vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: MA

Complaint narrative:
I am submitting a complaint against Robinhood for failing to deliver the Robinhood Gold Credit Card as promised. 

I applied for this card as a Gold member, based on Robinhoods representations and marketing. Customer service informed me that the final batch would be released in XX/XX/XXXX, yet it is now XXXX and I have still not received the card. Robinhood has provided no explanation, timeline, or solution.

This delay is unacceptable. Robinhood has misled me into applying for the Gold Credit Card and maintaining Gold membership under false expectations. Their failure to fulfill a clear, communicated promise undermines trust and raises serious concerns about their handling of financial products. 

I maintain an excellent credit profile ( XXXX XXXX XXXX ) and continue to be a Gold member. Despite this, Robinhood has failed to deliver the product I was promised, creating both frustration and financial inconvenience.

I request that the CFPB investigate this matter, hold Robinhood accountable for its misrepresentations, and ensure they provide a clear resolution and timeline for delivering the Gold Credit Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bilt Technologies, Inc.
State: NY

Complaint narrative:
XX/XX/XXXXcard is a widely held general card for which consumers earn transferable points for rent payments - thats what the card is famous for. They are forcing consumers to upgrade to a new card or lose their card and the new card has a very complicated fee structure that is not clear. That is the only way to earn points like the old card. 

Most importantly they paid many social media influencers to obfuscate the fee in their posts so the younger consumers who are the target of this card ( renters ) wont understand that they are opening a new card with no benefits. Marketing practices feel predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
Multiple calls and texts to myself, my work phone, my work, old bosses, my mother, niehbors, text messages without permission frequent background and credit reports ran, I have notified them to stop contacting me and am in the process of filing bankrupcy. They among other collectors have threatened to come to my place of work. They have knocked on my mother 's door at her place of residence threatening her and intimidating her by sitting outside her home. She is currently undergoing XXXX and fighting XXXX. Getting out of bed frequently to answer her door or having her phone constantly going off is not ok. XXXX of my debts are related to her in any way. 
XXXX calls from fake phone numbers have been used as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On Tuesday XX/XX/XXXX at XXXX, an unauthorized transaction in the amount of {$500.00} was withdrawn from my bank account and sent through Cash App to purchase Bitcoin without my knowledge or consent. I did not authorize this transaction, nor did I provide anyone with access to my banking or Cash App account. 
As soon as I noticed the fraudulent activity, I immediately contacted Cash Apps support team to report the incident and request that the funds be reversed or recovered. Despite my efforts and providing all requested details, Cash App has been unhelpful in resolving the issue. Their responses have either been generic or have stated that they are unable to refund the money, even though the transaction was clearly unauthorized and fraudulent. 
I have also reached out to my bank to alert them of the unauthorized withdrawal, but since the funds were routed through Cash App and converted into Bitcoin, recovery has been difficult. I am requesting the CFPBs assistance in investigating this matter to help retrieve my lost funds and ensure proper action is taken regarding Cash Apps handling of this fraud case. 
This situation has caused significant stress and financial inconvenience, and I am simply asking for accountability and support in recovering the {$500.00} that was taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My credit card expired on XX/XX/year>. Usually, a replacement card with an updated expiration date is sent via US mail. I never received a replacement card, so I called customer service the week of XX/XX/year> to request a replacement. Upon my initial request for a new card, the customer service representative informed me that a new card would not be issued and that a letter explaining the reason for the denial would be sent via US mail within XXXX business days. I never received a letter. I called multiple times within the following weeks to receive an explanation from customer service. Again, the customer service representative indicated that a letter would be sent via US mail. I never received a letter, and a card has not been issued to this day.

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 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
After a fruitless attempt to put through my charge to an online retail company, I telephoned American Express. After more than an hour trying to make this transaction, it was clear to me that the problem lies with American Express. I am afraid I lost my temper and got very upset. I have a perfect record with this credit card company and. XXXX the XXXX was not willing to assist me. 

I am both angry and upset at the stupidity of this person.. I found her incompetent and ultimately stupid. 

