vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I am submitting this complaint against Best Buy and Citi Bank regarding an unresolved refund of {$21.00} owed to me following the cancellation of my Best Buy Total membership. I canceled my Best Buy Total membership after my position was eliminated and I became unemployed. Upon cancellation, I was informed that a refund of {$21.00} would be issued to my Best Buy credit card, which is issued by Citi Bank. However, Citi Bank canceled that credit card prior to this refund being processed, due to infrequent use a decision made by the card issuer, not by me. Since XX/XX/year>, I have made repeated phone calls to Best Buy customer service attempting to resolve this matter. Despite those efforts, no one has been able to provide me with a satisfactory resolution or a clear explanation of how I will actually receive my refund. During one of those calls, I was given incorrect information and instructed to visit the Best Buy store in XXXX, Georgia in person. That store is a XXXXminute drive from my home. Upon arrival, store staff informed me that what I had been told by phone was not Best Buy 's policy. I was given no assistance and left without a resolution. I have since continued to contact Best Buy by phone. Citi Bank has confirmed to me on multiple occasions that no refund has been posted to my account. Best Buy has been unable to explain why a refund would be directed to a credit card that has been canceled, or how I am expected to receive those funds. My concerns are as follows : 1. Best Buy has retained {$21.00} that is rightfully owed to me since at least XX/XX/year>. 2. I was given false information that caused me to make an unnecessary and time-consuming trip to a retail location. 3. No alternative refund method such as a check or bank transfer has been offered, despite the fact that the original payment method is no longer accessible. 4. I have been unable to reach a resolution through repeated good-faith efforts over more than two weeks. I am requesting that Best Buy be required to issue my {$21.00} refund immediately via check or another method that does not depend on a canceled credit card account, and that this matter be investigated to ensure other consumers are not experiencing the same treatment. Thank you for your attention to this matter.

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 2026-05-21 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 filed the dispute back in XXXX about how a mechanic shop didnt do the work they said they work was faulty upon immediate inspection the truck blew up first drive I had dates receipts proving that the shop committed fraud including false dates that I proved with text communication through the shop and had other mechanic shops review the original mechanic work and provided details stating the work the mechanic didnt do and did improperly I provided text messages of the original mechanic stating he was going to refund bestbuy card then blocking me I had receipts of improper timelines unauthorized miles driven I gave them everything pictures copies and then then bestbuy citi visa states they never got the proof first I mailed it second I faxed it then I faxed it again each time I was never properly notified my dispute was denied each time I find out from my credit taking a drastic hit. I have called spoken with mangers this falls under their policy of coverage and I keep getting run around by different people with no solution. They tell me they will state on my profile to call me if they need more proof or something else yet I get no calls no emails the only emails I get is to spend more money on my credit card

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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: WA

Complaint narrative:
I have always used Cash App to fund my basketball team as well as daily needs and etc from my family and friends, Cash App did not give me any reason as to why its closed they just keep saying I violated the terms which is not true. It was easiest platform for me to use with students and staff and family and now I can not even access my account at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: VA

