vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding unauthorized transactions totaling {$600.00} that were taken from my Cash App account, which is linked to my XXXXXXXX XXXX XXXX account. On XX/XX/year>, I received an email alert from Cash App notifying me of suspicious activity on my account, including a login attempt from an unknown location. I did not initiate or authorize this login, and I dont use an android device, Ive had an XXXX for the past 8 years Immediately after receiving this alert, I logged into my account and discovered that {$600.00} had already been sent to an unknown individual, followed by an additional {$190.00} transaction. I did not authorize either of these transactions and do not recognize the recipient. I also observed multiple additional attempted transactions in the amounts of {$600.00}, {$500.00}, {$400.00}, {$300.00}, and {$200.00}, which further confirms that my account had been compromised by an unauthorized party. I promptly reported this fraudulent activity to both Cash App and XXXX XXXX XXXX as soon as I became aware of it. Despite this, both institutions denied my claims and refused reimbursement without providing sufficient explanation or evidence that these transactions were authorized by me. This was clearly a case of unauthorized account access and fraud. I did not provide my login credentials, approve these transactions, or benefit from them in any way. I am requesting that both companies : Conduct a thorough and good-faith investigation into this unauthorized account activity Provide all documentation and evidence used in determining that the transactions were authorized Reimburse the full {$600.00} that was taken from my account without my consent This situation has caused significant financial hardship, as these funds were intended for my rent. I acted immediately upon receiving notice of suspicious activity and expected my accounts to be protected against unauthorized access. I am seeking assistance to ensure my rights are upheld and that I am not held responsible for fraudulent transactions resulting from unauthorized access to my account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Company : JPMorgan Chase / JPMCB Card Product : Credit card Issue : Incorrect information on credit report What happened : I am filing a complaint regarding the reporting of a JPMCB credit card account on my credit report. I previously received a notice from this company regarding changes to the account terms and/or servicing. I exercised my legal right to opt out of those changes and submitted my opt-out as instructed. However, the company ignored my opt-out and continued to treat the account under terms I did not agree to. Additionally, during the time this account was active, I was subjected to repeated and excessive phone calls at all hours of the day, including times outside of legally permitted hours. The calls became so frequent and disruptive that I had to threaten harassment action for them to stop. Despite these issues, the account is now being reported with serious negative marks, including : Charge-off/collection status Settled for less than full balance XXXX days late history Due to the companys failure to honor my opt-out request, along with the pattern of harassing communication, I believe this account has not been handled or reported in compliance with federal law. I am requesting : A full investigation into this account Verification of compliance with my opt-out request Removal of this account from my credit report if it can not be fully verified as accurate and compliant If the company can not provide proper documentation showing that my opt-out was honored and that all reporting is accurate and lawful, this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: UT

Complaint narrative:
I am filing a complaint against MOHELA for servicing errors that are preventing my Public Service Loan Forgiveness ( PSLF ) after I have completed XXXX qualifying payments. I made my XXXX qualifying payment in XX/XX/XXXX, processed on XX/XX/XXXX. Afterwards, on XX/XX/XXXX, I contacted MOHELA to request a forbearance beginning after the XXXX payment was completed/posted, and I was explicitly told that my XXXX payment would still count toward PSLF. Instead, MOHELA applied the forbearance retroactively to XXXX, causing that qualifying payment to no longer count. MOHELA has acknowledged that this was their error but has refused to correct it, stating that I must file an appeal that may take up to 90 days. This is unacceptable, as their mistake is directly preventing my loan forgiveness after I met all program requirements. Additionally, MOHELA previously provided incorrect guidance regarding a PSLF buyback application, advising me to resubmit and thereby causing my original application to be canceled and delayed. Furthermore, I was told that making payments during forbearance would expedite my XXXX application. Consequently, I made XXXX payments of {$840.00} ( XX/XX/XXXX, and XX/XX/XXXX ) which I am now told do not count and XXXX take over XXXX year to refund ( if at all ). These payments would not have been made without this misleading guidance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the XXXX XXXX account appearing on my credit report, Account Number : XXXX * * * *. After reviewing my credit reports from TransUnionXXXX XXXX XXXX XXXX, I have identified serious inconsistencies and inaccurate reporting that render this account unreliable and unverifiable. The discrepancies include : - Account status reported as " Paid '' on one bureau and " Derogatory '' on others - Inconsistent high credit amounts ( {$25000.00} vs {$6200.00} ) - Conflicting reporting regarding payment and charge-off status - Inconsistent " Last Reported '' dates, including recent reporting in 2026 - Non-uniform account comments and descriptions across bureaus.

