vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding unauthorized account activity and financial loss on my Crypto.com account. This incident occurred on my first or second day of using the platform. After making a few simple beginner transactions which include XXXX deposits, my account began executing dozens of rapid back-to-back crypto swaps that I did not authorize.The activity occurred every few seconds, involved unfamiliar tokens, and showed clear signs of automated behavior rather than human use. I was actively receiving notifications while this was happening and contacted Crypto.com Support immediately during the incident. Since then, I have fully cooperated with all requests, including identity verification, security resets, and a voice call with support. My account is secured and was confirmed to be under investigation. My account balance dropped from approximately {$440.00} to approximately {$34.00} due solely to these unauthorized internal trades. No external withdrawals occurred because the account was under a XXXX withdrawal lock. Crypto.com has denied reimbursement on the basis that no external money-out transaction occurred, despite acknowledging that unauthorized internal transactions are not covered under their policy. My position is that unauthorized activity is unauthorized regardless of whether the funds leave the platform, and the loss occurred due to compromised account security and transactions I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a credit card account I opened in XX/XX/year>. I was approved for the account, but I never received the physical card and was never able to activate it or access the account. Synchrony did not provide billing statements, login access, or any means for me to review or pay the account balance.

Approximately two and a half months after opening the account, I received a single email from Synchrony stating that they were shipping the card. That was the only communication I ever received from them regarding the account. I never rec
eived the card, and I was never contacted by Synchrony again.

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 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc.
State: TX

Complaint narrative:
XXXX medical group is trying to XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have no prior knowledge of this medical group or how they even have my information when asked for proof or validation they provide none.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Between XXXXand XXXX I spent more than XXXX and a XXXX XXXX on the phone with at least XXXX CapitalOne representatives, including multiple Fraud and Disputes Managers. On XXXX at XXXX. CT I spoke with a representative for approximately XXXX and XXXX. On XXXX I made XXXX separate calls : XXXX. ( XXXX minutes ), XXXX. ( XXXX XXXX ), XXXX. ( XXXX minutes, disconnected ), and XXXX. ( XXXX minutes ). Across these calls I was repeatedly told that my account flags were cleared, yet I was still instructed to re-submit my drivers license, selfie verification, and proof of residence multiple times. During the evening of XXXX a representative asked me to retry a transaction while she stayed on the line ; I did so, and my card was immediately placed into restricted status. Only after the restriction occurred was I told that the transaction ( a legitimate vendor payment via XXXX ) was being categorized as a cash advance. I have never taken a cash advance in XXXX  years with this card. The unresolved restriction has caused direct business disruption by blocking access to my available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: AL

Complaint narrative:
I obtained an online loan from XXXX in XX/XX/XXXX. I received XXXX deposits of {$300.00} each on or about XX/XX/XXXX and XX/XX/XXXX, for a total of {$600.00} in loan proceeds. 

Since receiving the loan, I have made payments as scheduled. On or about XX/XX/XXXX, the company withdrew {$140.00} from my bank account. On or about XX/XX/XXXX, the company withdrew an additional {$180.00}. In total, I have paid {$330.00} within approximately XXXX month. 

Despite these payments, XXXX continues to reflect a remaining balance of approximately {$580.00}. The payments made have not meaningfully reduced the principal balance and appear to be applied primarily to fees and interest. Based on these amounts and the short time period involved, the effective cost of credit is extremely high when annualized. 

I am not refusing to pay the loan. I am disputing the fairness, structure, and disclosure of the fees, interest, and payment application. The loan appears structured in a way that obscures the true cost of credit and prevents principal reduction, which I believe is unfair and deceptive. 

On XX/XX/XXXX, I notified the company in writing that I dispute the predatory charges and requested a full itemized accounting of the loan, including how payments are applied to principal, interest, and fees. I also requested that disputed fees cease while the matter is under review. I am continuing to make payments on undisputed amounts in good faith. 

I am requesting CFPB assistance to review this lending and fee structure, ensure accurate and transparent disclosures, and require the company to address the disputed charges and provide a clear accounting.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid {$500.00} for a rental car from XXXX thru the XXXX XXXX XXXX program. On XX/XX/XXXX I went to pick the car up. Everything went great for exactly XXXX week. I woke up around XXXX to start my work day & the car would not start due to a dead battery. I had to call roadside assistance which caused me to be behind at this point. About XXXX hours later roadside assistance came and powered the car. I then had XXXX XXXX from XXXX, Ga ( where I live ) back to XXXX, Ga ( hertz location ). I get a voucher to repair the maintenance on the car. I go to the repair shop where XXXX stuck with a car that has over XXXX mechanical issues that has been on going for months with car. So I had to waste a whole 2 days from driving back and forth plus sitting with the car to be fixed. At the time XXXX told me that because I agreed and picked up the car, at that point it became my responsibility. Even though I had no knowledge of the current conditions. After 2 days wasted they eventually swapped me for another car and promised that Id receive compensation for my time. I never received it. EVER. On XX/XX/XXXX I paid {$150.00} because my rental fee was behind. Once again I got behind because of the malfunctions of the car. I reported and emailed each incident. Nothing was done. I rented a total of XXXX cars. Multiple cars had over XXXX miles on them upon pick up. My options were very limited after the deposit was paid. Then told itll XXXX weeks for it to be returned. Every car I picked up from the beginning until end had multiple mechanical issues that were completely out of my control. I was told numerous times that Id receive compensation, but I never got it. All I got was back and forth emails from XXXX and XXXX corporate. On the scheduled return date I could XXXX XXXX the car to drop off, because the key fob died. After reporting this the first time I was told by management to keep key batteries nearby. The option to manually use the key was unavailable because the key that was given to me at pick is not the original key for the car. Its a different key that XXXX programmed. 
I rented with XXXX from XX/XX/XXXX until XX/XX/XXXX. In XX/XX/XXXX I was ran over by a car while walking. I needed a car to handle my case and litigation works. Thats why I had it for so long. I CAN PROVE ALL THIS BY SUBMITTING ALL the mechanic notes and issues, rental agreement receipts, and emails from both companies not provided information or handling the situation. My bank regions told me my deposit of {$500.00} and {$150.00} payment ( XX/XX/XXXX ) was too old to file a dispute on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Blackhawk Network Holdings Inc.
State: NM

Complaint narrative:
I was gifted a prepaid XXXX card issued by XXXX XXXX XXXX Upon activation, funds were missing. I have proof the card was used physically in California while I was in Texas. The issuer refuses to investigate or refund the stolen funds, claiming 'gift cards are like cash, ' effectively knowingly selling compromised financial products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
Nordstrom credit card, not getting in time for payment of XXXX XXXX usually paying all the time at the store, was on vacation out of USA. Using this card until right now, next all payments was done in time. ( it was happening more then 2 years ago ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am submitting this CFPB complaint because Cash App performed an unauthorized liquidation of my longheld XXXX XXXX, and I was never notified or given any opportunity to prevent the sale. I requested a copy of the liquidation notice Cash App claimed was sent, but the company stated that it can not provide any notice, timestamps, delivery logs, authorization records, or supporting documentation. 

Following my dispute, Cash App closed my account during an active investigation, and then also closed my husbands completely unrelated investment account, even though he had no involvement in the situation. Cash App then sent me a vague message accusing me of violating their Terms of Service, but again provided no evidence, no explanation, and no specifics. These actions appear retaliatory and have created serious emotional distress and financial disruption for my household. 

My husband and I held these investments for over XXXX years, even while the shares were at a loss, because we believed in their longterm potential and planned to keep them indefinitely. The unauthorized sale destroyed something we had intentionally preserved for our future. The sudden account closures have also made it difficult to access our own financial information. 

I am submitting this complaint because : The stock sale was unauthorized. 

Cash App can not produce required evidence or records. 

My account was closed during a dispute. 

My husbands unrelated account was also closed. 

Cash App provided an unsupported TOS accusation. 

These actions caused significant emotional distress and financial harm. 

Our trust in the platform was damaged, and we feel unsafe using digital financial services. 
I am requesting CFPB oversight to ensure Cash App : Provides all required records and explanations, Addresses the unauthorized liquidation, Explains the account closures, And provides a fair resolution for the harm caused. 

Thank you for reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
Received a VanillaGift.com credit card as a gift. In the amount of {$50.00}. 
I activated the card for the FIRST TIME on XXXX XXXX, XXXX. 
When I checked the balance, it showed a balance of {$19.00}. 
It showed a purchase was made in the amount of {$30.00} on XXXX XXXX, SEVENTEEN DAYS BEFORE the card was activated for the first time.

I filed a dispute and the company closed the case without resolving my complaint.

I believe this company is acting fraudulently, and make it almost impossible to access its website. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I tried to make purchase on my Macy American Express on XXXX  XX/XX/XXXX. Iit was declined I call and spoke to several people the first said is was interest and when I ask for surprised that person hung I told to two more people and third told me that nothing XXXX I could do about. I hung and then closed my account. Next. I check my credit XXXX Score it had gone done. XXXX and saw where loan was sold to another company I have no idea who I am on fixed income XXXX XXXX XXXX and always pay my bills this is a very XXXX XXXX I live off credit cards but pay my bills they were not interested in even trying to work out something

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 2026-01-20 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: NV

Complaint narrative:
I went in to transfer funds from. MY cash app there was a balance of XXXX but when I went to transfer it it said XXXX was transferred and my money and amount disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, my CapitalOne bank checking and savings accounts were restricted after a {$25.00} incoming XXXX payment from a sender I had previously received funds from without issue. The restriction was imposed shortly after the payment was flagged, without meaningful notice or an opportunity for me to verify the transaction before both accounts were restricted. 

This action caused measurable financial harm. A scheduled payment was returned, resulting in a {$30.00} returned-payment fee. I also lost a {$200.00} incentive because funds could not transfer on time. In addition, the incident triggered ongoing payment-verification holds with another financial institution, requiring repeated dual-party phone calls to release funds, creating continued inconvenience and time loss. 

I submitted a formal written dispute and later received a response stating that no harm occurred. I followed up twice through secure messaging and left multiple voicemails for the assigned representative requesting escalation and compensation. I have received no response to these messages or calls. 

I am seeking fair compensation for the documented financial losses and time spent resolving this issue, and a substantive response addressing why the harm was dismissed despite clear evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: MS

Complaint narrative:
On XXXX XXXX I requested a validation of this debt company still haven't sent me anything to validate this debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
XXXX and XXXX XXXX, the amount were {$1.00} and {$840.00}, I sended both first I XXXX  why still on hold then second time I send it again but same on hold. So I think these maybe takes time 3 days or 5 days. But I cek to report they said will fix it as soon as possible ok I waiting again but 5 days I XXXX  again to report but they only XXXX I made transfer XXXX time after I reply nothing responded until now. I still waiting but at least there's answered because these alredy take time more than 5 days Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am try to open acount Bank of America but they didnt open my account firstly I am try to open online then decline open account and they tell me take with id in bank but I am giong in bank they dont open so please help me for open account in bank off America

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 2026-01-20 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: WA

Complaint narrative:
I am submitting this complaint regarding the handling of a single disputed Apple Card transaction in the amount of {$12000.00} by Goldman Sachs Bank USA ( Apple Card issuer ). 

This dispute concerns non-delivery of merchandise. XXXX XXXX ( a XXXX XXXX  ) were never shipped, never delivered, and never available for pickup. I did not receive the merchandise. I offered to travel to retrieve it, but delivery never occurred. The seller later acknowledged that a refund was owed, but no refund was provided and the seller disappeared. 

Goldman Sachs has repeatedly assigned new dispute case numbers to the same transaction instead of maintaining one continuous dispute. Case numbers associated with the same transaction include : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

I submitted a complete documentation packet by certified mail under XXXX. Goldman Sachs representatives and supervisors later confirmed they had received and reviewed the packet during recorded phone calls. 

Provisional credits/adjustments have repeatedly posted without a written final determination, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, leaving the dispute in a recurring provisional adjustment cycle for more than ten months. 

On XX/XX/XXXX, I again requested a written final determination via Apple Card chat. Goldman Sachs responded that the dispute is under review and, in writing, stated : There is no final date of determination and that the dispute can be reopened again. 

I am requesting CFPB assistance to require Goldman Sachs to : ( 1 ) consolidate all dispute activity for this single transaction into one master dispute record, ( 2 ) permanently associate all submitted documentation with that record, ( 3 ) stop reopening/renumbering the dispute for the same transaction, and ( 4 ) issue a written final determination resolving this non-delivery dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: CA

Complaint narrative:
One day I got an email that they were closing my account because I violated terms of service I emailed them repeatedly and asked them what I did specifically to violate their terms of service and ask to appeal and they still closed my account did not provide me with any answers and tell me that they can't tell me what I did specifically which is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has restricted my business account and frozen over {$1000.00} since XXXX under a liability limitation. I have been repeatedly told my funds would be released or transferable, which has not happened. I am experiencing financial hardship and this is my only accessible account. PayPal has not provided a clear or accurate release date. I am requesting immediate access to my funds or transfer to my linked XXXX account.

Company response to consumer: Closed with non-monetary relief