vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: TX

Complaint narrative:
I have received a Debit card in mail that was sent on my previous address. A new bank account was opened under my name without my consent. The account is from XXXX XXXX. 
I called their number that was present on the card and talked to their supervisor and was not given any satisfactory information, they said that this is a promotional offer and if you do not want to use the debit card then throw it but they failed to provide any email or guarantee that my personal information will not be used to open or operate an account under my name in future. I was told that my personal information could have been passed on by net spend that works with XXXX, XXXX XXXX, XXXX etc. and they use that information to open up account and send to people as a way of marketing in the hope of getting a new account activation. 

This unethical marketing approach has caused a huge stress over the weekend and I was scrambling on different credit bureau website to check my credit to see if I have been a victim of identity theft. 

This is clearly unlawful and a financial institution can not open a bank account without my authorization. This presents financial crime risk such as money laundering etc. to consumers. 

I called the number on the debit card XXXX today at XXXX XXXX  on XXXX XX/XX/year> and talked to the supervisor named " XXXX XXXX '', he clearly denied that he can not provide any confirmation or written email that my information will not be used again and the account has been closed. This conversation has not resulted in satisfactory resolution and I still have no guarantee that the account has been closed.

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 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: AL

Complaint narrative:
I obtained a title loan for {$800.00} at approximately 300 % interest. My payment was due XX/XX/2026. Beginning XX/XX/2026, I attempted to make payments online daily, but the website would not allow me to complete payment. Because I work during business hours ( XXXX ) while the office is closed, I was unable to pay in person. As a result of the companys online payment system failure, my balance increased daily by approximately {$6.00} per day in fees and interest, even though I made consistent attempts to pay. The amount increased from {$180.00} to {$230.00} due solely to system issues, not refusal to pay. This is not the first time this has occurred. Previously, I was forced to leave a payment in an unsecured drop box outside the office because there was no other way to make payment. I have text message proof and records showing payment attempts and system failure. I have continuously tried to make good-faith payments and never refused to pay. The increased balance is the direct result of the lenders payment processing failures and lack of accessible payment methods.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Due to a financial hardship they would not make arrangement with me to pay down the debt but show this account as written off on my credit report. I have not received a 1099-C

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 2026-02-09 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I sent a payment of {$1300.00} to one of my employees via CashApp. The funds were successfully deducted from my account and sent to his CashApp account, $ XXXX. However, my employee is currently locked out of the $ XXXX account and can not access the funds. Over the past week, both my employee and I have contacted CashApp multiple times to resolve this issue. Unfortunately, CashApp has provided no solution. Each time we call, they direct us to the other party : When my employee calls, CashApp instructs him to have me call. 
When I call, CashApp instructs me to have my employee call. 

This back-and-forth has resulted in significant frustration and no resolution. CashApp has not provided any clear guidance or actionable steps to release the funds or resolve the account access issue. 

Impact : This unresolved issue has caused financial inconvenience for my employee, who urgently needs access to the funds. Additionally, it has wasted considerable time and effort for both of us, as we have repeatedly contacted CashApp without any progress. 

Desired Resolution : I am requesting the CFPB to intervene and assist in resolving this matter. Specifically, I would like CashApp to : 1 ) Transfer the {$1300.00} from the locked account $ XXXX to my employees new CashApp account, $ XXXX, or return the funds to my account. 

2 ) Provide clear and actionable steps via email to resolve the account access issue for my employee.

3 ) Improve their customer service process to prevent such issues in the future. 

Employees account details : Locked account : $ XXXX ; New account : $ XXXX. 
Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX Founder & CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
In XX/XX/year>, I completed a refinance of my home at XXXX XXXX XXXX, XXXX, PA XXXX. As part of the refinance, a third-party payoff check in the amount of {$1500.00} was issued on XX/XX/year> by XXXX XXXX XXXX  XXXX ( via XXXX ) XXXX payable to XXXX 

I submitted a Qualified Written Request ( QWR ) to Freedom Mortgage requesting proof of issuance, negotiation status, and application of this payoff check. Despite multiple attempts by email and phone, Freedom Mortgage has failed to respond. 

I am now in possession of the settlement check stub confirming issuance of the {$1500.00} payment payable to XXXX. The creditor account continues to reflect a balance with no accounting for these funds. 

I am requesting that Freedom Mortgage be compelled to produce : Proof of negotiation or non-negotiation of the check Disbursement and servicing records Corrective action to resolve the accounting discrepancy

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 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: IL

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

Company 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 2026-02-09 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: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I am submitting this complaint regarding the handling of a debit card dispute by FourLeaf Federal Credit Union involving a {$150.00} annual subscription charge from the merchant XXXX. 

On or about XX/XX/year>, my account was charged {$150.00} for an annual subscription renewal that I did not knowingly authorize. I was not aware the service was set to auto-renew. After noticing the charge, I immediately canceled the subscription and requested a full refund, as I had no future need for the service and did not use the service following the renewal. 

The merchant initially refused a full refund and later offered partial refunds ( XXXX XXXX and then XXXX XXXX ). The merchant also stated in writing that a refund could be issued if I canceled the bank dispute, which I was not comfortable doing because the refund had not yet been processed. I proceeded with a dispute through my bank ( FourLeaf Federal Credit Union ). 

During the banks dispute review process, I was never provided a method to submit additional supporting evidence, screenshots, or documentation directly to the bank, nor was I given an email or upload option to provide additional proof refuting the merchants claims. The dispute was later denied based primarily on the merchants submitted documentation, including statements that I dispute as inaccurate ( including claims of post-renewal usage ). 

After the dispute was closed, the bank advised me that any refund would need to be issued directly by the merchant. When I contacted the merchant again, the merchant stated that because the dispute had been completed, they would no longer issue any refund, leaving me without resolution despite my repeated attempts to resolve the matter in good faith. 

I am requesting a review of FourLeaf Federal Credit Unions dispute handling procedures, specifically the lack of opportunity to submit additional evidence during the review period, and assistance in obtaining a fair resolution of this transaction. Supporting documentation is attached and labeled in chronological order for ease of review.

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I apply Several times Credit & They Deny too many Times, When ever I Called call Goes to XXXX & They Keep Saying I Will receive Letter Which I Never Received

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am a customer of Bank of America. In XX/XX/XXXX, a check for my business from XXXX XXXX for {$300.00} was stolen and fraudulently deposited into a third-party account at this same institution. I have provided the bank with a copy of the cleared check which clearly shows an account number and a signature that is not mine. 

Despite being a victim of fraud within the banks own ecosystem, the bank is currently stonewalling a law enforcement investigation. XXXX XXXX XXXX ( Badge # XXXX ) of the XXXX XXXX XXXX XXXX submitted a subpoena for the account records on XX/XX/XXXX. The case number is XXXX XXXX. As of XX/XX/XXXX, XXXX XXXX months laterthe bank 's legal department continues to claim the subpoena is 'in review. ' The XXXX personally called the bank on XX/XX/XXXX, and was again told the case is pending. This delay is unreasonable for an internal fraud matter where all necessary data ( account holder info and deposit metadata ) is already in the bank 's possession.

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 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo unexpectedly restricted access on XX/XX/year> Accounts were officially closed XX/XX/year> Combined personal and business balances : {>= $1,000,000} Bank stated cashiers checks would be sent via XXXX No checks received No tracking numbers provided No written explanation for delay Request immediate disbursement or formal written justification for any continued hold I was initially told the official account closure is XX/XX/year>, now it has been extended until XX/XX/year> ; all my funds are tied up with Wells Fargo

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 2026-02-09 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I disputed a {$1700.00} charge with American Express for a XXXX XXXX purchase because the product was misrepresented. The item was sold as a XXXX XXXX XXXX XXXX, but the delivered product has no connectors or hardware and can not function as a modular sectional. The pieces separate under normal sitting and can not be used as one unit. 

I submitted merchant marketing materials showing the product labeled as modular, photos of the underside showing no connectors, and photos showing the separation during normal use. I clearly stated the dispute reason as not as described / misrepresentation. 

American Express twice denied the dispute without addressing this claim. Instead, both denial letters focus on unrelated delivery issues, store credits, and color/configuration mix-ups from XX/XX/year>. Those facts are not the basis of my dispute and do not resolve whether the product functions as advertised. 

I requested reconsideration and provided additional documentation, but American Express again ruled solely on the merchants delivery and return-policy narrative rather than the misrepresentation issue raised. Both denials included the same merchant bookkeeping documents, which do not address whether the product functions as advertised. I am submitting this complaint because American Express failed to evaluate the dispute reason I raised despite multiple submissions of evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I reside in Florida. I made a payment on my Citibank credit card account that was processed on XX/XX/2026, well in advance of the XX/XX/2026 due date. 

On XX/XX/2026, I contacted Citibank customer service because my account was showing an upcoming payment due despite the XX/XX/XXXX payment. During that call, multiple Citibank representatives stated that my payment was treated as an extra or past payment due to internal billing cycle rules, rather than being applied to the XX/XX/XXXX due date. 

I was repeatedly told that Citibank does not allocate payments across billing cycles, and that my account would be assessed late fees, interest, and potentially reported as past due unless I made an additional payment, even though the payment had been received before the due date. 

During the same call, representatives acknowledged that a {$170.00} payment was scheduled for XX/XX/XXXX and discussed canceling the XX/XX/XXXX payment requirement, while simultaneously stating that the account could still be reported past due until another payment was made. Representatives provided inconsistent explanations regarding payment allocation, refused to provide written confirmation of any corrective action, and provided conflicting representative identification numbers during the same call. 

I believe this handling is inconsistent with federal credit card payment crediting requirements. A payment received prior to the due date should be treated as on time, and internal billing cycle or program rules should not result in late fees, interest, or adverse credit reporting. 

I am requesting confirmation that my XX/XX/2026 payment was credited as an on-time payment for the XX/XX/2026 due date, that no late fees, interest, or adverse credit reporting will occur as a result of this issue, and that any internal misapplication or program designation has been corrected. 

Supporting transcript documentation from a captioned telephone system is available and can be provided upon request.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be rem

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Complaint Regarding XXXX Fraud and Wells Fargo Banks Failure to Protect My Account # XXXX under the name of XXXX XXXX XXXX LLC My name : XXXX XXXX I am writing to formally file a complaint against Wells Fargo Bank regarding XXXX fraudulent XXXX transaction and the banks failure to adequately investigate or protect my account. 

On or XX/XX/XXXX, my XXXX was stolen. On the same day, unauthorized access was made to my Wells Fargo bank account, and a XXXX transfer in the amount of {$4700.00} was sent to an unknown recipient without my authorization. I did not initiate, approve, or benefit from this transaction. 

I immediately reported the fraud to Wells Fargo on the same day I discovered it. Despite clearly informing the bank that the transaction was fraudulent and that my phone had been stolen, Wells Fargo treated the transaction as authorized and declined to take immediate corrective action. I requested the name of the recipient and further details related to the transaction, but was informed that I would have to wait up to 30 days for a written response. 

XXXX is marketed by Wells Fargo as a secure service, and customers are encouraged to use it based on that assurance. In this case, Wells Fargo failed to properly safeguard my account, failed to conduct a timely and meaningful investigation, and failed to provide adequate transparency regarding the fraudulent transfer. 

I believe Wells Fargo did not comply with its obligations under consumer protection laws, including proper fraud investigation standards and electronic funds transfer protections. As a result, I have suffered financial loss and significant distress. 
I respectfully request that the CFPB : Require Wells Fargo to conduct a proper fraud investigation I asked to give the name of the person so i can make a police report- they said that will make a letter and tell me what is going on. 

Require reimbursement of the unauthorized XXXX transfer Review XXXX XXXX handling of XXXX fraud cases and customer protections Attached are any supporting documents, including bank records and my fraud report. 

Thank you for your time and assistance in this matter. I appreciate your help in ensuring consumer protections are enforced. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX 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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NJ

Complaint narrative:
I was a member with XXXX XXXX XXXX and was fitted for aligners and signed a contract that had promised me unlimited lifetime guarantee of realignments, appointments, XXXX XXXX, product/service etc. This company shut down and went into bankruptcy therefore breaching the contract and things I originally agreed to. I dont have the opportunity to get new XXXX  or any new fittings done. I tried reaching out several times and they could not give me a clear answer over the phone, and they never responded to my email. Ive tried disputing it as well through XXXX  with the same reasoning and it was denied. This debt does not belong on my credit report. The debt collector is TEKCollect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation