vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
XX/XX/2026 Cash App restricted my funds in my account for the amount of {$2400.00}. XX/XX/2026 i verified my account and asked Cash App for a withdrawal of my funds out of there which is {$2400.00} I have not got a respond I have called multiple times, also logged complaints that they claim have been escalated to a specialist team ACIS but have not got any updates regarding my funds it has been over a month they have had my funds restricted I have no money to take care of my child and have caused me financial hardship I can not pay my bills or anything. I first was told 10 business days then 30 days now when I called XX/XX/2026 someone told me no timeframe they are not giving me a reason why my account that I have had for 3 years is restricted and can not just keep holding my funds its starting to become suspicious like they want to keep my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding a collection account that has been reported on my credit file. This account does not belong to me. I have never had any account or business relationship with this creditor, nor have I authorized any such obligation. The collection account was reported on or around XX/XX/year>, with a balance of approximately {$1200.00}. I disputed this account with the credit bureau, but it continues to be reported without proper validation. I formally requested validation of this debt from the collection agency, including the original creditor information, signed agreement, and full account history. However, no sufficient documentation has been provided to prove that I am responsible for this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt collector must provide proper validation and can not report inaccurate or unverifiable information. This inaccurate account has caused significant harm to me, including a substantial drop in my credit score and reductions in my credit card limits. It has negatively impacted my financial standing and created unnecessary stress in my daily life. Since this account is not mine and has not been properly validated, I request that this collection account be immediately removed from my credit report. Additionally, I request compensation for the damages caused by this inaccurate reporting, including harm to my credit profile and financial opportunities. If this matter is not resolved promptly, I will consider further actions to protect my rights. I request a full investigation and deletion of this account from all credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a XXXX XXXX senior whose sole income is protected XXXX. I am homeless and living in an RV. I am filing this complaint against Wells Fargo and their agents for severe violations of the FDCPA and the Rosenthal Act. INTERNAL BRANCH FRAUD : This debt originates from a fraudulently created application at a physical Wells Fargo branch. I disputed this, and Wells Fargo recently sent me a copy of the fraudulent application, which only confirms the criminal activity. They have failed to provide a meaningful investigation into this internal fraud. VIOLATION OF CEASE AND DESIST : On XX/XX/year>, I sent a formal Cease and Desist ( C & D ) via Certified Mail, notifying the company of my " Judgment Proof '' status. Despite this, the company sent a new settlement offer in XXXX XXXXa direct violation of 15 U.S.C. 1692c ( c ). WEAPONIZATION OF LAW ENFORCEMENT : After receiving my C & D, the company engaged in illegal skip-tracing. They contacted the XXXX Police Department ( XXXX XXXX ) under a false pretense to pinpoint my physical location ( my RV ). This was a deceptive attempt to bypass my C & D and harass me. DECEPTIVE TACTICS : I have received masked/anonymous phone calls intended to intimidate me after my formal C & D was received. SAFE HAVEN ADDRESS : The mailing address provided in this complaint is a 'Safe Haven ' address for communication purposes only. I am currently homeless and residing in my RV. The company has previously used my physical location to harass me via local law enforcement, which is why I am utilizing a third-party mailing address for my safety and the safety of my family.

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 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged {$91.00} by XXXX for a subscription I did not authorize. I have documentation showing no active subscription exists on my XXXX account since 2024. I filed an unauthorized transaction dispute with XXXX and they sided with the merchant without adequately reviewing my evidence. I am requesting this charge be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Between XX/XX/XXXX to XX/XX/XXXX I made XXXX investments in cryptocurrency that were fraudulent. I had an advisor. I thought it was all a scam I lost {$1.00} XXXX. I have been in contact with law-enforcement sheriff FBI Secret Service XXXX XXXX, XXXX XXXX XXXX, Coinbase with their contracted firm, XXXX XXXX has been assisting and has performed a tracing. The assets have been traced to exchanges and wallets. The next step is to open the wallets that takes a subpoena so far law-enforcement has not done this Im somewhat frustrated. Its been several months and I have been in contact with these services since last XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have a debt collection for an old XXXX credit card settlement from 2017. The debt was sold to several companies, including Portfolio Recovery and a law office in Texas that is working for Portfolio Recovery. I had been receiving spoofed phone calls from Portfolio Recovery leaving threatening messages as well as text messages with statements about how my limit was expired and I could be taken to jail if I did not reach out to them about a case. This company also called my siblings, parents and even my spouse trying to get information about me as well as leaving voicemails about facing jail time. I had not received any paperwork from either of these companies since last year but I still occasionally receive spoof calls and random texts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am filing a complaint against Kikoff Credit regarding their handling of my identity theft dispute. I initially submitted the requested identity theft documentation for fraudulent accounts or activity connected to my credit file. I was informed the documents were acceptable, but then Kikoff later changed their position and stated the information was not enough. They then requested documentation showing that my phone had been compromised. I provided that documentation as requested. After I complied again, Kikoff reversed course and said they now wanted identity theft documents again. I asked them to clearly explain the exact documentation they require so I can fully resolve this matter and provide whatever is needed. They have refused to specify what exact documents they want, while continuing to delay resolution of my dispute. This has created unnecessary hardship, confusion, and prolonged the correction of fraudulent activity affecting my credit. I am requesting that Kikoff either : Remove the fraudulent information immediately based on the documents already provided. I believe their process has been inconsistent, unclear, and unfair to consumers trying to resolve identity theft issues in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App denied my dispute for {$29.00} and the appeal. I showed them that the site XXXX XXXX Smoke Shop is fake. I never received my product or money. Cash App said that once a decision is final that's it. Oh I accidentally hit the button that said no I have not talk to them here on this site. So now I will never see my {$29.00}. Also, fraud has been committed in my account by people using my account making transactions I didn't make. They reimbursed me for XXXX of the charges and not all XXXX. I need help getting help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/year>, I accidentally sent {$1000.00} via XXXX through my Wells Fargo account to the wrong recipient. I did not intend to send money to this individual, and as soon as I realized the error, I contacted Wells Fargo immediately. I called Wells Fargo XXXX ( XXXX ) including speaking with a supervisor. Each time, I was told there was nothing they could do and that the case was closed due to 'consumer error. ' I was given no path to escalation or resolution. I also contacted the unintended recipient directly. They confirmed they did not expect or request the funds and stated they opened a claim on their end as well to assist in returning the money. Despite both parties being willing to resolve this, Wells Fargo has refused to take any action to facilitate the return of the funds or coordinate with the recipient 's bank. I am requesting that Wells Fargo reopen this case, coordinate with the recipient 's financial institution to reverse the transfer, and return {$1000.00} to my account. Both parties have cooperated fully and there is no reason this transfer can not be reversed.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, I was conducting business at the Chase Bank branch in XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ). I was discussing my pending mortgage application, as well as the potential opening of a brokerage account. Upon discussing my travel needs, it was decided that it would make sense for me to apply for a sapphire reserve card as I travel 40 % for work and there was a good bonus going on. I could have done a product change from my Sapphire Preferred card instead of performing a new application. At the erroneous advice of some bankers in the branch - assuring me there was a extremely high likelihood I would be approved based on my existing relationships with Chase ( credit cards, car loan, checking account, mortgage, business credit cards ), I applied for the card in person. I explained my fears of denial and a hard pull for no reason explicitly. Despite my reticence I reluctantly decided to proceed with the application in the branch. I informed the bankers that if I was denied and I got a hard pull on my credit report for no reason, I would be very angry. My wife and I are applying for a loan on a new house. However, my company will reimburse me for the annual fee on a card and I fly a lot for work so I was wooed into pulling the trigger. Now because of the misinformation from the branch I have a hard inquiry on my credit report with nothing to show for it. I have attached the full Credit Card Disclosure provided to me at the time of application. That document contains no mention of any " 5/24 ' rule or across-issuer card-count restriction of any kind. The only approval criteria disclosed is that Chase will review my credit report to confirm I meet 'the criteria for this offer ' criteria that were never specified to me in writing or verbally prior to application. Had I been informed of this policy, or advised that a product change from my existing Sapphire Preferred would be preferred and accomplish the same goal without a hard pull, I would not have applied ( albeit with no proferred bonus ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Freedom Mortgage Company
State: NY

Complaint narrative:
On numerous occasions, I have requested from Freedom Mortgage that my mortgage statement be sent in a reasonable amount of time. They usually send it only XXXX days before payment is due. This month as of XX/XX/year> I have not received a statement. ( payment is due XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
Formal Complaint Regarding Unresolved Dispute with American Express To the financial regulator, I am writing to request formal assistance in resolving a dispute with American Express. Despite receiving confirmation from the merchant, XXXX XXXX XXXX, on XX/XX/XXXX that a chargeback of {$650.00} was approved and processed on XX/XX/XXXX, American Express has failed to credit my account and continues to demand payment. I have contacted American Express multiple times regarding this credit, but the issue remains unresolved as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Rocket Mortgages refusal to consider a goodwill adjustment for a single late payment reported in XX/XX/XXXX on Loan # XXXX. I am not disputing the accuracy of the payment history. I acknowledge that the payment was received after the due date due to a one-time clerical error when scheduling payments from XXXX bank accounts. XXXX payments were intended to be made from separate accounts, but both were mistakenly scheduled from the same account, causing XXXX to be returned. Due to the holiday season, I was not immediately aware of the issue. As soon as I became aware on XX/XX/XXXX, I immediately corrected it by submitting a {$10000.00} payment to bring the account fully current and cover any associated fees. I have maintained excellent credit dating back to the 1990s and have never had a late payment on any obligation. I currently hold XXXX additional mortgages that have never once had a late payment. This is a single, isolated incident that does not reflect my financial behavior. I have made multiple attempts to resolve this directly with Rocket Mortgage, including formal written requests, a handwritten letter sent via UPS ( tracking number XXXX, delivered and signed for on XX/XX/XXXX ), and a formal Qualified Written Request. Rocket Mortgage acknowledged my strong payment history and confirmed that this was an honest mistake that I corrected immediately. However, their responses repeatedly deny my request by stating they are required under the Fair Credit Reporting Act ( FCRA ) to report accurately. This does not address my actual request. I am not disputing accuracy I am requesting a discretionary goodwill adjustment. Rocket Mortgage also publishes guidance indicating that goodwill adjustments may be considered in appropriate circumstances. Despite clearly meeting the criteria of a one-time error with an otherwise flawless history, they have refused to apply discretion and have not provided a meaningful explanation as to why. This has caused significant financial harm, including reductions in credit limits and account closures by other creditors, despite my long-standing history of responsible credit use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
I am filing a complaint against Napa Lending regarding what I believe to be predatory and unfair lending practices. I initially borrowed {$300.00} from this company. Since taking out this loan, I have paid approximately {$1800.00} in total payments. Despite this, the loan has not been reasonably resolved, and I have continued to be charged excessive amounts far beyond the original loan value. The repayment structure appears designed to keep borrowers in a cycle of debt through repeated withdrawals, high fees, and/or interest rates that are not clearly or fairly disclosed. At no point was it made clear that I would end up paying several times the original loan amount. I believe these practices are abusive and financially harmful. I am requesting : A full accounting of all payments made Immediate cessation of further withdrawals Closure of this account A review of whether I have already overpaid beyond what is legally owed This situation has caused significant financial strain, and I am seeking resolution and protection from further harm. Supporting Details : Loan Amount : {$300.00} Total Paid : Approximately {$1800.00} Most Recent Charge : {$100.00} on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am in the XXXX program. I noticed that XXXX of my payments were marked as non qualifying. After several phone calls between Fed student aid loans and Mohela, I was informed that the XXXX and XXXX of XXXX were put into administrative forbearance by Mohela due to transitioning to a new systems platform. Fed loans informed me that if the forbearance was not at my request or fault, then mohela would need to retroactively make the correction. Mohela informed me that it was just a decision they made to put those loans in administrative forbearance during the transition, and even though it was not of my doing, nor was I notified, I happen to come across it on my own, they will not be able to do anything about it. My payments were set to auto pay, so they also decided not to collect payment for those XXXX months, therefore not only did they not qualify for PSLF, it also has extended the term of when the XXXX payments will be met. They also would not allow me to pay them now in order to stay on the timeline for the XXXX payments. My only choice they gave me was to extend the payments XXXX months more to meet the qualifying payment count.

Company response to consumer: Untimely response