vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
I was bombarded with calls from a " XXXX '' who called me, my wife, both of my Mom 's, and my place of employment and threatened they will locate me and they wouldn't stop until I was found. I called the number in the voicemail for a business called XXXX ( very vague name ) and they did have information regarding a debt that I do owe. I was informed that my debt was on its way to court ( but I advised them that I never got any information from the company Acima that it was sold ). I asked for paperwork to prove they are in ownership of my debt but told me that they can't do that due to they are just a " filing office '' and I would get a letter once the debt is fully paid. Of the debt due I was pressured more or less into making a {$110.00} payment and setting up a payment plan. They would only take a debit card and their payment processor is called XXXX XXXX. Once the payment was made, I was told the only way to track my payments is through my debit card number when reaching out to XXXX XXXX which is very strange that I wouldn't be able to track it any other way. I told them I would contact Acima to make sure they are the true owners of the debt. In which I was told that I could do that and the chain of command would lead me back to them. But still refused to provide me with any website info or anything to look them up since they are just a filing office. So after a little bit I was feeling a bit scammed, I called Acima and they provided me with the number to Collection Attorneys ( I haven't gotten to speak with anyone there yet ). In regards to XXXX, I feel they did scam me and harassed my family and I and feel like I should report them. Also I would like to note that when I first called I was asked the case number and other verifying info but then I called again to verify the number for XXXX XXXX and the '' representative '' was somehow about to just find me by name with no confirmation of spelling or anything. Another red flag. All of this happened on XX/XX/year> for all first contacts ( including the locator who seemed to be spoofing numbers to match area codes of my family and I ) and also double checked my mail and email with no notices that the debt was sold or that there was a lawsuit. Amounts I was told I would have to pay were {$1200.00} to pay the amount owned plus fees ( not sure of the legal terms used ) or {$2500.00} if it went to court. Number to XXXX is ( XXXX ) XXXX and number to XXXX XXXX is XXXX ( I was told once the payment was made I could find the number to the payment processor on my bank statement but that number was XXXX ( this seemed fishy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: Credit Karma, LLC
State: FL

Complaint narrative:
I am filing this complaint because Credit Karma denied my dispute for over {$8000.00} in transactions that I did not authorize. On XX/XX/year>, my minor son took my phone without my knowledge and used my stored debit card to purchase digital coins on a website called XXXX. He made multiple transactions over about XXXX hours, totaling more than {$8000.00}. I did not know this was happening. I did not give him permission to use my debit card. He is a minor and is not an authorized user on my account. I only found out when I noticed unexpected charges on my main bank account. After that, I checked my Credit Karma account and saw the same type of charges there. I reported everything as soon as I discovered it. When I contacted the merchant, I explained clearly that these transactions were made by a minor without my authorization. They told me they could not refund the money. I was removed from the account and then asked to submit a government ID and complete a live video verification. I refused because that kind of verification should have happened before allowing a minor to deposit over {$8000.00} in less than XXXX hours not after the fact. I later found an email from the merchant referencing a {$5000.00} deposit limit for responsible gaming, yet they allowed deposits well over that amount. Also, the coins that were purchased are still sitting in the account unused. When I tried to withdraw, it said 60 % of the funds had to be used before anything could be taken out. When I disputed the charges with Credit Karma, I repeatedly stated that these were unauthorized transactions. I explained multiple times that my son is a minor and did not have permission to use my card. Despite that, the dispute was closed in favor of the merchant with the explanation that I authorized the transactions. That is simply not true. I never authorized these payments. I did not benefit from them. I reported the issue as soon as I became aware of it. For comparison, my primary bank reviewed the same facts and ruled in my favor after looking at my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I submitted a dispute on XX/XX/year>. The credit card company is Wells Fargo. Here is the information of the dispute : Date Posted : XX/XX/year> Merchant Name : XXXX XXXX Amount of Transaction : XXXX The reason for the dispute is that this merchant charged me but never offered their service. I placed my order on XX/XX/XXXX with a promised delivery time of XXXX days. Even allowing additional processing time, it has now been over a month with no tracking information. Also, I can find a lot of comments said XXXXXXXX XXXX XXXXXXXX is a fraud. So I want a chargeback and submitted the dispute. Wells Fargo 's action included asking me the reason on a phone call when I initiated the claim, and requiring another phone call asking me similar questions. I answered exactly as above, but they denied my dispute after a few days.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

