vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed that i have some unauthorized inquiries on my report. I have sent the dispute to Transunion and they just basically ignored it. These should not be on my credit XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XX/XX/XXXX, I order a pair of shoes. The item I received is not as advertised. The Seller is listed as : XXXX XXXX XXXX. The website is listed as : XXXX The email I contacted was : XXXX I emailed them and told them the shoes are fake and that I want my money back. They told me I had to pay the return shipping costs to XXXX in order to get my money back. I opened a dispute with PayPal ( CaseID : XXXX ) on XX/XX/XXXX, providing photographic evidence of this bait-and-switch. They immediately denied the claim despite the clear evidence of a " Significantly Not as Described '' violation and the shipment of counterfeit/trademark-infringing produce. The shoe that I received is a sublimation printed shoe and looks nothing like the shoes advertised. Invoice ID : XXXX XXXX XXXXXXXX The pictures advertised are not what I received. I've uploaded the advertised photo and the shoe in the plastic bag that i actually received. I am requesting a full refund of my {$110.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
Transaction Date : XX/XX/XXXX Issue : Unauthorized payout at a location approximately 22 hours away from the intended recipient. Detailed XXXX : XX/XX/XXXX : Funds were sent via Western Union for an immediate family emergency. XX/XX/XXXX : Intended recipient attempted to collect funds and was informed the status was " Already Picked Up. '' The payout location was verified to be 22 hours away from the recipients physical location, indicating a major security breach or failure in Western Unions " Know Your Customer '' ( KYC ) protocols. Initial Contact : I contacted Western Union Customer Service immediately to report the fraud. I was informed a resolution would take 48 hours. XX/XX/XXXX : Followed up for an update. A Western Union representative admitted the first agent " did not process the claim correctly. '' Because of this internal employee error, I was informed the wait time was extended from 48 hours to 20 business days. Current Status ( Thursday, XX/XX/XXXX ) : Despite multiple daily follow-up calls and clear communication that this is a time-sensitive emergency, Western Union has provided no updates, no temporary credit, and no timeline for the return of the principal funds. Impact of Negligence : The failure to secure the transaction, followed by the secondary failure to process the fraud claim correctly, has resulted in a total loss of emergency funds. This has caused severe financial hardship and increased the cost of distress for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GA

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 th

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: DE

Complaint narrative:
Company Name : Block, Inc. ( Cash App ) Total Dispute Amount : Approximately {$4100.00} Police Report Number : XXXX ( XXXX Police Department ) Description of Problem : I am filing this formal complaint against Cash App ( Block , Inc. ) for failure to investigate and refund unauthorized transactions totaling approximately {$4100.00} in violation of the Electronic Fund Transfer Act ( Regulation E ). Between XX/XX/year>, and XX/XX/year>, my account was compromised in an identity theft scheme at the XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Despite my immediate reporting and the existence of an active criminal investigation ( Case # XXXX ), Cash App has failed to provide provisional credit or reverse the following fraudulent charges : XXXX XXXX XXXX ( XXXX. XXXX ) : 13 unauthorized transactions ( {$590.00} ) delivered to a third party at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$650.00}. * XXXX XXXX ( XXXX XXXX XXXX ) : {$340.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$420.00}. XXXX XXXX XXXX {$380.00}, {$250.00}, {$86.00}. XXXX XXXX XXXX XXXX XXXX, Delaware {$330.00}, {$460.00}, {$630.00}, {$87.00}. Additional itemized charges currently under police review. Company Failure : I have attempted to resolve this at the merchant level and through Cash App support. I have been met with a total lack of cooperation. Cash App has a legal obligation under 12 CFR 1005.11 to conduct a good-faith investigation and resolve these errors. Their failure to do so has resulted in significant financial hardship. Desired Resolution : 1. Full Restitution : Immediate refund of the {$4100.00} in unauthorized charges to my original payment method. 2. Evidence Cooperation : Cash App must coordinate with the XXXX Police Departmentregarding the digital footprint and XXXX data of these transactions. 3. Regulatory Compliance : A formal explanation as to why Regulation E protections were not applied within the mandatory 10-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Selene Holdings LLC
State: IN

Complaint narrative:
The servicer failed to properly respond to prior CFPB complaint / failure to investigate. This complaint is a follow-up to a prior CFPB complaint that was closed without resolution. The servicers response failed to comply with Regulation X ( 12 C.F.R. 1024.35 ), as it did not reflect a reasonable investigation or address key documented facts. I am submitting this additional clarification to ensure the record is complete. Selene XXXX XXXX response does not address several critical points relevant to a reasonable investigation under 12 C.F.R. 1024.35 : I specifically requested an amended payoff letter good through XX/XX/year>, which was acknowledged by Selenes authorized foreclosure counsel ( XXXX ), but not timely fulfilled. The updated payoff was instead issued with a good-through date of XX/XX/year>, significantly extending per diem accrual without explanation or request. Selene did not confirm whether it reviewed communications with its foreclosure counsel or internal processing timelines. The response incorrectly characterizes this matter as involving third parties, despite XXXX acting as Selenes authorized agent. There remains an unexplained discrepancy between the stated per diem calculation and the amount actually charged ( {$450.00} ). The additional per diem charges resulted from delays within the servicers own control and should not have been assessed to me. I respectfully request that this clarification be considered as part of my dispute and that Selene be required to provide a complete and compliant response. Please reference attachments and responses to the original complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: MD

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
Im contacting you regarding a serious issue with my account. My account was incorrectly blocked due to an internal error on your end, specifically related to an incorrectly entered Social Security number. Because of this error, my account has been negatively impacted for the past 3 months. During this time, I have been charged {$53.00} in fees and interest, and my credit score has dropped by nearly XXXX points. Additionally, my minimum payment has increased to {$110.00}, which is not accurate given the circumstances. I have already contacted multiple agents, but they have refused to resolve the issue or refund the charges, despite this being clearly caused by your internal mistake. If this matter is not resolved promptly, I will be forced to escalate this complaint to the appropriate regulatory authorities. I expect a prompt resolution to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am filing this complaint regarding The Receivable Management Services LLC for failure to provide proper debt validation and for reporting a collection account on my credit report without providing sufficient documentation verifying the debt. I requested validation of the alleged debt in writing and requested that all communication be conducted in writing for documentation purposes. Instead of providing validation, the company repeatedly instructed me to call them and has not provided the requested documentation in writing. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt and to receive documentation showing that I am legally obligated to pay, the amount is accurate, and that the collection agency has the legal authority to collect on the debt. Additionally, this account is being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), any information reported must be accurate and verifiable. Reporting a debt without providing validation or proper documentation raises concerns about the accuracy and legality of this reporting. I am requesting that the company provide proper written validation of the debt, including documentation from the original creditor and proof of their authority to collect. If they can not provide proper validation, I am requesting that this account be removed from my credit report. I am also requesting that all future communication be conducted in writing. I am willing to resolve this matter, but only if the company agrees in writing to the terms of any settlement and the credit reporting status. Thank you.

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 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bass & Associates, P.C., Attorneys at Law
State: CA

Complaint narrative:
my information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX letter from Bass & Associates ( CA License # XXXX ) credit collection agency. creditor : XXXX XXXX XXXX XXXX I received about an alleged debt of {$3300.00} I have made multiple attempts over the past several months to contact the office using the phone number provided in letter. Unfortunately, my calls have either continued ringing without being answered or were disconnected, and I have been unable to speak with a representative to resolve this matter. the only option on the letter is to pay online. I do not want to blindly paid a bill to a credit agency. Because of this, I am requesting a detailed explanation of the debt, along with any documentation that verifies the amount owed and my responsibility for it. This is on my credit report. i would need this to be removed from my credit report. I am willing to review any information you provide so this matter can be properly addressed. In the meantime, I ask that you communicate with me in writing regarding this issue. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I paid my payment for Rooms to go on time and then after a year they close my account and I still have a balance

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 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a problem with Synchrony bank card for XXXX XXXX they closed my account when I have never been late on my payments and now they are messing up my credit score. Also on XXXX XXXX they are charging me kitchen set that I never received in the amount of {$750.00}. Since I disputed the charges they go and close my accounts. I want the re opened

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Validation of Debt Request - CAINE & WEINER - XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
Debt collector sent notice, Once I sent validation request, I was sued 3 days later without response to my letter or production of documentation. I have a attached a snapshot and timeline summary. I have more information upon request. I can provide a packet prepared for trial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
" On XX/XX/year>, I initiated an ETH staking request on Robinhood. As of today, XX/XX/year>, the funds remain in a 'Pending ' state with XXXX rewards earned. On XX/XX/XXXX, a Robinhood Supervisor named XXXX ( Case # XXXX ) admitted via email that the delay is because Robinhood requires a 'batch of XXXX ETH ' to fill before they process the request. This liquidity constraintwaiting for other users to provide fundswas not clearly disclosed as a condition for my individual staking bonding period. Furthermore, the Robinhood app XXXX is currently failing ; it does not provide the 'Cancel ' option for this pending transaction, effectively holding my capital hostage indefinitely. I am seeking the immediate release of my ETH to my spendable balance and a manual credit for the 48 days of lost staking rewards due to Robinhoods internal batching delays and technical errors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I am a US citizen by birth. I was scammed online on XXXX for about XXXX XXXX USD, sent fake passports, fake cedula, fake visa, fake baggage invoice, and fake phone invoice from non-existent stores. The final insult was a fake medical emergency, which had a completely unrelated drug prescribed, and she was told she would go to jail if I didn't pay. She claimed to have bruises and to have been attacked, which takes weeks to heal. She miraculously healed once the money was received. She threatened to attack me and my mother if I didn't send her money. She also said that she would punish me by opening fraudulent loans in my name from my information via XXXX and Zelle. I have been in touch with the XXXX XXXX fraud team member XXXX XXXX. I have contacted USA FBI and lodged a complaint with the FBI IC3 and also contacted USA ICE immigration team. I contacted the USA embassy in XXXX. They instructed me to file " denuncias '' online regarding my unfortunate victimization of fake documents, scams and extortion. Please advise. Thanks. She claims to have family living in XXXX, XXXX. She may be travelling with a XXXX passport issued on XXXX, name of " XXXX XXXX XXXX XXXX XXXX with an expiry of XXXX, passport number XXXX with a birthday of XXXX. Please exercise caution with this individual. Please shut down the accounts associated with these people. Please try to implement measures to reduce and or limit such scams online. Please reverse the charges, as they were deceptive and violent in nature. This was a considerable amount of money to me. I do not have any XXXX or XXXX to look forward to. Yes, I made a mistake trying to find friendship online and paid the price. I hope others will not get scammed like I did. Please consider and review my case in its entirety. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, a series of unauthorized transactions were processed from my Wells Fargo checking account through my linked XXXX XXXX account. These transactions followed a clear pattern of fraud, including dozens of rapid, repeated transfers within a short period of time. Despite this highly unusual activity, Wells Fargo did not flag, block, or notify me of suspicious behavior. The transactions ultimately resulted in {$2400.00} being withdrawn from my account without my authorization. Given the volume, frequency, and pattern of these transactions, I believe Wells Fargo failed to properly monitor and prevent fraudulent activity on my account. Wells Fargo failed to : Detect or flag a sudden surge of repetitive transactions Identify abnormal account behavior involving dozens of rapid withdrawals Notify me of suspicious activity despite clear indicators of fraud The volume and frequency of these transactions should have triggered fraud prevention measures.

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