vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am submitting this complaint regarding Chase Banks denial of my fraud claim involving a {$5000.00} wire transfer sent as a result of a scam. I was targeted by several individuals who falsely claimed that there was a warrant for my arrest. The scammers used urgent, threatening language and instructed me that I needed to act immediately to avoid legal consequences. I was led to believe this was a legitimate law enforcement matter. Under significant fear and pressure, I was instructed to send a wire transfer. At the time, I believed I was complying with a legitimate legal demand. I now understand that this was a scam and that I was manipulated into sending funds under false pretenses. This transaction was not a typical or voluntary payment. It was made under coercion and fraudulent inducement, where my ability to make an informed and voluntary decision was compromised by deception and fear. I reported the incident to Chase Bank as soon as I realized I had been scammed. Despite this, Chase denied my claim, stating that the transaction was authorized. I dispute this determination. While I physically initiated the wire transfer, it was done under false pretenses, coercion, and material misrepresentation. I did not knowingly or willingly send money to a scammer, and I would not have authorized this transaction if I had been aware of the true circumstances. Additionally, this transaction involved a large, unusual wire transfer under urgent circumstances, which are commonly recognized indicators of fraud. I am concerned that there were insufficient safeguards, warnings, or intervention at the time the wire was initiated, despite the high-risk nature of the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
" I am reporting a 4-year pattern of illegal 'Surprise Overdraft Fees ' and 'Mortgage Servicing ' violations by Wells Fargo. On XXXX XXXX XXXX I made a CASH deposit of over {$400.00} at a Wells Fargo ATM. The bank kept this cash as 'pending ' while simultaneously processing 'ghost charges ' from two weeks prior to create a fake negative balance. Because the bank manufactured this negative balance, they seized my protected Social Security benefits to pay for fees and then rejected my mortgage payment ( which is also held by Wells Fargo ). This is a 'Conflict of Interest ' where the bank is choosing to pay itself fees rather than processing a mortgage payment for a customer who has the cash in the system. I have screenshots proving I was positive at the time of the transaction. I estimate {$6000.00} to {$7000.00} has been taken over 4 years. I demand a full audit under the XXXX CFPB Consent Order. ". " My account is not enrolled in 'Debit Card Overdraft Service ' and I do not use checks. Per bank policy,

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 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the XXXX for the Credit Bureaus under 15 U.S.C. XXXX and the XXXX XXXX XXXX under XXXX5 U.S.C. XXXX ( b ), this serves as my XX/XX/XXXX ( XXXX ) and final formal notice of a catastrophic breakdown in accuracy procedures. XX/XX/XXXX STATEMENT OF SYSTEMIC FAILURE Despite XXXX ( XXXX ) consecutive rounds of specific, fact-based disputes, the Credit Reporting Agency ( CRA ) has failed to perform a reasonable investigation or maintain reasonable procedures under 15 U.S.C. XXXX ( b ). The CRA continues to report unverified, inaccurate, and inconsistent data, specifically regarding " Past Due '' payment histories that should legally be updated to " Paid on Time. '' XXXX. ENUMERATED STATUTORY VIOLATIONS Violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) : After XXXX rounds, the disputed items remain unverified. The law states the agency " shall '' promptly delete or modify information that " can not be verified. '' By failing to act, the CRA is in direct violation of a non-discretionary federal mandate. Violation of 15 U.S.C. XXXX ( b ) : The furnisher has failed to provide a complete and accurate payment ledger. Under this statute, the failure of a furnisher to verify a debt requires the CRA to permanently suppress the data. Violation of 15 U.S.C. XXXXXX/XX/XXXXXXXX : This persistence in reporting invalidated data constitutes Willful and Negligent Non-Compliance. The CRA is now liable for actual damages, including the severe emotional distress and financial exclusion I have suffered. Breach of XXXX XXXX. XXXX : I am invoking the CFPB 's mandatory duty to protect consumers from unfair, deceptive, or abusive acts or practices ( UDAAP ) perpetrated by CRAs that refuse to follow the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: SC

Complaint narrative:
The company, Netspend, charged me fees due to inactivity of card, yet, they would not accept mine, nor my mothers ssn and information to get the cards features and identity proven. They would not give me a refund as requested and refused to help. I called themXX/XX/XXXX times before and they would just hang up and I could not even get to a higher person in charge. They have had to pay millions of customers back for inactivity charges from not being able to access the card due to identity verification issues and declinations.

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One ( by merger took over XXXX XXXX ). Capital One never provided me proof of the merger. Capital One never sent me any adverse action notices before taking the alleged debt owed. Capital One has never properly served me any documents. ( A XXXX male impersonating a XXXX mail carrier knocked on my door stating he had a package I needed to sign for. When I came to the door he handed some papers and laughed. He never said " you've been served '' or gave me any indication the papers he handed me were legal documents ). These documents were delivered to me overXX/XX/XXXX days after it was filed so that when I went to file my answer they at first told me it was too late to respond. I then received information from the courts that a hearing was scheduled on XX/XX/year>. Shortly before the hearing date I received documents from the court that a judgement had been entered with me without going to court. I never received any documentation that the hearing was waived or whatever the case was that allowed Capital One to enter a judgement without my being able to defend myself. I have filed a motion to vacate the judgmentXX/XX/XXXX now with supporting statements and legal support including the FDCPA and consumer rights and protections. None of these statements of fact I have stated have ever been addressed by or answered with any supporting documentation by Capital One or the courts. My consumer rights and protections were violated when I was never notified of the supposed merger with Capital One taking over XXXX. Capital One has violated FDCPA laws by not sending any adverse action notices prior to their filing of court paperwork. Capital One violated my rights per civil case laws by never properly serving me and their inability to demonstrate I was properly service. The improper service violated my right to notice and the opportunity to defend myself. The fact I was never properly served violates the FDCPA due to the false representation of the individual sent out by Capital One who falsely represented himself as a postal. The deceptive means and practices of the improper service is in violation FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I make multiple monthly payments on my credit card from my debit card ( not with capital one ) and this commonly aligns with my paycheck so I pay the entire balance off. Recently the payments have gotten returned due to insufficient funds which I have corrected each time and made on time payments. This time capital one took my payment after XXXX return and closed my all my accounts for suspicious activity after years of being a customer with them and even having my auto loan with them. They could not answer anything else other than that being the reason, no proof of fraud activity or action justify the suspicion. I escalated to a manager and specialist and received the same answer that nothing could be done or the accounts and activity could not be reviewed. My credit score is damaged now with multiple closed accounts due to me trying to make my payments with capital one for unjustifiable suspicion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
I am filing this complaint against XX/XX/XXXXXXXX XXXX, XXXX for failing to maintain reasonable procedures to ensure the maximum possible accuracy of information on my consumer credit report, and for continuing to report an unverifiable collection account that does not appear on any other major credit bureau, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX ( b ) and 15 U.S.C. XXXX. XX/XX/XXXXis currently reporting a collection account from Williams & Fudge , Inc., allegedly originating from XXXX XXXX XXXX, Account No. XXXX, with a balance of {$500.00}. I am disputing this account on the following urgent grounds : XXXX. EXCLUSIVE SINGLE-BUREAU REPORTING : This collection account appears only on myXX/XX/XXXX credit report. It does not appear on myXX/XX/XXXXorXX/XX/XXXX credit reports. The fact that this account can not be found on any other major credit bureau is a powerful indicator that Williams & Fudge , Inc. does not possess sufficient verified documentation to report this debt consistently.XX/XX/XXXX has an independent obligation under 15 U.S.C. XXXX ( b ) to maintain reasonable procedures ensuring maximum possible accuracy. Reporting a collection account that no other bureau can verify does not meet that standard and demands immediate reinvestigation. XXXX. COMPLETE ABSENCE OF PAYMENT HISTORY : XX/XX/XXXX is reporting a {$500.00} collection balance for this account with absolutely no supporting payment history. The total absence of payment history means this account has no verifiable transaction data underlying the reported balance. Under the FCRA, XX/XX/XXXX can not accurately report a balance that has no verifiable payment history to support it. XXXX. EDUCATIONAL INSTITUTION DEBT : The alleged original creditor is XXXX XXXX XXXX. Debts originating from educational institutions carry heightened documentation requirements. The combination of exclusive single-bureau reporting, absent payment history, and an educational institution as the original creditor creates a strong basis to conclude that this account can not be verified to the standard required by the FCRA. XXXX. ACCOUNT MARKED AS UNPAID :XX/XX/XXXX marks this account as unpaid with a {$500.00} balance. Given the complete absence of payment history and the inability of Williams & Fudge , Inc. to demonstrate consistent cross-bureau reporting, the accuracy of this unpaid designation and the reported balance can not be independently confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: WA

Complaint narrative:
On XX/XX/year>2025, {$2200.00} was deposited into my friends Cash App account. This money came from my tribal per capita payment, issued by my tribe. I had the money deposited to their account because they are responsible, and I was dealing with some personal issues at the time. As soon as the money was deposited, we were allowed to send {$100.00} to a friend, out of the deposited funds. Right after that, the account was closed, and the money was no longer in the account. I have tried and tried to reach out unsuccessfully to both Cash App and my tribe ( XX/XX/XXXX and XXXXXX/XX/XXXX ) to locate the money. Cash App is telling me they cant even see the account or locate it, and my tribe wont give me the ACH number of the check. I dont know what to do, and I just want to know where my money is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TN

Complaint narrative:
I had a deposit go to my chime account and they are constantly taking money from my checking account. XXXX. Everytime I get a deposit they drain my account. They owe me {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: MO

Complaint narrative:
On XX/XX/year>, I inadvertently sent a payment of {$40.00} via Cash App to the wrong recipient. I immediately contacted both Cash App support and the recipient to request that the funds be returned. Despite making XXXX separate attempts, Cash App informed me that they were unable to reverse the transaction since it had already been completed and directed me to submit a refund request to the recipient. I submitted the refund request twice, but on both occasions, the request failed, according to Cash App 's system. Subsequently, I reached out to the recipient directly. He informed me that Cash App had sent him a message stating that he was required to return the funds, but that he was unable to do so. Cash App communications were conducted via chat correspondence. Happy to share! On XX/XX/year>, I again contacted Cash App to follow up regarding this issue and informed them of the message sent to the recipient. Cash App reiterated that they were unable to return the funds, which in effect constitutes a refusal to reimburse or recover the amount sent in error. Cash App has been made aware of the direct messages shared with me by the recipient, yet continues to refuse to send the funds back. Cash App states that they have to return the funds that the recipient is unable to do so. Please refund the {$40.00} back to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I financed a purchase with Affirm for a XXXX XXXX cruise. The total purchase amount was {$1200.00}. I canceled the trip on XX/XX/year>. After canceling, I opened a dispute with Affirm ( exact date unknown ), which was later closed on XX/XX/year>. On XX/XX/year>, XXXX XXXX issued a refund of {$680.00} to my original payment method ( Affirm ). At the time the refund was issued, the dispute was still active. After the dispute was closed, the refund was never applied to my loan balance. I contacted Affirm multiple times and was told they could not locate any refund, even after I provided the transaction reference information given by the merchant. I also contacted XXXX XXXX multiple times, including participating in a three-way call with Affirm. XXXX XXXX claims the refund was processed, but they have been unable to provide a valid traceable transaction number ( XXXX ) or any proof that the refund successfully settled through the payment network. The only number they provided is an internal transaction number that Affirm can not use to locate the refund. As a result, I am still being held responsible for the full loan balance despite the merchant stating that a refund was issued. I have made multiple good faith attempts to resolve this directly with both Affirm and XXXX XXXX, but the issue remains unresolved. I am requesting that Affirm properly investigate this matter, locate and apply the refund, or coordinate with the merchant to have the refund reprocessed to my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
XX/XX/2026 cash app I did contact them multiple times and they tried to trafer money from husband old account to new but didn't work I ask them to just refund it and close that account still nothing it's been a month and still can't get XXXX back they keep saying try back in XXXX hr well this has been since XX/XX/XXXX and i havent got my XXXX bk from husband old account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX, I purchased an item from XXXX for {$2900.00}, which was delivered on XX/XX/XXXX. The product was defective and unusable, and I was instructed by XXXX customer service to return the item. XXXX did not provide a prepaid return label and instead confirmed in both written and verbal communication that I would be reimbursed for return shipping costs if I paid out of pocket. Relying on these assurances, I paid {$3200.00} to XXXX on XX/XX/XXXX, and the item was successfully returned and delivered on XX/XX/XXXX. Despite multiple follow-ups and repeated assurances from XXXX that XXXX reimbursement would be issued to my original payment method, the full refund was never provided. Instead, I was issued a partial gift card that does not cover the full amount and was not agreed upon as the method of reimbursement. I contacted my credit card issuer to dispute the charge, but they refused to open a dispute, stating the charge was not directly made by XXXX and therefore could not be processed. This left me without a resolution through my financial institution. I have made numerous attempts to resolve this directly with XXXX through phone calls and written communication, all of which have failed to result in the promised reimbursement. I am requesting full reimbursement of {$3200.00} to my original payment method.

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 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: NJ

Complaint narrative:
I am filing a complaint regarding a serious security incident and failure of response by Kraken XXXX XXXX XXXX XXXX ) that resulted in the loss of my cryptocurrency assets. My Kraken account was compromised by an unauthorized party who was able to bypass two-factor authentication ( XXXX ) and gain access to my account. During the incident, I contacted Kraken support multiple times in real time and explicitly requested that my account be locked immediately due to active unauthorized access. Despite these urgent notifications, Kraken failed to take timely action to secure my account. As a result, unauthorized withdrawals were processed and completed after I had already reported the breach and requested intervention. This is not simply a case of account compromise. Kraken had direct, real-time notice of fraudulent activity and failed to act to prevent further loss. The withdrawals that occurred after my notification were preventable. Additionally, Kraken has failed to respond to my communications for over XXXX days following the incident, leaving me without support or resolution. I am requesting : A full investigation into the unauthorized access and withdrawal activity A detailed timeline of XXXX response to my alerts Reimbursement of all funds lost due to unauthorized withdrawals following my notification An explanation of how XXXX protections were bypassed and why my account was not locked when requested This situation raises serious concerns about XXXX XXXX controls and incident response procedures, particularly in cases where customers report active fraud. I request immediate review and resolution of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief