vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: VA

Complaint narrative:
I am reporting Block, Inc. ( Cash App ) for deceptive lending practices, material misrepresentation of contract terms, and systemic technical failures. Misrepresentation of Terms : My account is explicitly set to " All at once '' repayment. However, a representative named XXXX stated via email that I chose " Pay as you go '' ( 10 % of incoming funds ). This is a factually incorrect representation of my lending agreement used to justify unauthorized wage deductions. Accounting Malpractice : On XX/XX/XXXX, Cash App successfully seized 10 % ( {$58.00} ) from a {$580.00} deposit. Simultaneously, the system generated a " Missed '' status for {$78.00}. Cash App has refused to credit the {$58.00} toward the balance, essentially seizing my funds while continuing to penalize me for the full debt. Date Manipulation & Premature Fees : I have documented the app retroactively changing a due date from " Due Tomorrow '' to " Tuesday Overdue '' within a single two-hour window on XX/XX/XXXX. Furthermore, a {$5.00} late fee was assessed at XXXX AM, nearly 90 minutes before the established daily deadline. Unauthorized Acceleration of Debt : Cash App has bypassed my current " Missed '' balance to stage/seize funds for a future payment ( XX/XX/year> ), violating the agreed-upon repayment schedule. Consequential Damages : These actions resulted in a {$0.00} balance, a documented credit score decrease ( Credit Sesame ), and the failure of my T-Mobile utility payment arrangement. I demand a manual account audit, removal of all " Missed '' flags, and full restitution of unauthorized fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of a Sallie Mae account on my credit report. This account reflects a pattern of reporting that raises serious concerns about accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified the following issues : - The payment history is incomplete and contains missing reporting periods- The account reflects inconsistent status changes ( current, delinquent, and charged-off ) without a clear and continuous progression - The Date of First Delinquency ( DOFD ) has not been clearly verified or documented - The timeline of delinquency appears irregular and potentially inaccurately reported Based on my credit report, the account shows varying statuses across multiple years, including periods marked as OK followed by delinquency and eventual charge-off, which raises concerns about whether the delinquency was continuous as required for accurate reporting. I previously disputed this account with the credit reporting agencies ; however, it was returned as verified without providing sufficient documentation or explanation of how the information was validated. Under the Fair Credit Reporting Act, all information reported must be accurate, complete, and verifiable. At this time, I do not believe this account meets those standards. I am requesting the following : 1. A full investigation into the accuracy of this account 2. Verification of the Date of First Delinquency ( DOFD ) 3. Complete account-level payment history documentation 4. An explanation of how the account was verified during prior disputes If the account can not be fully verified with proper documentation, I am requesting that it be deleted from my credit report. I am also requesting that all credit reporting agencies ensure compliance with FCRA standards regarding accuracy and completeness. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Complaint Against Citibank Unlawful Withholding of Cleared Settlement Funds I am filing this complaint again regarding XXXX continued refusal to release my funds from a settlement check that was deposited and cleared well over 2 months ago now. The check, issued by XXXX, was successfully deposited into my Citibank account and has already cleared. Despite this, Citibank closed my account and transferred the funds into an internal sub-ledger account. Since that time, they have refused to release my money. Citibank has stated that the only way they will release my funds is if I provide a hold harmless agreement signed by XXXX. This requirement is unreasonable, outside standard banking practices, and places an improper burden on me to resolve XXXX internal risk concerns. I have no contractual relationship that obligates me to obtain such an agreement, and Citibank has failed to cite any law or regulation that allows them to indefinitely withhold my funds under these conditions. Additionally, XXXX has already attempted to assist in resolving this issue. XXXX counsel, XXXX, has reached out directly several times to the XXXX, CA Citibank branch manager, XXXX, regarding this matter. However, XXXX has failed to respond to XXXX outreach, further delaying resolution and demonstrating a lack of good faith effort by Citibank to resolve this situation. It has now been over two months, and Citibank continues to : Withhold funds that have already cleared Provide no definitive timeline for resolution Refuse to release the funds or return them to the issuer Require an unattainable third-party agreement as a condition for access to my own money This conduct appears to be an indefinite and unjustified retention of funds without proper legal basis or transparency. I am requesting immediate regulatory intervention and demand that Citibank do one of the following without further delay : Release my funds in full immediately, or Return the funds to XXXX so that they may be reissued to me, or Provide a formal written explanation citing the specific legal authority that permits Citibank to retain my funds indefinitely under these circumstances Citibanks actions have caused significant financial hardship and distress. Their refusal to communicate effectively or resolve this matter, even after Walmarts attempted involvement, is unacceptable. I am requesting a prompt investigation and resolution.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: NY

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX has sold an invalid, non-existent debt to a third-party debt buyer ( XXXX XXXX XXXX XXXX XXXX who is now using a collection agency ( ACI XXXX ) to pursue me for {$1000.00}. The underlying transactions were part of a " Pay in 4 '' plan for items that were stolen upon delivery. I followed all legal protocols : I filed a police report and initiated formal disputes with both XXXX and my bank. On XX/XX/2025, XXXX formally closed Case XXXX XXXX XXXX XXXX, XXXX, and XXXX in my favor. On XX/XX/2025, my financial institution confirmed that the provisional credits for these transactions were made final and would not be debited back. Despite these cases being closed in my favor, XXXX internal accounting failed to reconcile the balance and " charged off '' the amount as a bad debt, subsequently selling it to XXXX XXXX XXXX. I am now being harassed via text message and mail by ACI XXXX ( Reference # XXXX ) for a debt that both the merchant and the bank already adjudicated as {$0.00}. Attached : XXXX dispute information, Bank dispute notification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: RI

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
My mortgage loan ( Loan Number XXXX ) was transferred from XXXX XXXX, and I was provided incorrect and conflicting payment instructions. On XX/XX/year>, I received a written letter from XXXX XXXX stating that XXXX XXXX was my lender and instructing me to make my mortgage payment payable to XXXX XXXX before XX/XX/XXXX. I verified the validity of this letter with a representative ( XXXX XXXX ), who confirmed it was valid. Based on these instructions, I mailed a mortgage payment in the amount of {$2400.00} to XXXX XXXX on XX/XX/year>. The check was cashed on XX/XX/year>. Before and after sending the payment, I repeatedly asked for confirmation and clarification. On XX/XX/year>, I was informed by email that Rocket Mortgage had taken over servicing of the loan. I was told by XXXX XXXX that XXXX XXXX had purchased the loan and serviced it through Rocket Mortgage, and that XXXX XXXX would forward my payment to Rocket Mortgage for proper application, with an expected update within about a week. Despite this, the payment was not applied to my Rocket Mortgage account. I was later contacted by Rocket Mortgage collections regarding an alleged missed payment. I contacted XXXX XXXX, and they informed me that I should never have been instructed to send them a payment, that they do not have the ability to forward payments to Rocket Mortgage, and that the only option would be a refund that could take up to 60 days. I made my payment on time and acted in good faith based on written and verbal instructions I was given. This is a servicing and loan transfer error, not a failure to pay. I am seeking correction of the error, proper credit of my payment, and cessation of improper collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: TX

Complaint narrative:
XX/XX/XXXX of XXXX I contacted credit sage to start working on my credit the employee said I wouldnt be sued anymore on my collections after my XXXX the lady promised me relief but Ive been sued 2 more times since I paid {$590.00} on XX/XX/XXXX up front then she charge me {$79.00} on XX/XX/XXXX then {$99.00} on XX/XX/XXXX of XXXX. Then I was charged {$74.00} on XX/XX/XXXX I contacted them each month for progress just for them to tell me I had to pay for a separate subscription to check my credit progress with them being a extra {$24.00} ( this was not disclosed in the contract ) a month then they charged me {$99.00} on XX/XX/XXXX I was promise my credit would be worked on and that I wouldnt be sued again since I took action in XXXX. They couldnt tell me anything about the progress on my credit. I could have paid off the collections myself. They didnt help my credit they just took money from me. And refused to refund me. I just wanted to fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Complaint against : JPMorgan Chase Bank, N.A. Subject : Wrongful Denial of Unauthorized Transactions ( XXXX XXXX I am filing this complaint regarding multiple unauthorized transactions on my Chase account that occurred between XXXX and XX/XX/year>, which Chase has wrongfully denied after investigation. I did not authorize any of these transactions. These charges occurred across multiple months and include activity in locations where I was not present, including transactions in XXXX. This pattern clearly reflects ongoing unauthorized use of my account, not isolated or authorized activity. I discovered the unauthorized transactions in XX/XX/year> and reported them immediately upon becoming aware. I primarily use XXXX XXXX and do not regularly use or monitor the physical card associated with this account, which contributed to the delayed discovery. Chase denied my claim, stating that the transactions were authorized, but failed to provide any meaningful or sufficient evidence to support this determination. At no point has Chase provided : * Proof of card-present authorization * A valid signature match * Device or IP address verification * Any confirmation that I personally approved these transactions The mere fact that transactions were processed does not establish authorization. Additionally : * These transactions do not match my normal spending patterns * They occurred in locations where I was not present * I was unaware that my card was being used fraudulently until XXXX * I reported the issue promptly upon discovery The presence of multiple transactions across XXXX, XXXX, and XXXX demonstrates a clear pattern of unauthorized activity that should have been properly investigated. Chases conclusion appears to rely solely on the timing of my report rather than actual evidence of authorization, which is not a valid basis for denial. Chase has indicated that my account may be closed due to the number of disputes filed. These disputes are related to legitimate unauthorized transactions, and I am being penalized for reporting fraud on my account. Closing my account under these circumstances raises serious concerns, as I am acting in good faith to report unauthorized activity and protect my finances. I am requesting that my account not be unfairly restricted or closed while this matter is under proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX regarding a fraudulent account reported under my identity, allegedly opened in XX/XX/year>. I have attached my Identity Theft Affidavit and Federal Trade Commission report as supporting documentation, which clearly establishes that I am a victim of identity theft and that unauthorized parties used my personal information without my knowledge or consent. According to the sworn affidavit and report, I did not authorize this account, did not receive any benefit from it, and any associated agreement, signature, or obligation is invalid, fraudulent, and disputed. The continued reporting and enforcement of this account constitutes ongoing harm and a failure to properly investigate and correct fraudulent activity. I am formally demanding a full accounting of this alleged debt and the complete chain of title. This includes, but is not limited to : identification of the true creditor, all parties with any ownership interest, and all records evidencing the creation, transfer, assignment, or sale of the account. Provide all documentation showing how any interest in this account was lawfully obtained, including any agreements, applications, instruments, or authorizations bearing my alleged consent. If this account has been sold, securitized, or assigned, I require the full transactional history and proof of each transfer, including dates, consideration exchanged, and the authority under which such transfers occurred. Additionally, I demand verification of the legal standing of the reporting party to collect or enforce this alleged obligation, including proof that they are the lawful holder with enforceable rights. Any failure to provide a complete and accurate accounting will be considered evidence that no lawful claim exists. Given the attached identity theft documentation and sworn statements, I am demanding the immediate removal of this account from all consumer reports, cessation of any collection activity, and written confirmation that this matter has been corrected. Any continued reporting, collection, or failure to investigate will be treated as willful noncompliance and subject to further escalation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Systemic Fraud-Protection Failure and Bad Faith Resolution by Bank of America XXXX XXXX a XXXX loyal client of Bank of America. I am filing this complaint because the banks internal security protocols failed to prevent a blatant " billing loop '' fraud, and the institution is now engaging in a bureaucratic runaround rather than resolving a clear technical error. The Incident : On XX/XX/year>, I attempted a single online purchase with the merchant XXXX ( XXXX, XXXX ). Bank of America ( BofA ) correctly flagged the transaction as potential fraud. I responded to the text alert to authorize the single purchase. However, XXXX system then allowed the merchant to " force-post '' XXXX separate high-value charges ( {$860.00}, {$860.00}, and {$990.00} ) in under XXXX minutes. Crucially, the XXXX {$860.00} charges occurred just XXXX seconds apart. The Banks Failure : Despite my immediate report and the cancellation of my credit card to stop the fraud, BofA has provided XXXX resolution. I have called multiple times, including a XXXX call today ( XX/XX/year> ) that resulted in no progress. I was previously told on XX/XX/year>, that " nothing more was needed, '' only to be immediately sent an automated demand for more paperwork. The Disparity in XXXX : I had the same experience with this merchant on a XXXX credit card during the same period. XXXX recognized the systemic error and resolved the dispute in my favor immediately. Bank of America, where I maintain a substantial financial relationship, has refused to acknowledge the impossibility of these timestamps or the failure of their own fraud-verification loop. XXXX Requested : I have received no products or services from XXXX XXXX I am requesting that the CFPB XXXX Bank of America to : XXXX. Permanently reverse all three unauthorized charges ( {$2700.00} ). XXXX. Provide a formal explanation as to why their " XXXX XXXX '' allowed XXXX identical high-value charges to process XXXX seconds apart. XXXX. Cease the conflicting demands for documentation for a self-evident technical error.

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 2026-04-21 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: OH

Complaint narrative:
My mobile device was stolen on XX/XX/year>. On XX/XX/XXXX at XXXXXXXX XXXX a man XXXX XXXX himself XXXXXXXX XXXX out of my chime account. I have disputed the charge XXXX times. I provided a police report proving the charge was fraudulent and chime will not return my money. Ive spoken to customer service agents and the dispute team. They denied and hung up on me.

Company response to consumer: Closed with explanation