vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing regarding a 30-day late payment reported on my credit report for XX/XX/year>. This late mark does not reflect my overall payment history with this account. As shown on my credit report, I have maintained a consistent record of on-time payments before and after this single occurrence. This appears to be an isolated incident, and since then I have continued paying the account as agreed. Given my otherwise positive payment history and responsible management of this account, I respectfully request that the creditor review this matter and consider removing the late payment adjustment from my credit report as a courtesy. This negative mark is impacting my credit profile despite years of responsible payment behavior. I would appreciate a review and a fair resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: GA

Complaint narrative:
on XX/XX/year>XXXX XXXX XXXX charged my account for {$300.00} on XX/XX/year> XXXX XXXX charged my account for {$290.00} on XX/XX/year> XXXX XXXX charged my account for {$440.00}, {$220.00}, {$320.00}, {$140.00}, {$290.00}, {$470.00}, {$320.00}, {$320.00}. When i contacted my bank ( wells Fargo ) to file a claim for un authorized transaction, they started the claims process. 9 days later i got an update that said " Good news! we credited your account and closed this claim '' i have not yet seen a credit in my account for any of the charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I financed a vehicle through XXXX XXXX XXXX. The lien on the vehicle was officially released on XX/XX/year>, as documented on my XXXX XXXX of XXXX. I have attached a copy of the title showing the lien release signed by XXXX XXXX. Despite releasing the lien on XX/XX/year>, XXXX XXXX continues reporting ongoing XXXX delinquencies on my credit reports after that date. The account continues updating monthly as if it is actively delinquent even though the lien was released and the collateral relationship ended. I have disputed this information with the credit bureaus, but the account continues to be automatically verified without correction. The continued reporting of new delinquencies after the lien release date appears inaccurate and misleading under the Fair Credit Reporting Act. I am requesting that XXXX XXXX investigate and correct the account reporting to reflect the accurate delinquency period ending XX/XX/year> and update the account status appropriately with the credit reporting agencies. This account is currently being reported to XXXX and Equifax but not XXXX, which further indicates inconsistent reporting across the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Comerica
State: KY

Complaint narrative:
I filed a dispute with direct Express on XX/XX/XXXX of XXXX it was for a XXXX rental company in XXXX Kentucky they charged XXXX on my card I do not have an account there and it was unauthorized the only thing direct Express tells me is it still pending on Arronas end nobody is telling me anything and giving me the run around XX/XX/XXXX will be the full 90 days I haven't received any letters no notifications nothing both companies are incredibly rude and unprofessional the supervisors and every worker at direct Express are horrible I do not understand how our government lets us get benefits on this card the wait times are over an hour just for them to say they can't do anything and connect you to somebody else and you have to wait another hour I only received so much a month and that little amount could get me food or other things and these people simply do not care the entire call center is out of the US with no hope!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to the credit reporting agencies regarding inaccurate information on my credit reports. At the time of my dispute, several negative accounts were not present on my reports. After the dispute was submitted, multiple previously deleted accounts were reinserted and began reporting again between XXXX and early XX/XX/year>. These accounts include closed revolving and installment accounts from a credit union and a major bank card servicer. The reinserted accounts are reporting with closed and/or derogatory statuses. I did not receive any written notice of reinsertion within XXXX business days, as required by the Fair Credit Reporting Act. The accounts simply reappeared on my reports after having been deleted. In addition, an installment lender continues reporting late payments that remain disputed and have not been corrected. These late payments continue to be reported despite prior disputes requesting accuracy and correction. Because the previously deleted accounts were reinserted without required notice, and disputed late-payment information remains uncorrected, the credit reports continue to contain inaccurate information. I am seeking regulatory assistance to ensure compliance with federal credit reporting laws and correction of my credit files.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
XXXX has reported a {$590.00} charge-off on my credit report related to financing through Healthcare Finance Direct for XXXX XXXX XXXX XXXX. XXXX ceased operations and filed for bankruptcy in XXXX, leaving many consumers without the treatment services that were originally contracted. Because the company shut down, the treatment associated with this financing agreement could not be completed as promised. Despite the failure to provide the contracted services, XXXX is reporting a collection account. I dispute the accuracy and validity of this debt. The balance being reported is inaccurate because the underlying services tied to this financing agreement were not fully delivered. I request that the company provide proper verification of this debt, including documentation showing the services were completed, a full accounting of charges and payments, and proof that XXXX has the legal authority to collect this debt on behalf of Healthcare Finance Direct . If the furnisher can not provide this verification, the account should be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
So XXXX XXXX 2026. I got a message stating there closing my cashapp. For fraudulent use or something that goes against there policy. I appealed it. I said I didnt do anything. I want what I did. I tried to fight against it and they denied my appeal, but didnt even send me information to show me why I did wrong then they close my account and dont even let me finish up making payments or nothing and now Im getting all these fees on loan that I cant make payments because they shut my whole account down.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: PA

Complaint narrative:
Everytime I request a debit card I keep getting an error and cash app has not helped me resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: RICHLAND HOLDINGS, INC.
State: NV

Complaint narrative:
Subject : Complaint Regarding Unverified Rental Collection and Inflated Balance I am filing a complaint regarding a collection account reported by XXXX of Southern Nevada on behalf of XXXX XXXX at XXXX apartment complex in XXXX XXXX, Nevada. I resided at the property from XX/XX/XXXX until XX/XX/XXXX during the XXXX pandemic when federal tenant protections were in place. The original balance claimed by the apartment complex was approximately {$5000.00}. Since being sent to collections, the balance has increased to over {$13000.00}. I have never received a clear explanation or itemized accounting showing how this balance increased. I have requested validation and documentation of this debt from the collection agency, including an itemized ledger, the original lease agreement, and documentation authorizing the additional charges. To date, this information has not been provided. Without documentation supporting the balance and its increase, the continued reporting of this collection account may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Additionally, the alleged debt stems from a period during the XXXX emergency when federal housing protections were in effect. I am requesting that ACCTCORP of Southern Nevada provide full documentation validating the debt and the charges added, or immediately remove the account from all credit reporting agencies. I am also requesting that the balance inflation from approximately {$5000.00} to over {$13000.00} be investigated and justified with proper documentation. If this documentation can not be provided, the collection account should be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I went to Regions Bank to open up an account to try to cash my refund check, An they said I couldn't open XXXX with them, They wouldn't tell me why

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have had a CareCredit account with Synchrony Bank for years. I closed the account, while still owing, due to the ineptness of their autopay. This ineptness continues every month. I have to call, give them my banking information and set autopsy up, every month. Then, instead of taking their payment, I receive a hit on my credit for delinquency and have to call, deal with their insane computer to get to a person, give them my info... again, get the bill paid, and wait for it to all happen again. Since I don't have an active account, I am unable to pay the bill, myself, each month online, without calling. The dinging of my credit has got to stop and this bank needs to maintain and utilize my information to properly manage my account. And have their autopay pay my bill every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: OK

Complaint narrative:
This is my second complaint with CFPB the last complaint CASH APP sent CFPB a statement that said my account was open and had been accessible since XX/XX/XXXX. However that is a lie. I have had 3 more ohone calls with them and another email saying my account will remain closed and they are keeping funds. XXXX My cash tag is $ XXXX. Please help me get my money from cash app. It is nearly {$4000.00} dollars they have had nearly 3 months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted formal disputes to the credit reporting agencies regarding inaccurate information on my credit reports. At the time of my dispute, several negative accounts were not present on my reports. After the dispute was submitted, multiple previously deleted accounts were reinserted and began reporting again between XXXX and early XX/XX/year>. These accounts include closed revolving and installment accounts from a credit union and a major bank card servicer. The reinserted accounts are reporting with closed and/or derogatory statuses. I did not receive any written notice of reinsertion within XXXX business days, as required by the Fair Credit Reporting Act. The accounts simply reappeared on my reports after having been deleted. In addition, an installment lender continues reporting late payments that remain disputed and have not been corrected. These late payments continue to be reported despite prior disputes requesting accuracy and correction. Because the previously deleted accounts were reinserted without required notice, and disputed late-payment information remains uncorrected, the credit reports continue to contain inaccurate information. I am seeking regulatory assistance to ensure compliance with federal credit reporting laws and correction of my credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WI

Complaint narrative:
U.S. Bank National Association closed multiple deposit accounts and retained {$22000.00} in funds for over three years without lawful justification. The bank has failed to provide adequate accounting or documentation explaining the retention of my funds. The banks actions constitute unfair and deceptive acts under 12 U.S.C. 5531 ( Consumer Financial Protection Act UDAAP ). Despite demand for return of funds, the bank continues to withhold my money. The total financial harm exceeds {$26000.00} with interest and exceeds {$70000.00} including enhanced damages due to prolonged wrongful retention. I request immediate return of my funds and formal investigation into 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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I was pickpocketed at XXXX atm on XXXX XXXX XXXX XXXX XXXX NV XXXX on XX/XX/year> and Chimes denied my disputes twice saying it is in same location to me. I was at XXXX XXXX and XXXX since my friend is attending the poker tournament after work on XXXX when I found out my card was stolen. I filed a police report and showed I am with a different person and not the thief, but Chime wants me to approach the businesses, investigate for myself, give them photos of my business at XXXX to prove I did not do a {$240.00} shopping at XXXX. They want me do their investigation. I told them I am not a detective. Their investigation was quick, based on gps rather than thinking that I was somewhere else when I spoke to several Chime reps. I sent photos of my food at restaurants, proof of money pick up at XXXX, paying for last minute items at XXXX using XXXX instead of Chime, photo of me and my boyfriend by XXXX, and atm receipt using my other bankcard at the hotel on XXXX. I thought of getting cash at XXXX for the XXXX dollars fee versus XXXX fee at hotel. I went into XXXX for the first time since it was next to XXXX. I went in for a while since I am waiting for my boyfriend to finish work. When my boyfriend called, I went to the atm for XXXX dollars fee instead of XXXX fee at hotel, to pull additional cash for my boyfriend who will be going into a poker tournament after work and he will pay back on payday. At the atm, I was suddenly surrounded by people when it was isolated before. I got flustered and confused and found my RFID crossover wallet zipper open after covering the atm screen with my hand. The atm was showing my balance when I said do not check balance, and the guy was looking. I didnt think of checking my wallet because I was rushing back to the hotel. My phone was silent and found out later of the unknown purchases. Below are the fraudulent charges. I attached the emails and pictures that I was somewhere else on XXXX. Chime denied my disputes twice, but only approved the collect calls. XXXX 's {$14.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX 's {$85.00} denied twice at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX {$16.00} at XXXX on XXXX {$100.00} at XXXX on XXXX {$6.00} at XXXX am on XXXX XXXX {$35.00} at XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX {$91.00} at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX {$240.00} denied twice on XXXX because thief used wrong pin XXXX * Collect Call {$1.00} at XXXX on XXXXchime approved dispute XXXX * Collect Call {$0.00} at XXXX on XXXX Chime approved dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlantic Recovery Solutions LLC
State: SC

Complaint narrative:
I let mercury credit cards know that the account was opened in my name fraudulently. Back in XXXX of XXXX. So a coupe of months go by and it goes off my credit report. XXXX of XXXX it pops up as a collection. And the amount is {$3800.00}. XXXX credit cards gave the third party collector my information and they keep calling me about it and I keep telling them the same thing it was opened fraudulently and I let them know that.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 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: Conduent Incorporated
State: NY

Complaint narrative:
Systemic Failure to Disburse Child Support Funds and Vendor Misconduct Statement of Fact : I am a custodial parent and a licensed attorney. I have been denied access to court-ordered child support funds for over 60 days due to the repeated failure of Way2Go ( Conduent ) to deliver my debit card. On XX/XX/year>, I attempted to resolve this for a fourth time via phone ( XXXX ) and encountered the following : XXXX XXXX EST : I spoke with Supervisor XXXX. She refused to waive the {$18.00} expedited shipping fee despite a 60-day delay caused by vendor error. She further refused to provide a tracking number or written confirmation of our call. XXXX XXXX EST : I called back to the XXXX line. Upon reaching a supervisor, I requested his Agent ID and a Reference Number for a formal grievance. The supervisor immediately and abruptly terminated the call ( hung up ) upon my request for identification and mention of a CFPB filing. This conduct constitutes a " constructive denial of access '' to protected funds and a material breach of the vendor 's fiduciary duty. Desired Resolution : I demand an immediate, no-cost expedited delivery of my replacement card with a provided tracking number. I also request a formal audit of the XXXX XXXX call recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/year>, I received a single payment of {$200.00} USD for professional services delivered to a client ( XXXX XXXX ). The services were fulfilled immediately, and as of today, XX/XX/year>, over XXXX days have passed without a single dispute, chargeback, or inquiry from the customer. On XX/XX/year>, I contacted PayPal support to inquire why I was unable to convert and withdraw my balance of {$200.00} USD ( Net ). An agent named XXXX informed me that my account has been permanently deactivated and that my funds will be held for XXXX days. I am disputing this XXXX hold for the following reasons : Zero Risk : There has been no customer dissatisfaction or dispute in over two months. Fulfilled Obligations : I have provided all necessary proof of service for the single transaction on the account. Lack of Transparency : No specific violation of the User Agreement was cited, and I was given no opportunity to appeal the deactivation before the funds were locked. Holding these funds for an additional XXXX months is an arbitrary and unnecessary restriction that causes me significant financial hardship. I am requesting an immediate manual review of my account and the release of my {$200.00} USD balance.

Company response to consumer: Closed with explanation