vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KS

Complaint narrative:
I am filing this complaint regarding Cash Apps handling of unauthorized transactions and the subsequent closure of my account and device ban. 

After reviewing my Cash App transaction history, I discovered approximately 911 transactions that I did not make and did not authorize. I immediately contacted Cash App support to report the issue. Their support representatives instructed me to dispute all of the unauthorized transactions, which I did exactly as directed. 

Shortly after following their instructions, my Cash App account was closed for fraudulent activity without any specific explanation. In addition to closing my account, Cash App also banned my device, preventing me from accessing or creating an account at all. 

I was never provided with any details explaining what activity they believed was fraudulent, how I violated their terms, or how reporting unauthorized transactions resulted in punitive action against me. I relied on Cash Apps support team for guidance and complied fully with their instructions, yet I was effectively punished for reporting fraud rather than being protected as a consumer. 

I have appealed the decision multiple times through Cash App support and have been denied each time without any meaningful explanation or opportunity to address the alleged issue. 

I am requesting that Cash App : 1. Provide a clear and specific explanation for the account closure and device ban 2. Review my case with proper consideration of the fact that I was reporting unauthorized transactions 3. Restore my account and remove the device ban, or at minimum return any remaining funds and provide a documented justification for their actions I believe Cash App failed to properly investigate the unauthorized transactions and failed to treat me fairly as a consumer reporting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Multiple Unauthorized Pending Charges and Failure to Provide Services XXXX XXXX Bank of America My name is XXXX XXXX, and I am submitting this complaint regarding a serious billing issue involving XXXX and my debit card account with Bank of America. 
On XX/XX/year>, I attempted to book a flight and hotel package through XXXX with a total cost of {$1300.00}. XXXX informed me that my card was declined, and the reservation was never confirmed. 
However, despite the alleged decline, my Bank of America account reflects multiple pending authorization charges initiated during the transaction attempt, including : XXXX pending charges of {$500.00} XXXX additional authorization charges of {$1.00} These pending authorizations total {$1500.00}, which exceeds the original purchase amount and has placed an inappropriate hold on my funds. 
All transactions remain listed as Processing, with the note : Amount may change waiting for final amount from merchant. 
These repeated pending authorizations have caused significant financial hardship by restricting access to over {$1500.00} of my available funds, despite no confirmed reservation or completed purchase. 
XXXX failed to : Complete the reservation Provide confirmation of any booking Offer immediate assistance to rebook Prevent multiple authorization attempts

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 2026-02-08 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I was charged {$3200.00} by XXXX for a short-term rental stay scheduled for XXXX XXXX XXXX  ( Reservation ID XXXX ). 

On XX/XX/XXXX, I checked into the property. The listing advertised approximately XXXX XXXX XXXX, a pool, and working XXXX. Upon arrival, the unit was approximately XXXX XXXX XXXX there was no functioning pool, and XXXX XXXX not work. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted XXXX XXXX  multiple times to report the misrepresentation and lack of amenities. XXXX agents opened multiple cases, confirmed escalation, and informed me that I qualified for a refund under XXXX XXXX with XXXX XXXX. I was told that a refund request had been submitted on my behalf. Relying on those assurances, I remained at the property instead of relocating. 

On XX/XX/XXXX, I filed a dispute with Citibank for the full amount of {$3200.00} as services not as described. Citibank issued conditional credit. 

In XX/XX/XXXX, Citibank reversed the conditional credit after accepting the merchants response, without addressing the documented misrepresentation, the refund assurances provided by XXXX, or the fact that the listing was later XXXX. 

I am requesting that Citibank reopen the dispute, conduct a proper review consistent with card network rules for misrepresentation, and reinstate the disputed credit. 

Attached is written confirmation from XXXX that the host failed to provide sufficient evidence and that the listing was suspended as a result.

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 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
After reviewing my credit reports from XXXX XXXX and XXXX  dated XX/XX/XXXX, I identified the following collection accounts that I am disputing due to concerns regarding accuracy, authorization, and verification. 

This account is reported as an unpaid collection account with a substantial balance. I dispute this account in its entirety. I did not authorize or agree to the debt as reported, and I am requesting full verification, including proof of contractual obligation, itemized charges, and documentation supporting the reported balance. 

National Credit Systems Original Creditor : XXXX  Date Opened : XX/XX/XXXX Balance Reported : {$1700.00} Last Reported : XX/XX/XXXX ( XXXX  ) All collection accounts continue to be reported despite being disputed, and I am concerned that the information being furnished is inaccurate, incomplete, or unverifiable. The continued reporting of these accounts is causing significant harm to my credit profile.

I am requesting that the CFPB review this matter and assist in ensuring that these companies comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including proper investigation, verification, and correction or removal of any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The XXXXXXXX XXXX XXXX WAS opened on XXXX XXXXwithout my consent and knowledge. The debt amount is {$31.00}. Please help me to remove the fraudulent opened account from the all credit bureaus reports. 
Its doesnt allow me to get a new cards for me, a new car lease. Please help.

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 2026-02-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MA

Complaint narrative:
I received a collection on my credit report about a XXXX  account that was opened in my name I never had a XXXX account ever I had lost my wallet with my identification and social security card and someone opened multiple credit cards and accounts from stealing my identity I contacted XXXX and even tried reaching out to the collector about the problem the collection was removed from my credit report only to be added right back on to my report not only is the collection on my report once it's showing two collections from them and I really need this removed from my report I never had a XXXX  account at all and it's really effecting my credit report ive reached out to them and still haven't received any help on getting them removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group
State: OH

Complaint narrative:
I had a consolidation loan of credit card debt with upstart for roughly XXXX. I own my own business and the business over the last several months has faltered. I am making XXXX a month because I am an XXXX XXXX. I would never have taken that loan out if I knew my business was going to falter after 31 years. I have no other income I am XXXX my husband is retired we live on social security. When I explained I could not pay the loan I was turned over to Velocity investments, an aggressive collection agency. Now I know they bought that XXXX loan for Pennies on the dollar and my settlement offer was XXXX at XXXX a month. Of course I agreed to it but over the course of not getting paid and only making the XXXX a month because of XXXX XXXX  laws I am not able to afford that much money a month. The manager XXXX is horrible every time I ask to renegotiate to get that amount down she tells me if I break the contract XXXX owe the original XXXX. Her tactics are bullying and harassing, shes nasty and threatens to go back to the XXXX. Im being honest she will not lower the settlement, they gave me XXXX off, and her last proposal was XXXX let me pay the XXXX in stages as long as the entire XXXX was paid, I reluctantly agreed but its XXXX and I cant do that either Im finding out, the money is not there the business had XXXX income in XXXX and I received some money this month but not enough to pay this amount. She is predatory and aggressive and I cant get anywhere or she threatens to take the payback back to XXXX if I break the agreement. This is predatory no regulation and all I want to do is lower the amount I owe without the threats of going back to the XXXX. I know they are making a lot more money than they paid for that debt and she keeps saying that has nothing to do with this situation. You bet it does! I own nothing my credit has tanked, everything is in my husbands name so exactly where is this money coming from. My business may not survive, but shes causing me stress and has me scared about taking that amount back up if I want to renegotiate. You should be able to work with a company and not feel forced into compliance which is what is happening. Its wrong. I feel trapped I want to renegotiate but Im being threatened by her to raise it back. Please help me I am stressed beyond words. These people are vultures and XXXX is the catslyst here, no one is above her and I cant stand her tactics. Yes I agreed to the XXXX scenario but I can not do it I felt forced into it. They have no empathy and just take advantage of peoples hardships. I should be able to renegotiate that debt from where it is now around XXXX. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) recently started calling me daily, I answered a call on XX/XX/year> and the woman I spoke to said they were attempting to collect a debt from Capital One after I disputed it via XXXX, I explained I was the victim of identity theft and explained that I could provide my FTC report my reference number is XXXX. I also filed a police report with XXXX XXXXXXXX XXXX XXXXt my case number is XXXX. Also in accordance with the Fair Debt Collection Practices Act, I demanded they stop collection proceedings against me and remove the fraudulent account. The debt is the result of identity theft. I'm submitting a complaint today because they are persistence about this debt which was the result of identity theft and I will consider legal action if they continue to disregard the fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am disputing an unauthorized {$36.00} charge that Chime denied in under XXXX XXXX without a reasonable investigation, which is a violation of Regulation E ( 12 CFR 1005.11 ). I have attached an official FTC Identity Theft Report ( Report # [ XXXX ] ) confirming this was fraud. Chime 's automated XXXX  denial ignores this federal evidence and fails to meet the legal standards for a thorough investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe. 

Pursuant to the XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g XXXX XXXX I am requesting XXXX XXXX  full validation and verification XXXX XXXX of the alleged debt. Please be advised that this is XXXX XXXX  not a refusal to pay XXXX XXXX but a request for proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The XXXX credit card was open on XX/XX/year> without my consent and knowledge. The debt amount is {$31000.00}. Please help me to remove the fraudulent opened account from the all credit bureaus reports ( XXXX XXXX Equifax ). It is doesnt allow me to get a new cards for myself, to lease a new car or buy a small house. Please help me to resolve this problem. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
Repeated calls from Capital One about XXXX worth of debt. 
Informed company that I was under agreement with 3rd Party, XXXX, XXXX XXXX XXXX XXXX. 
Told Capital One to Contact XXXX. 
Capital One did not honor that request and continues to harass me instead. 
Calls while im at work Calls multiple times per week. 
Will not work with aforementioned 3rd party company to resolve debt. 
XXXX Calls between XX/XX/year> and XXXX. 
3rd party company orders to stop paying debt amd make payments to them instead. Massive FICO damage to my credit report due to negative reports, in spite of regular biweekly payments to 3rd party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a formal complaint regarding a serious privacy and data protection failure by U.S. Bank. 



On or about XXXXXXXX XXXX U.S. Bank sent me an email that contained another customers loan application information. The document appeared to be a XXXX XXXX XXXX XXXX ( Form XXXX ). 



The disclosed information included highly sensitive personal and financial data belonging to another customer. This appears to be nonpublic personal financial information that should have been protected. 



I did not request or authorize receiving any other customers data.

After discovering this incident, I attempted to contact U.S. Bank to report the issue and seek clarification.

However, I was redirected multiple times and my concerns were not properly addressed at all.

No remediation, explanation, or corrective action was provided to me.

This situation raises serious concerns regarding U.S. Banks data handling practices, internal controls, and compliance with federal privacy regulations.

I am requesting that : The incident be formally investigated U.S. Bank confirm how this breach occurred U.S. Bank confirm what corrective actions have been taken Regulators evaluate whether other customers may have been impacted I am concerned this may represent a broader systemic data protection failure rather than an isolated incident.

I have retained copies of the communication email and documentation and can provide them upon request.

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 2026-02-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
I'm being charged {$18000.00} on behalf of XXXX XXXX XXXX for debt I don't owe. I have not signed a lease with XXXX XXXX since XXXX. I've contacted XXXX XXXX XXXX, I believe in XXXX or XXXX to advise I moved out and wanted off the lease. I have not signed a lease agreement with this company since. My sister XXXX XXXX and mother XXXX XXXX have lived at their property from XXXX up to their eviction in XXXX. I believe XXXX of these individuals has signed on behalf without my consent and knowledge and this is fraudulent. This needs to come off my report immediately. I will contact the debt collectors soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Credee Corporation
State: AL

Complaint narrative:
These people illegally Has been transferring money from my account I have all my documents and I saving the big one for last.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
To Whom It XXXX Concern, This letter is a * * formal follow-up * * to my prior * * Debt Validation Request * * sent on XXXX, pursuant to the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * *.

To date, I have * * not received proper v
alidation * * of the alleged debt you are reporting and/or attempting to collect. Despite this failure, the account continues to be reported to consumer reporting agencies, which constitutes * * continued collection activity * *.

Please be advised of the following : * Under * * 15 U.S.C. 1692g ( b ) * *, a debt collector must * * cease all collection activity * * until proper validation is provided.

* Reporting or verifying a debt with consumer reporting agencies * * without validation * * is considered collection activity and may violate the FDCPA.

* Furnishing inaccurate or unverified information to credit bureaus may also violate the * * Fair Credit Reporting Act * *, including * * 15 U.S.C. 1681e ( b ) * * and * * 1681s-2 ( b ) * *.

Because you have failed to provide the required documentation, I am requesting the following : 1. * * Immediate deletion * * of this account from all consumer reporting agencies 2. * * Written confirmation * * that the account has been deleted 3. * * XXXX of all collection activity * * related to this alleged debt If you are unable or unwilling to comply, please consider this notice that I am documenting your continued reporting and may pursue all remedies available to me under federal law.

This letter is not an acknowledgment of liability for the alleged debt. 

Please respond in writing only.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 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: FL

Complaint narrative:
To Whom It May Concern, This letter is being sent in response to your reporting and/or communication regarding an alleged debt that you claim I owe. 

Pursuant to the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *, I am requesting * * full validation and verification * * of the alleged debt. Please be advised that this is * * not a refusal to pay * *, but a request for proper documentation. 

Please provide the following : 1. The * * name and address of the original creditor * * 2. The * * amount of the alleged debt * *, including an itemized breakdown of principal, interest, fees, and charges 3. Copies of any * * signed contract, agreement, or application * * bearing my signature 4. Proof that you are * * legally authorized to collect * * on this debt, including assignment or purchase documentation 5. The * * date of last payment * * and the * * date the debt was incurred * * 6. Proof that the debt has been * * accurately reported * * to the consumer reporting agencies Until this information is provided, you must * * cease all collection activity * *, including reporting or verifying the account to any consumer reporting agency, as required by * * 15 U.S.C. 1692g ( b ) * *.

If you are unable to provide the requested validation, I request that this account be * * removed from my credit report * * and that I receive written confirmation of the deletion. 

Please provide the requested documentation in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: AL

Complaint narrative:
A charged-off auto loan is being reported with inconsistent balances across credit reporting agencies. XXXX XXXX shows a balance of {$20000.00} while XXXX XXXX shows approximately $ XXXX for the same account. The account is closed and charged off, yet the balance continues to vary. This indicates inaccurate furnishing of information in violation of the Fair Credit Reporting Act. I am requesting correction or deletion of inaccurate credit reporting.

Company response to consumer: Closed with explanation