vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
When I contact the company the original intake customer service person say they understand my complaint. However, the charge continues to be reinstated. The disputes department has not resolved the matter and I continue to be charged penalties. I have asked that all penalties be frozen until the matter is resolved. I have carefully made sure that I dont continue to use the XXXX XXXX XXXXXXXX issued by Barclays . I have asked to speak with a supervisor or someone who has the authority to resolve the matter to no avail. It appears to be a practice to sever the connection which is frustrating and then you have to start all over again. I need your assistance with resolving this matter. 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 2026-05-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mother was taking me to court for my XXXX and trust fund from XXXX I earned at XXXX XXXX XXXX FL XXXX after graduated XXXX XXXX She has since passed away. I recently discovered that XXXX XXXX of XXXX and XXXX Bank with XXXX XXXX of the XXXX XXXX married my MOM to my Brother to punish me for my XXXX and trust fund from treaty I signed. XXXX XXXX unmarried womans son had a XXXX XXXX XXXX of which I do not feel safe I only want my 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 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Block, Inc.
State: NY

Complaint narrative:
My phone was hacked and money from my checking account was transferred to cash app where 2 large transactions were made. I contacted Cash App and advised l did not make these purchases, they denied my appeal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: TX

Complaint narrative:
b"I been trying to add money using XXXX XXXX several time in the past month and they keep denying all my XXXX XXXX deposits since they have the feature on their mobile app, \n\nI tried to resolving this with the company and the company has been telling me they're denied to request due to security reasons. \n\nHere are the dates of denial. \n\nToday XXXX XXXXUsing XXXXXXXX XXXX XXXXAdd money\nXXXX with XXXX XXXX XXXX XXXX XXXXAdd moneXXXX with XXXX XXXX XXXX Failed XXXXAdd money\XXXX with XXXX XXXX XXXX Failed XXXXAdd moneyXXXX XXXX XXXX with XXXX XXXX Wednesday Failed XXXXAdd moneyXXXX XXXX XXXX with XXXX XXXXWednesday Failed XXXXAnd I will also share a screenshots of the continual denial in the past month. To support my claim."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, My name is XXXX XXXX. I am submitting this statement as additional information regarding my complaint involving a Cash App transaction that was sent to the wrong account and has not been refunded. On XX/XX/year>, I contacted Cash App and reported this transaction as fraudulent and/or a scam-related transaction due to the circumstances that have developed after the payment issue occurred. The payment was intended for XXXX XXXX XXXX using the phone number ( XXXX ) XXXX, which I understood to be XXXX XXXX number. The payment was meant to repay XXXX for something purchased for me and/or to allow work-related payment obligations to be handled. However, the funds were routed to Rudys sons Cash App account because that account was apparently attached to the phone number. I spoke to Cash App on the XXXX XXXX to have thee transferred cancel and refunded. Within approximately XXXX minutes of realizing the payment had gone to the wrong person, a refund was requested. XXXX son acknowledged that the funds were not his and contacted Cash App to return the money. Cash App then stated that the refund could not be completed because there were insufficient funds or a balance issue on that account. XXXX XXXX account was in the negative. As of XXXX Since this payment failed to reach the intended XXXX XXXX XXXX, the contractor has now refused to complete the work, stating that he could not pay his workers because the payment issue was not resolved. As a result, I am now left without the completed work and without the funds being returned. Because the money did not reach the intended party, the recipient acknowledged it was not his, and Cash App has still failed to return the funds. I am requesting that this be investigated as a fraud/scam-related matter or, at minimum, an improperly handled erroneous transaction. I am requesting that Cash App / Block, Inc. be required to provide a full written explanation of why the funds were not returned after the recipient acknowledged the error and attempted to refund the money. I am also requesting that Cash App return the full amount of the transaction and explain why its system allowed the refund to be blocked due to an unrelated balance issue on the recipients account. Please include this statement as part of my formal complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bliksum, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding LoanMe, Inc. concerning an alleged account that I dispute as identity theft. I previously notified LoanMe in writing that the alleged account associated with partial account number XXXX was fraudulent and not opened by me. I provided my identifying information, FTC Identity Theft Report, and supporting documentation. LoanMe responded by stating they were unable to locate any account associated with my information while still referencing the alleged account number. I then sent a follow-up dispute letter on XX/XX/year> explaining that I do not have a LoanMe account, the account is fraudulent, and I have never been provided a complete account number despite multiple requests. Despite receiving my identity theft documentation and dispute correspondence, LoanMe has failed to provide a meaningful response or confirm that the account has been removed from collection activity or reporting. This matter is especially concerning because collection activity and/or litigation appears to still be ongoing despite LoanMe stating they could not identify or verify the account. I believe LoanMe failed to conduct a reasonable investigation and failed to properly respond to my identity theft dispute under the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
: I need immediate assistance regarding my gift card wherein I paid {$470.00} placed on the card and registered, it. I made two small purchases Leaving a balance of over {$450.00}., I was saving the larger amount to pay larger Travel expenses. The next time I checked My balance, your voice message listed it as zero balance, based on my receipts and known charging, this can not be correct. Black Hawk is the service company for visa XXXX XXXX cards. An email a request for assistance as per written above was sent to their administrative emails and customer service. Unfortunately I had previous irregularities and complaints with them, of potential breaches seem to have occurred on previously purchased cards Transactions ( see attached ). I firmly believe the transactions discrepancies etc. are NOT standard Charge Disputes from Merchant or done By individuals getting a hold of the card or gaining the number, but rather it is apparent that there has been a sophisticated cyber intrusion with methods of manipulating the transactions that show on the card.Note, This cyber intrusion and breaching I also noticed occurred going online to log into the registered gift card web site which as times showed the site was not available. I requested of Black Hawk an immediate reply with a list of each transaction for my card, which I have not received. There was however, a questionable email that was sent to me, and I am attaching copies of it as emailed to Blackhawk requesting that they validated considering it to be Phishing. Blackhawk has not responded. the email raises concerns of his facility and number one it asked things to me, but did not attach a dispute form, which is what I had requested via the IVR messaging for Blackhawk advising to leave your email address to have them send the dispute form. Secondly concerns include that I have been told through my previous research that the Dispute process is after customer fills out the dispute form, As received then, while the dispute process Opens And is in progress, the Customer Care mails out visa card with the unauthorized amount That has been taken from the customers card. NOTING : To further establish that this was done cyber related the Blackhawk IVR for listing the Transactions reported that in addition to the two smaller transactions, there was a transaction over {$400.00}, That was done involving XXXX play and XXXX ( Noting That I do not use apps, ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: VA

Complaint narrative:
Cash App abruptly closed both my business and personal accounts without providing a meaningful explanation or evidence of any actual suspicious activity. I had been openly using my business account for legitimate business-related transactions and did not attempt to hide that activity. The transactions on the account were consistent with normal business operations, customer payments, and transfers. Despite this, my business account was suddenly restricted and later closed. Shortly afterward, my personal accounts were also closed, seemingly by association, even though there was no fraudulent activity, unauthorized transactions, scams, chargebacks, or illegal conduct occurring on the accounts. I was not given any clear reason, specific policy violation, or opportunity to resolve the issue before losing access. When I contacted Cash App support, I received only generic responses stating that the accounts were closed for violating terms of service, but no specific details or evidence were provided. I attempted to obtain clarification and request a review, but support would not explain what supposedly triggered the closure. This situation has caused significant disruption to my finances and business operations. Cash App was an important payment platform for my business activity, and the closures negatively impacted my ability to receive payments and conduct normal transactions. I believe the company failed to properly explain the closures, failed to provide adequate transparency regarding the alleged suspicious activity, and unfairly terminated my accounts despite the activity being legitimate and openly conducted. I am requesting that Cash App conduct a proper review of the account closures, provide a specific explanation for the actions taken, and ensure compliance with applicable consumer protection and electronic funds transfer regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I received a XXXX from Cash App for receiving business transactions for XXXX month. I never record money. I do not have a business account. I asked for a corrected XXXX to state XXXX. I can't get help or support from Cash App. They just send me in a loop acting like they can help me. I want to close the Cash App personal account but if I do that they won't let me try to resolve their customer service. I am afraid they have my info and someone is committing tax fraud in my name. Or they are compromising my data. I'm very scared of what they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I was making payments all the way up until XXXX XXXX rate and payments was too high. And, the balance was never going down. I had disputed before and no changes were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I got a text message that said I owed over XXXX XXXX It says its from the city of XXXX XXXX finance. I have no idea why I would owe that money because I was hardly paid. I received less than XXXXXXXX XXXX from the city of XXXX XXXX and I didnt even receive my full pay check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am responding to your communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full amount of the alleged debt, including an itemization of any interest, fees, or charges 3. Copies of any documents bearing my signature showing I agreed to assume this debt 4. Proof that your company is legally authorized to collect this debt 5. Documentation showing you are licensed to collect debts in my state, if required 6. The date the debt was incurred and the date of the last payment made 7. Proof that the debt is within the applicable statute of limitations Until you provide proper validation of this debt, I request that you cease all collection activity and reporting to any credit reporting agencies regarding this account. If you have already reported this account to any credit bureau, please mark the account as disputed while this matter is under investigation. This letter is not an acknowledgment or acceptance of liability for the alleged debt, nor is it permission to contact me by telephone. I request that all future communications be made in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
As I was a victim to the XXXX data leak These cards and things start popping up as you see in the screenshot it was flagged by the credit agency as fraud in XXXX but then the debit agency added it back in XXXX how can they back date a charge that was a fraud They keep they keep every time I've moved they keep changing the date the original address was a fraudulent address and XXXX Florida when I moved they change the address to my new address I moved again they changed the address to my new address they keep reupting it but if If Capital One is fraud and was removed how did they convince them to put it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am submitting a consumer protection complaint regarding a vehicle purchase and financing transaction with XXXX XXXX XXXX. I visited the dealership after receiving a promotional advertisement offering " {$99.00} Down Delivers '' financing. Based on the advertisement, I reasonably believed I would qualify for financing under substantially similar terms. After arriving at the dealership, I was pressured into making a significantly larger down payment and entering financing terms that differed materially from the advertised promotion. During the financing process, I specifically requested XXXX insurance coverage and believed that it would be included in my financing agreement. After reviewing my contract documents, I discovered that XXXX coverage was not included despite my request. I believe the dealership engaged in misleading advertising, inadequate disclosure of financing terms, and deceptive sales practices during the transaction process. I am requesting : - A review and investigation of this transaction ; - Copies of all signed financing and dealership documents ; - Verification of all optional products discussed, accepted, or declined ; - Clarification regarding the omission of XXXX insurance coverage ; - Review of whether the dealerships advertising and financing practices comply with DC consumer protection laws. I request that all records, communications, advertisements, recordings, and financing documents related to this transaction be preserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CarMax, Inc.
State: SC

Complaint narrative:
I called Carmax financial asking for proof of this account. Also disputed with all three credit bureaus. It was removed from XXXX with no problem couldnt verify it with their verification friends union told me I need to call the collector and talk with them. XXXX didnt provide me any kind of information whatsoever on how they verified this account when I cant even get verification of the account my complaint is I would like to have it verified and updating the way they have it on my XXXX and XXXX account does not make any kind of sense. I disputed it with XXXX on XX/XX/XXXX. I sent them certified mail with my complaint for them to check in accuracies on my credit report. The complaint is that XXXX found it as no proof was provided. They removed it. This item needs to be removed as fast as possible off my credit reports if I cant get a response that everything is 100 % accurate that is being reported in efficiently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
I have submitted this prior back in XXXX XXXX and it is still happening. Since I submitted the information on this matter I have received numerous threatening emails. I have saved the emails and even informed the sender that I contact the company they stated was the primary company : ( Speedy Cash ) and the company stated that I have never had a loan with them or any of their affiliates and that they did not recognize the names of the senders. I have even blocked them, however they just use a different name or email and send more. I have every email from them and even my reply on certain ones, others I just ignored. Email received : Title Final Legal Demand & Enforcement Notice From : XXXX Authorized by : XXXX XXXX, Debt Enforcement & Civil Recovery Division Reads : This communication serves as your final legal warning before escalation into civil court proceedings. You are liable for the unpaid balance of {$2900.00}, outstanding despite repeated notifications and settlement opportunities. Failure to resolve this debt within the mandatory response window will result in immediate litigation, judgement entry, and enfocement. There is a lot more after that but, I have never had an account with any company they say they represent and they state that the parent company is Speedy Cash, whom I contacted and stated what they told me. I just want this matter to be resolved and these scammers or fraudsters to get caught.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
My home was sold in XXXX of XXXX and because my exs name was also listed on the home, this company put a lien on the profit made from the sale, through probate. Per my court order, I was awarded all equity in the home, but this company still put the lien for a debt that is not mine. My attorney has made multiple attempts to get the pay off lien with this company, as it Woolf be easier for me to just sue my ex to reclaim the money lost than to fight this company about the lien for a debt that is not mine. This company has refused all attempts made by my attorney to get the lien payment. They refuse to take the payoff ( even though it is for the exact amount they put the lien on for ), and they have refused to communicate at all. At this point, they are refusing the funds to pay off the lien with no communication as to why ( which is holding up all of the remaining funds in probate ). This has been ongoing for months. The debt collector is Calvary SPV.

Company response to consumer: Closed with explanation