vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX SSN ( Last 4 ) : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Fraud / Disputes Department XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : FCRA/FDCPA Dispute Fraudulent Account / Identity Theft Re : Account ending in XXXX To Whom It May Concern : I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally dispute the above-referenced account reported by XXXX to ChexSystems under my name. ACCOUNT DETAILS Furnisher : XXXX Reported For : Suspected Fraud Activity RTN/ACCT # : XXXX Date of Closure : XX/XX/XXXX Reported Amount : {$310.00} UNPAID Address on File : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX BASIS FOR DISPUTE I did not open, authorize, or use this account. The address associated with this account XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MD XXXX is not and has never been my address. I have never resided there. Notably, XXXX itself flagged this account for Suspected Fraud Activity, which further supports my position that this account was opened or used without my authorization. My current correct address is : XXXX XXXX XXXX, XXXX, MD XXXX REQUESTED RELIEF I request that XXXX : 1. Conduct a reasonable investigation into this disputed account ; 2. Immediately cease reporting this account to ChexSystems and all other consumer reporting agencies ; 3. Delete or correct the account in all consumer reporting agency files ; 4. Provide me with documentation of the investigation results ; and 5. Provide any account-opening records ( application, IP address, ID used ) so I may pursue an identity theft claim. Please be advised that under 15 U.S.C. 1681s-2 ( b ), XXXX is required to investigate this dispute upon notification by ChexSystems. Continued reporting of this unverified, fraudulent account may subject XXXX to liability under 15 U.S.C. 1681n and 1681o

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: OR

Complaint narrative:
My mortgage transferred from XXXX XXXX XXXX Selene Finance on XX/XX/year>. At the time, I had an active, approved medical forbearance from XXXX XXXX valid through XX/XX/year>. During the XXXX XXXX transfer XXXX period, Selene ignored this agreement. They improperly marked my account delinquent, blocked my online payment access, XXXX charged unauthorized {$30.00} property inspection fees. I have spoken with Selene representatives on numerous occasions XXXX provided them with my approved XXXX XXXX forbearance documents multiple times. I also sent multiple certified Notices XXXX Error ( including on XX/XX/year> ) containing my forbearance proof. On recorded phone calls ( XX/XX/year> XXXX XX/XX/year> ), Selene verbally admitted my forbearance was active XXXX promised XXXX waive the {$30.00} fee. However, instead of providing the promised written confirmation of my original agreement, Selene deceptively sent a " XXXX unemployment forbearance '' form XXXX pressured me XXXX sign it. I am fully employed, my medical hardship is completely resolved, XXXX I refuse XXXX sign a fraudulent document that overrides my legally binding XXXX-month forbearance. This is a deceptive servicing practice. My loan is XXXX XXXX. I am ready XXXX resume my regular {$1200.00} payments on XX/XX/year>. I qualify for a XXXX XXXX XXXX ( which moves the arrears XXXX the end of the loan XXXX preserves my XXXX % interest rate ). I explicitly reject any loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/26 my account at bank of america was hacked. I received a call from a FBI agent who told me that my account was closed. Stated that money from my account is gone. He went on to say about XXXX he said that bank of america employee 's might have something to do with this. A lot of violations against bank of america for fraud going on in these banks. XX/XX/26 the FBI called again and asked me to go to a bank of america near me. So I went into got their and he said I going to give you some proof that I am a FBI agent by sending me a letter on my text of the address of XXXXXXXX XXXX XXXX XXXX XXXX. Explaining what they do this agent asked me to go into the bank but before he said now you don't have money in your account I just deposit XXXX of money into your account. He asked me to go into the bank and take out XXXX if the employees of bank of america gives it to you it's against violations. So I asked for the cash the employees gave it to me. He want to know the names of the tellers. Then he wanted to go to another bank and take out XXXX inanother bank of america. It felt like I was being watched I was so scared because he told me if I tell anybody even my family I will be put in jail. I did what he asked of me. XXXX men in different cars pick up XXXX different amount of money XXXX XXXX and other XXXX. I informed bank of america on XX/XX/26 about the incident i also informed the police in XXXX because the phone number was track to XXXX. Contracted the real FBI report fraud bank of america fraud department. I didn't know ehat else to do. I was shaken up by this XX/XX/26 XXXX bank of america to get a summary of my transaction and balance. XX/XX/26 their was a transaction from saving to checking which I did not do. I did not transfer money the FBI impersonator read to me my XXXX last digits from my checking account. The Impersonator had locked my account the open my account. I was never notified by bank of america of the transfer between accounts. I didn't know until XX/XX/26 my summary said it all. I walked bank of america that day he said I transfer the money I said where the proof he didn't answer.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: MS

Complaint narrative:
I requested a payoff amount from XXXX, the creditor, XXXX arranged for my credit card company XXXX send a check XXXX pay off the loan on XX/XX/XXXX. Although the check was mailed, it was never applied XXXX my account. I initiated the payoff because I am being charged {$4.00} per day in interest. I have called multiple times over several weeks, but the payment has still not been processed. After XXXX days, XXXX Bank canceled the original check and reissued a new XXXX, which also has not been processed. I can provide documentation confirming that XXXX Bank issued XXXX mailed both checks. I have spoken with several customer service representatives XXXX a XXXX at XXXX, XXXX they informed me that they can not accept a credit card payment XXXX pay off the loanonly a check. I am trying XXXX transfer the balance XXXX my credit card company, which offers XXXX % interest for XXXX months, but XXXX continues XXXX charge daily interest XXXX has not worked with me XXXX resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against Venmo regarding an unjustified account suspension XXXX withholding of my funds. My Venmo account was suspended, XXXX approximately {$320.00} of my money has been held for over a week. These funds came from legitimate sales transactions ( XXXX separate payments from the same customer ). Venmo requested verification, including a copy of my driver 's license, which I provided promptly. Despite complying with all requests, I have received no meaningful response, no timeline for resolution, XXXX no explanation for why my funds continue XXXX be held. My account remains suspended, XXXX I am unable XXXX access my money. This lack of communication XXXX prolonged withholding of funds is causing financial inconvenience XXXX appears unfair XXXX unreasonable. I am requesting that Venmo : Immediately release my funds Provide a clear explanation for the suspension Restore access XXXX my account or provide a valid reason for continued restriction I would appreciate prompt resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
This is in response to Cash App 's response on my original claim # XXXX. I was not provided any way to respond to Cash App 's denial of my claim. The CFPB portal only displayed there response, and there was no option available for me to reply, dispute there findings, or provide additional evidence. This prevented me from fully participating in the resolution process. Transaction amount {$2500.00} Date of transaction XX/XX/year> Cash App case # XXXX Cash App denied my dispute on XX/XX/year> then later stated to the CFPB that this case is still open. This complaint is related to my original claim # XXXX. Cash App provided a misleading response stating my case is still open, even though they already sent me a denial letter they denied my dispute. I was not given the option to respond, so I am submitting this to request further review and correction. In my original case Cash App denied my dispute and refused reimbursement. However in there response to you ( the CFPB ) they stated the case is still open and under review. This is very contradictory and misleading. A case can not be both denied and still actively under review at the same time. I remain without my funds, And this has caused significant financial hardship. This was an accidental transfer, and I made every reasonable effort to resolve the issue directly. Before escalating.. I am requesting a clear and accurate explanation of my case status, along with either : 1 A proper reopening and investigation of the dispute, or. 2 Full reimbursement of my funds Due to the inconsistent and potentially misleading information provided, I am also requesting further review of this matter. I am also requesting a clear and definitive resolution on this matter. Cash App must either properly reopen and investigate this claim or provide reimbursement. Their current response is inconsistent and does not resolve this issue. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I myself have a mortgage thru Carrington Mortgage Services. I started having problems with my roof, I end up having a link in my roof and the roof need replaced. My insurance company sent me a check that had to be sent in so they can sign off on the check. I sent in the check a month later never received the check. My insurance company sent out another check I over nighted the check required a signature. The check was signed for, I call the same day asking can I pay to get the check overnighted back. I was told no, can you inform me when it would be sent out, the contacted me on the XX/XX/XXXX email says the check was mailed out. Its now XX/XX/XXXX still no check no communication I called asked for a supervisor, i was told no supervisor could help, this company professionalism is horrible. When I was with XXXX never had these type of problems. The first check disappeared this is the second check looks like it has disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I had my federal an state refund deposited to my cash app account problem was I went thru a rough patch lost my phone an I barely got one two days ago they let who ever got my old number log into my account didn't request identity verification especially since it was a new device now turns out ALL MY MONEY WAS SPENT AN MY ACCOUNT CLOSED BECAUSE OF SUSPICIOUS ACTIVITY! NO XXXX THEY DIDNT EVEN VERIFY TO MAKE SURE it was. Me I need MY money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a scam in which an individual impersonated a representative of Bank of America XXXX convinced me XXXX transfer funds under the pretense of securing my account. I reported the incident XXXX Bank of America immediately on the same day XXXX within the same hour the fraudulent transaction occurred. I also filed a police report XXXX provided all relevant details XXXX the bank. Initially, the bank placed a hold on the transferred funds, which indicated that the transaction might still have been recoverable. However, XXXX my surprise, the bank removed the hold the following day, despite my immediate fraud report XXXX ongoing investigation. They were able XXXX have access XXXX sending me codes via Bank of America XXXX access my personal information. I lost XXXX in the process.

