vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Company : Cash App ( Block, Inc. ) Complaint Type : Fraud / Unauthorized Transactions/ Failure to Provide Timely Resolution Description : On XX/XX/year>, my last legitimate transaction was {$17.00} at XXXX XXXX in XXXX, Missouri. On XX/XX/year>, multiple unauthorized transactions were processed on my Cash App account totaling several XXXX dollars, including transfers to XXXX and XXXX. These transactions were not authorized by me. The fraud occurred after I was deceived by an individual impersonating customer support. I was manipulated into providing verification codes under false pretenses. I did not knowingly authorize access or transfers. I reported the fraud immediately upon discovery. The funds taken were the only money available to me for essential living expenses, specifically food, following recent hospitalization for serious medical issues. I am currently facing significant medical hardship and do not have alternative financial resources. I am requesting : Immediate provisional credit A full investigation under Regulation XXXX ( Electronic Fund Transfer Act ) Written explanation of findings Reimbursement of all unauthorized transactions The delay in resolution is causing immediate financial and nutritional hardship. I am seeking regulatory assistance to ensure compliance with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I hired a company XXXX XXXX to open, manage and operate a XXXX XXXX and XXXX XXXX, I paid {$1000.00} for their service and we had a contract. The contract stipulated all what do would do and what I should expect moving forward. My XXXX store has never been opened and my XXXX XXXX store made about {$170.00} almost 2 months after I signed the contract. I disputed the charge with my bank Navy Federal Credit Union who gave me a provisional credit in XXXX but reversed it. I immediately filed an appeal and they completed a second review with the same results in favor of the merchant. I contacted the merchant today who refused to give me my money back or fulfill the contract which I knew that they would do after I disputed the charge. I try to escalate this with my bank which they have refused to do so, Im seeking help in getting my {$1000.00} back, what can I do except contact the merchant to try doing so please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
On XX/XX/2025, I took out a loan with Speedy Cash because my phone service was about to be disconnected. At the time, I was working as a shift leader and needed my phone for work. I was approved for a {$300.00} loan. I initially made my payments on time.Later, an additional {$400.00} was added to my loan, which I did use to cover other necessary bills. This brought my balance to around {$700.00}. Shortly after, my car broke down and I lost my job because I no longer had transportation to work. Since then, interest and fees have continued to accumulate, and my balance has grown to approximately $ XXXX.I recently started a new job in XXXX, but my income is limited. I have been making efforts to pay what I can. I contacted Speedy Cash to explain my situation and to better understand how my balance increased. During that conversation, I explained that I get paid on XX/XX/XXXX and asked if I could make a payment then. I was told I needed to make a payment sooner because I had mentioned XX/XX/XXXX during the discussion. I am planning to make at least a {$100.00} payment tomorrow by using my XXXX XXXX and doing XXXX to cover as much as possible. I have not been trying to avoid this debt. I genuinely fell behind due to unexpected hardships, and I am actively trying to resolve it.Thank you for reviewing my situation. I truly hope for understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Open Dealer Exchange, LLC
State: MO

Complaint narrative:
Complaint Against 700 Credit Misrepresentation and Improper Billing I enrolled in services with 700 Credit after speaking with a representative who stated that my credit score would increase by over XXXX points. I was also told that if my score did not increase, I would not be required to pay for the services. My credit score did not increase as promised. In fact, I was able to remove an inaccurate item from my credit report on my own without assistance from the company. I did not receive the results that were represented to me at the time of enrollment. Despite this, the company is now claiming that I owe payment. They continue to contact me regarding this alleged balance and have repeatedly attempted to withdraw money from my bank account. Under the Credit Repair Organizations Act ( 15 U.S.C. 1679 ), credit repair companies are prohibited from charging or receiving payment before services are fully performed. Based on my experience, the promised services were not successfully performed, and the results that were guaranteed were not delivered. Additionally, continued attempts to withdraw funds from my account without authorization raise concerns under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My name is [ XXXX ] and I am a Bank of America customer. I am writing to you to dispute the blocking of my access to XXXX and the negative report sent to XXXX XXXX XXXX ( XXXX ). I have been informed that the block is due to an alleged scam, of which I am totally oblivious and innocent. I have tried to use the service with new phone numbers and emails at other institutions and the block persists, which confirms that my identity has been unfairly marked. I request : The manual review of my case. The immediate elimination of any negative report in XXXX. A written response detailing the evidence of said accusation. If I do not receive a response, I will escalate this case before the CFPB and the Office of the Comptroller of the Currency ( OCC ). Current Situation : My legal identity ( Name a nd Social Security/ITIN ) has been marked with a " red alert '' of fraud by Bank of America in the centralized payment network. This has generated a total block that goes beyond a simple phone number. I maintain my total innocence with respect to any suspicious transaction. The bank is depriving me of access to my financial services without presenting evidence of my guilt. I demand the cleaning of my record in XXXX and the restoration of my right to use the payment network, since the bank 's administrative or judgment error is permanently damaging my financial reputation.

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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: UT

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$230.00} to XXXX via Taptap Send ( Transfer ID : XXXX ). Shortly after, Taptap Send confirmed a 'technical issue ' with their partner in XXXX , meaning the service could not be rendered. Despite this system failure on their end, the company refused to cancel the transaction or issue a refund, citing an internal '30-minute policy ' that should not apply to merchant errors. When I requested a refund under Regulation E, the support agent ( XXXX ) threatened to permanently block my account if I initiated a chargeback through my bank. While they eventually provided a ticket reference ( Ticket ID : XXXX ), they have refused to provide an immediate refund or a definitive timeline for the return of my funds. I am requesting a full refund of {$230.00} as the company has failed to deliver the funds as promised due to their own technical difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV FUNDING LLC I was writing to dispute the collect account that appear on my credit report. After reviewing my record, I do not recognize this account as accurate or verifiable. There has been no documentation provided showing that the company reporting the debt has the legal right to collect or that the balance listed is correct. UNDER THE FAIR Credit reporting ACT 611, I am requesting that you investigate this account and verify it directly with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-03-04 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: CA

Complaint narrative:
Hello, I noticed recently someone has been taking my money on my chime and I reached out to chime for resolution I filed a dispute on all the transaction and few days later it was declined, that's unfair to just decline my dispute without a reason and I'm not gon na take it slightly with them that why I'm using your platform to reach out to them because my next step will be charging them to court for not doing their job. So this whole thing started on XX/XX/2025 till XX/XX/2025 in the total of {$10000.00} they said no error occurred and I asked them via email to send me a copy of the document they used to determine my dispute and they didn't reply back till date so something is fishy and I won't take it easy with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I purchased XXXX through Cash App totaling {$11000.00} and sent it to a wallet address provided by a platform I believed was a legitimate investment service. I later discovered the platform was fraudulent and I was scammed. I immediately contacted Cash App support requesting a full investigation, guidance on whether the funds could be reversed or refunded, and assistance for victims of cryptocurrency scams. Cash App reviewed my complaint but closed the case, stating that only law enforcement agencies might be able to assist. No refund or resolution was provided. I am requesting CFPB investigate this issue, require Cash App to respond, and review their policies and procedures to better protect consumers from cryptocurrency scams. XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX {$2000.00} XXXX XXXX {$1000.00} XXXX XXXX {$2500.00} XXXX XXXX {$980.00} XXXX XXXX {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC I 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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
I called total Visa to find out what my balance was to help My Nephew get a bus ticket from college to home once I noticed I did not have my card with me. I contacted them to find out what my balance was. This is what in My Nephew was on the phone and the young lady explained to me that my balance was a XXXX balance. I asked her how that could be when I just paid the {$95.00} activation fee and then I had a XXXX balance. I explained that the car was not in my possession and this is why I was calling off of the piece of paper that was given to me with the card. They said they would do an investigation. They said they sent paperwork to me to fill out for fraud, I never received it. I called back in several times requesting information of what the process was. I explained to them I was not making a payment or anything until it was resolved. They still was reporting it to my credit bringing my credit score down tremendously. I asked them to rectify it why they had my account in dispute because I did not make the charges to my account they told me that they did the investigation and it shows that they was not going to remove the amount. I explained to them that this is unfair and unjust because I have been calling every since XXXX keeping tabs on their investigation when I finally filled out the paperwork that they sent to me 30 to 45 days later they still came back and said that the charges was not going to be removed and I still had an overdue balance. They said they had escalated it. I told them I wanted to know the proper paperwork and documents to show how they came up stating that I owed the overdraft balance. This is unfair and unjust. I never used the card. Ive never went to the store that they indicated it and I wanted them to show me proof camera footage videos something they had nothing to give to me but to tell me that I owe overdraft balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding First Credit Services , Inc., a debt collector reporting a collection account on my XXXX credit report in the amount of {$580.00} related to an alleged debt with XXXX XXXX XXXX Below is a factual timeline of events and procedural deficiencies : 1. Initial Contact XX/XX/XXXX On XX/XX/XXXX, I received a text message from First Credit Services stating that they were contacting me regarding a debt owed to XXXX XXXX XXXX The message did not include : -The amount of the debt -A statement of my 30-day right to dispute the debt -A statement that they would obtain verification if disputed -Any itemization of the amount owed The text only provided a website link and opt-out instructions. 2. No Validation Notice Within 5 Days Under the Fair Debt Collection Practices Act and Regulation F, a debt collector must provide a validation notice in the initial communication or within five days of the initial communication. I did not receive any mailed or emailed validation notice within five days of the XX/XX/XXXX text message. I also did not receive any written communication explaining my 30-day dispute rights during that time period. 3. Credit Reporting Without Proper Validation On XX/XX/XXXX, First Credit Services reported the collection account to XXXX. At this time, I still had not received a proper validation notice containing the required disclosures under federal law. 4. Delayed Email Communication XX/XX/XXXX On XX/XX/XXXX, I received an email from First Credit Services offering a settlement. This communication did not provide full validation documentation, but instead encouraged payment. The validation information required under federal law was not provided in a timely manner following the initial communication. 5. Formal Dispute Submitted After becoming aware of the collection account appearing on my credit report, I formally disputed the debt in writing and requested validation documentation, including : -Original signed agreement -Proof of assignment -Itemization of the balance -Date of first delinquency As of the date of this complaint, I have not received full documentation validating the debt. Basis of Complaint : First Credit Services appears to have : -Failed to provide a timely validation notice within five days of initial communication. -Initiated credit reporting without providing proper validation disclosures. -Attempted to collect through settlement offers without first complying with validation requirements. This process deprived me of my statutory right to dispute the debt within the legally prescribed timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-04 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: IL

Complaint narrative:
OK, the questions you guys ask there dont pertain to me I guess in roundabout way they do but this is about my situation with XXXX XXXX, whom I have used chime, XXXX XXXX and XXXX all XXXX to pay for chances of winning money. XXXX XXXX has refunded me all of my money because XXXX XXXX failed to pay me my winnings of {$7000.00} so I filed disputes on all the money that I had spent with XXXX XXXX, chime and XXXX XXXX XXXX give me my money back chime has given me nothing but they denied all of my claims except for XXXX and these claims shouldve all been together anyway, but the staff failed to put everything together, so they denied me on every XXXX of them, but XXXX single XXXX which all have the same factual basis and the same merchant everything which makes no sense so I am asking that this be looked at and understand why I cant speak with somebody at Chime in the XXXX department rather than being limited to give evidence through the app its just an unfair process. Its not given equal attention and I want it looked into please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have no knowledge of these debts if they could provide full payment history and original documentation of my signature agreement of any of this

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Account Information To Whom It May Concern, I am writing to formally dispute inaccurate information appearing on my XXXX credit report. The account listed below is reporting information that is not mine and is in violation of the Fair Credit Reporting Act ( FCRA ) : Creditor Name : IQ Data XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX This account does not belong to me. The reporting of this account is inaccurate and constitutes a violation of the Fair Credit Reporting Act. I am requesting a full investigation of this matter and immediate removal of this account from my credit file. Under the Fair Credit Reporting Act, you are required to investigate disputed information and correct or delete any information that can not be verified. Please provide written confirmation of the results of your investigation. If this account can not be properly verified, it must be removed immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief