vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding the mishandling of a disputed transaction totaling {$12000.00} and the subsequent wrongful closure and negative balance placed on my account. I disputed a {$12000.00} transaction that I did not authorize and/or believed to be fraudulent. Wells Fargo failed to properly investigate and resolve this dispute in accordance with federal law, including the Electronic Fund Transfer Act and Regulation E. Instead of resolving the issue, Wells Fargo : * Failed to return the funds to the original sender or properly correct the transaction * Closed my account without a fair resolution * Charged my account a negative balance of - {$12000.00}, effectively holding me responsible for a transaction I disputed. This action has caused severe financial harm and raises concerns about Wells Fargos compliance with federal consumer protection laws. I was not provided with adequate documentation of their investigation, nor a valid explanation for their decision

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: TX

Complaint narrative:
I do not recognize this account and did not open any account with XXXX Bank. This may be identity theft or incorrect reporting. I have requested validation but have not received sufficient proof. I request investigation and removal if the debt can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am writing to dispute the forfeiture of {$330.00} in earned rewards associated with my credit card account. These rewards were earned through significant spending on the card. The rewards were automatically converted into " reward certificates '' by an " auto-issue '' setting in the system without my explicit consent. I did not authorize issuance of the reward certificates. Because of this default setting, {$330.00} worth of earned value expired last month. Actions Taken : XXXX XXXX : I contacted the companys customer support via chat and phone to request a one-time courtesy reinstatement of these points. I was told that " system policy '' prevents any manual overrides, even for high-value cardholders. Third-Party Mediation : I filed a complaint with the XXXX ( Case ID : XXXX ) on XX/XX/year>. The BBB informed me that they can not compel the company to change its internal policies and closed the case, though they provided a courtesy copy to the company 's headquarters.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood Banking XXXX Date of call center interactions XXXX ( name of XXXX ) XXXX XXXX name of supervisor ) ( Support Manager Robinhood credit team ) " has no boss '' Call reference # XXXX I was approved for the new Robinhood XXXX Credit Card, but the physical card arrived in the mail while i was traveling out of state to Louisiana, and Texas for a multi-week trip. When i returned home and tried to activate my new card, my Robinhood app stated there was a 'hold ' on my account and that 'verification failed. ' Believing my account was still active and that i simply needed to verify my identity since i had been away, i called customer service. After spending over 2 hours on the phone, ( 1 of these hours spent on hold for a supervisor that never came. I disconnected that call ) representatives informed me that my account was permanently canceled but outright refused to tell me why. Instead, she claimed the reason was sent in a previous email, but i have never received any such communication or notice regarding a deadline. The representative stated they would send another email to ensure i receive the explanation, but the entire process has been entirely unhelpful, and evasive. It is incredibly deceptive and unfair to display a 'hold ' and a path to verification in the app, only to be told by phone support that the account is irreversibly closed, while they simultaneously refuse to disclose the reason over the phone. I am attaching screenshots of my app proving it still asks for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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/XXXX I submitted a {$40.00} deposit through cash app for cosmetic appt that would've took place on XX/XX/XXXX, but I canceled and per the person 's policy I am due a refund that I've still haven't received. I have reached out to the person multiple times and no response. Then, I reached out to cash app 's customer service department and complaints no still no help at all! I have also asked for supervisors and request ignored. I never went to my appt at all and canceled ahead of time, but still haven't received my funds back. Cash app seems to be okay with customers who use their services being scammed/or just doesn't care about monitoring unprofessional activities on their network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capstone Credit & Collection, LLC.
State: WA

Complaint narrative:
I am disputing a rental debt being collected by Capstone Credit & Collections in the amount of {$3200.00}. I previously requested validation of this debt. While documentation was provided, it does not include supporting evidence such as itemized invoices, proof of damages, or documentation demonstrating that the charges exceed normal wear and tear. I previously submitted a written request for validation outlining specific documentation needed, which is attached, and the response did not include sufficient supporting evidence The charges listed, including carpet replacement and multiple cleaning fees, are not substantiated by any supporting documentation. Additionally, the unit was rendered uninhabitable due to a hurricane, and I vacated the property and returned the keys. Under these circumstances, lease obligations should have terminated. Charges related to cleaning, damages, or restoration are not supported, as the condition of the unit may have been impacted by events beyond tenant control. Furthermore, there is no documentation showing that a legally compliant Notice of Intention to Impose Claim on Security Deposit was provided in accordance with Florida Statute 83.49, including required details such as specific reasons for the claim and notice of the right to object. Based on the lack of supporting documentation and the circumstances surrounding the termination of occupancy, the amount being reported is inaccurate and not properly validated. I am requesting full documentation supporting these charges, or removal or correction of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: IL

Complaint narrative:
On XX/XX/year>, {$5500.00} was billed to my Discover credit card for XXXX. These charges are not mine & over a period of several weeks, I dealt with the fraud department at Discover. After an " investigation '' it was decided that the charges were not fraudulent and I was responsible for full amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and failure to comply with Regulation XXXX. I disputed fraudulent transactions that posted to my checking account prior to its closure in the total amount of {$2200.00} from XXXX XXXX. These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. Please see attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. I request that the bank immediately reopen and properly investigate this Regulation XXXX claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OR

Complaint narrative:
Product : Checking Account Issue : Deposits and Withdrawals Problem with a deposit Complaint : I am filing a complaint against U.S. Bank regarding a mishandled in-person teller check deposit with loss of traceability and lack of accountability. On XX/XX/year>, I deposited a physical check for {$4600.00} in person with a teller at a U.S. Bank branch. The teller incorrectly imputed the check deposit amount as {$4600.00}. The check was accepted and placed on hold. On XX/XX/year>, a returned check transaction was posted to my account, indicating that the item had been rejected and sent back from back-office processing after being on hold. On XX/XX/year>, I was informed that the item had been flagged as fraud, but no documentation or clear justification was provided. I was also told I would need to wait XXXX business days to receive the physical check by mail. After accepting the check and holding it for several days, the bank has been unable to provide a check image, unable to explain what occurred during processing, and unable to provide a clear, documented reason for the rejection. I visited the branch twice to attempt to resolve this issue. On my second visit, I brought the original check stub as additional documentation of the deposit. Despite this, branch staff stated there was nothing they could do and provided no meaningful assistance, investigation, or escalation. I independently contacted customer service and was told the issue must be handled by the branch, leaving me in a loop with no department taking ownership. At no point was I provided documentation supporting a fraud determination, nor was I informed of any actual fraud investigation affecting my account. This situation reflects : - Loss of traceability after the bank accepted custody and held the check - Failure to provide a check image or processing record after several days of possession - Lack of a clear or documented return reason - Delayed and inconsistent communication regarding the reason for rejection - Inconsistent and uncoordinated responses between branch and customer service - No meaningful investigation or accountability at the branch level Under federal banking standards, including the Check Clearing for the XXXX Century Act ( Check XXXX ), banks are expected to properly capture and process check images and maintain adequate records and traceability after accepting and holding a deposit. That standard does not appear to have been met in this case.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: W&A Intermediate Co., LLC

Complaint narrative:
I am being harassed by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a debt that does not belong to me. They are calling my personal phone number looking for a person named XXXX XXXX I have informed their representatives multiple times that I am not the person they are looking for and that I have no relationship with the debtor. Despite these verbal requests to stop calling, the calls continue. This is a violation of the FDCPA regarding harassment and contacting a third party after being told to stop. I am requesting that my phone number be permanently removed from their database and all communication cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
So I was online gambling beginning of XXXX and I lost {$17000.00} because Wells Fargo kept on say stating that there were money in my checking account when there was not so every time I requested money to be transferred to an online gambling site it went through thousands of thousands of dollars.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citis response remains inadequate. This case involves confirmed identity theft occurring inside a physical branch, yet Citi has failed to explain how their in-branch verification procedures allowed an unauthorized individual to withdraw funds using my identity. I have provided a police report and evidence that the individual is not me. Citi has not confirmed whether surveillance footage, teller procedures, or ID authentication methods were properly reviewed. I am requesting immediate reimbursement, and a written explanation of how this fraud was permitted, as well as what corrective actions have been taken.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. I am requesting if these accounts could be removed from my credit report, they are hurting my ability to obtain credit.

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 2026-04-23 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: MI

Complaint narrative:
The product was ordered on XX/XX/year> through Macys and was supposed to be delivered the next day, XX/XX/year>. Although Macys stated the order was delivered by XXXX, the tracking number provided only leads to an error message and does not show any proof of delivery. I contacted Macys customer support and was told a full refund would be processed within 24 hours. When no refund was issued, I contacted Macys again. They refunded only the delivery fee, but the refund for the actual item was never provided. I then filed a dispute with my credit card company on the basis that the product was not delivered. After their investigation, they claimed the item had been delivered, but they would not provide any proof of delivery or supporting documentation.

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 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
During my checkout for an XXXX XXXX flight I received an offer for {$400.00} statement credit and XXXX miles sign-up bonus to open a Citi XXXX XXXX XXXX XXXX checkout. I was approved for the account but the checkout system failed to apply the credit/card. Citi refused to honor the promotion after the fact, forcing me to close an unusable account, which has now damaged my XXXX XXXX by XXXX points. After, the system failed I called twice. XXXX representative said I would receive a virtual number in XXXX hours, the I could process the purchase .Once the time period passed I called again and the next representative said I would have to wait until I got the physical card which made the promotion pointless when in suggested I could use it at the time of purchase if I was approved.

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 2026-04-23 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: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. I have mo knowledge of these accounts. This information is inaccurate andmustbe investigated. Under the Fair Credit Reporting Act ( 15USC 1681 ) you are required to conduct a reasonable investigation and ensure the information reported is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am disputing this account as fraudulent and not associated with me. I discovered a personal loan account reported under Upgrade , Inc., with a reported opening date of XX/XX/XXXX, and an original balance of approximately {$810.00}. I did not apply for, authorize, or receive any funds related to this loan. The account shows a history of delinquency, including late payments beginning in late XXXX and a charge-off status reported in XX/XX/XXXX. A current balance of approximately {$790.00} continues to be reported as past due. I have no knowledge of this account and did not participate in any activity that would result in this obligation. Upon discovering this account, I immediately took action by disputing it with the credit bureaus. Despite this, the account remains on my credit report and continues to reflect negative activity. This account is the result of unauthorized activity and does not belong to me. I am requesting a full investigation and immediate removal of this account from my credit file, as well as confirmation that I am not responsible for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am submitting this complaint regarding my Apple Card account issued by Goldman Sachs and how it is currently being reported. I previously made multiple good-faith attempts to resolve this matter directly with the company. I sent a certified letter on XX/XX/year>, requesting a goodwill review of my payment history due to a temporary hardship. After receiving no response, I followed up with an email on XX/XX/year>. Despite these efforts, I have not received any response or resolution from Apple Card/Goldman Sachs . Instead of addressing my request, a remark was added to my credit report between XX/XX/year> and XX/XX/year> stating : XXXX disputes this account information. This is concerning, as I did not submit a formal dispute regarding the accuracy of the account. My request was solely for a goodwill review based on a past hardship. This remark appears to be misleading and XXXX negatively impact my credit profile and ability to obtain approvals. I am requesting clarification as to why this remark was added and that it be removed if it was applied in error. I fully acknowledge that the prior late payments are accurate and occurred during a temporary hardship period in early to XXXX due to job loss. Since then, my financial situation has improved significantly, and I have been consistently maintaining my account in good standing with on-time payments. Additionally, I received a response dated XX/XX/year> indicating my request was treated as a dispute and closed. However, my request was for goodwill consideration, not a dispute of accuracy. This further demonstrates that my request was not properly reviewed or handled. Given my current payment behavior and efforts to resolve this matter directly, I am respectfully requesting : A thorough review of my account Removal of the consumer disputes remark if no proper dispute investigation was initiated Consideration for a one-time goodwill adjustment to remove the late payment history from the hardship period I have made every effort to resolve this directly, but due to the lack of response, I am seeking assistance through the CFPB for XXXX fair review of my situation. Thank you for your time and consideration.

Company response to consumer: Closed with explanation