vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
My auto loan was reported as late despite the payment being made before XXXX days delinquent. This was in XX/XX/year>. The lender failed to properly post my payment, even though I have proof that it was submitted on time. 

I was informed that payments are not reported as late unless they exceed XXXX days delinquent, which did not occur in this case. The incorrect reporting resulted from the lenders internal processing error. 

I am requesting verification of how my payment was processed and why it was not properly credited before being reported as late. 

I am requesting immediate removal of the inaccurate late payment, correction of my credit reporting, written confirmation of the correction, and appropriate financial compensation for credit harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/year>, I wired {$2000.00} to a family member in financial crisis. I went to my nearest XXXX to send the funds through Moneygram, which the funds should have been ready for pickup within XXXX mins. Moneygram would not release the funds. No reason was given. I called the customer service number numerous times to no avail. On XX/XX/year>, I returned to XXXX in which the XXXX employee attempted to refund the funds. Using the code on my receipt, it stated the funds were tendered. XXXX called Moneygram and was told someone would call me ( the sender ) in XXXX days, again no reason was given why moneygram wouldn't release the funds. I then called the police to report the money stolen. After talking to the police officers, I again called Moneygram & again was told someone would call me within a couple of days. Feeling defeated, I was about to leave XXXX after being there over XXXXhrs trying to get my money back, Moneygram called my personal phone to inform me my refund would be available for pickup at XXXX where I originally sent it from. Moneygram caused a serious financial situation to become worse by holding onto the funds without an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Back in XX/XX/XXXX of 2025, I sent a {$2600.00} deposit to XXXX XXXX XXXX XXXX, a company claiming to be cross country movers. They claimed that the total move would total up to {$5800.00} and demanded a {$2600.00}. They pressured us into making the deal within XXXX hours and only gave us XXXX days to request a refund for the deposit ( which I've never heard of any companies doing ). Since it was the best price at the time, I sent the deposit of {$2600.00} to them. XXXX days before my move date, they revised the estimate to be a grand total of {$7400.00} and pressured us to make an extra deposit of {$1000.00}. I started to look into the company and realized how predatory their practices are. There are multiple accounts of people paying a premium for the move only for their stuff to be mishandled and then held hostage by the end of the move. Ultimately, we decided to use another company since XXXX XXXX was so predatory and deceptive with their practices. We managed to get the deposit of {$1000.00} back from them, but they are holding my other deposit of {$2600.00} XXXX. 

I attempted to resolve this issue by both contacting XXXX XXXX XXXX and disputing it through Chase. XXXX XXXX XXXX ignored me and Chase denied my dispute twice. The first time around, they filed this under " I returned or canceled this purchase, but haven't been credited, '' which is is not an accurate representation of this issue. It took them XXXX months to review the case only to deny it after the XXXX months. After they denied it the first time, they had me fax a letter requesting the reopening of the dispute. I reopened the dispute with the following information : - They claimed to be the actual movers - They pressured me into paying a deposit - They hiked the price on us days before the move date, knowing full well that we have no other choice but to give into their demands - They were very rude and became unresponsive after we canceled their services - People who have used them in the past described them as predatory and deceptive My XXXX attempt to dispute was denied in XXXX days. I feel like they glanced at the case, ignored the evidence, and then tossed the case entirely. As a long time customer with Chase I was very disappointed at their lack of action towards this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
b'I am filing this complaint regarding Wells Fargo Card Services continued furnishing of an old derogatory tradeline as shown at the bottom that I have formally disputed.\n\nDespite multiple disputes, Wells Fargo continues to report historical late payments without providing any documentation substantiating their accuracy. Wells Fargo has not provided billing statements, proof of the alleged late dates, the date of first delinquency, or evidence demonstrating how the information remains accurate.\n\nUnder the Fair Credit Reporting Act (FCRA 623(b)), once a dispute is received, a furnisher must conduct a reasonable investigation and correct or delete information that cannot be verified. Wells Fargo has failed to meet this obligation.\n\nFurthermore, the credit reporting agencies have issued generic verified responses without explaining the method of verification or the documents reviewed, which indicates Wells Fargo did not provide meaningful verification.\n\nI am requesting that Wells Fargo Card Services:\n1. Immediately instruct XXXX  and XXXX  to delete the derogatory Wells Fargo tradeline; or\n2. Provide full documentary evidence supporting the continued reporting.\n\nI believe Wells Fargo is knowingly furnishing information that cannot be substantiated, which constitutes a violation of the Fair Credit Reporting Act.\n\nWells Fargo Card SerClosed\nWells Fargo Card Ser (Revolving) Accounts - negative accounts - closed - SummaryXXXX XXXX, XXXX, XXXX, XXXX Status\nPays account as agreed\nPaid or paying as agreed\nPaid account/was 30 days past due date\nWorst XXXX days past XXXX days past XXXX XXXX XXXX XXXXYear Payment History\nOlder Derogatory events\nWells Fargo Card Ser (Revolving) Older Derogatory XXXX days XXXX XXXX, XXXX, XXXX days XXXX, XXXX, XXXX days XXXX, XXXX XXXX Fargo Card Ser (Revolving) More XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type\nCharge Account\tCharge Account\tCharge Account\nResponsibility\nIndividual\tIndividual Account\tIndividual\nCompany XXXX Fargo Card XXXX Fargo Card Serv\tWfbna Card\nAccount XXXX XXXX XXXX XXXX - XXXX, MNPhone 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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
On XX/XX/year>, I was attempting to order some XXXX XXXX, I filled out my order and authorized a XXXX payment, which got declined and I said that is absolutely impossible because I had just added XXXX to my card account ending in XXXX, I had made a couple earlier charges that day, when I authorized the transaction PayPal was supposed to use the remaining XXXX that was on their account and the other card as a back up, they took the XXXX first and then XXXX minutes later took another XXXX that I did not authorize, I had XXXX in my other account that is linked to PayPal, now I only had dollar in that account, I had to use XXXX to pay for my order and there is no sign of the XXXX that PayPal stole out of my, there XXXX missing from my account, there is absolutely no telling how long they have been stealing from me and other customers and I want criminal charges filled on PayPal and a civil lawsuit filed in the. Please, I can. Provide you physical evidence that they stole from me tonight and want them closed down immediately and no access to there system before they try burying evidence please act fast please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MA