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
Account XXXX XXXX # XXXX I am unaware of this debt, XXXX did not have the opportunity XXXX dispute this account. If you believe you some proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
During the billing period of XX/XX/year> through XX/XX/year>, I made multiple payments on this account in the amounts of XXXX, XXXX, XXXX XXXX. These payments were later marked as returned, XXXX the account was reported as past due. A past due fee of XXXX was also applied, XXXX the balance exceeded the credit limit due XXXX fees XXXX reversals. I disputed this information with the credit bureaus multiple times. However, the disputes were either closed without correction or not properly investigated. The reporting is inaccurate because payment activity exists, yet the account is being reported as delinquent. Any internal payment processing or reversal issues should not result in negative credit reporting. I am requesting removal of the inaccurate late payments XXXX delinquency, or correction of the account XXXX reflect accurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am finding collection accounts on my credit report that were charged off XXXX this agency is reporting that I owe them XXXX I do not have any account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing XXXX XXXX XXXX XXXX accounts that are being reported on my credit report as accurate and verified when they are not. I previously requested full validation of these accounts, including the original signed credit application, contract, account-level documentation, XXXX proof of authorization. In response, XXXX XXXX XXXX admitted in writing that they are unable XXXX provide a copy of the application. This written admission clearly establishes that the accounts can not be properly verified. Despite this, the accounts continue XXXX be reported with balances as if they were validated. If the creditor can not produce the original signed application or contract, then the accounts are not verifiable XXXX should not be reported. Continuing XXXX report unverifiable information is inaccurate and misleading. This is a violation of the Fair Credit Reporting Act, including XXXX XXXX. XXXX ( b ) XXXX XXXX ( b ), which require maximum possible accuracy XXXX proper investigation of disputed information. I have already attempted XXXX resolve this matter directly with the company, XXXX they failed XXXX provide the requested documentation. I am requesting the immediate deletion of both accounts from all credit reporting agencies, as they are inaccurate, incomplete, XXXX unverifiable.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: Chime Financial Inc
State: GA

Complaint narrative:
I purchased a patio set from XXXX for XXXX dollars the set was missing parts so I returned it in hopes XXXX get a replacement XXXX said they didnt have a replacement in stock so they issued me a refund the refund never showed up I went back XXXX XXXX XXXX said its been sent from there end XXXX XXXX check with my bank I asked them for a receipt which they printed out for me as well as an confirmation email which they also provided I disputed the amount with chime provided all my proof XXXX a couple days later my dispute was denied I contacted chime XXXX asked XXXX be provided with the documents used in the decision of my dispute I have not received them I spoke with the dispute team XXXX who reopened the case because XXXX I quote I dont see any documents used except the XXXX you provided so now XXXX waiting for invisible documents XXXX be sent XXXX me and I still dont have a reason as XXXX why my dispute was denied if all my proof is accessible XXXX available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: NV

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 XXXX collect it. Despite the absence of proper validation, this account continues XXXX 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 XXXX verifiable. Reporting a debt that has not been validated is XXXX misleading XXXX incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am submitting this complaint regarding XXXX unauthorized transactions on my account with Wells Fargo that were wrongfully denied after I reported them. This is the first time I have ever experienced fraudulent activity on my account. As soon as I noticed the charges, I immediately contacted Wells Fargo and reported them as unauthorized. The XXXX transactions were in the amounts of {$940.00} ( dated XXXX ) and {$570.00} ( dated XXXX ) and were from a company listed as XXXX which I do not recognize and have never done business with. At first, they provided a provisional credit for both, but, as of yesterday, took them away. Wells Fargo denied my claim, stating that the transactions were completed using my card information and shipped to my address. However, I want to be very clear : I did not make or authorize these purchases, and I never received any items related to these transactions. The reasoning provided by Wells Fargo does not adequately prove that I authorized the charges. Unauthorized transactions can still appear legitimate if someone has gained access to my card information or personal details. The fact that the shipping address matches mine does not mean I participated in or benefited from the transactionespecially since nothing was ever delivered to me. As a customer acting in good faith and reporting fraud promptly, I expected protection under consumer financial laws. Instead, I feel I have been unfairly held responsible for transactions I did not make. I am requesting that this case be reopened and properly investigated. Specifically, I ask that Wells Fargo : Provide any evidence used to determine that I authorized these transactions Reimburse me for the unauthorized charges if no clear evidence exists showing I made these purchases I have always managed my account responsibly, and this situation has caused me significant stress and financial concern. I am simply asking for a fair review based on the facts. Thank you for your time and assistance in resolving this matter.

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