I acknowledge that I lost my calm and was furious.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Cash app last year failed to supply me by mail why my account was closed. They claimed that it's due to suspicious information. I gave them my photo ID email address and phone number everything is true and correct I've lost money cause of this and they refused to pay me back they kept it. This is unacceptable and unprofessional. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mankin Law Group

Complaint narrative:
Mankin Law Group, XXXX. ( Mankin ) attempted to collect condominium-related debts from XXXX by falsely representing thaXXXX XXXX was the legal owner of real property she has never owned and can not legally own. Despite receiving repeated written notice, sworn affidavits, a recorded statutory disclaimer, and public land records establishing non-ownership, Mankin continued to assert ownership and pursue collection-related activity. After XXXX formally disputed the alleged debt and requested validation under the Fair Debt Collection Practices Act ( FDCPA ), Mankin failed to provide any validation and did not cease collection activity as required by law. Instead, Mankin reiterated the false ownership assertion after the dispute period, demonstrating knowing or reckless disregard for XXXX rights under 15 U.S.C. 1692e and 1692g.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am a XXXX of a trust administered by Truist Bank. I have made repeated written requests for a full trust accounting and related beneficiary information. Truist has refused to provide the accounting and has advised that I must obtain a subpoena in order to receive records that a beneficiary is entitled to receive. 

Truist has also indicated an intent to close the trust without providing transparency regarding trust assets, prior distributions, or fiduciary decisions. This conduct appears deceptive and abusive and inconsistent with a trustees obligation to provide clear, timely information to a beneficiary. 

I am requesting that the CFPB review Truist Banks handling of this trust account, including its refusal to provide accounting information and its communications directing a beneficiary to pursue court process rather than fulfilling fiduciary disclosure obligations.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a td bank account and someone use my card to buy stuff and I reported it and XXXX  XXXX  me credit to my account back and a few weeks later they took it back my account was on negative and now they lock it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My Venmo account has been frozen and funds withheld. 
The Account Specialist team has been reviewing the account for over 9 days i can confirm with no resolution or timeline provided.

I am requesting release of my funds or a written explanation with a specific resolution date. The date of the original transaction was XXXX XXXX. Its now XX/XX/XXXX with no resolution in sight. They asked for an ID and a picture of me holding it. I've sent that in 3 times yet if I talk to someone they ask for it again even though its on file. They have yet to email me to the correct email address after stating 5 times the email they have is wrong. My email is XXXX they have XXXX. I have stated this to them as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to formally dispute the reporting of collection accounts that are inaccurate and do not belong to me. I regularly review my credit reports and recently identified discrepancies that were not previously present. These accounts were reported without my knowledge or authorization.

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 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I filed a debit card dispute ( Claim regarding XXXX XXXX for {$2700.00}. I provided SoFi with critical new evidence proving the merchant committed a " Scrivener 's Error '' and " Deceptive Sales Practice, '' but SoFi closed the case on XX/XX/year>, without properly addressing this evidence. 
The Evidence XXXX Ignored : The merchant 's own dispute response ( which SoFi possesses ) contains a written admission from the Store Manager ( Page XXXX of the dispute file ) stating : " The salesperson showed the customer two of our biggest recliners, the XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX  '' This written admission proves that I was shown two different models, supporting my claim that I selected the larger model ( XXXX ) but the salesperson erroneously entered the code for the smaller model ( XXXX ) on the contract. 
The Violation : Despite receiving this " XXXX XXXX  '' evidenceand proof that I have filed a XXXX XXXX XXXX  complaint against the merchantSoFi sent a form letter denial stating the " matter is considered closed. '' SoFi has failed to conduct a " reasonable investigation '' under Regulation E by ignoring the merchant 's own admission of the sales mix-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: CA

Complaint narrative:
I previously lived at an apartment complex in XXXX XXXX, Georgia, called XXXX at XXXX XXXX, and moved out in XX/XX/XXXX. At the time of my move, I provided my forwarding address and confirmed that they had my correct phone number. I expected to receive written communication regarding any move-out charges or final account balance. 
I did not receive any correspondence by mail or email, so I believed my account had been properly closed. On XX/XX/XXXX, I received a credit alert indicating that an account had been placed in collections. Prior to this notification, I was never contacted by the apartment complex or by a collection agency regarding any outstanding balance. 
When I contacted the collection agency to request details about the alleged debt, I was informed that I would need to make a one-dollar payment by credit or debit card over the phone before they would provide any additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
There was an unauthorized transfer of {$3800.00} on XX/XX/XXXX at XXXX from my chime account. Sent to somebody I have never sent money to before, and it was the entire balance of my account. This happened after my cellphone service said SOS for several hours and I could not make or receive any phone calls. Attached are pictures of the charge, and what looks like a phone number that I have never seen linked to the account somehow, which has since been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Funds belonging to me were misdirected via ACH to a XXXX account belonging to another customer. XXXX correctly rejected and returned the funds to Chase. 

My Chase account is closed, and instead of issuing a manual disbursement, Chase continues allowing the ACH to be rejected, causing the funds to loop between institutions. 

I am requesting Chase accept responsibility as the originating bank and issue a manual payout ( paper check or one-time transfer to another bank ) and stop further ACH reattempts. 

This has caused unreasonable delay and lack of access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
REBUTTAL TO CITI RESPONSE : FORMAL ASSERTION OF CLAIMS AND DEFENSES Case # XXXX I am formally rebutting Citis denial dated XX/XX/year>. Citibank is incorrectly attempting to adjudicate this matter under 12 CFR 1026.13 ( Billing Errors ) and internal XXXX timeframes. I am not reporting a billing error ; I am formally asserting my rights under 12 CFR 1026.12 ( c ) ( Claims and Defenses ). 

Under federal law, a consumers right to assert claims and defenses against a card issuer for defective or misrepresented goods is not subject to the 60-day billing error window or XXXX  120-day rule. This right exists for up to one year from the date of the first statement, provided the purchase exceeds {$50.00} and occurred in the consumer 's home state. 

1. Fact : Material Misrepresentation & Breach of Warranty Jackerys marketing ( Exhibit B ) and technical manuals ( Exhibit C ) explicitly promise " XXXX XXXX '' ( retention of 95 % charge for 1 year ) and a " 30-day backup '' capability. 

However, in the attached correspondence ( Exhibit A ), XXXX XXXX XXXX admits the unit has a " normal '' idle drain of XXXX per hour. 

The Mathematical Proof of Fraud : A XXXX hourly drain equals XXXX per day. On a XXXX unit, the battery is depleted in XXXX days while doing nothing. 

The Violation : This represents a 9,000 % deviation from the XXXX standby capability advertised. This XXXX " normal '' drain is documented in writing by the merchant but is undisclosed on their website and in their manual. 

XXXX. Justification for Total Recovery of {$12000.00} Citi is legally obligated to make the consumer whole. This total includes the {$2000.00} installation fee. Because the hardware is fundamentally defective and incapable of performing the " whole-home backup '' function as marketed, the professional installation is valueless. I have relied on the merchants marketing and their recommended installers to my financial detriment. 

3. Final Assertion I made a good-faith effort to resolve this with XXXX on XX/XX/XXXX, XXXX following the XX/XX/XXXX professional installation. The merchants refusal to honor a refund for a product that fails to meet its own basic technical specifications is the exact scenario 12 CFR 1026.12 ( c ) was enacted to prevent. 

I expect Citibank to comply with federal regulations and immediately reverse the charges for this defective equipment and the associated installation costs.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
This is stressing me out. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
My account was closed the same day that my direct deposit from my job was posted. I live in a hotel with XXXX kids! Now I have no way to pay for my room or feed my children. SOFI is claiming fraudulent activity but I have used this account for XXXX  years the same way and have done nothing fraudulent. They are saying its going to take XXXX  days for me to he y money back! Its my money! I need to pay for my hotel room today or me and my kids will be homeless! And I will be contacting my lawyer thats paid for through my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card account is in collections on my credit report, but the reporting is inaccurate. I request that it be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
As I stated in a prior complaint that I filed in XX/XX/XXXX the manager of TD Bank deceived me about opening account that I could have got a credit a {$300.00} if I did it online. You have a complaint on file you can read it I'm not going to go through all this all again. What transpired was on XX/XX/XXXX i received a letter stating their findings just a bunch of lip service and then, on XX/XX/XXXX they sent me another letter this time stating that they are closing my account Within 15 days that'd be XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NY

Complaint narrative:
I am a medical practice owner ( MID : XXXX and MID : XXXX ) reporting unfair and deceptive business practices and unauthorized bank debits by XXXX XXXX XXXX ( a subsidiary of U.S. Bank ). 

The Issue : XXXX is in breach of a XXXX  Merchant Service Agreement which includes a 'Lifetime Rate Guarantee ' of 0.18 %. Recently, XXXX unilaterally increased my processing rates to ~5 % without a new signed agreement. 

Admission of Error : XXXX XXXX representative admitted in writing via email ( dated [ Date ] ) that XXXX has 'no executed merchant processing agreement, pricing addendum, or transition documentation on file ' to justify these increased rates. 

Failure to Validate : Despite this admission, XXXX continues to perform unauthorized ACH debits from my business bank account. When I demanded proof of authority for these new fees, XXXX provided only an illegible, unreadable document fragment that contained no signature or fee schedule. 

Regulatory Context : I have already initiated formal investigations with the XXXX Attorney General ( # XXXX ) and the XXXX  XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ). I am requesting the CFPB compel U.S. BankXXXX to cease unauthorized debits and issue a full refund of all overcharges since the breach occurred.

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