vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding identity theft and unauthorized use of my personal information in connection with Cash App ( Block, Inc. ). I have received IRS Form 1099 reporting digital asset transactions under my name and Social Security number for income that I did not earn and did not authorize. I have never opened or used a Cash App account for cryptocurrency transactions. I reported this matter to Cash App and provided extensive documentation, including : Government-issued identification Police report documenting identity theft Evidence of fraudulent 1099 tax reporting Identity verification through their secure system Despite this, Cash App stated they were unable to confirm fraud. This conclusion is incorrect and unsupported by the facts. Additionally, I continue to experience unauthorized activity. Most recently, I received an unsolicited Cash App verification code, indicating that someone is actively attempting to access or create an account using my identity. This demonstrates ongoing risk and failure by the company to adequately secure my personal information. I have taken the following steps independently : Reported identity theft to the IRS and initiated Form 14039 Placed fraud alerts on my credit reports Filed a police report documenting the theft of my identity I am requesting that Block, Inc. take the following actions : 1. Permanently close any and all accounts associated with my identity 2. Implement a full SSN block to prevent future accounts from being opened using my information 3. Provide written confirmation that no active accounts remain under my identity 4. Issue corrected tax forms to the IRS removing any fraudulent income 5. Provide records of account access, including IP addresses, devices, and account registration details 6. Implement safeguards to prevent further unauthorized use of my identity This matter involves identity theft and incorrect tax reporting, which has serious financial and legal implications. The companys failure to properly investigate and resolve this issue is unacceptable. I am requesting immediate corrective action and written confirmation of the steps taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I was enrolled in Synchrony Bank 's Card Security program, operated by XXXX XXXX on behalf of Synchrony Bank, without my clear consent. I was charged {$1.00} per {$100.00} of balance every month from XX/XX/XXXX through XX/XX/XXXX on an account that was closed in XX/XX/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 monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
Subject : Credit Card Fraud Dispute Lowes Credit Card Issued by Synchrony Bank I am filing this complaint regarding an unauthorized charge of approximately {$3800.00} on my Lowes credit card issued by Synchrony Bank. I did not authorize this transaction, nor did I benefit from any purchase related to this charge. There was a prior incident where the original credit card was never received. I reported this to Synchrony Bank, and a replacement card was issued. I believe the unauthorized transaction occurred after the original card was lost or intercepted by an unknown individual. Since reporting the fraud, Synchrony Bank has repeatedly credited the disputed amount and then recharged it again, creating an ongoing cycle of back-and-forth decisions. This has caused significant stress and confusion. Despite providing multiple written explanations and supporting documentation, Synchrony Bank continues to claim that I benefited from the transaction. However, they have not provided any clear explanation or evidence showing how I benefited from the purchase. I have requested to speak with supervisors or higher-level representatives, but I was informed that this was not allowed. I believe this is unfair and that my case has not been properly reviewed. I respectfully request the following : 1. A full investigation of the unauthorized charge 2. Documentation showing how Synchrony Bank concluded that I benefited from the transaction 3. Permanent removal of the fraudulent {$3800.00} charge 4. Written confirmation that I am not responsible for this unauthorized transaction I am requesting assistance from the Consumer Financial Protection Bureau to help resolve this matter fairly and promptly. Thank you for your time and assistance.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Due to religious beliefs, does not use a smartphone. I applied for and use the Robinhood XXXX XXXX. Robinhood ( and the issuer, XXXX XXXX XXXX ) refuses to provide any method to access my legal billing statements or manage my account outside of a mobile app. In an email dated XX/XX/year>, a representative named XXXX explicitly stated : " we currently have no alternative to offer in order for you to access your XXXX XXXX account '' and confirmed they refuse to send paper statements. This " App-Only '' policy creates an impossible barrier for religious observers like myself. By refusing to provide a web portal or paper statements, the company is violating basic consumer protection and accessibility standards, and effectively discriminating based on religious lifestyle. I can not even view what I owe or pay my bill without violating my religious principles. I request that Robinhood/XXXX XXXX XXXX be required to provide a web interface or mail-based statements to accommodate religious non-smartphone users

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This is a formal complaint and dispute regarding a collection account being reported and/or collected without proper validation. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA 1692 ). This alleged debt is disputed in its entirety. The collector has failed to provide sufficient evidence to substantiate the claim and continues collection and/or reporting activity without proper verification. Full chain of assignment/ownership Complete documentation showing the transfer and legal ownership of the alleged debt from the original creditor to the current collector 2. Original contract with signature A copy of the original agreement bearing a valid signature demonstrating a contractual obligation 3. Itemized accounting of the balance A full breakdown of all charges, fees, interest, and payments used to calculate the reported amount 4. Proof of authority to collect Documentation showing legal authorization to collect and enforce this alleged debt 5. Evidence connecting the consumer to the debt Verifiable documentation directly tying the alleged account to the consumer, not generic or unverifiable recordsNOTICE OF DISPUTE This account is formally disputed All collection activity must cease until proper validation is provided in accordance with FDCPA 1692g ( b ) Any continued reporting or collection without validation may constitute false, deceptive, or misleading practices under FDCPA 1692e FAILURE TO COMPLY Failure to provide the requested documentation should result in : Immediate deletion of the account from all credit reporting agencies Cessation of all collection activity Continued attempts to collect or report without proper validation will be considered willful non-compliance.

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 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: MA

Complaint narrative:
XX/XX/XXXX, XXXX notice to vacate sent to XXXX XXXX advising that we were terminating our lease agreement due to job relocation via email. XX/XX/XXXX rent paid and final walk through scheduled. XX/XX/XXXX, walk through did not take place with us present. Multiple phone calls made to ensure there was no account balance. XX/XX/XXXX collections appeared on credit report, reached out directly to XXXX and was advised that it was with collections. Contacted collection agency on report, and was told that they could not verify the debt. XX/XX/XXXX, received letter from XXXX XXXX XXXX, with XXXX ledger. XXXX XXXX : Contacted I.Q Data and spoke to XXXX who advised XXXX did not have a forwarding address which contradicts the residential ledger as it shows our new address at the time we initially moved. Ledger shows security deposit applied and kept XX/XX/XXXX. Fees applied are normal wear and tear for property turnover. No communication from XXXX via email or mail in regards to any unpaid balances from XX/XX/XXXX to XX/XX/XXXX. XXXX, security deposit laws are very specific under O.C.G.A. 44-7-34. Landlords must Return your security deposit within XXXX days after you move out and the landlord regains possession of the property - That did not happen. If the landlord keeps any portion, they must provide a written, itemized list of damages/reasons, and include exact charges and property and send the remaining balance with the list. Mail must be sent to your last known address : All mail was forwarded and change of address completed in XX/XX/XXXX when notice was provided. Address also reflected on residential ledger that was provided. Property inspection done annually work order was placed for door in laundry room and never repaired while being a tenant but added to ledger. The landlord did NOT send the deposit or itemized list within XXXX days. Move-Out Inspection Rule : Landlord must inspect the unit and create a damage list within XXXX business days after move-out ( under 44-7-33 ). That did not happen. XXXX XXXX according to XXXX residential ledger write off charge applied. With XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MA

Complaint narrative:
Case XXXX- XXXX XXXX Account - Payout Hello, Our records indicate that your payout in the amount of {$1100.00} was successfully sent on XX/XX/year> to the bank account on file ending in XXXX XXXXXXXX. At this time we are unable to reissue your payout as the payout did not fail and the next steps would be to reach out to your bank. Here is the trace ID number XXXX that you can provide to your bank, and will help them locate the funds on their end. Thank you for choosing XXXX. Kind regards, XXXX XXXX Customer Success

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> they restricted my acct and wont allow me access to move my money

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 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: PA

Complaint narrative:
Consumer : XXXX XXXX XXXX Date : XX/XX/XXXX Complaint Summary I am submitting this complaint due to the continued reporting of inaccurate, inconsistent, and unverifiable information on my credit reports by XXXX, XXXX, and XXXX, as well as the furnishers of the accounts listed below. Despite submitting prior disputes, the information remains unchanged and continues to be reported inconsistently across the credit reporting agencies. This directly violates federal law and demonstrates a failure to conduct a reasonable investigation. Disputed Accounts 1. SELF LENDER XXXX XXXX XXXX ( SBNASELFLNDR ) Account : SBNASELFLNDR / XXXX XXXX XXXX SELF Date Opened : XXXX. XXXX, XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : This account is reported differently across the credit bureaus in terms of payment history, account status, and late payment severity. XXXX bureau reports late payments while another reports the account as paid and closed with differing status codes. These inconsistencies make the account inaccurate and unverifiable. Violations : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher reporting inaccurate information 15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation The responses I have received indicate that these accounts were verified, however, no documentation has been provided. This suggests reliance on automated systems such as XXXX, which does not meet the legal standard for a reasonable investigation. This is a violation of : 15 U.S.C. 1681i ( a ) ( 1 ) XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. XXXX ) Harm Caused The inaccurate reporting of these accounts has negatively impacted my credit profile, lowered my credit score, and interfered with my ability to obtain credit and financial opportunities. The continued reporting of inconsistent and unverifiable data has caused financial harm and ongoing distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My XXXX account got hacked and items were purchased that I did not make. It was a third party seller on XXXX, I called XXXX to try and stop the order but they claimed since it had already been shipped so they couldn't do anything about it even though it was only a few hours later that I reached out to them. So they said I just needed to wait until the items were delivered. But no packages were ever delivered either. So I have reached out to both XXXX and my credit card company. But Capital One is claiming that it doesn't meet their fraud requirements. This happened on XX/XX/XXXX. I've called XXXX multiple times at this point and they just said they are still looking into it. There was a third item that was also fraudulently purchased but XXXX caught that XXXX and canceled the order. I'm not sure why the other XXXX were able to be processed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I have XXXX unauthorized charges on my CoinBase debit card! XXXX for {$2100.00}, {$1000.00}, {$1000.00}. I have filed a dispute and have no received any follow-up or any provisional credit while they investigate! I cant pay bills!! I want a provisional credit to pay my bills while you investigate! Whats going on?! Email tied to my account : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
I entered into a XXXXXXXX XXXX XXXXXXXX with Rocket Mortgage following a sheriff 's sale on XX/XX/year>, after my husband died. I detrimentally relied on the same agreement in XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have engaged in removing about 70 % of the property and furnishings from the home. The agreement provided for a move out date on XX/XX/year>. I signed the agreement and sent it to the lender after a long negotiation in which they had multiple negotiators, each of which had varying amount of information or wrong information. This included their XXXX agent, their attorney, their operators on the telephone. While the agreement was out to me for signature, the Rocket Mortgage, behind my back, applied for a Writ of XXXX. I had always made it abundantly clear, in writing, that my agreement to the relocation would be that no application would be made as that entry on the court docket as very harmful to future applications for housing for me. I have access to XXXX and this is how I found out ( I check it every day as Rocket Mortgage is not trustworthy ). I signed the agreement and sent it over a week ago. I have disposal companies and movers timed to come at various days as the move out progresses ( which is in substantial progress - photographs and written reports are regularly provided to Rocket Mortgage. ) The utilities are running, the landscapers just finished a very substantial spring cleanup and the house is fully alarmed. I have again reached out to counsel for Rocket Mortgage and he is avoiding the issue of the fully executed XXXX XXXX. I believe their intention was never to honor the XXXX XXXX and the funds they promised in the agreement to pay for moving all along. They rush you along promising you funds, saying they are giving you " extensions '' but you never agreed to any date for an " extension ''. They nailed signs to the exterior walls of the home which is beautifully kept in a very nice area of town. I believe their goal is to dangle money in front of borrowers, they pull it saying they want you to move out earlier. I have a copy of the fully signed XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
My bill was getting paid on time and they decided to close out my account without letting me know. On XXXX of the credit bureau it has something like XXXX days paid and the other one it has XXXX days. I have never been late on this card and it is unfair to have it closed out for an unknown reason.

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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
A collection agency for Optimum XXXX Keeps harassing me even though CFPB and Myself have asked for Proof of debt from almost 2 plus years ago.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report and requested a reasonable investigation. Despite my dispute, the XXXX XXXX XXXX continues to report the same information without providing verification or evidence that the accounts are accurate. This failure to properly investigate and correct inaccurate information violates my rights under the Fair Credit Reporting Act and is causing financial harm.

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