vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding XXXX XXXX XXXX because an account associated with this company appears on my credit report even though I have never opened an account with them and have never conducted any business with this company. XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type RENTAL AGREEMENT Date Updated XX/XX/year> Payment Received {$1.00} Last Payment Made XX/XX/year> High Balance {$7000.00} Monthly for 24 months XXXX XXXX XXXX XXXX XXXX - - -No Data - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type RENTAL AGREEMENT Date Updated XX/XX/year> Payment Received {$0.00} Last Payment Made XX/XX/year> High Balance {$9100.00} Pay Status Current Account Terms Monthly for 24 months This inaccurate account is negatively impacting my credit score and affecting my ability to qualify for a mortgage. I do not recognize this account and believe it may have been reported in error or without authorization. I am requesting that this account be removed from my credit report with all three credit bureaus ( XXXX, XXXX, and TransUnion ). I also request written confirmation once the account has been removed or corrected.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
Hi my name is XXXX XXXX I am on social security and my social security gose into cashapp and now my account is close they said they found some active on my account they wont tell me what kind of active I had been with cashapp for along time my social security check be going into that account on the XXXX of this month I need that account back open because that the only account I have i need help and I want to sue cashapp this is not the first time I had problem with cashapp please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I obtained an auto loan serviced by Santander Consumer USA for a XXXX XXXX XXXX with an annual percentage rate of approximately 17.38 %. My monthly payment is {$690.00}. Despite making consistent payments, the majority of my payments are being applied to interest rather than reducing the principal balance. For example, on XX/XX/XXXX, my payment of {$690.00} was applied as {$500.00} toward interest and only {$180.00} toward principal. Similar payment allocations occurred on other months as well. On XX/XX/XXXX, {$420.00} went to interest and only {$270.00} to principal. On XX/XX/XXXX, {$470.00} went to interest and {$220.00} to principal. This pattern results in the balance decreasing very slowly despite substantial monthly payments. I contacted the company and requested a clear explanation of the loan structure, including why such a large portion of my payment is applied to interest and what options are available to reduce the interest burden or modify the loan. I did not receive a satisfactory explanation or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX, I took my XXXX to see a XXXX and had to pay over XXXX yuan. The staff at the XXXX XXXX recommended me a credit card called Synchrony Bank, which could relieve stress and had low interest rates. My XXXX and I were both not good at XXXX and agreed that this was a benefit provided by the hospital to patients. So, I applied for a {$8800.00} card to pay for the XXXX XXXX fees. It's been XXXX years now and my card hasn't been paid off yet. I can't understand it either. Later, I asked a friend who is good at XXXX to help me see that the interest rate is 34 %. I borrowed XXXX. I have already paid XXXX and currently owe XXXX. I have already lost my job. My XXXX also has XXXX, so I can't pay the high interest card. I can't accept why I borrowed XXXX and have to repay XXXX. The interest rate of 33 % is high interest. When I applied for the card, the credit card company provided me with a monthly repayment limit, and I paid according to the requirements. However, after XXXX years, the debt suddenly increased and the interest increased

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 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX Amount : {$1200.00} XXXX 2 ) XXXX Amount : {$3100.00} Date Opened:XXXX 3 ) XXXX XXXX Amount : {$980.00} Date Opened:XXXX 4 ) XXXX XXXX Amount : {$1000.00} Date openedXXXX 5 ) XXXX XXXX Amount : {$3200.00} Date OpenedXXXX 6 ) XXXX XXXX Amount : {$2600.00} Date Opened:XXXX 7 ) XXXX XXXX XXXX Amount : {$2400.00} Date Opened:XXXX 8 ) XXXX XXXX XXXX Amount : {$140.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX Amount : {$3400.00} Date Opened:XXXX 10 ) XXXX XXXX XXXX Amount : {$3100.00} Date Opened:XXXX 11 ) XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX 12 ) XXXX XXXX XXXX Amount : {$2800.00} Date Opened:XXXX 13 ) XXXX XXXX Amount : {$1700.00} Date Opened:XXXX Incorrect misspelled names listed : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA 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 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After receiving a email from Equifax notifying me that my personal information has been compromised in a confirmed data breach. I discovered negative and unauthorized information on my credit report, and immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claim, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. This denial has caused significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. UNAUTHORIZED ACCOUNTS LISTED BELOW : 1 ) XXXX Amount : {$1200.00} XXXX 2 ) XXXX Amount : {$3100.00} Date Opened:XXXX 3 ) XXXX XXXX Amount : {$980.00} Date Opened:XXXX 4 ) XXXX XXXX Amount : {$1000.00} Date openedXXXX 5 ) XXXX XXXX Amount : {$3200.00} Date OpenedXXXX 6 ) XXXX XXXX Amount : {$2600.00} Date Opened:XXXX 7 ) XXXX XXXX XXXX Amount : {$2400.00} Date Opened:XXXX 8 ) XXXX XXXX XXXX Amount : {$140.00} Date Opened:XXXX 9 ) XXXX XXXX XXXX Amount : {$3400.00} Date Opened:XXXX 10 ) XXXX XXXX XXXX Amount : {$3100.00} Date Opened:XXXX 11 ) XXXX XXXX XXXX Amount : {$1200.00} Date Opened:XXXX 12 ) XXXX XXXX XXXX Amount : {$2800.00} Date Opened:XXXX 13 ) XXXX XXXX Amount : {$1700.00} Date Opened:XXXX Incorrect misspelled names listed : XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Incorrect addresses listed : XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) XXXX XXXX XXXX XXXX, CA 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 non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Chronology of Events and Statement of Fact 1. XX/XX/XXXX : Trust Formation The XXXX XXXX XXXX was established under a Pooling and Servicing Agreement ( PSA ). According to XXXX XXXX XXXX ( Form XXXX ), the trust officially closed on XX/XX/XXXX. Per the XXXX, the trust was legally prohibited from accepting new mortgage assets after this " closing date. '' 2. XXXX : The " Void '' Assignment An assignment of mortgage was executed by XXXX XXXX XXXX attempting to transfer my mortgage ( Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) into the XXXX XXXX XXXX. This transaction occurred over a year after the trust had closed. Furthermore, XXXX XXXX XXXX had officially withdrawn from the State of Florida in XXXX, making them a defunct entity at the time of the XXXX assignment. 3. XXXX : Contradictory Statements to Regulators Following my foreclosure, a letter from the Bank of America Office of the CEO was sent to the OCC ( in response to my previous inquiries ). In that correspondence, Bank of America denied being the " investor '' or " owner '' of the loan, claiming they had no authority over the asset. 4. XX/XX/XXXX : Execution of Sale ( Instrument # XXXX ) Despite their XXXX denials to the OCC, Bank of America executed a Special Warranty Deed as the " Grantor. '' The deed was signed by XXXX XXXX XXXX, Vice President of XXXX XXXX XXXX XXXX ( Phone : XXXX ), acting as Attorney-in-Fact for Bank of America. 5. XX/XX/XXXX : Financial Liquidation The deed was recorded in XXXX XXXX ( XXXX XXXX, Page XXXX ). While the bank acquired the property at foreclosure for a nominal {$100.00}, this deed confirms a third-party sale for {$78000.00} ( calculated via the {$540.00} Documentary Stamp Tax paid to the state ). Description of the Problem The core of this complaint is a manufactured chain of title and equity stripping. Bank of America relied on an assignment from a defunct entity ( XXXX ) into a legally closed trust ( XXXX XXXX ) to gain standing for foreclosure. The bank then provided conflicting information to federal regulators, claiming they were not the owners in XXXX, only to record a deed in XXXX where they identified as the " Grantor '' and sold the property for {$78000.00}. This process resulted in the total loss of my home and the forced liquidation of my XXXX tenure of employee stock and retirement assets.

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 2026-03-13 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am filing this complaint because Wells Fargo failed to properly investigate multiple fraud reports that I made regarding unauthorized transactions on my account during XXXX and XXXX. Over time, I reported numerous unauthorized charges by phone to Wells Fargo customer service. However, the bank either failed to open proper investigations or currently claims that there is no record of those disputes. Despite my reports, many of these transactions remained on my account without a documented fraud investigation or written determination explaining the outcome. The unauthorized transactions I reported include the following : XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) {$650.00} XX/XX/XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$540.00} XX/XX/XXXX XXXX XXXX XXXX {$92.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$97.00} XX/XX/XXXX XXXX XXXX {$120.00} XX/XX/XXXX XXXX XXXX {$170.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX {$94.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX {$87.00} XX/XX/XXXX XXXX {$220.00} XX/XX/XXXXXXXX XXXX XXXX {$200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$170.00} These charges total more than {$6000.00} in unauthorized transactions. I reported these transactions to Wells Fargo when I discovered them. However, Wells Fargo now states that there is no record of some of the disputes, and the bank never provided written determinations explaining the outcome of the investigations. This raises serious concerns that Wells Fargo failed to properly document or investigate fraud complaints reported by customers. I request that Wells Fargo conduct a full review and audit of my account history and all phone interactions related to fraud reports during XXXX and XXXX. I also request that Wells Fargo reopen and properly investigate all previously reported unauthorized transactions and provide written documentation explaining how each case was handled. Any transactions determined to be unauthorized should be permanently removed from my account along with any associated interest or fees.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Statement of Facts This dispute involves unauthorized transactions on XXXX XXXX and subsequent entry label XXXX rebuttals. Dispute providing Chime with time stamped photos of the people who stoled my money the bank has failed to resolve this claim for over XXXX years. Specific Violations 1.Failure to provide Investigation report ( 12CFR. 1005.11 ) ( d ) ( 2 ). I have formally requested several times the investigation reports and discovery documentation multiple times. In a bad faith attempt to comply the bank sent me copy of my transactions instead of the actual findings.A copy of my transactions is not a investigation report. 2. Clock Manipulation : The bank has repeatedly restarted the investigation clock to bypass federal deadlines for error resolution and to avoid issuing provisional or permanent credit. 3. Failure to Conduct a Reasonable Investigation : The bank has completely ignored my photographic timestamped stamped evidence from the merchant and failed to address XXXX rebuttals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I unfortunately had XXXX major special interest offers expire within XXXX month of each other. XXXX in XXXX, and XXXX in XXXX, I believe if I am correct. I knew it was coming. There was nothing I could do to avoid it. There was no way I could possibly pay off almost XXXX in that time frame. My husband was put down to less than part time from a full time position as of XXXX of XXXX. We had been struggling for XXXX year, emptying savings to survive along with a very modest paycheck and my XXXX XXXXXXXX that pays XXXX bills per month with very little left over. We have had or XXXX on XXXX for XXXX months as well as there was no way we could pay that, so I was certainly not in the position to pay this debt in time for the expiration. I have kept my account very good standing for a long time, many years at this point, always making my monthly obligation on automatic payments. It was finally down below {$200.00} per month and was getting a bit easier. Now with this expiration, I am going to be back well over {$230.00} per month. My husband has just found gainful employment and it is going to take us months to get back to having extra money to settle debts. Of course I was already charged the interest for the last of the XXXX expiring. I am being told by this bank that I would have to pay almost a XXXX dollars in order to possibly get this interest waived. I can not pay {$800.00} in a few weeks. It is impossible. We would need at least to the end of XXXX to try to do this. We are not even going to have a full paycheck coming in until the second week of 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 2026-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: CA

Complaint narrative:
On XX/XX/year>, I initiated an international money transfer of {$2500.00} through Abound. The estimated delivery date provided was XX/XX/year>. On XX/XX/XXXX, I contacted Abound to inquire about the delivery timeline since the estimated date had been updated to an earlier date. They confirmed delivery would occur by XX/XX/XXXX. On XX/XX/XXXX, the money had still not been delivered. I messaged Abound through the app. No response. On XX/XX/XXXX, the app status changed to " Delivered, '' however the recipient confirmed the funds were never received. I messaged Abound again. No response. On XX/XX/XXXX, I reached out to Abound via XXXX direct message and raised a formal complaint requesting proof of delivery and a recipient-side bank statement. Abound then asked me to provide the recipient 's bank statement instead. On XX/XX/XXXX and XX/XX/XXXX, I followed up. I informed them I was unable to log in to the recipient 's bank account due to XXXX issues. On XX/XX/XXXX, I was able to access the bank account, confirmed no funds were received, and sent the bank statement to Abound as proof of non-delivery. On XX/XX/XXXX, Abound acknowledged receipt of the bank statement their first substantive response in weeks. On XX/XX/XXXX, I emailed again requesting an update. On XX/XX/XXXX, Abound responded saying it would take another XXXX business days to resolve. As of today, it has been over XXXX weeks since the transfer was initiated. The funds were never delivered despite the app falsely displaying " Delivered '' status. Due to the urgency of the transfer and Abound 's complete unresponsiveness for extended periods, I was left in a state of panic with no information on whether my {$2500.00} was lost. I was forced to send the same amount through a separate remittance service, incurring additional transfer fees and exchange rate losses. Abound 's pattern of non-communication, misleading delivery status, and repeated delays has caused significant financial harm and emotional distress.

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 2026-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX improperly charged a monthly insurance fee on insurance that had been cancelled. After a few months, it was discovered, and the charges were disputed. XXXX could not dispute the cancellation because other new insurance was purchased because they could not provide the coverage. They paid some of the funds but not all, claiming that the credit card company ( Citi ) had funds due. Citi sent me a check for {$520.00} that I cashed. In XX/XX/XXXX, a statement was sent wherein Citi debited my account for that amount, which created an incorrect balance. I called them several times, and on one occasion went over the XXXX statement, asking how the credits, debits, and the listing of the {$520.00} as a credit, but actually was a debit on the statement. I disputed the balance on all three credit reporting agencies, but none of them could get the problem resolved. This is simple math that the Citi employees are not able to work with. I am uploading the XXXX statement. Under the Account Summary, there is a credit section showing " XXXX Refund as Requested {$520.00} '' and XX/XX/XXXX CitiBank Conditional Credit {$250.00} ( the monthly amount XXXX was charged for several months. The next subsection shows two reversals of XXXX XXXX charges. Going back to the top of the statement, there is another Account Summary of the previous balance payment, credits, and purchases. That purchase amount of {$1000.00}, when reviewing the rest of the statement, includes the {$520.00} that was the report of the check they sent to me. They will not properly account for and acknowledge the system 's improper debit of the {$520.00}.

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 monetary relief