XXXX tried to help me he understood my situation Im now facing a eviction due to me not being able to access my funds no fraudulent activity was on my account or no wrongdoing Bank of America is doing something illegal and Im highly upset I need to speak with someone in there corporate office or the boss over risk management please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has been repeatedly calling me from different numbers demanding payment which has been roughly XXXX to XXXX years and i feel i am being harassed by the school because i owe a debt does not give the right to call me at late hours and early mornings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: NJ

Complaint narrative:
I want to restrict mortgage XXXX interest rate were high we have a lawyer to file a complaint against XXXX lies about my house scam and I want to restrict XXXX XXXX I want his license to be suspend for making a home owner suffer with low income. I have proof document with sps serving document License # XXXX. I want to suspend his license as well until he fix my home not to be foreclose

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: WA

Complaint narrative:
I am filing this complaint against XXXX ( XXXX XXXX ) and their lender Climb Credit ( serviced by Launch Servicing ) for deceptive marketing and predatory lending. I enrolled in the XXXX program on XX/XX/XXXX. During my admissions interview, I was explicitly promised that this training would lead to an {$80000.00} salary, which was specifically compared to my then-current {$60000.00} salary to induce me to take out a 21.42 % interest loan ( Loan # XXXX XXXX XXXX XXXX XXXXXXXX ). This experience matches the deceptive patterns identified in the federal lawsuit CFPB v. Climb Credit , Inc. ( Case No. XXXX ). The program has not delivered the promised results. Despite extreme financial hardship ( working XXXX jobs as the sole provider ), I made a good-faith payment of {$560.00} on XX/XX/XXXX, to protect my credit while this fraud is investigated. I am requesting a full discharge of the remaining $ XXXX balance due to false certification of the programs value

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am self employed and receive client paid income through XXXX which deposits directly into my Chase checking account. I do not receive payroll or XXXX wages. Chase recently requested income verification related to deposits. I provided XXXX transaction reports for XX/XX/year> through XX/XX/year> showing XXXX completed transactions totaling XXXX dollars in legitimate business income. Despite submitting documentation Chase continued automated requests and did not clearly explain what documentation would satisfy their verification requirements. The secure message system also limited or prevented proper document uploads and responses. I am requesting a manual review of my submitted documentation and confirmation of acceptable verification standards for self employed customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to the Citibank ATM on XX/XX/year> to deposit some cash of {$250.00} to be exact and all in {$50.00} bills. The specfiic ATM machine I used to deposit was # XXXX. I initially deposited {$250.00} but {$50.00} returned to me as the machine could not read the bill so I tried again. It accepted this time and {$50.00} was credited to my account. However, the initial deposit of {$200.00} never showed up on my account and the ATM machine never returned the {$200.00} back to me. I was in a rush so I realized the mistake too late. I called customer service immediately about this situation and the representative did see a {$200.00} deposit being made but not reflecting on my account. They said they would investigate this. A few days later, I received a letter in the mail from Citibank stating that " there was no cash discrepancy for that location ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding Sequium Asset Solutions for reporting and attempting to collect a debt that I dispute. This account appears on my XXXX credit report with a balance of {$6100.00}. I have requested proper verification of this debt, including the original signed agreement, full payment history, and proof that Sequium has legal authority to collect and report this account. To date, I have not received sufficient documentation to validate the debt. Despite this, the account continues to be reported, which is negatively impacting my credit. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must report accurate and verifiable information. I am requesting that Sequium Asset Solutions either provide full legal validation of this debt or immediately delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this formal complaint against XXXX regarding unauthorized transactions made on my account without my knowledge or authorization. On or about XX/XX/year> OF TRANSACTION ( S ) ], the following unauthorized transaction ( s ) occurred : Transaction Date : XX/XX/year> Amount : {$3300.00} The total amount of unauthorized activity is {$3300.00} At the time these transactions occurred, I was out of town from, and I did not initiate, approve, or benefit from these transactions in any way. Upon discovering the unauthorized activity on XX/XX/year>, I immediately contacted XXXX to report the fraud and requested a full investigation and reimbursement. Despite promptly reporting the issue, XXXX has failed to adequately resolve this matter and has not credited the unauthorized funds back to my account. I have cooperated fully and provided any information requested. However, the company has not provided a satisfactory explanation or resolution. I am requesting that : 1. A full investigation be conducted into the unauthorized transactions. 2. The total amount of {$3300.00} be immediately refunded to me. 3. A written explanation be provided regarding how these transactions were approved without proper authorization. This situation has caused significant financial stress, and I expect prompt corrective action. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

