vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent {$150.00} via Cash App to a friend who was in need. In the notes section, I included the word " XXXX '' because she is XXXXusing it merely as a reference ; I did not intend for the money to actually go to XXXX, as she lives in XXXX. Due to government regulationswhich I understandthey initiated an investigation. However, they have been dragging this out since the day I sent the money, XX/XX/2026. Their messages are generic and offer no new information ; they keep telling me the same thingthat they will communicate via emailyet I still haven't received anything. I write to them every day, and they give me the same response : that the matter is under investigation and that they can not take any action because the team conducting the investigation operates independently of them. It is the same old story, day after day. The current case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credova Holdings Inc
State: TX

Complaint narrative:
I tried to purchase XXXX XXXX from XXXX XXXX when they were delivered to XXXX XXXX I went to get them but I was not approved for the background checks or able to possess the XXXX. I told XXXX to send them back to XXXX later I was XXXX and just recently got out of XXXX and seen that i had it on my credit report. After contacting XXXX they said they sold the XXXX to another party without my permission and they would not be able to send them back to purchaser as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Most transactions involved digital wallets and XXXX accounts. These wallets and accounts were used to transfer cash from my bank /credit card accounts and purchase XXXX for immediate transfer. Paypal was contacted and they refused my request to return the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
My wallet and cellphones were stolen late early morning on XX/XX/year>. Thieves were able to access my account using my cellphone. When I learned of the theft and was able to login to the accounts I immediately notified the financial institutions of the affected accounts to notify them of the fraudulent transactions. Remitly was used to transfer cash from my bank /credit card accounts for immediate transfer to unknown third parties. Approximately {$9000.00} was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Money was taken from my throughout XXXX & XXXX through XXXX of my credit cards while I was using my debit card to make the purchases. I was unable to use my funds I had added onto their site. I reported it timely to my financial institution and they rejected my request. I think they arent even reviewing it correctly because when I reported it they said their other worker put in the information as if I made the payment and the other as if it was unauthorized and they didnt do it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am being harassed by misrepresented debt collectors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am filing a complaint regarding Bank of Americas denial of my fraud claim involving an unauthorized {$2600.00} XXXX XXXX transaction that occurred on XX/XX/year>. At approximately XXXX XXXX on that date, I was the victim of a physical robbery. During the incident, an individual gained access to my phone without my permission and used it to send {$2600.00} to themselves via XXXX XXXX. I did not authorize this transaction, did not provide permission for access to my account, and received no benefit from the transfer. I reported the fraud to Bank of America the same day and filed a police report within hours of the incident. The police report was promptly provided to the bank. Since then, the suspect has been identified and arrested in connection with this robbery. Despite this, Bank of America denied my claim ( Claim # XXXX ), denial dated XX/XX/year> ), stating that the transaction was authorized because it was made using my device. This conclusion ignores the fact that access to my device was obtained through robbery and without my consent. Under Regulation E ( 12 CFR 1005 ), this transaction qualifies as an unauthorized electronic fund transfer. Authorization can not be assumed simply because a device was used when that device was accessed through theft or coercion. The banks determination appears inconsistent with Regulation E and its official commentary, which defines unauthorized transfers as those initiated without actual authority and from which the consumer receives no benefit. Additionally, Bank of America has stated it will remove the temporary credit issued during the investigation on XX/XX/year>, which would cause me financial harm.

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
am filing this complaint against a debt collection company for failure to comply with federal law regarding proper notification and validation of a debt. Under the Fair Debt Collection Practices Act, a debt collector is required to provide a written notice within five days of initial communication that includes, among other things, the amount of the debt, the name of the creditor, and a statement informing me of my right to dispute the debt within 30 days. To date, I have not received any such notice from this company. At no point have they provided me with written documentation advising me of my right to dispute the debt or request validation. This is a clear violation of the FDCPA. Additionally, despite their reporting of this account to credit reporting agencies, they have not provided any validation of the alleged debt upon request. They have failed to produce any documentation demonstrating that I owe this debt, including but not limited to a signed agreement, account statements, or proof of assignment. By continuing to report this account without providing proper notice or validation, the company is also violating the Fair Credit Reporting Act by furnishing information that has not been verified as accurate. I am requesting that this account be immediately deleted from my credit reports and that the company cease all collection activity until they can fully comply with federal law. I expect a prompt investigation into this matter and a resolution that includes removal of this account due to noncompliance with applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America customer of 8 years with both personal and business accounts. On XX/XX/year>, I discovered unauthorized fraudulent transactions totaling {$11000.00} on my XXXX XXXX XXXX account ending in XXXX. The fraudulent activity originated from XXXX and XXXX. I live in XXXX, California and have not traveled internationally. My normal account activity consists of local ATM withdrawals and purchases in XXXX and XXXX, CA. I filed fraud claim # XXXX on XX/XX/year>. Bank of America denied the claim on XX/XX/year> without proper investigation. I immediately reopened the claim on XX/XX/year> and submitted detailed supporting information by fax on XX/XX/year>. My written statement confirmed the transactions were unauthorized, that I was located in XXXX at the time of the fraud, and that I have not traveled internationally. Bank of America acknowledged receipt of my additional information on XX/XX/XXXX and XX/XX/year>. Despite providing substantial evidence, the claim remains stuck at XXXX XXXX of XXXX Researching with no resolution. I have now waited 23 days since the original claim and 13 days since re-escalation with XXXX movement. Bank of America has not issued provisional credit. The full {$11000.00} remains out of my account. Additionally, the identical fraud pattern was already flagged and approved as fraud on my Bank of America business account, yet BofA denies it on my personal account despite identical circumstances and evidence. This inconsistent treatment suggests the bank is not properly investigating either claim. I have : - Provided detailed written statement of fraud - Documented my consistent local account history ( XXXX XXXX XXXX Shown international transactions are inconsistent with 8 years of account activity - Provided faxed documentation on XX/XX/year> - Been patient and cooperative throughout XXXX response has been template emails saying were researching every XXXX days with no actual progress or timeline.

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 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I moved into a new place and was sending my first rent payment via cashapp. My payment was sent to someone with a very similar name. I contacted customer service and the actual person ( whom I dont know ). Customer service told me to contact the person directly, which I did and they told me customer service told them to keep it. The person it was sent told me that they think its a scam and to contact customer service confirm with the other person that it wasnt a scam. Customer service did not confirm and told them to keep it instead. That was my rent money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
CONSOLIDATED INCIDENT REPORT PAYPAL PLATFORM-LEVEL CARDING XXXX Summary : My PayPal account is being used as a card-testing endpoint by automated bots entering stolen card data directly into PayPals hosted checkout. My website, server, and API are not involved. Evidence : Server logs show XXXX matching traffic for the timestamps of these transactions. No checkout attempts appear in my website analytics. No API calls or Payflow requests are logged. I do not use XXXX, XXXX XXXX, or XXXX XXXX. PayPal is asking for tracking numbers and fulfillment documentation for transactions that never touched my systems. Disputes are being opened, which only occurs when PayPal authorizes the transaction. PayPal has deducted {$20.00} chargeback fees for these fraudulent transactions. Tier-1 support repeatedly misclassified the issue as a Payflow or merchant-side problem. Impact : Financial loss due to improper chargeback fees. Repeated dispute handling for transactions I did not process. Time and operational burden caused by PayPals misclassification. Exposure to further platform-level fraud due to lack of mitigation. Requested Actions : 1. Reversal of all chargeback fees. XXXX. Escalation to XXXX XXXX XXXX XXXX XXXX XXXX. Confirmation that my account is not misclassified as a XXXX merchant. XXXX. Application of platform-level fraud controls ( velocity limits, XXXX blocking, guest checkout restrictions, etc. ). XXXX. Written confirmation of corrective action. This is a platform-level security issue within PayPals hosted checkout environment, not a merchant-side configuration issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: PA

Complaint narrative:
I am submitting a complaint regarding the validation and accuracy of a debt being reported and collected. XXXX XXXX XXXX responded to my dispute by providing limited account information ; however, the response does not constitute sufficient validation of the debt under applicable laws. The documentation provided lacks a complete payment history, an itemized breakdown of the balance, and proof of the companys legal authority to collect on behalf of or as the current owner of the debt. The account is reported as being owned by Galaxy International Purchasing , LLC, originally from XXXX XXXX XXXX XXXX However, I have not been provided with documentation showing the full chain of assignment or ownership transfer from the original creditor to the current debt holder. I am requesting full validation of this account, including : * Documentation showing the chain of ownership from the original creditor to the current owner * A complete and itemized account history, including all charges, payments, and fees * A copy of the original agreement or contract bearing my signature * Documentation demonstrating legal authority to collect this debt If the company can not provide complete and verifiable documentation supporting this account, I request that the account be removed from my credit report and that all collection activity cease. Additionally, I request that all information furnished to credit reporting agencies be reviewed for accuracy and corrected or removed if it can not be fully verified. This matter remains unresolved and requires proper investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint against a debt collection company for failure to comply with federal law regarding proper notification and validation of a debt. Under the Fair Debt Collection Practices Act, a debt collector is required to provide a written notice within five days of initial communication that includes, among other things, the amount of the debt, the name of the creditor, and a statement informing me of my right to dispute the debt within 30 days. To date, I have not received any such notice from this company. At no point have they provided me with written documentation advising me of my right to dispute the debt or request validation. This is a clear violation of the FDCPA. Additionally, despite their reporting of this account to credit reporting agencies, they have not provided any validation of the alleged debt upon request. They have failed to produce any documentation demonstrating that I owe this debt, including but not limited to a signed agreement, account statements, or proof of assignment. By continuing to report this account without providing proper notice or validation, the company is also violating the Fair Credit Reporting Act by furnishing information that has not been verified as accurate. I am requesting that this account be immediately deleted from my credit reports and that the company cease all collection activity until they can fully comply with federal law. I expect a prompt investigation into this matter and a resolution that includes removal of this account due to noncompliance with applicable laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
What happened I am submitting this complaint regarding a denied billing dispute with Citibank involving a transaction with XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/year> in the amount of {$1500.00}. Citibank initially issued a conditional credit but later reversed it after determining there was no billing error. I disagree with this conclusion because the charge resulted from material misrepresentation and deceptive sales practices, not a valid, informed authorization. During the sales presentation, I repeatedly declined the offer and clearly stated no multiple times. Despite this, the sales representatives continued to pressure me with additional incentives until I ultimately agreed. This created a high-pressure environment that did not allow for a fully informed decision. The decision to proceed was based on representations that were misleading or incomplete, including : I was told I would have access to XXXX XXXX weeks for {$290.00} per week, without disclosure that additional fees would be required to actually use those weeks I was led to believe that the travel rates through the program would be significantly discounted, but in reality, the pricing is not competitive and is often equal to or higher than publicly available rates I was promised a trip to XXXX, which has not been provided Unlimited Experiences were presented as included benefits, without disclosure that additional spending would be required to access them I was told I could travel broadly, including to destinations in XXXX, which was misleading as these options require additional costs and are not included as represented These misrepresentations were material to my decision. Had accurate and complete information been disclosed, I would not have agreed to the transaction. This is not a case of buyers remorse. It is a dispute involving deceptive and unfair business practices that resulted in a charge being authorized under misleading circumstances.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I am disputing a {$520.00} debt that is currently being reported on my credit file and has not been properly validated. Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I requested validation of this alleged debt ; however, the company has failed to provide sufficient documentation proving that I am legally obligated to pay it. Additionally, under 15 U.S.C. 1681b of the Fair Credit Reporting Act, a company must have a permissible purpose to furnish information to the credit bureaus. In the absence of proper validation, I question the legality of this account being reported on my credit report. Furthermore, under 15 U.S.C. 1692c, I have requested that the company limit or cease communication, yet I remain concerned about improper collection activity. This failure to validate and continued reporting of potentially inaccurate information is negatively impacting my credit profile. I am requesting : Full validation of the alleged debt Proof of permissible purpose for reporting Immediate deletion of the account if it can not be verified I expect a prompt investigation and resolution in compliance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Chime Financial Inc
State: GA

Complaint narrative:
{$96.00} was charged from XXXX without my consent. Im not familiar with the address or company that charged my card it was fraud which chime repeatedly ask me for approval I said No not to approve these charges. I never spent {$96.00} dollars on XXXX for any of my purchases. I dont know what merchant received my money nor for what service chimes approved it without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company : Citibank / Citigroup Case ID : XXXX Complaint : On XX/XX/XXXX, I was fraudulently induced into authorizing a payment of {$5200.00} to XXXX XXXX XXXX XXXX XXXX XXXX ), a company operating in connection with XXXXXXXX XXXX XXXXXXXX XXXX a debt collector. I was contacted via voicemail using deceptive tactics falsely claiming to represent a XXXX XXXX debt and pressured into paying a debt I did not owe. The alleged debt was sold by XXXX XXXX in XXXX, confirmed in their CFPB response, making it time-barred and uncollectible under the FDCPA. I filed a dispute with Citibank under the Fair Credit Billing Act. On XX/XX/XXXX, Citibank denied my claim ( Case ID XXXX ), reversed the provisional credit of {$5200.00}, and stated they could not identify a billing error without addressing the fraudulent inducement. Citibanks investigation failed to account for the deceptive and illegal practices used to obtain my authorization. I have filed complaints with the FTC and CFPB against XXXX XXXX XXXX. I am requesting that Citibank reopen this dispute and properly investigate the fraudulent circumstances under which this payment was authorized.

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