vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MD

Complaint narrative:
Complaint Against : Cash App ( Block, Inc. ) I am submitting this complaint regarding unauthorized transactions on my Cash App account, the denial of my disputes, and the closure of my account following a theft incident. On or about XX/XX/year>, my phone was stolen from my vehicle. After this incident, unauthorized individuals gained access to my Cash App account and conducted transactions that I did not initiate or approve. These transactions included multiple Add Money transfers and other activity that is not consistent with my normal usage. The transactions occurred in a pattern and timeframe that clearly indicate unauthorized access following the theft of my phone. I reported these transactions to Cash App as soon as I became aware of them and provided supporting documentation, including a police report and details identifying the unauthorized activity. Despite this, all of my disputes were denied. I was not provided with a clear or detailed explanation as to how these transactions were determined to be authorized. My appeal was also denied without meaningful response to the evidence I submitted. In addition, my account was closed due to suspected fraud activity or violations of Terms of Service. I believe this action was taken due to the unauthorized activity that occurred after my phone was stolen. I want to make it clear that I am the victim in this situation, and I did not authorize these transactions. Cash App has not provided sufficient explanation of : - Why my disputes were denied even with a police report being issued. - How my documentation, including a police report, was considered in their investigation This situation has caused significant financial hardship for me and my family. I have made every effort to report the issue, provide documentation, and cooperate fully. I believe Cash App failed to conduct a reasonable investigation into my claims of unauthorized electronic fund transfers, as required under the Electronic Fund Transfer Act ( Regulation E ). I am requesting : - A full reinvestigation of all documents I submitted regarding this incident. - Reimbursement for all transactions I did not authorize - A detailed explanation of why they closed my account for something that tragically happened to me and my finances. I am seeking a fair resolution based on the documented theft, unauthorized access, and the evidence I have already provided. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
I am filing this complaint against Harris & Harris Ltd for reporting an inaccurate and unverifiable collection account on my XXXX credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). Background Harris & Harris Ltd is reporting a collection account on my XXXX credit file, account number XXXX, with a balance of {$360.00}. The original creditor is listed as XXXX XXXX. The account open date with the collector is listed as XX/XX/year>. Specific Inaccuracies I sent a direct dispute and validation request to Harris & Harris Ltd requesting : ( 1 ) the original XXXX XXXX account number, ( 2 ) the exact date of first delinquency on the XXXX account, ( 3 ) an itemized breakdown of the {$360.00} balance, and ( 4 ) written authorization from XXXX XXXX confirming Harris & Harris was authorized to collect and report this account. Additionally, I dispute the reported account open date of XX/XX/year>. If this date does not accurately reflect the true date of first delinquency on the original XXXX XXXX account, it constitutes inaccurate reporting under 15 U.S.C. 1681e ( b ) and may affect the permissible 7-year reporting window under 15 U.S.C. 1681c. Applicable Law 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate disputes 15 U.S.C. 1681c Permissible reporting periods and date of first delinquency 15 U.S.C. 1692g FDCPA right to debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/year>, an amount of {$470.00} was unauthorized charged to my chime account and I called chime, they froze the account and reissued a new card and said to call back once the pending finalized. On XX/XX/year>, I called them when it finalized they started a dispute, 2 days later I received an email saying the dispute was denied. I called them back on XX/XX/XXXX and started another dispute over the same transaction, 1 day later, I received an another email saying it was denied again. Chime has not given me any information on why it was denied or any information they even preformed an investigation. I have followed every step as told and this seems quite unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing this second complaint because Cash App has failed to honor the " updated resolution '' officially promised in their Final Response to my previous CFPB Complaint ( No. XXXX ). In that federal filing dated XX/XX/year>, Cash App stated to the Bureau : " Once we receive enough details from our email correspondence, we will be able to investigate this issue further and provide you with an updated resolution. '' Following this promise, I provided all requested evidence to Support Manager XXXX, who confirmed in writing that an engineering team was " hard at work '' on the investigation. However, despite these formal assurances, I have since received multiple emails from Cash App agents ( XXXX and XXXX ) stating the case is " closed '' and citing a denial date of XXXX XXXXwhich was the original date that led to my first CFPB complaint. These agents are completely ignoring the new investigation and the legal commitment made to the CFPB. Cash App is providing contradictory information to a federal regulator and the consumer. They closed the first complaint by promising a resolution they are now refusing to perform. I request that Cash App be held to their written promise of an " updated resolution '' and refund the {$24.00} for the fraudulent transaction with merchant " XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: IN

Complaint narrative:
I am a 100 % totally and permanently XXXX veteran with a VA determination effective date of XX/XX/XXXX. I manually submitted a TPD discharge application on XX/XX/XXXX and was denied the same day. The denial stated the reason was that only Title IV loans and XXXX XXXX service obligations qualify for TPD discharge. This denial is factually incorrect, and the same-day turnaround indicates my application was auto-rejected by the system without human review, likely because my loan balance showed {$0.00} at the time of submission. The purpose of my application is not to discharge a remaining balance but to obtain approval and a refund of payments made after my VA determination effective date of XX/XX/XXXX, as provided under 34 C.F.R. 685.213. My loans are XXXX XXXX XXXX XXXX XXXX XXXX originated at XXXX XXXX University in XXXX, consolidated into XXXX XXXX XXXX in XX/XX/XXXX. My XXXX records confirm loan types XXXX, XXXX, XXXX, and XXXX all Title XXXX XXXX XXXX serviced by XXXX XXXX XXXX XXXX My Master Promissory Note explicitly identifies them as XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans. My consolidation loan entered repayment XX/XX/XXXX and was paid in full XX/XX/XXXX. Total payments of {$22000.00} were made substantially after my VA determination date of XX/XX/XXXX. Under 34 C.F.R. 685.213, those payments must be refunded upon TPD discharge approval. I contacted FSA ( XXXX ) and XXXX ( XXXX ) and both stated they could not process a reconsideration or resubmission. Additionally, under 34 C.F.R. 685.213 ( d ) ( 1 ), the Secretary is required to discharge qualifying veterans loans automatically upon receiving VA data confirming total and permanent disability, without requiring an application. FSAs automatic process had not yet acted on my VA determination when I proactively submitted a manual application on XX/XX/XXXX. That application was wrongly auto-rejected the same day. I am requesting FSA reopen and approve my TPD discharge application and refund all payments made on or after XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX has charged me an amount of {$330.00}, claiming I failed to return the equipment. However, upon the cessation of their service, I promptly terminated my account and returned all the equipment. Despite this, they proceeded to collect the {$330.00}, which I refused to pay because I returned all items, and that is why they credited the {$330.00} as they found out I returned the equipments. I am now surprised to find that they have referred this matter to a debt collector. It is unjust for me to be responsible for an additional charge of {$95.00}, given that I have returned all equipment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Gregory Alexandrides, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding an HOA collection account handled by a law firm. An affidavit filed in this matter states that the total amount owed was {$1700.00}, which included {$450.00} in attorneys fees. There were no court appearances in this case. Between XX/XX/XXXX and XX/XX/XXXX, I made six payments of approximately {$430.00} each, totaling {$2600.00}. I was provided a receipt for each payment, and I have retained copies of all receipts. Based on the affidavit amount, there is an unexplained discrepancy of approximately {$860.00}, as I paid significantly more than the amount stated as owed. I have requested a full accounting of my account, including a detailed ledger showing all charges, fees, interest ( if any ), and how each payment was applied. I have also requested written confirmation that my account has been paid in full and confirmation that any lien filed against my property has been released. I contacted the law firm by phone on XX/XX/XXXX, and followed up in writing on XX/XX/XXXX and XX/XX/XXXX. I have not received any response or documentation. I am seeking the following resolution : A complete and detailed accounting of my account Written confirmation that my balance is paid in full Immediate filing and documentation of lien release, if applicable Notification to the HOA to correct their records A refund of any overpayment identified This matter is time-sensitive as it impacts my property and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> around XXXX XXXX, I logged into my Citi bank phone app in XXXX to check on a bank deposit and noticed that my Certificate of Deposit ( CD ) account was closed. On XX/XX/year> at XXXX XXXX, I went to Citi bank to inquire about this closure, I was told {$63000.00} was withdrawn from my CD account and closed in New York. This was not with my authorization. The staff could not tell me how this happened, a " Statement of Unauthorized Use for claims of Forgery, Alteration, Counterfeit, or Unauthorized Remotely Created Check '' was filed on behalf of the bank on XX/XX/year>.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
I am filing this complaint against Bullcity Financial Solutions for reporting an unverifiable collection account on my XXXX credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ). Background Bullcity Financial Solutions is reporting a collection account on my XXXX credit file, account number XXXX, with a balance of {$990.00}. The original creditor is listed as XXXX XXXX XXXX. The account was opened with the collection agency on XX/XX/year>. Failure to Verify I sent a direct dispute and debt validation request to Bullcity Financial Solutions requesting the following : ( 1 ) the original XXXX XXXX XXXX account number, ( 2 ) the exact date of first delinquency on the XXXX XXXX account, ( 3 ) an itemized breakdown of the {$990.00} balance showing original charges, fees, and any additions, and ( 4 ) written authorization from XXXX XXXX XXXX confirming Bullcity was authorized to collect and report this account. Bullcity Financial Solutions has failed to provide complete documentation sufficient to verify this debt. Without this documentation, the account can not be confirmed as accurately reported under the FCRA maximum accuracy standard and must be deleted from my credit file. Applicable Law 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate disputes 15 U.S.C. 1692g FDCPA right to debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
