vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I use Cash app and I had over {$100.00} in my balance and someone in West Virginia and XXXX Ohio made transactions with my Cash App card somehow and took my balance. Which was four transactions one was for {$20.00} another one for {$55.00} and then another one for {$29.00} and there was another one for about almost XXXX dollars. Cash app keeps denying me my disputes in my appeals and telling me theres nothing they can do about it. I live in XXXX, Ohio. I only do transfer transfers from Cash app and I borrow money off of there. I have not used my Cash App card. I just got a new one sent to me because that one obviously was being used by somebody else and they are refusing to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MI

Complaint narrative:
I sent money to a cashapp that is no longer held by the company that it once was held by. The payment was for {$1500.00} and the last payment sent to that account was more than a year ago. Yet cashapp will not reverse my payment when they see that it is a different account holder and how long it's been since that one payment that I sent more than a year ago. It was a mistake and they will not reverse it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I sent {$200.00} through XXXX to a person using her XXXX code. She didn't receive it it say on my end they have to enroll it but the payment was deducted to my account already and I ask them if they got it they said they did not just for the record they've been using that XXXX for a long time already and that's a business XXXX So I called my bank Wells fargo they denied my claim after 2 weeks of filing a claim. They said they didn't found an issue because the transfer is completed I again ask the receiver to call their bank and check again and again if they got it they really did not get the money and the bank told them they did not get it or no any amounts received from me. So now I wan na investigate it more because where is my money I need my money back

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a XXXX and have less than XXXX on credit with Chase to whit the majority on the card are medical. I have been XXXX XXXX XXXX XXXX XXXX I have been in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX times. I tried to work with Chase but options given me are heavy penalty. I waXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX which I paid and called and they will not budge. XXXX is nothing for a XXXX XXXX XXXX XXXX XXXX. The interest rates they charge are rediculous and they dont care for XXXX period. They refused to waive it. Shame on Chase Shame on XXXX XXXX. I want this fee waived and a complete review of their ways of keeping people indentured to high interest THEY ARE CRIMINALS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reason to believe this account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Specifically, the information is [ clearly state issue : not mine / incorrect balance / inaccurate late payments / re-aged account / duplicate listing ]. Under 611 of the FCRA, you are required to conduct a reasonable investigation into this matter. Reporting information without proper verification constitutes negligent or willful noncompliance. I am requesting the following : A complete investigation of this account Verification of the account, including method of verification Identification of the party who verified this information Copies of any documentation bearing my signature that supports this debt If you are unable to provide verifiable evidence of this accounts accuracy, you are required to delete it immediately from my credit file. Failure to comply with federal law may result in further action, including filing complaints with the Consumer Financial Protection Bureau and my State Attorney Generals office, as well as pursuing legal remedies. I expect a response within the 30-day investigation period as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
Formal Notice of Inaccurate Credit Reporting Demand for Deletion I am writing regarding the continued reporting of an alleged debt associated with XXXX XXXX XXXX ( XXXX ), now claimed by Jefferson Capital Systems , LLC and serviced by XXXX This account has been formally disputed with XXXX XXXX XXXX XXXX, and copies of those disputes were submitted with supporting documentation. Despite these disputes, the tradeline remains on my credit reports. In your own written communication, XXXX states that due to the age of this debt, Jefferson Capital Systems , LLC can not sue and can not report or continue to report this account to the credit reporting agencies. Continued reporting of this account directly contradicts your disclosure and renders the tradeline inaccurate and misleading. I dispute this debt in its entirety. I do not acknowledge liability, and I have made no payment or agreement regarding this account. Because the debt has been verified and reported despite being timebarred and acknowledged by the collector as not reportable, this constitutes a failure to conduct a reasonable investigation and a violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681e ( b ) and 1681s2. I am formally demanding that you : Immediately delete this tradeline from all credit reporting agencies Cease all collection activity Provide written confirmation that the account is closed and will not be resold or reassigned If this matter is not corrected, I have filed and will continue to pursue complaints with the Consumer Financial Protection Bureau ( CFPB ) and applicable state regulators, documenting the failure to correct inaccurate reporting after bureau disputes. This correspondence is not an acknowledgment of liability and is not a promise to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
The date to Bridgecrest XXXX is XX/XX/year>. I asked them to lower the payments and interest, but they said they can't, find a three party to try to refinance the car. I tried that but the value of the car is only XXXX and no one will allow me to refinance it or trade the car in. I don't know what to do now, could you please assist me with this matter. The interest rate is 15 % and my car note is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
im currently in XXXX, but im a US resident. i was XXXX and XXXX by police. My XXXX was stolen and taken by the police who emptied my account. Bank of America initally gave me credit then took it back leaving my account minus. They refuse to help. ive contacted the US consulate, I'm getting a police report. Because Bank of America took the credit back i was unable to pay for my hotel and police was called. the hotel agreed to sign a paper i promise to pay. terrible situation. Im currently stranded in XXXX because the bank wont give me my credit.

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 monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Solar Mosaic LLC
State: RI

Complaint narrative:
I am filing a formal complaint regarding a solar loan originally associated with XXXX XXXX XXXX XXXX and financed through Mosaic, now being serviced by Solar Servicing LLC. This loan is disputed due to material misrepresentation, system non-performance, and failure of consideration. At the time of sale, I was told that the solar system would significantly reduce my electricity costs and that I would receive a federal tax credit in the first year that could be applied toward the loan. These representations were critical in my decision to proceed. However, the written agreement explicitly states that there are no guarantees regarding system performance, savings, or tax incentives. This directly contradicts the sales representations made to me and constitutes deceptive and misleading practices. Additionally, the solar system has not performed as expected and is not providing the promised benefits. The installer, XXXX XXXX XXXX XXXX, is now bankrupt and unable to fulfill its contractual warranty obligations, leaving me with a non-performing system and no support. The loan was issued based on the expectation of a functioning system providing economic value. That has not occurred. Therefore, this represents a failure of consideration. I am requesting : XXXX. Full validation of the debt, including proof of ownership and complete chain of assignment from Mosaic to the current holder XXXX. Suspension of collection activity while the dispute is under investigation XXXX. A fair resolution, which may include loan discharge, reduction, or other remedy I believe I have been subjected to unfair and deceptive practices and request immediate investigation. I am prepared to pursue further legal action if this matter is not resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
On or about XX/XX/2026, I received a telephone call from an individual claiming to be a representative of my bank ( US Bank ), stating that there was an attempted unauthorized access to the guardianship account from another state. I was instructed to contact what I was told was XXXX in order to secure the account and prevent fraudulent withdrawals. During a prolonged phone call lasting approximately three ( 3 ) hours, I was given specific instructions by individuals I reasonably believed to be legitimate representatives of my bank and XXXX. At one point, the individual identifying as a bank representative joined the call and stated the call was being recorded and that protective measures had been placed on the account. I was directed to initiate several XXXX XXXX XXXX XXXX transactions, which I was explicitly told were necessary to generate cancellation codes and would not result in the removal of funds from the account. Relying on these representations, and in an effort to protect the guardianship funds, I followed the instructions provided. It was later discovered that these individuals were not legitimate representatives, but rather participants in a fraudulent scheme, and that the transactions resulted in an actual loss of {$11000.00} from the guardianship account and XXXX from my personal account. Upon discovering the fraud, I immediately : Contacted the bank and filed fraud claims on XX/XX/2026 Requested reversal/recovery of the XXXX & XXXX XXXX transactions Began gathering documentation related to the incident Filed police report Case number XXXX I am continuing to cooperate fully with the banks fraud investigation and any law enforcement inquiries. These actions were taken under false pretenses by individuals impersonating financial institutions, and at all times I acted in good faith and with the intent to safeguard the XXXX funds.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I won a dispute for {$770.00}. Bank of America sent me a letter stating that a temporary credit was issued and is now permanent. However, I never received this credit my account balance never increased, and no such transaction exists in my history. I visited a branch and was told to wait 5 days, but no credit was issued. A claim was opened, but the issue remains unresolved. I am requesting that Bank of America either issue the {$770.00} credit immediately or provide verifiable proof that the credit was applied.

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 monetary relief
Consumer complaint received 2026-05-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC regarding multiple hard inquiries appearing on my consumer report that I do not recognize and did not authorize. After reviewing my Equifax credit report on XX/XX/XXXX, I found the following disputed hard inquiries : XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), AN # XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ). These inquiries were made without my knowledge, consent, or authorization. Under 15 U.S.C. 1681b ( a ) ( 2 ), a hard inquiry may only be reported if there was a lawful permissible purpose. Under 15 U.S.C. 1681e ( b ), Equifax must follow reasonable procedures to assure maximum possible accuracy, and under 15 U.S.C. 1681i, Equifax must conduct a reasonable reinvestigation when disputed information is challenged. I requested a real investigation, not a generic or automated response. For each inquiry, Equifax should be able to identify the company that accessed my file, the permissible purpose claimed, and the application, authorization, contract, or other documentary evidence supporting the inquiry. If Equifax can not provide competent documentation showing a valid permissible purpose, the inquiry must be deleted immediately. These unauthorized hard inquiries are harming the accuracy and integrity of my credit file and may be negatively affecting my creditworthiness. I am asking the CFPB to require Equifax to conduct a manual reinvestigation, disclose the exact method of verification used for each inquiry, and delete every inquiry that can not be fully verified with documentary evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
The company is attempting to collect and report a balance significantly higher than the court judgment associated with this matter. I requested written validation of the debt, an itemized breakdown of the amount being reported, account information, payment terms, and receipts/payment confirmations. During phone communications, I was advised that the company does not provide receipts, written payment arrangements, account access information, or documentation prior to payment in full. I was also asked to provide bank account information over the phone for payment drafts without written terms or verification of the balance being collected. The disputed amount was recently reported to credit bureaus despite the lack of adequate verification or reconciliation with the court judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was scammed out of XXXX from wellsfargo, the caller sent me a code and was able to access my account, I was told by XXXX where I filled a report to corporate that they hack my phone but I am still liable and they want be giving me my money

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been with Wells Fargo for almost five years, and its been a ride with them. One of the problems i have with them is when you are in the negative they give you a 24 hour grace period before they charge you overdraft fee of XXXX XXXX As I stated to them Im a server so I always deposit money before the 24 hour grace period and I get charged overdraft fees, Wells Fargo has a policy where they can only dispute a overdraft two times in a year which I think its insane. For example yesterday XX/XX/XXXX I was negative I paid it pacific time after work this morning I got charged 3 times of overdraft fees XXXX times 3 it might not sound like a lot but Im stressed out and I shouldnt be now again Im negative XXXX and this is every other day, Wells Fargo customer service dont even make sense. I closed my account earlier there was no apology but I received an email stating they could not close my account til the account is positive with the overdraft fees I got charged with.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: MOHELA
State: KS

Complaint narrative:
Account shows active balance. Loans were discharged by the U.S. Department of Education effective XX/XX/XXXX. Balance and status are inaccurate. Ive called several times. My account did have negative amounts and then it popped back up with a small {$500.00} balance that is still accumulating interest every day. They have not reported the credit bureaus since XXXX and they have not issued any refund when I call and ask for a status they tell me they dont know. I first filed an CFPB complaint in early XX/XX/XXXX that Mohela has NEVER responded to. I also have emailed twice. This has been XXXX out on XXXX website and Mohela has FAILED to report to credit bureaus since XXXX. I will also be filing with XXXX vs XXXX ombudsmen as this is a discharge part of that lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: TN

Complaint narrative:
I am the co-borrower on my daughter 's home loan for her house in XXXX. The loan originated with XXXX XXXX around XX/XX/XXXX and was sold from XXXX XXXX to Selene Financial in XXXXXXXX XXXX. My daughter and I did not know the loan was sold before she had sent an early payment of {$1800.00} on XXXX XXXX for the XXXX payment to the original lender XXXX XXXX. My daughter received a welcome letter from Selene on XX/XX/year>. XXXX wired the funds to Selene Financial on XX/XX/year>. Selene has still not applied this payment to my daughter 's account. She has since made her other payments online and on time but not without hardship. I and my daughter have both contacted Selene on numerous occasions. I sent emails with documents to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have called them numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by an agent for Selene that a supervisor would call me back within XXXX hours. They did not call me back. Selene is holding a payment of {$1800.00} and will not apply to my daughter 's account. My daughter is a single mother with XXXX children and can not afford to have to come up with extra money each month since Selene is holding on to the payment that was wired to them XX/XX/year>. She does not ( nor do I ) want our credit hurt by this so my daughter is coming up with {$1800.00} extra each month. XXXX has been reaching out for over XXXX weeks now to Selene and Selene said it was being applied to her account, but it still has not been applied to her account. We just want to know why {$1800.00} has not been credited to her account. My daughter 's payment for XXXX is due, and she needs that money to be credited to her account. Please help us get some resolve. My daughter has all of her documentation also for when she has called and emailed with documents requested from Selene. My daughter has been making her payments online so should be credited within XXXX hours. She has sent them several time ( as have I ) but they act like they never got it and keep on requesting the same things over and over again. Please help

Company response to consumer: Closed with explanation