vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: NV

Complaint narrative:
Transaction Details : Transaction Date : XX/XX/year> Amount : {$35.00} Merchant : XXXX XXXX Application Initial Dispute Date : XX/XX/year> To Cash App Support / Dispute Department, I am writing to formally appeal the denial of my dispute regarding an unauthorized charge of {$35.00} on XX/XX/year>. Despite my repeated attempts to resolve this, Cash App has consistently denied my claims and subsequently closed my account, citing an investigation that contradicts the evidence I have obtained. Statement of Facts : 1. Merchant Verification : I contacted the merchant ( XXXX XXXX Application ) directly. They confirmed via email that they have no record of an account, application, or transaction associated with my name or information. They explicitly stated they could not verify the charge because no such account exists in their system. 2. Merchant Guidance : The merchant advised that since no account exists on their end, the charge was likely fraudulent or an error, and instructed me to resolve the matter through my financial institution. 3. Inconsistent Investigation : Cash App claimed their investigation " concluded the charge was accurate. '' However, I have written proof from the merchant that no service was rendered and no account exists. Cash App has failed to provide the " proof '' they claim to have found that links this charge to me. 4. Account Closure : Following my second appeal on XX/XX/year>, my account was closed. I have been unable to reopen it, which has caused significant financial distress as I intended to use this account for my payroll deposits. Also affected my sponsorship accounts Very disappointing!! Requested Action : I am requesting a secondary manual review of this dispute. Furthermore, I request that my account be reinstated, as I have committed no violation of terms ; I am simply a victim of an unauthorized transaction that I am trying to correct. I look forward to your prompt response and a fair resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I finance my car since XX/XX/XXXX and car was suppose to paid off XXXX and I made my payment on time and the BANK kept adding more money every year, I called BANK more than XXXX times asking how come I made payment every months my balance stay the same. Either they hang up or phone got disconneted and they dont have a adresse for the BANK for me to go in person.

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 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: IN

Complaint narrative:
Multiple fraudulent accounts opened under my name and social. Ive been able to successfully dispute XXXX, others has been a challenge due to lack response and follow up. My credit has been affected tremendously, Im attempting to just restore my credit. XXXX XXXX collection agency has not answered any of my calls or returned and messages. I discovered this account on my credit profile. XXXX XXXX has yet to resolved my dispute, although I provided the information months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WorldRemit Corp.
State: VA

Complaint narrative:
I have used XXXX services in the past. Recently I have received XXXX XXXX calls from scammers purporting to be agents of XXXX. They all called from XXXX XXXXwhich has connections with XXXX founders and they tried to scam me. I suspected there has been an unreported data breach which XXXX has failed to noitify thier members or taken appropriate actions to protect consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I was defrauded by reps in regards to loans, forbearance, and repayments. Which negatively affected my credit reports and financial situations. To date I have repaid the loans, but not without hardship. I believe I am entitled to monetary rewards from this company due to unethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding their refusal to properly investigate unauthorized electronic transfers and account access. I experienced unauthorized activity involving a transfer of approximately {$9000.00} from an external XXXX XXXX account into my Navy Federal credit card account. I did not authorize this transaction. Navy Federals own records show this as a one-time electronic funds transfer. Additionally, the transaction was flagged and placed on hold ( " XXXX XXXX / XXXXXXXX XXXX '' ), indicating that their system detected unusual or potentially suspicious activity. The payment was later reversed due to XXXX, which resulted in significant financial harm to me, including fees, interest charges, and a current balance exceeding {$18000.00}. I reported this issue to Navy Federal months ago ; however, they denied my claim, stating it was too late to dispute. I do not agree with this conclusion. This situation involves unauthorized account access and electronic fund transfers that I did not initiate. Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to a reasonable investigation into unauthorized transactions. I am requesting : * A full reopening and reinvestigation of this case * All documentation used to determine that the transaction was authorized ( including IP logs, device data, and authentication records ) * Reversal of all fees, interest, and charges resulting from this unauthorized activity * Correction of my account balance * Consideration for provisional credit during the investigation The presence of a transaction hold suggests that the activity was flagged as irregular, which should have triggered further scrutiny. I am prepared to provide supporting documentation, including account statements and transaction records. This issue has caused severe financial hardship, and as a XXXX XXXX XXXX with a family it is especially hard. I am requesting immediate review and resolution.

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 2026-04-15 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: SC

Complaint narrative:
My cash app was getting low amounts charged everyday XXXX to XXXX. They replaced some of it. Then a few months later same thing but had few big charges. Cash app said my claim was fraud and closed my account. Never let me appeal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A company calling about my old XX/XX/year> credit card

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
Kept receiving repetitive emails about a debt that I dont know about that is very old past 7 years ago. Theyve said in the email if I dont pay they will report to the credit bureau about it. I thought the credit bureau can not post something last 7 years on your report. Ive never ever spoken to anyone at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am disputing a charge of {$1700.00} from XXXX XXXX XXXX XXXX ), Case ID XXXX, which Citi closed XXXX, XX/XX/year>, finding in favor of the merchant. I am filing this complaint because Citi failed to conduct a reasonable investigation of a charge I did not authorize and did not accept. The charge is unauthorized. XXXX XXXX charged my card after I had already returned the vehicle and departed. I was not present during their damage assessment. I did not sign any document accepting liability. XXXXXXXX XXXX own damage report lists " XXXX XXXX '' as my signature and falsely states " Customer has accepted responsibility for the damage. '' A XXXX XXXX is not a signature. I never accepted responsibility for anything. The charge was placed on my card without my knowledge or consent. The documentary evidence I submitted to Citi on XX/XX/year> establishes the following none of which appears to have been adequately weighed : First, timestamped photographs taken on XX/XX/year> the day of pickup, at XXXX XXXX XXXX XXXX show the rear cargo interior lining had already failed before I drove the vehicle anywhere. This damage predates any possible action on my part. Second, XXXXXXXX XXXX own Vehicle Condition Report from pickup and their post-return Damage Assessment Report are directly inconsistent with each other. Damage documented at pickup does not appear consistently in the return assessment. A process that can not produce consistent results across XXXX evaluations of the same vehicle can not be a credible basis for holding a customer liable. Third, I attended the XXXX drop-off location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> within XXXXXXXX XXXX XXXXXXXX business hours of XXXX specifically to report the interior condition to a staff member. The office was completely closed. I have timestamped photographs documenting this. XXXXXXXX XXXX failure to operate during their own posted hours denied me any opportunity to report the damage or create a contemporaneous record. XXXX, XXXXXXXX XXXX damage assessment was conducted more than XXXX hour after I returned the vehicle. During that XXXX XXXX the vehicle was solely in XXXX XXXX possession and control. XXXX, XXXX has not provided any itemized repair estimate, invoice, or third-party assessment justifying the {$1700.00} figure. The charge is entirely unsubstantiated.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
I request a balance transfer starting with discover to cover a balance I had with Robinhood credit card. The posted date was XX/XX/XXXX when it appear on my balance with discovery. I wait and waited with Robinhood banking app and the balance never appeared. I ended up trying to contact through the AI chat box and their chat box keep telling it it may take 3-4 weeks for the balance transfer to appear. It never appeared and pass my due date when interest will be charge I tried to contact both parties. The chat box initially told me I need to get the check tracking number to see the process of the balance transfer. Then I call discovery and they keep transferring me and finally told me to contact robhinhood banking again. I contacted Robinhood and was told I was gon na get a call back. Couple days later, I was charge my interest and I call robhinhod just to be informed they do not accept my balance transfer and were investigating the situation. I contacted discover shortly after and they told me they would contact robhinhood to see what happened as the balance were already posted on my account. Shortly later discovery reversed the balance transfer on my account. I suspect that someone from robhinhood attempt to steal the balance transfer check of XXXX and cash it on their own. No explanation were given from either party and I was shafted from an otherwise avoidable interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
SUBJECT : WILLFUL FCRA VIOLATION - ILLEGAL RE-AGING OF TIME-BARRED DEBT Account Identifiers : Original XXXX Account : XXXX Jefferson Capital System ID : XXXX ( Reference : XXXX ) TransUnion File Reference : XXXX TrueAccord ID : XXXX The Violation : XXXX This is a successor complaint regarding a {$570.00} debt that is being illegally re-aged to bypass the XXXX federal reporting limit. On XX/XX/XXXX, XXXX from XXXX XXXX XXXX admitted in writing that the Date of First Delinquency ( DOFD ) was XX/XX/XXXX. However, XXXX stated XXXXXXXX XXXX corporate policy is to report based on an internal 'write-off ' date of XX/XX/XXXX. This is a direct violation of FCRA Section 605 ( c ). Under federal law, the 7-year reporting window begins 180 days after the XX/XX/XXXX delinquency. As of XX/XX/XXXX, this debt is time-barred and must be deleted. XXXX is willfully manipulating the 'start date ' to keep this negative mark on my credit for an additional four months. Evidence : See attached email from XXXX XXXX XXXX ( XXXX ) dated XX/XX/XXXX, confirming the XX/XX/XXXX delinquency. Demanded Action : Immediate and permanent deletion of the trade-line and cessation of all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I suddenly became a widow in XXXX. Due to my husband 's passing, I was no longer able to afford my home. I became XXXX behind. I also obtained leins on the home for approximately XXXX. My realtor was willing to take on the extra charge of my leins. The entire purchase of the home would have eliminated my debt. I was in an active short sale with Selene and XXXX ( mortgage company ) and Stl Short Sales since XX/XX/XXXX. My original company was XXXX and then was sold to Selene. I proceeded with XXXX emergency bankruptcies during this process bc they refused to accept our appraisals and offers without any explanationas to why. I had XXXX on the house that I negotiated, we did repeated appraisals and they refused. They put me back on the auction block and I couldn't afford another emergency bankruptcy. Stl short sales once again presented my offer package and was rejected. XXXX, XXXX XXXX Selene foreclosed on my property. Selene never disclosed why they rejected each offer. I lost my XXXX negotiation and now I have to file XXXX XXXX bankruptcy because Selene foreclosed on me even while having active negotiations with my realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
