vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: AR

Complaint narrative:
Dear Cash App Support Team, I am writing to formally raise a complaint concerning an issue with the Cash App account under the name XXXX XXXX XXXX XXXX. I have encountered significant problems with the account that have not been resolved despite previous attempts to seek assistance. unauthorized transactions, inability to access funds, account suspension, This issue has caused considerable inconvenience and concern. I kindly request a thorough review of the account and prompt resolution of the problem. Please provide clear information on the steps being taken to address this matter and an estimated timeline for resolution. I trust that Cash App values its customers and will handle this complaint with the urgency it deserves. I look forward to your prompt response. Thank you for your attention to this important matter.

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 — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX of XXXX, I used Affirm to finance a purchase of hair extensions from XXXX XXXX totaling approximately {$700.00}. Within 24 hours of use, the product showed clear signs of being defective and not as described. The hair excessively tangled, matted, and shed at the seams. It did not perform like genuine XXXX XXXX hair as advertised. Even unused portions of the product displayed similar defects, indicating the issue existed prior to installation. I contacted the merchant, who denied my request for a refund based on their security tab policy despite the product being defective. I then filed disputes with Affirm and provided supporting evidence, including documentation of the defects videos including clear photo and video documentation of the defects, submitted multiple times. However, Affirm failed to conduct a reasonable investigation. Instead, they relied solely on the merchants return policy and did not address the defective nature of the merchandise. Affirm did not review or meaningfully consider the video evidence submitted. Affirm denied my disputes and later stated they would not reopen my case. They did not provide a clear explanation of how my evidence was evaluated or how their investigation was conducted. I was told it would be taken up to manager and the dispute was delayed and ultimately closed without resolution. As a result, I am being required to continue making payments on a loan for defective and misrepresented merchandise. Affirms actions reflect a failure to properly handle a billing dispute and a lack of fair investigation. I am requesting that Affirm reopen my case, conduct a proper investigation into the defective product, and issue a refund or loan reversal.

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 — Banking errors
Company: Block, Inc.
State: CA

Complaint narrative:
Cash App closed my account stating gambling or other violations of terms of service. I stated to them that I would like to know what transaction flagged my account for ban an that I would like to file an appeal. I wanted to submit evidence that my transactions are all normal use transactions that do not violate terms of service. Cash app failed to supply any detail for me to submit supporting documents. Time lapsed and they completely and perminatly banned my account without me being given due process. They only state that the information was submitted to to correct department and thats it. The said look under the Activity tab for Appeal Submitted dated XX/XX/year> XXXX : - am but there is nothing reflecting on my end that they even submitted dispute. Still dont even know why they banned me. I only have transactions for XXXX, XXXX, XXXX, XXXX, XXXX some money transfers to my husband and caregivers. I dont why they randomly banned me and XXXX cant even have an opportunity at a fair dispute proccess. And cash app employees keep closing chat, ending calls, logging me out, and blocking my phone number. I need assistance and they are very UNPROFESSIONAL.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a follow-up complaint regarding my prior CFPB complaint against Wells Fargo ( XXXX # XXXX ). Wells Fargo closed my dispute without properly addressing key evidence or conducting a reasonable investigation into the validity of the charge. This complaint is not about dissatisfaction with a service. It is about Wells Fargos failure to verify whether the amount charged was supported by evidence. Transaction Details : * Merchant : XXXX XXXX XXXX XXXX * Date : XX/XX/2025 * Amount Charged : {$1100.00} Key Issues Wells Fargo Failed to Address : 1. No Verification of Service Volume The merchants pricing is based on load size. The final charge was justified based on a claimed load size ; however : * No photos or documentation were provided to verify the load * The merchant originally stated the load was approximately XXXX and XXXX loads * The merchant later contradicted this and stated it was actually XXXX loads Wells Fargo accepted these inconsistent and unsupported claims without requiring any objective proof. 2. Failure to Provide Promised Documentation The merchant explicitly stated that photos of the truck/load would be provided after completion so I could verify the amount charged. No photos were provided. When I requested them, the merchant stated they do not take photos when the customer is not present. This directly contradicts what was represented prior to the service. 3. Pricing Discrepancy with Published Rates The merchants own published pricing shows a full load at approximately {$690.00}. I was charged {$1100.00} without any verified justification for exceeding this amount. Wells Fargo did not address this discrepancy. 4. Reliance on Agreement Without Validating Amount Wells Fargo denied my dispute based on the fact that I agreed to proceed via text message. However : * There was no agreement to a specific final price * The price was dependent on volume, which was never verified * My agreement was made after expressing that I had no practical alternative at the time Wells Fargo failed to evaluate whether the final amount charged was accurate or supported. Failure of Investigation : Wells Fargos response demonstrates that they : * Did not require supporting documentation from the merchant * Ignored inconsistencies in the merchants statements * Failed to address missing promised evidence * Focused solely on the existence of an agreement rather than the validity of the charge amount This does not meet the standard of a reasonable investigation under fair billing practices.

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 company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am disputing the reporting of two business accounts XXXX XXXX XXXX AND XXXX XXXX XXXX by American Express on my personal credit report. On XX/XX/year>, I sent a formal dispute via certified mail requesting an investigation, verification of accuracy, and an explanation for reporting this account to my personal credit. The letter was delivered, but I received no response. I was not provided any investigation results or documentation. Despite this, the account continues to be reported and has negatively impacted my credit. I also disputed with the credit bureau, but the account was verified without proper resolution. I am requesting removal or correction of this account and a written response to my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
A consumer installment loan was originated by XXXX XXXX to a New Jersey resident. The Truth-in-Lending disclosure on the loan agreement states an APR of 218.1667 %. Under New Jersey usury law, the maximum legal interest rate is 30 % for consumer loans. I believe this loan may be void or unenforceable under New Jersey usury law as it exceeds that cap by over 600 %. I dispute that any amount is legally owed on this account. XXXX XXXX subsequently sold this account to Nationwide Capital Services without prior notice to the consumer. The account was reported to XXXX on XX/XX/year>. The consumer was not notified of the sale until XX/XX/year>, after the account had already been reported to the credit bureau. Nationwide Capital Services has engaged in collection activity ; however, I did not receive a written validation notice within five days of initial contact as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), assuming they qualify as a debt collector under the statute. No notice of the debt, no disclosure of the right to dispute, and no creditor information was ever provided by Nationwide Capital Services. A dispute was filed with XXXX on XX/XX/year> citing New Jersey usury law and the unenforceability of this debt. The debt was reported as verified in response to my dispute, without any documentation provided to substantiate the validity or amount. This account should not have been reported to any credit bureau as the underlying debt is disputed as void under state law. Based on the above issues, I dispute the validity and enforceability of this debt and request an investigation into the reporting and collection practices associated with this account. I am requesting that Nationwide Capital Services cease collection activity and that the tradeline be removed from my credit reports.

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: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Regarding account number for XXXX XXXX # XXXX, I am unaware of this debt and did not have the opportunity to dispute it. If you believe you sent proper notification, please provide certified mail with a receipt displaying my signature. If not, please delete account number # XXXX from my report as soon as possible ; otherwise, I will take legal action.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am filing this complaint because Bank of America has failed to resolve an issue that has been ongoing for far too long. They claim they have provided monetary relief, yet I have no way to access, receive, or verify the funds they say they issued. Despite multiple requests, Bank of America has not provided any new documents to justify their decisions. They refunded me some money but not all, even though they relied on the same documents for both decisions. This inconsistency has never been explained. I have repeatedly asked for updated NEW documentation, clarification, and a full breakdown of how they reached their conclusions, and they have provided nothing new at all. On top of this, my personal information has been compromised online, and I have received multiple fraudulent messages and scam attempts referencing financial activity. This makes XXXX XXXX XXXX refusal to provide transparency or updated new documentation even more concerning. Their lack of communication and failure to protect my information has left me without answers or confidence in their handling of my account. Because Bank of America has not been transparent, has not provided any new documents, and has not ensured the security of my information, If this doesnt get resolved quickly and refund me I will seek legal representation.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I was told that I had a collection on my credit report and I want it removed

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: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/year>, I booked a XXXX stay at XXXX XXXX XXXX XXXX through XXXX for {$6100.00}, plus {$750.00} for breakfast. The hotel was advertised as a XXXX luxury property. Upon arrival, we experienced serious issues : a male spa attendant was assigned to wash my wife and elderly mother while undressed without consent ; the spa pool had no lifeguard ( a XXXX law violation ) ; the hot tub was dirty with bugs ; pools were unheated in XXXX ; room phones, lamps, and doors were broken ; and service was severely understaffed throughout. On XX/XX/year>, I raised these concerns with hotel management. After waiting over XXXX hours, a XXXX told me " we don't really have a problem '' and refused a refund, citing a non-refundable policy. I checked out that day and relocated to the XXXX at my own expense. On XX/XX/year>, XXXX emailed me confirming : " The property has informed us that they have already completed the refund process for XXXX nights directly with you. '' I never received this refund. I filed a dispute with Citi in XX/XX/year> ( Case ID XXXX ). Citi initially ruled against me, claiming they never received supplemental documentationbut they never sent me a request for it. I then submitted all documentation including invoices, the XXXX email confirming the hotel admitted they owed me a refund, and emails to the hotel and XXXX corporate. Since XXXX, I have called Citi multiple times. Each time I am told " XXXX business days. '' It is now XX/XX/XXXX, XXXX XXXX XXXX I still have no resolution. I have submitted everything requested, the hotel admitted in writing they owe me a refund, and Citi has failed to resolve this dispute.

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: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

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 — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I went to go buy food for dinner and my account is locked I cant buy food or gas and I dont have a way to work. I was told that I had to wait till I got a letter in the mail to call back and they said it could take 10 business to receive which means I am going to have to go 10 days with no food no water I am going to lose my job because I dont have the gas money to drive to work and they wont even tell me why my account was locked or restricted. I am a XXXX guy trying to get back on my feet and all they can tell me is my account is under review

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, American Expressed opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlas Services, Inc.
State: IN

Complaint narrative:
I applied for atlas, looking to see what it was about. It asked me to link my bank account and I did, assuming it was something like linking your account to XXXX or XXXX. They took my direct deposit. Then charged me each time I spent money. I canceled the account. Then I get a notification that they can recieve my direct deposit, which I tried switching to another banking app, but it can take up to pay cycles. No, I have no money from my direct deposit because of atlas.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/year> I transferred {$44.00} from my checking to savings account. They have placed a freeze/ hold on said funds and as of XX/XX/year> my savings account shows XXXX and funds are still frozen I have placed 5 calls to customer support - and utilized their chat feature on theeir website. Today I visited my local branch on XXXX and again was told funds would be available today. They are not. Again I. Called their fraud department and was told the funds shouldve been released today as the hold expired and still XXXX in my savings account without access to funds.

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: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this formal complaint to report a systemic operational failure and severe professional misconduct at the Bank of America branch located on XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX For the past 7-8 years, since moving to this city, I have frequently visited this branch and consistently provided my current, valid drivers license for every transaction. Despite this, the bank failed to update my profile in their system for over XXXX years. This represents a significant lapse in the banks internal compliance and KYC ( Know Your Customer ) obligations. On XX/XX/year>, I was suddenly told my information was " expired '' for years. Instead of taking responsibility for this long-term oversight, the branch manager acted with extreme hostility and unprofessionalism. Specifically : Malicious Service Delay : The manager forced me to wait for 35 minutes for a simple update. I observed the staff member responsible for updates standing idle for over 15 minutes, but the manager refused to let them assist me immediately. Coercive Threats : The manager threatened to close my account if I did not perform the update right away, using account closure as a tool for intimidation rather than acknowledging the bank 's own failure to notify me during my dozens of previous visits. Communication Barriers : The manager was dismissive, hostile, and refused to address the fact that I had been providing my current ID to their staff for years without any correction being made.

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: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I contacted the company and ask them to stop calling me as I don't have any business with them, they keep calling 2 to 3 times a day

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