vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Creditor use my credit for improper use. The collection has been successfully removed from my XXXX file but not removed from my XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am formally disputing the account reported by Southwest Credit Systems LP as inaccurate and unverified. This account, showing a balance of {$430.00}, is not recognized, and I have not received any prior validation or documentation supporting this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and correct or delete any inaccurate or unverifiable information. Additionally, pursuant to 15 U.S.C. 1681i, all disputed information must be properly reinvestigated. This account appears to be reported in violation of these requirements. I am requesting a full investigation and demanding immediate deletion if the furnisher can not provide competent evidence of the debt, including proof of ownership, the original signed agreement, and a complete account history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Summary Citibank has admitted fault in handling my new account. Supervisors confirmed that the verification letter tied to my fraudblocked account was sent to the wrong address a previous address pulled from public records, not the correct address I provided on my state ID and account application ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ). Despite acknowledging this error, Citibank refused to resend the letter to the proper address or provide an alternative verification method, citing protocol. This failure is entirely Citibanks responsibility. I have complied fully with all requirements, presented multiple forms of identification, and deposited a government Social Security backpay check. There is no fraud, no customer error, only Citibanks mishandling. Key Failures Teller error at account opening ( phone number not properly recorded ). Fraud block triggered despite government check deposit. Contradictory information : letter allegedly mailed XX/XX/XXXX, later claimed XX/XX/XXXX. Supervisor admitted letter was misdirected to wrong address, revealed only after repeated delays. Refusal to use my registered phone number ( XXXX XXXX ) for verification. Repeated scripted responses : wait for the letter or well send another letter. No resolution after 15+ business days. Documented Harm Funds frozen, forcing me to borrow money. Medication delayed due to financial hardship. Business operations in XXXX disrupted. Travel plans blocked. Demand for Fair Resolution I am demanding immediate resolution. Either : 1. My account is released without further delay, or 2. A verification letter is sent overnight express to my correct address. I will not accept further delays of 510 business days or scripted offers to send another letter. Citibank has admitted fault, and the burden of correction lies with the bank. If this matter is resolved immediately by tomorrow I will withdraw my funds and close my account, ending my relationship with Citibank. If not, I will escalate to the CFPB, OCC, and the New York Attorney General, and pursue damages for financial and health harm caused by Citibanks obstruction. Conclusion : Citibanks reliance on flawed protocols and scripted stall tactics has caused me significant harm. This is no longer a matter of fraud prevention it is a matter of Citibanks negligence and refusal to act in good faith. I demand immediate resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: CO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from XXXX. At signing, XXXX took my paidoff tradein ( worth {$3000.00} ) but allowed only {$1800.00} and rolled the {$1200.00} difference into the new loan without explaining. The vehicle had an active check engine light on the lot ; I immediately had to pay out of pocket to pass emissions. Within the first year, the vehicle required three transmission replacements, each under XXXX warranty. Total time out of service exceeded 60 days. XXXX acknowledged the ongoing problems via email and offered to cover two payments as a courtesy. On XX/XX/XXXX, XXXX own approved shop diagnosed failed CV axle, catalytic converter, and motor mount. XXXX reviewed the diagnosis and declined to make the repairs ( repair order shows X Declined ). Before the diagnosis, XXXX had offered {$3900.00} to settle. I rejected that and proposed {$5000.00} with full credit deletion. After their own shop confirmed the defects, XXXX refused my counteroffer and instead changed its offer to a Satisfaction of Debt that would take the vehicle but leave my credit damaged. While this dispute was active, XXXX reported me delinquent to credit bureaus without noting the account was disputed, a violation of federal law. XXXX has a XXXX CFPB consent order for a {$6.00} XXXX penalty for identical creditreporting misconduct affecting over 84,000 customers. I filed a complaint with the XXXX XXXX XXXX, but XXXX provided false or misleading information in its response. I repeatedly asked XXXX in writing to unwind the transactionrefund my down payment and tradein value, delete negative credit reporting, and close the account with XXXX balance. XXXX refused, offering only the Satisfaction of Debt. All evidence ( diagnostic reports, repair orders, emails, XXXX response, and the XXXX CFPB order ) is available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am disputing XXXX denial of my claim. Throughout all of 2025, my husband had me under duress and coercive control. He controlled my daily life and had access to and used my phone, bank accounts, cards, and financial information. In XX/XX/year>, he then tried to kill me. I have documentation supporting this, including records of his arrest, the restraining order, and other legal documents. Despite my providing legal evidence showing the abuse, coercion, and lack of true consent or control over these transactions, XXXX denied my claim. I am requesting that XXXX immediately reopen and reconsider this matter in light of the documented domestic violence, coercion, and