vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: PA

Complaint narrative:
I noticed that for no reason in my Opinion CashApp closed my Account and all I did was use it as intended to receive and send money to people I know and used it while out on the road trucking for a living and they keep up with the saying it was due to they supposedly found activity that violated their Terms and Conditions and therefore closed my account I appealed it multiple times keep telling me it is final all I can think of is I did report multiple unauthorized transactions on my account that I did not recognize and if that means they expect their customers to accept being charged for things they do not receive than where is this even legal i feel they most likely trumped up the charges and pocketed the money themselves and this happened just after I started getting into Investing through their app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I disputed this account with the credit reporting agencies and it was marked as verified. However, on XX/XX/year>, I sent a written request for validation of this debt to the collection company under the Fair Debt Collection Practices Act ( FDCPA ). I requested documentation including the original creditor, account details, itemized amount, and proof of their legal authority to collect. The company failed to provide proper validation of the debt. Despite this, the account continues to be reported on my credit report. I believe this is inaccurate and a violation of my rights, as the debt has not been properly validated

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express Im in XXXX called to verify and they chose to cancel my card instead of taking verbal authorization. I want my points and benefits honored. I agree I will no longer do business with Amex. They need to honor my benefits that were paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I am filing this complaint against Credit Acceptance Corporation regarding the handling of my auto loan following a total loss accident, along with ongoing reporting inaccuracies and failure to validate the debt upon request. My vehicle was declared a total loss, and during this time I had already been engaged in a formal dispute process with Credit Acceptance. I sent multiple written requests via certified mail requesting : XXXX. A complete accounting ledger of all payments made XXXX. A properly executed retail installment contract bearing my authenticated signature XXXX. Proof of lawful assignment and chain of title XXXX. Verification of a valid and perfected security interest To date, Credit Acceptance has failed to provide the requested documentation. Instead of responding to me directly, Credit Acceptance communicated with third parties, including my insurance company ( XXXX XXXX ) and XXXX, to secure proceeds from the total loss claim. I was not provided proper written notice explaining how the insurance proceeds would be applied, nor was I given a breakdown of the remaining balance. On XX/XX/year>, Credit Acceptance was sent a payment of {$4700.00} from the insurance proceeds without providing me a full accounting or validation of the debt. Additionally, there are significant inconsistencies in how this account is being reported : Credit Acceptance is reporting to XXXX and XXXX that I have only paid approximately {$9000.00} toward the loan, despite their own payment history reflecting a significantly higher amount paid. The original loan amount is reported as {$30000.00} with a remaining balance of approximately {$21000.00}, which does not align with the payments made or insurance proceeds applied. Despite these discrepancies, Credit Acceptance continues to attempt to collect a deficiency balance. This conduct is unfair and deceptive. I have been denied transparency regarding how my payments and insurance proceeds were applied, while also being subjected to inaccurate credit reporting and continued collection efforts.

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 2026-03-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under XXXX U.S.C. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: MD

Complaint narrative:
Last year, my phone was cloned by an abusive ex an since then, my accounts have been used for various transactions without my permission or authorization. Most recently between XX/XX/XXXX and XX/XX/XXXX, there were XXXX cash app transactions made by way of account takeover. Without consulting me, XXXX XXXX and Netspend XXXX XXXX, colluded with the criminals to get away with sending/receiving funds from my checking account without permission from me. They made an erroneous final determination based on fraud and lies. I escalated to their office of the XXXX and they have still not acted to resolve this error. Now I am forced to escalate, put my financial health at risk. Also, now I fear retaliation so I am forced to file this complaint as Netspend still gets the bulk of my pay each month. My other bank accounts were also affected but I was immediately made whole once I shared the proof that I was under attack by a gang of thieves.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit report by Caine & Weiner. This account ( Account Number : XXXX ) is being reported as a collection account with a balance of {$520.00}. I dispute the validity and ownership of this debt. I have previously requested verification of this account, including documentation proving that I am legally obligated to this debt, as well as the method of verification used to confirm its accuracy. To date, no such documentation has been provided. The company continues to report this account without providing : - A signed contract or agreement with the original creditor - Proof that Caine & Weiner has legal authority to collect this debt - Documentation supporting the balance and payment history Additionally, this account continues to be reported despite being disputed, which raises serious concerns regarding compliance with the Fair Credit Reporting Act. This is a violation of : - XXXX U.S.C. XXXX ( b ) ( failure to ensure maximum possible accuracy ) - XXXX U.S.C. XXXX ( failure to conduct a reasonable investigation ) Because this account remains unverified, it should not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: Chime Financial Inc
State: ME

Complaint narrative:
I filed a dispute ( claim XXXX ) on my Chime Credit Builder card ( account ending XXXX ) for a {$1400.00} charge dated XXXX. The merchant is not following their own return policyI initiated the return on time, but they delayed the refund and stopped responding to me. Chime denied the dispute, stating no billing error occurred ( attached email dated XXXX ). They plan to add the full {$1400.00} to my statement due XXXX. This violates Regulation Z credit card billing error rules, as merchant failure to honor their return policy is a valid billing error. I requested reconsideration through Chime but got no response or refusal. Chime must reopen the case, provide denial reasons/evidence, and issue provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: GUARANTEED RATE INC.
State: IL

Complaint narrative:
XX/XX/year> - Case # XXXX Please see attachments : Violations : Pursuant to : XXXX XXXX & XXXX Statutes * Federal Rules of Evidence Rule XXXX * Federal Rules of Civil Procedure : Rule XXXX ( b ) ( XXXX ) - Rule XXXX - Rule XXXX ( a ) * Truth In Lending Act ( TILA ) * Unjust EnrichmentMortgage LACK OF SUBJECT-MATTER JURISDICTION FAILURE TO VALIDATE DEBT ; CONTRACT IS VOID ; NON-ENFORCEABLE DUE TO LACK OF LAWFUL CONSIDERATION ; NO LOAN INVALID ASSIGNMENT BREACH OF CONTRACT VIOLATION : XXXX U.S.C. SS XXXX, XXXX ILCS XXXX ( c ) XXXX XXXX XXXX has failed to respond to Motion to Compel. XXXX filed a foreclosure complaint on XX/XX/year>. I timely responded and served discovery ( interrogatories/requests to produce ) seeking validation of the actual debt and proof of funding. They send a depository account as a verification which is not the same as validating the debt. I also provided expert forensic reports : Forensic Loan Analysis Report, Mortgage Audit Report Deluxe Extended XXXX, Investigative Analysis Report, MERS Analysis Report, and Contract Analysis Report. They have not rebutted these analyses with competent evidence or provided the requested funding records. Under FRE XXXX and Illinois law, expert/technical analysis is admissible when grounded in reliable methodology. XXXX Acres, XXXX XXXX at XXXX ; XXXX XXXX XXXX XXXX XXXX at XXXX. Defendants audits document : ( a ) missing TILA/RESPA disclosures XXXX ( b ) absence of objective validation; and ( c ) standing defects ( assignment of mortgage without assignment of debt ; missing allonges/endorsements ). Plaintiff has not supplied counter- evidence that cures these deficiencies. A mortgage is incident to the debt ; without proof of the underlying debt, the mortgage can not stand. XXXX, XXXX U.S. at XXXX. An assignment of mortgage alonewithout the debtis a nullity. XXXX, XXXX XXXX at XXXX. Plaintiffs reliance on copies of the Note/Mortgage does not satisfy the burden to prove ownership of the debt for value and lawful consideration. A promise to pay can not, by argument, however ingenious, be made equivalent of actual payment XXXX XXXX. XXXX XXXX XXXX, XXXX Utah XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Your Information Your Information Your Information Address : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Country : United States Email Address : XXXX Phone Number : XXXX Alternate Phone : Contact Preference : Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : JP MORGAN CHASE BANK, N. A. Account/Product Type : Checking Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : United States Email Address : XXXX Phone Number : Complaint Complaint Complaint Complaint The Complaint concerns JP MORGAN CHASE XXXX XXXX N. A. refusal to process XXXX XXXX XXXX submitted instruments and eligible collateral. How can your complaint be satisfactorily addressed? respectfully request that JPMorgan Chase Bank : XXXX. Acknowledge receipt of this directive for transfer and crediting of funds ; XXXX. Accept and credit all funds transferred on my behalf into the designated Private Client account ; XXXX. Provide written confirmation of receipt, including date, amount, and transaction reference numbers ; XXXX. Notify me of any additional documentation required to complete or facilitate the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: TX

Complaint narrative:
Formal Dispute of XXXX Unauthorized Transactions Totaling {$4800.00} ( Regulation XXXX Violation ) I am filing this complaint againstChimeand its partner bank ( The XXXX Bank, XXXX Bank, XXXX. ) for multiple violations of XXXX Fund Transfer Act ( XXXX ) andRegulation XXXX ( XXXX CFR XXXX ). Between XX/XX/XXXX and XX/XX/XXXX my account was hit XXXX unauthorized transactionstotaling {$4800.00}. These transactions were processed back-to-back for a merchant labeled " XXXX XXXX XXXX. '' Despite this being a clear and obvious pattern of high-velocity fraud for digital goods, XXXX fraud detection system failed to freeze my account, verify the transactions, or protect my funds. Key Evidence of XXXX : XXXX XXXX : A Chime representative confirmed these XXXX transactions originated inDelaware. I am a resident XXXX XXXX, TX. I have provided Chime with XXXX Maps location history proving I was in Texas at the time of these charges, making it physically impossible for me to have authorized them. Lack of Authorization : I did not authorize, benefit from, or have any knowledge of these transactions until they appeared on my account. Failed Dispute Process : I have disputed these charges XXXX separate times. Each time, I provided a formalDemand of Refundletter and proof of my location. Chime has denied all three claims without providing any credible evidence that I authorized these transfers. XXXX Violations : UnderRegulation XXXX, the burden of proof lies with the financial institution to prove a transaction was authorizednot on the consumer to prove it wasn't. Chime has failed to meet this burden. Furthermore, I am formally demanding, pursuant XXXX CFR XXXX ( d ) ( XXXX ), that Chime provide me with all documents, logs, and evidence they relied upon to deny myclaim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding overdraft fees on a business account with Wells Fargo between approximately XXXX and XXXX. The account was held under XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and I was the authorized signer. I contacted Wells Fargo on XX/XX/XXXX through their online feedback form to request a review of this issue, but it has not been resolved. During the time the account was active, I closely monitored it on a daily basis due to frequent deposits and outgoing transactions. I observed a consistent pattern in which transactions appeared to post in a high-to-low order rather than in chronological order. For example, larger transactions would sometimes appear as the only pending item earlier in the day, and later smaller transactions would post, effectively reordering the transaction sequence. This resulted in the account balance being reduced more quickly and led to multiple overdraft fees that likely would not have occurred if transactions had posted in chronological order. This pattern occurred repeatedly over time, at times involving numerous transactions per month, and resulted in significant overdraft fees. I am requesting that Wells Fargo conduct a full review of the account history to determine whether overdraft fees were assessed due to transaction reordering practices, and refund any fees that were improperly charged. I also request a clear explanation of the transaction posting order policies that applied to this account during that timeframe.

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 2026-03-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OK

Complaint narrative:
I am filing a complaint against Newrez LLC XXXX Shellpoint Mortgage Servicing regarding serious servicing errors on my mortgage account. My escrow account was improperly calculated after my homeowners insurance was reduced from approximately {$12000.00} per year to approximately {$3300.00} per year. Despite this, the servicer continued charging approximately {$1000.00} per month for escrow. I had approximately {$9000.00} in escrow at XXXX point, yet the servicer failed to pay my homeowners insurance, causing my insurance company to send my account to collections and damaging my credit. The servicer has also retained approximately {$5000.00} in escrow funds and claimed a check was issued, but I never received it. They have refused to return these funds. Additionally, I received inconsistent and conflicting information from multiple representatives and was placed into a trial loan modification without clear explanation or proper follow-through. The servicer also sent an agent to my property who falsely reported it as abandoned, despite the home being occupied, and entered areas of my property inappropriately. These servicing failures have resulted in foreclosure proceedings being initiated against me. I am requesting a full correction of my account, a proper escrow analysis, return of any excess escrow funds, correction of credit reporting, and investigation into these servicing errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Venmo provided a statement claiming the {$200.00} was returned to my account and that I spent it. However, my Venmo transaction record does not show any such transaction ever occured. The statement that Venmo provided does not contain any transaction that shows a credit of {$200.00} from XXXX XXXX. XXXX XXXX confirmed to me that they did release the hold on my account for {$200.00}, but my Venmo card balance never increased by that amount. I have my complete Venmo card transaction history, and there is no transaction showing that I received {$200.00} back to my card. Venmo has refused to discuss this matter with me further and refuses to resolve this problem, despite being proivided with this information because they maintain they gave the money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Horizon Digital Finance Holdings, Inc
State: NV

Complaint narrative:
I used the website XXXX to complete a soft pull auto loan prequalification. During the application process I was redirected without warning to a page that appeared to be part of their identity verification process. I later learned that this page belonged to a third party called XXXX which is operated by XXXX XXXX. On that page I was required to enter my full credit card number expiration date security code and billing zip code. Immediately after entering this information an unauthorized XXXX dollar charge was made on my card. Subsequently another charge for {$39.00} was attempted. My bank flagged this as fraud. and I reported it as such. I did not authorize this charge and I did not knowingly agree to any service subscription or trial from XXXX or XXXX XXXX. I attempted to contact myautoloan through their website to ask why I was redirected and whether they authorized XXXX or XXXX XXXX to collect my financial information. I received only an automated ticket confirmation and no information. I also attempted to contact XXXX using the email addresses listed on their website. All of them returned as undeliverable. The company does not provide a working mailing address or a working privacy contact. I was never shown any terms or privacy policy before my information was collected. I was never informed that I was leaving the myautoloan website. I had no reason to believe I was interacting with a different company. My concern is that myautoloan redirected me to a non compliant third party that attempted to charge my card and collected my financial information without proper notice or consent. I am requesting that the CFPB investigate the redirect behavior on myautoloan.com and the involvement of XXXX and XXXX XXXX. I want confirmation that my information has been removed and that no further charges will be attempted.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation