vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was trying to get a XXXX from this guy on XXXX. We agreed on trading vehicles plus an extra XXXX on my side. He sent my number to the delivery company. They told me, to deliver it, it costs XXXX. That's all they said at first. I sent it. They then told me that they couldn't send it without another XXXX. I never got told about the XXXX until AFTER I sent the XXXX. And they told me I couldn't get a refund unless the car was at my house. I told him to just cancel, give me my money back because I didn't have XXXX. They declined and declined. Cash App did not accept my dispute, when I asked why, they said they couldn't give me any information and to start a new dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX Called Citibank with a representative from XXXX to see if any accounts were opened with my social security number. Citibank could not find any accounts. XX/XX/XXXX contacted Citibank and reported possible fraud due to receiving an email about a disbursement of {$25000.00} for a personal loan. XX/XX/XXXX Contacted Citibank again and was told this would not be my responsibility and I would receive a letter in 5 to 10 business days. XX/XX/XXXX contact Citibank ro follow up and was told I would be getting a letter once the investigation was completed. XX/XX/XXXX Received a letter from Citibank stating my claim was denied due to lack of evidence. No one from Citibank contacted me for any additional information to support my claim. XX/XX/XXXX Called Citibank requested to speak to a supervisor and escalated the process. XX/XX/XXXX XXXX ( supervisor from Citibank ) reopened my case in light of information I shared. This info was shared multiple times prior to my conversation with XXXX. I requested multiple times a case number and Citibank advised me they had no number to give me. Two checking accounts were opened in my name with XXXX and XXXX XXXX XXXX. I received two debit cards in the mail that were not opened by me. XXXX account was closed on XX/XX/XXXX and XXXX closed on XX/XX/XXXX. XX/XX/XXXX called Citibank and requested to speak to a supervisor. I was given a case number XXXX XXXX. XX/XX/XXXX Citibank left me a message but did not leave a name or number to call back. XX/XX/XXXX Called Citibank back with the number on my caller ID and left a message and havent heard back.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
This complaint is for cash app. I've used their service for years. And I've had issues with fraudulent charges mostly listed as XXXX or other XXXX products. And at first they handled it for me. And I had XXXX blocked for further charges to my account. But eventually the charges started coming for other account listed under the same name. Bypassing the blocked account. Idk if from fraudulent accounts or if it was actually XXXX. Also transactions would be blocked for blocked accounts but sometimes after multiple attempts to charge my account, the transactions would go thru. It was a flaw in cash apps system. I've lost XXXX because of it. Around tax time mainly last year. And when I disputed those transactions, their response was to restrict my account. Block me from using a cash app card. But still allow my account to be charged by XXXX. Late XXXX I lost my phone and I wasn't able to recover my account. I didn't use the account from XX/XX/XXXX to XX/XX/XXXX. I decided to recover the account because money had been deposited into it several times over the past few months. After spending hour 's getting into the account. I got in to find the money gone. XXXX again. So I disputed the charges over the phone. Verified my identity 5 times plus. Then received a email telling me my account was restricted untill I verified my identity again. I clicked the link and it went to an error. And all I got was my account closed through an automatic tos violation. I lost my account due to problems with their system algorithm. Non human decision. So I appeal it and I get a run around from their agents, and no chance to explain my issue. And likely lose all those funds again. Cash apps system errors and problems have cost me XXXX of dollars and they could care less. Their service is XXXX. I need help resolving this issue. I'm pretty sure their terms do include the allowance for misappropriation of funds and stealing money that isn't theirs to keep. If so something needs to be done to fix this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: FL

Complaint narrative:
I am disputing a XXXX account that was sent to collections while an active billing dispute remained unresolved. My account accumulated charges totaling approximately {$800.00}, including repeated $ 100 monthly data overage fees and returned payment fees. I made multiple good-faith attempts to resolve the account, including submitting payments and contacting XXXX through customer service and Executive Relations. I filed an FCC complaint ( File # XXXX ) after XXXX failed to address my concerns. Comcasts response did not address the disputed charges and instead provided a generic billing summary without validating the accuracy of the fees or resolving the issue. I specifically requested a full itemized breakdown of charges, clarification of data overage fees, and written communication regarding resolution. XXXX did not provide a meaningful response and continued to send duplicate, non-substantive communications. Despite this ongoing dispute and lack of resolution, XXXX disconnected my service and subsequently sent the account to collections. I have documentation of the billed amount, but XXXX has failed to validate the charges or resolve the dispute prior to collections activity. The existence of a bill does not confirm the accuracy or legitimacy of the debt. I am requesting : Full validation and itemization of all charges Removal of the account from collections while the dispute is under review Correction or deletion of any inaccurate credit reporting A written resolution addressing the disputed charges in good faith This account was escalated to collections without proper resolution, and I believe this reflects improper handling of a disputed debt.

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 2026-04-30 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2025, while traveling in XXXX ( XXXX ), I was approached on the street by an individual who directed me to a store ( merchant : XXXX XXXX XXXX ) to purchase a herbal product. I was explicitly told the total cost would be approximately XXXX AED ( ~ {$27.00} USD ). During the transaction, I was distracted and no receipt or itemized pricing was provided. After leaving the store, I discovered that my Apple Card had been charged {$340.00} USD, which was never disclosed or agreed to prior to authorization. I immediately disputed the charge with Goldman Sachs ( Apple Card ), explaining that the transaction was obtained through misrepresentation of price. I provided a sworn affidavit and supporting documentation. Goldman Sachs denied the dispute, stating that I agreed to the amount. However, they have not provided any evidence demonstrating that the amount of {$340.00} USD was disclosed to or authorized by me prior to the transaction. I formally requested copies of all merchant-submitted evidence, including receipt, proof of price disclosure, and authorization records. Goldman Sachs did not provide this information and upheld the charge without substantiating their conclusion. This is not a dispute about product quality. This is a case of fraudulent inducement and unauthorized transaction amount due to deceptive pricing practices. The bank failed to properly investigate the misrepresentation and did not provide the evidence relied upon in its decision. I am requesting reversal of the charge and disclosure of all evidence used to support the banks determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) Via Online Portal : consumerfinance.gov/complaint Re : FDCPA Violation Failure to Respond to Debt Validation Request Respondent : Midland Credit Management XXXX XXXX Account ) To Whom It May Concern, I am submitting this complaint against Midland Credit Management for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Approximately 30 days ago, I mailed a formal debt validation letter to Midland Credit Management via certified mail. To date, I have received absolutely no response. Under the FDCPA, 15 U.S.C. 1692g, a debt collector is required to cease collection activity upon receipt of a written validation request until the debt is properly validated. Midland Credit Managements complete failure to respond constitutes a clear violation of federal law. Furthermore, their continued reporting of this unvalidated debt to the credit bureaus during this period represents an additional violation. Summary of Violations : 1. Failure to respond to a written debt validation request within a reasonable time period, in violation of 15 U.S.C. 1692g 2. Continued credit reporting of an unvalidated debt, in violation of the FDCPA and FCRA 3. Failure to provide proof of the original debt, including a signed agreement, complete payment history, or documentation establishing Midlands legal right to collect Resolution Requested : I am requesting that the CFPB investigate this matter and compel Midland Credit Management to immediately : ( 1 ) provide full debt validation as required by law, or ( 2 ) permanently delete this account from all three of my credit reports XXXX XXXX XXXX XXXX and cease all collection activity. I am prepared to provide supporting documentation, including the certified mail tracking confirmation showing delivery of my debt validation letter, upon request. I take this matter very seriously and respectfully request a prompt investigation. I am also prepared to pursue all available legal remedies, including consulting a consumer law attorney, as many handle FDCPA violations on a contingency basis with statutory damages of up to {$1000.00} per violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: ID

Complaint narrative:
Ive been a Cash App customer for years. I recently got a notice my account was closed for using it for reasons they do not support. I havent got the exact reason why it was closed. I use the app to send/receive money from family or friends and pay bills or buy things with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Steel River Systems, LLC
State: FL

Complaint narrative:
I had a past delinquent credit account with XXXX XXXX XXXX. I spoke with a representative ( XXXX and XXXX ) at XXXX and negotiated a settlement amount ( {$2100.00} ), which I paid. The representative informed me that the remaining balance would either be charged-off or that I could file it on my taxes as a loss. XXXX then sold the debt to STEEL RIVER SYSTEMS , LLC without my knowledge who contacted me by phone. The XXXX representative informed me they bought my debt and I disputed the debt with him at that time and he told me to " prove it ''. The XXXX collections later reported on my credit report and I have not heard back from any XXXX representative.

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 2026-04-30 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: NY

Complaint narrative:
On XX/XX/XXXX, a $ XXXX monthly maintenance fee was charged to my business account for falling below a {$10000.00} minimum balance requirement. I contacted customer service on XX/XX/XXXX, and the representative reversed the fee as a courtesy and explained the balance requirements. During a subsequent call on XX/XX/XXXX after another fee was charged on XX/XX/XXXX for having a low balance before I called on XX/XX/XXXX and received the explanation as to why this happened. At that time, a representative specifically recommended and helped me set up a " Low Balance Alert '' notification. I was told this feature would serve as a safeguard to ensure I could transfer funds immediately to avoid future fees. Relying on this official bank solution, I activated the alerts and promptly transferred funds to the account as soon as I received alerts. Despite diligently moving funds to maintain a balance well over {$10000.00} as soon as I was notified via Wells Fargo in-app push notifications and text messages, I discovered in XXXX that monthly fees had been charged In XXXX and XXXX. When I contested these charges, Wells Fargo representatives stated that their own notification systems " can be delayed '' and " can not be relied upon '' to manage account balances. I escalated the matter to the XXXX XXXX XXXX XXXX, which reiterated this stance, refusing to refund fees incurred while I was using the banks recommended technical solution. Summary of Claims : Misrepresentation of Services : The bank recommended a specific technical feature ( Alerts ) to solve a recurring fee issue, then later claimed that same feature is unreliable for its intended purpose. Failure to Mitigate : Despite following the banks specific instructions to avoid fees, the banks internal system failures resulted in financial loss. Refusal of Reasonable Resolution : The bank has refused to take responsibility for the inaccuracy of its own automated systems, even after a formal internal escalation. Desired Resolution : I am seeking a full refund of all monthly maintenance fees {$100.00} charged since the date the bank representative ( XXXX, XXXX, XXXX and XXXX ) instructed me to rely on the notification system as a balance management tool. Thank you, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
This is a follow up to my previous claim about the fraud and {$800.00} missing. I was contacted by an XXXX from the consumer complaints department to be my case manager. They closed my case right after speaking to her on the XXXX after she gave me her number and office hours. No explanation nothing. I called her two days ago and no response. Again just proves this is an awful bank.

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 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I am submitting this complaint regarding an unresolved XXXX XXXX XXXX XXXX ( XXXX ) reconsideration buyback application ( Case # XXXX ), which I originally submitted in XX/XX/XXXX. Despite the significant amount of time that has passed, I have received no meaningful updates, no clear status, and no timeline for resolution. My application appears to be stalled without explanation. This delay is causing direct financial harm. Due to the lack of processing on my buyback request, I am now being forced to continue making monthly student loan payments that are stretching my already limited budget amid rising cost-of-living expenses. These payments may ultimately be unnecessary if my buyback request is processed and applied as intended under XXXX. I have made substantial progress toward XXXX eligibility. Based on my records, I have would have already exceeded XXXX qualifying payments with buyback or am within approximately XXXX payments of reaching full eligibility ( currently showing XXXX with XXXX payments not showing due to employment recertification requirements and lack of attention to updating counts in a time manner last update showing XX/XX/XXXX ). The unresolved buyback request directly affects my ability to receive loan forgiveness in a timely manner. For nearly XXXX years I was in a SAVE forbearance and could was under the assumption that payments made during this time would not qualify. It has now become apparent that payments at any amount would have qualified. At no point was this communicated and so now my full XXXX $ XXXX payment is due and bound to rise with XXXX payment plans coming in XXXX. I have made good faith efforts to follow all program requirements and submit the appropriate documentation. However, the lack of responsiveness, transparency, and timeliness in processing this request raises serious concerns about loan servicing practices and the administration of the XXXX program. I am requesting : -Immediate review and processing of my buyback application ( Case # XXXX ) -A clear and accurate update on the status of my case -A defined and reasonable timeline for resolution -Clarification on whether payments made during this delay will be credited appropriately toward XXXX or refunded if found to be unnecessary The prolonged delay and lack of communication are unacceptable, particularly given the financial impact and the importance of timely XXXX processing for borrowers nearing forgiveness eligibility. I am requesting prompt intervention to resolve this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I am submitting a complaint regarding a rental debt that is currently being reported by a third-party collection agency. This account does not appear to be collected or reported directly by the original apartment community, but instead by a collection agency. I have concerns regarding the accuracy and completeness of the information being reported. Specifically, I am requesting verification of the full account details, including the original creditor, the total balance, and the authority of the collection agency to collect and report this debt. At this time, I have not received sufficient documentation validating the accuracy of this account or confirming that all reported information is complete and correct. I am requesting that this matter be investigated, and that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I request that the collection agency provide proper validation of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Prosper Marketplace, Inc.
State: AR

Complaint narrative:
On XX/XX/XXXX my Prosper marketplace credit card payment was due, I recently changed my auto pay bank information on XX/XX/XXXX I called in on XX/XX/XXXX to make sure my payment was drafted correctly, they told me since I had just changed the bank information that it would not go through until the XXXX payment and asked me to make a payment over the line so that it wouldnt be late I agreed. This morning XX/XX/XXXX I checked my bank account and saw that two payments were posted. I called prosper first they tried to lie to me telling me that I had updated the auto draft in XXXX, which is impossible I opened up the bank account in XXXX and that is why I had changed the information. They played the blame game lied and were unable to help, their resolution was for me to call my bank.

Company response to consumer: Closed with explanation