vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, while on a CTA Blue Line platform in XXXXXXXX XXXX I was targeted in a scam in which an individual asked to use my phone under false pretenses. While the phone was in their possession, they accessed my Cash App and transferred {$170.00} to themselves without my knowledge or consent. I identified the fraudulent transaction within minutes and reported it to Cash App before XXXX XXXX the same day. I also immediately requested a reversal of the transaction. That same day, I filed a police report. I was later informed that the case requires further investigation and have since filed an in-person report with the XXXX Police Department XXXX I have been told that a detective will be assigned. Despite reporting the fraud almost immediately and providing all requested information, Cash App has not provided a clear resolution path and has been difficult to work with. I have contacted their support team daily and have not received meaningful assistance or confirmation that a proper fraud investigation is underway. This transaction was not authorized. It was conducted through deception while my device was temporarily accessed by another individual. I am requesting that Cash App : - Conduct a full fraud investigation - Reverse the unauthorized transaction of {$170.00} - Provide documentation of their findings Given the rapid reporting, police involvement, and clear fraudulent circumstances, I believe this situation warrants consumer protection intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MS

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM 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 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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am submitting this rebuttal to the response provided by Dividend Finance. Dividend Finance states that the complaint does not belong to them. However, this response fails to resolve the core issue and instead creates a serious contradiction. Dividend has previously been associated with this loan and has directed me to third parties ( XXXX XXXX and XXXX XXXX XXXX ). I contacted both entities directly, and each has explicitly denied that it services or is responsible for this account. At this time : Dividend Finance denies the complaint belongs to them Referred third parties deny servicing or ownership No entity has identified itself as the lawful creditor or loan servicer This leaves me in a position where no party has demonstrated legal authority to collect, service, or enforce this alleged obligation. Despite this, the account has not been formally cancelled, validated, or properly assigned to an identifiable responsible entity. In addition, to the extent this transaction involves a consumer credit contract subject to the FTC XXXX XXXX, any holder or assignee of the loan remains subject to all claims and defenses that I could assert against the original seller/contractor. A failure to identify the current holder or responsible party does not eliminate these obligations and further underscores the lack of accountability in this matter. I am requesting that the Consumer Financial Protection Bureau require Dividend Finance to provide a clear and complete response addressing the following : Identify the current lawful creditor and loan servicer Provide documentation establishing chain of assignment and authority to enforce the loan Clarify whether Dividend Finance is disclaiming all ownership and responsibility for this account If no responsible party can be identified, confirm that the alleged obligation is invalid, unenforceable, and XXXX A financial obligation can not be enforced where no party can establish ownership or servicing authority. The current situation reflects a breakdown in accountability and compliance that requires regulatory intervention. I request that this matter remain open until a clear and documented resolution is provided. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: VA

Complaint narrative:
I am filing a complaint regarding Optum Financials failure to fully reverse unauthorized XXXX debit card transactions, despite partial refunds and evidence of deceptive enrollment. At the time of the original visit to XXXX XXXX XXXX, my wife believed she was authorizing only a onetime charge for services rendered that day. The recurring nature of the charges was not clearly disclosed, and she did not knowingly agree to any membership, rewards program, or recurring billing arrangement. Any authorization given was therefore executed without informed consent. Because the recurring charges appeared consistent with what she believed was a onetime service, the unauthorized nature of the transactions was not reasonably discoverable at the time the charges first appeared. We notified Optum promptly once the deceptive billing became clear. The merchant refunded XXXX ( XXXX ) payments, and Optum refunded XXXX ( XXXX ) additional payments, acknowledging that the billing was improper. However, Optum has refused to refund the remaining balance of {$2100.00}, relying solely on a RegulationE XXXX notification rule and asserting that notice was late. This determination fails to consider delayed discovery caused by deceptive enrollment, which is a recognized exception under RegulationE. The notification period does not begin until a consumer reasonably becomes aware that a transfer is unauthorized. Identical recurring charges can not be deemed unauthorized for some months and authorized for others without explanation. The transactions at issue also involved cosmetic medspa services that are not XXXXqualified expenses, further requiring correction when disputed. Optum has declined reconsideration and has not adequately investigated or resolved the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing this complaint to request a formal accounting and audit of interest charges applied to my Apple Card account by Goldman Sachs Bank USA. Goldman Sachs charged {$74.00} in interest for XX/XX/XXXX, despite the account being paid in full and resulting in a credit balance of - {$24.00} as of XX/XX/XXXX. The Bank has repeatedly stated that no error occurred but has failed to provide any verifiable calculation supporting the interest charge. Key Facts ( XX/XX/XXXX XXXX ) XXXX. Previous Monthly Balance * {$3600.00} ( as of XX/XX/XXXX ) * Due date : XX/XX/XXXX XXXX. Payments and Credits ( All Timely Posted ) * Cash payments : {$3600.00} ( paid on XX/XX/XXXX prior to cutoff ) * Courtesy credit : - {$25.00} ( XX/XX/XXXX ) * Provisional credit adjustment : - {$64.00} ( XX/XX/XXXX ) XXXX. Final Account Position ( XX/XX/XXXX ) * Total payments and credits exceeded the balance * Ending balance : - {$24.00} ( credit balance ) * * * No unpaid balance * * * * * * No delinquency * * * * * * Account paid in full ( and overpaid ) * * * XXXX. Interest Charged * {$74.00} interest assessed for XX/XX/XXXX XXXX. Statement Representation * Balance subject to interest : {$3400.00} This amount does not reconcile with : * Payments made * Credits applied * Final credit balance -- -Issue -- - Goldman Sachs failed to provide a verifiable calculation of the {$74.00} interest charge despite a credit balance. I am requesting a full accounting. -- -Specific Request for Accounting -- - Please provide : * The exact daily balance used to calculate interest * The APR applied * The calculation methodology used to derive {$74.00} in interest * A reconciliation explaining how interest was charged when the account ended with a credit balance of - {$24.00} Additional Concerns * Interest appears to be calculated using incorrect or inflated balances Prior statements show a pattern of : * Interest charged on prior interest * Interest charged on amounts not yet due The Bank has not addressed discrepancies in : * Balance subject to interest * Payment timing vs. interest accrual -- -Why This Requires Investigation -- - This is not a standard trailing interest scenario. This complaint involves : * Interest charged when no balance is owed * Interest exceeding any remaining balance * Lack of transparency in calculation methodology The Banks responses to date have been general explanations without supporting calculations. Goldman Sachs has not provided a calculation that reconciles the {$74.00} interest charge with the actual account activity and final credit balance. A formal accounting is necessary to determine how this interest was calculated and whether it was applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
My car was totaled out, insurance paid it off while I was waiting I made my usual payments. They have issued me checks as a refund for overpayment. They will not verify these checks and have put stop payments on all of the checks they've issued me. I've called them to ask that they verify the checks and they cancel and send new ones. The total amount I am owed is XXXX, the company that owes me is bridgecrest I bought a 2018 XXXX XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank Branch : Chase Bank, XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date of Incident : XX/XX/XXXX Time of Incident : XXXX XXXX Description of the Issue : On XX/XX/XXXX at XXXX XXXX, I went to the Chase Bank location at XXXX XXXX XXXX XXXX, XXXX, NY, to deposit {$2000.00} cash into the ATM. After I completed the deposit, the ATM screen went blank. When the machine restarted, it printed a receipt that stated : Please contact your bank for a receipt of deposit. I did not receive a standard confirmation receipt showing the deposit amount. I immediately contacted Chase Bank to report the issue. The next day, XX/XX/XXXX, Chase issued a provisional credit to my account for {$2000.00}. However, I later received an email from JPMorgan Chase stating that they had reversed the {$2000.00} credit and would only credit my account {$300.00}. They then withdrew {$1700.00} from my account, which caused my account to go into negative balance. Request for Video Evidence : I have requested that Chase review the security camera footage from inside the bank, which would clearly show that I deposited far more than {$300.00}. I also spoke directly with the security guard who was present at the time and pointed out that the ATM malfunctioned it took my money but did not issue a proper receipt. Chase has refused to review the camera footage, claiming they do not have access to it. They also denied my claim because they said their ATM balanced the next day. In Summary : I deposited {$2000.00}, not {$300.00}. The ATM clearly malfunctioned ( blank screen, then restart ). Chase reversed the full credit without properly investigating. Chase refuses to look at video evidence that would prove my deposit. As a result, I am now out {$1700.00} and my account is negative. I believe Chase has not followed fair investigation procedures. Their refusal to review available video evidence is unreasonable. I am asking the XXXX and XXXX to intervene and require Chase to properly investigate this matter. Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
My XXXX, my identity was used in a data breach with someone fraudulently use my identification on American Express and XXXX XXXX XXXX XXXX, which would be identity theft by the FCRA XXXX, the cool XXXX USC $ XXXX an active as section XXXX of the following account should be removed or blocked within XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
Ncb services has called my job several times and calls my cell phone close to 8 times a day and they will leave messaged that last longer then XXXX min. This has been going on for about a year now

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Company : Truist Bank Issue : Account closure and failure to return funds Complaint : I am filing this complaint against Truist Bank regarding the handling of my closed account and the delay in returning my funds. My account was frozen due to suspected fraudulent activity. I immediately contacted Truist and confirmed that the transactions in question were made by me. Despite this, my account was later closed. It has now been over XXXX days, and Truist has still not returned my remaining balance. I have received conflicting information from multiple representatives. XXXX representative informed me that I could pick up my funds at a branch, while another stated that I must wait an additional XXXX business days for a check to be mailed. These delays have caused serious financial harm. The funds being held were intended for my rent payment. As a direct result of XXXX failure to return my money in a timely manner, I am now in active eviction proceedings. I have already appeared in court, and the judge has granted multiple extensions due to the banks delays and inconsistent communication. I have made repeated efforts to resolve this issue directly with Truist, but I have not been given a clear or timely resolution. Requested Resolution : I am requesting that Truist immediately release my remaining account balance without further delay. I also request that they review their handling of this matter and compensate me for any financial damages caused, including fees or costs related to my eviction proceedings. This situation is urgent, as any additional delay may result in the loss of my housing. Desired Outcome : Immediate access to my funds and reimbursement for damages caused by the delay.

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 2026-04-22 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: CA

Complaint narrative:
On XX/XX/year>, a technical error on XXXX website resulted in a duplicate transaction for a stay at XXXX XXXX XXXX XXXX. I successfully completed and paid for my stay under XXXX ID XXXX ( {$180.00} ). However, a system glitch generated a second, identical reservation for the same guest, hotel, and dates ( March 27-28, 2026 ) under Booking ID XXXX ( {$180.00} ). I have provided Capital One ( XXXX # XXXX ) with undeniable evidence of this billing error, including : Receipts for both bookings proving they are for the exact same night and guest. A translated email from the hotels XXXX XXXX, XXXX XXXX, acknowledging the " situation '' and offering a creditan admission of a service failure. Capital One is failing to conduct a reasonable investigation under the Fair Credit Billing Act. Instead of addressing the Duplicate Processing Error, they are allowing the merchant to hide behind a " non-refundable '' policy for a service I already paid for once. They have repeatedly rejected my evidence as " lacking information '' despite receiving a hand-signed letter and translated merchant admissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Disputed Account Information Account Name : XXXX Account Number : Unknown Reported Amount : {$330.00} This account is being reported inaccurately and without proper verification. Pursuant to the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) and ( iii ), when information is found to be inaccurate, incomplete, or can not be verified after a reinvestigation, a consumer reporting agency must promptly delete or modify that information and may not reinsert it unless the furnisher certifies its accuracy and provides proper notice. Statutory Basis for Removal Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ), information that can not be verif ied is required to be deleted from the consumers credit file. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( iii ), any reinsertion of previously deleted information is prohibited unless strict statutory requirements are met. At this time, this account : Has not been properly verified Lacks sufficient competent documentation Continues to be reported in violation of the FCRA Accordingly, you are required by statute to remove this account from my credit report immediately. If you contend that this account is accurate and reportable, you must provide competent documentary evidence, including : 1. The original signed agreement bearing my signature 2. Proof of CCS legal standing and right to report 3. A complete method of verification as required by federal law Absent such documentation, continued reporting constitutes non compliance with the FCRA. Please provide written confirmation that the CCS account listed above has been deleted from my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Date of Transaction : XX/XX/XXXX This is for a purchase of {$17000.00} purchase made XXXX of XXXX with added delivery using the XXXX XXXX XXXX through XXXX XXXX 's 4 year payment plan with {$2800.00} in interest charges. We were told at the time of purchase specialty items and other high demand products would take 1 year to XXXX years due to COVID delays, demands, and shortages. During this time I stayed in contact with management for updates on the order, I was told not to worry and as long as we were in good standings with our XXXX XXXX XXXX we would be notified when XXXX was on their way. Since then I have been in contact with several managers during the years attempting to receive this order. Due to XXXX not having a corporate phone number and only able to deal with the direct stores XXXX, no resolution or contact has been made on their behalf. In XXXX of XXXX after completing the 4 year XXXX XXXX XXXX XXXX plan, I spoke with XXXX and XXXX XXXX and XXXX XXXX requesting the order be cancelled and refunded to the original payment method with the interest. The credit card was taken out specifically for this home remodel, haven't received delivery and have now paid off the full amount using the Menards Payment Plan. I have paid interest on the card, lost on my property, and have not heard any resolution from the management at the XXXX XXXX XXXX XXXX XXXX. I would like this order cancelled, money refunded to the original payment with the loss of interest on an order that was never fulfilled. Corporations should not be able to steal XXXX from consumers and wash their hands of it

Company response to consumer: Closed with explanation