vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
I tried to use Cash App to send money to my XXXX. I attempted to reload my balance with XXXX XXXX but after charging me, they said, Failed For Security Purposes Keeping your account secure is our main priority at Cash App. Our security process reviews multiple data points in real-time to determine whether a transaction can be completed. If anything appears out of the ordinary, the payment will fail for your protection. I called support and texted them, but they did not understand the problem and were useless and rude.

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 is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To Whom It May Concern at LVNV Funding LLC, This letter serves as a formal demand that you immediately CEASE AND DESIST all collection activity regarding the alleged debt you claim I owe. I dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., you are required to provide proper validation of any alleged debt. To date, you have failed to provide sufficient evidence that I have any legal obligation to pay this account. Take notice of the following : I demand full validation of this alleged debt, including : The original creditors name and address The full account number A complete payment history A copy of any contract or agreement bearing my signature Proof that LVNV Funding LLC has legal standing to collect this debt Until such validation is provided, you must immediately cease all collection efforts, including but not limited to : Phone calls Letters Credit reporting activity If this account is currently being reported to any credit reporting agency, you are hereby instructed to mark it as DISPUTED immediately. Any further attempt to collect on this debt without proper validation will be considered a knowing violation of the FDCPA and other applicable laws, and I will not hesitate to pursue legal action, including filing complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General Be advised that I am documenting all communications. Any continued harassment, false reporting, or failure to validate this debt may result in civil liability, including statutory damages, actual damages, and attorneys fees. This is your opportunity to correct your records and comply with federal law. If you can not validate this debt, you must immediately delete any reference to it from my credit file and cease all contact with me. You are instructed to respond to this request in writing only. Do not contact me by phone. Failure to comply with this notice will result in further action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am submitting this complaint regarding an account that is currently being reported on my credit file beyond the maximum allowable reporting period as defined under the Fair Credit Reporting Act ( FCRA ). Based on my records, this account exceeds the seven ( 7 ) year reporting limitation from the original date of first delinquency. As such, it is considered obsolete and should no longer be included on my credit report. The continued reporting of this account is both inaccurate and in violation of federal law, and it is adversely affecting my creditworthiness. I respectfully request that this matter be thoroughly investigated and that the account be promptly removed from my credit reports with all major credit reporting agencies, including XXXX, XXXX, and XXXX. Please provide written confirmation once the investigation is complete and the account has been deleted. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX ] XXXX XXXX XXXX XXXX NJ XXXX Last SS XXXX

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: Chime Financial Inc
State: DE

Complaint narrative:
I am submitting this complaint regarding XXXX unauthorized {$20.00} charges posted to my Chime XXXX XXXX account from a merchant labeled XXXX, totaling {$60.00}. The transactions occurred on XX/XX/year> ( {$20.00} ), XX/XX/year> ( {$20.00} ), and XX/XX/year> ( {$20.00} ). On XX/XX/year>, I first identified an unauthorized {$20.00} charge and contacted Chime the same day to report it ; I was informed I could not file a dispute until the charge posted. On that same date, I also discovered XXXX additional previously unknown unauthorized {$20.00} charges dated XX/XX/year> and XX/XX/year>, and I immediately filed disputes for both transactions on XX/XX/year>. On XX/XX/year>, after the XX/XX/year> charge posted, I filed a dispute for that transaction as well. On XX/XX/year>, Chime confirmed via email that the XX/XX/year> dispute was reviewed, found to be a billing error, and fully credited {$20.00} back to my account, explicitly stating : Our investigation team has reviewed your claim and concluded a billing error did occur. As a result, we have credited your account in the amount of {$20.00} along with any related charges, as applicable. This determination is critical because it shows Chime has already investigated the same merchant, the same transaction pattern, and identical {$20.00} charges and ruled in my favor, confirming unauthorized activity occurred. Despite this clear finding, Chime has refused to refund or resolve the remaining XXXX identical {$20.00} charges from XX/XX/year> and XX/XX/year>, even though they involve the same merchant, the same type of transaction, and were reported at the same time under the same dispute circumstances. I have contacted Chime multiple times since initiating these disputes and was repeatedly told that nothing could be done to expedite or escalate the investigation. Given that Chime has already determined at least one of these identical charges to be a billing error and refunded it, there is no reasonable basis for the remaining two charges to remain unresolved or under extended investigation. The inconsistent outcome across identical transactions indicates incomplete or improper handling of my dispute, and I am requesting immediate resolution and reimbursement of the remaining {$40.00} in unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I attempted to open a high yield savings account with XXXX by Goldman Sachs online. After multiple attempts telling me I need to call for further to complete the account opening process, I finally called the customer assistance line provided. After discussion with the representative, it was discovered that I was unable to open account as an account was previously opened fraudulently under my name at XXXX. In the past after receiving an account statement via mail for an account I never opened, I reached out to XXXX to advise that I had taken no action to open an account and the account was fraudulent. Since the verbal password, email, and phone number were all provided by the fraudster, I had no way to pass XXXX 's security settings and was told I would be unable to open an account. So since XXXX was unable to detect a prior fraudulent account opening, I am now being punished from any future, valid account activity with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a XXXX XXXX that I took out from XXXX auto sales in XXXX and I have the car for at least a year and I already gave XXXX grand towards my car and my loan was XXXX and after a year of payments it says I still owe XXXX. Where is all my money going to? Why havent my loan went down I need my XXXX grand to be placed on my account for my payment for my XXXX XXXX. I feel like Wells Fargo auto loan are stealing from me and keeping all the money so I need my account to drop to XXXX because I already gave XXXX grand towards my auto loan!

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: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: The Savings Group, Inc.
State: AZ

Complaint narrative:
XXXX I was marketed a 4.99 % on XXXX XXXX by AUTOPAY. I am currently at a 6.5 %. On XXXX XXXXXXXX XXXX XXXX XXXX XXXX I was under a XXXX credit score. I applied. They proceeded to hit my credit 3 times which I never authorized. They came back, said they had a loan I qualified for, it was a 6.72 APR. I said I wanted the 4.99 % I was marketed. They said I didnt qualify for it because I was not at a XXXX. Of course I was not at XXXX. I could have told them that before hitting my credit 3 times. Literally nowhere on this planet did my credit show XXXX. So they marketed me something I never qualified for. In good faith I did not want these credit pulls to be a total waste. So I requested that they remove their tacked on fees on the 6.72 APR loan to make it make sense for me to refinance. The loan officer at AUTOPAY said he would request to waive the {$600.00} from the lender which gave me like a 5.58 % rate. The lender came back and approved for AUTPAY to remove {$500.00} of it. I said great please proceed. Days go by I hear nothing. I request an update, apparently the lender approved this but the managers at AUTOPAY refused it. Needless to say, they fraudulently marketed me a loan I never would have qualified for. They hit my credit 3 times. AUTOPAY then offerS me a worse loan than my existing one. AUTOPAY then doesnt even make an effort to get this approved when the lender themselves approved it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My mortgage account was placed into a temporary deferment due to a federal government shutdown affecting my employment. During this deferment period, my automatic payments were canceled by the servicer. When the deferment ended, I reasonably expected my automatic payments to resume as they had prior to the deferment. I was not clearly notified that autopay needed to be manually re-established. As a result, a payment was missed unintentionally. Upon receiving notice, I immediately brought the account current by paying both months in full. The account has remained current since that time. I requested a goodwill adjustment from the servicer, but my request was denied without addressing the impact of the servicing transition and autopay cancellation. Because this late payment resulted from a servicing-related issue rather than an inability or unwillingness to pay, I am requesting that the 30-day late payment be removed from my credit reporting.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: NV

Complaint narrative:
On XX/XX/year> I received a notice from Revco Solutions Inc that I owed {$660.00} to them for XXXX at an address in Illinois that I've never lived at nor given anyone permission to use my information. I'm requesting this account closed and removed from my name. If it has been reported to my credit report, it also needs to be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
In a previous complaint, I demonstrated that truist breached the contract multiple times, renegging on a 0 % intrest rate and charging a 16 % interest rate without reason, then truist charged an additional {$200.00} per month " financing '' fee from XX/XX/year> to te present as well as a {$39.00} late fee despite the fact that I made payment XXXX weeks ahead oof the due date. Truist responded to this complaint by claiming that there is a descrepancy between the name I used in my CFPB account and the name I used to apply for my truist accounts. I am including documents from truist demonstrating that the names that I used are the same and that truist stalled for time, openly used lies and misrepresentation to avoid having to adress my complaint. truist has demonstrated repeatedly that they are unable to do business in good faith.

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: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
the total of balances currently being reported equals approximately {$7500.00}, which does not reconcile with the documented figures provided. These inconsistencies demonstrate that these accounts are not being reported with maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). The conflicting balance information also creates a materially misleading representation of the accounts in violation of federal reporting standards.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AL

Complaint narrative:
I declared Bankruptcy in XX/XX/XXXX. The payments were too high. I tried talking to my Attorney about the strain the payments placed on me. But they were not willing to reduce them. So I decided to cancel Bankruptcy XX/XX/XXXX and pay on my own. I contact Fifth Third Bank the end of XX/XX/XXXX to see how much was owed and how could I make the payments current. I was told {$1000.00} was owed and my next payment is due on XX/XX/XXXX. I told them I couldnt make the payment on the XXXX but I will make it before the end of the month. They said no problem. I went to go to work on XX/XX/XXXX and the truck was gone. I called XXXX and they said it had been repossessed. I contacted Fifth Third Bank around XXXXXXXX XXXX on XX/XX/XXXX and was told someone should have informed me when I made the payment that it was up for repossession. No one ever said anything. I never received anything in writing. They also said the only way I can get my truck back is to pay the loan in full. When I did a search on XXXX for the Fifth Third Bank number. I ran across a {$20.00} XXXX settlement for illegally repossessing customers cars. So I am not alone and this is and has been an issue with this bank. I have never received a statement or balance. I bought the truck in XX/XX/XXXX and I had to contact them because I have never received a payment book. I did receive an interest statement for tax purposes. Nothing else. I contacted XXXX and XXXX and they said because I was no longer their client they can not protect me. They said even if I refile Bankruptcy they cant guarantee I will get my truck back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Solar Mosaic LLC
State: NV

Complaint narrative:
I am filing a complaint regarding a solar loan serviced by Mosaic under the account holder XXXX XXXX. We have made multiple attempts to contact Mosaic regarding serious issues tied to this loan and have not received a meaningful or timely response. This loan is currently under dispute due to problems with the solar installation and contractor performance. The project associated with this loan is incomplete, defective, or not delivered as agreed. Despite this, Mosaic continues to maintain the account and has automatic payments active. We have requested removal of AutoPay, a review of the account, and communication regarding resolution options, but Mosaic has failed to respond adequately. We do not authorize continued automatic withdrawals while this matter is under dispute. Any continued debiting is considered unauthorized. We are seeking assistance in resolving this matter and ensuring the account is handled fairly while the dispute is investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo has decided to close my account because we use XXXX too many times. They dont publish a limit and my wife was using it together money for a destination wedding, and all they said is that its being used too much for a personal account. That is not illegal or fraudulent. Fine they can close the account, but they have issued a block and will not let us access our money and they are not following their own policies. I have received XXXX conflicting letters with completely different information from them. XX/XX/XXXX I received a letter stating they are closing the account as of XX/XX/XXXX and that all funds are being held and blocked. XX/XX/XXXX I received another letter staining their closing the account as of XX/XX/XXXX and I WILL HAVE access to all of the funds until it is closed. This is deceptive, inconsistent, and unethical, and Wells Fargo should be ashamed of themselves for letting a computer algorithm incorrectly hold peoples money. I called customer service about these conflicting letters and received no assistance

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: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Greenlight Financial Technology, Inc
State: OR

Complaint narrative:
On XX/XX/year>, I received an unsolicited password change notification from Greenlight Financial Technology , Inc. ( XXXX, GA ), a children 's fintech and debit card company. I have never created, authorized, or used a Greenlight account. I confirmed through their password reset process that my personal email address is actively associated with an account I did not open. I contacted Greenlight support on XX/XX/year> to report the unauthorized use of my email and request investigation. Over XXXX email exchanges between XX/XX/year>, I communicated with the following representatives : - XX/XX/XXXX : Greenlight 's virtual assistant provided irrelevant troubleshooting steps. - XX/XX/XXXX : XXXX XXXX. ( Greenlight Support ) asked me to verify my mother 's maiden name to look up the account, which I provided. - XX/XX/XXXX : XXXX XXXX asked me to have my mother call XXXX, despite my explanation that my mother is nearly XXXX and has no connection to the account. - XX/XX/XXXX : XXXX XXXX ( Greenlight Support ) repeatedly stated I am " listed as a minor on the account '' and instructed me to have the " Primary Accountholder '' contact them. I explained multiple times that I am an adult, did not create the account, and have no way to identify or contact the Primary Accountholder. XXXX provided the identical scripted response each time. Greenlight has refused to : - Remove my email address from the unauthorized account - Disclose what personal information of mine is associated with the account - Escalate to their fraud, security, or compliance team - Treat this as an unauthorized account or potential identity theft I have also filed an identity theft report with the FTC and a consumer protection complaint with the Oregon Department of Justice.

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: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Company told me up to XXXX business days before I got the documents. I was called by an individual claiming to be with USAAs fraud detection and investigation department. I was notified of an attempt to access funds from my account. The person on the phone said his name was XXXX XXXX. He then explained how there has been XXXX to XXXX different USAA members that this has happened to at the particular branch they claimed had an attempt to access the account. I was led to believe that they were working with the local police department and were organizing a sting type of operation. I was asked to rush to the bank down the road from my place of employment. He then asked me to make note of any thing that felt out of place.they directed me to fill out a deposit slip and tell the teller that I wanted to make a cash advance from my debit card. I was asked to verify that I was the account holder by providing the user name for the account and the security code that was texted to me in the same message thread as every other security code needed for USAA. I attempted the transaction as I felt convinced that USAA had indeed reached out. I did not have the {$11000.00} in my account and did not expect it to be a successful transaction. After asked to verify contact information and direct line numbers, the agent I was speaking to contradicted his original number provided. I immediately called the USAA XXXX number to try and verify the employee. It was then that I realized that XXXX been lied to. I reset my credentials and password. On XX/XX/XXXX I was notified that my dispute had been deemed that no error on the account had occurred., requested the evidence they used and had been told it could be up to XXXX business days to deliver evidence used to reach their decision.

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