vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Issue : Failure to provide XXXX XXXX XXXX for a rejected direct deposit on a closed account. 

Description of XXXX : On XX/XX/year>, a direct deposit was sent to my Cash App account. Unbeknownst to me at the time, my account had been closed. I contacted Cash App support on XX/XX/XXXX to inquire about the status of these funds. I was informed that the deposit would be returned to my employer within XXXX business days. 

Between XX/XX/XXXX and XX/XX/XXXX, I contacted Cash App support daily for status updates. Each time, I was told the funds had already been sent back. However, my employer ( XXXX ) has confirmed with their bank that no such return has been received. 

On XX/XX/XXXX and XX/XX/XXXX, I requested a XXXX XXXX XXXX Number or a Return Code ( e.g., XXXX or XXXX ) to provide to my employers bank so they could locate the funds. Cash App support explicitly stated they " do not have any proof to provide '' and " can not help further. '' Impact : I have not received a paycheck since XX/XX/XXXX due to this missing transfer. Cash App is currently holding my wages and refusing to provide the industry-standard tracking information required for my employer to recover the funds. 

Desired Resolution : I request that Cash App provide the XXXX XXXX XXXX Number and the specific XXXX XXXX XXXX for the transaction rejected on XX/XX/XXXX so my employer can locate the returned funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 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: FL

Complaint narrative:
Beginning in XX/XX/year>, I made repeated attempts to access my federal student loan account in order to make timely payments. I contacted MOHELA multiple times because I was unable to successfully register or log into my account. 
Each time I attempted to create my online profile, the system indicated that my information did not match their records. During several calls, different customer service representatives directed me to what I later discovered was the incorrect website for registration and payment processing. 
Despite my consistent efforts since XX/XX/year>, I was unable to access my account due to the inaccurate instructions provided. It was not until a later call that a representative informed me that there were two similar websites and clarified the correct one to use. At that point, I was finally able to create my account and immediately bring the loan current by making all required payments.

Approximately one week after I successfully made those payments, a negative report was submitted to the credit bureaus indicating that I was delinquent and owed past-due amounts. At the time the report was made, my account had already been paid. 
I have never had a delinquent account in my credit history. The delay was not due to unwillingness or inability to pay, but was caused solely by the servicers failure to provide accurate information and proper account access despite multiple attempts on my part to resolve the issue. 
I am requesting a formal investigation and immediate correction of any negative credit reporting related to this matter, as the reported delinquency resulted from administrative errors beyond my control.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
Original company, XXXX, transferred balance to collections agency back in XXXX. I have never made payment to any collections agency or agreed to make a payment arrangement due to dispute of ownership of the account should belong to the property owner/landlord instead. The account keeps repetitively getting closed and reopened ( currently under " I C SYSTEM '' ) over the past 9 years, which violates the FCRA.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Banks handling of my recently opened checking account and the abrupt termination of my banking relationship without reasonable explanation. 

In XX/XX/year>, I opened a Wells Fargo checking account online after receiving a promotional mail offer advertising a sign-up bonus. I followed all instructions provided in the offer. Within approximately XXXX month of opening the account, I transferred {$500.00} via XXXX from my external bank account in order to meet the promotional requirements. 

Shortly after the XXXX transfer was completed, Wells Fargo closed my account without prior warning. When I contacted Wells Fargo XXXX times ( both phone call and in-office visits ) for clarification, I was given the explanation that because you opened the account online, we can not continue the customer relationship. This explanation is both confusing and unreasonable, as Wells Fargo explicitly provides and promotes online account opening as a standard banking channel. 

Additionally, Wells Fargo terminated my online banking access entirely. I also hold Wells Fargo credit cards, and the sudden loss of online access has caused significant inconvenience and disruption to my ability to manage my credit card accounts, review transactions, and make payments. 

I believe XXXX XXXX actions were unjustified and poorly communicated. I was not informed of any policy violations, suspicious activity, or documentation issues. I complied with the promotional requirements and maintained normal banking activity.

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 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX RE : FORMAL NOTICE OF DISPUTE IDENTITY THEFT & DATA BREACH VICTIM ( FCRA VIOLATIONS ) To Whom It May Concern : I am writing to formally dispute inaccurate, unauthorized, and potentially fraudulent information appearing on my TransUnion consumer report as a direct result of the XXXX TransUnion data breach, in which my personal identifying information was unlawfully exposed. 

As a victim of this breach, I am asserting my rights under the Fair Credit Reporting Act, including but not limited to : 15 U.S.C. 1681b Permissible Purpose 15 U.S.C. 1681c-2 ( FCRA 605B ) Block of Information Resulting from Identity Theft 15 U.S.C. 1681e ( b ) Requirement for Maximum Possible Accuracy 15 U.S.C. 1681i Duty to Conduct a Reasonable Investigation Because my information was compromised, I have reason to believe that the following items were reported without permissible purpose and/or are the result of identity theft : XXXX XXXX {$29000.00} XXXX {$8900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These items are unauthorized and must be immediately blocked and removed from my consumer report pursuant to 15 U.S.C. 1681c-2. Under federal law, you are required to block identity theftrelated information within 4 business days of receiving proper notice and supporting documentation.

Failure to comply will constitute willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, subjecting TransUnion to civil liability.

You are hereby instructed to : 1. Block and permanently remove the disputed items.

2. Provide written confirmation of deletion.

3. Provide the name, address, and telephone number of any furnisher you contacted.

4. Provide a complete description of your investigation procedure.

If you are unable to verify these items with competent evidence bearing my signature, they must be deleted immediately. 

Take this letter as formal notice that I am documenting all correspondence. Any failure to comply with the FCRA will result in escalation to the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and potential civil litigation. 

I expect written confirmation within the statutory timeframe. 

Sincerely, XXXX 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 2026-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported related to an auto loan originally associated with XXXX XXXX XXXX and now reported by Debt Recovery Solutions.

I became aware of this account only recently when it appeared on my credit report. I had previously received a refund related to this account years earlier and did not receive clear documentation explaining any remaining balance. 

I contacted the companies involved multiple times to request verification of the debt, including account history, balance calculations, ownership or assignment documentation, and clarification regarding prior account adjustments and refund activity. During these communications I received conflicting information about ownership of the account and who was responsible for handling disputes. 

I was informed that notifications had been sent to an outdated address, and I did not receive sufficient written information allowing me to verify or dispute the debt before it was reported. 

As of now, I have not been provided documentation that adequately validates the balance, explains how the amount was calculated, or reconciles the prior refund issued on the account. 

I am requesting assistance obtaining proper verification documentation and review of the reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XXXX XXXX I recieved a couple emails stating I had been hit with a hard inquiry which I was surprised because I havent opened any new accounts for a while. So I went on the XXXX XXXX app and it showed XXXX  XXXX of course I googled to make sure what it was and for one I BARELY EVER GO to XXXX. Second I have been working all day so there was absolutely no way I had applied for anything in XXXX. So I start to see how I can dispute & I called XXXX, they advised me to get a FTC REPORT and mail it to their XXXX XXXX in order to have it looked into and removed. On my credit report it shows it was open XXXX XXXX. I am disputing it because this was not me who requested it and I do not approve this inquiry. I have no clue who did this but I did not authorize this.

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 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: CA

Complaint narrative:
There was fraud on my US Bank account. They put a hold on my account but never notified me. I found out while I was trying to buy groceries and my card did not work. When I called, they then informed me of the fraudulent transactions. I filed a claim and I just received notification that my claim was inaccurately declined. The vendor apparently was able to provide my address and email which must have also been obtained fraudulently. It is scary because I dont know how they obtained all the information but I absolutely did not make this transactions and XXXX desperately looking for help. I do not feel protected by my bank. The total amount was {$420.00} and the vendor is XXXX. I believe the transaction was made around XX/XX/XXXX. I never had this issue with XXXX Bank, I was with them since XXXX. XXXX Bank was then bought by U.S. Bank. Plan on closing the account, but XXXX desperately looking for help in the meantime.

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 2026-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX [ Your Address ] [ City, State, ZIP Code ] [ Email Address ] [ Phone Number ] Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Investigation and Correction of Closed XXXX  XXXX Account Reporting Dear CFPB Representative, My name is XXXX XXXX XXXX, and I am a background actor currently working on the XXXX movie. I am writing to file a formal complaint and request your assistance regarding an issue with my XXXX XXXX credit card account. 

The account in question was closed over XXXX years ago and was fully paid off more than 540 days ago. Despite fulfilling all obligations on the account, it continues to appear on my credit report as unresolved, which is preventing me from obtaining a new credit card and negatively affecting my overall creditworthiness. 

I have made every effort to resolve this matter directly with Capital One, but the account has not been properly updated or removed from my report in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. This inaccurate reporting is causing me unnecessary hardship and is hindering my ability to access new credit opportunities.

I respectfully request that the CFPB investigate this matter and ensure that Capital One updates my credit report to reflect the accurate, positive resolution of this account. I am prepared to provide any supporting documentation, including proof of payment
and closure dates, to assist in your review of this case.

Thank you for your time and attention to this matter. I greatly appreciate your assistance in rectifying this situation so that I may move forward with my financial activities without the burden of an outdated and inaccurate report. 

Sincerely, XXXX XXXX XXXX ---

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am filing this complaint regarding Transworld Systems Inc. and their reporting of a collection account on my credit report for an alleged apartment debt owed to XXXX XXXX. 

I moved out of the apartment on XX/XX/year>. An eviction case was filed ; however, the case was voluntarily dismissed by the plaintiff after I vacated the premises. No judgment was entered, and no court awarded attorney fees or eviction costs. 

Despite this, Transworld Systems Inc. is reporting a balance of approximately {$6600.00} that includes {$1000.00} in attorney and eviction-related fees. These fees are inaccurate and unverified given that the eviction case was dismissed with no judgment. 

I disputed this account twice and requested full debt validation, including a signed lease agreement, payment ledger, documentation authorizing legal fees, attorney billing records, and court documentation supporting eviction charges. 

The collector failed to provide proper validation and only supplied a move-out charge summary, which does not substantiate the balance being reported or the legal fees included. 

Reporting unverified legal fees and inflated charges constitutes inaccurate credit reporting and misrepresentation of the amount of the debt. 

I am requesting deletion of this account from all credit reporting agencies due to failure to properly validate the debt and inaccurate balance reporting in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Dear Chase Mortgage Servicing Team, I am writing regarding my mortgage account XXXX to address Chases continued failure to disburse my property tax payment from my escrow account, despite assurances that this would be resolved. 
On XX/XX/XXXX, I called Chase to report that my XXXX XXXX property tax bill had not been paid from my escrow account. During that call, a Chase representative confirmed the issue and assured me that Chase would pay the property taxes. As of today, the taxes remain unpaid. 
The details are as follows : Property : XXXX XXXX XXXX, XXXX XXXX, MD XXXX Bill Number : XXXX XXXX Year : XXXX Tax Period : XXXX Total Tax Due : {$4500.00} Payment Deadline : XX/XX/XXXX Interest/Late Penalties Accrued : {$250.00} Despite maintaining a fully funded escrow account and receiving a verbal commitment from Chase on XX/XX/XXXX that this bill would be paid, Chase has still not made this payment. As a direct result of this ongoing failure, XXXX XXXX has assessed {$250.00} in interest charges, and further penalties will accrue if the bill is not paid by the XX/XX/XXXX deadline. 
As my mortgage servicer, Chase is contractually and legally obligated under RESPA ( 12 U.S.C. 2609 ) to make timely disbursements from my escrow account for property taxes. Chase has now both failed to make this payment on time and failed to follow through on its own commitment to resolve the issue.

I am requesting the following immediate actions : XXXX. Immediate disbursement of the full property tax amount from my escrow account to XXXX XXXX before the XX/XX/XXXX deadline to prevent further penalties. 
XXXX. Payment of the {$250.00} in interest charges caused entirely by Chases servicing error. These penalties are Chases responsibility, not mine. 
XXXX. Written confirmation within 10 business days that the tax payment and all associated penalties have been paid in full. 
XXXX. A written explanation of why this payment was not made on time and why Chase failed to follow through after the XX/XX/XXXX call. 
Please be advised that if this matter is not resolved promptly, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Maryland XXXX of the Commissioner of Financial Regulation, and I reserve all rights under RESPA, including the right to pursue damages. 
I expect a response within 5 business days. Please contact me at XXXX or XXXX to confirm receipt and provide an update. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Loan Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I am submitting this complaint against Nationstar Mortgage LLC ( servicer for XXXX ) regarding serious mortgage servicing failures involving my XXXX XXXX XXXX XXXX an active home sale closing. I have been attempting to obtain a valid payoff statement in order to close on the sale of my home, but Nationstar has repeatedly delayed and mishandled the process. A payoff request was submitted around XX/XX/year>, and since then Nationstar has issued multiple payoff quotes that were sent late in the afternoon and expired the same day or the day before I even received them, making it impossible for my title company to fund and complete closing. Nationstar has also flagged my account internally as being in foreclosure status, despite no foreclosure being filed with the courthouse, and representatives have prevented me from making normal monthly payments by insisting I could only pay a lump sum due to this alleged foreclosure status. At the same time, Nationstar has added unclear fees, lender-paid expenses, anticipated costs, and has held funds in an unapplied funds or suspense status rather than properly crediting them to my loan balance. Instead of providing a timely and usable payoff, Nationstar has attempted to push a loan modification while maintaining a lien on my property, further complicating my ability to sell. This ongoing delay has caused severe financial harm I am depending on the sale proceeds to support my family, and I am mentally exhausted from being misled, given conflicting information, and having this closing obstructed. I am requesting immediate XXXX escalation, a final accurate payoff statement valid for at least XXXX business days, full itemization and removal of any improper foreclosure or legal-related fees, proper application of all unapplied funds, and written confirmation of the true status of my loan and lien so that my closing can be completed without further harm.

Company response to consumer: Closed with explanation