vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: Block, Inc.
State: IA

Complaint narrative:
I had a account XXXX app for years. I would simply use iy to send money to my family and to receive. I had charges I didn't recognize and I disputed them. They denied my dispute then I appealed it they denied it as well. They then closed my account said I was fraud ing them cause I had changed my first name. Well I noticed my account was under XXXX XXXX do I thought I should probably use my legal name XXXX so I changed it to XXXX .but that wasn't why I think they did it. I think it was because I argued the dispute. Also with the dispute the charges were even at the same time the same day several clearly it is a scam no one can do that that many ties in the same inute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I discovered XXXX unauthorized transactions on my Wells Fargo account totaling {$1000.00} ( {$96.00} and {$1000.00} ). I did not authorize these transactions, did not know the recipient, and had no involvement in sending these funds. Shortly after these transactions, I also discovered that my account security had been compromised. An unauthorized party accessed my account and changed my authentication phone number without my consent. I had to contact the bank to regain control and restore my correct phone number. This indicates my account was taken over by a third party. The bank initially issued provisional credit for the unauthorized transactions. However, on XX/XX/year>, without prior notice or explanation, Wells Fargo reversed the credited funds and withdrew the money from my account. Additionally, a similar unauthorized incident occurred again shortly after the first XXXX ( with XXXX transaction of {$1000.00} and the second {$190.00} ) involving the same pattern : unauthorized transactions, provisional credit, and then reversal of those funds on XX/XX/year>. As a result of these reversals, my account is now negative {$1700.00}. This has caused immediate and severe financial hardship. I am unable to cover basic living expenses including rent, food, gas, and my car payment. I do not have family support and this situation has left me in a critical position. I contacted Wells Fargo by phone and in person at a branch on XX/XX/year>. I was told there is nothing they can do because the transactions were wire transfers and the funds can not be recovered. I was also told that my claim can not be reopened. I specifically requested documentation showing how these transactions were authorized and how my account information was changed without my consent. The bank refused to provide any supporting evidence or explanation. I am disputing these transactions as unauthorized and the result of an account takeover. I did not authorize any wire transfers, nor did I approve any changes to my account security information. Wells Fargo has failed to provide proof that I authorized these transactions and has not adequately explained how their security procedures allowed an unauthorized party to access my account, change my contact information, and initiate transfers. I am requesting : -A full reinvestigation of these unauthorized transactions -Documentation showing how the transactions and account changes were authorized -Reimbursement of the funds removed from my account -Immediate relief due to financial hardship caused by this situation This matter has caused significant financial and emotional distress, and I am seeking urgent resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX Monday XX/XX/XXXX SEQUIUM ASSET SOLUTIONS Opened XX/XX/year> Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report.I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the XXXX. Thank you for your prompt attention to this matter Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
We were not notified of payment increase. Were on autopay with bank. They did not apply our XXXX payment ( although received ). Never tried to call or contact us. I noticed on credit bureau my score decreased, and found that they had reported us as missing a complete payment as over 30 days past due. It's the only way we were notified of the issue ( not notified by them at all ). Went to the mortgage website and found statements that they did not apply received payments. XXXX statement online shows increase and notice of escrow causing change on same date. But no one ever called us. Then XXXX statement shows they held payment in suspense. But that we owe over {$8000.00}. Left them messages on their website. No response, So, I mailed a certified letter today. Paid the amount owing right away to bring us up to the right amount. We have never missed a payment. Ever... Charged late fees for several months.

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got evicted and have some bad credit history that need take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA

Complaint narrative:
Subject : Complaint Against Virginia Housing Delay in Providing 1098 Tax Forms I am filing a complaint against Virginia Housing regarding an unreasonable delay in receiving my XXXX and XXXX 1098 tax forms. I sent XXXX cashier checks ( {$10.00} each ) as required by Virginia Housing to obtain these documents. The checks were confirmed delivered and received on XX/XX/XXXX, with tracking proof. After contacting Virginia Housing, I was informed that they had just received the payments, despite confirmed delivery days earlier. As of now, my request has not been processed, and I have not received my tax documents. This delay is impacting my ability to file my taxes on time and may result in financial penalties. I am requesting immediate resolution, including : Expedited processing of my 1098 forms Delivery via email or secure online access without further delay I have made reasonable efforts to resolve this directly with Virginia Housing but have not received timely assistance. I am asking the XXXX XXXX XXXX to assist in facilitating a prompt resolution. Sincerely, [ XXXX XXXX XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and/or unverifiable information being reported on my credit report. The account in question ( Navy Federal Credit Union, account ending in XXXX XXXX XXXX XXXX ) is being reported as a charged-off account with a balance of {$3900.00}. I dispute the accuracy and completeness of this account. I am requesting that the creditor and credit reporting agencies provide full verification of this debt, including : A signed agreement or contract bearing my signature A complete payment history Documentation showing how the balance was calculated Proof that the creditor has the legal right to collect this debt Additionally, the account is being reported as Collection / Charge-Off with a monthly payment of {$0.00}, which may be misleading and inaccurate under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Timeline : 1. XX/XX/XXXXXXXX : I notified American Express in writing, 'Please do not process this payment, ' regarding the pending XXXX XXXX. This was within 60 days of the statement. 2. XX/XX/XXXXXXXX : The charge posted for {$510.00} to XXXX despite my notice. 3. XXXX XXXX XXXX : I contacted XXXX at XXXX. I stated : ' I did not authorize the charge. The charge was initially declined. I did not authorize XXXX to resubmit the charges. ' 4. XX/XX/XXXXXXXX : XXXX replied that their review 'confirmed that the related transaction does not involve any fraudulent activity, ' but they failed to answer my direct question : 'Do I have an account? If so, is it under my email or phone? ' They provided no order number, shipping address, IP address, or device ID linking the purchase to me. 5. After my initial dispute, American Express re-posted the charge to my account. I canceled the original card number and was issued replacement ending in XXXX to prevent further misuse. Key facts : I do not have a XXXX account associated with XXXX or my phone number. XXXX has not provided evidence to the contrary. I did not make, authorize, or receive any goods or services from XXXX for {$510.00}. I did not authorize XXXX to re-submit a previously declined charge. Re-presentment without new authorization violates card network rules. This is identity theft/unauthorized use, not a billing error or merchandise dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am an established, long-term member of Digital Federal Credit Union ( DCU ). Between XXXX and XX/XX/year>, I was the victim of a high-precision " XXXX XXXX '' fraud involving the criminal impersonation of the XXXX and XXXX Police XXXX I was held under 24/7 digital surveillance and psychological coercion via XXXX screen-sharing, following a documented data breach at Conduent that exposed my personal details. Under extreme duress, I was coerced into applying for a {$20000.00} personal loan from DCU. As a long-standing member, DCU had a clear baseline of my financial behavior. Despite this, DCU failed its Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) obligations by approving this loana radical departure from my historical financial profileand allowing the funds to be moved immediately to high-risk crypto platforms ( XXXX/XXXX ). Crucially, XXXX XXXX successfully identified the exact same pattern of activity as fraudulent and flagged the red flags immediately. DCU failed to trigger any such alerts or protective measures for an established member. I have filed XXXX Police Report # XXXX and FBI IC3 Report # XXXX. Under Illinois Public Act 103-0421 ( HB 3352 ), this debt is categorized as " Coerced Debt, '' and I am not legally liable for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: RockLoans Holdings LLC
State: IL

Complaint narrative:
Between XXXX and XX/XX/year>, I was the victim of a sophisticated, XXXXXXXX XXXX XXXX and impersonation scam. Perpetrators impersonated the XXXX and XXXX Police, using threats of immediate arrest ( Red Corner Notice ) to coerce me into taking out a personal loan from Rocket loans for {$25000.00} on XX/XX/year>. Despite my primary bank, XXXX XXXX, successfully identifying and flagging these activities as fraudulent, this lender failed to trigger any AML ( Anti-Money Laundering ) or KYC ( Know Your Customer ) alerts. I was a new account holder with no history of such high-risk activity. The lender approved the loan and allowed the funds to be moved under extreme criminal duress. I have filed an XXXX Police Report ( # XXXX ) and an FBI IC3 report ( # XXXX ). Under Illinois Public Act 103-0421 ( HB 3352 ), this debt is recognized as 'Coerced Debt ' and is unenforceable against the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
Qualia Collection Services is reporting a collection account on my credit report in the amount of {$3300.00}, claiming the original creditor is XXXX XXXX XXXX XXXX. This account was assigned to Qualia on or about XX/XX/year>XXXX with a reported first date of delinquency of XX/XX/year>. I have never received any written notice from Qualia Collection Services regarding this alleged debt. I never received the required written validation notice informing me of my right to dispute this debt within 30 days as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is my first formal contact disputing this account. Qualia has not provided any of the following documentation required to validate this debt : - Proof that Qualia Collection Services is licensed to collect debts in the State of Texas - A copy of the original signed lease agreement between myself and XXXX XXXX XXXX XXXX - An itemized statement showing exactly how the {$3300.00} balance was calculated including any fees, charges, or penalties added - Proof that the amount being collected is accurate and legally owed by me- Documentation showing the complete chain of assignment from XXXX XXXX XXXX XXXX to Qualia Collection Services- The exact date of first delinquency with the original creditor Without this documentation this debt can not be considered validated under the FDCPA or the Fair Credit Reporting Act ( FCRA ). Despite failing to validate this debt Qualia Collection Services is currently reporting this unverified collection account to all three major credit bureaus XXXX, XXXX, and XXXX which is significantly and negatively impacting my credit score and financial opportunities including housing applications and financing. Under the FCRA 15 U.S.C. 1681, information reported to credit bureaus must be accurate, complete, and verifiable. An unvalidated debt does not meet this standard and should not be reporting on my credit file. I am requesting that the CFPB formally investigate this matter and require Qualia Collection Services to either provide complete and accurate debt validation within 30 days or immediately remove this account permanently from all three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: AK

