vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
Went to XXXX XXXX XXXX to look at a XXXX, they told me it had been sold, but they had others so I looked at online inventory, at one in my price range, that said it was a XXXX with a manual transmission, there was an XXXX as the XXXX number in the vin, so it looked legit to me. I stated I loved that it was a XXXX and no one corrected me. Before the XXXX XXXX XXXX told me to be careful as there were summer tires on it, at which point I said, I would definitely need all-weather tires on here before I bought it. Well, the next day when I went back to see if I could get financed for it, I asked XXXX if they could get all-weather tires on it, and he said, Actually, I misspoke, I checked and there are all-weather tires on there. So I bought my dream car. Upon driving it I noticed that the parking brake or something was getting stuck when I would make turns sometimes, so I brought it back to the dealership the XXXX after I bought it, which was XX/XX/year>, purchase date was XX/XX/year>. When I got there the little manager asked what was going on, and I told him I didnt think it was safe, to which he said, we dont do returns. Pretty much rubbed me the wrong way, but he said hed have the service techs look at it and see if they could find an issue. When they were done the first thing the tech said, was, well, there are summer tires on that thing. And you just might not be used to driving a sports car. Which was misogynistic at best, told me I was lied to, and basically set off all bells for me being preyed on for my love of the vehicle. They said they found a bushing in the front that could be contributing to the issue and they had to order the part and would call me when it came in. Well, I know a XXXX XXXX XXXX vehicle wouldnt XXXX out due to a bad bushing in the front of the car, so the following XXXX, today, I brought it to XXXX XXXX XXXX, because the change oil light came on, and I wanted to see if they thought there was anything going on with the brake. At which point they tell me its a XXXX cylinder! I was sold gap insurance on a branded title car, that isnt even eligible for gap insurance, and lied to, taken advantage of, and basically punked into this lovely not what I wanted, car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRST HORIZON BANK
State: NC

Complaint narrative:
On XX/XX/XXXX, a {$9700.00} credit was posted to my account in error. On XX/XX/XXXX, before using the funds, I contacted the bank in person and through XXXX separate customer service calls to confirm whether the funds reflected in my account were accurate. During these communications, I was informed that there was no error. Based on those confirmations, I withdrew XXXX XXXX.Subsequently, the bank reversed the {$9700.00} transaction, which resulted in a negative balance. Following the creation of the negative balance, I submitted a written dispute to the bank on XX/XX/XXXX, formally requesting a full investigation into the original erroneous {$9700.00} credit, and documentation of the representations made to me by bank staff. I did not receive a response. I followed up again in writing on XX/XX/XXXX, reiterating my request for investigation and documentation supporting the banks position. Again after receiving no response, on XX/XX/XXXX, I visited a local branch in person and met with a branch XXXX. At his request, I was instructed to provide a written account. However, during the course of my visit on XX/XX/XXXX, the same branch XXXX disclosed to me in writing the full account number of another customer whose funds had been incorrectly deposited into my account. I raised this as a serious privacy concern regarding the banks internal safeguards for customer financial information in my written dispute on XX/XX/XXXX. On XX/XX/XXXX nearly XXXX months after my initial written submission, I sent a certified escalation letter. On XX/XX/XXXX, XXXX XXXX department acknowledged receipt and advised that a full investigation would be initiated. On XX/XX/XXXX, the department issued a written denial of all claims including the denial of the privacy disclosure without properly investigating my concerns. On XX/XX/XXXX, I responded in writing to the bank 's denial, reiterating unresolved concerns, requesting clarification and by attaching documents related to my issue, such as letters, and receipts. Despite my dispute, the bank ultimately denied responsibility and referred the alleged balance to a collection agency. The debt remains disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Dave Operating, LLC
State: TX

Complaint narrative:
I did not complete app and account set-up, because I did not have an ID... Therefore I did not have a valid account and I never received a XXXX, nor did I receive any service from Dave LLC. Today, after more than a year since I began setting up an incomplete application process on Dave 's app ( due to NOT having an ID to make my account official ) from the XXXX Play store, I had {$200.00} USD drafted from my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Block, Inc.
State: TX

Complaint narrative:
I am filing a new complaint regarding Cash Apps handling of my dispute for a {$46.00} transaction from XXXX XXXX XXXX dated XX/XX/year> ( Reference ID : XXXX ). The merchant in question is widely reported as a fraudulent company. After placing the order, I did not receive the product or service, and no legitimate tracking, fulfillment confirmation, or resolution was ever provided. The business has been identified online by numerous consumers as a scam operation. Cash App denied my dispute and later provided documentation explaining their determination. However, the documentation they relied upon contains inaccurate and unrelated information. In their response, Cash App listed an Associated Transaction dated XX/XX/year>, for {$42.00} from XXXX XXXX, identified as a merchant refund. This refund is from a completely different merchant, for a different amount, and is unrelated to the disputed {$46.00} transaction from XXXX XXXX XXXX. The inclusion of this unrelated refund suggests that Cash App relied on incorrect information when reviewing my dispute. The XXXX refund does not resolve, offset, or relate in any way to the {$46.00} fraudulent charge. Because the documentation used in their investigation does not match the actual disputed transaction, I believe the investigation was not conducted properly or thoroughly. I am requesting that Cash App : XXXX. Conduct a proper and transaction-specific investigation into the {$46.00} charge from XXXX XXXX XXXX. XXXX. Provide documentation directly tied to that merchant and the specific Reference ID : XXXX. XXXX. Explain why an unrelated refund from a different merchant was included in their investigative findings. XXXX. Reimburse the {$46.00} charge resulting from this fraudulent merchant. At this time, the disputed transaction remains unresolved, and I have not received a refund for that charge. I respectfully request that this matter be reviewed to ensure compliance with applicable dispute investigation requirements. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Atlanticus Services Corporation
State: NJ

Complaint narrative:
I'm going to the XXXX office next week, when I try to enroll in credit protection, there is the same XXXX and XXXX harassing me on the phone. My mother got sick like this, when a spoofer was hacking her phone and they did not mail her medication. They are hacking my sim card number. My phone calls are rerouted to their phone. I do not want to talk with criminals on the phone. I would like for them ( XXXX ) to mail me credit protection forms through mail or email. Due to the spoofing of my number, I can't make a valid payment. This could ruin my credit score. Basically, the call is going to sim hackers or spoofers repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA

Complaint narrative:
CFPB Complaint Narrative On XX/XX/year>, I attempted to make my scheduled mortgage payments to Sun West Mortgage Company through their online payment portal for the following accounts : Loan # XXXX Loan # XXXX On that date, the online payment system was nonfunctional and failed to process my payments. I was ready, willing, and financially able to make the payments as agreed. The delay was caused solely by the creditors system outage. The payments were submitted as soon as the system allowed processing. Despite this, Sun West reported a XXXX late payment to the credit reporting agencies on both accounts. I notified the company of the issue and explained that their payment system failure prevented timely processing. The late payments have not been corrected. These were isolated incidents on otherwise positive payment histories. I am requesting that Sun West : Conduct a proper investigation into the system failure that occurred on XX/XX/year> Correct the inaccurate XXXX late reporting with all credit reporting agencies Provide written confirmation that the derogatory reporting has been removed The reported delinquencies are inaccurate because the delay was caused by the creditors own system malfunction, not by any failure or inability on my part to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/XXXX, I received funds to transfer {$7500.00} to my friends XXXX and XXXX XXXX. I received the funds at XXXX XX/XX/XXXX and transferred them at XXXX. I was informed that it might take up to XXXX days to reach their account, depending on their account status and Cash Apps algorithms. Today, XXXX and XXXX contacted Cash App support, who stated the transaction does not exist. XXXX was told the screenshot I sent was not legitimate. I have voice recordings, angry texts, and conversations with both XXXX and Cash App support. I also have the original screenshot with a transaction number. While tracking the transaction, the call with Cash App was disconnected because they said I was too upset. Im upset because {$7500.00} is missing, and they cant locate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CFPB Complaint Misrepresentation of Protection Plan ( XXXX Tickets/ XXXX XXXX Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX Tickets/ XXXX XXXX and a related credit card dispute with Capital One. On XX/XX/XXXX, I purchased airline tickets through XXXX Tickets totaling {$2900.00}. This amount included {$540.00} for a Travel Care / Protection Plan. I canceled shortly after purchase and well in advance of the XX/XX/ XXXX travel dates. No travel services were used. Despite purchasing a protection plan, XXXX Tickets denied all benefits, including a refund or credit. The merchant stated the ticket was non-refundable and that any exchange would require additional fees and fare differences. As a result, the protection plan provided no protection or value. Capital One initially issued a temporary credit for the {$540.00} protection plan but later rebilled the amount after the merchant claimed the service was received. I dispute this claim because no protection or benefit was ever provided. I believe the protection plan was misrepresented at the time of sale and that I was charged for a service that was not rendered. I am requesting assistance in obtaining a refund of the {$540.00} and a fair resolution of this matter. Thank you for your assistance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear Wells Fargo XXXX and XXXX XXXX, This letter serves as a formal demand for compensation regarding XXXX XXXX failure to comply with the Truth in Lending Act ( TILA ) and Regulation Z during a recent balance transfer transaction. Prior to my payment due date of XX/XX/year>, a balance transfer was successfully initiated by XXXX to pay off my Wells Fargo account. However, Wells Fargo failed to promptly credit this payment to my account, in direct violation of 12 CFR 1026.10 ( Prompt crediting of payments ). Because your system negligently showed a balance due, I was forced to manually pay {$1500.00} on XX/XX/XXXX out of my own high-yield savings account to protect my credit score and avoid late fees. Once your system finally processed the delayed balance transfer, it created a credit balance. Wells Fargo then took an unreasonable amount of time to issue a refund check, which did not clear into my account until XX/XX/year>. By failing to promptly credit the initial transfer and subsequently locking up my overpayment, Wells Fargo unlawfully deprived me of my liquidity for XXXX XXXX Demand for Compensation : I demand immediate financial restitution for actual damages and the time spent mitigating your systemic failure : Lost Interest : XXXX XXXX of lost interest on {$1500.00} at my current savings APY of XXXX XXXX ( {$1.00} ). Time & Inconvenience Damages : Compensation for the friction, distress, and administrative burden caused by your system 's negligence ( {$100.00} ). Total Demand : {$100.00} Please issue a check for {$100.00} directly to my address on file within XXXX business days. If this minor but legally binding claim is not resolved, I will immediately escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ) regarding your violation of Regulation Z. Govern yourselves accordingly. Sincerely, XXXX 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 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
I received a call from Navy Federal Credit Union ( the number is saved in my phone under NFCU and that is what came up on my phone when it rang ) on XX/XX/year> with someone stating they are a representative and my account had been compromised so they needed to freeze and account. The person in the other end of the call had all information including my home address, card information and the amount of money I had in my accounts. They were able to download XXXX apps on my phone : XXXX and XXXX XXXX. I immediately called NFCU and reported that my account had been hacked and had my accounts deactivated and requested a new debit be expedited to me. After a week I receive a notification that the claim was denied because I authorized it which I did not. The transaction was used for a hotel in XXXX. I live in the USA and have never been to XXXX. NFCU has a XXXX liability policy and I do not thing they are abiding by it as I did not authorize the transaction. I have a {$6000.00} limit amount on my account so the bank should have protected my account from over {$24000.00} being withdrawn. Thank you for looking into this as I am absolutely devastated and this was my life savings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am submitting this complaint regarding violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) by [ XXXX XXXX On XX/XX/year> I mailed a formal written dispute to the bureau pursuant to 15 U.S.C. 1681b, 1681e ( b ), and 1681i concerning the following account : Creditor Name : * * XXXX XXXXXXXX XXXXAccount Number : ____________________Date Opened : ___ XXXX XXXX XXXXXXXX In my dispute, I specifically requested : A reasonable reinvestigation under 1681i The method of verification used Documentation bearing my signature authorizing the account Evidence of a permissible purpose under 1681b I stated that I never provided written authorization for this account to be furnished to or obtained by a consumer reporting And they never provided me Any signed contract or written authorization Documentation demonstrating a lawful permissible purpose A meaningful explanation of the method of verification Instead, the bureau either verified the account without evidence or failed to properly investigate the dispute. Under 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. Verifying disputed information without competent evidence of authorization does not satisfy this requirement. I am requesting that the CFPB require the bureau to : 1. Provide documented proo f of permissible purpose and written authorization ; or 2. Immediately delete the account from my credit file. If the bureau can not produce competent documentation demonstrating compliance with the FCRA, the continued reporting of this account constitutes negligent or willful noncompliance under 1681n and 1681o. I am requesting immediate corrective action. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ny. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: FL

Complaint narrative:
I have refund is {$140.00} from merchandise and the company we refund the money back and cash app want hold for XXXX to up XXXX days. When I call the customer service said I have to call the company. I did and is told me is sent to the money back to cash app and is in hold. I dont know why do that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Eastern Account Systems of Connecticut, Inc.
State: NM

Complaint narrative:
I am submitting this complaint regarding Eastern Account System and a collection account they are reporting on my credit file for {$1100.00}, allegedly related to XXXX XXXX. On XX/XX/XXXX, I discovered this account listed as a collection on my credit report. I dispute this debt in its entirety. I do not have a contract with Eastern Account System, and I have not been provided with any documentation showing that I am legally obligated to pay this amount. I requested validation of the debt, including a copy of the original contract bearing my signature. However, the company has failed to provide the requested documentation. I attempted to contact them by phone to resolve the issue, but I was placed on hold for more than four hours and the call was eventually disconnected. Despite my efforts, this account continues to be reported on my credit report without proper validation. I believe this is a violation of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Thank you for your assistance in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: FL

Complaint narrative:
On XX/XX/year>, I initiated a {$9500.00} USD international money transfer via the Abound app ( Transaction ID : XXXX ) to a recipient 's bank account in XXXX ending in XXXX, expecting delivery within the stated timeframe. The app status progressed to " Delivered to Recipient '' on XX/XX/year>, for XXXX INR, but the recipient 's official bank statement ( provided to Abound in XXXX format on XX/XX/XXXX ) shows no credit of this amount and confirms their provided XXXX XXXX XXXXXXXX is not in bank records. I contacted Abound multiple times via app chat starting XX/XX/XXXX : they claimed the transfer was " successfully settled '' and gave the XXXX ; I uploaded the bank statement as specifically requested by their agent XXXX XXXX on XX/XX/XXXX ; yet they have not provided proof of credit, corrected the XXXX, issued a refund, or confirmed escalation results as of today. This ongoing delay violates remittance delivery promises and has caused financial hardship. I request full refund or verifiable proof of credit to the account.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation