vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
CFPB Complaint Issue : Goldman Sachs is misclassifying an unauthorized transaction as an authorized merchant dispute, in violation of Regulation Z and XXXX XXXX Liability. Details : I am disputing two Apple Pay transactions totaling {$2700.00} that occurred in XXXX on XX/XX/year>. My XXXX XXXX was stolen inside a bar, and the thief used the device to make two transactions without my knowledge or consent. I did not authenticate these transactions, did not provide my passcode, and did not authorize anyone to use my device. I reported the theft and unauthorized transactions immediately. I filed a XXXX XXXX report ( Reference No. XXXX ), which confirms the theft and unauthorized use. I provided this report and a detailed written statement to Goldman Sachs at their request. Despite this, Goldman Sachs continues to classify the transactions as authorized because a device token was used. This is a misclassification. Under 12 CFR 1026.12 ( b ), a cardholder is not liable for unauthorized use of a lost or stolen device when timely reported. Under XXXX XXXX Liability, a cardholder is not responsible for transactions made with a stolen device when no PIN or biometric authentication was provided. Goldman Sachs is treating this as a merchant dispute instead of unauthorized use following theft, which is inconsistent with federal law and XXXX rules. I am requesting regulatory review and correction of the misclassification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I am submitting this complaint regarding Cash App 's denial of reimbursement for funds lost due to a documented scam involving ongoing deception and multiple induced transactions. Between XX/XX/scrub> 2026 and XX/XX/scrub> 2026, I was the victim of a single, continuing fraud scheme. The scammer used repeated misrepresentations and psychological manipulation over several days, instructing me to transfer funds from my checking account to Cash App, which were then transferred to XX/XX/XXXX These transactions were not isolated decisions, but part of an ongoing deception in which I reasonably believed the transfers were legitimate at the time they were made. The scam involved escalating payments, beginning with small test amounts and increasing to larger transfers, which is consistent with known scam behavior. The total amount lost was {$4900.00}, consisting of the following induced transactions : XX/XX/year>2026 : {$2800.00} XX/XX/year>2026 : {$1500.00} XX/XX/scrub> 2026 : {$510.00} Once I realized I had been scammed, I promptly reported the fraud to my bank and CashApp. Despite providing detailed information, my bank denied my claim on the basis that the transactions were authorized, without adequately considering that authorization was obtained through deception and fraud. This matter has been formally reported to the Federal Trade Commission ( FTC ) and the Federal Bureau of Investigation ( FBI / XXXX ). These reports confirm that this was a financial crime, not buyers remorse or a simple payment dispute. I am requesting that my bank reopen and properly review my fraud claim as a single continuing scam event, consider the documented FTC and FBI reports, and reassess reimbursement under consumer protection standards for fraud induced by deception. I am asking the Consumer Financial Protection Bureau to assist in ensuring that my bank conducts a fair and thorough review of this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
My Blockchain wallet was restricted for no good reason since XXXX XX/XX/year>, I have been contacting the company support for years now they refused to release my funds the amount is {$15000.00} dollars. They have been scamming people for years now without any explanation, a lot of people are still trying to get their money back from Blockchain.com please help me out I dont want to lose my hard earned money to this fraud company, I look forward to hear good news on this matter. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) I am filing this complaint against Cash App, operated by Block , Inc., for wrongfully withholding my funds after closing my account without proper resolution. My Cash App account was recently closed without clear explanation. At the time of closure, I had a remaining balance of approximately {$3900.00} in my account. Since then, I have made multiple attempts to withdraw my funds to my linked bank account, but every attempt fails with the message Something went wrong. Please try again. I have contacted Cash App support more than XXXX times through both the app and email, but I have not received any meaningful assistance or resolution. They have not provided a clear reason for restricting my withdrawal or a timeline for releasing my funds. This situation is causing me serious financial hardship. I currently need access to these funds to pay my rent and avoid eviction. Cash Apps refusal or failure to release my money is directly impacting my ability to meet basic financial obligations. I am requesting the following : XXXX. Immediate release of my remaining balance to my linked bank account or by alternative method. XXXX. A clear explanation of why my account was closed and why my funds are being withheld. XXXX. Prompt resolution of this matter due to the urgent financial hardship it is causing. I have attached documentation showing the failed withdrawal attempts and my account balance. This matter is urgent, and I respectfully request that the Consumer Financial Protection Bureau assist in ensuring that my funds are returned without further delay. Name : XXXX XXXX Cash App Cashtag : XXXX Email associated with account : XXXX Phone number associated with account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Finance company refuses to send needed letter to close out claim. Finance company assigned a fake person named XXXX XXXX who is an AI bot. Finance company refuses to provide answers to resolve claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am submitting a complaint regarding a cash back promotion offered through my Wells Fargo credit card under the My Wells Fargo XXXX program administered by Wells Fargo. The promotion offered XXXX XXXX cash back on a grocery purchase, up to {$9.00}, with a one-time use limit. On XX/XX/year>, I placed a grocery order at XXXX XXXX XXXX totaling over {$100.00} with the intent of meeting and exceeding the promotional threshold. Upon arrival for pickup, several items were out of stock, reducing the processed pickup order to {$79.00}. Store staff instructed me to purchase replacement items in-store during the same visit. As a result, the purchase was split into XXXX transactions : {$79.00} ( adjusted pickup order ) {$20.00} ( in-store replacement items ) Both transactions occurred on the same day and during the same shopping visit, and were caused by a merchant fulfillment issue outside of my control. The promotion was applied to the {$20.00} transaction, resulting in a {$2.00} credit, and the offer was then marked as fully redeemed. The larger transaction, which represented the primary portion of the original purchase, was not included. I contacted Wells Fargo multiple times regarding this issue. The matter was escalated to XXXX XXXX, and I received a written response dated XX/XX/year>, stating that the offer had already been used. The response did not address the fact that the original qualifying purchase exceeded {$100.00} or that the transaction was split due to merchant-related inventory issues. Despite escalation attempts by phone, I was unable to reach a representative who could review the transaction beyond the standard system outcome. The final determination relied solely on whether the promotional credit had already been applied once, without consideration of transaction context. My concern is not a misunderstanding of the promotional terms, but that the review process failed to account for a common real-world scenario in which a single qualifying purchase is split due to merchant fulfillment issues. In effect, the promotionmarketed as a straightforward spend-based rewardwas applied in a way that does not reflect the original qualifying purchase or the total intended spend, which was outside of my control. This situation also highlights a broader concern that the escalation and review process does not provide a meaningful mechanism for exception handling in cases involving merchant-caused transaction splits and clearly qualifying spend. Thank you for your review.

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 2026-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of a credit account listed as XXXX XXXX XXXX XXXX XXXX Synovus Bank XXXX XXXX This account is being reported differently across all three credit bureaus ( XXXX, XXXX, and XXXX ), with conflicting account names, payment histories, and reporting dates. The inconsistencies include missing months in the payment history, duplicate dates assigned to different months, and irregular reporting patterns that do not align with standard billing cycles. For example, certain months show no data available, while other months reflect identical dates across multiple reporting periods. Additionally, the account appears under different creditor names across bureaus, raising concerns about whether this is the same account and whether it is being accurately reported. I have disputed this information, but the inconsistencies remain unresolved. This inaccurate and inconsistent reporting is negatively impacting my credit score and is affecting my ability to obtain mortgage financing. I am requesting a full investigation into the accuracy of this account across all credit bureaus. If the information can not be verified as complete, consistent, and accurate, I request that it be corrected or removed in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
I attempted to apply for residency at an apartment and was denied due to a debt that was on my credit report that I do not owe and was never contacted about. Upon further inquiry, I found out that an apartment complex I lived in XXXX years ago had reported I owed {$1000.00}, which has since accrued interest and shows a balance owed of {$1300.00}. I immediately called the apartment complex ( XXXX XXXX XXXXXXXX XXXX ) and confirmed that not only was there no debt owed, but my roomate also received our security deposit back. The manager of the apartment complex sent me an email on XX/XX/year>, with a XXXX page ledger attached which indicates no balance owed, and also stated in the email that she would be having the account removed from their collections database and from any report of a debt on my credit reports. This has yet to be removed and I am still unable to get approval to move into a new apartment and has cost me significant monetary loss as I am having to stay in a hotel or Airbnb until I can get this debt removed and apartment application approved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A Capital One account is being reported on my credit report by XXXX XXXX collector XXXX XXXX XXXX XXXX XXXX XXXX I sent XXXX ( XXXX ) formal certified mail notices to XXXX XXXX demanding debt validation under 15 U.S.C. 1692g : a Debt Validation Request, a Notice of Fault and Opportunity to Cure, and a Notice of Default and Final Statement. XXXX XXXX failed to provide any legally sufficient validation or verification. Their only response consisted of templated billing statements, which do not constitute validation under law. Despite this administrative default, XXXX XXXX sent a settlement offer dated XX/XX/year>, constituting continued collection activity on an invalidated, unverified debt in violation of 15 U.S.C. 1692g ( b ). I am requesting that First Source Advantage mark this debt an invalid and remove it from my credit report, as the underlying debt has been invalidated by the collector 's failure to validate and the information can not be verified as accurate or complete per FCRA 611 ( a ) and 623 ( b ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Date:XXXX From XXXX XXXX XXXX Dear Sir or Madam, Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the above-referenced account. You are instructed to immediately stop all forms of contact, including but not limited to : Telephone calls Emails Text messages Letters or mail correspondence Contact through third parties Under federal law, you may only contact me further to : 1 Advise that your collection efforts are being terminated ; 2 Notify me that you may invoke specified remedies ; or 3 Inform me that you intend to pursue a specific legal remedy. Any additional communication beyond these limited exceptions will be considered a violation of the Fair Debt Collection Practices Act and may result in legal action. Additionally, if this debt is being reported to any credit reporting agency, you are required to ensure that all reporting is accurate and not misleading. Any inaccurate reporting will be disputed. Please confirm in writing that you have received this notice and will comply with its terms. Sincerely, 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 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/year> To : CFPB RE : Follow up about Citibank Complaint # XXXX Today, XX/XX/year> I received a letter from Citibank stating that I needed to refund them a second payment of {$5000.00} to my sons account. Attached please find all the proof that this second payment to my sons XXXX Credit card did not happen. The only other transfer to my son 's account was a balance transfer from XXXX XXXX XXXX for {$2000.00}. I have attached my statement from my Citibank XXXX Account that states the transfer made. Also attached are all the screen shots from my sons XXXX account. I believe that Citibank is engaging in unfair business practices and are causing extensive emotional distress to my family. Please investigate. If you need to contact me, I prefer it be via email at XXXX. Thank you for your help. Respectfully, 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 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
I have no accounting of having an XXXX XXXX XXXX account that accumulated a balance of {$1100.00}. At this time I request a copy of my contract and any accounting to show proof of this balance. I also need a copy of the assignment of debt based upon recent XXXX Attorney General guidelines. Your collections need the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the NMLS. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding New American Fundings failure to comply with federal law under the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 U.S.C. 2605 and 12 C.F.R. 1024.36. On XX/XX/year>, I sent a Qualified Written Request ( QWR ) and Request for Information ( RFI ) to New American Funding concerning my mortgage loan. This request sought information relating to the servicing and ownership of the loan, including identification of the current owner of the promissory note and documentation supporting authority to service and enforce the loan. The request was received and confirmed via certified mail on XX/XX/year>. Under federal law : New American Funding was required to acknowledge receipt within five ( 5 ) business days ( deadline : XX/XX/year> ) ; and Provide a substantive response within thirty ( XXXX ) business days ( deadline : XX/XX/year> ). As of today, XX/XX/year>, New American Funding has : Failed to provide any proper acknowledgment of receipt ; Failed to provide any substantive response to the QWR/RFI ; Failed to identify the owner of the loan as required under 12 U.S.C. 2605 ( k ) ( 1 ) ( D ). Additionally, I made a direct call to the alleged servicer to address the noncompliance, and despite that communication, no corrective action or response has been provided. This constitutes a clear violation of RESPA and Regulation X, including but not limited to : 12 U.S.C. 2605 ( e ) ( failure to respond to borrower inquiry ) ; 12 U.S.C. 2605 ( k ) ( 1 ) ( D ) ( failure to provide owner information upon request ) ; 12 C.F.R. 1024.36 ( failure to respond to Request for Information ). This failure has caused actual harm, including : Time and resources expended to enforce statutory rights ; Administrative and mailing costs ; Inability to verify loan ownership and authority, interfering with financial planning and decision-making.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Complaint Against Synchrony Bank I am submitting a follow-up complaint regarding Synchrony Banks reporting of inaccurate information. My previous complaint is XXXX submitted on XX/XX/XXXX. Synchrony claims that multiple payments were returned by my bank, which led to negative reporting and charge-off status. However, I have obtained official written documentation from my bank confirming : No ACH debit attempts were ever made by Synchrony, and submitted this evidence as part of the complaint referenced above. No payments were returned by my bank. No account restrictions or insufficient funds existed. Sufficient funds were available on all relevant dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This directly contradicts Synchronys claims. Despite this, Synchrony has : Failed to provide any documentary evidence supporting their assertions Relied on generic statements instead of proof Continued reporting derogatory information This raises serious concerns that no reasonable investigation was conducted. I am requesting that Synchrony : Provide verifiable evidence of the alleged returned payments ( ACH records, return codes, and transaction logs as well as any other evidence they are relying on ) Correct or delete any inaccurate information reported to the credit bureaus Conduct a proper investigation as required under the Fair Credit Reporting Act At this point, the issue is no longer a simple disputeit is a matter of inaccurate reporting and it is unsupported by any verified evidence. I have attached my banks letter again as supporting documentation. In my previous complaint, I transmitted the referenced letter as well evidence of my payments and received notifications, including a negative balance after closing the account. I am also submitting that last letter again. Please note that this letter indicates a NEGATIVE balance and confirmation that the account was closed. The negative balance was because the person accepting the payment also submitted a reversal of a late fee at the same time. I request that this matter be reviewed thoroughly and that Synchrony be required to substantiate its claims with evidence or correct the reporting. Sincerely, 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