vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargos denial of my unauthorized transaction dispute. I reported two XXXXXXXX XXXX XXXX charges totaling {$350.00} ( {$250.00} and {$100.00} ) that I did not authorize. At the time of these transactions, I did not have the physical card in my possession because it had been lost. Despite this, the transactions were processed as chip-insert /swiped purchases at XXXX. This is highly concerning because my normal transaction history on this account before and after these charges primarily reflects digital tap/contactless purchases, not in-person chip insert transactions.I also explained that i wasn't even in that town that day, I was at the beach in XXXX Florida during the time of purchases. Wells Fargo denied my claim, but refused to provide me with a clear explanation of what evidence was used to determine that these charges were authorized by me. Since I did not have the card, I dispute the conclusion that I made these transactions. I am requesting that Wells Fargo conduct a full reinvestigation of this matter and provide the basis for their denial, including any transaction records, terminal data, merchant verification, or other evidence relied upon. I also request consideration of the suspicious change in spending pattern and the fact that the card was not in my possession at the time. These unauthorized charges caused financial harm, and I am seeking a fair review in accordance with consumer protection laws governing electronic fund transfer disputes. Thank you for your attention to this matter.

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 2026-04-28 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this complaint to report Barclays Bank and XXXX XXXX Barclays Bank for failing to properly investigate and resolve a credit card dispute involving a reservation that included a {$1500.00} refundable damage deposit. And XXXX because because they did not return the refundable deposit. While I acknowledge that the original transaction was authorized, my dispute is not about the validity of the charge. The dispute is specifically related to the merchants failure to return a clearly designated refundable deposit after the completion of the stay. I provided Barclays with documentation confirming : * The total transaction included a {$1500.00} refundable damage deposit * The stay was completed without any reported damages * No claims, invoices, or evidence have been provided by the host or XXXX to justify withholding the deposit * The deposit has not been returned Despite this, Barclays has failed to properly evaluate the dispute. Instead of addressing the non-return of the refundable deposit, they have relied on the fact that the transaction was valid. This is not only irrelevant to the dispute, but it also demonstrates a lack of proper investigation. Barclays has not required the merchant to provide evidence supporting their retention of funds, nor have they applied appropriate consumer protection standards under the Fair Credit Billing Act ( FCBA ) or card network dispute rules. This failure represents : * An inadequate and incomplete investigation * A denial of my rights under federal consumer protection laws * A failure to hold the merchant accountable for contractual obligations I am attaching all relevant documentation, including the receipt and communication attempts. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
On XX/XX/2026 my Bilt XXXX credit card was frozen under the suspicion of fraud. It wasnt fraud. I accidentally charged more than my available credit and Bilt stated it was fraud. I knowingly made the charge and it was declined because of insufficient funds but my card was frozen. I called Bilt on XX/XX/XXXX to get my card unfrozen however the customer rep told me to email them a photo selfie of myself taking a photo with my government ID. This sounded very much like a scam and was suspicious. I told them I would not email my government id to a random email address that was unsecured and I demanded to speak to a supervisor to no avail. I was then told my case would be escalated and I should wait to hear back. 4 days later I still had not heard back so I called in and the agent told me they see my case but to wait longer. I explained all my regular charges go to this card and I was having to switch the auto paid services from my frozen card to a different card because the auto pay charges were behind declined. I then explained that for a {$490.00} a year annual fee card they didnt have great service. Today is XX/XX/XXXX and I still do not have access to my account. Many of the rewards associated to this card are tied to spend. Now without having the ability to spend on the card Im demanding that Bilt close my account and refund my annual fee since I can not use my card to which they declined to do so. Now Im back to square one and still can not access my card and Im reading many user accounts on XXXX of the same issue. I am having trouble contacting my card. Nobody on the phone wants to help my situation nor does click to chat continue these interactions and they literally hung up on me. I have no clue what to do now because they will not close my account, they will not refund my annual fee, nor will they unfreeze my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
XXXX payment to XXXX XXXX for " Driveway repair '' ; Conf # XXXX This transaction went to another person. Bank of America allowed {$1200.00} to transfer to another XXXX recipient other than the named payee. Fraud complaints filed with BofA and XXXX. BofA rejected my claim.

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 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
In XX/XX/XXXX I was alerted by XXXX that my financial aid could not be applied to Fall XXXX semester because of a defaulted loan. This default also shown on my credit report. I learned from this alert Student Federal aid placed me in default on XXXX {$0.00} balance/paid in full loans. I received discrepancies notices from Student federal aid and my loan servicer aidvantage. In XX/XX/XXXX after starting XXXX XXXX semester this still was not cleared with the agencies. I submitted discrepancy paperwork to XXXX and spoke with the office of financial aid about this matter on XXXX XXXX and again XX/XX/XXXX after seeing the default status removed from my Student Federal aid account on this day. The last time I called I was told by XXXX that it was still showing my default but that it would possibly be cleared. However they could not tell me specifically what was showing in default. After this I never received response regarding the discrepancy letters or any other paperwork submitted and no updates to my account was made.This includes other requested documents by the financial aid office that I submitted. I was then put into collections by XXXX. On XX/XX/XXXX I submitted a new case to XXXX asking for specific information on the default loan from their end. On XX/XX/XXXX I logged into Student Federal Aid to check on my aid to find I had again been put into default on XXXX {$0.00} balance paid in full loans. I spoke to the agency on XX/XX/XXXX and was again told this is a discrepancy. It is not showing on my service provider site aidvantage. While I was given letters no one can tell me why this continues to happen. This has for the second time affected my credit significantly and other financial accounts. The first time ( in XX/XX/XXXX ) it prevented me from being able to secure an apartment in XX/XX/XXXX to reside closer to work. I now have XXXX in collections from my semester at XXXX when I was awarded sufficient student aid. I also can not register further to complete my education program. This directly affects my job security, placement, and professional development requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 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: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
On XX/XX/year>, my developer account was the victim of a malicious bot attack that triggered approximately XXXX unauthorized SMS messages through the XXXX XXXX Identity Platform to international destinations ( XXXX ). This resulted in an unauthorized charge of {$98.00}. Upon discovery, I immediately took corrective action by contacting support and implementing all recommended security protocols, including App Check and regional blocks to prevent further fraudulent activity. During the escalation process ( Case # XXXX ), a XXXX XXXX Support Manager explicitly admitted in writing that I was provided with " conflicting information '' and " misinformation '' by their support team regarding a potential billing adjustment. This misinformation directly influenced my financial decisions and prevented me from taking alternative mitigation steps. Despite acknowledging that their own staff misled me and confirming the automated/malicious nature of the traffic, XXXX is now refusing to honor a one-time courtesy waiver. I am a student developer on a limited budget, and XXXX has a documented history of waiving significantly larger debts for students in similar situations. I am disputing this charge on the grounds that it was unauthorized, caused by third-party fraud, and further complicated by the merchants admitted support failures.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: RI

Complaint narrative:
Starting in XXXX of 2026 I noticed cashapp has been taking money out of my account putting it back and taking it again! And also theres barrow feature! I barrow and when I am a day late when I dont get my deposit on time i usually pay a late fee if its one day late and then cashapp doesnt take any money I have in my balance! Specially XX/XX/XXXX on my birthday of 2026 this happened and many other times

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXXXXXX ( XXXX ) from XXXX for {$15000.00}, paid via PayPal XXXX funded by my XXXX XXXX card ending XXXX ). The item description explicitly stated the warranty/authenticity certificate was included. The watch was delivered in person without the warranty/authenticity certificate an essential element for verifying authenticity and value on a $ XXXX luxury timepiece. I immediately contacted XXXX, who instructed me to return the item using a UPS shipping label they provided ( tracking number XXXX ). I returned the item on XX/XX/XXXX, in strict compliance with XXXX 's return instructions. UPS tracking confirms delivery to XXXX. * * XXXX subsequently acknowledged receipt of the returned item in writing. * * I filed a PayPal Buyer Protection claim under " Item Not as Described '' ( XXXX ). PayPal denied the claim without providing a clear or substantive reason. I have been unable to obtain clarity on whether an appeal pathway exists, despite attempts to escalate. * * Why this denial violates PayPal 's own Buyer Protection policy : * * 1. * * The item was materially not as described * * a missing warranty certificate on a {$15000.00} luxury watch is a material discrepancy that goes directly to authenticity and resale value. 2. * * The return was completed and confirmed * * UPS tracking XXXX confirms delivery to XXXX. 3. * * The merchant acknowledged receipt in writing * * eliminating any factual dispute about whether the item was returned. 4. * * PayPal 's denial reasoning was not provided in substantive form * *, preventing meaningful review or appeal. PayPal 's Buyer Protection program represents a contractual obligation to buyers using their platform. Denying a claim where ( a ) the item was demonstrably not as described, ( b ) the return was completed per merchant instructions, and ( c ) the merchant has acknowledged receipt in writing, constitutes a failure to honor that obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I paid for a vehicle registration service with XXXX using XXXX, funded by my checking account at Capital One ( 360 Checking ). Later the same day, I canceled the service with XXXX. XXXX confirmed the cancellation and advised that a refund was issued back to XXXX. The refunded funds were never returned to my checking account. Because the original payment left my account but the refund did not post back, my checking account became negative. This negative balance was treated as an overdraft and eventually the account was closed and reported as a charged-off unpaid balance to XXXX. I contacted all three parties multiple times : * XXXX confirmed the refund was processed to XXXX * XXXX indicated the issue was with the bank routing of the refund * Capital One treated the balance as an unpaid overdraft rather than a refund dispute This situation was not caused by spending or failure to pay, but by a refund routing failure after a same-day cancellation. I am requesting this be reviewed as a merchant refund dispute and that the XXXX reporting be corrected to reflect that this was a disputed refund issue rather than an unpaid loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/26 I purchased a cooler from XXXX so I could keep my lunches colder at work. This company is an XXXX company. Since the purchase was work related, I am a handyman, I order it from my business account XXXX XXXX XXXX that I have with with Huntington Bank. I believe this was first time I placed an international order though this account. I also have XXXX personal accounts with Huntington and I have been a customer for years. On XX/XX/26, just days after placing the order, I noticed I could no longer log in on either my business or personal accounts. I called Huntington after I discovered I was locked out and was told my personal and business accounts were closed. I asked them to explain why my accounts were being closed. They did not give me any specific reason for closing any of the accounts and only stated that they were choosing to terminate the relationship entirely. I have no idea why this happened. The only unusual recent activity I can think of is that I ordered this cooler from a company in XXXX. I had approximately {$400.00} remaining across these accounts, and I have not received a clear, written timeline or method for when and how these funds will be returned to me. I believe this is unfair and abusive de-risking based on an automated or AI-driven risk system reacting to a legitimate international purchase, rather than any actual misconduct on my part. I am being effectively punished and cut out of the companys banking system for a single, international transaction that was legitimate, with no transparency and no meaningful recourse. This is causing me significant stress and hardship as I rely on these accounts for my day-to-day finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased some furniture from XXXX XXXX. The furniture was financed on a payment plan with the creditor Affirm. The table arrived new delivered damaged. I contacted rooms to go and the creditor several times and made them aware of the situation. Affirm placed the account on pause after verifying with XXXX XXXX XXXX that the furniture was damaged and was on backorder for a replacement. XXXX XXXX XXXX came to my home for a total of about 6 times with a table. Each time they came with the new table it was damaged or they damaged it during the delivery. The last table that was delivered they didn't break it it arrived damaged and had scratches and defects. I contacted XXXX XXXX they tried to offer me some petty cash credit that was no where near the value of the damages to keep the table I told them No. I would wait on a new table. They informed the table was on back order so I waited several months to finally get a new table and yet again the table arrived damaged and was left with the table. I called XXXX XXXX Corporate office made them aware they could care less and did nothing to resolve the issue. I then went back into the store where I purchased the table and spoke to the store manager he agreed with me and said it was not right after explaining to him the wait and number of times a table was delivered damaged. He called corporate with me in the store. They told him the same thing there was nothing they could do I either had to wait for the table to be in stock or select another table. I waited. Table arrived damaged once again. I called XXXX XXXX informed them they sent an inhouse crew out to try and buff the stains and permanent defects in the table but it was unsuccessful. The tech told me to call the store. I called the store and also Affirm and made them aware that I was not making a payment for a damaged table. XXXX XXXX left me with a damaged table after 6 times of trying to exchange it. I told affirm they called XXXX XXXX with me on a call nothing was done. I refuse to pay for something I paid for new and it arrived damaged. The creditor Affirm has since been reporting the account on my credit as past due and a charge off / collection account. This was unfair. I need assistance with having this account removed from my credit due to XXXX XXXX not resolving the issue and having poor customer service and Affirm for reporting me to the credit agency and expecting me to pay when their policy is you don't pay until you receive new merchandise that is not damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
My account was close without proper communication or warning. They couldnt provide me with info on why it was close.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation letter to Columbia Debt Recovery LLC DBA Genesis disputing Account # XXXX, an alleged debt of {$4100.00} purportedly owed to XXXX XXXX. On XX/XX/year>, they responded with a form letter and two attachments : a lease agreement and an incomplete move-out statement showing only {$1000.00} in charges. This leaves {$3100.00} of the claimed {$4100.00} completely unexplained and unitemized. Their response failed to satisfy the FDCPA ( 15 U.S.C. 1692g ) and CFPB Regulation F ( 12 CFR Part 1006 ) because : ( 1 ) No chain of title or assignment agreement was provided proving they legally own this debt ; ( 2 ) No complete account history from the beginning of my tenancy was provided ; ( 3 ) No Colorado debt collector license number was provided ; ( 4 ) No insurance claim disclosure was made ; ( 5 ) The exact delinquency date was not provided ; ( 6 ) No full legal name and address of original creditor was provided. Despite this inadequate response, this collection entry remains on my TransUnion and Equifax credit reports. Columbia Debt Recovery LLC has not provided adequate validation and should be required to either provide complete documentation or cease collection activity and delete the credit reporting entry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Somehow this month my banking institution informed that my credit had a derogatory account that appeared concerning a student loan. I know I never took a class nor recieved a grade for a class that neither passed or failed due to the fact that I never actually took a particular class that I assume they are attempting to collect for other than that I have to assume its ID Theft and improper debt collection practices.

Company response to consumer: Closed with explanation