vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
XX/XX/XXXX Attempted to deposit {$890.00} cash into my USAA checking account, using a XXXX owned ATM, located at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, UT XXXX. All cash eaten at third attempt. 
XX/XX/XXXX talked with bank tellers at XXXX physical branch associated with ATM, they filed a complaint with corporate about the ATM, said maybe I needed to also complain to USAA. 
XX/XX/XXXX XXXX tellers told me I needed to file dispute with USAA, they couldnt help me. Called USAA and filed a dispute. 
XX/XX/XXXX USAA responds to ATM Kiosk Dispute We dont have any record of the deposit attempt ; therefore, were unable to further assist with the deposit dispute XX/XX/XXXX Talked with XXXX XXXX then talked with USAA asking them to reopen dispute XX/XX/XXXX USAA sent me a Response to Request for Documentation After reviewing all internal records and relevant information for the dispute, USAA does not have dispute rights on non-USAA owned terminals XX/XX/XXXX three way call with USAA and XXXX discussed ways that USAA needed to file dispute for money to be sent to my account. XXXX fraud specialist gave USAA a direct line for USAA fraud specialists to call them. USAA fraud specialists aren't available via phone. 
XX/XX/XXXX USAA letter Debit Card Dispute Settled USAA does not have dispute rights on XXXX owned terminals. USAA is unable to further assists on this deposit made at external bank 's ATM XX/XX/XXXX called XXXX. They are unable to take care of this dispute internally, the only way for them to even look at the data is if USAA initiates the process. Called CFPB. CFPB said probably XXXX problem, but I could complain about both banks.

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 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company refused to provide information regarding accounts closer are return funds to no proper notice are notified. Capital one stolen funds from account didn't give a reason why funds were held to accounts my account was closed on XXXX XXXX without a notice I filed a recent claimed regarding my package rock auto parts wasn't received from one merchant and another merchant due to XXXX regarding them charging my account after I cancel the subscription with the merchant I was still charged fees. Since than capital hasn't been notified me regarding this not even mail are anything they refuse to give explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: LA

Complaint narrative:
I received a virtual prepaid card as part of a class action settlement on XX/XX/year>. The card number is attached in the complain. The card would constantly decline, then it stopped working altogether. I requested the company to transfer the remaining funds to my XXXX account, but they never did. After filing a XXXX complaint, the company closed the card and kept the balance. They are claiming that I requested for the card to be blocked, which is not true. I requested for the unused balance to be sent to my XXXX account, not for them to block access to my remaining funds and keep it. They are refusing to let me know what happened to my remaining funds ; instead, they are telling me to contact the class action administrator. Blackhawk has the remainder of my money and I would like it released back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: AL

Complaint narrative:
Three fraudulent debit card transactions totaling approximately {$15000.00} were posted to our checking account ( specified below ). The merchant was identified as two international entities located in XXXX. Neither I nor my spouse authorized, participated in, or benefited from these transactions. 

Upon discovering the transactions, my spouse and I immediately contacted Wells Fargo to report the activity as unauthorized. We called on XX/XX/year>, to report the {$10000.00} transaction from XXXX XXXX XXXX, {$1300.00} and {$2200.00} transactions from XXXX XXXX XXXX XXXX that were all posted on XX/XX/year>. 

The transactions were unauthorized They were reported promptly They were international and completely atypical of transactions with our debit card Wells Fargo opened a fraud investigation, cancelled the compromised debit card, and issued a replacement debit card -- all at our request. 

In response to the incident, my spouse and I : - Filed an identity theft report with IdentityTheft.gov ; - Filed a local police report ; - Cancelled and reissued all Wells Fargo debit and credit cards ; - Closed the affected checking and savings accounts and transferred funds to new accounts with new account numbers ; and - Took steps to secure online access and credentials. 

We received a written determination from Wells Fargo dated the next day, XX/XX/year>, stating that reimbursement was denied. The stated reasons were : - The debit card was in my possession at the time of the transactions - My shipping address had not changed - No card present transactions were attempted after these three transactions. 

No documentation demonstrating my authorization of the transactions was provided. 

We appealed this determination and the review was elevated to the XXXX XXXX XXXX XXXX. We received a further letter from this office dated XX/XX/year>, affirming the denial of reimbursement and restating the same reasons for their decision. No additional information supporting this determination has been provided. 

As of the date of this complaint, Wells Fargo has not provided documentation demonstrating that I authorized the transactions or identifying any affirmative act showing my consent, as required under the Electronic Fund Transfer Act and Regulation E.

Due to the denial of reimbursement and lack of evidence establishing authorization, I am submitting this complaint to request regulatory review and a reinvestigation consistent with federal law.

In summary, Wells Fargos denial relied on possession of the card rather than evidence of authorization. I am requesting reimbursement and confirmation of compliance with Regulation E.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Around XX/XX/XXXX Amex suspended all of my credit cards and requested documents from me to go through a financial review. I provided all the requested documents on the same day and followed up with amex multiple times on the status of the review, as I need these cards for my upcoming spending and travel needs for XXXX and XXXX. I also needed to use some of these benefits, such aXXXX XXXX XXXXXXXX XXXX, streaming services, XXXX XXXX, XXXX XXXX, XXXX XXXX credits, making XXXX XXXX bookings, etc., all of which are just some of the perks why I am paying the annual fees on the cards. 
The accounts ' financial review were completed around XX/XX/XXXX. 

I contacted Amex requesting a refund for the trouble, and was unable to use something which was paid for. It was denied by the agent who claimed the cards had always been active. 

Have been a loyal amex customer for almost 10 years, I am requesting amex to refund the annual fees due to the following reasons : I was unable to use the cards during the peak holiday travel season, despite having paid annual fees for benefits specifically marketed for travel use. 

My travel plans were significantly disrupted because I could not use some of the benefits attached to the cards. These benefits were a core reason why I obtained and maintained these products. 

I was unable to redeem or utilize time-sensitive statement credits associated with these cards, including hotel credits, XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX and other benefits tied to calendar deadlines. 

American Express did not provide timely communication, transparency on the process, or a reasonable timeline for resolution. I received no proactive status updates during the suspension period. Each time I called American, I had been told that the review will be done the next day, which took over a month in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-12-30 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: CA

Complaint narrative:
I am submitting this complaint regarding Cash Apps repeated and improper denial of my disputes involving unauthorized electronic fund transfers, in violation of Regulation E ( 12 CFR 1005 ). 

On XX/XX/year>, funds were withdrawn from my Cash App account without my authorization in connection with multiple transactions to the merchant XXXX. I did not authorize these transfers, did not make these purchases, and did not receive the merchandise associated with them. The total amount of the unauthorized withdrawals was approximately {$630.00}. 

After discovering the unauthorized activity, I timely reported the transactions to Cash App and initiated disputes in accordance with Regulation E. Despite this, Cash App denied my disputes multiple times and issued written denial letters dated between XX/XX/year> and XX/XX/year>. 

Each denial letter contains materially identical, boilerplate language asserting that the transactions were authorized because they were initiated by a device in my possession. Cash App did not provide any evidence demonstrating authorization as required under Regulation E.

Specifically, Cash App failed to provide proof of affirmative consumer authorization ; evidence of customer authentication ( PIN entry, biometric verification, passcode, or multi-factor authentication ) ; merchant delivery confirmation or proof of receipt ; IP address or device-level forensic evidence ; or any documentation linking me personally to the disputed transactions beyond unsupported assertions. 

Under Regulation E, device possession alone does not constitute authorization. The burden of proof rests with the financial institution to demonstrate that an electronic fund transfer was authorized. Cash App failed to meet this burden.

The issuance of multiple, near-identical form letters by different representatives, without individualized analysis or evidentiary support, demonstrates a failure to conduct a reasonable investigation as required by 12 CFR 1005.11. Cash Apps conduct reflects a systemic practice of denying disputes without substantiation rather than a good-faith error-resolution process. 

I also requested the documentation Cash App relied upon in reaching its determinations. The documents provided do not contain evidence of authorization and do not satisfy Regulation Es investigative requirements.

Additionally, Cash App failed to provide provisional ( temporary ) credit during the investigation of the disputed transactions, as required under Regulation E ( 12 CFR 1005.11 ). Despite timely notice of unauthorized electronic fund transfers, Cash App did not provisionally re-credit my account within the required timefram
e and instead left me without access to the disputed funds while issuing repeated denial letters. This constitutes an additional violation of Regulation Es error-resolution requirements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding the way this collection agency is reporting an alleged debt on my consumer credit report. 

This account is being reported without proper verification and contains inaccurate and/or unsubstantiated information. I previously disputed this account and requested validation, yet the collection agency continues to report the account without providing documentation showing that the debt is accurate, that they have legal authority to collect, or that the information being furnished is complete and correct. 

The continued reporting of this account has negatively impacted my credit profile and does not appear to comply with federal consumer protection requirements.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Village Capital & Investment LLC
State: SC

Complaint narrative:
Home was sold and signed XXXX XXXX. Payoff notice and funds to payoff crossed in mail. We had padded extra money in payoff amount because the bank ( XXXX XXXX in XXXX, XXXX ) would not give over the phone pay off. The bank received the pay off XX/XX/year> but did not apply directly to my account.. They kept charging interest and escrow. The bank would not let me talk to anyone in the payoff department. I had to request another payoff and send more money. I received another notice today for payment on this loan. This is after I called and verified the loan was paid in full on XX/XX/XXXX XXXX I want someone to review my account so I know it was done properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ Data XXXX  Failed to Validate Debt but Continues Reporting On XX/XX/year>, I sent IQ Data XXXX  a written debt validation request regarding a collection account they are reporting on my credit file. The request was mailed via Certified Mail, and I have proof of mailing from USPS ( attached as evidence ).

IQ Data XXXX  never responded and never provided any validation, documentation, or proof that the alleged debt belongs to me or that they have the legal right to collect it.

Despite failing to validate the debt, they continue reporting the account to the credit bureaus. This violates both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Violations : FDCPA 809 ( b ) ( 15 U.S.C. 1692g ) A debt collector must cease collection activity until they provide validation. IQ Data continued reporting the debt without validating it.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information that is not verified or can not be substantiated.

FCRA 611 Credit bureaus can not report unverified information.

What I am requesting : I respectfully request that the CFPB : 1. Investigate IQ Data XXXX  failure to validate the alleged debt. 
2. Require the company to remove the unverified account from all credit bureaus if they can not provide full validation.

3. Ensure they cease all collection activity, including reporting, unless proper validation is supplied.

Evidence I am attaching : USPS certified mail receipt ( sent XX/XX/year> ) My original written debt validation request My follow-up letter My credit report showing IQ Datas continued reporting Thank you for your assistance. I am requesting support in enforcing my rights under FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
So there wasn't really an option for my issue. I have received my notifications of payment due but have not financially been able to pay the balance due. I do not have automatic payments set up. I have not authorized any payments to Goldman Sachs for balance owed. On 2 different occasions they have submitted to my bank for payment of balance owed and sent me an email stating that I authorized it. I certainly did not. When I call them to stop the payment they tell me they can't. I had to open a fraud case with the bank last time and looks like I'm doing it again. I realize I owe them money but they have no right to just make a balance payment without my permission. They then tell me they cant give me tracking number or reference number for my call to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have tried 20 times to redeem my rewards and work it out with the company. The rewards are impossible to redeem and the company refuses to address the issue. This is my third complaint. This is fraudulent malpractice by Synchrony Bank, something they've been doing for years according to message boards across the internet.

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