vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: WI

Complaint narrative:
On XXXX XXXX, XXXX my phone was stolen by a man named XXXX XXXX who then went on to proceed to gain access to my Cash App which was connected to my bank and he withdrew XXXX and sent XXXX to his mother XXXX XXXX and XXXX to his girlfriend XXXX XXXX XXXX I reported this to all the parties who should be contacted XXXX. police, Cash App and my bank XXXX XXXX who then gave me a credit to reimburse my stolen funds. Then over XXXX  months later on XX/XX/XXXX XXXX XXXX took XXXX out of my bank account citing Cash App was responsible to reimburse me for the money so now XXXX in the negatives and cant pay my bills due to this. I then contacted Cash App who refuses to give me the transactions reports of my previous Cash App account it was stolen from although I cited the right to know etc. I need this money back cuz I did everything right but Cash App and XXXX XXXX are pointing XXXX  fingers at each other saying each other are responsible. I did everything right so why am I financially hurting yet. And on XX/XX/XXXX I contacted the police again who told me I cant press charges which is preposterous!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I checked my credit report and it said that in XXXX of XXXX  there was an account opened and an outstanding balance to a debt collector named security credit services I contacted security credit services they said it was regarding a XXXX phone that was leased and not paid for It showed a {$320.00} balance I have never leased a phone in my life but I have paid for all my cell phones in full from XXXX which is the only cell phone company I've ever had I contacted XXXX they have no record of any debt or any outstanding balance or any leased phone so I called security credit services back and asked for a validation letter they sent me a validation letter but knowing that this was not my debt I called their phone number and they only had an automated service and there was no option to dispute or talk to a customer service representative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting this complaint regarding improper debt collection and account mismanagement by Macys XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This dispute arises from Macys failure to properly close and reconcile a legacy credit card account, resulting in improper interest, late fees, and collection activity on an account that should not have remained active. 

Background : - A Macys credit card account ending in XXXX was opened in XXXX and requested to be closed in XX/XX/XXXX. 
- In XX/XX/XXXX, purchases totaling {$1300.00} were made on a newly issued XXXX card ending in XXXX under a XXXX  % new-card promotion. 
- These charges were fully paid via XXXX XXXX XXXXXXXX in XXXX and XX/XX/XXXX. 
- Despite payment, Macys failed to properly close or reconcile the XXXX account. 
- No new purchases were made on the XXXX account. All subsequent balances consist entirely of interest and late fees. 

Nevertheless, Macys treated the account as delinquent and referred it to collections. 

This constitutes improper account management, failure to conduct a reasonable investigation, and improper collection activity. 

Requested Resolution : - Immediate withdrawal of the account from collections - Reversal of all interest and late fees - Permanent closure of the XXXX account with a XXXX balance - Correction of any inaccurate internal records and credit reporting Thank you for your assistance.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
Account : Nissan Motor Acceptance Disputed Item : XXXX Late Payment Reporting Reason : Inaccurate Furnisher Contradiction On XX/XX/XXXX, Nissan Motor XXXX XXXX XXXX XXXX displayed my account as : Paid Through : XX/XX/XXXX Next Payment Due : XX/XX/XXXX The account was therefore represented as CURRENT at the time. 

Nissan can not lawfully report a XXXX delinquency while simultaneously representing the account as paid through XXXX with a future due date in XXXX. 

This is a factual contradiction and constitutes inaccurate furnishing under the FCRA. 


Attachments : XXXX of Nissan portal dated XX/XX/XXXX ( Exhibit A ) and my XXXX calls to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XXXX XXXX at XXXX XXXX  I got a private call thought it was my customer. Instead a man lieutenant XXXX telling me I have a failure to appear in court and a warrant for my arrest and that I can clear it up. Prior to that 7 months ago I had a letter that I could be a juror in federal court but nothing happened. He told me my husband could not go and that I should stay on the phone with him the whole time. Drive to this address XXXX XXXX XXXX XXXX XXXXHe said pull over a cop can see you on the phone while driving and arrest you. He sent me an email nothing so a txt with my warrant arrest. Then he would need {$3000.00} to put warrant on hold I said I don't have that kind of money then {$1500.00}. I then called my sister inlaw. He had my on speaker phone not to say anything. She got really worried then heard me talking and heard warrant she said this sounds like a scam I hung up. I told him I have XXXX I can send in Chime. He got back to me and said {$320.00} meanwhile my phone is going crazy with calls he said do not answer it. I then sent the money phone dropped. I got a txt don't send money it's a scam. I immediately called Chime the agent said sorry no disputes. I then later called the girl said in days 10 give you a temporary credit. I then sent photos anything to prove that I sent money to a criminal. They denied me in 4 days. I was absolutely furious I called asking why when I never had a dispute nor would I ever send that large amount no way. I kept saying you're giving this money my money to criminals. It says in their policy they monitor transfers and fraud scams or financial harm. Could freeze hold account. The idea not go to authorities is unbelievable especially when it was all over social media as I said to them. I want my money back. I don't know who is worse Chime or the criminal who pretended to be a cop and that Chime did nothing to help could potentially caught the criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
NAVY FEDERAL XX/XX/XXXX ( XXXX CLOSED ACCOUNT DPT EDXXXX XXXX XXXX XXXX ( XXXX XXXX ) DELETE LATE PAYMENT 15 U.S.C 1666 ( b ) DELETE INACCURATE INFORMATION 15 U.S.C 1681 15 U.S.C 1681c-2, or Section 605B Of the Fair Credit Reporting Act ( FCRA ), empowers consumers to legally require credit reporting agencies to block fraudulent information, such as fraudulent accounts or debts, resulting from identity theft from appearing on their credit reports.It forces bureaus to remove this data within 4 business days of receiving proper documentation 15 U.S.C 1681s-2 ( a ) ( 4 ), entities that furnish information to credit reporting agencies ( CRAs ) must report when a consumer voluntarily closure on the consumer 's credit report. This ensures accurate, updated accounts statuses.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
UPDATE TO PREVIOUS COMPLAINT XXXX XXXXXXXX My previous complaint ( filed XX/XX/XXXX ) was closed because Blackhawk Network promised to assist me. They have failed to do so. Instead, they have engaged in deceptive delay tactics and violated federal law. This is a NEW complaint regarding their conduct * after * the previous case was closed. 

THE SHORT VERSION : I reported {$110.00} in fraud on XX/XX/XXXX. It is now XX/XX/XXXX. Not only have I received no refund, but XXXX just told me in writing that I should expect to wait " XXXX to XXXX  days. '' Federal law ( Regulation XXXX ) mandates a XXXX resolution. They know this. They don't care. 

THE " CASE CHURNING '' SCHEME ( New Evidence ) : On XX/XX/XXXX, XXXX  arbitrarily CLOSED my active dispute case ( XXXX XXXXXXXX ) and immediately OPENED a new XXXX ( XXXX XXXXXXXX ) for the exact same issue. 
- Why? To reset the " Days Open '' metric. 
- Result : When regulators audit them, this looks like a " new '' case. In reality, I have been waiting over a month. This is a deliberate manipulation of data to evade oversight. 

THE " DRIP-FEED '' DELAY TACTIC : XX/XX/XXXX : I reported the fraud. 
XX/XX/XXXX : They asked for a form and utility bill. I sent it. 
XX/XX/XXXX : After opening the " new '' case, they demanded NEW documents ( photos/receipts ) they could have asked for earlier. I sent them. 
XX/XX/XXXX : XXXX weeks later, they responded : " This process can take between XXXX to XXXX  days. '' THE ILLEGALITY : Under the Electronic Fund Transfer Act ( XXXX XXXX XXXX ) : XXXX. They must resolve disputes in XXXX business days. ( Deadline passed XXXX XXXX ). 
XXXX. Or provide provisional credit. ( They have not ). 