Complaint narrative:
This complaint is directly related to CFPB Complaint XXXX and must be reviewed together. 

Timeline : XX/XX/XXXX Disputes submitted for unauthorized XXXX  transactions XX/XX/XXXX Cash App marked transactions as approved or denied XX/XX/XXXX XXXX submitted for all denied transactions XX/XX/XXXX Cash App denied approximately XXXX appealed transactions on the same day the appeals were submitted Cash App did not complete any meaningful review of the appeals prior to XX/XX/XXXX. The mass same-day denials occurred on the XXXX business day from the original dispute submission, which is the exact date provisional credit became legally required under Regulation XXXX ( XXXX CFR XXXX ). 

After denying the appeals, Cash App informed the CFPB in Complaint XXXX that it requires up to 60 days to complete its investigation, confirming that the investigation was not completed within the required timeframe and remains ongoing. 

Despite this, Cash App has failed to issue provisional credit as required by law and has not provided any documentation showing that the merchant ( XXXX  ) was contacted, that chargebacks were initiated, or the factual basis for denying the appealed transactions. 

This complaint specifically addresses XXXX XXXX  failure to issue required provisional credit while the investigation remains ongoing, as admitted in CFPB Complaint XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Companies that are reporting on my report has not supplied a debt Validation letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am writing to request a formal review and recalculation of my escrow account projections for the upcoming XXXX escrow cycle. 




Currently, my projected escrow expenses total {$4300.00}, while the itemized projected disbursements shown in my account consist of only : - Homeowners insurance : {$1700.00} ( projected XX/XX/year> ) - Property taxes : {$680.00} ( projected XX/XX/year> ) - Property taxes : {$680.00} ( projected XX/XX/year> ) This totals {$3100.00}, leaving an apparent overestimation of about {$1200.00}. I am requesting verification of how the {$4300.00} figure was calculated and a recalculation based on my actual known tax and insurance amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/year>, we were provided with a Loan Estimate that included a credit of {$35000.00}. That Loan Estimate was rate-locked and was the basis on which we agreed to move forward with Rocket Mortgage instead of another lender. At the time, we had been actively requesting that Rocket Mortgage transfer a home appraisal to the other lender beginning on XX/XX/XXXX, prompting the XXXX banker for Rocket Mortgage to counteroffer ; the credit offered was the deciding factor in our selection of Rocket. We reasonably relied on the accuracy of this disclosure, particularly given that it appeared on multiple Loan Estimates provided prior to XX/XX/XXXX. 

On XX/XX/XXXX, we were informed that the credit would not be honored, despite there being no valid change of circumstance under the TILA-RESPA XXXX XXXX ( XXXX ) framework, nor any change attributable to borrower action. Following this, we discussed the matter extensively with the XXXX banker as well as his senior XXXX. They attributed the credit to an error and escalated the issue internally, but no resolution was reached. Rocket Mortgage was unable to identify or document any valid XXXX in XXXX under XXXX. 

Ultimately, the Closing XXXX we received on XX/XX/XXXX reflected that the additional credit had been reduced to {$420.00}, increasing our cash to close by {$34000.00} relative to the locked Loan Estimate. Because this rescission occurred late in the transaction, past our loan contingency period, declining to close would have placed my purchase contract and earnest-money deposit at risk and jeopardized my ability to complete the home purchase. Under those circumstances, we had no realistic alternative but to proceed with closing under materially different financial terms than those originally offered and relied upon. Post-closing, Rocket Mortgage has continued to assert that the rules of XXXX do not apply, undermining its purpose to protect consumers. 

As the attached lock-rated and agreed upon Loan Estimate ( which includes the credit of {$35000.00} ) was the basis for our choosing Rocket Mortgage over a competitor, we believe the unjustified rescission of the credit qualifies as deceptive practice and bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: TX

Complaint narrative:
I am writing to formally dispute accounts that are currently being reported on my credit file which I did not knowingly open, authorize, or agree to. 
I share the same name as my father, which has caused confusion and overlap in credit reporting. While I was a minor and young adult, my father managed financial matters for our household. I did not have a full understanding of credit at the time, nor did I consent to being held financially responsible for certain accounts now appearing on my credit report. 
Following my fathers deportation, my family experienced severe financial hardship. During this period, credit was used to cover essential living expenses. However, I was not aware that these obligations would be attributed to me personally, and I never intended for this debt to be placed under my credit profile. 
I am currently barely XXXX XXXX XXXX and am now being contacted by collection agencies regarding debts I did not knowingly assume. I respectfully request that you investigate this matter, verify the ownership of these accounts, and remove any inaccurate or improperly attributed information from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XXXX  has failed to meaningfully engage in a constructive or responsive manner even after XXXX assertions were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: TX

Complaint narrative:
I have used Abound money transfer app to sent international remittance to XXXX on XXXX XX/XX/year>.. The seller account did not receive the funds as promised and I reached out to Abound regarding the status as they have failed to to deliver an international remittance amount after debiting funds from my XXXXXXXX XXXX XXXXXXXX have reached multiple times on XXXX messaging as well for checking on status Transaction details : Service Provider : Abound ( Money Transfer Abound URL - www.joinabound.com Abound Support email : XXXX Abound XXXX : XXXX : XXXX? XXXX Transaction Type : XXXX to XXXX remittance XXXX : {$9400.00} + {$1.00} ( fees ) Date of Debit : XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Unauthorized activity occurred on my account, including an attempted XXXX XXXX provisioning that I did not initiate. On XX/XX/year>, I received an accountservicing email from Synchrony stating that I was XXXX step away from using XXXX XXXX and instructing me to finish setting up my PayPal Credit Card in XXXX XXXX. I did not attempt to add this card to XXXX XXXX, and no one else was authorized to do so. This email confirms that a digitalwallet provisioning workflow was triggered without my authorization. 
I reported the unauthorized activity to the company and requested the full investigation details, including device information, IP logs, authentication logs, tokenization metadata, and any records of attempted or completed wallet provisioning. I also requested the evidence the company relied on to claim the activity was authorized. The company did not provide this information and did not explain how the provisioning attempt occurred. 
The companys responses have been incomplete and contradictory, and they have not provided the documentation required to determine whether proper authentication occurred. I am requesting that the company acknowledge the unauthorized activity, provide the complete investigation records, remove any liability assigned to me, and ensure no negative credit reporting occurs as a result of this incident.

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 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: GA

Complaint narrative:
My checking account has been restricted since XX/XX/XXXX. XXXX credit of {$490.00} was issued on XX/XX/XXXX, in connection with an unauthorized electronic fund transfer dispute. 
Since the restriction began, I have contacted the bank multiple times seeking clarification and written notice regarding the account restriction, its status, and a timeline for resolution. 
On XX/XX/XXXX, I spoke with XXXX XXXX, Customer Service, who confirmed that the restriction was due to a disputed transaction from XX/XX/XXXX. XXXX XXXX stated that nothing was required from me, that she could not explain the reason for the restriction, and that no written documentation would be provided. 
On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, who stated that : I did not need to submit anything There was no timeline for resolution No explanation would be provided for the restrictions No written communication or notification would be provided regarding the provisional credit or restriction XXXX XXXX also stated that, because this is a self-managed account, the bank does not provide written communications regarding provisional credit or account restrictions. 
On the same day, I spoke with XXXX XXXX, Supervisor, Customer Service, who confirmed the restriction remained in place but could not provide any written explanation or timeline for resolution. 
Despite repeated requests, the bank has refused to provide written notice explaining the nature of the restriction, its duration, or the steps required for resolution, while continuing to restrict my access to funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I opened a Dell Pay Account through Commenity Bank now part of Bread Financial. I later canceled the order ( with the intention of purchasing again ) about a month ago, however, my balance still shows the full amount and I have no been provided an account number, access to the account, or any way to view or pay the account in any way. When I called Dell Pay to request an account number the operator became belligerent and yelled/screamed at me before I was transferred to the supervisor. The supervisor refused to give me my account number or update my balance so I still show a balance with no way to view, update, pay or dispute that balance. I have been defrauded by Dell Pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I went to wellsfsrgp to try ope. Up an account and they said that I already had two accounts opened with them XXXX  I said no I didn'tXXXX  so I was told to call the fraud department and they were no help at all XXXX im still stuck in limbo they haven't come up with a suction I haven't even heard back from. ThemXXXX

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