vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account was unexpectedly closed due to alleged activity that violated the Terms of Service. However, I was not provided with any specific details about what activity caused this action. I have always attempted to use my account responsibly and for legitimate purposes only. To my knowledge, I have not engaged in any prohibited transactions or behavior. Because of this, I believe this closure may have been made in error. The sudden account closure has caused inconvenience, as I rely on Cash App for financial transactions. I would appreciate a thorough review of my account and a clear explanation of any activity that raised concern. I am fully willing to provide identification or any additional documentation needed to verify my account and resolve this matter. I respectfully request that my account be reinstated if no violation is found. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
This lawyer wont work a payment plan out with me even explaining my situation. They do not give a care at all Im struggling to stay afloat with bills and medical issues

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 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX regarding an account they are reporting on my consumer credit report in the amount of {$2100.00}. I dispute the ownership and legal right of this company to collect on this alleged debt. I have not been provided with any documentation proving that this account was legally assigned or transferred to them. Under the Fair Credit Reporting Act ( FCRA 611 ), I requested a proper investigation through the credit bureaus, yet this account continues to be reported as verified without any evidence being provided to me. Additionally, under the Fair Debt Collection Practices Act ( FDCPA 809 ), I have the right to request validation of this debt. To date, I have not received : Any signed agreement or original contract Proof of assignment or ownership of the debt A complete chain of title showing transfer from the original creditor The method of verification used to validate this account Reporting an account without proper verification or documentation is a violation of federal law. I am requesting the following : Immediate deletion of this account from all credit reporting agencies Written proof of ownership and legal right to collect The method of verification used to verify this account If this company can not provide the requested documentation, they must cease reporting this account immediately.

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 2026-03-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I am filing a complaint regarding a charged-off account with Lendmark Financial Services XXXX I am attempting to resolve this account in good faith, however I have been told that I must pay the full remaining balance of {$8800.00} with no option for settlement or negotiation. This is despite the account already being charged off and a significant portion of the original balance having already been written off. Additionally, this account continues to update on my credit report, which is causing significant damage to my credit score. I recently experienced a drop of over XXXX points after this account was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/year>, I returned an item to XXXX, and a refund of {$110.00} was issued to my PayPal account. XXXX confirmed that the refund was successfully completed and provided a reference ID ( # XXXX ). At the time of the refund, my PayPal account was closed. According to XXXX, PayPal had up to 90 days to reject the refund. However, PayPal neither rejected the refund nor returned the funds to me. In order to receive the refund, I reopened my PayPal account under the same email address. Since XX/XX/year>, I have contacted PayPal more than XXXX times regarding this issue. PayPal representatives have repeatedly told me to wait or stated that they are experiencing internal issues transferring the funds from my old ( closed ) account to my current account. PayPal has confirmed that they have received the refund from XXXX and has verified my identity. Despite this, they have failed to release the {$110.00} to me or provide any clear resolution or timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX I changed my son 's & I bank deposit information where we receives our monthly benefits because all of our funds we was receiving from the GOVERNMENT was coming up missing out of our accounts. On XX/XX/XXXX I logged on to the online banking app and the transaction history popped up and I seen EXACTLY where the funds were going. They were being STOLEN by XXXX XXXX which is his XXXX time being able to access my funds the first time he was having all of our funds electronically transferred and spending on something called external boom, on XX/XX/XXXX I seen how he has been illegally writing checks in my XXXX old son 's & I name & whoever works at branch XXXX XXXX with the teller # XXXX XXXX is & should be held ACCOUNTABLE for cashing those checks without any type of form of identification. Especially for the check that was wrote on XX/XX/XXXX for {$590.00} in my XXXX XXXX XXXX XXXX son 's name. Not only is that taking from GOVERNMENT funds but it hurts me to the core that I couldn't provide a nice XXXX for my XXXX kids because the funds that was supposed to be SAFE & SECURED in my regions account was taking by this cruel monster!

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 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MN

Complaint narrative:
We can call through on the a phone because I'm XXXX XXXX thank you please please I'm beg u help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I sent a formal debt validation letter via Certified Mail on XX/XX/year> to Portfolio Recovery Associates regarding an account ending in XXXX. This account is appearing on my credit report and I am disputing its validity and accuracy. As a debt buyer, Portfolio Recovery Associates must provide full chain of ownership documentation. I am requesting validation per my rights under the FDCPA and FCRA, or immediate deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
When I got laid off from my job I called told them that I was in able to make a payment.i had also told them that I only get a set amount each month and the wanted to take my whole pay and I told them they could not do that. I am XXXX and can not work at this time I am struggling to make ends meet and try to pay this loan with such high interest and late fees I can not afford. The dates are XX/XX/XXXX and XXXX the keep calling me every day from them days after.and now they are want sue me for the money and I have the number to the attorney for this action. When I talk to the attorney from the collection they want to garnish my bank account and take all my money.the attorney wants me to pay XXXX a month and I can not afford that

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 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent a formal debt validation letter via Certified Mail on XX/XX/2026 to LVNV Funding LLC regarding an account ending in XXXX, originally from XXXX XXXX XXXX XXXX. LVNV is a debt buyer reporting this account on my credit report without proper validation. I have also filed a bureau dispute with XXXX. I am requesting full validation per my FDCPA and FCRA rights, or immediate deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for maintaining and relying on unverified, inaccurate internal information to deny me access to banking services. Navy Federal has placed an internal suspicious activity restriction on my profile and is using this designation to deny me services. However, I have not been provided any documentation, evidence, or verification supporting this claim. I attempted to open or use an account with Navy Federal Credit Union and was denied due to alleged suspicious activity. I was not given any explanation, documentation, or opportunity to dispute the information. To investigate the issue, I obtained and reviewed my consumer reports from XXXX and XXXX. Both reports are clear and do NOT contain any verified fraudulent or suspicious activity associated with my identity. Despite this, Navy Federal continues to rely on internal, undisclosed, and unverifiable information to deny me financial services. This is a serious issue because Navy Federal is using unverified internal data, refusing to provide the method of verification, and denying me the ability to review and dispute the alleged activity. This may be a violation of the Fair Credit Reporting Act and other consumer protection laws requiring accuracy and fairness. This situation has caused me financial harm by preventing me from accessing basic banking services. I am requesting that Navy Federal Credit Union : 1. Provide the full method of verification used to determine this alleged suspicious activity 2. Provide all documentation and evidence supporting this claim 3. Conduct a reasonable investigation into this matter 4. Immediately remove any internal restrictions, flags, or adverse designations if they can not be properly verified 5. Provide written confirmation of the outcome I have made good faith efforts to resolve this issue directly with Navy Federal but have not received any meaningful response. I am requesting immediate regulatory intervention to ensure that Navy Federal complies with federal law and does not continue to rely on inaccurate or unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Bread Financial withdrawal payments without my consent. I sent a payment XX/XX/year>. {$50.00} Than they ( Bread ) withdrew a second payment on XX/XX/year>. {$50.00} with lend to an return charge of {$41.00}. After I called to dispute this. they claim. I had to file a dispute and need to wait 90 days. After speaking to XXXX people and sending messages. They froze account, spoke to another person, rude person said I did ( on line ) which I didnt she trying tell me the owner of the account that I did authorized it. They are crooks, I realize this company has so many complaints lesson learn

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I am filing this complaint against National Credit Adjusters ( NCA ) regarding the reporting of Account # XXXX. I have recently received a communication from NCA ( enclosed ) where they explicitly admit that " because of the age of your debt, National Credit Adjusters , LLC can not sue you for it, and National Credit Adjusters , LLC will not sue you for it. '' This confirms that the debt is time-barred under Virginia 's XXXX statute of limitations. Furthermore, the transaction ledger provided by NCA shows a predatory interest rate of XXXX XXXX XXXX. This makes the reported balance of {$1400.00} inaccurate and mathematically unverifiable based on the original agreement 's legal standing. Because NCA has admitted this debt is legally unenforceable and the reported balance is based on predatory calculations, I am requesting that the CFPB direct NCA to cease all reporting of this obsolete and unverified trade line to the credit bureaus immediately. I have previously disputed this with the bureaus to no avail, and I am now seeking a federal resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I originally applied for a BILT XXXX XXXX credit card on XX/XX/year>. Although most credit card applications are processed immediately, this one was delayed asking for identity verification. I tried reaching out to their application processing team " XXXX '' numerous times to close the open item requests and process the application. Originally via a text agent, who shardled their customer support number. I called the support number and opened a support ticket with their team ( # XXXX ). I followed up on this ticket number 3 times, each time being advised that it would escalate. Originally I was advised I'd have a response in 24 hours, no response. I called back after that window and was told to wait 48 hours from the original call, but still no response. So I called back, they said they would escalate and I had to give it 72 hours. At this point we were pushing the 30-day decision window, but I still waited. After hearing no response for over 10 days from that final attempt, I called back one more time to see if there was any update. I was advised verbally that the application was cancelled because it " Timed Out '' after being stuck in the identity verification stage, despite me never receiving a request for what information they needed to verify and my numerous follow ups. Out of patience and genuinely concerned for mishandling of my personal information, in addition to facilitating the credit pull needed to apply for the card, I asked for written confirmation of the status of the application and the date of cancelation. The agent advised they couldn't do that, transferred me to the BILT customer service team, who said that they couldn't do it and I would have to call XXXX to request ( the same people that had just indicated I needed to connect with BILT ). I am now stuck in an infinite loop of them unable to verify my application status, the reason for the cancelation, or what I could have done or still can do to receive written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I opened a Chime checking account using their advertised webpage that promised to pay {$350.00} signup bonus as follows : {$100.00} after receiving $ XXXX direct deposit in the first 30 days after account opening, {$100.00} after receiving $ XXXX direct deposit in the next calendar month, {$150.00} after receiving $ XXXX direct deposit in the third calendar month. Please see the attached screenshots of the ad and of my account showing {$200.00} direct deposits XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I contacted the company XX/XX/XXXX via the app 's chat and was told by a rep that I also had to activate the debit card in order to receive this bonus, which I hadn't received ( and this had not been mentioned in the ad! ). They told me a new debit card will be sent to me and I will receive {$350.00} bonus after activating it. I did this and still haven't received the bonus. I contacted them via chat again in XXXX, was transferred from the chat to a phone call and this led nowhere ( the rep kept coming up with excuses not to pay this bonus ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Subject : Credit Report Dispute Request for Investigation, Correction, and Early Exclusion To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information being reported on my consumer credit file. The account in question is listed as follows : Creditor : JPMCB Card ( Chase ) Account Status : Charged-Off / Collection Balance : {$4700.00} I have identified multiple issues with the reporting of this account : XXXX. * * Obsolete Information / Early Exclusion Request * * This account is beyond the appropriate reporting timeframe under the Fair Credit Reporting Act ( FCRA 605 ( a ) ). I am requesting an early exclusion removal of this account from my credit report. XXXX. * * Date of First Delinquency ( DOFD ) Not Verified * * The Date of First Delinquency has not been clearly or accurately reported. Under FCRA 623 ( a ) ( 5 ), furnishers are required to report the correct DOFD. Please provide documentation verifying the original delinquency date. XXXX. * * Inaccurate Reporting / XXXX XXXX Compliance Issues * * The account is currently reporting : * A balance on a closed/charged-off account * 119 % utilization ( limit exceeded ) * Ongoing updates as of XX/XX/year> This suggests the account is being reported as active or revolving, which is inaccurate for a charged-off account. Under XXXX XXXX reporting standards, this is improper and misleading. XXXX. * * Re-Aging Concern * * The continued updating of this account may constitute illegal re-aging, which violates FCRA 623 ( a ) ( 5 ). This account should not be re-reported in a way that extends its reporting period. Based on the above violations, I request the following : * Immediate deletion of this account from my credit report OR * Full correction of all inaccurate reporting, including proper DOFD, balance status, and payment history If you are unable to verify this account with complete and accurate documentation, it must be removed immediately in accordance with FCRA 611 ( a ). Please complete your investigation within 30 days as required by law.

Company response to consumer: Closed with explanation