vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An itemized statement breaking down the balance you claim I owe. 5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 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: AR

Complaint narrative:
I attempted to pay an intended recipient by copying their verified Cashtag and pasting it directly into the Cash App recipient field. Upon pasting the text, the Cash App interface automatically appended extra numerical characters to the handle. Because I relied on the apps " Paste '' function for accuracy, I did not detect that the software had modified my clipboard data before the transaction was finalized. I accidentally paid {$370.00} to the wrong person. Two minutes later, I figured out the problem and immediately tried to request the money back and paid the correct person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Complaint Against Wells Fargo ATM Deposit Error I am filing a complaint regarding an unresolved ATM deposit error involving Wells Fargo. On XX/XX/year>, I attempted to deposit a business check for {$24000.00} into a Wells Fargo ATM. During the transaction, the ATM malfunctioned, kept the check, and incorrectly credited my account with {$0.00} instead of the full amount. I immediately reported the issue, and my claim was officially opened on XX/XX/year>. On XX/XX/year>, I was contacted by a Wells Fargo investigator who verified my identity, requested my full Social Security number for verification, and sent a one-time passcode to confirm my identity. During that call, I also uploaded a photo of the {$24000.00} check that I had taken prior to depositing it into the ATM. Since providing that documentation, I have not received any further updates or resolution. I have contacted Wells Fargo multiple times and have been repeatedly told that the case is with investigators and that customer service can not provide an update. As of today, it has been more than 10 business days since the claim was opened, and I have not received provisional credit, a final decision, or written notice extending the investigation. This situation has left {$24000.00} unaccounted for, even though the ATM retained the check and the bank has documentation of the transaction as well as the image of the check. I am requesting that Wells Fargo : 1. Provide a clear update on the status of the investigation. 2. Issue provisional credit for the full {$24000.00} while the investigation continues. 3. Correct the ATM deposit error and credit my account for the full amount of the check. Thank you for reviewing this matter and assisting with a 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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Subject : URGENT : Illegal Account Restriction & Unauthorized Balance XXXX My PayPal account was unreasonably restricted on XX/XX/year>. On XX/XX/year>, my balance of {$1700.00} USD was arbitrarily cleared to {$0.00} without any notice, reason, or justification. All my transactions were legitimate. This is unauthorized fund seizure. I DEMAND : Immediate full restoration of {$1700.00}. Immediate removal of all restrictions. Formal written explanation. My original registered email ( XXXX ) is no longer accessible. Please send all official responses ONLY to this current email address : XXXX. If not resolved within 48 hours, I will escalate to all relevant regulatory authorities and take legal action. Name : XXXX XXXX Affected PayPal Account : XXXX Contact Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I closed on my home in XX/XX/XXXX with XXXX XXXX. XXXX XXXX sold the loan immediately to XXXX XXXX. However, XXXX XXXX did not record their assignment of my mortgage until XX/XX/XXXX, even though they had supposedly owned the loan since XXXX. Then, in XXXX, XXXX XXXX sold my loan to Freedom Mortgage. I sent XXXX XXXX a Qualified Written Request asking for documents. They told me my loan had been sold to XXXX XXXX, then bought back, then sold again and repurchased. But XXXX XXXX states that it does not buy or sell loans. I located my loan in a XXXX XXXX XXXX pool, which adds to the confusion about who really owns my loan. After repeated requests, Freedom Mortgage finally sent me an allonge to the promissory note. The allonge has no date and contains a signature that is different from the original note. The original note has the name XXXX XXXX but no actual signature : it says VOID with initials XXXX. The endorsement on the allonge is signed XXXX XXXX, but no date shows when or how this endorsement was made. This does not match the original paperwork. Additionally, the assignments from XXXX XXXX and Freedom Mortgage do not include any language saying that the note and other obligations were transferred, only the security deed. This raises major concerns about whether the companies claiming to own or enforce my loan actually have legal ownership of the note. Why this is a problem : I can not get a clear answer about who owns the loan, who has the legal right to enforce it, or why the paperwork is inconsistent. XXXX XXXX provided contradictory information. Freedom Mortgage provided an allonge that appears incomplete or irregular. XXXX XXXX denies participating in loan purchases even though the loan appears in a XXXX pool. I also believe the 10-year delay in recording the assignment has caused serious problems with the loan records. If XXXX XXXX claims to have sold and repurchased the loan from XXXX XXXX several times, and it also sold the loan to Freedom Mortgage, why does Freedom Mortgage have an assignment but XXXX XXXX does not? At some point should I have not been paying XXXX XXXX, if the loan was actually sold to XXXX XXXX, much like XXXX XXXX sold the loan to Freedom Mortgage? What I want : I am asking the CFPB to investigate : 1. Whether XXXX XXXX, Freedom Mortgage, or any other party has proper documentation showing who owns my note. 2. Why XXXX XXXX provided inaccurate or conflicting information about XXXX XXXX role. 3. Whether the allonge provided by Freedom Mortgage is valid or if it was created after the fact. 4. Whether the companies followed proper rules for assignments, transfers, and disclosures. 5. Whether any servicing violations occurred under RESPA when I requested information. I want a full and clear explanation of who owns the loan, who has the right to enforce it, and why the paperwork contains discrepancies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I am submitting this complaint regarding American Expresss handling of a billing dispute for services not delivered as agreed. On XX/XX/year>, I prepaid {$720.00} with my American Express card for hair extensions and color services from a merchant on behalf of a secondary cardholder on my account, XXXX XXXX. The merchant required payment in advance to purchase the extensions and confirmed the requested hairstyle and color before the appointment. The merchant did not perform the color service included in the agreed price. When XXXX asked about the missing service at the end of the appointment, the merchant stated it was too soon to color and told her to return in a few weeks. Within XXXX to XXXX weeks, the extensions began loosening and falling out. XXXX contacted the merchant to resolve the issue and was told to schedule another appointment and pay an additional fee to retighten the extensions. When XXXX also asked about returning for the XXXX service already paid for, the merchant responded with confusion about the color request despite earlier confirmation. Because the merchant did not complete the agreed services and refused to correct defective work without additional payment, I filed a dispute with American Express. I submitted supporting documentation, including screenshots of text messages between XXXX and the merchant showing attempts to resolve the issue and the merchants refusal to remedy the incomplete and failing services without further payment. American Express denied the dispute and closed the case. I requested reconsideration and provided the same documentation again, including the text message exchanges showing the merchant acknowledging the need for a new appointment and additional payment to correct the extensions and failing to complete the prepaid color service. American Express denied the dispute again and ultimately closed the case after multiple submissions despite the documentation provided. I am requesting that American Express review this matter again and explain why the documentation provided does not qualify as evidence of services not delivered as agreed. The merchant did not complete the prepaid services and refused to correct the defective work without charging additional fees. I believe the charge should qualify for dispute protection under American Express policies for services not rendered as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX. of XXXX, 2026, I, XXXX XXXX XXXX XXXX contacted Chimes " Customer Support about their app and website not providing Me access to my accounts with them and I am on Social Security XXXX XXXX and can not access my account, where my direct deposit is going for a year now. I have called them twice and requested they fix the problem to no avail so please can You investigate this issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America knows my card was used when my phone was out of my possession and that I never received any goods or services from the companies that charged my card. They refused my dispute claiming the companies said they sent me the goods that I never received. I would like to know who the goods were sent to and why Bank of America keeps refusing to okay my dispute. I feel they keep changing the reason they wont remove the fraudulent charges. My dispute is valid and they keep denying it.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MO

Complaint narrative:
On or around XX/XX/year> my chime account was as abruptly closed without prior knowledge or warning. This account not only used for transactions to bills also reports as accounted credit and being closed isnt a good look for a customer. I was given no reason for closures and no reason to why it can not be reopened. Last year I was also burglarized and my bag and wallet was stolen so anything that happened with account that I didnt approve I have no acknowledgment of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Almost XXXX years ago around XXXX and XXXX I had dropped my wallet with my social security number, ID, and cards. I reported this to Capital One on the same date no later than XXXX minutes after I found out that my wallet was missing. I made sure to let them know that everything was missing and to not give any of my information to anyone that was calling for any number, but mines. I have had the same number for 10 years so if they looked back at any information they could tell there was a difference it contact information. Instead of adhering to this direction, Capital One relayed my information to the person for my mobile account. The person was then able to get into my account and change my demographic information. They changed everything from my address to my phone number. This issue caused a lot of stress and caused me to have to change all of my cards multiple times. I also had to freeze my credit and make sure to let the credit bureaus of this issue because the anxiety that the person would be able to do the same thing as Capital One because of the negligence that they exhibited. I also had to open a new checking account because I had lost all my trust in the institute that was Capital One. The only reason I had kept my credit cards was because they had debt on it. When I found out about the breach of my information on behalf of Capital One through email. I contacted the customer service line and all they had to say was well they had all your information and I said I reported that information to you already and gave you specific instructions regarding this. I had also asked to speak to a manger or a supervisor and they told me someone would get back to me and that never happened.They had to lock my card to the point that anytime I wanted to use it I had to contact Capital One to get it unlock for less than XXXX minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I paid this balance XX/XX/year>. Disputed the account status because it is still being reported as unpaid. The company sent a verification to XXXX that the full balance is still due. On their app it shows that I paid this in full but they continue to report it as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Chime Financial Inc
State: NC