They locked my money over suspicion and its been over a year I been homeless, and further financial hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am filing this complaint against Source Receivables Management for reporting an unverifiable collection account on my XXXX credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ). Background Source Receivables Management is reporting a collection account on my XXXX credit file, account number XXXX, with a balance of {$120.00}. The original creditor is listed as XXXX XXXX XXXX XXXX The account open date with the collector is listed as XX/XX/year>. Failure to Verify and Possible Improper Placement I sent a direct dispute and validation request to Source Receivables Management requesting : ( 1 ) the original XXXXXXXX XXXX account number, ( 2 ) the exact date of first delinquency, ( 3 ) an itemized breakdown of the {$120.00} balance, ( 4 ) written authorization from XXXX XXXX XXXX confirming Source Receivables was authorized to collect and report this account, and ( 5 ) confirmation that no active billing dispute with XXXX was unresolved at the time this account was placed in collections. Placing an account in collections while an active billing dispute is pending with the original creditor is an improper collection practice. I am requesting that the CFPB investigate whether XXXX had any unresolved dispute or complaint on this account prior to placement with Source Receivables Management. Applicable Law 15 U.S.C. 1681e ( b ) Maximum possible accuracy requirement 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate disputes 15 U.S.C. 1692e FDCPA prohibition on false or misleading representations 15 U.S.C. 1692g FDCPA right to debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I was recently made aware of a SoFi account using my email address. I have never opened an account with SoFi there for any and all accounts associated with my email address is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about user safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Bilt Technologies, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding the failure of advertised purchase assurance and cell phone insurance benefits associated with my Bilt XXXX XXXX, as well as the inability to file a claim due to systemic issues between involved parties. I pay a {$490.00} annual fee for this credit card, which includes time-sensitive protections such as purchase assurance and cell phone insurance. These benefits have not functioned as advertised. Since XX/XX/XXXX, I have made repeated attempts to file a legitimate claim totaling {$1800.00}, consisting of {$1000.00} in purchase assurance and {$800.00} in cell phone insurance. I have all required documentation prepared, including a police incident report. Despite this, I have been unable to submit my claim. Throughout this process, I have been directed back and forth between XXXX ( the benefits administrator ) and Cardless ( the issuing bank ). XXXX has stated they are unable to verify the benefits associated with my account and instructed me to contact the issuer. Cardless has stated there is no issue on their end and directed me to BILT. As a result, none of the involved parties has taken responsibility or provided a path forward. This lack of coordination has effectively prevented me from filing my claim within the required timeframe. These benefits are strictly time-limited, and delays caused by internal system failures should not result in denial of valid claims. Additionally, Bilts customer service has been unresponsive and inadequate. After waiting one week for follow-up, I received no communication. Upon contacting them again, I was offered 5,000 points as compensation, which is not proportional to the {$1800.00} claim and does not resolve the underlying issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX made in XX/XX/XXXX, and XX/XX/XXXX Bank of America closed my account and after speaking with them on matter they claimed account is under investigation. After speaking with them as of XX/XX/XXXX matter still isnt resolved and they claimed its still under review.

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 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
I am formally disputing the above-referenced account and requesting full validation. A written notice has been provided outlining my dispute and specific demands for documentation, including proof of ownership, chain of assignment, and verification of the alleged debt. Please see the attached document for full details. Pending proper validation, I dispute the accuracy of this account and request that all collection activity cease and that the account be marked as disputed in accordance with federal law. I expect a complete response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Violation of FCRA 623 ( a ) ( 6 ) ( B ) and N.C.G.S. 58-70-150 by LVNV Funding LLC I am a resident of XXXX XXXX. On XX/XX/XXXX, LVNV Funding LLC received my certified debt validation request and a XXXX FTC Identity Theft Report ( # XXXX ). On XX/XX/XXXX, they responded with a self-generated " Account Summary '' that explicitly stated it was not an original creditor statement. 1. Violation of FCRA 1681m ( f ) / 623 ( a ) ( 6 ) : Despite being notified that this debt resulted from identity theft and receiving an official FTC report, LVNV Funding has failed to cease collection and continues to report this fraudulent data to my credit file. Federal law prohibits a furnisher from reporting or selling a debt once they have been notified of identity theft via an official report. 2. Violation of XXXX. XXXX : As a debt buyer in XXXX XXXX, LVNV Funding is required to provide an unbroken chain of ownership, including a copy of the assignment for this specific account. Their XX/XX/XXXX response contained only a summary they created themselves, which does not meet the statutory requirement for " properly authenticated business records '' under XXXX law. 3. Failure to Validate : The documents provided do not constitute legal validation. I demand that LVNV Funding immediately cease all collection activity and delete this fraudulent tradeline from all credit reporting agencies.

Company response to consumer: Closed with explanation