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

Complaint narrative:
On or about XXXX XXXX XXXX, a {$1000.00} transaction to XXXX was processed through my XXXX account. I did not authorize this transaction. {$360.00} was immediately taken from my XXXX balance. The remaining {$630.00} was advanced by XXXX, resulting in a negative balance on my account. My XXXX account was then frozen and restricted. I promptly reported the transaction to XXXX as unauthorized and requested a full investigation. I specifically requested authentication records including the IP address used, device ID, login timestamps, and whether two-factor authentication was triggered. I also requested a written explanation for the denial of my dispute. XXXX denied my dispute but did not provide the requested authentication records or detailed evidence supporting their conclusion that the transaction was authorized. My account remains frozen and shows a negative balance of {$630.00}. I am requesting a proper investigation into this unauthorized transaction, removal of the negative balance, restoration of my account access, and transparency regarding the basis for XXXX denial.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX had been reporting 2 colletion accounts on my credit reports for all 3 agencies in the amounts of {$46000.00} & {$52000.00}. I have proven in court that they are not mine and XXXX did not show up to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX friend called my wife said she was about to lose it all and if we can help. Her phone was cloned XXXX websites all and we werent aware. It wasnt her alright it sounded like hers and cloned info was same. She threatened to XXXX self if we didnt send. We trust her and my wife XXXX wit pnc. She told me what was going on but my wife has a XXXX XXXX illness and is easily confused. The person was able to even see our banking some how and told her where to move from savings to my personal account then XXXX. We have a mutual account a savings and I have my own account as she cant handle money will illness. Immediately we find out this wasnt right. Within mins contacts pnc said its pending but cant do anything till posted next day. We disputed next day. My wife is tech not on that account its only mine she XXXX under XXXX but not from her account from mine as she was instructed. The dispute form by pnc was very vague and they denied stating we authorized. We arent even sure if they had acces and actually even did it as they could see our accounts. We were deceived fraud we my wife is now threaten to want to XXXX. The person knew XXXX was rapid in my wifes family and used that to threaten her. She was under pure XXXX and knew it was her friend even tho it was a deep fake. Pnc refuses to help they said they would escalate but we need to pay bills and they have XXXX consumer protection. Help please I cant lose my wife to XXXX because of this She had my wife buy a bag from her to help her get out of an emergency XXXX lost. Wife only did so to help and the person knew my wife is slow and easily confused. Wife used wrong account that she isnt authorized on to send an pnc wont realize wife wasnt given authority to use my account only our mutual

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
PayPal Credit ( Synchrony Bank ) charged me {$1400.00} interest. When I contacted them they said promotional deals. I was never told about this I was never alerted about any promotional time expiration date etc. I've made my monthly payments and usually a little more. First the person told me if I pay {$18.00} they can waive it, then it was {$24.00} then it was {$47.00}. Then I was told to pay {$7000.00}. This has put my account MINUS {$1100.00}. They did this to me recently with credit protection I never agreed to, and you helped me resolve it.

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 2026-03-03 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I filed a XXXX claim through Wells Fargo for unauthorized charges on my checking account. Wells Fargo denied my claim and they want me to pay back the provisional credit of {$1500.00}

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I discovered XXXX withdrawals were made from my JP Morgan & Chase account ending to a XXXX account ending in XXXX which I have no association with and do not own. Each withdrawal was for {$1800.00} and I contacted Chase immediately to inform them of the unauthorized withdrawal to an unknown account. They reversed XXXX withdrawal and then requested I provide information from XXXX. Upon contacting XXXX I provided Chase with the requested information and to date they have not returned the second unauthorized withdrawal. Please help, I'm over the age of XXXX and lived on a fixed income and have not been able to pay my bills. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
My rights were violated as a consumer under 15USC1681B and I need them blocked and deleted from my report ASAP

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year>| received an XXXX XXXX payment that was unfamiliar. I called a family member to make sure it wasn't from them. After a relative explaining it wasn't from them, l immediately contacted capital one about the money. I was told by a Capital One Specialist I could open a case. Which I did and was later told the money was free and clear. Well maybe a hour or two after speaking to a representative a friend of mine gave me a call saying his grandmother had sent him rent money and money for his son 's birthday party had I received it. I told him yes but didn't know the money was for him he verified the correct amounts and stated he didn't have XXXX and he needed to go through me. Mind you have done this before for other friends and relatives so didn't think much of it. I told him next time he needed to let me know he said | said something briefly last week but nothing else because he won't sure she would be able to help him. So of course, I transferred XXXX XXXX the money and he gave me a few bucks. I told him that was ok he insisted I take it. Ok so fast forward to XX/XX/year> I wake up and Capital One has my account frozen with all of my money inside saying the transfer was fraudulent. Over this point I'm out of town for work in the XXXX XXXX XXXX XXXX and can not access any of my funds. I'm filing XXXX 30 days ater at this pointl provided them with all the information they asked about the transaction, it this police report in hopes of getting this matter resolved asap. Capital, one refuses to give me access to any of my funds after assuring me the transfer was legit. Capital One has failed me as a customer and I upset need help getting this resolved so my funds can be released in my account that rightfully belong to me. I am currently on XXXX right now I have been fully cooperative., Please if you can't reach me by phone email me immediately we keep going

Company response to consumer: Closed with explanation