vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 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: WA

Complaint narrative:
I am filing this complaint against Citibank , N.A . ( issuer of the Best Buy credit card/ Best Buy Credit Services ) regarding their improper denial of a billing dispute. Account ending : XXXX Disputed charge : {$770.00}, Best Buy order XXXX ( XXXX XXXX XXXX XXXX XXXX, purchased XX/XX/year> ) Citi dispute reference : XXXX Denial letter date : XX/XX/year> Summary of the issue : I purchased a {$770.00} XXXX XXXX XXXX from Best Buy on XX/XX/year> and returned it. Best Buy confirmed receipt of my return on XX/XX/year> ( XXXX tracking number XXXX, confirmed on Best Buy 's own order portal ). The merchant has had the product in its possession for a month and has still not refunded me. I filed a billing dispute with Citi under the Fair Credit Billing Act and Regulation Z ( 12 CFR 1026.13 ), based on goods returned to the merchant that were not credited to my account. On XX/XX/year>, Citi denied the dispute, stating only that they were " unable to identify or determine that a billing error occurred. '' That conclusion is not supported by the facts. The merchant has acknowledged receiving the return. XXXX tracking confirms delivery. The merchant currently holds both the product and my money. That is, by definition, a billing error under 12 CFR 1026.13 ( a ) ( 3 ), which covers a creditor 's failure to credit returned goods. Citi 's investigation was deficient. A reasonable investigation would have included contacting the merchant and reviewing the tracking and return confirmation I provided. The denial letter offers no specific findings, no description of what evidence was reviewed, and no acknowledgment that the merchant confirmed receipt of the return. Telling me to write in to " appeal '' does not satisfy Citi 's obligations under FCBA. The burden is on the issuer to conduct a reasonable investigation, not on the cardholder to keep re-submitting the same evidence. Citi is also continuing to assess the charge against my balance and has warned in writing that they may report the account as past due if I do not pay. That further harms me for a charge I do not legitimately owe and which their own card protections exist to prevent. What I am requesting : 1. Citi reopen the investigation and conduct a proper FCBA inquiry, including direct contact with Best Buy regarding the confirmed return. 2. Issuance of a credit for the full {$770.00} disputed amount. 3. Removal of any related interest, fees, or late charges, and a hold on any negative credit reporting tied to this disputed amount during the investigation. 4. Written confirmation of the resolution. Citi 's role as the card issuer is to protect cardholders in exactly this scenario. They are not doing that job.

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 2026-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
My name is XXXX XXXX, I am a former customer of Capital One. I opened an account in Maryland in XXXX during my XXXX stay in the United States. When I left the U.S., a remaining balance stayed in the account. Since then, the account has been closed, but Capital One confirms that my funds are still held by the bank. I have made multiple attempts to retrieve my funds from outside the United States. Capital One has refused to transfer the money without my physical presence in the U.S. They issued checks twice : * One check was sent to a friend in the U.S. but expired before it could reach me. * Another check was sent internationally to XXXX but never arrived after nearly a year. At this point, I am unable to access my own funds due to unreasonable restrictions and failed delivery methods. Former U.S. Address : XXXX XXXX XXXX, XXXX, MD XXXX. Account Number : Ending in XXXX Social Security Number : Ending in XXXX Note : I can provide full identifying details through a secure channel if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this complaint because CitiBank refused to process a valid debitcard dispute for services not rendered, in violation of Regulation E ( 12 CFR 1005.11 ). On XX/XX/2026, I was charged {$64.00} on my debit card for a XXXX XXXX flight. The flight was scheduled for XX/XX/2026, from XXXX to XXXX, Flight XXXX XXXX, confirmation XXXX. On XX/XX/2026, XXXX XXXX ceased all operations and canceled all future flights, making it impossible for the merchant to provide the purchased service. When I contacted CitiBank to dispute the transaction as services not rendered, Citi refused to process the dispute at all. CitiBanks refusal The Citi representative I spoke with stated that Citi received notice from the merchant ( XXXX XXXX ) that Citi could not process disputes, and that I should refer to Spirit.com for more information. This response is unacceptable and improper. The representative I spoke with was named XXXX, employee ID XXXX. Citi did not open an investigation. Citi did not provide provisional credit. Citi did not provide a written explanation citing Regulation E. Why this is a violation Under Regulation E, a debitcard error includes situations where goods or services are not provided as agreed. Once notified of such an error, a financial institution must : Accept the dispute, Conduct an investigation, and Provide a written determination. A bank may deny a claim after investigation, but it can not refuse to process or investigate a dispute entirely, especially by deferring responsibility to a merchant that is no longer operating. Citis refusal appears to be a failure to comply with its obligations under 12 CFR 1005.11.

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 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
I reviewed my credit report and saw that Cavalry Portfolio Services LLC added a collection to my credit report in the amount of {$2300.00} without this alleged debt being validated. I am unaware if the details or specific amount regarding this debt is accurate or even belongs to me. I sent a certified letter on XX/XX/XXXX requesting debt validation. They signed for the certified letter on XX/XX/year>. To date they have not sent me any information to validate the alleged date but it still remains on my credit report. With the certified letter for validation, I also sent a cease and desist letter which I informed them to communicate with me by mail only and to stop contacting me on my personal phone or at my place of employment. I am still receiving phone calls from Cavalry Portfolio Services LLC after they received my Cease and Desist letter. This company has reported the alleged debt to the credit reporting agencies without validating the alleged debt and have not sent me any information I requested to validate it. They are also still contacting me via my personal phone number after Cavalry Portfolio Services LLC received my Cease and Desist letter. I believe Cavalry Portfolio Services LLC is violating my rights under the FDCPA by failing to provide the requested information to validate the alleged debt and by continuing to call me after receiving the Cease and Desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
Company : Transworld Systems Inc. Account Name Reported : XXXX XXXX XXXX Account Number : XXXX Amount : {$810.00} Complaint Description I am filing this complaint regarding a collection account reported by Transworld Systems Inc. that I do not recognize and do not believe is mine. I am not aware of this debt, I do not know who the alleged original creditor is, and I do not recall entering into any agreement that would result in this obligation. The account was reported as opened on XX/XX/year>, with a balance of {$810.00} and is being reported as past due, but no supporting documentation has been provided to substantiate the claim. Despite this account being reported to consumer reporting agencies, I have not been provided with : Proof that I incurred or agreed to this debt The identity of the original creditor A complete payment history or itemization of the balance Documentation showing Transworld Systems Inc. has the legal right to collect or report this account Reporting an unverified and unknown debt is inaccurate and has negatively affected my credit profile. I respectfully request the CFPBs assistance in ensuring my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
" I am disputing a charge for a blacklisted XXXX purchased on XXXX. The device is 'Significantly Not As Described ' as it is unusable on any cellular network. Following XXXXXXXX XXXX instructions, I attempted to return the item to the seller using their provided address. However, XXXX officially documented the address as 'undeliverable ' and 'invalid. ' I have provided Synchrony Bank with the tracking proof and an official XXXX statement confirming the failed delivery attempt. Under the Fair Credit Billing Act, my duty to return the item was fulfilled when I attempted delivery to the merchant 's provided address. Synchrony continues to hold me liable for this fraudulent transaction despite this evidence. I am requesting a full reversal of the charge and any associated interest. '' I have also filed a complaint on IC3.gov if any info is needed. I have all records showing tracking, XXXX email stating the reason for return and I have an email from the XXXX XXXX XXXX where I sent the package stating the XXXX XXXX XXXX XXXX doesn't live there.

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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Subject : Identity Theft, Data Breach Exposure, and Inaccurate Credit Reporting I am submitting this complaint to report identity theft and the presence of inaccurate, unverifiable, and unauthorized information on my consumer credit profile. I recently received alerts indicating that my personal information was exposed in a data breach. After reviewing my credit reports, I discovered multiple accounts, names, addresses, phone numbers, collections, late payments, and other derogatory marks that I do not recognize and did not authorize. These items are not mine, and I have no knowledge of or involvement with them. As a result, I believe I am a victim of identity theft. Specifically, my credit profile contains : - Unauthorized accounts and collections- Inaccurate personal identifying information ( names, addresses, phone numbers ) - Late payments and derogatory marks that are not associated with me- Information that is unverifiable and does not belong to me I am requesting the following actions : XXXX. A full investigation of all disputed items under the Fair Credit Reporting Act ( FCRA ) XXXX. Immediate blocking and removal of all fraudulent accounts and inaccurate information related to identity theft XXXX. Verification of all remaining accounts, with removal of any information that can not be properly verified XXXX. Correction of all personal identifying information to reflect only accurate and authorized data I also request that all furnishers of this information provide proper documentation proving that the accounts and data belong to me. If they can not do so, the information must be removed. Please note that I am prepared to provide any necessary documentation, including an identity theft report and supporting evidence, upon request. I expect this matter to be handled promptly and in full compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Block, Inc.
State: TN

Complaint narrative:
* * Complaint Against Cash App ( Block , Inc. ) Account Closure Without Justification * * I am filing a complaint regarding the sudden closure of my Cash App account, which I have maintained for many years with minimal and entirely legitimate usage. Upon attempting to use the account, I was informed that it had been closed due to alleged gambling or other activity in violation of the Terms of Service. This assertion is both confusing and concerning, as I have never used Cash App for gambling or any similar activity. My account activity consisted almost entirely of small, consistent personal paymentsapproximately {$75.00} per weekto a XXXX family member for childcare, with clear memo descriptions. There are no transactions involving gambling, gaming services, or any activity that would reasonably fall under prohibited use. On XX/XX/year>, I submitted an appeal through Cash Apps in-app support after being notified of the account closure. On XX/XX/year>, I received notice that my appeal was denied without any additional explanation or clarification. On both XX/XX/year> and XX/XX/year>, I contacted Cash App through their in-app chat-based support channels to request further information. During my follow-up communication on XX/XX/year>, while actively discussing the situation, the support representative ended the chat session before my concerns were resolved. I requested clarification on the specific reason for the closure, including what activity was identified as gambling or other prohibited activity. I also asked whether the decision was based on my direct transaction history or due to a potential association with another account, as well as whether there were any identity verification or account linkage issues. I requested a review of my account activity and an explanation of what, if anything, I could do to resolve the issue. The company provided only a generic statement citing a Terms of Service violation and did not answer my specific questions or provide meaningful clarification. Given the lack of transparency and the absence of any identifiable violation in my account history, I am requesting a formal review of this decision and clarification as to whether this action was based on my own activity or an indirect association or error. I am seeking a fair review and a clear explanation of the basis for this account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint regarding unauthorized transactions, improper dispute handling, and resulting credit reporting damage on my XXXX XXXX XXXX account issued by Synchrony Bank. In XX/XX/XXXX, I made a legitimate purchase through XXXX and subsequently closed my XXXX account. After closing the account, I reasonably believed no further transactions would occur. However, the following unauthorized charges appeared on my account : - XX/XX/XXXX : {$76.00} - XX/XX/XXXX : {$76.00} I reported the first unauthorized transaction to Synchrony Bank in XX/XX/XXXX and clearly stated it was not authorized. Despite this, Synchrony Bank failed to prevent the second transaction from occurring. After I reported the issue, I was informed by a manager ( XXXX, Employee ID XXXX ) that she was the highest level of complaint escalation and that no further escalation was possible. I was not informed of any external regulatory escalation options. I also no longer have access to my closed account, which prevented me from resolving the dispute through the online system. As a result, Synchrony Bank continued billing and reported the account as seriously delinquent, causing significant damage to my credit report and credit score. This has negatively impacted my ability to obtain financing, insurance, and other financial services. The bank failed to properly investigate the dispute, failed to stop additional unauthorized charges after notification, and continued to report negative credit information while the dispute was active.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I shop at a XXXX grocery store near my home. Each time I go to check out, my card is not authorized. I spend 20+ mins each time speaking with customer service to unlock my card. They ask me to tell them ALL of my personal info audibly while Im in public and will not help me otherwise. I have explained that I shop here regularly and ask them to stop the blockage, but it continues to happen. I believe I am due reimbursement for the time and groceries.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: OK

Complaint narrative:
Cash app just close my account four or five months ago. I tried to find out the exact reason why and all I was told was there was suspicious activity on my account. I have never done anything fraudulently or anything like that. And because they would not give me exactly what happened, I dont really know for sure. All I am wanting to do is reopen my cash app account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I didnt not give consent to the dealership to run my credit verbal or signed

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 2026-05-03 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: FL

Complaint narrative:
On XX/XX/year>, starting at approximately XXXX someone started to make the following money transfers from my bank account via Cash App. $ {$62.00}, {$63.00} XXXX, {$950.00}, {$1000.00}, {$1200.00} and {$1500.00} for a total of {$5000.00}. Upon noticing these transactions, I immediately contacted my banking institution and Cash App and submitted a complaint with both institution 's fraud departments. I closed my account with Cash App, and I also cancelled the debit card from my bank that was connected to Cash App. Even after I cancelled my bank debit card, someone was still trying to transfer money through Cash App, but my bank was declining the charges. Whoever was responsible also changed my email address to a different one and then changed it back. I have kept in constant contact with Cash App customer service via phone and their management team via email because they do not provide a phone number to speak to someone directly in management. To this date Cash App management just keeps telling me the same thing, that they are working on it and it's a priority of theirs. They tell me it should only take 10 days to resolve the matter. Well, as you can see it has been 10 days several times over. I need some help in trying to recoup the money that was fraudulently taken from me. I have documentation from my bank and Cash App if it becomes necessary for me to submit to substantiate my claim. Thank you in advance for any assistance you may provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/year>, I applied for a Home Depot credit card in the store, I was notified I was approved, received a letter at the store and by email with card information. Then, when I attempted to use the card, it was declined, citing they needed additional identification information. I called the number provided, spoke to XXXX agent, and then was transferred to a " consumer protection '' specialist. They stated I would send me something to verify my identity and then hung up on me. I called again and spoke to an agent who said he was unable to reach the XX/XX/XXXXdepartment and gave me their direct number. When I called back to that number, I reached the same agent, who asked that I try calling the consumer protection number XXXX more time. I called for the XX/XX/XXXX time and spoke to an agent who was not in consumer protection, and who then connected me to the consumer protection department. This agent said that at some point I might receive a phone call or a letter at some point in the future for " bank verification '' and then I could use the card. I asked to speak to a supervisor, who again stated that the card couldn't be used until some unspecified point in the future after some sort of bank verification that she could not identify the purpose of. The in-store advertising states the credit can be applied for and used immediately, the letter I received said the credit could be used immediately. These practices seem patently fraudulent to extend credit, and then refuse to allow it to be used. If there is a XXXX day waiting period- it needs to be expressly and clearly communicated. Citi should be stopped from false advertising and faudulently extending credit that can not be 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 non-monetary relief