vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: TX

Complaint narrative:
I am reporting identity theft and unauthorized transactions on my Cash App account totaling approximately {$7600.00}. Between XX/XX/XXXX and XX/XX/XXXX, there were a total of XXXX unauthorized Cash App payments to multiple merchants, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I did not authorize any of these payments and did not share my login credentials or account access with anyone. 

I discovered the fraud on XX/XX/XXXX, while reviewing my bank statements and immediately contacted Cash App to report the issue. I was told I would receive a response within XXXX business days or a provisional credit, but no response or credit was provided. When I followed up on XX/XX/XXXX, I was informed that the dispute had only then been submitted and was asked to provide documentation. My funds have still not been returned. 

During the same timeframe, Cash App has already resolved other unauthorized transactions in my favor, which confirms that my account was compromised. I am requesting that the remaining XXXX unauthorized transactions be fully refunded and that my account be secured. 

I have filed an Identity Theft Report and submitted a complaint to the CFPB. I am formally disputing these transactions under federal consumer protection laws, including Regulation E, and request a full investigation, immediate reimbursement of all unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
XX/XX/year>XXXX  - XXXX XXXX XXXX Card opened in my name without my consent

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding a XXXX  collection account that is being reported on my credit file without verification. I have repeatedly requested validation of this alleged debt, including an account number, itemized bill, proof of obligation, date the debt was incurred, and documentation showing that this debt belongs to me. 

The collection agency has refused to provide any of this information. They will not provide an account number, an email address for written communication, any billing statements, or any documentation showing that I owe this debt. They also refuse to provide the date or time the alleged debt originated. 

Instead, the collector repeatedly references an address that I have never lived at and refuses to provide any evidence linking me to the alleged account. Despite my requests, they continue to report this account without competent proof that the debt is mine. 

Reporting an unverified debt while refusing to provide validation constitutes inaccurate credit reporting and a failure to properly investigate under the Fair Credit Reporting Act. Refusing to provide validation while continuing collection activity also violates the Fair Debt Collection Practices Act. 

I am requesting the immediate deletion of this unverified XXXX  collection from my credit report and that the company cease all collection activity unless and until proper documentation is provided. I have filed a police report for identity theft and will be adding the documentation to the report

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 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
In XX/XX/XXXX, I submitted complete and qualifying loan cancellation paperwork to my prior loan servicer ( XXXX  ) by certified mail. The submission was delivered and picked up on XX/XX/XXXX. The paperwork included signed employer verification of qualifying teaching service. The servicer relied on this same documentation to apply a deferment, confirming receipt. However, the required partial loan cancellation was never processed, and I was never issued a denial, deficiency notice, or request for additional information. 

Shortly thereafter, servicing of the loan was transferred to XXXX XXXX. XXXX  has stated that it does not have a record of the cancellation paperwork and has directed me to submit documents again, without addressing the prior documented submission or the reliance placed on it by the prior servicer. 

On XX/XX/XXXX, during live chat with XXXX, I provided certified mail delivery evidence showing the XX/XX/XXXX submission. After providing this evidence, the XXXX  representative terminated the chat without addressing the evidence or the underlying issue. I have preserved a record of this interaction. 

The cancellation paperwork required employer verification. At the time of submission in XX/XX/XXXX, this was my current employer. It is now a former employer, and requiring re-execution of employer verification would be costly and time-consuming solely due to servicer record-handling failures. 

I am not disputing eligibility. I am reporting loan servicing failures, including failure to maintain or reconstruct records during a servicer transfer, failure to process a qualifying partial cancellation after receipt and reliance on documentation, and refusal to address documented evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving a XXXX transaction. I received funds via XXXX that were later determined to be fraudulent, and after the transaction, the funds were reversed, causing my checking account to become negative by approximately {$2500.00}. 

I did not authorize or knowingly participate in any fraudulent activity. I contacted my bank promptly after discovering the issue and reported the transaction as fraud. I requested information about the investigation, provisional credit, and reversal of the negative balance. 

Despite contacting the bank multiple times, I have not received a clear resolution, timeline, or provisional credit, and my account remains restricted and significantly negative. This has caused severe financial hardship, including inability to pay bills or access funds. 

I am requesting that the bank properly investigate the fraud, provide provisional credit while the investigation is ongoing, and resolve the negative balance caused by this unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an e-mail for late payment and cc due {$150.00} on Discover credit card. On XX/XX/XXXX, right of way, I called Discover thinking was a scam. I spoke with customer service, and I was transferred to Discover collection ( after they found out all my credit cards were paid in full and closed ). I was told the charges were for XXXX transactions for {$8.00} and {$27.00}, the rest were disclosed as interest charges and late fees as follows : XX/XX/XXXX = XXXX statement credit ; XXXX XXXX ( late fee ), XXXX .. XXXX ( interest charge ) ; XXXX XXXX ( late fee ) ; XXXX XXXX ( interest charge on purchase ), XXXX XXXX ( late fee ) XXXX ( interest charge ) and XXXX ( interest charge ) = {$120.00} ( Total charges to include the XXXX statement credit ). This card was reported as lost or stolen ( actually I lost the card ), but I did agree with the transactions made for {$36.00} ( XXXX + XXXX ). Since I closed and paid all my accounts in full, I wasn't aware these transactions went through after reported lost, and Discover never sent me any bill of late fee until this e-mail on XX/XX/XXXX. I requested to waive the charges through the shift XXXX XXXX but denied. I paid the whole bill on XX/XX/XXXX transaction # XXXX for XXXX, but I'm requesting to refund my late and interest charges on purchases because DISCOVER failed to contact or send me any notification, either by e-mail or mail from XXXX - XXXX XX/XX/XXXX. It was not until I received an e-mail on XX/XX/XXXX, I was aware of this, and only responded because was thinking was a scam and contacted them directly. I found to be a deceptive practice of not notifying a customer, so they can accumulate those fee and charge for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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 credit card to pay for a prepaid service package. The service was discontinued before completion due to medical safety concerns after a XXXX  injury, which made continued use unsafe and not feasible. 

The merchant canceled future services but refused to refund the unused portion of the prepaid service. I then filed a billing dispute with Citi, explaining that this was not a voluntary cancellation and that the dispute involved services paid for but not fully rendered. 

Citi denied the dispute and marked it as customer responsibility, treating the situation as a voluntary cancellation. I requested reconsideration, but Citi closed the dispute without appropriately addressing that the service could not be completed due to safety concerns. 

I am submitting this complaint because the dispute was closed without proper consideration of services not rendered for a prepaid service that could not be safely used.

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 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am submitting this complaint regarding improper and inaccurate credit reporting related to an alleged rental debt. 



After moving out of my rental property in XX/XX/year>, an account was placed into collections and reported on my credit report. I was never provided a final itemized accounting or lawful notice of any balance owed prior to the debt being sent to collections. 



When I disputed the debt, the landlord initially admitted in writing that they could not locate the final accounting notice and instead provided a recreated or replica document after the account had already been reported. The landlord also apologized that the notice did not reach me. 



After my dispute, the collection tradeline was removed from my credit report. However, the landlord has continued to assert the right to re-collect and re-report the debt, despite admitting they can not produce the original accounting or proof that lawful notice was provided before placement in collections. 



The creditor has since made inconsistent statements regarding whether and when notice was sent, raising serious concerns about the accuracy and validity of the debt. Reporting a debt without lawful notice and continuing to threaten collection after dispute constitutes inaccurate and improper credit reporting under the Fair Credit Reporting Act. 



I am requesting confirmation that this alleged debt will not be re-reported and that no further collection activity will occur based on inaccurate or unverified information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-28 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
Consumer Information Name : XXXX XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX : XXXX XXXX Order # : XXXX Transaction Amount : {$2000.00} Transaction Date : XX/XX/year> Complaint Description : I purchased a XXXX XXXX XXXX ( XXXX XXXX  ) from XXXX XXXX for {$2000.00}. The order was shipped via XXXX  ( Tracking # XXXX ). The package was marked as delivered, but the XXXX XXXX was not inside the box, and I did not sign for the item, despite a signature being required for this high-value product. Other items in the shipment were delivered, but the XXXX XXXX was missing. 

I reported the missing item immediately to XXXX XXXX, filed a XXXX  claim, submitted a police report, and filed a XXXX  complaint. Despite providing all documentation, Best Buy denied responsibility. 

I disputed the charge with my credit card issuer XXXX times : First dispute ( online submission ) : Denied on the basis that I did not follow XXXX XXXX  cancellation/return policy. This is factually incorrect, as I never canceled or returned the item ; it was never delivered. 

Second dispute ( formal certified mail ) : Denied on the basis that the merchandise was delivered. This is factually incorrect because the XXXX XXXX was missing from the box and no signature was obtained. 

Third dispute ( dispute of the first denial ) : Denied again with the explanation that the merchandise was delivered. This decision ignores the facts that the XXXX XXXX was missing, the signature requirement was violated, and XXXX XXXX has produced no evidence of delivery. 

These repeated denials are unsupported by evidence and ignore the facts of the case. 

Exhibit References : Exhibit A : XXXX XXXX order confirmation and invoice ( Order # XXXX ) Exhibit B : Credit card statement showing {$2000.00} charge Exhibit C : XXXX  tracking XXXX ( Tracking # XXXX ) Exhibit D : Photos of shipping box and contents received ( XXXX XXXX missing ) Exhibit E : Timeline of XXXX XXXX phone calls and case numbers ( customer records ) : Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX Exhibit F : XXXX  claim documentation ( Claim # XXXX ) Exhibit G : Police report ( Report # XXXX ) Requested Resolution : I am requesting a full refund of {$2000.00} to my original form of payment. Alternatively, I would accept a replacement XXXX XXXX XXXX ( XXXX chip ) of the same model and specifications. I also request written confirmation of the resolution. 

Sincerely, 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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-01-28 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, my gym locker was forcibly broken into at XXXX XXXX in XXXX, Florida, between approximately XXXX XXXX  and XXXX XXXX. My gym bag was stolen and contained my Apple Card along with other credit cards, debit cards, cash, and personal items. 

Shortly after the theft, I began receiving fraud alerts for transactions that I did not authorize. One of the unauthorized charges in dispute is {$100.00} at a XXXXXXXX XXXX XXXX in XXXX, Florida, which occurred at approximately XXXX XXXX on XX/XX/year>. 

I did not authorize this transaction, did not make this purchase, and did not benefit from it. At the time of the transaction, my Apple credit card had already been stolen. 

I promptly reported the fraud to the credit card issuer Goldman Sachs and submitted disputes through the issuers official dispute process. Despite timely reporting and supporting documentation, including a police report documenting the theft, the issuer has denied my dispute three times without providing a clear explanation for why this charge is being considered authorized.

I am seeking assistance to have the unauthorized {$100.00} charge removed and to receive confirmation that I have no liability for this fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
Paid the debt of XXXX to XXXX XXXX XXXX. Contacted Sunrise Credit Services on XX/XX/XXXX to inform them. Then on XX/XX/XXXX was infringed they had reported it to my credit. Called in the XXXX again to inform it was paid them was told it could not be removed or deleted from my credit report. Was told there was no payment made. Then asked to talk to a supervisor where she said it shows paid but they can not delete it from my credit report. I have proof of it being paid I also recorded the second phone call.

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 2026-01-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
Ive had the trailer XXXX years never been late the last XXXX months I have struggled due to financial difficulties. The payment for XXXX I havent paid yet. It was due by the XXXX. I applied for a hardship with XXXX MORTGAGE and got approved and they want me to pay {$230.00} and they were gon na take care of the rest. The total amount of my mortgage every month is XXXX so out of that XXXX they only wanted XXXX and they were gon na take care of the rest. But in the meantime for the last month, Ive been trying to sell the trailer because its became too much for me and I didnt want my credit to go bad so I was trying to do the right thing and get it sold well I just found out last night on XXXX XXXX that I sold it so I called the mortgage company this morning to give them the news to tell them that the money will clear by Friday and there will be a check cut and written to them and mailed. They told me that that wouldnt work because XXXX gon na go into default because I owe {$230.00} and I responded by saying you cant put that XXXX XXXX in the payment of the payable amount thats gon na be paid off which is {$23000.00} and something they proceeded to tell me that they needed or no. They demanded that I pay the XXXX today or its gon na go into default. They were very rude disrespectful belittling, insulting intimidating and just really nasty. I cant believe that they would treat customers that way. they basically accuse me of scamming them and questioning myself of my trailer. I am flabbergasted at the moment thinking that this call was gon na be a great call and I was treated that way. I never thought it was gon na go that way I would never do business with them again and I dont recommend anybody else doing it as well. When you look on the website all you see is a bunch of nasty comments from customers. Im not the only XXXX please call me so we can speak more about this. My phone number is XXXX. They were very unprofessional and I cant believe that they think that it is OK to treat people that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Account Number To Whom It May Concern, I am writing in response to your communication dated XX/XX/, regarding the alleged debt referenced above. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide the following : 1. The amount of the alleged debt, including an itemization of any interest, fees, or other charges.

2. The name and address of the original creditor.

3. Documentation proving that I am legally obligated to pay this debt.

4. A copy of any judgment, if applicable.

5. Proof that your agency is licensed or authorized to collect debts in my state. 

Until this information is provided, please cease all collection activities and communication regarding this account. 

This request is not a refusal to pay, but a request for verification. Any attempt to report this debt to a credit reporting agency without proper validation may constitute a violation of federal law.

Thank you for your cooperation. 

Sincerely,

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