vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 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: Block, Inc.
State: FL

Complaint narrative:
Complaint : I am unable to access funds held in my Cash App account, and the company has failed to provide a reasonable method to recover or withdraw them. My original account became inaccessible because it was tied to a college email address that has since been deactivated. Cash App support has stated that the account can not be recovered. However, both my old account and my current account are verified under the same Social Security Number, and I am fully able and willing to verify my identity through alternative means. Cash App has confirmed that funds remain in the inaccessible account ( over {$300.00}, estimated approximately {$370.00} ), but they have refused to : Transfer the funds to my current account Provide temporary access Issue a withdrawal via bank transfer or check This situation has been ongoing for over XXXX month despite repeated attempts to resolve it through support. The company is holding my funds without providing any reasonable method for me, as the verified account holder, to access or withdraw them. I am requesting that Cash App : Allow me to verify my identity through alternative documentation ( Again ) and Release my remaining balance via transfer or other withdrawal method. I can provide identification and documentation proving ownership of the account and funds upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX, US DEPT ED - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
I am disputing a debt placed in collections by Credence Resource Management related to my XXXX XXXX account ( Account No. XXXX, line ending in XXXX ). I believe this debt is incorrect and resulted from an XXXX error. My account was always in good standing with all payments made on time. From XX/XX/XXXX through XXXX XXXX, my line received a $ 40 monthly promotional credit that fully covered the service cost. On XX/XX/XXXX, I contacted XXXX regarding a separate line for a device that was never delivered due to theft ( police report available ). During that call, the agent mistakenly disconnected my active line without my authorization. I did not request cancellation. The unpaid device balance being claimed was also the result of an Xfinity error, not non-payment on my part. I had previously offered to return the device once the issue was identified, but XXXX did not resolve the situation or provide a proper return process. I immediately reported the issue and made multiple follow-up attempts, but XXXX did not resolve it. Instead, an incorrect balance was created and sent to collections. I also want to clarify that I disputed only the taxes related to the stolen device through my bank. This was unrelated to my mobile service charges. I am requesting that my full billing history from XX/XX/XXXX through XX/XX/XXXX be reviewed, which will confirm the promotional credits and my on-time payments. I believe this debt is invalid and request that it be removed from collections and corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX scammed me out of {$4800.00} his address is XXXX XXXX XXXX XXXX XXXX, NH XXXX. XXXX was selling on whatnot app, asked me to direct message him via the app. I had bid on his items. Through the app he asked me to text message him directly at XXXX. I did contact him via text and asked me to arrange a different payment methods for his items I was bidding on. XXXX claimed that the whatnot app took out too many fees. Over the next few days XXXX proceeded to sell me his complete XXXX XXXX. It was a total of XXXX transactions through cashapp totaling {$4800.00}. XXXX now has be blocked, I am unable to contact him. Reported it to cashapp, ftc report number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a complaint regarding Bank of Americas failure to properly execute a stop-payment request on a check issued to the IRS, resulting in a duplicate payment, repeated account reversals, and conflicting information from multiple representatives. On XX/XX/XXXX, I made an online IRS payment in the amount of {$6400.00}, which was successfully processed and cleared. On the same day, a duplicate paper check for the same amount was mistakenly issued and sent to the IRS by my husband, who was unaware the payment had already been completed electronically. Immediately upon discovering this, I contacted Bank of America on the same day to request a stop payment on the check. I was informed that the stop payment had been successfully placed. Despite this, the check later processed and cleared. When I contacted the bank for clarification, I received inconsistent information from multiple representatives regarding the status of the stop payment and the transaction. Following my initial CFPB complaint, Bank of America temporarily credited the funds back to my account. However, this credit was later reversed, and the same amount of {$6400.00} was debited again from my account. I was told this was due to IRS processing or re-presentation of the payment, but I have not received a clear or consistent explanation. Throughout this process, I received conflicting statements from Bank of America representatives, including that : the stop payment was successfully placed the stop payment was applied incorrectly the stop payment was not applied at all and that the IRS electronically processed the payment again As a result, I am experiencing repeated credits and debits for the same transaction without a final resolution. This issue has caused ongoing financial disruption and uncertainty in my account. Most importantly, a prior CFPB complaint resulted in only a temporary credit, which was later reversed without a clear final 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 monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 8 years this is my first bank account in the XXXX, and I have maintained a clean history with no prior monthly service fees or issues. Starting in XX/XX/year>, Wells Fargo began charging me a XXXX XXXX monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The bank unilaterally increased the minimum balance ( previously {$500.00} ) and raised the fee to {$15.00} without providing clear, dedicated notice via mail or email. I only discovered the charges on my statements after they started. The account became dormant and inaccessible via online banking or ATM for a period, preventing me from monitoring the balance or taking action to avoid the fees. Wells Fargo previously issued a partial refund, but continued charging the monthly fee. The total disputed amount is now approximately {$60.00} ( including the latest {$15.00} fee ). I filed a prior CFPB complaint, which Wells Fargo closed stating no new explanation we got other than the previous response. Wells Fargos executive office contacted me regarding case number XXXX. I also spoke with an escalation manager who reviewed the case and stated the bank is firm and will not refund the fees. This appears to be an unfair and deceptive practice : the bank changed fee terms without adequate notice, made the account inaccessible while continuing to assess fees, and has refused a goodwill refund despite my long-term loyalty and the partial refund already issued. I am requesting a full refund of all disputed monthly service fees ( ~ {$60.00} ) as a one-time courtesy. If Wells Fargo continues to refuse, I am prepared to file a claim in small claims court in XXXX XXXX, California, to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing.

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 2026-04-30 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
I am filing a complaint regarding TD Banks handling of fraudulent charges on my Target XXXX XXXX XXXX account. Unauthorized transactions were made on my account for XXXX gift cards purchased online. I did not authorize these purchases, did not receive the gift cards, and did not redeem or use them in any way. At the time of these transactions, my phone and/or account was compromised. Any email confirmations associated with these purchases were the result of unauthorized access and do not constitute authorization. I reported these charges as fraudulent ; however, TD Bank ( Target ) denied my claim and is continuing to hold me responsible. I have been repeatedly redirected between TD Bank and Target Guest Services without a proper fraud investigation being conducted. TD Bank has failed to provide documentation showing that I authorized these transactions or that I accessed or redeemed the gift cards. An email confirmation alone is not proof of authorization. I am formally disputing these charges under the Fair Credit Billing Act and requesting that TD Bank conduct a reasonable investigation as required by law. On XX/XX/year> my phone was hacked. Fraudulent charges were made under my target circle card. The scammer charged XXXX different XXXX gift cards for {$190.00}, {$380.00}, and {$95.00}. I immediately contacted the card services and froze my card and reported the fraudulent activity. Case XXXX. Received letter XX/XX/year> stating gift cards were loaded and activated and non refundable so case closed. I contacted Target that same day restating I did not authorize these purchases, nor did I receive the goods from these purchases, reopened the case # XXXX. Received letter same wording as first letter stating case is closed. Said to contact XXXX. I have no details on the gift cards to contact XXXX. Target said they can not reverse charges as the XXXX XXXX have been redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: CA

Complaint narrative:
Unauthorized transactions and refusal to reimburse funds Complaint : I am filing a complaint against Cash App regarding unauthorized transactions totaling {$1100.00} that were taken from my account. I reported these transactions as unauthorized. Cash App acknowledged that the transactions were not authorized by me. However, they are now refusing to return my funds and are providing conflicting and misleading explanations. In their response, they stated that : * The funds were transferred to my linked bank account ending in XXXXXXXX XXXX Then they also claimed the funds were transferred to my Cash App balance These statements contradict each other. I have carefully reviewed both my bank account and my Cash App balance, and I did not receive these funds in either location. I requested proof of the transfer, including transaction details, but they have not provided clear or sufficient evidence. This situation has caused financial hardship, and I believe Cash App is failing to properly investigate and resolve unauthorized transactions as required. Desired Resolution : I am requesting : * A full refund of {$1100.00} * Documentation proving where the funds were sent * A proper investigation into the unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CO

Complaint narrative:
XXXX XXXX XXXX purchased a XXXX XXXX XXXX XXXX ( XXXX : XXXX ) on XX/XX/XXXX. * * XXXX XXXX, XXXX ( XXXX mi ) : * * Brought to XXXX XXXX with lane assist/front collision unavailable, driver profile error, and instrument cluster restarting while driving. XXXX XXXX XXXX XXXX diagnosed software issues and performed a XXXX update per TSB XXXX. XXXX provided. * * XXXX XXXX, XXXX ( XXXX mi ) : * * Returned to XXXX XXXX reporting rear trunk would not fully close. Service Advisor XXXX XXXX confirmed concern, referenced XXXX XXXX, readjusted hatch bump stops, and re-adapted the latch. Returned same day. * * XXXX. XXXX, XXXX ( XXXX mi ) : * * Returned reporting rear hatch stopping halfway when opening and failing to latch when closing. XXXX referenced XXXX XXXX, performed rear lid electronics basic setting, and adjusted buffers to XXXX XXXX spec . Loaner provided. * * XXXX. XXXX, XXXX ( XXXX mi ) : * * Returned with the same rear hatch concern plus child lock malfunction, adaptive cruise unavailable, traffic sign recognition failure, high beam assist malfunction, MMI privacy settings wipe, and rear wheel loose warning. XXXX confirmed buffers within spec but stated no fix was available and an updated solution was not expected until XXXX XXXX. Child door latch replaced under warranty. Loaner provided. * * XXXX. XXXX, XXXX : * * XXXX XXXX sent written notice to XXXX XXXX at Volkswagen Group of America Customer Relations disputing VWGoA 's denial of his Lemon Law claim, declining a cash settlement, and requesting either a comparable replacement or full purchase price refund per C.R.S. 42-10-103.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: GA

Complaint narrative:
There's 2 years worth of fees taking out of numerous transactions it will take me a while to get all the info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am submitting a follow-up complaint regarding the same issue previously filed under CFPB case number XXXX, which was closed without full resolution.The bank issued only a partial refund of {$35.00} but did not refund the remaining overdraft fees, and I do not agree that this resolves the issue. I was instructed in an overdraft notice to bring my account current by XX/XX/year>. I deposited a check for {$400.00} around XXXX XXXX on that date, before the stated deadline.The bank later stated that a portion of the deposit was placed on hold and that my account was still overdrawn at the end of the day. However, they released {$270.00} from that deposit on XX/XX/XXXX, which was more than sufficient to cover the overdraft balance.The original notice did not clearly disclose that only fully available funds would count toward bringing the account current, nor did it explain that a hold on a deposited check could prevent me from meeting the requirement. I acted in good faith based on the instructions provided. Additionally, the bank described the deposit as having an unusual nature, but did not clearly explain what that meant or provide justification for the hold at the time of deposit.Because the bank accepted my deposit before the deadline and released sufficient funds to cover the overdraft, yet still charged fees based on undisclosed internal hold policies, I believe the remaining overdraft fees were assessed unfairly. I am requesting a full refund of the remaining overdraft fees and a proper review of the banks disclosures and practices.This matter remains unresolved despite the previous complaint

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
Unresolved Pending Transaction ( Excessive Hold ) On XX/XX/year>, I sent a payment of {$70.00} via Cash App to my mother. The transaction was immediately flagged and placed in a pending status for review. As of today, this transaction has remained pending for over 45 business days. During this time : No resolution has been provided No clear explanation has been given for the hold. No actionable steps have been communicated to release the funds. No request for additional verification has been made. This delay far exceeds any reasonable review period for a {$70.00} personal transaction and raises serious concerns regarding funds accessibility and consumer protection compliance. The continued withholding of funds without communication or resolution is unacceptable and may constitute improper handling of customer funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FinCo Services Inc DBA Current
State: TN

Complaint narrative:
XX/XX/year> {$1000.00} was transferred from Current to XXXX with my authorization. I contacted both banks and advised of this error. I disputed with both companies. Current took no responsibility and said the {$1000.00} transfer was legitimate even though I did not authorize. XXXX did claim responsibility but did not issue a refund and instead closed my account and told me I could no longer file a dispute. I have screenshot proof of my conversation with XXXX and them admitting my account was hacked and I did not make the transaction in question.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Re : Notice of Improper Reinsertion of Deleted Student Loan Account I am writing to dispute the reinsertion of a previously deleted account on my credit report. The account in question is a student loan originally reported under XXXX and has now reappeared under Department of educationXXXXAidvantage This account was previously disputed and deleted from my credit report. Its reappearance constitutes a reinsertion under the Fair Credit Reporting Act ( FCRA 611 ( a ) ( 5 ) ( B ) ). Under this law, a credit reporting agency may not reinsert a deleted item unless : 1. The furnisher certifies that the information is complete and accurate, and 2. I am notified in writing within 5 business days of the reinsertion. To date, I have not received any notice of reinsertion as required by law. Therefore, I am requesting the following : Immediate removal of this account from my credit report Documentation of the certification of accuracy provided by the furnisher Proof that proper reinsertion procedures were followed, including the required notification If you are unable to provide this documentation, the account must be deleted in accordance with the FCRA. Please complete your investigation and provide written confirmation of the results, along with an updated copy of my credit report. Thank you for your prompt attention to this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
JPMC-XXXX amount of {$2500.00} possibly more or less. I sent them a letter dated XX/XX/year>.

Company response to consumer: Closed with explanation