vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: MO

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

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 2026-05-19 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I look closely at my credit report and check that there is an accuracy on my accounts. I never been late in that. There might be an error in reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account related to attendance at XXXX University. After experiencing academic difficulties and not passing courses, I was informed that I owed a balance before being eligible to return to school. However, I believe the reporting and handling of this account should be reviewed and investigated. I received financial aid during my enrollment, and I am requesting full validation and documentation of the alleged debt, including an itemized breakdown of charges, financial aid disbursements, adjustments, and any calculations that resulted in the balance being sent to collections. I am also requesting verification that the information being reported to the credit bureaus is accurate, including the balance, dates, account status, and ownership of the debt. If the account can not be properly verified or contains inaccuracies, I request that it be corrected or removed from my credit report. I would also like this matter reviewed for fairness regarding how the account was handled and reported, as the collection account has negatively impacted my credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I want this company to remove the history or remark they put on my XXXX report!! They reported suspected fraud when i never even got the chance to use my account. Once it was opened they closed the account and havent sent any proof on why the account was closed! Mind you i never got the chance to use it

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA Federal Savings Bank is in direct violation of Section 15 of its own Send Money with XXXX Terms of Service. The depository contract explicitly states that reimbursement is available for transactions resulting from " qualifying imposter scams. '' On XX/XX/XXXX, my family was targeted by a highly sophisticated bank-impersonation scam where criminals hijacked USAA 's official phone line. Certified carrier phone records prove that at the exact second the XXXX transactions were processed ( XXXXXXXX XXXX EST ), my daughter was trapped on an active 23-minute inbound call from USAAs official number. USAA 's fraud department focused strictly on transactional forensics while intentionally ignoring behavioral forensicstwicefailing to acknowledge that an imposter was actively controlling the victim through a spoofed bank line at the precise moment of transmission. On XX/XX/XXXX, USAA issued two completely paradoxical letters regarding the same unified fraud event : summarily denying my {$1000.00} dispute ( Claim # XXXX ) and threatening the clawback of a provisional credit ( Correlation # XXXX ), while placing my daughters {$900.00} dispute ( Claim # XXXX ) into an active reevaluation track expiring XX/XX/XXXX. The bank 's denial letter came attached with a boilerplate automatic subscription FAQ on how to stop a gym membership, proving gross administrative negligence and a complete failure to provide human review for a high-tier identity theft event. Despite direct executive escalation to the Office of the CEO ( Ext. XXXX ), the bank refuses to honor its written contract and the XX/XX/XXXX XXXX XXXX Operating Rules mandating reimbursement for bank-impersonation scams. I am requesting immediate federal intervention to compel USAA to manually override these automated rejections, convert Correlation # XXXX to permanent status, and fully restore the {$900.00} to the joint account ending in 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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: IL

Complaint narrative:
I had over {$600.00} and fraudulent charges off of my card. I filed a dispute with Cash App about this and I put the exact dates in the description I put XX/XX/year> XXXX XX/XX/XXXX until XX/XX/year> at XXXX XX/XX/XXXX there was almost XXXX charges on my account for casinos now I do play at these casinos, but I was asleep and I did not make any of these charges. Nobody has any kind of access to my account and I had received an email from XXXX stating that my account had been compromised so I put all of this in the original dispute. I won the dispute. They only paid me the XXXX for that original dispute and told me that I needed to go through and individually dispute each and every one of those so I did that and then what happens they close and deactivate my account and then deny my dispute they refuse to give me a copy of my original dispute with the description and everything proving that I had put that in there, they would not let me record, even though they were recording, and they were very unprofessional about this whole thing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: PA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. Such conduct constitutes a clear violation of federal law, and I have formally disputed the items at issue.

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 2026-05-19 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: IN

Complaint narrative:
My Cash App account was permanently closed for alleged XX/XX/XXXXrelated activity. I have never used Cash App for XX/XX/XXXX and have never participated inXX/XX/XXXXactivity through the platform. I contacted support and was told they understand I did not XX/XX/XXXX, but they stated the decision is final and refused to provide meaningful details or a manual review. I am requesting clarification about what specific activity triggered this closure and asking for a proper review of the decision, as I believe the account was incorrectly flagged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I was selling an item on XXXX and was messaged in the app about somebody buying an item. They asked me to send pictures to their husband so I did. They wanted to buy the item. He sent a cashiers check and I deposited. Funds became available the next day and I was completely unaware that could be reversed. He overpaid me so I could pay the movers and gave me the information and I Zelled the movers. Cashiers check was reversed. They were supposed to pick up the item today so I still have them item but am out the Zelle. I was naive and didnt understand how things work and feel like a fool.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: WA

Complaint narrative:
I am filing a complaint against Cash App regarding an unauthorized transaction and the handling of my dispute. On XX/XX/XXXX at approximately XXXX XXXX, {$85.00} was taken from my Cash App account without my authorization. My account was compromised/hacked, and I did not approve or make this transaction. When I first reported the issue, Cash App treated the situation as a scam-related transaction rather than unauthorized account access. I later Clarified after there finishing that it was not a scam that I did not participated in, but an unauthorized transaction resulting from my account being compromised. Despite explaining the situation, Cash App denied my dispute and incorrectly claimed that I authorized the payment. I believe my dispute was not properly investigated as unauthorized account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
I did not receive the merchandise. This is company 's negligence. I dispute this debt in its entirety. Because merchandise was released to an unauthorized individual. While I applied for financing, I never received the goods and did not authorize anyone else to take possession of them. This company allow someone to take the merchandise with me, my signature, or ID. I was advised that all would need to be present to retrieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Galaxy Capital Acquisitions, LLC
State: OH

Complaint narrative:
I did not receive the merchandise. This is company 's negligence. I dispute this debt in its entirety. Because merchandise was released to an unauthorized individual. While I applied for financing, I never received the goods and did not authorize anyone else to take possession of them. This company allow someone to take the merchandise with me, my signature, or ID. I was advised that all would need to be present to retrieve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> Bank of America withdrew {$860.00} from my Bank of America Checking account. Initially my online account information indicated it was a transaction initiated by XXXX or similar name. A couple of days later my online accout information was changed to indicate it was a " DEBIT FOR CHARGED OFF ACCOUNT FDES NCA ''. I called the bank on XX/XX/year> using their XXXX number. There were multiple transfers involved and I ultimately spoke with the Recovery Department. They said the withdrawal was for a secured loan they had written off and they had the right to Offset any money in my accounts. I pointed out that the only money that had ever been in that account was my deposit from XXXX XXXX and a XXXX XXXX XXXX check. The woman I spoke with said she would initiate a review and she thought my XXXX was protected and she knew my XXXX XXXX was protected. She said they would have a definitive answer within 10 days and I should call back then which I did. The same woman said the bank had determined that my XXXX was not protected from an offset and that the bank would take the same amount in the future. IAt that time I questioned the fact that the bank took my money for a loan that they had written off while at the same time they had never made any attempt to collect the loan. The woman said they tried to call multiple times, I reminded her I am an XXXX XXXX XXXX man that does not answer unknown callers because of the frequency of people being scammed. Since then I have written to the Bank of America 's executive office, in XXXX, Florida and not received a response. There is more to the story of why the loan was written off, however the issue I am complaining about is the fact that the Bank of America took money that I have been told was protected from garnishment etc. with no notice, no process, no opportunity to object, nothing. They did send a letter by USPS to me on the same day they took the money but clearly that is not a notice, it was a report of what had been done. In my conversations with the Bank of America representivies which spanned at least a couple of hours I emphasized that the only money I had was what went into that checking account and taking {$860.00}. which represents nearly 20 % of what I have to live on was causing me an extreme hardship.

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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Wise ( operating under Wise US Inc. ) abruptly deactivated my personal account and refused to reopen it under final internal complaint reference XXXX, citing generic boilerplate terms. I provided the company with 100 % financial transparency, including my official 8-page Government Tax Return from XXXX and XXXX XXXX XXXX XXXX XXXX. These official documents conclusively prove that my recent incoming funds of {$220.00} USD were legitimate personal freelance revenue-share earnings. Wise successfully cleared and refunded my remaining balance to my local bank on XX/XX/year>, which legally establishes that my funds carry zero security, fraud, or anti-money laundering ( AML ) risk. The company references a past warning regarding cryptocurrency in their internal files from months ago. However, their official warning explicitly stated they would only take action if I 'repeated ' that specific transaction type. I strictly complied with that warning and have zero repeated violations. Invoking service refusal terms to permanently restrict a fully compliant, tax-paying professional without a valid cause constitutes unfair treatment and an unjustified restriction of consumer funds. I request a high-level manual review of my official tax documentation to restore my account access immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit management and XXXX XXXX both collected payments in the amount of XXXX and XXXX through my account for the same account and still havent removed it from my credit report. They keep calling and taking payments and nothing has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CrossCountry Mortgage LLC
State: KS

Complaint narrative:
Had a change in insurance XXXX months ago, I have called them ( Cross Country Mortgage ) XXXX times and left a message with their front desk. They did cancel my previous insurance now they are changing me for the insurance part of the escrow when I have no insurance registered. My new insurance provider can not get ahold of them aswell and they want to cancel my policy. The mortgage was previously serviced by Rocket Mortgage now it is serviced by Cross Country Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
On XX/XX/XXXX, I booked a stay through XXXX but mistakenly selected the wrong dates ( XX/XX/XXXX instead of XX/XX/XXXX ). Within minutes of submitting the reservation, I realized the error and immediately reached out to the host by phone, left a voicemail, and sent messages requesting a date correction while those dates were still available. Unfortunately, the host refused to adjust the dates and stopped responding to my messages altogether. I never checked in, never received keys, and never utilized the property. Because the service was never received, I disputed the {$300.00} charge with Goldman Sachs ( Apple Card ). Goldman Sachs denied the initial claim, stating the charge followed the merchant 's cancellation terms. However, I am not disputing a late cancellation ; I am disputing a service that was entirely unrendered despite my immediate, documented efforts to correct the booking. On XX/XX/XXXX, I provided Apple Card support with a detailed PDF document containing full-page screenshots and a precise timeline of my communication with the host. While support reopened the case, the dispute was ultimately denied again on XX/XX/XXXX, based strictly on the merchant 's non-refundable policy. I do not believe it is fair for a merchant to retain full payment for a service they know was never provided, especially when immediate contact was made to remedy the mistake. I am attaching my complete timeline and conversation PDF here. I kindly ask that Goldman Sachs review this documentation and consider a permanent reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
Advised company, debt does not belong to pursuant, amounts inaccurate as sent by several letters, Never been served documents, have disputed items, have not provided burden of proof, by way of Wet signature agreements, proof of validation, no consistent debt amounts severe inconsistencies in balances, Company is under a new name, no proof that collection is even validated to collect, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have unauthorized charges they have been charging me from XXXX daily

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 2026-05-19 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: Payward Ventures Inc. dba Kraken
State: NC

Complaint narrative:
I received a suspicious activity alert for my bank, I logged in to see that there was a {$65.00} charge from Kraken XXXX. I do not have an account with Kraken nor did I authorize a charge by them. I told the bank it was suspicious activity, they have since put a stop on my card and will be sending me a new one and they have reversed the charges but part of the process is to file a complaint here.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to dispute inaccurate information appearing on my consumer credit report regarding the following account : Creditor : BRIDGCREST Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Type : Auto Loan / Repossession After reviewing my credit file, I discovered multiple inconsistencies in the manner this account is being reported among the nationwide consumer reporting agencies. Under the Fair Credit Reporting Act, credit reporting agencies are required to maintain maximum possible accuracy of information reported on consumer credit files. The account contains conflicting information, including but not limited to : Different Date Opened values reported across bureaus. Different Last Activity dates reported for the same account. Inconsistent delinquency history and late payment reporting. Incomplete and conflicting account status information. Reporting fields that appear inaccurate, incomplete, or unverifiable. Because the information reported by the your company is inconsistent and can not simultaneously be accurate across all three credit bureaus, I request that your agency conduct a reasonable reinvestigation pursuant to FCRA 611.

Company response to consumer: Closed with explanation