vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: PA

Complaint narrative:
Subject : Undelivered {$5000.00} International Money Transfer Funds Retained Without Settlement Company Name : Abound XXXX XXXX XXXX XXXX XXXX TClub , Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Transaction ID : XXXX I am filing this complaint regarding a {$5000.00} USD international money transfer that has not been delivered and remains unresolved. On XX/XX/year>, I initiated a {$5000.00} USD transfer through Abound for urgent medical purposes related to my fathers XXXX XXXXXXXX in XXXX. Abound provided an estimated delivery window of XX/XX/XXXX through XX/XX/year>. The funds were not delivered. After multiple written communications, Abound confirmed receipt of funds and later issued a UTR number claiming settlement. However, the beneficiary bank has formally confirmed that no funds were credited to the account. Despite : Written confirmation from Abound claiming settlement Issuance of a UTR number Submission of the beneficiary bank statement confirming non receipt A formal 48 hour legal notice The company has failed to resolve the issue and is no longer responding. As of today : {$5000.00} USD has not been credited The company continues to retain my funds No trace documentation or XXXX equivalent has been provided Impact : My fathers medical procedure was disrupted I have suffered loss of use of {$5000.00} USD Financial hardship occurred Significant emotional distress resulted This raises serious concerns regarding : Safeguarding of consumer funds Accuracy of settlement representations Compliance with money transmission obligations I respectfully request CFPB intervention to ensure immediate resolution. Complainant : XXXX XXXX XXXX, Pennsylvania Email : XXXX Phone : XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays closed my both savings accounts ( 1 ) Savings Account XXXX XXXXXXXX and Savings Account XXXX XXXX with a balance of {$700.00} on the first account ending XXXXand a balance of {$14000.00} on the account ending XXXX they still havent told me the reason why my account was mysterious closed without violating any rules and the all the balances was sent to my sisters account .. I still dont know why it was sent to her and when I reported about my missing funds and I I asked Barclays to dispute those transactions or {$700.00} and {$14000.00} that was sent to my sisters account on XX/XX/XXXX I got a notification that {$700.00} has been sent to my account they said its already on XX/XX/XXXX and until today Barclays has not yet gotten the {$14000.00} that was on the account ending XXXX when I got that notification that my account was closed on XX/XX/XXXX I reach out to Barclays and they said theyre sending the money to my sister and I told them no that they should send me a check either but they went ahead to send it to my sisters account without my approval .i made a complaint immediately telling them that the account theyre sending the money is already closed and its belongs to my sisters but they said if they send the money and the bank rejects the money that theyre going to mail me a check or send the money to my available linked account and after some days they money got rejected my the XXXX XXXX XXXX XXXX XXXX Its was rejected because of two reasons 1. The names of both accounts those not match My account was XXXX XXXX while my sisters account is XXXX XXXX XXXX. Its was rejected because the account is already closed When I heard its been rejected I called Barclays immediately but they refused to let me know whats going on and until now I have received and seen my XXXX said they have mailed a cashier check to Barclays on XXXX XXXX and Barclays is still telling me they havent received any money or check from XXXX yet Barclays has only sent me a check of {$700.00} only .. they got {$700.00} back then left {$14000.00} which I still havent gotten and Barclays keep saying the money is with XXXX XXXX XXXX XXXX XXXX which they sent them without my approvalso I want them to recover my money back and mail me the check of {$14000.00} to my address because I never sent money to 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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak + timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution procest 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 redrest for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing this complaint regarding LVNV Funding LLC reporting a collection account in the amount of {$470.00} on my credit report. I dispute the accuracy and completeness of this account and have not received sufficient documentation verifying that this debt is valid and legally collectible. I am requesting proper validation of the debt, including documentation from the original creditor, a complete account history, and proof that LVNV Funding LLC has the legal right to collect and report this debt. This account is negatively impacting my credit and ability to secure housing. Until proper validation is provided, I request that this account be removed from my credit report and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: ROBINHOOD MARKETS INC.
State: AL

Complaint narrative:
I have placed an order on XXXX for 2 pairs of XXXX XXXX on XX/XX/year> but when i received the order there was only one pair of USED AND WORN OUT SHOE AND THE OTHER PAIR OF SHOES WAS NOT IN THE PACKAGE. SO THE ORDER RECEIVED CONTAINED ONLY ONE PAIR OF WORN OUT AND USED SHOE AND THE OTHER ITEM WAS MISSING FROM THE BOX. I DID NOT RECEIVE FROM XXXX THE ITEMS THAT I PAID FOR. THEY SCAMMED ME AND SENT ME A PAIR OF USED AND WORN OUT SHOES EVEN THOUGH I PAID FOR A BRAND NEW PAIR OF SHOES AND I ALSO PAID FOR ANOTHER BRAND NEW PAIR OF SHOES WHICH I NEVER RECEIVED. I PAID FOR 2 PAIRS OF SHOES BUT I ONLY RECEIVED ONE USED AND WORN OUT AND NOT AS DESCRIBED SHOES AND THE OTHER PAIR THAT I PAID FOR I NEVER RECEIVED AND IT WAS NOT IN THE PACKAGE THAT WAS DELIVERED TO ME. XXXX XXXX IS A SCAM AND FRAUD COMPANY THAT STEALS OUR MONEY AND NEVER SEND WHAT I PAID FOR. I PAID WITHMY ROBINHOOD XXXX CARD AND I DISPUTED THE CHARGE WITH ROBINHOOD BUT ROBINHOOD REFUSES TO REFUND ME THE MONEY AND DID NOT RULE IN MY FAVOR FOR RHIS DISPUTE EVEN THOUGH I DID NOT RECEIVE WHAT I PAID FOR WHICH ARE 2 PAIRS OF BRAND NEW SHOES I AM REQUESTING THAT HIGHER MANAGEMENT AT XXXX BE INVOLVED AND CLOSE THE DISPUTE CASE IN MY FAVOR AND CREDIT ME THE AMOUNT I AM DISPUTING WHICH IS XXXX DOLLARS Resolution in my favor for the dispute I opened against XXXX for not shipping the 2 brand new pairs that I paid for and instead they sent one pair of worn out and used shoe NOT AS DESCRIBED ON THEIR WEBSITE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX | XXXX Date : XX/XX/XXXX TO : XXXX XXXX XXXX, XXXX | XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL DISPUTE ACCOUNT AUDIT REQUEST SELF / LEAD To the Dispute Departments of XXXX, XXXX, and XXXX : I am writing this formal letter to dispute the accuracy of the account being reported under the name Self / Lead, Account Number XXXX. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the Truth in Lending Act ( 15 U.S.C. 1601 ) to demand a full investigation and verification of this account 's history. This account is reported as opened on XX/XX/XXXX, and closed on XX/XX/XXXX. Under the Truth in Lending Act ( TILA ), creditors must provide an accurate final accounting of the credit extended. I am disputing the reporting of the " Current '' status in conjunction with the account type " XXXX XXXX XXXX ''. I demand that you verify that the final balance of {$0.00} and all associated payment history data were reported in strict accordance with the original lending disclosures. Under FCRA Section 611 ( 15 U.S.C. 1681i ), you have a legal obligation to conduct a " Reasonable Investigation. '' Merely checking the furnisher 's automated response is not sufficient. I am requesting a manual audit of the records to ensure that the " Past Due '' amount of {$0.00} and the historical reporting periods are perfectly aligned. If these details can not be verified with the original signed documents, the law requires that this account be corrected or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I register to Equifax or MyEquifax : Email : XXXX - Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, Consumer Care XXXX, XXXX Enrolled : XX/XX/year>, XXXX XXXX XXXX hours : XXXX, XXXX XXXX XXXX : XXXX. A Monthly Monitoring Service of {$19.00} started XX/XX/year> ID XXXX and I cancelled on XX/XX/year> ID XXXX, these payments have taken from my XXXX XXXX account. I have contacted 3 times : The 1st call they put me on hold, the second said could not found my account and the 3rd call they hanged up. These payments are continued taken from my XXXX XXXX account. I made a huge mistake and I am hoping you can help me to stop this false " MyEquifax ''. Your help and services are much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
I contacted Citibank regarding fraudulent charges on my Home Depot credit card. I specifically requested that the compromised card be canceled and replaced, but that my account remain open. The representative confirmed this and stated a replacement card was being sent. Two days later I received an email stating that my entire credit card account had been closed. This was not authorized by me and has negatively impacted my credit report and score. I have spoken to the store where the fraud took place. They have video footage of the person committing fraud and a possible phone number. I have filed a report with the XXXX, XXXX Police Dept.. I have spoke with at least 9 different reps, at Home Depot/Citi since XX/XX/year>. I have continually been connected to just basic customer service, even though I have been calling fraud dept. phone numbers .. Each person I have tried to speak to has had a very thick accent. It is hard for me to understand a thick non-english accent due to the fact I have XXXX. When I explain that I either got disconnected or I was transferred to someone whose english was even worse. I have attempted to contact Citibanks escalation department but was unable to reach anyone ( even though the office I called would not close for another 2 hours ). The system didn't even bother to put me into a queue to speak with someone. I have done everything correctly but I feel like a criminal because someone committed fraud against me. I am requesting : 1 ) Immediate reinstatement of my account 2 ) Correction of any negative credit reporting 3 ) Written confirmation of these corrections

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 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
Affirm processed multiple installment plans for a ( at the time unknown to me ) illegal gambling apps I lost thousands because two different apps promised me cash bonuses for depositing money and then didnt deliver. I didnt have enough money to cover and affirm was an option, so I took out over {$3000.00} in loans. I wasnt issued the bonuses, and both apps use AI agents that refuse to help or issue the bonuses. They most likely arent based in the us and have no address on file. Its fraud. Ive attached a screenshot of the game in question According to affirms own policy they do not provide loans for online gambling or simulated gambling. Yet they loaned me over {$3000.00} to do so. I tried to dispute the charges, but I cant find a way to do so on their website at all. Ive attached screenshots of my loans. Some of the payments were processed under XXXX XXXX. Some were under XXXX XXXX XXXX XXXX. This company used multiple company names when the payments are processed. I assume to avoid fraud detection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
This company XXXX XXXX XXXX did not contact be in any way or medium and went straight and reported negative information on my credit profile which is against the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Sir/Madam. I am writing to ask you to remove this negative information from XXXX XXXX XXXX on my credit account profile.. I do not owe this money {$1200.00}. to XXXX XXXX or any company. This company never contacted me through any medium as required by the Fair Credit Reporting Act. Since they never contacted me about this bill, I was not given the required 30 days to dispute the information before they reported it to the credit bureau. They have totally and brazenly circumvented the rules and regulation of the Fair credit reporting act. You should immediately delete this derogatory information from my credit profile. This alleged medical bill came from Wakefield & Associates which you investigated and removed from my credit. They just recycled the same information. I will report Debt Recovery Solution to the Consumer Financial Protection Bureau because this unscrupulous company should not be allowed to damage peoples credit for no reason. This is a clear violation of FCRA regulation as this is not 100 % accurate and complete. DELETE THIS IMMEDIATELY. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Complaint Description : I am filing this complaint against XXXX XXXX and the above-listed consumer reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. An alleged XXXX XXXX account is being reported on my credit file. I dispute the accuracy and validity of this account. I have requested proper verification ; however, the account continues to be reported without sufficient evidence that it is accurate, complete, or legally enforceable. Under 15 U.S.C. 1681s-2 ( b ), a furnisher of information must conduct a reasonable investigation upon notice of a dispute. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. To date : I have not been provided proof that I authorized or agreed to the service. I have not been provided a complete billing and payment history. I have not received documentation establishing XXXX XXXX legal right to collect or report this account. There has been no competent evidence verifying the account is not obsolete under 15 U.S.C. 1681c. Despite this lack of verification, the account remains on my credit report. Continued reporting of unverified or inaccurate information may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute information that can not be verified as accurate and complete. The accounts in dispute are : XXXX XXXX XXXX Closed Account XXXX XXXX XXXX Closed Account XXXX XXXX Closed Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Closed Account XXXX XXXX XXXX Closed Account XXXX / XXXX XXXX Closed Account Pursuant to 15 U.S.C. 1681i ( a ), I am requesting a full reinvestigation of these accounts. Please provide competent verification, including : A copy of the original signed contract or application Proof of legal ownership or assignment of the alleged debt A complete and accurate payment history Verification that the reporting complies with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy requirements ) Additionally, if any of these accounts are being reported by third-party collectors, they must comply with the FDCPA ( 15 U.S.C. 1692g ) by validating the debt. If you are unable to provide the required verification within the 30-day timeframe, you are required by law to delete the accounts from my credit report Consumer Information : XXXX XXXX DOB : XX/XX/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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XX/XX/XXXX check # XXXX in the amount is {$170.00} to XXXX XXXX was returned unpaid, citing invalid signature by PNC bank. PNC had sent a text message to contact them, but I did not recognize the number. I contacted PNC thru app chat to verify the number and was told it was not a valid number, therefore it was a scam text, so I did NOT contact the number. I heard nothing else from PNC. on XX/XX/XXXX I was notified by the XXXX XXXX XXXX XXXX XXXX XXXX my check was returned unpaid and an additional {$19.00} fee would be added. I contacted PNC by main number, which was pointless, and referred to another number, who again said they did nothing wrong and had no interest in making things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
This took place in XXXX of the year XXXX, as I was searching for a part-time job and I found a website to provide me this type of job service that I'm looking for to increase my income since I'm a retired woman handicap and we live in in certain times and I needed to buy little extra things for XXXX. So I went there. Well, it was all a scam, a fraud. Somehow they got my information, they went on to my checking account. And withdraw {$1500.00}, then they did it through a cash shop that they used to scam people and and the bank hasn't done nothing about it. They just want me to pay their money back, but I don't have that kind of funds they need to refund me because I was a victim of a crime of identity, theft and fraud

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 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
XXXX is reporting a collection account on my credit report with a {$0.00} balance. Although the balance reflects XXXX, the account is still being reported as a collection, which is negatively impacting my credit score. If the account has been paid, settled, transferred, or otherwise resolved, it should not continue to report in a manner that suggests an active collection. Reporting a {$0.00} balance collection without properly updating the account status is misleading and inaccurate. Under the Fair Credit Reporting Act, information furnished must be complete and accurate. A collection account with a {$0.00} balance that remains coded as a derogatory collection without proper status update appears to be inconsistent with Metro 2 reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I applied for the XXXX XXXXXXXXXXXX XXXX XXXX card First application ID : XXXX - Applied and get pending, request 4506-C, sent with current job offer letter, get denied because of " couldn't verify some of the information '' on your application. Reapplied after 30 days, application ID : XXXX - Get pending again, resubmitted 4506-C with latest job offer letter and pay stub. Get denied again with same reason. Agent won't give out more details and the letter didn't mention with part of the application are wrong?

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XX/XX/2026 I received an email from Truist Bank that they had opened a checking and savings account. I did not respond to the email but went to their website to find the email address to report phishing/fraud. On XX/XX/2026 I received a letter saying they had blocked the account. I have called and spent two hours on hold to not be able to speak with a person.

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