Complaint narrative:
I have sent many letters to Nationwide Capital Services or Structured Settlement or whatever they call themselves since XXXX of XXXX. Nationwide either ignores the letters or outright refuses to respond. None of the letters have received a reply. I received a call from a representative on XX/XX/XXXX, and the representative insists that I make agreements or concessions on the phone. There seems to be a nefarious tactic here where if a person insists on written communication, Nationwide outright refuses to communicate or becomes evasive. I asked the rep that I require a commitment from Nationwide in writing that this collection account will be deleted from my account when the account is paid in full. She was evasive and made many excuses, including that the person who has the ability to send emails is out of office. She also claims that it is company policy to delete collection accounts once paid in full, but that her office is unable to provide any statement in writing per some internal policy, and that she fears the lawyers who work at the company. She also insists that I make payments via ACH or other electronic methods, and discouraged payments by check. This is nonsense. I am sure that this company 's response is that they did send an email, my counter is to provide a copy of this email WITH the headers and timestamps proving an email was sent. It is ludicrous that you have the infrastructure to collect debts but not the ability to do something as simple as generating a statement with the company policy verbatim or send out a simple email.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: UPGRADE, INC.
State: HI

Complaint narrative:
Upgrade, the XXXX company who I have my accounts with, has their funds protected and FDIC-insured via XXXX XXXX XXXX ; thus , the reason I am filing on XXXX XXXX XXXX. I was unfairly charged a {$2.00} inactivity fee according to Upgrade 's website misleading wording in their FAQ section. The wording depicts " how is inactivity determined? Inactivity is determined if the cumulative balances across all checking and savings accounts opened through Upgrade is less than {$10.00}, and there have been no logins, transactions, payments, or funding activity for 365 days across all checking, savings, and lending products through Upgrade, as applicable. '' I had exactly a {$10.00} balance ; not under ; yet, unlike how the FAQ notates ( balance less than {$10.00} ), I was still charged a fee. I have tried to achieve resolution with Upgrade. On XX/XX/year>, I called and the telephone agent informed me that it was a {$2.00} inactivity fee and that she will re-activate my account since I called in, and she will get the fee waived. As on XX/XX/year>, the fee was not reimbursed as promised. I called back on XX/XX/year>XXXX and the telephone agent said that my notes on their system say they will not honor the inactivity fee reimbursement as no " bank error '' occurred. The same day, I emailed and pointed out the discrepancy and misleading words on their website FAQs ; however, the bank refuses to accept their error & continues to stand firm on their decision not to reimburse the fee. That said, in accordance with the UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) under the Dodd-Frank Act, I, as a consumer, am writing a formal complaint that I was misled by Upgrade 's misleading FAQ wording. As an Assistant Compliance Manager and previous NCUA examiner, I wish to point out this financial institution 's error and protect other consumers from deceptive, unfair, and misleading practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had an unauthorized charge on my account when I went to dispute the charge the button to dispute the charge is unavailable. I contacted Cash App to let them know my problem. And they said they can not help me until the button is available so I can start my complaint. Without the " start dispute '' button I can not initiate a case to be refunded. It has been over two weeks and the problem is not solved and they say they can not help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: Chime Financial Inc
State: MI

Complaint narrative:
I had 12 purchase come out on Chime in XXXX amounting to XXXX which I filed a dispute for, I had just recently opened my chime account because my chase account was going through unauthorized purchases, The dispute from the XXXX that I filed was denied and so was my reinvestigation dispute which I filed with a screenshot of my locations during the purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
I never had an account with XXXX XXXX XXXX in my life. Furthermore the account was opened two years after a moved to XXXX! I have repeatedly told this to the debt collector. They said their client insisted the account was mine. When I asked for proof I opened tue account. They just emailed me a bill with my name on it. I told them this XXXX prove I opened the account. Please show me any proof I opened the account and they failed to do so!

Company response to consumer: Closed with explanation