vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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:
I am filing a complaint regarding an unauthorized {$2000.00} transaction involving my Cash App account and XXXX XXXX. On or about [ XXXX XXXX ], my Cash App account was compromised after I may have clicked a malicious link. Following this, an unauthorized individual gained access to my account without my knowledge or consent. The unauthorized party used my Cash App balance to fund a transfer to XXXX XXXX, sending the funds to a phone number that I do not recognize and have never interacted with. I did not authorize this transaction, did not initiate any XXXX XXXX transfer, and do not know the recipient. I immediately reported the issue to Cash App and filed a dispute. However, Cash App denied my claim, stating that the transaction was authorized, which is incorrect. This transaction was the result of account takeover and unauthorized access, not a legitimate or approved payment. I also requested information from the company, including login history, IP address, and device information associated with the transaction, but this information was not provided. This situation has caused significant financial hardship, and I believe my claim was improperly denied without a full investigation into the unauthorized access and transfer. I am requesting a full reinvestigation of this incident as an account takeover and unauthorized electronic transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I am filing a complaint to the company Robinhood, regarding disputed subscription charges and associated overdraft fees applied to my account following a billing structure change that was not clearly or consistently explained, and to which I did not knowingly consent. I originally agreed to a $ XXXX subscription plan. At a later time, I received a notification indicating that my account billing structure would be transitioned. However, the communication did not clearly explain the full details of the change, the reasoning behind it, or require explicit acceptance in a way that would reasonably indicate informed consent to a different billing structure. Following this transition, I was charged an annual subscription fee ( $ XXXX ), which I did not knowingly agree to. As a result of these charges overdraft fees were also incurred. I contacted Robinhood to dispute these charges and requested a refund. instead of addressing the refund request, the company directed the conversation toward closing my accounts and did not provide a resolution or final determination regarding the disputed charges. Additionally, Robinhood has provided inconsistent explanations regarding the basis for the billing change and charges. At one point, I was informed that the billing structure was associated with the creation of a XXXX XXXX account. In a later communication, Robinhood stated the charges were related to a a Robinhood banking account. these conflicting explanations make it unclear what product or agreement is actually being used to justify the annual subscription charge, and further support that the billing change was not clearly or transparently communicated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I called XXXX on XX/XX/year> at XXXX XXXXXXXX XXXX. But the automated system stated " unable to find your records '' based off my phone number and social security number. Then, another message stated to call " Navient '' if your loans was originally managed by Navient and transferred to XXXX. Next, I called Navient at XXXX. I was on the phone with representative " XXXX for XXXX minutes. '' I asked why my XXXX loan for XXXX University XXXX which has the first disbursement amount of XXXX wasn't configured to the balance for XXXX ( because XXXX was a cancelled amount ). I asked Navient why the principal balance of XXXX of final disbursement FROM XXXX was this total? Navient stated " because of your capitalized FORBERANCE. Again, she stated, because of XXXX. But I am not in forbearance. I have been in XXXX. I asked her how am I going to pay, or try to pay when you put me in forbearance and the interest is so high? I AM IN XXXX. I have been in XXXX the past few years. I AM NOT IN XXXX. So now, a dispersed loan of XXXX is now, according to their records is XXXX because of forbearance interest. So all this time, they had me in forbearance and not XXXX. So the principal balance XXXX from an original disbursement of XXXX is now XXXX??? Ask her how am I ever going to pay when the interest is more than the amount borrowed because you based it off of forberance???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CRED-is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED-is a debt collector. They are falsely reporting on my credit!! Account number is XXXXis 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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: PA

Complaint narrative:
Around XXXX, I got into a home improvement financing agreement through GoodLeap, contracted by XXXX XXXX co, for roofing, gutters, and chimney work. The XXXX failed to complete a significant portion of the work, including all gutters, downspouts, and chimney rebuild, and has since gone out of business. They roofing company also explained that they do not do drywall and electrical but left the house on the inside a complete mess, looked like someone fell through the roof creating a giant hole where it was leaking through onto the XXXX floor and left wires hanging, electrical wires exposed and they only fixed the hole in the kitchen and that was it. Despite the work never being completed, I was charged the full loan amount, and the account has now been sent to collections for over {$56000.00}. This loan includes charges for work that was never completed. I am disputing the validity of this debt under the FTC Holder Rule and due to breach of contract and failure of consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Issue : Unauthorized electronic fund transfer Regulation XXXX violation I am filing a complaint against Navy Federal Credit Union regarding an unauthorized electronic fund transfer ( EFT ) and failure to comply with Regulation XXXX ( Electronic Fund Transfer Act ). On XX/XX/year>, my bank account was debited {$1000.00} labeled as an XXXX payment. I did not authorize this transaction. I immediately contacted XXXX and they have confirmed multiple times that : * There is no loan associated with my account * No transaction exists under my identity * They did not withdraw these funds Despite this, Navy Federal Credit Union conducted an investigation and closed my claim without reimbursement and without providing any documentation or evidence supporting their determination. This constitutes a violation of Regulation XXXX ( XXXX XXXX XXXX ), which requires : * A reasonable investigation of unauthorized XXXX claims * Provision of provisional credit if the investigation exceeds XXXX business days * A written explanation of findings upon denial XXXX XXXX has failed to provide : * Any proof that I authorized this transaction * Any documentation supporting their decision * Any explanation of how this transaction was validated as legitimate I formally requested investigation records and supporting documentation and have not received them. I am requesting the following resolution : XXXX. Immediate reimbursement of {$1000.00} XXXX. Full investigation documentation and explanation of findings XXXX. Confirmation that my claim was properly evaluated under XXXX XXXX This matter has been ongoing for nearly XXXX month and has caused financial hardship and distress. I request immediate regulatory review and resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 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: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
For over a month, I have been unable to access my Gemini account because I am not receiving login verification emails from Gemini at my registered email address. Gemini 's login flow requires an email confirmation before XXXX, so without receiving that email I am completely locked out of my account and can not access my funds. I have tried the following to resolve this : multiple browsers, multiple devices, checked spam and junk folders, created XXXX filters to whitelist gemini.com, and attempted to resend the verification email multiple times. None of these resolved the issue. I submitted a support ticket ( ticket # XXXX ) but could not receive the confirmation email for that ticket either, due to the same issue. I eventually discovered that emails to a different address on the same domain receive Gemini emails fine, which indicates my registered email address has been placed on a suppression list in Gemini 's email delivery system. I called Gemini 's customer support numbers ( XXXX and XXXX ) and was sent to voicemail both times with instructions to submit a support ticket the same channel that is broken due to the email issue. Gemini has no live chat or phone support that reaches a live agent for retail customers. I have funds in this account that I can not access and no viable path to account recovery through any of Gemini 's available support channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: NC

Complaint narrative:
Validation of Debt Request - CREDIT CNTRL - XXXX * * * * * I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am submitting a complaint regarding the reporting of a XXXX late payment on my auto loan with PNC Bank XXXX This auto loan was opened in XX/XX/XXXX and remained in good standing for approximately XXXX years and XXXX months. Throughout the life of the loan, I maintained a consistent payment history, with all payments made within the allowed grace period except for XXXX isolated incident in XX/XX/XXXX. The account was paid in full on XX/XX/XXXX, and subsequently closed on XX/XX/XXXX. In XX/XX/XXXX, a XXXX late payment was reported on this account. Following this, my XXXX XXXX decreased significantly, despite my otherwise excellent credit history, which was previously above XXXX. I contacted PNC Bank and submitted written requests if XXXX and XX/XX/XXXX requesting a goodwill adjustment based on my overall payment history and the account being paid in full. I received written responses dates XX/XX/XXXX and XX/XX/XXXX stating that the reporting was accurate and that no adjustments would be made. no further discretionary review was offered. I am not disputing that a late payment occurred. However, I am requesting reconsideration based on the following : - This was the only late payment during more than XXXX years of account history - The account has been paid in full and is closed - My overall credit history is otherwise excellent - The late payment occurred near the payoff of the loan Additionally, my credit report reflects 100 % on-time payments with no late payments shown in the payment history grid, yet the account is currently marked as 3059 days late. This appears inconsistent and does not accurately reflect the overall history of the account. I have made multiple good-faith attempts to resolve this directly with PNC Bank but have received only standard denial responses without further review. I am respectfully requesting a fair and thorough reconsideration of this matter and a goodwill adjustment to remove the reported XXXX late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Credit Karma, LLC
State: NJ

Complaint narrative:
XXXX XXXX owes me {$25.00} as per their XXXX XXXX for a bait and switch I recently experienced regarding XXXX of the XXXX credit cards I applied for via their website, and they are refusing to pay it. Additionally, the other credit card that I did get ( Indigo ) promised 5 % Cash Back Rewards on my first {$5000.00} gas purchases each year during the application process via XXXX XXXX website, and now the credit card company is telling me that is not the case. I only get 3 % cash back on restaurants, grocery stores, gas stations, and mobile services. This does not benefit me as I rarely go out to eat, I use XXXX for groceries, and I do not pay for a mobile services. Which leaves gas only. And I only applied for the card because it was advertised via XXXX XXXX as 5 %, not 3 %. Between these XXXX situations, clearly XXXX XXXX practices bad business and lures consumers in by using bait and switch tactics. They must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
THEY HAVENT RESPONDED TO MY ATTACHMENTS BELOW THATS HURTING ME PLEASE RESPOND TO MY ATTACHMENTS BELOW IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In XX/XX/year>, I was approved for a Capital One XXXX XXXX credit card. However, I never received the card. I contacted Capital One to request that the card be sent to a different address, and they asked me to submit additional verification documents, which I provided promptly. Ive been then called Capital One multiple times, nearly every day the past week to follow up. Each time, I was told the issue was still being reviewed with no resolution or clear timeline. Despite doing everything that was asked of me, the situation remained unresolved for over a month. Out of frustration and losing hope on my wait, I decided to close the account and reapply on XX/XX/year>, and even thought I explained my whole story to customer service and said I didnt really want to close but I was only doing it because I thought Id get my credit card faster if I just replied, no one advised me that there was a 6 month wait rule, they didnt advise anything and just closed the account. Upon reapplying, I was told I must wait XXXX months to reapply. I am now left without the credit card I was originally approved for, through no fault of my own. The failure to deliver the card, the drawn-out and unresolved verification process, and the lack of any meaningful resolution from customer service all contributed to this outcome. I should not be penalized with a six-month waiting period when Capital One 's own fulfillment and support failures caused the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint against American Express for inaccurate account reporting and failure to properly investigate a billing and payment dispute that I have been attempting to resolve since XX/XX/year>. My account ( ending in XXXX ) is currently being treated as delinquent despite the fact that I made timely payments. American Express is also threatening to report late payments to the credit bureaus, which is inaccurate and damaging. I made payments of {$88.00} on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Some of these were duplicate payments made in good faith due to confusion with autopay processing. American Express later issued corrections : Refund on XX/XX/XXXX : {$88.00} Adjustments on XX/XX/XXXX ( XXXX occurrences ) : {$88.00} each Adjustment on XX/XX/XXXX : {$88.00} After these corrections, there remain valid, on-time payments that satisfy my obligations. At no time was my account legitimately past due. Despite my repeated efforts to resolve this issue since XXXX, including a formal written dispute sent on XX/XX/year>, American Express has failed to respond or correct the issue. This failure to properly investigate and the threat of reporting inaccurate delinquency may constitute a violation of the Fair Credit Reporting Act, which requires accurate reporting and reasonable investigation of disputes. This situation is urgent as it directly impacts my credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am writing to inform you that I have recently become aware of identity fraud involving my personal information. As a result, I believe that a Capital One account may have been opened or used without my authorization. I request that you please investigate this matter immediately and close any accounts associated with my name that were opened fraudulently. Additionally, I ask that you remove any related information from your records and ensure that no further activity occurs under my identity. Please let me know if you require any additional documentation or information from me to assist in resolving this issue. I would appreciate confirmation once the account has been closed and the matter has been addressed. Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I am filing a complaint regarding an invalid debt that has been sent to collections. Within the last few months, I was charged an early termination fee of about {$170.00} by XXXX. I contacted XXXX multiple times regarding this charge and was explicitly told by multiple representatives that the charge would be removed and that I would not be responsible for it. I have documentation, including chat transcripts and a recorded phone call, confirming this. Despite these assurances, the charge has continued to be reprocessed and denied through internal disputes. I have contacted XXXX at least XXXX times, and each time I am told it will be resolved, but no lasting action is taken. As a result, the account was sent to collections through Sunrise Credit Services. I contacted the collection agency to dispute the debt and informed them that this charge is not valid and is currently under dispute with XXXX. However, I was directed back to XXXX without resolution. I have also experienced additional account issues, including being incorrectly informed that I failed to return equipment that I did return, as well as repeated failures in communication where I was promised callbacks or written confirmation that were never provided. I do not owe this debt, and it has been sent to collections in error. I relied on the representations made by XXXX that this charge would be removed. I am requesting : Immediate removal of the debt XXXX from collections Correction of any credit reporting Written confirmation that my balance is {$0.00}

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