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 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
In the middle of XXXX and beginning/middle of XXXX I wrote several letters to XXXX XXXX XXXX addressing my concerns regarding my mortgage being to high for me to afford due to my spouse leaving and it only being me. I had XXXX surgeries within a year and a half which set me back in a major way. I'm currently on a forbearance, but am needing the proper assistance to bring my mortgage down with a loan modification or something that can help lower my monthly payments to where it's feasible for me. Everytime I speak with an agent they either have an attitude or giving the wrong advice to put you in a more deeper hole. I am requesting that a supervisor or someone in the corporate office reach out regarding my concerns/account. 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 2026-03-25 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I use Wells Fargo. Do you know that my card has been lost since XXXX of this year, and Ive been constantly contacting the bank and trying to get things sorted out because, even though my credit limit is {$11000.00}, the debt is shown as around {$30.00}, XXXX, and Ive filed complaints multiple times, but they claim I made these transactionswhich I didnt. I honestly dont know how they allowed this to happen when my credit limit is XXXX XXXX and now Im showing a debt of XXXX, XXXX. I definitely havent given my card or my information to anyone. My card was already lost, but the bank isnt helping at all, and I cant explain my situation. Ill tell you this : since XXXX, Ive been scammedtheyve been constantly withdrawing money from my account through branches, ATMs, or online transfers. The bank is asking me questions and accusing me, but Im trying to defend myself and and theyre not helping. Im telling them, If I have an {$11000.00} limit, why did you allow so many transactions? How did you let this money go through? Im in a really tough situation and Im mentally broken. Please help me.

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 2026-03-25 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: NC

Complaint narrative:
Phone was stolen on XX/XX/XXXX and defrauded of XXXX. Chime bank refused my claim within 48 hours for the first dispute and within 24 hours for the second dispute and refused to share the dispute findings. I contacted them on XX/XX/XXXX and XX/XX/XXXX and they said they couldn't share the information as they also closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I opened XXXX XXXX credit cards for both my personal and business use and have been using them responsibly for over a year, with no late or missed payments. After providing documentation when requested, XXXX XXXX restricted, then closed my accounts. They also took away my rewards, which amount to over {$5000.00}, and stated I can not use them. I would like assistance reviewing whether this was fair and if my rewards can be recovered

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding catastrophic failures with my Capital One XX/XX/XXXX cards security features and the completely unacceptable customer support I received when seeking help. These failures have resulted in unauthorized charges and the permanent loss of highly sought-after merchandise. Issue XXXX : Fraud Verification Complete Failure ( Occurred Today, XXXX ) Today, I attempted to purchase a highly scarce XXXX XXXX XXXX XXXX ticket exclusively offered by my employer. Your fraud system flagged and declined the charge. I immediately responded to your fraud verification text to authorize the transaction. Despite this instantaneous verification, your system failed to release the payment in time. The merchant ultimately declined the purchase, and I permanently lost my ticket. An " instant '' verification system that does not actually authorize time-sensitive transactions in real-time is entirely broken. Issue XXXX : Virtual Card Lock Failure & Intolerable Customer Support ( XXXX ) Previously, I used a Capital One virtual card for the XXXX ticket lottery. Deciding not to purchase, I explicitly locked and XXXX the virtual card in my dashboard. The charge of {$540.00} still processed, defeating the entire advertised purpose of the lock feature. When I called customer support to resolve this, the agent provided absolutely XXXX assistance and displayed an intolerable attitude. The agent inexplicably insisted I contact " Capital One XXXX '' to resolve the issue. Despite my repeated explanations that the ticket was purchased directly from XXXXnot your entertainment portalthe agent refused to listen, refused to help, and stonewalled my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
On XXXXXX/XX/XXXX a filed XXXX XXXX disputes of transactions on my credit karma account, it's past the XX/XX/XXXXdays for provisional credit. Some credits for the disputes that were settled have been deposited back to my account. But most of them have not. Nothing is said about the withdrawals from my account that were unauthorized that I also filed when I filed a dispute on XX/XX/year>2026. And when I chat with them, they refer me to the customer service number when I call some service number, they say that they that I no longer have an account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this complaint due to the significant difficulty I have experienced trying to resolve a billing issue with Experian. I initially signed up for a free trial of their credit monitoring service and canceled the trial within the appropriate timeframe. Despite this, I was still charged and have not received a refund. Since then, I have made multiple attempts to contact Experian to dispute this charge, but I have been unable to reach a live representative. Their phone system relies entirely on automated identity verification, which has failed in my case because the ZIP cXXXXe associated with my profile appears to be incorrect. Because of this mismatch, the system will not verify my identity and does not provide any option to speak with a live agent. This creates a situation where I am completely blocked from resolving my issue. There is no alternative path to verify my identity, no way to bypass the automated system, and no option to request assistance from a human representative. Additionally, Experian does not provide a direct email contact for customer service, and their chat system is limited to automated responses, which are unable to address or resolve my problem. Overall, Experians customer service system makes it unreasonably difficultif not impossiblefor customers to dispute charges when automated verification fails. This lack of access to a live representative has prevented me from resolving a legitimate billing issue and obtaining a refund I am owed. I am requesting assistance in resolving this matter, including a refund of the charge and a way to verify my identity through a live representative.

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 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding the handling of late fees on my mortgage account with United Wholesale Mortgage. During 2025, I experienced a temporary hardship due XXXX the passing of a close family member, which caused a disruption in my ability XXXX make timely payments. As a result, multiple late fees were assessed on my account within a short period. I contacted the servicer XXXX requested assistance. They acknowledged my situation XXXX waived XXXX late fee ( {$100.00} ). However, they refused XXXX waive the remaining late fees, stating that their policy only allows XXXX waiver per XXXX months. This response is inconsistent XXXX unfair because : * All late fees occurred during the same hardship period, not separate or ongoing issues * The servicer already recognized the hardship by waiving XXXX fee * My account is now current, XXXX I have resumed regular payments * I have demonstrated good faith by continuing payments XXXX making additional principal payments Applying a strict XXXX waiver policy XXXX multiple fees arising from a XXXX hardship event results in unequal and unreasonable treatment. Additionally, I requested a detailed breakdown of : * Dates late fees were assessed * Dates payments were received The servicer refused XXXX provide this information through chat XXXX directed me XXXX call instead, limiting written documentation. I have attached supporting documentation, including : * Payment history XXXX transaction records * Written request for late fee waiver * Chat XXXX email communications with the servicer I am seeking a fair resolution based on the documented hardship XXXX my current standing as a paying customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: AL

Complaint narrative:
I am filing a complaint against XX/XX/XXXX regarding unauthorized transactions from a merchant labeled XXXX. XXXX separate unauthorized transactions were processed from my XX/XX/XXXXaccount balance : XX/XX/XXXX : {$490.00} dispute denied within XXXX day with no explanation XX/XX/XXXX : {$200.00} investigated and credited in my favor Both transactions originated from the same merchant and were not authorized by me. XX/XX/XXXXacknowledged XXXX transaction as unauthorized and refunded it, but denied the other without providing any supporting evidence or explanation. I contacted XX/XX/XXXX multiple times and was told the matter would be escalated, but I never received any follow-up or resolution. The inconsistent handling of identical unauthorized transactions suggests a failure in XXXX investigation process. I have not been provided with any proof that I authorized the denied transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: AZ

Complaint narrative:
Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Collection Account To Whom It May Concern, I am writing to formally dispute an inaccurate collection account that appears on my credit report. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX. Account Number : Not Provided Amount Reported : {$5200.00} This debt is being reported as a valid rental balance ; however, the charges are inaccurate and resulted from circumstances beyond my control. While I was renting the apartment, the property management began major construction and drywall work inside my unit while my children and I were still living there. The excessive construction noise, dust, and unsafe living conditions made the unit uninhabitable. I requested temporary relocation accommodations while repairs were being completed, but management refused to provide any alternative housing. Additionally, management changed the locks and denied me access to the unit, effectively forcing my family to leave without proper notice or legal eviction procedures. Because I was denied access to the property and the unit was unsafe for occupancy, I was constructively evicted. As a result, I should not be held responsible for rent or lease charges after I lost access to the unit. I am requesting that this account be fully investigated and removed from my credit report due to inaccurate and unfair reporting. Please provide verification of this debt, including : A complete itemized statement of charges A copy of the signed lease agreement Proof of legal eviction procedures Proof that the unit was habitable during the construction Proof that I maintained access to the unit during the billing period If this information can not be verified, this account must be deleted from my credit file in accordance with my rights under federal law. I have attached supporting documentation as evidence of unsafe conditions and denied access. Sincerely, Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Current Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone Number : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
Complaint Against : SouthwestCredit Systems, L.P. Issue : Credit Reporting / Improper Handling of Paid Collection Account I am filing this complaint regarding SouthwestCredit Systems, L.P. and their reporting of a collection account on my credit file. On XX/XX/year>, I paid this account in full. At the time of payment, I was informed that the account would be submitted for deletion from all credit bureaus within approximately 60 days. However, despite this representation : The account has already been reported to at least one credit bureau It is expected to be reported to additional bureaus despite being paid No effort has been made to expedite deletion, even after I notified the company that I am in an active mortgage approval process This situation is causing immediate and significant harm, as even a paid collection can negatively impact mortgage underwriting decisions and interest rates. I have made a good-faith effort to resolve this directly with SouthwestCredit and requested : Immediate deletion submission Written confirmation of deletion Expedited handling due to mortgage urgency However, I have not received adequate resolution. I am requesting the following : Immediate submission of deletion requests to XXXX, XXXX, and XXXX Confirmation that this account will be removed from all credit reporting agencies without delay Prevention of any further reporting of this paid account to additional credit bureaus Given the time-sensitive nature of my mortgage process, I am requesting that this matter be handled on an expedited basis. I have attached proof of payment and documentation supporting my request.

Company response to consumer: Closed with non-monetary relief