MY EXPERIENCE : On XX/XX/XXXX, thieves drained {$110.00} from my card. I still have the card ; I never shared the number. Reporting this was a nightmare : - Website : Technical errors prevented registration. 
- Phone : XXXX minute infinite loop of robot messages. No human option. 
- Support : Promised emails never arrived. 

I have done everything right. XXXX has stalled, reset case numbers, and now openly admits to a timeline that violates federal law. I request immediate enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App failed to provide my required XXXX for tax year XXXX  by the IRS deadline XXXX XX/XX/XXXX. I have contacted support multiple times with no resolution. The document is not available in my account. I am requesting immediate issuance or written confirmation that it was never filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
In XX/XX/year>. I purchased a XXXX from XXXX XXXX XXXX and financed the transaction through Wells Fargo Auto. As part of the transaction, I traded in my prior XXXX  and negative equity was rolled into the new loan. 

At the time of sale, the XXXX did not disclose that the XXXX I traded had prior XXXX XXXX. I later obtained documentation from the XXXX XXXX XXXXXXXX showing that the XXXX had been involved in a XXXX XXXX and had sustained damage that was not disclosed at the time of sale. 

This undisclosed XXXX XXXX materially affected the XXXX value and directly impacted the accuracy of the XXXX valuation and the amount of negative equity included in the loan. I would not have agreed to the transaction on the same terms had this information been disclosed. 

After discovering this information, I contacted Wells Fargo Auto and submitted a formal dispute explaining that the loan was based on material misrepresentation by the dealership and an inaccurate XXXX  valuation. 

Despite explaining the circumstances, Wells Fargo closed my dispute without fully addressing the impact of the undisclosed damage on the XXXX value and loan terms. Wells Fargo did not request any additional documentation from me and relied solely on the XXXX as-is designation when closing my dispute. 

I have documentation and communications showing the XXXXXXXX XXXX XXXX, including information related to XXXX XXXX  and XXXX XXXX. I shared these concerns with the XXXX XXXXXXXX XXXXXXXX and requested clarification and resolution. After I raised these issues and provided supporting information, the XXXX stopped engaging with me and instead referred the matter to legal counsel without addressing the substance of my concerns. 

Wells Fargo has not meaningfully reviewed this documentation or considered how this information affects the accuracy of the XXXX  valuation and loan terms. 

I continue to be held responsible for a loan that was structured using inaccurate and incomplete information. Wells Fargo has not conducted a full and fair review of the dealerships misrepresentation and its effect on my XXXX and XXXX XXXX 

I am requesting that Wells Fargo conduct a proper investigation, reconsider my dispute, and provide appropriate relief.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I viewed my XXXX  Credit Report, JEFFERSON CAPITAL SYSTEM is showing multiple times on my credit report for the amount of XXXX. I visited the website to verify the debt. It says that the debt was sold to a different credit debtor which is not JEFFERSON CAPITAL SYSTEM on XXXX  report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
On Tuesday morning I discovered that scammers scammed me in my account. I called the bank and tried to get things handled. The account was restricted but it also restricted my new account so I called and asked that they just restrict the account with fraud activity so nothing goes in and nothing comes out. Welp they didn't fix anything. The scammers went in my account and disputed my rent so that money is now being used to pay incoming transactions. I was on the phone for 8 hours on Tuesday and 2hours on Wednesday and nothing has changed I am not paying back any of the {$1400.00} that is coming out of my account. When I asked them to restrict the account ending in XXXX they also restricted the new account ending in XXXX. I asked for them to expedite a new debit card for the new account and they said no I have to wait for my new one. I not paying back any of the used money because I have been honest and telling them to do what any bank would and old the {$400.00} and restrict the account so that no money comes from the {$1100.00} because it's my rent and they are not listening they are paying stuff with fraudulent money. I know this and so do they. I have asked for a supervisor and they tell me that I have to wait 2 days. Please HELP ME.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capitol has 2 collection accounts on my credit. They are duplicate account reporting to my credit. I have done no business with Jefferson capitol ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint regarding LVNV FUNDING LLC, which is attempting to collect and report an alleged XXXX XXXX XXXX XXXX XXXX  account. 

The collection agency has engaged in unlawful and non-compliant collection practices, including but not limited to : Repeated and harassing telephone calls Reporting an inaccurate and/or inflated balance Failure to provide proper validation of the debt upon dispute Continuing collection and credit reporting activity despite violations of the Fair Debt Collection Practices Act ( FDCPA ) The volume and persistence of the calls constitute harassment under 15 U.S.C. 1692d. Additionally, the account is being reported to the credit bureaus with information that I believe is inaccurate and not properly substantiated, in violation of 15 U.S.C. 1692e and the Fair Credit Reporting Act ( FCRA ). 

I have not been provided with complete and lawful validation of this debt, including a full accounting of the amount claimed, proof of authority to collect, or documentation establishing the accuracy of the information being furnished to consumer reporting agencies. 

Despite these deficiencies, the collection agency continues to report the account, causing ongoing harm to my credit profile while engaging in unlawful collection conduct. 

I believe this behavior demonstrates a systemic compliance failure and an abuse of consumer reporting as a coercive collection tool.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: NC

Complaint narrative:
My Cash App account was abruptly closed, when I reach out to customer service they mention gambling which violated terms but Ive never in my life gambled or did anything wrong with my Cash App. I was in the hospital XXXX XXXX XXXX  when they closed my account unexpectedly and my family members was sending me money so I could eat

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am the current legal owner of a vehicle with VIN : XXXX. I hold a clean physical New York Title in my name, and the NY DMV has issued an official " Lien Status Report '' confirming there are ZERO ( 0 ) active liens on this vehicle.

However, Santander Consumer USA continues to report an outdated/inactive lien from a previous owner in commercial databases ( such as XXXX and XXXX ). I have contacted Santander multiple times requesting a " Lien Release '' or a " Letter of No Interest '' to clear this error. Santander agents verbally admit they have no interest in the vehicle but refuse to provide documentation or update the records, citing " internal policies '' because I am not the original account holder.

This inaccurate reporting is causing me direct financial harm, as it prevents me from trading or selling my legal property to dealerships like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and repeated autopay failures by Capital One, which resulted in late payment reporting that does not accurately reflect my payment behavior. 

I had autopay enabled on my Capital One account, scheduled for the statement due date, during the following billing cycles : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX In each instance, Capital Ones autopay failed to process, despite remaining enabled on my account. I was not notified in advance that the payment would fail. Upon discovering the failure, I submitted payment manually within a few days of the due date each time, bringing the account current well before 30 days past due. 

Despite this, Capital One reported these payments as late to the credit bureaus, resulting in negative credit reporting. These reports do not accurately reflect the actual payment timing or my intent to pay, as the failures were caused by Capital Ones autopay system and not by an intentional or prolonged delinquency on my part. 

Autopay was enabled specifically to avoid missed payments. Reporting these incidents as latewhen payment was made promptly after an autopay failureconstitutes inaccurate and unfair credit reporting, particularly when the consumer took reasonable steps to ensure timely payment. 

I am requesting : 1. Correction or removal of the reported late payments associated with these autopay failures.

2. Confirmation that Capital One has reviewed and addressed the autopay system failures that caused these issues.

3. Assurance that future payments will not be inaccurately reported when autopay is enabled and functioning improperly. 

I believe this reporting violates the Fair Credit Reporting Acts requirement that information furnished to credit bureaus be accurate and complete, and I am requesting the CFPBs assistance in resolving this matter. 

The file attached is a screenshot from my Capital One app showing I have autopay enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Transaction ID : XXXX Original Payment Date : XX/XX/year> Expected Refund Amount : {$1700.00} Amount Received : {$630.00} The refunded amount is incorrect, and I kindly request that the remaining balance of {$1100.00} be reviewed and issued as soon as possible. I have reached out several times to handle this matter.

Company response to consumer: Closed with explanation