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 m! 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 innanenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take XXXX timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces + 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 redres.. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MD

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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 2026-02-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: LA

Complaint narrative:
Kickoff To Whom It May Concern, I am writing to formally dispute the following information appearing on my credit report regarding the account with Kikoff Lending LLC. information currently being reported is misleading and/or inaccurate for the following reason ( XXXX ) : [ Reason Incorrect Payment Status ] The report shows a late payment for [ XXXX ], but I have records showing the account was never used. Credit Limit/Balance ] The account is reporting in a way that negatively impacts my debt-to-credit ratio despite the service 's marketing as a credit builder. The advertisement for kickoff with misleading, and its messing with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
CONSUMER ADJUSTMENT CO is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSUMER ADJUSTMENT CO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
I am XXXX years old. I decided to invest in crypto as a " lottery ticket '' for my children and grandchildren. I bought XXXX through XXXX and XXXX with Robinhood. For security purposes I have decided to transfer a large portion of my tokens to a Private Custody Account with XXXX XXXX. The people at XXXX are very helpful and they walked through the transfer process. They do a micro transfer to verify the process and then let me do subsequent transactions. I have had no problems with XXXX. Robinhood has frozen my account. They asked me to verify my identity which is to be expected. I sent pictures of my XXXX Driver 's license and a selfie for them to match it to. This should take a few days at the most. It's been over a week and overtime they commit to give me an answer they push back the date. They are playing games. I have done what they have asked and communicated by email with their support team and receive boilerplate responses. I discussed this with XXXX and they said Robinhood does this because they don't possess enough tokens to cover their liabilities. It also turns out that I have more XXXX tokens than 99 % of XXXX account holders. I am willing to work something out with Robinhood. maybe I can use their wallet to provide more security against hackers. I know they are trying to protect me, but I am not a hacker. hackers operate in the " shadows ''. I am operating in the " light ''. I don't know if they are trying to keep my tokens. I have been told by others that these crypto exchanges feel that they own the coins. I need help. Please get me a human contact that is committed to help me solve this. My Robinhood account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TN

Complaint narrative:
I signed on with beyond finance in XXXX of XXXX when I was rushed and pressured by the sales guy into doing so while I was still on the phone with him and didnt have the time to review the whole contract myself. I enrolled with a little over XXXX in debt. He told me they would be contacting the creditors immediately and letting them know I am in the program and getting them to hold the interest on my accounts. But I had to stop paying all my bills to them. I had never missed a payment in my life until then. He quoted me XXXX is what I would be paying them over the next XXXX years with biweekly payments of XXXX. He said there would be no penalty for paying things off early. I made every payment on time and even made extra payments when I could. This went on for a little over a year and most all of my accounts were settled and some paid off. I received a summons in XXXX of XXXX for my discover account to appear in court over my nonpayment. This was my only account not settled yet. The balance when I enrolled was around XXXX. I sent all the info from the summons to beyond finance and they promised to put the account into priority. They ended up getting an offer to settle for right under XXXX. I turned it down XXXX different times and they kept coming back with the same offer and bullied me into accepting it saying it was my only option and I could either do that or get sued and go to court. I accepted the offer and they said I had to start paying more every month and I decided to just put my payments at XXXX every XXXX weeks for a little while to get the money built up in my account. Then they drained the account to take out as much fees as they could for themselves and they continue to do that every payment cycle. I lowered my payments to XXXX every XXXX weeks because I couldnt afford anything more and really can not afford that. But that is the lowest I could pay to still cover all the monthly account payments and the small monthly fees of like {$15.00} for the beyond account. They continue to keep draining my account for extra fees for themselves and they have now not paid my discover account payment for XX/XX/XXXX. And today is XX/XX/XXXX. The contract with discover states if it is not paid within XXXX days of the due date then the whole deal is off the table. This company has continued to mismanage my money and I believe the are doing this to so many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding the closure of my Cash App account and the handling of multiple unauthorized transactions. On XX/XX/year>, my phone and personal belongings were stolen. My phone was out of my possession for approximately XXXX days. During that time, multiple transactions were made from my Cash App account without my authorization or knowledge. After I recovered my phone and regained access to my account, I immediately reviewed the activity and reported the unauthorized transactions through the app. I also contacted Cash App to explain that my device had been stolen and detailed the steps I had to take to recover it. As requested by the company, I completed the identity verification process to confirm that I am the rightful account holder. I have proof that my phone was not in my possession during the time the unauthorized transactions occurred. Despite promptly reporting the fraud, providing an explanation, and verifying my identity, my account was closed on XX/XX/year>. I was not given a clear or specific explanation for the closure beyond a general reference to a potential violation of terms. Prior to this incident, my account was used strictly for personal purposes, including sending money to family members and routine personal spending. I am requesting a thorough investigation into the unauthorized transactions, a reconsideration of the account closure, and a clear explanation of the specific reason for the decision. I am prepared to provide documentation supporting my claim that my phone was stolen and that the transactions were not authorized by me. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America accused me of missing a payment when in fact I payed early that month due to additional funds I had on hand. When I saw that my card had been declined I simply used another card believing it to be an error as I was well within my credit limit. I contacted the bank when I arrived home to inquire about the transaction and was told I was delinquent in my payment. I disputed that wirh the date of my early payment. Customer service checked my payment and saw I was correct. They apologized, refunded my late fee and escalated the call for a supervisor to call me back within XXXX hours. I thanked him and awaited the call. When I received the call the next day I was driving so I could not look at my account while talking to the supervisor who said I had missed a payment. I disagreed with her and said I had not missed a payment and that I needed to verify her statements by looking at my payment history. I requested it be emailed to me. I was told I would need to go to online banking to look for that information. The supervisor refused to offer reconciliation of the account. I ended the call as I felt her tone was combative and opted to do the research myself. The next week I was sent notification that my credit limit would go from {$20000.00} to XXXX taking my usage from 60 % to 99 % and causing my fico score to drop from XXXX to XXXX. This was inspite of my regular ongoing payments, the XXXX years I have had this active account and the XXXX times it has been completed payed off. My payment history clearly indicates on my credit report that I had XXXX late payment XXXX years ago but had been on time ever since. I believe this to be predatory lending practices to force me to use their credit repair services by intentionally damaging my credit history. This action makes it impossible to consolidate or refinance my debt as it creates an incorrect picture of my credit worthiness and payment history.

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 2026-02-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
From my XXXXXXXX XXXX XXXX XXXX XXXX XXXX website i attempted to open and fund a new CD from my XXXX XXXX XXXX XXXX Account ending in XXXX. This transaction was processed by Bread Financial / Comenity Capital. Transaction ID : Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Initially the CD was opened by XXXX ( account XXXX ) on XX/XX/26 and funded by XXXX in the amount of {$50000.00}. On XX/XX/26 i received a phone call from XXXX stating that the transaction was reversed. XXXX declined the transaction because transfer was not processed in accordance with XXXX ' XXXX step deposit transfer process in spite of the funds being transferred. Along with the money being transferred to XXXX, Comenity Capital opened up a savings account XXXX XXXX XXXX XXXX XXXX XXXX XXXX and CD account XXXX XXXX XXXX XXXX XXXX XXXX in my name without my knowledge. I assume the money is still with Bread Financial. I opened up a fraudulent transfer case with XXXX ( XXXX # XXXX ) demanding the money be refunded to my Savings account ending in XXXX XXXX XXXX XXXX XXXXXXXX See attached files for documents related to this case.

Company response to consumer: Closed with non-monetary relief