vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Issue : Unauthorized XXXX Transfer / Failure to Investigate Under Regulation E Complaint : I am filing this complaint against Wells Fargo regarding an unauthorized electronic funds transfer from my account via XXXX. On XX/XX/year>, a XXXX transaction in the amount of {$1000.00} was made from my account. I did not initiate, authorize, or consent to this transaction in any way. I promptly reported this to Wells Fargo. However, the bank denied my claim and refused to conduct a proper investigation under the Electronic Funds Transfer Act ( Regulation E ). They also refused to reopen or reinvestigate the claim when I specifically requested a Regulation E review. This transaction meets the definition of an unauthorized electronic funds transfer under federal law. Wells Fargo is required to conduct a reasonable investigation and provide provisional credit where applicable. Their refusal to do so appears to be a violation of the Electronic Funds Transfer Act. I am requesting that Wells Fargo : Conduct a full Regulation E investigation Provide all documentation used to deny my claim Issue provisional and final credit for the unauthorized transaction I have also filed or will be filing an identity theft report and am willing to provide any supporting documentation necessary.

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I used XXXX as a payment method for purchases made through XXXX totaling approximately {$8900.00}. After receiving the goods, I discovered that they involved intellectual property infringement and counterfeit products. I filed a formal complaint through XXXX, and after review, the suppliers counter-notice was rejected, confirming the violation. I provided this documentation to XXXX and requested a full investigation, a pause on payments, and assistance with recovering my funds. Despite this, XXXX refused to take action, stated they are only a payment provider, and closed my case without providing meaningful assistance. This is not a standard merchant dispute. The goods were misrepresented and unlawfully produced, and this was confirmed through a formal platform review process. XXXX facilitated and financed these transactions but is refusing to provide any protection or recourse despite clear evidence of merchant misconduct. I am requesting : A formal investigation into these transactions Reconsideration of refund eligibility A pause or adjustment of any remaining payments A clear explanation of consumer protections in cases involving confirmed counterfeit or unlawful goods I have attempted to resolve this directly with both the merchant and XXXX, but no resolution has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
XX/XX/XXXX - I opened my checking account via a promotion of {$300.00} at the XXXX XXXX located in XXXX XXXX, XXXX. I provided the {$50.00} opening amount deposit to the bank staff, XXXX. This was all that was requested after the bank 's system checked me. XX/XX/XXXX - I returned to the bank and deposited cash into the new checking account because there was a problem with my online banking access. XX/XX/XXXX - My first direct deposit from my employer which satisfies my promo condition. XX/XX/XXXX - I returned to the bank and inquired why I did not receive the bonus via the bank employee, XXXX. She looked at the fine details of the terms and said because I was a former customer of a previous bank, XXXX XXXX?, which is now the owner of XXXX, I do not qualify. I debated that I never knew this fact and no one would know this since it is NOT the current name of the bank. She said she would get back to me. XX/XX/XXXX - I called the XXXX branch and spoke with XXXX. She asked XXXX to call me back and said nothing could be done.

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
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: SC

Complaint narrative:
I was on the S.A.V.E program, and i was told my loan amount would be charged no interest, but my balance has accumulated over {$2000.00} in over a year, plus the company Mohela is in breach of contract, as they have a duty to report delinquency, duty to update information and a duty to report closure of accounts. My credit report shows many mohela account closures. But no notice sent to me, no bills showing original amount, interest rate, balance due, and they keep reporting inaccurate balances. I have requested mailed statements, of which I have never received over the last year. Additionally, the balance and interest rates are all inaccurate. I have attached several images from just 1 of the credit agencies, where MOHELA repeatedly failed to provide correct information from XXXX until present. I want to reference 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies From Title 15-COMMERCE AND TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III-CREDIT REPORTING AGENCIES https : //uscode.house.govXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I want the letter of origination, how much i borrowed, the original interest rate, and the original principal amount borrowed. I never agreed to any loans or signed any loan agreement with Mohela.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: PA

Complaint narrative:
I am disputing a collection account reported by PROCOLLECT , INC related to an apartment lease. Tenancy never commenced. I never accepted possession of the premises and was never provided keys or access. There is no verifiable tenancy start date. I submitted disputes to XXXX and XXXX. XXXX responded that the account was verified, but did not provide any documentary evidence establishing possession or tenancy commencement. Verification appears to be based solely on furnisher confirmation rather than a reasonable investigation. I submitted a request for method of verification, specifically requesting the document used to establish tenancy commencement or possession. No such documentation has been provided. XXXX has not provided a response within the required timeframe. Absent documentary evidence of possession or acceptance, this account is inaccurate and materially misleading under the Fair Credit Reporting Act. I am requesting deletion of this account from all credit reporting agencies.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
In or around XX/XX/year>, I filed several claims with chase about my business account and several unauthorized transactions that were made after I received a donation from XXXX XXXX XXXX XXXX of XXXX. The transactions that was credited to my account totaled XXXX while the unauthorized transactions totaled an amount significantly greater than XXXX. Suddenly Chase decides to close my account with no explanation. I need help recovering my funds that was used unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am filing this complaint regarding Goldman Sachs Bank USAs handling of multiple billing disputes on my Apple Card account that were denied despite clear supporting evidence. These disputes involve three separate transactions, each of which meets the definition of a billing error under the Fair Credit Billing Act : 1. XXXX XXXX XXXX {$900.00} ( XXXX XXXX XXXX ) I returned merchandise using the merchant-provided return label. The return was successfully delivered, but no refund was issued. The merchant retained both the returned merchandise and the payment. 2. XXXX {$710.00} ( XXXX XXXX XXXX ) I ordered one item but received a different item. I returned the incorrect merchandise. The merchant acknowledged receiving the item and provided photographs of it, yet claimed it was not their product and failed to provide the purchased item, a replacement, or a refund. 3. XXXX XXXX {$380.00} ( XXXX XXXX XXXX ) The dress was delivered on XXXX XXXX XXXX, one day after my wedding on XXXX XXXX XXXX, and arrived damaged with a defective zipper and a tear. I reported the defects on XXXX XXXX XXXX within the merchants stated timeframe and provided photographic evidence. The merchant offered only store credit, which does not return funds to the original form of payment for defective merchandise. In all three cases : The merchants failed to provide the agreed goods or issue refunds I made good-faith attempts to resolve each issue directly I submitted documentation supporting each dispute Goldman Sachs denied the disputes without adequately addressing the evidence or providing a clear explanation of the basis for denial These transactions constitute billing errors under the Fair Credit Billing Act, including : Credit not processed for returned merchandise Merchandise not delivered as agreed Defective merchandise not properly remedied I am requesting that Goldman Sachs XXXX Conduct a full reinvestigation of all three disputes Provide a detailed explanation of the prior denials Reverse the charges. I am requesting that this matter be reviewed in accordance with Goldman Sachs obligations under the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: PA

Complaint narrative:
I received a piece of mail from American Coradius International LLC stating I owe a debt of {$360.00} to XXXX XXXX for a purchase in XXXX XXXX Reference ACL number XXXX. I provided ample and undeniable evidence to XXXX supporting that not only did I not receive the item that I ordered, but that the company involved with the sale has since stated publically that they declared bankruptcy and had their LLC involuntarily terminated due to tax delinquency prior to fulfilling my order. XXXX did nothing to assist me in retrieving my funds when I notified them of the issue. I have since issued a dispute with my bank who has reviewed the evidence and has refunded me one out of four of the payments ( the other three are still pending. ) I will not pay for an item I have proven beyond a shadow of a doubt that I have not received. This debt is fraudulent and XXXX needs to address the disputed amount with the seller, The XXXX XXXX XXXX XXXX Not only have I filed a dispute with my bank, XXXX XXXX XXXX, in regards to the payment but I have also filed complaints with the consumer financial protection bureau, case XXXX, FTC and Texas Attorney General due to the fraudulent nature of this sellers transactions that are now confirmed to total over {$40000.00} in owed goods to multiple buyers. ACL has no right contacting me in regards to a case that is currently open and being disputed with my bank against XXXX. I will not pay a debt on something I have proven that I never received time and time again at this point. XXXX also clearly states in its XXXX XXXX XXXX that any buyer can dispute a charge through either the XXXX dispute center and/or their band or creditor which they use for payment. This is secondary fraud and personal harassment by XXXX against me and I will not continue to waste my valuable time addressing the same issue over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and failure to properly investigate disputed information by Midland Credit Management. A collection account is being reported on my credit report that I dispute in its entirety. I previously disputed this account through a consumer reporting agency, and it was marked as verified as reported. However, no documentation or evidence was provided demonstrating how the information was verified or that a reasonable investigation was conducted. I have not been provided with any documentation supporting the alleged debt, including any signed agreement, account-level records, or proof of ownership of the debt. The balance and reporting of this account remain unverified. Despite my dispute, the company continues to report this account, which raises concerns regarding compliance with the Fair Credit Reporting Act, including the requirement to conduct a reasonable investigation and ensure maximum possible accuracy. The continued reporting of this account without proper verification is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint regarding multiple returned payment fees charged by U.S. Bank. A payment attempt triggered repeated automatic retries, resulting in over 10 returned payment fees. At the time of these transactions, there were sufficient funds available in my external account with Bank of America. Despite this, the payments were rejected and retried multiple times, causing excessive and duplicate fees to accumulate. I contacted customer service and escalated the matter to a supervisor. While one fee was refunded as a courtesy, I was told that no additional refunds would be issued. I believe this constitutes an unfair and excessive fee practice, as I was charged repeatedly for the same underlying issue. I am requesting a full refund, or at minimum a majority refund, of the returned payment fees associated with these repeated attempts. These are some of the fee dates I tried to write down as they mentioned. XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX- {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00} XX/XX/XXXX - {$40.00}

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding identity theft involving fraudulent attempts to open financial accounts using my personal information. On or about XX/XX/XXXX, I received notifications from financial institutions that applications had been submitted in my name without my authorization. This includes U.S. Bank, XXXX XXXX, XXXX XXXX, and XXXX. The following personal information was used without my consent : -Social Security Number -Protected Safe at Home mailing address -Phone numbers associated with me -Email address created in my name I immediately took the following actions : -Filed an FTC Identity Theft Report ( # XXXX ) -Placed fraud alerts and credit freezes with all three credit bureaus -Reported the fraud directly to the institutions involved -Completed XXXX protections On XX/XX/XXXX, I received two more letters from US Bank regarding two applications for U.S. Bank Signature Rewards Credit Cards. At this time, I am requesting : -Written confirmation that no accounts have been opened in my name -Removal of any unauthorized inquiries or records -Assurance that my information will not be used or retained improperly -Documentation of actions taken in response to this fraud This matter involves highly sensitive personal information and should be treated as identity theft with potential criminal implications. No financial loss has occurred at this time, but multiple fraudulent attempts were made. I have documentation available, including an FTC Identity Theft Report and supporting records.

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 2026-03-24 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: CO

Complaint narrative:
Complaint : I am filing this complaint regarding Capital Ones handling of a credit card dispute involving a {$9400.00} ( USD )/ {$13000.00} ( CAD ) transaction with XXXX XXXX XXXX. While the dispute originated from a defective product, this complaint primarily concerns Capital Ones handling of the dispute process itself. Throughout the process, Capital One provided conflicting deadlines ( XX/XX/XXXX vs. XX/XX/XXXX ), repeatedly instructed us to submit additional documentation, and issued multiple upload linkseven after the alleged deadline had passed. We relied on these instructions in good faith and submitted all requested materials. Despite this, we were later informed that documents submitted after XX/XX/XXXX would not be considered. This directly contradicts both the written XX/XX/XXXX deadline and Capital Ones continued requests for additional documentation. Additionally, many submissions were denied within minutes or hours, raising concerns that the materials were not meaningfully reviewed. We were also explicitly told that the case would be escalated for a full review of these issues ; however, it appears that escalation was either not properly completed or did not include a review of the procedural inconsistencies. As a result, we were deprived of a fair opportunity to have our dispute evaluated, despite repeated good-faith efforts to comply with all instructions provided. We respectfully request : A formal review of the dispute handling process A written explanation reconciling the conflicting deadlines and instructions Confirmation of whether a proper escalation review was conducted Reconsideration of the dispute in light of these procedural failures Supporting documentation is attached. A formal executive complaint has already been submitted directly to Capital One regarding these procedural issues. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT INFORMATION BEING REPORTED IS INCORRECT AND DOES NOT REFLECT MY TRUE PAYMENT HISTORY. THESE ENTRIES ARE MISLEADING AND UNACCEPTABLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 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: Self Financial Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NM

Complaint narrative:
WHEN I WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAD A CASH APP ACCOUNT THAT WAS ACTIVE NOW I TRIED TO GET BACK INTO MY ACCOUNT TO USE IT AND IT HAS A EMAIL I DID NOT PUT ON THERE AND CASH APP SAYS IT WAS CLOSED DUE TO VIOLATIONS OF POLICY I STATED TO THEM IT WAS ACTIVE WHEN I WENT TO XXXX I HAD NO ACCESS TO THE ACCOUNT OR CARD AND WANT TO KNOW WHY I AM NOT ALLOWED TO ACCESS MY ACCOUNT OR REOPEN MY CASH APP I NEVER DID ANY FRAUDULANT OR ANY ACTIVITY TO HAVE REASON TO CLOSE MY ACCOUNT SOME ONE HAD TO HAVE BEEN USING THE ACCOUNT WITHOUT MY PERMISSION OR CONSENT PLEASE LOOK INTO THIS MATTER FOR ME PLEASE AND THANK YOU

Company response to consumer: Closed with explanation