vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have had them send a replacement card over the past 2 months. No person is reachable over the phone directly so I must dial their regular support line and ask or beg to be transferred. Then they try to verify after I verified the fully automated system. I can declare every transaction on the account including amount and date. They refuse to validate and assist even with general information as in making a transfer without a debit card since they have never once sent me one. I now use direct deposit but there are funds still in the unissued debit card from money network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Attached is the proof from the merchant that item is NEW and NOT used. The business asked for proof from the merchant that the item was new and I provided it in writing from the merchant. Now they are refusing to process the claim by stating that the merchant 's verification is not valid because " this information provided is not sufficient to verify that the item was purchased in new condition ''. Not only is the business ' statement completely false, but it also goes against the proof that they required me to obtain. This means that the business acted in bad faith when they required me to get proof from the merchant that the item was new and in direct violation of the policy and written agreement. Furthermore, the business falsely claims that the documentation " can not be independently verified ''. The business has the e-mail and phone number of the merchant and can reach out to them at any moment in time. The business lied once again to avoid processing the claim and is direct violation of the warranty policy. Lastly, the business falsely claimed that " the language used in the customer service chat suggests the item was still in your possession at the time of the conversation ''. However, there was nothing in the conversation to indicate that. I even asked the business phone business ' Agent to point me to where she believes it said that, but she opted to answer the question and abruptly hung up the phone. About 5 weeks ago, American Expressed opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance with the cards benefits guide. I have called and emailed American Express about the complaint, and they are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am not aware of this debt. I disputed it and have not heard anything back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have previously submitted a request through CFPB regarding an American Express eGift Card that I received from my company. I have now tried to use this card as XXXX, XXXX XXXX, and XXXX in person and it has not work. I tried using it online at XXXX, XXXX, and now XXXX and it has not worked. The company replied and said it would not work at XXXX because it is an international website and the card does not support international transactions. at this point, i have tried using this card multiple times and I am frustrated with not being able to use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/year> my computer was hacked and a wire transfer of {$7800.00} was ordered from our checking account in Truist Bank ending in... XXXX. That same day my wife and I met with the XXXX of the local Truist branch in XXXX, XXXX, told him of the fraud and insisted that the bank cancel or retrieve the wire to XXXX XXXX XXXX. At that time the wire transfer was " pending '' and had not been accomplished. Truist bank was aware of the charges of fraud and failed to take steps to stop or reverse the debit from our account, stop or delay the wire transfer, or take meaningful efforts to recover the funds. To our knowledge, Truist failed to timely notify XXXX XXXX XXXX of the fraud.

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 2026-05-24 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: NJ

Complaint narrative:
Hello. I have continuously been having to deal with delayed responses from Mohela and pending submissions that are now impacting my payments and qualifying loans. This is now my second complaint regarding Mohela/XXXX XXXX. I submitted an updated PSLF form on XX/XX/year>, which is over 4 months ago. It still says " In Progress '' and now my loans are showing up as " Employment not Certified '' and therefore not counting toward my PSLF. This is not an error on my end and I will not be held accountable for their mistakes and constant delays. They also sent me an updated repayment schedule which shows an increase from {$250.00} to {$580.00} when I don't even have an increase in salary. It is such a scam. I attempted to call them regarding this issue as well, however, I was on hold for over an hour.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
We believe robosigning occurred by a women named, XXXX XXXX XXXX. In XXXX we reached out to the servicing company to apply for a loan modification at which time we were forced to become deliquent for the first time in the history of our loan. We were advised that the only way to qualify for a modification was to be deliquent on the loan. Once deliquent, we did a phone call qualification to put us on a reduced payment plan. We were never told this plan would have a huge impact on our credit. We paid all payment plan installments and the process took well over six months. When we were finally approved, after the servicer kept making us resend mod documents over and over again. Once approved, we followed the instructions. After two weeks we received a phone call and voicemail informing us the servicer made an error and we were not approved because XXXX XXXX does not allow modifications. The reduced payment plan did not cover it and we owed them over {$27000.00}. We made arrangements to pay back and to get current that almost doubled the loan payment. We caught up, lost a job, and then they wouldn't accept our payment.The servicing companies were Ocwen Mortgage XXXX XXXX previously XXXXXXXX XXXX XXXXXXXX ) for XXXX XXXX. During multiple loan modification processes we received written and verbal approvals for the XXXX and inhouse modification programs by the servicing companies after which, we were informed that our loan did not qualify for XXXX and XXXX XXXX denied every loan modification, resulting in our home being foreclosed on. At which time, we were informed that XXXX XXXX would not approve any loan modifications. Attached are documents indentifying the companies are included in the complaints. We believe we were victims of the computer glitch by XXXX XXXX that continuously denied us of loan modifications forcing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate, incomplete, and internally inconsistent credit reporting associated with a charged-off secured credit card account being furnished by Chime / XXXX XXXX XXXX The account is being reported as a revolving secured credit card with : - a charged-off balance, - past-due amount, - revolving derogatory status, - and active balance reporting, while simultaneously reporting a {$0.00} credit limit. This reporting structure is materially misleading and inconsistent with standard Metro 2 reporting requirements for secured revolving accounts because a secured card necessarily operates with an established secured limit, collateral amount, or associated deposit relationship. Additionally, the furnisher has failed to provide : - the original secured account terms, - original secured limit or deposit amount, - complete payment history, - complete 24-month payment profile, - accurate delinquency progression, - and complete Date of First Delinquency data. Further, I attempted to resolve the balance directly with Chime ; however, I was advised that no payment processing pathway exists despite the balance continuing to report to consumer reporting agencies. This creates a contradictory reporting situation where : - the debt remains actively furnished, - yet the furnisher claims it can not process payment on the account. I dispute the completeness, integrity, and maximum possible accuracy of this tradeline under : - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i - 15 U.S.C. 1681s-2 ( b ) I am requesting : 1. Full documentary verification of all Metro 2 reporting fields and account terms ; 2. Verification of the original secured limit/deposit relationship ; 3. Verification of the balance calculation and charge-off methodology ; 4. Correction or deletion of inaccurate and incomplete reporting ; 5. Investigation into whether Chime XXXX XXXX XXXX is furnishing incomplete or misleading revolving utilization information to consumer reporting agencies. I request a substantive investigation rather than an automated e-OSCAR verification response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have and Issue with Ally bank and they bad business practices and putting suspected fraud information on my XXXX and probable early warning trying to say I frauded and account that I did not. I deposited a check from another personal checking account I had at a different bank for a XXXX and XXXX dollars when I wrote the check everything was fine. It was something that came into the account I wrote the check from that I did not authorize that bank put the money back into that account, but it was after that check had already come through. I went to log into my account at Ally they blocked the account from me logging in to do the deposit to clear up that overdraft, so I called Ally bank talk to someone in the customer service department they transferred me over too another department. The person I talked to had an attitude and told me I was not allowed to make a deposit to clear up the overdraft of the XXXX and XXXX dollars when I asked her why she could not tell me. She said she would just note the account that I called in and what caused the problem. Which I do not believe she even noted the account. i called to clear it up the end of XXXX the beginning of 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 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I opened a 360 checking account with Capital One in XX/XX/year> which was suppose to include a sign up bonus of {$250.00}. Due to a technical error on Capital One application page, the Promo code did not attach. Customer Service refused to retroactively apply the code despite my clear intent to fulfill all direct deposit milestones.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
The furnisher and/or collector continues reporting disputed information without providing competent documentary evidence validating the alleged debt. This appears to violate : * FCRA 15 U.S.C. 1681s-2 ( b ), * FCRA 1681e ( b ), * FDCPA 1692e, * FDCPA 1692f, * and FDCPA 1692g. I am requesting : 1. Immediate reinvestigation, 2. Complete validation, 3. Method of verification, 4. Deletion of unverifiable information, 5. Correction of any inaccurate reporting, 6. Confirmation that unlawful re-aging has not occurred. I reserve all rights under UCC 1-308 without prejudice. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: WV

Complaint narrative:
Dear Sir/Madam, I am filing this complaint against Abound regarding repeated delays and failure to process my international money transfer transactions. On XX/XX/year>, I initiated an international transfer of approximately {$5300.00} through the Abound app to send money to XXXX for the purpose of closing an active loan. The company accepted the transaction and held my funds for nearly 20 days without properly completing the transfer. However, they always say the funds would be available in beneficiary 's account with 3 to 5 days when the transactions is initialed. Moreover, the settlement amount was supposed to be Rs XXXX which the app showed me but later they changed it to Rs XXXX. Please check the attachments for the same. I wonder how could a company change the time and amount of delivery after written confirmations. During this entire period, my money remained inaccessible to me. I repeatedly contacted customer support through emails and inquiries requesting updates and resolution, but I did not receive any meaningful explanation regarding the delay. Eventually, after holding the funds for an extended period, Abound informed me that the transaction would be cancelled and the money refunded back to me. However, even after cancellation, I was informed that the refund process itself would take additional days, meaning the company would continue holding my funds even longer. In addition to this issue, I also initiated another transaction of approximately {$23.00} on XX/XX/year>, through the same platform because I wanted to empty my digital wallet with the company. As of today, that transaction also remains unprocessed. This demonstrates that the issue may not be an isolated incident but instead reflects a repeated pattern of delayed processing, prolonged holding of customer funds, and cancellation of transactions after significant waiting periods. Because of these delays, I suffered financial inconvenience, stress, uncertainty, and disruption to my personal financial obligations, especially since the original transfer was intended to close an important loan payment in XXXX. I respectfully request that this matter be investigated thoroughly and that appropriate action be taken regarding the companys handling of customer funds and transaction processing practices. I also request consideration for compensation for the unnecessary financial hardship and inconvenience caused by these delays. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a credit card with Capital one, it closed and I paid off what was left, next thing I receive is an email stating I owe over XXXX $ that I should not owe. Please help this get resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Dave Operating, LLC
State: PA

Complaint narrative:
I needed to pay a ticket and I did an instant transfer of {$300.00} from my XXXX account to varo. It was sent but according to XXXX, XXXX declined the transfer ( saying i didnt have the money but I did ) and the transfer was returned to XXXX XXXX XXXX confirmed the return was completed on their end. I was told the money would be returned to my account within the day by XXXX. It wasnt. I called back after midnight and was told it could take up to XXXX hours. Still dont have my money and no one knows what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IL

Complaint narrative:
I accidentally sent money to the wrong XXXX XXXX after I was sending money to my sick elderly dad for food I been with Cash App for years I have never had a issue today I asked them if they could over ride the declined refund request so to them seeing the history of me sending my dad money through out the years I press the wrong XXXX they told me it was nothing they can do how are u a nationwide commonly wi XXXX a bank and credit card company but cant help a customer get their money back in the economy this is unacceptable and unprofessional what type of company cant help their customers in need Im making multiple reports on them this is so wrong people have kids and families to feed already unable to survive barely can u all please help by making other aware about this and help me try to get some help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credit Service Company
State: TX

Complaint narrative:
I am submitting a follow-up regarding my original complaint filed on XX/XX/year>. The company has failed to respond to the complaint or provide any validation or documentation regarding this account. Because the furnisher has not responded within the required timeframe, I am requesting immediate removal of this account from all credit reporting agencies. This account continues to negatively impact my credit despite the company failing to verify the alleged debt. Under the Fair Credit Reporting Act, unverified information should not continue to be reported. I am requesting that the Consumer Financial Protection Bureau escalate this matter and require deletion of this account from my credit reports immediately. I have made multiple attempts to resolve this matter and have not received proper validation, proof of ownership, signed documentation, or a timely response from the company. Please update me regarding the status of this complaint and the steps being taken to ensure compliance with federal credit reporting laws.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not authorize nor have any ties to these account and hard inquiries

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 2026-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I found an account that I created and changed personal information to another phone and thought my account i am using was mine until I requested money from my daughter and found my actual account. I contacted CasApp because I am even have problems updating my address on my account I am using. This is the second time I found accounts that someone has been using. I received credit alert because someone has even made a XXXX XXXX account under my name and social but using a different birthday. I am XXXX not XXXX. I 'm contacting a consultant about the matter. I feel CasApp is involved!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-24 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: Security Credit Services, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX has damaged my credit report. They are using my credit report with extortionate intentions to coerce and swindle me into paying an alleged debt. I REFUSE TO PAY THIS DEBT AND ANY OTHER DEBT YOU HAVE FOR ME.

Company response to consumer: Closed with explanation