vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding Cash Apps refusal to assist in resolving an erroneous payment of {$800.00}, despite my immediate action and full cooperation. On the date of the transaction, I intended to send {$800.00} to a known recipient. While typing the recipients name, a different user appeared, and the funds were mistakenly sent to an individual I do not know. I attempted to cancel the payment immediately, but it had already been accepted. I contacted Cash App support right away and was told nothing could be done once the payment was accepted. I then reached out to the recipient and eventually located them through social media. The recipient has stated they are willing to refund the money only if Cash App provides written confirmation that they will not be charged a second time in the event of a dispute. This is a reasonable request. The recipient contacted Cash App directly and was advised not to refund me.So he then asked for confirmation. Cash App has refused to provide any written confirmation, email, or documentation even after my dispute was formally denied and closed as this was as a last resort. At this point, there is no possibility of a chargeback or future dispute. However, Cash App continues to refuse to assist in facilitating a refund or providing minimal written assurance, effectively blocking resolution and leaving me without recovery of my {$800.00} after more than a month. Resolution Requested : Cash App should provide written confirmation that the recipient will not be charged again if the funds are refunded, or otherwise facilitate the recovery of my erroneously sent {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Branch Messenger, Inc.
State: IL

Complaint narrative:
This email was submitted to Branch after receiving confirmation that the investigation for the unauthorized transactions had been granted in my favor and out of {$6000.00} dollars I have only received {$6.00} dollars. In addition to the claims on my account are all showing that they denied, This company owes me money and I need it now this is ridiculous! Dear Branch Disputes Team, I am writing to issue a XXXX XXXX formal legal demand for immediate reimbursement XXXX XXXX regarding unauthorized transactions on my account ( Card ending in XXXX, Case # XXXX ). Your prior determination denying my dispute is XXXX XXXX factually incorrect and legally noncompliant XXXX XXXX. I provided clear and verifiable documentation demonstrating that I was on XXXX separate travel assignments during the timeframe in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The disputed transactions occurred in a different state while I was not physically present and were XXXX XXXX not authorized by me XXXX XXXX In your official response, you stated that XXXX XXXX no investigation documents were used XXXX XXXX to reach your decision. This confirms that no reasonable investigation was conducted, which is a direct violation of the Electronic Fund Transfer Act ( Regulation E ). Additionally, I have XXXX XXXX not received any meaningful reimbursement XXXX XXXX, aside from approximately {$6.00}, which is not a valid resolution given the total amount disputed. XXXX XXXX XXXX IMMEDIATE DEMAND I am demanding the following XXXX XXXX without delay XXXX XXXX XXXX XXXX XXXX XXXX Full reimbursement of ALL unauthorized transactions XXXX XXXX XXXX XXXX XXXX XXXX documented explanation XXXX XXXX of your decision-making process XXXX. Written confirmation that no negative action will be taken on my account XXXX XXXX XXXX NOTICE OF ESCALATION This matter has already been escalated to the Consumer Financial Protection Bureau. Your response there was inadequate and failed to resolve the issue. If this is not resolved immediately, I will proceed with : * Filing additional regulatory complaints * Filing with my State Attorney General * Initiating legal action in small claims court without further notice This is your * * final opportunity * * to resolve this matter before legal escalation proceeds. I expect immediate action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: Klarna AB
State: MI

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my Klarna account resulting from identity theft. In XX/XX/year>, I discovered approximately XXXX transactions on my Klarna account that I did not authorize. I immediately reported the issue to Klarna and opened a dispute. I also took appropriate steps by filing a police report ( XXXX XXXX Police Department, Case # XXXX ) and submitting an identity theft report with the Federal Trade Commission XXXX XXXX ). Klarna initially paused the charges and stated that an investigation was ongoing. However, after several weeks/months, Klarna informed XXXX that my claim was denied, stating that they found no evidence of fraudulent activity. This conclusion is incorrect and does not reflect the number or nature of the unauthorized transactions. I did not make or authorize these purchases, nor did I receive any benefit from them. I have acted in good faith and provided all requested documentation to support my claim. I am requesting that Klarna : XXXX. Reopen and properly investigate my claim XXXX. Reverse all unauthorized charges XXXX. Provide a detailed explanation of the evidence used to deny my dispute This situation has caused significant stress and concern, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year> my husband was served papers from the sheriff. The papers were given directly to my husband not myself. I contacted summit legal aid and they advised me to submit a written response at the courthouse. I submitted my response on XX/XX/year>. I submitted copies of my credit report where Capital One was closed and paid in full and only had a credit limit of {$300.00}, to the courthouse. I in turn asked for validation of the debt, the records of transactions, proof the debt was assigned for prosecution, and my wet signature. On XX/XX/year> I sent a certified copy to XXXX XXXX I, XXXX and to XXXX XXXX XXXX XXXX ( the law firm XXXX is using ). On XX/XX/year> I received a letter stating I only had 10 days to respond in writing at the courthouse, which I had already done. On XX/XX/year> I received a letter from XXXX starting they received my dispute and verified the information, however they never sent me the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Citi Best Buy Card representatives offered to remove the negative credit card debt from my credit report completely if I paid my balance in full. I fulfilled this obligation and paid the total amount due in XXXX. After making the payment, I disputed the negative item on my credit report, but it was not removed. I also requested written confirmation from Citi Best Buy after payment was made, but never received a response. When I called to resolve this matter, my concerns were dismissed and not appropriately addressed. I paid my balance in full immediately as agreed, and I am requesting removal of the negative item from my credit report due to this misconduct.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I saw unusual activity on my bank account. I reported the unusual activity and the bank refunded me the money. Now they are taking the money back because they said it wasn't fraud. This is dealing with almost {$5000.00} in charges that were unauthorized and now my bank account is negative. They refuse to help me in anyway

