vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Reach Financial LLC
State: NC

Complaint narrative:
Reach Financial is a predatory lending agency that buys up consumer debt from XXXX XXXX XXXX. They say they are trying to help you but lure you into an unaffordable debt consolidation loan. Then, if you do not pay on time, they send your account to an aggressive law firm called XXXX XXXX XXXX. If National Debt Relief ever offers you a debt consolidation loan from Reach Financial.SAY NO XXXX RUN FOR THE HILLS!!!!! If you accept the loan then miss a payment, expect a letter from a law firm called XXXX XXXX XXXX. They are nothing but a bunch of yellow cowards trying to steal money from you. Stay away from Reach Financial if you are in a XXXX XXXX XXXX agreement!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP

Complaint narrative:
I tried to use my card at different ATMS in different cities in the XXXX where I live but it won't even allow me to put in my pin. Looks like the chip can not be read. This is a VISA debit card however it is not accepted at any shop for any purchase in the XXXX. This country also does not accept checks. I have talked to customer reps at US BANK, Reliacard for days but they say they can not do a wire transfer to my XXXX account because the card has been programmed NOT to allow any wire transfers. They will not figure out a way for me to access my funds. My rent is due today. I have contacted a bank executive 3 times via email and he has not responded to this problem. The reps. say that they will file a corp. complaint but this has happened in the past and it did nothing to give me immediate access to my funds. Last time this happened and I needed a new card they said they would overnight a new card via FedEX but it took over 7 days and now they say they will send another new card but it could take 10 days or longer once they figure out the sending date, which they do not have at this moment. I need US BANK, Reliacard to contact the XXXX global customer care emergency cash disbursement in my XXXX XXXX region and authorize a pick up.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year>, I received a text message alert regarding a {$380.00} charge at XXXX asking if I approved the transaction. I responded no. Shortly after, I received a phone call from an individual who identified himself as a Wells Fargo representative. Based on the timing, context, and the callers knowledge and professionalism, I reasonably believed I was speaking with Wells Fargos fraud department. The caller informed me that my account was actively being compromised and that immediate action was required to protect my funds. I was instructed to move my money to a secure account to prevent further unauthorized activity. Acting under urgency and believing I was following legitimate instructions from Wells Fargo, I transferred approximately {$6000.00} via XXXX XXXX to an account provided by the caller. I later discovered that this was a scam involving impersonation and social engineering. At no point did I knowingly or willingly send money to a scammer. My actions were taken under false pretenses, as I believed I was protecting my account in coordination with Wells Fargo. I promptly reported the incident to Wells Fargo and filed a fraud claim. However, my claim was denied on the basis that the transaction was authorized. I strongly dispute this determination. While I technically initiated the transaction, it was done under deception as part of a coordinated fraud scheme. This should not be treated as a legitimate authorized payment. This situation involves clear elements of impersonation fraud and social engineering, where the scammer manipulated me into transferring funds by posing as a trusted financial institution. I believe this type of fraud should be covered under consumer protection standards, as I did not provide informed or legitimate authorization for the transfer. I am requesting that Wells Fargo : Reopen and fully reinvestigate my claim under fraud and scam-related protections Reclassify this incident as fraud rather than an authorized transaction Provide a detailed explanation of their denial decision and the criteria used I have also filed reports with the Federal Trade Commission and the FBI Internet Crime Complaint Center , and I am willing to provide any supporting documentation. I respectfully request that the CFPB review this matter and assist in ensuring a fair and thorough reconsideration of my case.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Madison Auto, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, TX XXXX I don't have any information for ARRA Finance XXXX name : ARRA Finance XXXX XXXX XXXX XXXX XXXX I am filing a complaint against ARRA Finance for inaccurate credit reporting, unauthorized account changes, and false repossession reporting. I have never signed any agreement or contract with ARRA Finance. This account was originally with XXXX XXXX, and it appears to have been transferred without my authorization. ARRA Finance has changed the account number without my knowledge or consent, and I have not received any documentation showing that I agreed to any new terms. ARRA Finance is also falsely reporting that my vehicle was repossessed. This is not accurate. I personally contacted the company and asked them to pick up the vehicle because it was not drivable due to a transmission failure. The cost to repair the transmission was approximately {$7000.00}, which I could not afford. It took approximately XXXX months for them to retrieve the vehicle. I did not sign any voluntary surrender or repossession documents. Additionally, the vehicle had major mechanical issues, including XXXX engine replacements in XXXX and XXXX due to recalls, and then the transmission failed in XXXX. These issues contributed to my financial hardship. ARRA Finance has failed to provide any proof of a signed agreement with me, validation of the debt, or documentation showing they have the legal right to collect or report this account. This appears to be a violation of the Fair Credit Reporting Act, including reporting inaccurate information and failure to verify disputed information. I am requesting : A full investigation of this account Removal of all inaccurate information related to ARRA Finance from my credit reports Proof of any signed agreement bearing my signature Documentation showing legal transfer of the account If ARRA Finance can not provide proper documentation, this account must be deleted from my credit file. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding a collection account reported by CREDIT COLLECTION SERV on behalf of XXXX in the amount of {$680.00}. I have concerns regarding the accuracy and validity of this account. I have not been provided with sufficient documentation to verify this debt, including a full account history, billing records, or proof that I am legally responsible for the amount being reported. Additionally, this account has been reported to credit bureaus, which is negatively impacting my credit profile, despite the lack of proper validation. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, I am requesting full validation of this debt, including documentation from the original creditor and proof of authorization to collect and report this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have been having issues for over a year now with TransUnion. They have me locked out of my credit file and I'm unable to submit disputes online. The last time I spoke with them, they claimed that due to the identity theft I've had, they locked my account and I'm only able to call and file disputes over the phone. The issue with that is, I'm unable to upload documents to prove the accounts are not mine, therefore not allowing me to correct the issues. I spoke to them several months ago and requested they remove the block from online access to disputes, and they have failed to do so. This is my last attempt for TransUnion to remove this block and restore my access. If they fail to do so I will seek legal counsel and take them to court. I have several accounts that need disputed AGAIN, and I'm unable to do so. I've attached the FTC Identity Theft report to this complaint as well.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
Filed a dispute on XX/XX/XXXX for unauthorized charges made from my bank account by a foreign company. I let them know I'd be submitting more information due to being pretty certain who made the charges. They denied my dispute immediately. By the XXXX, I had the police call card and a affidavit from the person responsible for the charges. I submitted both on the XXXXXXXX XXXX XXXXXXXX. Today is XX/XX/XXXX and I have heard nothing from the resolutions department. Please keep in mind this is {$5600.00} of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Here the proof u guys tried take FULL STATEMENT WITH OUt ANY Confirmation they switch auto payment Let start by showing in my email I have no confirmation that my auto payment as been switch I also showed the ussaly wat it said which is my minum payment is due which has been on auto pay forever I was first notified about through my bank as fraud telling me unusual activity. Large sum about be taken I then saw it was Best Buy After trying to go there auto mated system I reach a citi bank representative the guy quickly confirmed that this was taken care of on the same day this is show as I have feed back form in my email I then also called my bank to stop the payment. Know what I had no idea was Best Buy continued to take the payment even after a direct call I then called Best Buy and spoke to head person were they said because this was day after there nothing they could do. And the cal I made that guy said he took care of it ment nothing. If wasnt for my bank I be out of full amount I have XXXX auto pay of XXXXXXXX XXXX and know XXXX $ charge / full statement U dont think thats weird This went on for XXXX XXXX weeks in mean time they didt get there {$200.00} which I didt realize because acount still showing they got ton of money nothing self leveled yet The XXXX week of next mounth and finally I was able see wat happed I then got a late fee after Best Buy tried pull amount took XXXX weeks sort this out I then tried to pay and I didt realize my bank didt just stop a payment they stoped all transaction So I tried pay Them got declined this happened for at least XXXX week then I called they said they fixed it on my bank but they failed to tell me it takes min a week to restate payment. It took a while they finnaly stated geting payed XXXX XXXX not longer allowed to pay auto pay I tried evthing started keeps closing me out And customer service had same issue So know XXXX stuck paying XXXX So best saw XXXX missed payments closed my acount but never took a look into full story And know I get notification after every time I pay were as before I got nothing Only thing I get XXXX time a month that my mom payment was due even though auto payment was on This is worst credit card ever I want no part in it I just dont want this on my permanent record why XXXX fighting it I cut the card in half I was done before they closed it I will provide proof that I contacted them below I provide Mutiple screen shots that I never got switch of payment notification nothing All way back from my last auto payment

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 2026-04-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
Took out a personal loan of XXXX from one main financial about five years ago and till this day I have not made a budge on this debt. It seems the interests rates are extremely high

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am filing this complaint regarding actions taken by American Express concerning an alleged credit card account. I dispute the validity, ownership, and enforceability of the alleged obligation. I previously requested validation of the debt, including proof of ownership, a complete chain of title, and documentation supporting the enforceability of the account. American Express failed to provide sufficient documentation to substantiate its claim. Instead of properly responding to my requests, the company initiated legal action in state court. The governing Cardmember Agreement contains a binding arbitration clause requiring that disputes be resolved through arbitration upon election by either party. Despite this, American Express proceeded with litigation rather than complying with the agreed-upon dispute resolution process. As a result, I have been forced to initiate arbitration through the American Arbitration Association in order to enforce the terms of the agreement and properly resolve this matter. American Expresss actions appear to disregard its contractual obligations and have caused unnecessary legal burden and expense. I am requesting that the company comply with the arbitration provision, provide proper validation of the alleged debt, and cease any improper legal actions inconsistent with the governing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
I took out a personal loan of {$3000.00} with this company. Within only 23 days, I decided to cancel or pay off the loan. However, I was informed that I would have to pay approximately {$350.00} in fees. These charges were not clearly explained to me at the time I took the loan. I contacted the company to request clarification, but I did not receive a clear or fair explanation. I believe these fees are excessive and unfair, especially considering how quickly I attempted to cancel the loan. I am requesting that these fees be removed or significantly reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: VA

Complaint narrative:
Hi, I initiated a money transfer with worldremit on XX/XX/XXXX with transfer number XXXX. They confirmed the money was delivered, but few days later recipient said they did not get the money. Upon rechecking, I discovered that the XXXX number had a mistake. The recipient reach out to their bank and was told that they haven't received any remittance and that the XXXX number used for the transaction does not even exist and directed us to worldremit for further assistance. I checked with worldremit customer service over chat on XX/XX/XXXX and a case # XXXX. They said they will provide a proof of deposit within XXXX hours. They never responded, so I followed up again on XX/XX/XXXX. The said that they have received confirmation from partner bank of receipt but still did not provide any proof of deposit from their partner in foreign country and told me that they are requesting a proof of deposit and will provide us. Again, they never responded so I followed up on XX/XX/XXXX over chat and XX/XX/XXXX via phone. The phone support told that since account does not exist to money will come back to them and at that time they will refund me. On XX/XX/XXXX, got an email saying that we have review your request and the money was delivered but still did not provide any proof of delivery. I responded telling the account does not exist so money could not be delivered. Got another email on XX/XX/XXXX stating the same and still no proof of delivery, I replied asking for proof of delivery from their partner but they haven't responded ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CA

Complaint narrative:
Affirm has been harassing me for months even though I am making my payments. I lost a job and had to pause payments for a bit once I restarted paying them. They started harassing me at all hours of the day. They just called me after XXXX and I know it is illegal for them to do so. Also, each time I block a number, they contact me with a different one. So, they are purposely harassing me and trying to psychologically torture me. I will be suing after this report as well!! I sent them an email asking them to no longer contact me and they continue to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX - XXXX reported a fraudulent charge from a XXXX clothing company. Barclays investigated it and denied my claim. Barclays did not request any information from me on the matter. I also reached out to the clothing company to investigate this matter. We aligned that my account was hacked and they opened an investigation on their side. XXXX - XXXX reopened the case again as it is a charge on my card made without my permission. Barclays again did not request any information from me regarding the fraud charge. XXXX - Barclay denied my XXXX claim for fraud. I called and questioned why and they stated they had evidence from the clothing company that the charge was legit. I requested they send me this information. When I asked them why they hadnt requested evidence from my side they said they will give me their fax information. I stated no one has a fax machine anymore and then they said theyd send me a letter to respond to with my evidence via mail, and that they wouldnt accept any evidence via email or internet. They also said I should take up this matter with the clothing company, I told them I did and the clothing company insists I take the matter up with my credit card company. I have gone back and forth with the credit card company many times and it is a useless circle of the same communication with XXXX help.

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 2026-04-01 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian , XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized information on my report. I need these items blocked and removed as soon as possible.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Unauthorized ACH fraud occurred on my business checking account following a fraudulent account verification process. On XX/XX/year>, two micro-deposits ( + {$0.00} and + {$0.00} ) labeled XXXX XXXX XXXX were posted to my account, indicating unauthorized account linking. On XX/XX/year>, a {$0.00} test withdrawal occurred, followed by an unauthorized ACH withdrawal of {$9200.00}. On XX/XX/year>, a second unauthorized ACH withdrawal of {$7400.00} was processed to the same recipient. Total unauthorized withdrawals were {$16000.00}. I discovered the activity on XX/XX/year> and reported it immediately. Wells Fargo denied my claim, citing ACH return timing rules, and did not address how unauthorized access was established or why fraud detection systems failed to stop repeated suspicious transactions. Additionally, Wells Fargo blocked XXXX access to my account, which disrupted my legitimate XXXX integration. As a result, payroll has been missed, manual checks have been issued, and payroll taxes are not being processed properly, exposing my business to IRS and state penalties. This issue involves unauthorized account access, failure to detect a known fraud pattern ( verification test large withdrawals ), and ongoing business damages caused by the banks response.

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