vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: NC

Complaint narrative:
I am a Citi XXXX XXXX credit card holder, and I noticed an unrecognized charge of {$95.00} on XX/XX/. I raised a dispute regarding this charge, and Citi temporarily reversed the transaction. However, on XX/XX/, the charge was re-applied to my card. I reside in North Carolina, but the charge was made at XXXX in XXXX, CA. This is clearly a fraudulent transaction that I did not authorize. Could you please assist me in resolving this issue and refunding the amount to my 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 monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I am submitting a new complaint regarding Cash App, as my prior complaint was closed after the company provided a response that did not resolve the issue and failed to address key concerns. Cash App claims that the disputed transactions were authorized because the account was verified under my name. However, this ignores the fact that my minor child accessed and used my information to create and operate the account without my knowledge or consent. Cash App has acknowledged that the account can not be treated as a sponsored minor account because it was already verified. This raises serious concerns as to how a minor was able to create and use a fully verified account using my identity outside of their required parental authorization system. Cash App also relies on the fact that transactions occurred from the same device. This does not establish authorization, particularly in a household where a minor has access to a parents device. Additionally, I made multiple attempts to contact Cash App through various email addresses in an effort to resolve this matter directly. These emails were returned as undeliverable, demonstrating that Cash App does not provide a reliable or accessible method for customer support. Furthermore, after I filed my initial complaint with CFPB against Cash App, Cash App restricted my account. My account is currently restricted. I am able to log in, but I can not send or receive money, transfer funds, access stocks, or use any financial features. Despite this, my account remains active within their system, as I continue to receive notifications such as being added to payment pools. This demonstrates that Cash App maintains control over my account but has failed to properly secure or resolve it. Cash App has failed to explain : - How their identity verification process allowed a minor to create and use an account under my identity - What safeguards failed to prevent this - Why I am being held responsible for unauthorized use of my credentials by a minor I am requesting : XXXX. Full reimbursement of the remaining {$2700.00} XXXX. A detailed explanation of how this account was created and verified without proper authorization XXXX. Clarification on why my account remains active but restricted This issue remains unresolved, and Cash Apps response does not adequately address the security and authorization failures involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am filing this complaint regarding a denied billing dispute that was not properly investigated. I disputed a charge related to the purchase of a dog after discovering significant medical issues caused by the transaction. At the time of purchase, I was informed that the dog was hypoallergenic. This representation was material to my decision to proceed with the purchase. This was also my first family pet. After bringing the dog home, I developed allergic reactions and worsening XXXX XXXX symptoms. I sought medical care and was advised by my physician that continued exposure is medically unsafe and that the animal must be removed from my home. I submitted supporting medical documentation to Comenity Capital Bank as part of my dispute. Despite this, my dispute was denied. This is not a case of buyers remorse. This is a case of misrepresentation at the point of sale and an undisclosed health risk that could not have been known at the time of purchase. The denial appears to rely solely on the merchants contract and policies, which do not override my rights under the Fair Credit Billing Act. A proper investigation should consider whether the goods were misrepresented and whether the transaction resulted in harm. When documents were signed I was being rushed out the door because they said they were closing. I no longer have the puppy I had to give him away because of how sick he was making me. My family physician advised me that it was necessary for my health. I am requesting : A full reinvestigation of my dispute Copies of all documentation used in the decision The merchants full response A clear explanation of how my medical documentation was evaluated I am also concerned about potential financial harm while this matter is unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I asked for an itemized breakdown of account. They say its a XXXX account but I can not find it anywhere or on my credit reports. They sent me paperwork of over all debt with 2 different account numbers which one was paid and the next had a total dollar amount with no break down. They then filed with court but didnt serve me or attempt to. Case was dismissed and they then filed after to have case dismissed without prejudice and case was dismissed again. I wouldnt have even known had I not been looking into something else. They continue to report it to my credit report even though I disputed the lack of information and then said they would sue me. Which I guess they filed so partly did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
American Express refusing to provide complete account statements and billing history for disputed accounts I am filing this complaint against American Express concerning three credit card accounts that have been reported and/or billed with balances I dispute as inaccurate. The accounts are : Account ending/identified as XXXX Account ending/identified as XXXX Account ending/identified as XXXX These are the same three AMEX accounts I previously disputed in writing. American Express has been placed on notice that I dispute the existence, character, and amount of the alleged balances on these accounts. My complaint is straightforward : I need complete credit card statements and billing history from the date each account was opened through the date each account was closed or charged off, because there appear to be inaccuracies in the billing and account history. Specifically, I am requesting for each of the three accounts : All monthly billing statements from account opening through account closure, charge-off, or present ; A complete transaction history showing all purchases, payments, credits, reversals, fees, penalties, adjustments, and interest charges ; The date each account was opened ; The date each account was closed, suspended, or charged off, if applicable ; A full itemized accounting showing how American Express arrived at the balance it claims is owed ; Any records of billing corrections, disputes, investigations, or adjustments previously made on the accounts ; Any records used to furnish information to consumer reporting agencies concerning these accounts. I believe there are billing inaccuracies and/or balance inaccuracies on these accounts, and I can not fully evaluate or challenge the claimed balances without the full statements and account histories. American Express has not provided the complete records needed to verify the accuracy of the amounts being claimed and reported. I am requesting that American Express provide these records directly to me and conduct a proper review of the billing history for all three accounts. If American Express determines that any balances, charges, dates, or reporting were inaccurate, I request that it promptly correct its records and correct any information it furnished to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
This is a follow-up to complaint # XXXX. The issue remains unresolved. MOHELA continues to report inaccurate late payments across multiple accounts from XXXX. This is severely impacting my credit and my ability to qualify for housing. I am requesting a full investigation and correction of all inaccurate late payments, or documented proof validating each reported delinquency across ALL accounts.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
SEVERAL INQUIRIES APPEARING ON MY CREDIT REPORT WERE MADE WITHOUT MY AUTHORIZATION OR CONSENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I requested via certified mail, an official XXXX, XXXX, XXXX on my mortgage. It has been bought and sold three different times without notification and without agreed consideration. Truist is the servicing company which services my mortgage on behalf of XXXX XXXX XXXX I've asked for very specific information that is required by law to be provided to me upon request, which they have failed to do within the time frame allowed to them per RESPA. I have all letters sent ( Original, follow up to the original, and the final demand letter, requesting all the information regarding my loan that i sent them in the original letter ). They have not responded and are currently in violation of RESPA rules and regulations on three separate occasions.

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 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SN SERVICING CORPORATION
State: VA

Complaint narrative:
Complaint Against SN Servicing Corporation Refusal to Review Loss Mitigation Application and Pending Foreclosure Sale I am submitting this complaint regarding SN Servicing Corporations refusal to review my recent loss mitigation application despite a documented material change in my financial circumstances and an imminent foreclosure sale scheduled for XX/XX/year>. SN Servicing Corporation has stated that my request is considered a duplicative request under 12 C.F.R. 1024.41 ( i ) due to prior loss mitigation offers that were not successfully completed. However, this determination fails to account for the fact that my financial circumstances have materially changed since those prior evaluations. The prior default occurred due to the loss of a non-borrower household contributor whose financial support ended as a result of serious mental health challenges. That hardship has since been resolved. I now have increased employment income and a new non-borrower household contributor providing stable financial support. My current financial profile is substantially different from the circumstances that existed during the prior modification attempts, and I now have the ability to sustain a modified mortgage payment. Despite providing updated information reflecting these changes, SN Servicing Corporation has refused to review my application and has not provided a formal written determination identifying the date of the prior complete loss mitigation application or confirming that all requirements under 12 C.F.R. 1024.41 were satisfied in connection with that evaluation. Additionally, a foreclosure sale is scheduled for XX/XX/year>, and SN Servicing Corporation has not confirmed whether the sale will be postponed while this matter is being addressed. I am attempting in good faith to resolve this loan and bring it into a performing status, but the refusal to review my updated application prevents any meaningful resolution. I am requesting that SN Servicing Corporation : XXXX. Reconsider and review my loss mitigation application based on my current financial circumstances ; XXXX. Provide written confirmation of the prior complete loss mitigation application they are relying upon for the duplicative request determination ; XXXX. Confirm whether the foreclosure sale will be postponed while my updated financial information is reviewed ; and XXXX. Work with me toward a sustainable resolution based on my present ability to pay. I have already submitted all updated financial documentation twice and I am prepared to again provide all updated financial documentation necessary to support a full evaluation and am committed to resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
My identity has been stolen. I discovered it XXXX XXXX, XXXX. Over {$12000.00} in loans have been taken out frauduently in my name. I have contacted the Kentucky State Police, Detective at XXXX and submitted several documents to show proof of my real identity. My dispute has been denied. I did not take out these loans. I have contacted XXXX XXXX XXXX, XXXX XXXX and legal counsel at XXXX. No one is listening or taking me seriously!! I did not take out these loans!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian did absolutely nothing. They just ignored my complaint.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westcreek Financial
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: MD

Complaint narrative:
I am filing this complaint against BAM Trading Services ( Binance.US ) for the unlawful withholding of XXXX TRX ( approx. {$130.00} USD ) following a critical failure of their platforms user interface. On XX/XX/year>, the Binance.US mobile application generated a TRX ( TRON network ) deposit address for my account. Simultaneously, the app displayed a conflicting and contradictory error message : 'We support none of the networks for now. ' Despite this documented system glitch, the app provided the address, leading me to believe the network was active. The transaction ( TxID : XXXX ) was successfully confirmed on-chain to the address provided by Binance.US ( XXXX ). Binance.US currently holds the private keys and physical custody of these assets. The core issues are : 1. Deceptive Interface : Providing a deposit address while displaying a 'system failure ' message is a deceptive trade practice that led to the loss of access to my funds. 2. Refusal to Remediate : I contacted support ( XXXX XXXX XXXX XXXXXXXX ), but was met with automated scripts claiming the funds are 'unrecoverable ' despite the blockchain proving they are stationary in a Binance-controlled wallet. 3. Custodial Negligence : As the bailee of these assets, Binance.US has a fiduciary duty to either credit the deposit or return it to the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding a private student loan currently held by Navy Federal Credit Union and serviced by XXXX. Both the borrower and the cosigner on this loan are United States military veterans who have been formally determined by the Department of Veterans Affairs to be 100 % Permanently and Totally ( P & T ) disabled. These determinations reflect permanent, service-connected conditions that preclude the ability to maintain substantially gainful employment. Despite providing official VA disability documentation for both parties, the lender and servicer have failed to offer any meaningful, long-term resolution. The only options presented have been repeated short-term forbearance or payment deferrals, which continue to accrue interest and significantly increase the total loan balance. This approach does not take into account the permanent nature of the borrowers disabilities and instead creates a cycle of compounding debt with no realistic path toward repayment. Both borrower and cosigner are living on fixed disability income, and the expectation of eventual repayment under these conditions is not reasonable. Importantly, approximately {$20000.00} has already been paid toward this loan in good faith, including during periods of active service. The current circumstances are the result of permanent service-connected disabilities, not financial mismanagement. The continued refusal to evaluate or offer a permanent resolution raises serious concerns regarding : Good faith servicing practices Failure to reasonably consider documented permanent hardship The fairness of continued debt enforcement under conditions of total disability The absence of any disability-based relief or accommodation pathways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Identity Theft Report with Fraud Billing Dispute upon stolen social security number

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: UT

Complaint narrative:
My first complaint I don't think it actually went through so the second one was trying to update XXXX the XXXX I was left at XXXX my phone was stolen because it was charging in the truck and my my XXXX was stolen I had to get a ride home from the sheriff 's and probably sent them the receipt to prove where I was that shows I was not where the phone was that my cash app was on XXXX XXXX added his catch up to my phone emptied my bank account now I reported it and they ended up closing my account and then he still more money from me so they forgot to close his account so then they had to reimburse my {$680.00} something dollars to me and then they never reimbursed the other XXXX something dollars that he stole from me that is the only reason they reimbursed the XXXX and something so they had me appeal the decision for closing my account so I can try to get my money back and they denied me to open my account back so there's no way for me to access this money I keep calling them and calling them they have sent it up to management they have give me the runaround and then run around I keep telling them just to mail me my check for my money and they said they can not do that their FDIC is short so that means they have to send me my money they can not just keep my money and tell me they don't know what to do because I have no way to access this account I no longer have the phone the phone number or he changed my email password he changed my PIN to my account there's no way for me to access this account they said there's nothing I was thinking to it for me I told them I was going to call an attorney or the news or better Business bureau I wanted my money is my disability check I need my money they said there's nothing they can do and management will not call me back awesome cuz it won't let me put an account number because my account information is my hashtag for cash tag XXXX XXXXXXXX

Company response to consumer: Closed with explanation