Complaint narrative:
I am filing a complaint regarding Chimes handling of a dispute related to a deposit I paid to a moving company. On XX/XX/year>, I paid a deposit using my Chime card for an interstate move scheduled for XX/XX/year>. Shortly before the move date, the company attempted to increase the price by nearly {$1000.00} ( approximately 150 % of the original quote ). Because of this drastic and last-minute change, I declined the service and requested a refund of my deposit. The moving company has refused to return the deposit. I disputed the charge with Chime, explaining that the company changed the agreed terms and did not provide the service. However, Chime denied my dispute twice despite the documentation showing the pricing change. I believe my dispute was not properly investigated and I am requesting that Chime review the case again and issue a refund for the deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: OneMain Finance Corporation
State: TN

Complaint narrative:
I am filing this as a supplemental emergency complaint regarding Case # XXXX. While Foursight Capital notified the CFPB on XX/XX/XXXX that they were 'investigating " my request for XXXX XXXX ( written-only communication ), and for the company that bought them One Main Financial to help me with medical hardship, they simultaneously issued a 5-day Notice of Intent to Repossess on XX/XX/XXXX. They are using the 60-day CFPB response window to aggressively escalate collection and circumvent my legal rights. This is predatory and retaliatory. I demand an immediate freeze on all repossession activity until my original complaint regarding communication accommodations and hardship review is resolved. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.

Complaint narrative:
I opened a carter 's store credit card account but never received the physical card and therefore never activated it. When the company first contacted me in XX/XX/year>, I informed them that I had not received the card. I offered to make payment for the original balance of {$19.00}, but I requested that they first send the card or at least an email or paper statement so I could verify the account details. Due to frequent fraud activity, I was not comfortable sharing my checking account or debit card details over the phone without receiving official account documentation. The representative said they would arrange to send the card or statement, but I never received it. I also tried registering on the companys online portal and attempted a password reset but never received the email needed to access the account. Despite these efforts, a {$50.00} late/courtesy fee was added and the balance increased from {$19.00} to {$65.00}. I contacted customer service and a supervisor but the issue was not resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
Reached out to debt collector at provided number in hopes of setting up a payment plan. Before doing so I made sure the had a right to LEGALLY obtain the written right to my debt, when they could no longer obtain that information for me I was then transferred and put on hold for thirty seven minutes and then hung up on because they could not hear me.

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 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Autovest, L.L.C.
State: CO

Complaint narrative:
I had a car loan back in XXXX with XXXX. My sister ended up in a car accident and totaled my car. I notified the XXXX of the situation. I never heard back from them and I did not get anything related to the car as it being sold or that they picked up the car. I do know that they had a law firm garnished my checks from when I worked at XXXX. The name of tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received two notices from them one to settle for the account and the other to file a motion to continue the debt and stop the " statue of limitations. '' I really haven't received much about this loan other than they garnished my wages. I really believe they did not use the wages that they garnished because the balance does not seem to be going down. I feel like this overall experience has caused me to lose money and pay for something that has be longed overdue for nothing to show for from the company. I need a resolution on this because I feel like they keep selling or manipulating the law to keep this going when its been over 6 years.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
Someone used my card in withdrawal money and cashed app just denied and another I paid some one for ride they didnt do I showed proof and it gt denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Doing my yearly credit report checks I came across an account that doesn't appear to accurate. The company 's states that I opened a loan southern fast loans La on XX/XX/year> in the most of {$290.00}.

Company response to consumer: Closed with explanation