vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NC

Complaint narrative:
I randomly received and email that my Cash App account had been suspended due to violating terms and conditions. I asked what I violated because I never use the account much other than paying at yard sales, tipping my nail tech, and buying stock. This info was not provided. I asked how to appeal, I was provided with info, I appealed 3 times. None of which have been responded to. And today they sold my stock without my knowledge or permission. My funds from my stock sales were in my Cash App account. I was told on the phone by the XXXX of XXXX agents I have spoken to day that I have to use my CashApp debit card to retrieve the funds. I drove all the way to an ATM and the card didnt work. Not to my surprise because I received and email stating the card would XXXX. I called back again and was told I could transfer to my debit card. I had tried linking my bank account earlier to transfer and was unable to because that had been XXXX. I added my debit card and was able to successfully transfer money. However I was charged a fee to do so, and asked to be refunded this fee and was denied. I also had a manager email me, but they also would not provide information or help, only passing the buck to someone else, who has not replied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXXXXXX Scam Incident Involving Email Spoofing Date of Incident : XX/XX/year>, Victim : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>, at XXXX AM, I received an email that appeared to be from XXXX XXXX, XXXX of the XXXX XXXX XXXX XXXX XXXX ( XXXX ). The email requested a {$100.00} donation to support the XXXX XXXX XXXX XXXX. Believing the request was legitimate and from our organizations president, on XX/XX/year> I sent {$100.00} via XXXX to the recipient listed : XXXX XXXX, phone number ( XXXX ) XXXX. Later on XX/XX/year>XXXX XXXX XXXX XXXX I received a second email from the same sender thanking me for the donation and requesting an additional {$500.00}, stating that XXXX XXXX would personally reimburse me. This prompted me to call XXXX XXXX directly. He confirmed that he had not sent any emails or donation requests and would never solicit money from members in this way. I then discovered that the scammer had spoofed the email address, replacing XXXX XXXX legitimate address with XXXX. I immediately reported the fraudulent XXXX transaction to Bank of America and filed a claim for reimbursement. Despite my Preferred Customer status and the clear fraudulent nature of the email, Bank of America denied my claim ( denial letters attached ). Total Loss : {$100.00} This synopsis is provided along with supporting documentation, including the fraudulent emails, XXXX transaction details, and XXXX XXXX XXXX denial letters. Respectfully submitted, XXXX XXXX XXXX

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was a victim of identity theft I would like to investigate and remove of my credit the items liste are violation of the 15 USC 1681e ( b ) which is a violation of the fair credit reporting act. I request these items deleted for my credit report according o 15 USC 1681i ( 5 ) these account was done fraudulenty PROGRESSIVE GOVERNMENT EMPLOYEES IN. BANK OF AMERICA XXXXXXXX XXXX XXXX XXXX

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 2026-04-15 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
I canceled my Anytime Fitness personal training membership XX/XX/XXXX, and I agreed to only keep the regular gym member ship for {$40.00} every month and I wasn't able to attend but one free personal training session, but the other sessions I paid {$80.00} for on XX/XX/XXXX I wasn't able to attend, I let them keep the first {$80.00} because I was showing good will, for last minute having to cancel, and then they rejected my cancelation saying not valid ( in contract it says telegram is valid and the modern equivalent is text message ) so I cancelled XX/XX/XXXX originally and they still charged me {$80.00} on the XXXX of XXXX after I cancelled the XXXX and USAA is trying to say I only canceled the second time on XX/XX/XXXX and sided with the gym and took my provisional credit of {$80.00} I disputed and it put me - {$80.00} then my XXXX dropped and it took my {$80.00} from XXXX ultimately taking {$160.00}. and that was after I filed the first CFPB complaint privately and I called them today to fix it and the long answer I got was " No '' we didn't take your XXXX money only the provisional credit which is very wrong I have a screen shot proving {$160.00} ultimately was taken via wrongful siding of the dispute and the {$80.00} more from my pocket to cover the negative balance. Plus the lady from the dispute team said don't worry we already filed a complaint for you, which isn't how any of this works. and for XX/XX/XXXX that's when I cancelled the full membership not just the personal training. Additionally, the contract states nothing about needing a doctors note to cancel, images of everything and running balances, contract agreement and proof of date of cancelation of XX/XX/XXXX and again XX/XX/year>. Another thing USAA won't show denied transactions on the app, I've looked everywhere and its not there.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am a victim of identity theft I request these items to be deleted from my credit report because it a violation of the 15USC 1681e ( B ) according with 165 USC 1681i ( 5 ) these items was done fraudulently and also the inquires in the documents uploading

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I paid off my card in XXXX. Unbeknownst to me a late fee was incurred after the card was paid off with multiple other late fees charged on the late fee causing repetitive, harassing phonecalls. These could exceed XXXX a day at times back to back in rapid succession.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally Bank closed my checking and savings accounts and permanently restricted my profile, while refusing to provide the legally required information about the restriction. I have repeatedly requested the legally required Notice of Adverse Action under Regulation B and the FCRA. On XX/XX/year>, a supervisor refused to provide this information and hung up on me. I am demanding a written explanation for this restriction and the disclosure of any third-party reports used, as they have been refused numerous times by this supervisor, whom I spoke to on XX/XX/year> ( XXXX, XXXX Care XXXX XXXX XXXX, I contacted Ally Bank regarding the permanent restriction on my profile. I spoke with a supervisor who refused to provide a reason for the restriction or a legally mandated Adverse Action Notice. When I cited my rights under Regulation B and the Fair Credit Reporting Act ( FCRA ), the supervisor ( XXXX XXXX became hostile and disconnected the call. Ally Bank is currently in violation of federal law by taking adverse action against a consumer without providing a specific statement of reasons or disclosing the source of the third-party data used, or if it was used to make that decision. This 'XXXX ' has occurred without any formal notification, preventing me from correcting potential errors in my banking history.

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 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Complaint Against Debt Collector : Caine & Weiner Company , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor : XXXX XXXX XXXX XXXX XXXX La XXXX, TN XXXX I am filing a complaint regarding unlawful debt collection practices by Caine & Weiner acting on behalf of XXXX XXXX. This alleged debt is in my personal name. On XX/XX/year> after their initial contact via email, I timely sent a written dispute and debt validation request disputing both the alleged debt and, specifically, the amount claimed. I requested a complete itemized accounting showing how the balance was calculated. Instead of validating the debt, the collector sent only a contract and then continued collection efforts by demanding payment again within five business days. After receipt of my written dispute, the collector continued collection attempts and stated that I must remit payment within five business days even though federal law requires collection efforts to cease until validation is provided. The collector further stated that : - a comprehensive investigation into my assets and liabilities is in progress - the purpose is to determine what assets may be available to satisfy the creditors claim - they may contact vendors, creditors, and financial institutions to determine my status with those entities I believe this conduct violates the FDCPA because : 1. continued collection after written dispute without validation 2. threats of legal escalation and asset investigation 3. threatened third-party contact beyond location information purposes 4. continued payment demands while the debt remains disputed I request that the CFPB investigate Caine & Weiner and require them to cease collection activity until proper written validation is provided, including a complete itemized accounting of the alleged balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I deposited my settlement check for {$12000.00} at the Chase Bank in XXXX California. They put a deposit hold on my account for 11 days because of the large depositwhich the last day of the hold was on was on XX/XX/XXXX and Wednesday morning, XX/XX/XXXX. I woke up to a restriction on my account saying that they cant verify my check. I get numbers that were provided me by my lawyer from the company that I was in the settlement with and Chase is still denying the numbers and saying they arent verified they said the funds are in the account and the money is accounted for they just dont have a verified number to call to verify the check and they keep saying that theres nothing they can do about it and theyre risking closing my account within 10 days of the restriction being on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding an ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This company is currently reporting a collection account on my credit report and attempting to collect a debt. However, I have identified that ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has been listed by the Federal Trade Commission as a banned entity/individual from participating in debt collection activities. Because of this, I have serious concerns regarding their legal authority to collect or report this alleged debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), all information reported must be accurate and verifiable. A company that has been prohibited from engaging in debt collection activities can not reasonably ensure the accuracy or legal enforceability of the information being furnished. Additionally, under the Fair Debt Collection Practices Act, any attempt to collect a debt without proper authority or through deceptive practices is a violation of federal law. Given that this entity has been subject to enforcement action resulting in a ban, their continued reporting and collection efforts raise serious concerns of : Unauthorized debt collection activity Furnishing potentially inaccurate or unlawful information Violations of federal consumer protection laws Because of these issues : I am disputing this account in its entirety I am requesting immediate deletion from all credit reporting agencies I am demanding that all collection activity cease immediately I request verification of how a banned entity is still reporting to consumer credit bureaus

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding an ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX This company is currently reporting a collection account on my credit report and attempting to collect a debt. However, I have identified that ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX has been listed by the Federal Trade Commission as a banned entity/individual from participating in debt collection activities. Because of this, I have serious concerns regarding their legal authority to collect or report this alleged debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), all information reported must be accurate and verifiable. A company that has been prohibited from engaging in debt collection activities can not reasonably ensure the accuracy or legal enforceability of the information being furnished. Additionally, under the Fair Debt Collection Practices Act, any attempt to collect a debt without proper authority or through deceptive practices is a violation of federal law. Given that this entity has been subject to enforcement action resulting in a ban, their continued reporting and collection efforts raise serious concerns of : Unauthorized debt collection activity Furnishing potentially inaccurate or unlawful information Violations of federal consumer protection laws Because of these issues : I am disputing this account in its entirety I am requesting immediate deletion from all credit reporting agencies I am demanding that all collection activity cease immediately I request verification of how a banned entity is still reporting to consumer credit bureaus

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 2026-04-15 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: WI

Complaint narrative:
My credit builder card on Chime was closed due apparently to me filing a XXXX XXXX bankruptcy I tried contacting them. I was on the phone with them multiple times throughout the day they said there was nothing they could do and that I needed to contact my lawyer. I did contact my lawyer and he was on the phone with me when I was on the phone with them and they said they were gon na ticket my complaint to some legal team and that I needed to wait for them. They said that my money from my credit building account, even though I was the one who had the money in there, I didnt owe any money to chime was not gon na be able to be returned to me. I got a direct deposit for my work XX/XX/XXXX or XX/XX/XXXX and that was the money that was automatically just moved to that account and thats also the money that was taken for me. They are not giving me my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Repeated emails by a XXXX XXXX from true accord XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the repossession of my vehicle while my account was under active payment and without effective notice of my delinquency status. Leading up to the repossession, I made multiple payments toward the account in good faith, believing I was meeting my monthly obligation and working toward bringing the account current. While I was later provided with a general payment history and a verbal explanation over the phone, the information provided was not detailed or actionable enough to clearly show how my account remained in a continuous delinquent status or what exact amount was required to bring the account current and avoid repossession. At no point did I receive communication that effectively notified me that my account remained in a repossession-eligible status despite ongoing payments, or that prior delinquency was continuing to compound. There was no clear communication identifying a specific amount that needed to be paid by a specific date to prevent repossession. Santander has stated that notice was sent via email and mail ; however, I did not receive any communication that provided clear and actionable notice of the risk of repossession or a meaningful opportunity to resolve the issue. Based on my understanding, the account appears to have been treated as continuously past due due to prior delinquency, even while payments were being made. This resulted in the account continuing to age toward repossession without clear or effective notice. The repossession occurred at my workplace, leaving me stranded over an hour from home. The vehicle also contained my childrens car seats, creating immediate hardship for transportation and childcare. I have requested a full and detailed payment application breakdown, delinquency aging, and documentation showing how the account reached repossession status, as well as the exact amount required to bring the account current at each stage. This level of detail has not been provided. I believe this situation reflects potentially unfair servicing practices, where payments were accepted without adequate transparency regarding their impact on delinquency status and the risk of repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I did debt consolidation almost a year ago. However, on XX/XX/XXXX I received a XXXX for cancellation of debt in 2025. According to everything I read XXXX are to be mailed out by XX/XX/XXXX. It's almost as if they intentionally waited till now with the hope that I couldn't pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Mediation Recovery Center
State: FL

Complaint narrative:
This person called my husband first, told him I have a debt and called off my social security number to my husband without being asked. This is while my husband was on XXXX XXXX in his truck with employees present. My husband told him he didn't know anything about this, don't call him. He told my husband he probably had no idea what all I owe and he should really check my credit report. After this, the man called me and again, immediately reads off my entire social security number and DOB, he sounded very aggressive and had a threatening manner. I asked him to send me information in the mail and that I don't give out payments to just anyone who calls me and he got angry, told me they had been mailing things and called off an address of an I investment property where I don't live, confirmed that was not the area they had, they obtained the second address. I kept trying to ask for information by mail or email and he kept talking over me, then hung up. He also subsequently sent texts to my phone and my husbands business phone with info on a debt, including the amount. This identical text was sent to my husband, then me. Both had account link and amount, but he says I'm the only one on this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
b"Back on XXXX XXXX I found out that on my business debit card with Bank Of America with the following account XXXX XXXX XXXX had been lost misused unauthorized activity on the following dates XXXX XXXX XXXX XXXX there were XXXX unauthorized withdrawals that I reported each found XXXX for total of XXXX XXXX Ive yet to even get an provisional credit from bank at all and my card was not in my possession either being XXXX XXXX I did lose my card or being XXXX known for lots of theft via skimming ... I reported this to BOA on XXXX XXXX directly the XXXXh day \n XXXX Procedures for resolving errors.\nUnder Regulation E, financial institutions must investigate consumer electronic fund transfer (EFT) disputes promptly, generally within XXXX business days of receiving notice of an error. If the investigation takes longer, the institution must provide provisional credit to the consumer's account within those XXXX days for the amount of the alleged error. \nConsumer Financial Protection Bureau"

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