This account is incorrectly reporting as active with a balance. Attached is official documentation from Honda Financial stating the account is paid in full as of XX/XX/year>. Please update to {$0.00} balance and closed status or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ky, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX, XXXX Re : Demand for Method of Verification FCRA Compliance Violation To Whom It May Concern : I am writing in response to your recent investigation results regarding the account ( s ) listed below, which you have stated were verified. I formally dispute the accuracy and completeness of this information and demand full compliance with the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), you are required to provide a description of the procedure used to determine the accuracy and completeness of the information. Your response failed to provide any meaningful details regarding how this alleged verification was conducted. Therefore, I am requesting the following : The method of verification used, including a detailed description of the procedures followed The name, address, and telephone number of the party who verified this information The date and time of the verification Documentation or evidence relied upon to conclude the account is accurate Additionally, pursuant to 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy. A generic or automated verification response does not satisfy this requirement. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable re-investigation. Please explain how your investigation met the standard of reasonable if no documentation was reviewed or provided. If you are unable to provide the requested information, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) to delete the disputed item from my credit file immediately. Failure to comply with these federal requirements will result in the following actions : Filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) Filing complaints with my State Attorney General Pursuing legal remedies for willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o This is not a request it is a demand for full compliance with federal law. Please respond within the statutory time-frame. Sincerely, XXXX XXXX Account ( s ) in question : XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Actt # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct 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 2026-04-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This complaint concerns Chase Banks refusal to open or process a debit card dispute for services not rendered as agreed. I am filing a complaint against Chase Bank regarding their refusal to properly process a dispute for a {$160.00} debit card transaction. The transaction was for a nail salon service that was not performed in a manner consistent with what was agreed upon. The service failed prematurely, with multiple nails falling off within the first 79 days, which is significantly below the expected duration of this type of service. This constitutes defective workmanship and services not rendered as agreed. I made a good faith effort to resolve the issue directly with the merchant by requesting a refund or credit, but I did not receive any response or resolution. When I contacted Chase Bank to dispute the transaction, they refused to process or open the dispute, stating that because the service was received, it does not qualify. This mischaracterizes the issue. This is not a matter of general dissatisfaction, but a failure to deliver the service as agreed. I specifically requested that the dispute be considered under services not rendered as agreed or defective service, but Chase declined to proceed and did not offer a reasonable avenue for escalation. A fair resolution would be for Chase Bank to reopen and properly investigate this dispute under the appropriate category of defective or misrepresented services, and to issue a refund of the {$160.00} transaction if the claim is validated. Additionally, I request a clear explanation of why my original dispute was refused, including the specific policy or regulation relied upon, and confirmation that my claim has been reviewed under the appropriate dispute category. I am prepared to provide supporting documentation, including a timeline, photographs, and proof of my attempt to resolve the issue with the merchant. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I attempted multiple times to report a scam involving payments sent through Chime for a rental unit that was never provided. I was transferred repeatedly and ultimately disconnected. I was not allowed to open a dispute. This interaction was documented under reference number XXXX. I am requesting a formal investigation into this matter as it involves services not rendered and potential fraud. I will also be submitting a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, an unauthorized transaction of {$32.00} was made on my PayPal account. I did not authorize this transaction and immediately filed a dispute. PayPal denied my dispute, stating that because there were consistent logins and funds were available in the account, the transaction was not unauthorized. I then filed an appeal, which was also denied. Their appeal denial stated that " only the account holder would have access to the card and knowledge of the account balance. '' This reasoning is circular and defies the definition of account compromise. A fraudster who has gained access to an account will, by definition, be able to log in and view the balance. PayPal 's stated criteria for denial describes exactly what unauthorized account access looks like it does not constitute evidence of authorization. PayPal has refused to refund the unauthorized charge despite two formal reviews, and their denial reasoning demonstrates that their dispute process is not designed to identify actual fraud. I am requesting that PayPal refund the unauthorized transaction of {$32.00} and review their dispute resolution criteria.

Company response to consumer: Closed with explanation