financial abuse involved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint regarding fraud involving peer-to-peer payments through Chime. I was deceived into sending payments totaling {$450.00} ( the first was {$190.00} and the following day in the amount of {$260.00} ) to individuals on Chime who claimed they were selling fashion accessories. After the payments were sent, the seller refused to provide tracking information and demanded an additional {$100.00} to release the shipment. They stated that if I did not send more money, I would lose my original payments and no merchandise would be delivered. The scammer used multiple different Chime accounts to request funds, which is a clear indicator of fraudulent activity. No goods were ever delivered. These transactions were not legitimate purchases but were induced through deception and fraud. Under the Electronic Fund Transfer Act ( Regulation E ), this constitutes an error because the transfers were authorized under false pretenses. I reported this to Chime, but they denied my claim stating the transactions were authorized peer-to-peer payments. This response fails to account for the fraudulent inducement and the use of multiple accounts. I am requesting that Chime reopen the investigation, properly classify this as fraud, and reimburse the lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding a domestic wire transfer return discrepancy involving Wells Fargo as the receiving bank. A domestic wire transfer was sent from XXXX XXXX XXXX ( XXXX ) to Wells Fargo on XX/XX/XXXX. Wells Fargo acknowledged receipt of the wire on XX/XX/XXXX and advised that the wire was rejected and returned. However, XXXX has not received the returned funds, and no settlement or credit has occurred. XXXX sent formal interbank requests to Wells Fargo on XX/XX/XXXX and again on XX/XX/XXXX requesting confirmation of the return, but Wells Fargo has not responded to XXXX. When I contacted Wells Fargo directly, I was informed that the funds had been returned. However, Wells Fargo stated that because I am not a Wells Fargo customer, they can not verify my identity and can not provide any return confirmation details, such as the return date, XXXX reference number, or intermediary bank information. As a result, neither I nor the sending bank can locate the funds. At this point, there is a documented discrepancy : Wells Fargo states the wire was returned XXXX has not received the funds and has no confirmation of the return I am requesting that Wells Fargo conduct a formal review through Wire Operations and provide return confirmation details directly to XXXX, including : the date and method of the return the XXXX or other wire reference number identification of any intermediary bank involved The lack of response to the sending bank and the inability to reconcile the return have left the funds unaccounted for.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
What happened : On XX/XX/year>, I received a notification from Cash App indicating a login from a new Android device near Texas. I immediately reported within the app that this was NOT me and that the login was unauthorized. Despite clearly reporting this as fraudulent activity, Cash App failed to secure my account or prevent further transactions. Following my report, an unauthorized party continued to access my account and initiate a series of transactions over multiple days. Between XX/XX/year> and XX/XX/year>, numerous unauthorized transactions were processed through my Cash App account and funded directly from my linked XXXX XXXX checking account. These transactions followed a clear and repetitive fraud pattern : Funds were repeatedly added from my XXXX XXXX account ( typically in increments of {$100.00} {$200.00} ) The funds were immediately used to purchase Bitcoin within Cash App The XXXX was then withdrawn This cycle occurred dozens of times within a short period, often multiple times per day, which is highly unusual and indicative of fraudulent activity. Based on my XXXX XXXX account records, the total amount of unauthorized withdrawals is {$2400.00}. Examples of unauthorized transactions include ( but are not limited to ) : XX/XX/year> : Initial unauthorized transfers begin following deposit of {$2400.00} XXXX XXXX XXXX XXXX Repeated {$100.00} transactions ( dozens of charges labeled Cash App XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Continued rapid transactions ranging from {$100.00} {$200.00} per transfer These transactions occurred in rapid succession and in high volume, which should have triggered fraud detection systems. Additionally, after I reported the unauthorized access and transactions on XX/XX/year>, fraudulent activity continued. Most notably, an additional unauthorized transaction of {$190.00} occurred on XX/XX/year>, after I had already taken the steps to secure my account. This demonstrates that Cash App failed to properly secure my account and prevent further unauthorized access after being notified numerous times at this point. It reflects a huge failure in fraud prevention and monitoring, as the activity continued despite clear indicators of unauthorized use and reporting of that lack of authorization. Cash App failed to : Secure my account after I reported unauthorized access Block or flag ongoing fraudulent transactions Prevent repeated XXXX purchases and withdrawals under suspicious conditions This activity continued even after I explicitly denied the login attempt and reported fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital one blames me for a XXXX XXXX account l don't own it stop my ability to use my credit card l told them many times l don't have a XXXX XXXX account l don't understand why they don't get the point they don't care about the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: OH

Complaint narrative:
On XXXX XXXX I wrote the payment checks to Sallie Mae. Upon receiving my bank statement it shows said check was cashed on XXXX. XXXX. When I opened the payment statement for said loan, it shows that I missed last month 's payment. Not sure how they can say I didn't pay when they cashed the check. I write twice on each check for which loan it to be paid and apparently they are still doing whatever they want with my money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TX

Complaint narrative:
In XXXX, my property taxes went up, causing my monthly mortgage payment to increase and my expenses to change drastically, leaving me with little wiggle room for emergencies. In XX/XX/XXXX, my washing machine flooded my townhome, causing me to pay out of pocket for the repairs. This caused a ripple effect and I shortly fell behind on my mortgage loan. I proactively applied for a short sale to avoid extreme delinquency and thus a possible foreclosure. My agent listed my home in XXXX, I accepted an offer in XXXX for {$180000.00}, my loan servicer ordered a BPO valuation shortly thereafter and the value came in at {$190000.00}. On XX/XX/XXXX, the underwriter in the loss mitigation department of Loancare, XXXX XXXX, countered at a minimum net of {$160000.00}, for which a week later, my agent responded with a preliminary settlement statement and all required documents that exceeded that net amount. On XX/XX/XXXX, the underwriter responded that the offer was declined because the second level investor decided they wanted the full amount of {$190000.00}. When my agent responded advising that was not what the initial email countered at, the underwriter then responded that the decision to decline was due to my income, which again, was never mentioned on the initial counter, or the second counter email. None of the emails stated that the initial minimum net of {$160000.00} was voided, so the amount should still be valid. So now, in good faith, my agent has provided the minimum net requested to the title company, buyer agent, and myself. This has caused the buyer to spend money on an appraisal, inspection, etc in preparation for closing based on what was said by Loancare in writing, which now creates distrust for all parties.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: KY

Complaint narrative:
Iam disputing this alleged debt and have requested validation under the fair debt collection practices avt ( 15 U.S.C 1692g ) the company has not provided sufficient validation including original creditor documentation, chain od title, or proof of authority to collect. I requested that collection activity cease and the account be fully investigated and removed if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
I am filing a complaint regarding my mortgage servicers failure to properly remit escrowed property taxes. I purchased a property in XXXX XXXX, South Carolina at the end of XX/XX/XXXX. At closing, the full amount of the property taxes was collected from me and placed into escrow with the understanding that the mortgage servicer would pay the taxes on my behalf. I was later informed by the servicer that the taxes were paid on XX/XX/XXXX, in the correct amount. However, after contacting the XXXX XXXX tax office, I was informed that : The taxes are still showing as unpaid There is no record of payment being received There has been no communication from the mortgage servicer regarding this payment Beginning in late XX/XX/XXXX, I made multiple attempts to resolve this issue with the mortgage servicer. Since my initial inquiry, I have had three separate conversations via chat with the general support team, and each time I was told the issue was being escalated internally. On my final attempt, I spoke directly with a manager who assured me the issue would be fully resolved by the end of the business day on XX/XX/XXXX. This commitment was not met. Following that conversation, I sent three follow-up emails directly to that manager and received no response. In addition, I sent two escalation emails copying multiple departments within the company, including their tax service team, and received no response or action. I also submitted a written request asking for : Proof of payment ( such as a check copy or wire confirmation ) Details on how the payment was made ( check or electronic transfer ) Information regarding any third-party tax service provider used As of today, I have not received any documentation verifying that payment was made. This issue is time-sensitive, as the property taxes remain unpaid and could result in penalties or a tax lien, despite the funds already being collected from me through escrow. The servicers failure to provide documentation, follow through on stated resolutions, or respond to multiple escalation attempts raises serious concerns about the handling of escrow funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I disputed a {$260.00} charge from XXXX XXXX originating in or around XX/XX/year> on the basis of billing accuracy and lack of substantiation. The charge was allegedly based on approximately 12.2 GB of data usage, which was rounded and billed as 13 GB without clear or consistent methodology. I submitted written disputes to Wells Fargo and the merchant requesting documentation supporting the charge. Specifically, I requested all documentation relied upon in the investigation, all merchant-provided evidence, and a clear written explanation of the basis for the determination. XXXX XXXX confirmed they do not provide itemized usage records or session-level data and could not provide sufficient detail to verify the charge. Wells Fargo denied the dispute but failed to provide any documentation or evidence supporting its determination. Despite multiple written requests, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, Wells Fargo did not provide the requested information. Instead, Wells Fargo repeatedly issued automated responses stating they are unable to respond to claim inquiries via email and directed all communication to telephone contact. This prevented meaningful review of the decision and eliminated the ability to maintain an accurate written record.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 explanation