vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Formal Complaint : Failure to Provide Billing Notice & Restrictive Payment Practices Account : XXXXXXXX XXXX XXXX XXXX XXXX Subject : Dispute of Finance Charges and Violation of TILA/CARD Act Notice Requirements Executive Summary I am filing this complaint due to Bank of Americas failure to provide a periodic billing statement or notification, and for maintaining a payment barrier policy that prevents electronic payments from external accounts, effectively forcing a manual intervention that benefits the bank via finance charges. Timeline of Events XX/XX/year> : Account opened and enrolled in paperless billing with email notifications. XX/XX/year> : Estimated payment due date ( No email notification or statement was ever received ). XX/XX/year> ( XXXX XXXX ) : Upon checking the mobile app proactively, I discovered the missed due date. The app explicitly do not have the option to pay from an external account. XX/XX/year> ( XXXX XXXX ) : Contacted customer service. While the late fee was waived, the representative refused to waive the finance charge despite the banks failure to notify me of the balance. Representative Statement : I was informed that the system intentionally disables external account payments once an account is overdue to force a phone-in payment. Legal and Ethical Violations 1. Violation of the Truth in Lending Act ( Regulation Z ) Under 12 CFR 1026.5, a creditor must provide a written/digital statement at least 21 days prior to the payment due date. Because no notification was sent to my verified email, the bank failed its delivery obligation. Charging interest ( finance charges ) on a balance the consumer was never notified of is a direct violation of these consumer protections. 2. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Preventing a customer from using an established external payment method specifically because they are overduethereby making it harder to cure the delinquencyappears to be a predatory practice designed to maximize interest accrual and " forced '' contact.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
Cash App denied my request to order a physical Cash App Card and refused to provide any reason for the denial. Support told me : We werent able to approve your Cash App Card order and can not provide further information. Please do not attempt to order at this time. You may be able to order a card in the future. I asked for the reason for the denial, whether it is temporary or permanent, and whether there are steps I can take to restore eligibility. Cash App has not provided a meaningful explanation or any corrective steps. I am seeking : the specific basis for the denial, confirmation whether the denial is temporary or permanent, any steps required to restore eligibility, review by an escalation or compliance team, a written response that addresses the actual issue rather than a generic support script.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Timeline Discontinued service with XXXX around XX/XX/XXXX. I paid my final bill that was prorated in the amount of {$74.00} I never traded in any device. I received a refund check around XX/XX/XXXX in the amount of {$670.00} A year later I receive a random invoice from XXXX XXXX XXXX XXXX XXXX XXXX Stating I owe {$670.00} with no explanation. So essentially XXXX years after I cancel service and receive a refund from previous fees paid. I was sent to collections. Reference correspondence received from XXXX XX/XX/XXXX attempting to collect {$800.00} the account was disputed and returned to XXXX. XXXX has since sent this account to TSI Transworld Systems to collect which has also been disputed. A dispute was filed with the credit bureaus on several occasions which XXXX has verified as accurate. Please see attached letter from XXXX admitting they will be sending documentation. Which they have not supplied this entire time. I dont owe any debt, never attempted to trade in any device as they allege. I have proof of my old closing bill and service with a new carrier.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Charged for furniture never fully delivered Merchant refused pickup Debt is invalid Credit reporting is inaccurate XXXX FORMAL DISPUTE INACCURATE ACCOUNT REPORTING ( FCRA VIOLATION ) Account : XXXX XXXX TD Retail Card Services Balance Reported : {$9200.00} To Whom It May Concern, I am submitting a formal XXXX dispute regarding the above-referenced account, which you have continued to report as Charged Off. This account is factually inaccurate and legally unverified for the following reasons : The merchandise ( couch/sectional ) associated with this account was never fully delivered. I notified the merchant multiple times and requested that the incomplete items be picked up. The store XXXX explicitly stated they would not retrieve the items, despite the order being incomplete. The transaction was never properly fulfilled, and therefore the balance being reported is invalid. The account was effectively closed due to failure to complete delivery, not due to non-payment of a valid debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information. Reporting a full balance for goods that were never fully delivered constitutes inaccurate reporting. I am demanding the following : Immediate deletion of this account from my credit report OR Full correction of the balance to reflect {$0.00} due to non-fulfillment of goods Additionally, please provide : A copy of the original signed contract Proof of complete delivery Itemized billing showing what was actually received If you are unable to provide this documentation, this account must be deleted immediately. Failure to correct or delete this inaccurate information will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint with the Florida Attorney General Potential legal action for willful noncompliance under FCRA I expect a full reinvestigation within the required XXXX period. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Someone posing as the company XXXX emailed me to set up payment processing for goods I was selling on XXXX platform through PayPal. Thinking it was valid ( it was my first time using the platform to sell goods ), they were able to gain access to my PayPal account when I followed the prompts to login. Then, a prompt for confirmation of a code coming from a company called XXXX XXXX XXXX. I ( was trying to finish this up as I was trying to leave, so unfortunately ) gave them the confirmation code without understanding what it was. This confirmation code popped up because the scammer had created a XXXX XXXX account and was trying to use my PayPal account to buy and transfer crypto to another account. XXXX was a go-between so the purchase looked authorized in PayPal. After submitting the confirmation code I realized the scam and contacted PayPal immediately. I was also able to successfully cancel every XXXX of my methods of payment in PayPal. So I saw charge attempts on XXXX credit cards and my savings account that was linked to PayPal but was able to block all of them due to each institutions safeguards. So for days I thought I was in the clear because a charge didnt go through from any of my accounts. But PayPal apparently has none of the same protections in place that banks, or my XXXX credit cards had, so despite informing PayPal, I was unable to stop PayPal from making a payment what appeared to be XXXX days later! Since I had frozen everything, PayPal just pulled the funds from my PayPal savings ( in effect, stealing it from me themselves ). Ive gotten nowhere with PayPal because they say theyve already paid XXXX and the purchase looks real. XXXX said they were unable to do anything because the transaction was already complete. The scam took place XX/XX/XXXX and they successfully stole {$490.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I attempted to send a debt validation request via certified mail, but the letter was returned as undeliverable due to an invalid address. The company is reporting on my credit file but can not be contacted, which raises concerns about the accuracy and legitimacy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a fraud alert and was then contacted by someone personating Wells Fargo. I was mislead in real time and did not knowingly authorize the transaction, which ended up taking out ALL of my money from both my checking and savings account.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: IDAHO CENTRAL CREDIT UNION
State: ID

Complaint narrative:
On XX/XX/year> I have made a purchase on XXXX for XXXX dollars. I refused it on delivery because of undisclosed fees. I tried to go through XXXX to receive my refund and they said they would issue it within XXXX hours and to call back if I didn't receive it. This happened repeatedly for weeks. I then contacted ICCU to have them help me get my money. They closed the dispute in XXXX favor and told me XXXX told them they had offered to send me a refund if I paid the fees. I never received this offer from XXXX. The bank then said that I needed to work it out with XXXX. So I called XXXX and they said they will contact the seller to issue me a refund within XXXX hours. They did not mention any fees that I would need to pay beforehand. So I called the bank back to discuss this because it wasn't lining up and the person I talked to said that since I initiated the transaction and they sent it through then they did their job and if I wanted to try to reopen the dispute with more evidence, I could. How am I supposed to submit more evidence when I can only have phone calls with XXXX support and they refuse to send an email containing what we discussed. And I can only submit evidence in pdf or photo forms since they don't take audio files. I asked if they as a bank are supposed to help their customers when it comes to scams or fraud and they said that it isn't their job and that they are just there to put the transaction through. And the person I talked to was very unprofessional and just kept saying well that's XXXX for you and that he didn't make the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
o whom should I direct my concerns? My name is XXXX XXXX XXXX. In XX/XX/year>, I had {$8000.00} deducted from my TD Bank account by XXXX XXXX XXXX. I have visited my TD Bank branch to verify the reason for the withdrawal, but they were unable to provide me with any information other than the names XXXX XXXX XXXX. When I contacted them to verify their identities, they provided me with their information. However, when I provided them with my last XXXX digits of my Social Security number, I discovered that I owed no money. In XX/XX/year>, I received a letter informing me that I was required to report to the Supreme Court in the XXXX due to the outstanding balance of {$8000.00} owed to XXXX XXXX XXXX Upon my arrival at the court, I was informed that the funds were not mine ; they belonged to my mother, whose identity had been stolen in XXXX. We did not discover her identity until XXXX. To obtain a police report for the stolen identity, we visited the XXXX Police Department. I have been to court twice, and the court provided me with an XXXX. However, I have been unable to access my funds at XXXX TD Bank branches, as they have not been able to process the XXXX. I am now seeking access to my funds and am unable to do so without resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I purchased a Platinum Membership from XXXX XXXX XXXX for {$5100.00} ( Order # XXXX ) using my Chase XXXX credit card. After purchase, I was blocked from accessing the training content I paid for. I contacted XXXX XXXX XXXX to request a refund and cancellation. They refused and stated their policy is to lock accounts. I never received their terms and conditions prior to purchase. I initiated a chargeback with Chase, which was denied. I contacted Chase again with new evidence, including a written email from the merchant confirming they locked my account, and requested the dispute be reopened. Chase refused to reopen the dispute or provide any resolution. I am requesting the CFPB investigate Chases refusal to resolve this billing dispute and XXXX XXXX XXXX refusal to refund a service they prevented me from accessing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
A transaction was charged against my account from XXXX XXXX. I do have an account with the however, the Subscription was canceled in XXXX of 2026. I also explained to them that the renewal was cancelled and that XXXX did cancel and indicated that I would not be charged. I reported this as an unauthorized payment PayPal who indicated that they confirmed that this transaction was valid and continued to try and charge my account. I had to contact my Bank XXXX and place a stop payment for the charge of {$79.00} PayPal is now showing me with a Negative balance of {$79.00} I've spoken to multiple people who have suggested all of the following. 1. I must have clicked on a different link 2. XXXX has the ability to charge for another year even if I cancel 3. The reason I am overdrawn is that PayPal refunded this amount to my account - NOTE : There is no deposit from PayPal to my account at all Each time I was either transferred to a non-english speaking representative, transferred to a closed department or placed on hold and forgotten. Now when I call PayPal it tells me that my account is overdrawn and has been referred to another department for collections

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: WI

Complaint narrative:
Complaint Against U.S. Bank Stop Payment Failure and Contradictory Statements I am filing a complaint against U.S. Bank regarding a failed stop payment and conflicting written communications related to a bill pay check. Summary of Issue : I scheduled a bill payment through U.S. Banks online bill pay service to XXXX XXXX XXXX XXXX XXXX in the amount of {$1000.00} on XX/XX/year>. On XX/XX/year>, I placed a stop payment on this transaction. Despite this, the check was cashed on XX/XX/year>. Contradictory Statements from U.S. Bank : I received two written communications from U.S. Bank that directly contradict each other : 1. A letter stating that the bank sent the payment to the biller and even requested that the biller waive late fees. 2. A separate letter from U.S. Bank Digital Claims Services stating that a stop payment was placed and prevented the payment from being sent. Both statements can not be true. If the stop payment prevented the check from being sent, there should not have been a negotiable check available to be cashed. Banks Explanation : When I contacted U.S. Bank, I was told that the payee ( XXXX ) was somehow able to get around the stop payment because the original bill pay check number ( XXXX ) was different from the number used when the check was processed ( which appeared as a variation of my account number ). This explanation is not acceptable. As the issuing bank, U.S. Bank is responsible for ensuring that stop payments are properly enforced, regardless of how a check is presented or encoded. Impact : * Unauthorized withdrawal of {$1000.00} after a valid stop payment was placed * Significant time spent attempting to resolve the issue ( multiple transfers and disconnections when calling customer service ) * Loss of confidence in the bank, resulting in closure of multiple accounts Requested Resolution : 1. Full reimbursement of {$1000.00} 2. A written explanation reconciling how : * A stop payment was confirmed, * The bank states the payment was not sent, * Yet a check was still negotiated and paid 3. Copies of all supporting documentation, including : * The front and back of the cashed check * Check issuance details ( including check number and date issued ) U.S. Banks inconsistent explanations and failure to enforce a stop payment represent a serious breakdown in their bill pay and payment control systems.

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 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am filing a complaint against Harris & Harris Ltd. regarding repeated harassing phone calls related to an alleged medical debt. For several months, I have received near-daily calls from this company. The calls consistently ring only once and disconnect before I can answer. This appears to be a deliberate tactic to prompt a return call and is disruptive and distressing. I contacted the company to request that this behavior stop. I requested to at least let the phone ring more than once so I have a chance t answer it. During that call, the representative was unprofessional, dismissive, and ultimately hung up on me without addressing my concerns. I believe this pattern of repeated hang-up calls constitutes harassment and violates the Fair Debt Collection Practices Act ( FDCPA ), specifically prohibiting repeated calls intended to annoy, abuse, or harass.

Company response to consumer: Closed with explanation