vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been disputing TransUnion, XXXX, Experian, and XXXX XXXX XXXX for the inaccuracies re : XXXX XXXX XXXX since XXXX. I get ill, recover, then dispute again, but all TransUnion repeatedly sends me ( in remarkable short duration timeframes ) are letters stating, VERIFIED ACCOUNT in bold capital letters when this is not what was requested of XXXX, or they will go into the alleged account in question and put a negative code, change what was put on the account in the first place, but XXXX XXXX XXXX has never verified anything in all these years. Now, they also added in the letter attached we updated : Historical Trended Data. I keep receiving stall tactic letters along with unverifiable dismissal letters. Please see attached letters. All letters are sent by XXXX Mail ( receipt included as proof of letter mailed on XX/XX/XXXX and my unverified letter is dated for XX/XX/XXXX. TransUnion in regards to XXXX XXXX XXXX was requested to do an extensive investigation into my complaint with consumer credit file. The investigation timeframe proves they did not conduct a comprehensive investigation or spend anytime on my claims. TransUnion concluded their unverified findings like all my other dismissal letters sent to me. Please have TransUnion honor the FCRA laws. If a dispute is never it must be deleted.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IA

Complaint narrative:
Dear Sir/Madam, I am writing to request validation of the debt that you claim I owe formally. Under the Fair Debt Collection Practices Act, I have the right to request this verification. Please provide me with a detailed account of the alleged debt, including : the amount owed, the name of the original creditor, and any supporting documentation that shows I am responsible for this debt. Until I receive this information, I request that you cease all collection activities and reporting to credit bureaus. Please respond to this request in writing within XXXX XXXX Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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:
I am filing a complaint regarding Bank of Americas handling of a credit card billing dispute involving a {$12000.00} charge from XXXX XXXX XXXX. The dispute was initiated in XX/XX/year> for services not rendered and failure to honor a contractual refund guarantee. This transaction was for an affiliate marketing/business services program, not a physical product or merchandise. The dispute involves a failure to deliver promised results and a refusal to honor a clearly stated refund guarantee. I fully participated in the program, documented my efforts, and submitted all requested information and supporting documentation to both the merchant and Bank of America. Despite this, the merchant refused to honor the refund, and Bank of America failed to properly evaluate the dispute under the correct standard for services. Bank of America denied my claim primarily on the basis that I did not respond to requests for additional information that were allegedly sent to me by mail. I did not receive any of these letters or requests, and therefore was not given a fair opportunity to respond. I made multiple attempts to follow up, reopen the claim, and request clarification regarding what additional information was required. However, Bank of America has continued to delay or deny resolution without addressing the core issue of the merchants failure to honor the refund guarantee. More recently, I have been asked to provide additional documentation such as a second opinion letter, which is unclear, not previously disclosed, and not applicable to the type of service involved. This represents shifting requirements after the fact, despite the fact that I have already provided all relevant documentation in good faith. This reflects a failure to conduct a reasonable investigation, a failure to provide proper notice, and an inconsistent and unclear dispute process. Denying or delaying a claim based on correspondence that was never received, while simultaneously requesting new and undefined documentation, is not a fair or valid resolution process. Additionally, this dispute has been ongoing for several months, well beyond standard billing dispute timeframes, creating financial uncertainty. While a temporary credit was issued, no final resolution has been provided. I am requesting that this matter be reviewed under the correct standards for billing disputes involving services not rendered and breach of a refund guarantee, and that Bank of America be required to complete a proper and final investigation with clear and consistent communication.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I have a square account that I have had for several years now and have used in the recent months. One of my customers paid using a credit card the amount owed to me through my Square account. I sent an order that was created on XX/XX/XXXX at XXXX XXXX My customer paid and I received payment from my customer on XX/XX/XXXX at XXXXXXXX XXXX I have the Square account app still on my phone and can show that the money was received In the amount of {$22000.00}. that same day, XX/XX/XXXX, I went to transfer the money from my Square account using the app, and received a notice saying that my account was under some type of review. I then disputed this with Square and called Square three times talking to three different representatives. I then received a notice that my square account, this was from Square via my email and app, saying that my account was being closed. The three individuals that worked with square that I talked with were rude and would absolutely not tell me why it was under review and then why it was being closed. When I tried to call back a fourth time, square made it to where I could no longer access any prompts in their system. They knew who I was and they weren't about to talk to me. It was like living in a XXXX XXXX in the fact that I was treated like I had not been a long-term square customer and that I was owed no explanation as to how to fix whatever problem could potentially be considered and then how to reopen my account. I've done nothing to change any information in my account and it has been used without problems in the past. I have been completely baffled as to why I was not given any information on why they were closing the account and or how I could resolve any issue that they had so that I can continue to use my account and therefore transfer the money I had received. They have completely locked me out as far as getting any customer service. I had to my customer put in a complaint and explanation with their card company and after a few weeks the card company said they could do nothing as far as stopping payment and that payment went through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: TX

Complaint narrative:
Around XXXX XXXX I received an text message from XXXX XXXX which I don't know the company and seems like it phishing for information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Cypress Creek Financial, LLC
State: KS

Complaint narrative:
Mistakenly received a XXXX $ loan from Get Green 123 as I thought % rate was 9.5 %. Turns out it was 950 %!! I emailed the company on Thursday, XX/XX/XXXX requesting the auto withdrawal be cancelled. The company responded that my email didn't exist on their system, even though that's the email I signed up with. No response after that. Called customer support XXXX, XX/XX/XXXX to request the auto pay be cancelled and requested info to send in pymt by money order. She didn't give me address to send pymt to instead requesting I send an email to set that up. She verified the change would be made cancelling auto pay for XX/XX/XXXX and that I would receive confirmation of this call by email. Verified that my email was on file - She said it was even after I told her that earlier I had been notified that the email associated with my acct was invalid. To date I have received no communication that my auto pay has been cancelled. I called AND emailed today, XX/XX/XXXX. No response received. I can not log in to view anything on my acct because it doesnt recognize my email even tho I was told it had been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I am submitting a complaint regarding Wells Fargos handling of a fraud claim involving a peer-to-peer payment. On XX/XX/year>, I sent {$50.00} to an individual for services that were agreed upon in advance. After receiving the payment, the individual failed to provide the service and immediately ceased all communication. I was subsequently blocked. This indicates the payment was obtained through deception, as the individual misrepresented their intent in order to receive funds. I reported this as fraud to Wells Fargo. However, my claim was denied before I was asked to provide any supporting documentation or evidence. I was not given an opportunity to submit proof such as communication records, confirmation of being blocked, or information showing similar complaints from other individuals involving the same person. My concern is that Wells Fargo did not conduct a reasonable or thorough investigation prior to denying this claim. A fraud determination appears to have been made without reviewing relevant evidence. I am requesting that Wells Fargo explain how this determination was made without evaluating supporting documentation, and that this claim be reopened and properly reviewed based on the full set of evidence. I have since gathered documentation supporting the fraudulent nature of this transaction and am prepared to provide it 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
XXXX was on XX/XX/year>. The tow company used a truck with no bed, which caused the front wheels to be on the ground. My car is an all wheel drive and can not be towed that way. The alignment and front tires were damaged. The damages totaling around {$900.00}. Also the front headlight was cracked. I've reported this to the bank and they are denying fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MD

Complaint narrative:
A Savings and checking account was opened using my information with US Bank NA. Also a credit card account was attempted but declined. once i started receiving approval messages for account request and opening Called the company to report as fraud. I believe the leak could be at a collections agency called XXXX calling to resolve balances, mostly from phone number 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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Best Buy Credit Card because I ordered via the Best Buy customer support chat box on the website. They shared that I could earn rewards points if I open a credit card with them and I agreed. I was awarded the points in XX/XX/year> and expire in a month. I now want to use the points but they told me once they expire I can not do anything about it. I can't escalate my case or appeal. Once I lose it, it's gone. This is unfair because the rep never mentioned they expire.

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 2026-03-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This account with Covington Credit was included in my XXXX XXXX bankruptcy and legally XXXX in XXXX. Despite this, the account continues to be reported as a charged-off account, which is inaccurate and misleading. On XX/XX/XXXX, I sent certified letters to both Covington Credit and XXXX XXXX XXXX XXXX requesting validation of the debt and correction of the reporting. I have proof of certified mailing. The companies failed to provide proper validation or correct the inaccurate reporting. Instead, the account continues to appear on my credit report in a way that negatively impacts my creditworthiness. Additionally, the debt was sold to a third-party collection agency, yet the original creditor is still reporting the account inaccurately. This creates duplicate and misleading reporting. This behavior violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as well as the bankruptcy discharge injunction under 11 U.S.C. 524. I have made multiple attempts to resolve this matter directly, but the companies have failed to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I refinanced my vehicle through a finance company in XX/XX/XXXX. After the refinance was completed, I received confirmation from the previous lienholder that the loan had been paid in full and the lien on the vehicle was released. In XX/XX/XXXX, the vehicleused as collateral for the refinanced loanwas declared a total loss. Since then, my insurance company has been attempting to issue payment for the total loss claim. However, the process has been delayed because the current finance company has not properly perfected the lien or provided the necessary documentation required by the insurance company. As a result, the insurance payout is on hold, and the loan balance has not been applied or reduced. Despite this, the finance company continues to require full monthly payments and has not paused or adjusted the account. This situation has negatively impacted my credit, financial stability, living situation, and overall mental health. I am seeking legal advice on how to proceed, given the finance companys failure to perfect the XXXX and cooperate with the insurance company, as well as their continued demand for payments under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I sent a formal Cease and Desist / Debt Validation letter via XXXX Certified Mail to XXXX XXXX XXXX XXXX. The letter was delivered and confirmed received on XXXX XXXX XXXX as evidenced by the returned XXXX XXXX (XXXX XXXX Tracking Number: XXXX XXXX XXXX XXXX XXXX XXXX.\n\nMy letter demanded:\n\nWritten confirmation of the debt within 15 days of receipt\nDeletion of any tradeline(s) from my credit reports within 30 days of receipt\nAs of today, XXXX XXXX XXXX XXXX days after confirmed delivery I have received no response whatsoever from XXXX XXXX XXXX XXXX. They have failed to validate the debt, failed to cease collection activity, and failed to remove any tradeline(s) from my credit reports as demanded.\n\nFurthermore, I have documentation showing that the original account (Upgrade Account #XXXX) was sold by Upgrade, Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as confirmed in a letter I received directly from Upgrade. XXXX XXXX XXXX XXXX is collecting on a debt for which their legal authority to collect has not been established or validated.\n\nThis conduct constitutes violations of:\n\nFDCPA 1692g Failure to validate the debt upon written request\nFDCPA 1692e False, deceptive, or misleading representations\nFDCPA 1692c(c) Failure to cease communication after written notice\nFCRA 1681s-2 Reporting inaccurate information to credit bureaus\nI am requesting the CFPB investigate this matter, compel XXXX XXXX XXXX to respond, and ensure all inaccurate tradelines are removed from my credit reports immediately.\n\nUpdated mailing information: \XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
HELVEY ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research HELVEY ASSOC 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
I bought my house back in XX/XX/year>. XXXX XXXX got me approved based on my overtime pay. In which they triple the amount into the application to get me approved. I was told I would get a XXXX interest rate and mainly a mortgage payment around XXXX per month. Upon closing day, I was presented the higher interest rate of XXXX percent and a much hight mortgage that is almost XXXX percent of my monthly income. Then I was told if I cant afford the mortgage payment there is tons of help that will be provided to me. All I need to do is getting my home first. Now due to medical illness I cant work as much as I am used to and I can not afford my payment. I have reached out to the mortgage company so many different time and they are refusing to help me. They had me going to XXXX different company. XXXX, XXXX and loancare stating they would provide help, and no help is given.

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 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I made a mortgage payment online and then enrolled in autopay. As a result, Rocket Mortgage withdrew a second, duplicate payment from my account that was not intended or authorized as an additional payment. I immediately contacted Rocket Mortgage to request a refund. I was told they could not process the refund over the phone due to technical difficulties and was instructed to submit a bank statement to their research team. I complied and submitted the requested documentation. Rocket Mortgage never confirmed receipt of my bank statement and provided no updates. On day XXXX, after I contacted them again, I was told that more research is required, which is unreasonable given that this is a straightforward duplicate withdrawal. During that same interaction, a customer service representative instructed me to resend my bank statementthis time directly to a manager via emaileffectively restarting the process. This is unacceptable and unnecessarily burdensome. This situation involves nothing more than returning funds to the exact account from which they were withdrawn. Rocket Mortgages handling of this issue demonstrates poor internal controls, lack of accountability, and unreasonable delays in returning consumer funds. Their stated policy of 710 business days plus additional processing time is excessive for correcting an error they created. This delay is causing unnecessary financial disruption, and the repeated requests for documentation and additional research appear to be unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
IC SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM 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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
SUPPLEMENTAL UPDATE ( XX/XX/year> ) : Ally Financial has failed to respond to my final notice of intent to surrender the vehicle. Despite my good-faith efforts to mitigate their loss, they have reported a delinquency to my credit report while the dispute was active and have now ignored my legal correspondence for XXXX days. I am now being forced to move the asset to a secure storage facility to prevent an unauthorized breach of peace, and I will be seeking sanctions in my upcoming XXXX filing due to Ally 's refusal to coordinate a lawful recovery of their collateral.

Company response to consumer: Closed with explanation