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am submitting this complaint regarding my PNC XXXX Rewards Visa credit card account ending in XXXX. My current balance is approximately {$1200.00}. My account is past due and currently over the credit limit. I have not made any new purchases on this account since XX/XX/year>, as I have been actively trying to manage and reduce my debt and avoid increasing the balance. I have made multiple attempts to contact PNC Bank to request hardship assistance or a structured repayment plan due to financial difficulty. Despite these efforts, I have been told that I am not eligible for hardship programs. However, no clear explanation has been provided for this denial, and no alternative solutions or repayment options have been offered. I am currently managing multiple other debt obligations in addition to {$1000.00} in monthly rent, which limits my ability to make large payments. However, I am making a good-faith effort to resolve this account and prevent further delinquency. I am requesting that PNC review my account and provide reasonable assistance, including : A structured repayment or workout plan Reduced monthly payment terms Temporary interest rate reduction Waiver or reduction of late fees and penalties Based on my current financial situation, I can reasonably afford to pay {$50.00} per month toward this account. I am requesting a formal plan that reflects this amount so I can stay consistent and avoid further financial harm. At this time, I feel that my attempts to resolve this issue have not been handled appropriately, as I have not been given clear reasoning for denial or any viable path forward. I am requesting a formal review of my account and a written response outlining available options. I am willing to pay this debt, but I need a realistic and manageable solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XX/XX/year> provided ProCollect with court documents showing the debt was XXXX and change at which time XXXX XXXX said they will reduce debt to {$8200.00}. I agreed and asked him to provide documentation on the agreed amount. He said he couldn't do that, just to send them that amount. XXXX Called again, very rude, insulting, threatening gentleman would not provide his name, didn't know what I was talking about and hung up. XXXX Spoke with XXXX XXXX again. he again said yes to {$8200.00} and again said send it, it is in the notes. Still no documentation stating agreed amount mentioned above. XXXX Called again, gentleman was harassing would not provide his name and told me to send them {$12.00}, XXXX prior to XXXX they refused any payment plan and hung up on me. I am willing to pay the {$8200.00} but will need documentation stating the agreement. Why do they refuse. I am a XXXX woman with a monthly income of {$1600.00}. I am willing to repay my debt, but they are not providing me with any documentation on an agreed amount and are not willing to accept a payment plan. Please contact them asap so that I can resolve this situation immediately. Thank you in advance for your help.

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 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: UT

Complaint narrative:
On XX/XX/year>, I received a call requesting that i pay a debt collector. I asked them to send me a letter verifying the debt with proof that i was mine. I have yet to have received this letter and they started reporting it anyway. They were given my correct address and have had every opportunity to send me the requested information. Per 12 CFR 1006.34 ( Regulation F ), the collector was required to send this notice within 5 days of that initial communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: IL

Complaint narrative:
I have made multiple attempts to resolve this issue directly with both Carvana and XXXX XXXX. My primary method of communication has been through email with the Carvana back office/verification department. I have sent numerous emails explaining the Social Security Number discrepancy and requesting correction of the account. I also contacted XXXX XXXX and notified them of the issue. However, the matter has not been resolved, and no corrective action has been taken. Despite my repeated efforts to resolve this directly, the companies have failed to properly address the identity discrepancy or correct the invalid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Avant regarding inaccurate credit reporting, unresolved fraud dispute, and failure to properly validate a debt. I previously reported this account as fraudulent. Despite this, the account was left open and continued to accrue late fees and negative reporting. I later requested debt validation. Avant did not provide proper verification of the debt, including a signed agreement, full payment history, or proof that the reported late payments and fees are accurate. Because of this, I believe the account is being inaccurately reported on my credit file. I am requesting : Full investigation of this account Removal of any inaccurate late payments and fees Correction or deletion of inaccurate credit reporting Written confirmation of the investigation outcome I have attempted to resolve this directly with Avant but have not received a proper resolution. Called Multiple times from months XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Several companies have accessed my credit report without my authorization, directly harming both my credit profile and score. I previously contacted your agency and was assured that these unauthorized inquiries would be removed ; however, they still remain on my report. This failure to act is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a " goodbye '' letter from XXXX in regard to an unpaid debt. This debt was the full amount owed to XXXX at the time {$730.00}. They were informing me that Jefferson Capital Systems , LLC was now in charge of this debt as of XX/XX/XXXX. I was on an attorney handled debt repayment plan at the time and sent the debt to them on XX/XX/XXXX to see if it could be added to my plan and paid off. On XX/XX/XXXX, I received a confirmation email to agree to add the debt and pay it off. I sent confirmation on XX/XX/XXXX. The debt was paid in full on XX/XX/XXXX. Not soon after the debt was paid in full, I would say a month or so, Jefferson Capital started sending flyers stating that I still owned the debt and had in fact taken the full amount of different purchases made on XXXX and split them into separate purchases and attempted to have me pay for them once again. The full amount was stated by XXXX to resolve the debt, they accepted it, and it was paid. I do not own this or any other XXXX debt. They also failed to inform XXXX that the debt was paid because I tried re-sign up to test the process and it stated that the debt was still owned when it was not. I called Jefferson Capital and a representative there told me they were never contacted by my debt settlement plan attorney and that as far as she knew, I still owned the debt. I have asked XXXX to provide an itemized list of the full balance and all the purchases to make it up. I will upload it once it arrives. I am giving this creditor to opportunity to correct this issue before escalating the issue further as they are causing huge impact with my credit and affecting my credit score for a debt that I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am reopening CFPB complaint XXXX that was closed out for no apparent reason that I know of. Truist still has {$60000.00} that is accepted as a deposit into an unverified account and has not returned to the original Payor in 45 days. The CFPB closed the case because Truist sent me a letter giving me the name ( XXXX XXXX ) of the Truist employee assigned to my case, who would provide information. All XXXX XXXX ever provided was indication " the funds would be mailed by XXXX business days from XX/XX/XXXX ''. Since XX/XX/year>, no person from Truist has responded to any of my numerous emails. I have no idea when or if the funds will be received. I am losing thousands of dollars and am being put through extreme mental turmoil and anguish, causing extreme detriment to my personal health and well-being. And Truist will not even reply to my emails. Silence. Yet the CFPB closed the case? I am so confused as a consumer.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/year>, I visited a car dealership in the XXXX, New York, called XXXX. I checked my credit to determine if I could secure a car loan, but the owner informed me that the approval process would be lengthy, so I decided to leave for a few hours. When he called me back, he confirmed that I had been approved for the loan without any issues. Over the next few months, I received a letter in the mail from a credit card company called FNB of XXXX. The letter stated that I had an overdue balance. Confused, I contacted the bank to inquire about the overdue balance. They explained that the letter indicated that I had used the credit card I was approved for to purchase a car, but I had never actually applied for the credit card. I informed the representative that I had not applied for the loan, but they assured me that there was nothing they could do about it and that I would have to repay the debt regardless. At the time, I was XXXX XXXX XXXX and inexperienced with credit cards, so I complied with the representatives instructions and attempted to make monthly payments.

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 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Subject : Additional Documentation Payment History from Servicer - XX/XX/XXXX Update I am submitting this complaint as supplemental information to an existing complaint ( XXXX ) regarding my federal student loans serviced by Nelnet. I have been in repayment for over XXXX years, including loans originating between XXXX and XXXX and consolidated in XXXX. My XXXX plan has now been approved. I am requesting that my account be evaluated for forgiveness based on my repayment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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:
i used my citi visa to pay {$620.00} for a month stay at an rv park called XXXX XXXX XXXX XXXX. the resort was closed by Housing & Urban Development for major code violations more than XXXX years ago and didnt have the legal right to rent to me a space or bill me for any reason. I even left early due to electrical problems in my trailer due to the faulty wiring at XXXX XXXX XXXX XXXX. i spoke with XXXX ( XXXX ) customer service rep at HUD who informed me that fenders was closed and they had no legal right to rent me a space and they were obligated to refund my money. There were also handicap access points locked with chains and wire fencing to block access and huge cracks in the sidewalks that were trip hazards and leaking sewage in one area. citi bank did not add me to this citi account as the XXXX for the primary card holder which disallowed my access to the necessary account options to properly resolve this dispute and citi bank has now closed my dispute without even allowing me to tell my side. CITI BANK must add me as the XXXX as I have already faxed to their office a notarized copy of the documents that empower me as the XXXX for the primary so that i can access statements and resolve disputes.

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