Complaint narrative:
Cash App/Block , Inc. denied my dispute involving a {$500.00} unauthorized transaction despite evidence showing I was incarcerated at the time the transaction occurred and therefore could not have personally authorized or initiated the payment. The companys investigation focused primarily on procedural issues such as the timing of reporting and identity verification instead of the actual evidence of fraud and identity theft. I also filed a police report regarding the unauthorized activity. Cash App has failed to explain : - how I could have authorized the transaction while incarcerated, - whether another device or IP address accessed the account, - or why related transactions from the same timeframe were treated inconsistently. Their responses repeatedly state that the decision is final without meaningfully addressing the evidence submitted. Cash Apps denial is unreasonable because I was incarcerated at the time of the disputed transaction and did not have access to my phone, account, or normal financial activity. Your response states the transaction was considered authorized because it occurred outside the timeframe in which my device was reported lost or stolen. However, while incarcerated, I was not in possession of my phone and did not have the ability to monitor my account activity or promptly report unauthorized access. My incarceration records establish that I could not have personally initiated or authorized the {$500.00} transaction. In addition, I filed a police report regarding the fraudulent activity. It is also inconsistent that smaller unauthorized transactions from the same timeframe were refunded while this larger transaction was denied despite arising from the same pattern of fraud. I request a full reinvestigation including review of : - incarceration records, - police report documentation, - login/device/IP activity, - and related refunded fraudulent transactions from the same period. I continue to dispute this transaction as unauthorized and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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 filing a complaint regarding Cash Apps failure to properly resolve a refund dispute involving a {$15.00} transaction sent to an account that is no longer active or accessible. I attempted to resolve this issue directly with Cash App support multiple times over the past XXXX weeks and was repeatedly given conflicting information, delayed responses, and generic automated replies. I initially requested a refund for the transaction after realizing the recipient account was invalid or nonfunctional. Despite explaining the situation clearly to several support representatives, I was repeatedly transferred between agents without resolution. At one point, I was told the refund request was still under review, while later another representative stated the dispute had already been denied without any prior notification being sent to me. Cash App also instructed me to send another payment to the same account in order to request a refund again, which is unreasonable and does not resolve the original issue. I made multiple attempts to resolve this matter in good faith, but Cash App failed to provide consistent communication, a clear explanation for the denial, or a proper resolution. I am requesting : A full refund of the {$15.00} transaction A formal review of how this dispute was handled Clear written communication regarding the denial and investigation process Improved customer support practices regarding transaction disputes and inactive accounts I have screenshots and chat records documenting my communication attempts and the inconsistent responses provided by Cash App support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding Cash Apps refusal to properly investigate and protect me after I used my Cash App account to pay for multiple purchases through XXXX that were either incomplete, never delivered, or materially different from what was promised. The total amount I lost is approximately {$4300.00}. Despite providing extensive evidence proving the seller admitted fault and acknowledged that my orders were incomplete, Cash App repeatedly denied my attempts to dispute these transactions and failed to provide any meaningful consumer protection. I uploaded substantial documentation and screenshots showing the seller openly admitting : - Orders were incomplete - Items were missing - Shipments were being withheld - Refunds were owed - The company was experiencing operational problems- They wanted me to cancel disputes while promising future compensation The seller repeatedly acknowledged that : - Large portions of products were missing - Some orders were never properly shipped - Customs issues allegedly prevented fulfillment - I deserved refunds- They intended to make it right later Despite all of this evidence, the seller failed to provide proper supporting documentation to dispute my claims, and in many instances failed to meaningfully respond at all. This should have been an open-and-shut case in my favor. Instead, Cash App denied my disputes multiple times and has effectively left me without protection while I remain out thousands of dollars for products I never properly received. Attached are screenshots of conversations with the seller directly admitting the issues with my orders, incomplete shipments, and refund obligations. These messages clearly demonstrate that my claims were legitimate and supported by direct admissions from the merchant themselves. I am requesting that this matter be formally investigated and that Cash App be held accountable for failing to provide proper dispute resolution and consumer protections despite overwhelming supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: AR

Complaint narrative:
Ive already sent all of this on XX/XX/XXXX. I didnt dispute against XXXX XXXX firm for {$3500.00} the same day they denied it. On XX/XX/XXXX I did an appeal and its still in process even though Ive located the money through the XXXX through the other bank, the other parties bank I will attach all emails and all documents they went above and beyond against the law and regulations E I need to return my money or give me provisional credit immediately considering the money is supposed to be there already. I expect some help here please dont let these people get away with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
On Thursday XX/XX/XXXX at XXXX XXXX my XXXX XXXX XXXXXXXX check was posted to my cash app account the same way it has been for 2 years. It was immediately rejected and returned to soc ial security. I called to find out why and was told that they changed my account numbers. I told them this can't be.trie.because the money came to the same account it was just sent back. They would not tell me why and when I asked for management i.was told no.i called so c ial security to try and have account numbers changed and was told this is not something I can do on the m phone that I would have t o go to their office. We'll they can't see me until XXXX!. Of course I'll be.going in.anyway. This has caused my family great hardships with no money to buy food, and pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: KY

Complaint narrative:
I have a case already open. CFPD sent my case to FDIC. After FDIC reviewed it, they emailed back saying CFPD are the responsible party to look into the case. Its becoming a headache and it causing emotional XXXX. Who has the answer to this case?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
Ok om last month around XX/XX/XXXX someone hacked my account in the XXXX of the XXXX and took all my money out of my account, I gave a XXXX XXXX account and I have a cash app account attached to it. Someone hacked my cash app and pulled the money from my XXXX XXXX account through cash app. I disputed those transactions immediately with cash app and varo. Initially my disputes were denied. So I went back and appealed the disputes. Cash app granted me my money back on one of the disputes and denied the other two even though all three transactions were taken by the same person. They told me that that's the best they can do and for me to contact my other bank which is XXXX. XXXX denied my claims as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Zales sneakily retroactively charged my account for XXXX XXXX of interest. Then proceeded to charge such a high interest rate my payments barely covered the interest. When I finally found out what was going on my account had nearly doubled, a XXXX after making every payment. They are crooks. And trick you into paperless settings when you sign up for re occurring payments. I called to explain to XXXX, a supervisor employee # XXXX and told her I was never told this and that the paperless statements were so sneaky that I never seen that the new balance was added. In fact I thought it was fraud. I figured someone hacked my card and spent XXXX $ on jewelry. They are crooks and after a XXXX and no paper statements I was retroactively charged and extra XXXX $ to my account. My payments varied for some reason but were usually around XXXX $ and were taken out automatically from the comedies website. When I finally was able to dig into the account to see why the balance wasn't going down, I realized they were taking my payment, but charging XXXX $ each month in interest. So my balance since XXXX never went down. Just up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-23 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: Bridge IT, Inc.
State: FL

Complaint narrative:
I am formally disputing the BRIGITXXXX account currently reporting on my consumer file. I do not recognize this account, did not authorize it, and deny any responsibility for the alleged obligation and related late payment history being reported. The reporting appears inaccurate, inconsistent, and unverifiable. The account reflects multiple XXXX late payments extending across several reporting periods despite no competent evidence establishing ownership, authorization, or contractual liability. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ( b ), I demand : Immediate reinvestigation of this account Complete method of verification Original signed agreement/application Full payment and transaction history Identity verification records used to open the account IP/device access logs Proof of permissible purpose Documentation establishing lawful authority to furnish this data Copies of all records relied upon during the investigation Please note that automated verification or database matching alone does not satisfy the FCRA requirement for a reasonable investigation . Because this account and its reported late payments are disputed in their entirety, continued reporting of inaccurate derogatory information may constitute negligent or willful noncompliance under federal law. I have already initiated a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding this matter due to the continued reporting of disputed and potentially inaccurate information. If you can not provide competent documentary evidence fully validating this account and each reported late payment entry, I demand immediate deletion from all consumer reporting agencies without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This complaint is for Bridgecrest. What the company is reporting as my balance, or principal balance is incorrect, on all 3 credit bureaus. XXXX just notified me of a completed dispute and it shows that my balance was {$8600.00} and now it's {$9000.00} as of XX/XX/year>. With last pmt ( they show in report is XX/XX/year> ). My payment is due on XXXX of each month. And it is on autopsy. XXXX, and XXXX both have different last reported dates and amounts. And all of this is causing my credit score to go back down. They have been reporting correctly up until 2 months ago. I do not hold the 3 credit bureaus responsible because they only put in our reports what the company provides them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: NH

Complaint narrative:
i am not liable for this debt with XXXX XXXX, i do not have a contract with XXXX XXXX XXXX. they did not provide me with the original contract as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
- Im writing to file a complaint against XXXX XXXX Caine & Weiner for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Carter-Young, Inc.
State: TN

Complaint narrative:
Carter-Young , Inc. is violating the FCRA and FDCPA by reporting an unverified {$640.00} collection balance for physical property damages from XXXX XXXX XXXX XXXX The apartment property changed ownership, and the current company lacks the historical accounting records, original lease, and security deposit ledgers required to verify this balance. As confirmed by my XXXX credit file, the date of first delinquency is XX/XX/XXXX. Under Tennessee law T.C.A. 28:3:105, the strict 3-year statute of limitations for property damage entirely expired on XX/XX/XXXX. Carter-Young is actively refreshing this account ( most recently reported on XX/XX/XXXX ) to make it look brand new, which is a deceptive collection practice. I previously disputed this unverified data, but Carter-Young failed to conduct a reasonable investigation and continues to report it. This illegal reporting directly caused my housing displacement, resulting in temporary homelessness and forcing me to live on my college campus to survive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation