vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding my financing agreement with Acima Credit for a washer and dryer that were defective and did not work. Shortly after receiving the appliances, I discovered that they were not functioning properly and were unusable. Following Acimas instructions, I attempted to contact the merchant who sold the appliances in order to resolve the issue. However, the merchant refused to communicate with me and has blocked my attempts to contact them. The merchant also refused to repair, replace, or retrieve the appliances. Since then, I have made multiple attempts to resolve the issue directly with Acima. During these interactions with customer service, I have experienced long hold times, repeated transfers between representatives, and inconsistent or mixed information from agents. Different representatives have promised different outcomes or solutions, but none of these promises have been followed through. Instead of addressing the defective product and the merchants refusal to cooperate, I have repeatedly been told to simply begin making payments. Acima is now demanding {$490.00} to satisfy the account, which I believe is an unreasonable amount to pay for appliances that were defective and never properly resolved. I believe it is unfair to hold me financially responsible for merchandise that was not functional and for a situation where the merchant refuses to communicate or provide any remedy. Despite my efforts to resolve the issue in good faith, I have not received meaningful assistance from Acima. The situation has caused significant frustration and stress due to the lack of accountability from both the merchant and the financing company. I am requesting that Acima Credit review this matter and provide a fair resolution, including closing the account and waiving the remaining balance due to the defective merchandise and the merchants refusal to cooperate. I appreciate the Consumer Financial Protection Bureau reviewing this complaint and helping ensure that this matter is handled fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
We want all monies that was reported to be refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint Premature Account Closure Interfering With My Fraud Dispute Rights Summary of Issue I am filing this complaint because the bank closed my account while my fraud dispute was still active, which interfered with my ability to access evidence, upload documents, review transaction history, and participate in the dispute process. Closing an account during an open fraud investigation is a procedural failure that directly affects a consumers rights. Details of the Incident I reported fraud to the bank and provided supporting information. Before the dispute was resolved, the bank closed my account, which immediately restricted : my access to transaction history my ability to upload additional evidence my ability to review the banks notes my ability to monitor the status of the claim my ability to communicate through secure messaging The account closure occurred before the investigation was complete and before the bank provided any final documentation or explanation. This prevented me from participating fully in the dispute process and from verifying the accuracy of the banks claims. Why This Is a Concern Closing a consumers account during an active fraud dispute can : obstruct the consumers ability to provide evidence block access to relevant records interfere with the dispute timeline prevent the consumer from reviewing the banks findings create an unfair disadvantage in the investigation Banks are expected to maintain access to necessary records and communication channels during an active dispute. Closing the account prematurely undermines the integrity of the investigation and raises concerns about whether the bank followed required procedures. Banks Response The bank has not provided a clear explanation for why the account was closed before the dispute was resolved. They have not explained : what policy justified closing the account midinvestigation how they expected me to access evidence after closure why they restricted my ability to participate in the dispute whether they considered the impact on my dispute rights The bank has also not provided documentation showing that the closure complied with internal or regulatory standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint Failure to Provide Requested Documentation, Including XXXX DeviceLevel Data, and Contradictory Final Determinations Summary of Issue I am filing this complaint because the bank has failed to provide the documentation I requested during my fraud dispute, including the XXXX devicelevel authorization data that would show whether my XXXX was used for the disputed transaction. I requested this information multiple times. The bank issued XXXX Final Determination letters, and none of them provided or referenced the evidence I asked for. The XXXX letter stated that Legal will contact you within XXXX days to discuss your evidence request, which contradicts the first XXXX letters that made no mention of evidence at all. Details of the Incident During my fraud dispute, I specifically requested : XXXX devicelevel authorization data showing whether my XXXX was used teller logs correction logs internal notes ATM video confirmation a complete audit trail of the transaction The bank did not provide any of this information. The bank issued XXXX Final Determination letters : XXXX. Final Determination # XXXX denied the claim without referencing any of the evidence I requested. XXXX. Final Determination # XXXX again denied the claim, also without referencing any of the requested evidence. XXXX. Final Determination # XXXX stated that Legal will contact you within XXXX days to discuss your evidence request, which contradicts the first XXXX letters that made no mention of evidence or pending documentation. At this time, I still do not know whether the XXXX XXXX data was ever retrieved, reviewed, or included in the materials sent to law enforcement under a search warrant. Why This Is a Concern This situation raises several procedural and compliance issues : The bank failed to provide documentation I explicitly requested. The bank issued XXXX Final Determinations without acknowledging or addressing the evidence request. The XXXX Final Determination contradicts the first XXXX by stating that Legal will contact me within XXXX days regarding the evidence. The bank has not confirmed whether XXXX devicelevel data was retrieved or reviewed. The bank has not confirmed whether this data was included in the law enforcement packet. The banks inconsistent written communication suggests the investigation was not conducted using complete or accurate information. The banks failure to provide documentation interfered with my ability to participate in the dispute process. Consumers have the right to request documentation relevant to a fraud investigation. The banks refusal or failure to provide it combined with contradictory Final Determination letters

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: IN

Complaint narrative:
My XXXX child used my Cash App card to make multiple purchases totaling about {$800.00} on a loot crate / mystery pack style app called XXXX XXXX. I was completely unaware these purchases were happening at the time. I contacted the merchant to request a refund and explained that the purchases were made by my minor child without my permission. The merchant refused to refund any of the charges. I then contacted Cash App and asked them to open a dispute and initiate a chargeback for the unauthorized transactions. Cash App refused to process a dispute or refund, even after I explained that the charges were made by a minor. I have since canceled my Cash App card to prevent any further charges. I am requesting help to have Cash App investigate these transactions and assist in recovering the approximately {$800.00} that was charged without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
XX/XX/XXXX : Final Move Out Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Refund check issued by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$2.00}, XXXX XXXX XXXX XXXX XXXX XXXX issued recapture statements to XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00} and the other {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provided not communications/ notice regarding recapture, revised my move out statement to make it appear as though I owed land lord / rental debt XX/XX/XXXXXXXX XXXX XXXX XXXX placed collections / charge off on my credit reports in the amount of {$6.00}, XXXX Ongoing dispute with XXXX XXXX XXXX Rent Debt regarding alleged debt owed and how it is being reported on my credit report Initial correspondence received from Rent Debt did not match the amount owed, and they would not honor or acknowledge the discrepancy of the amount due or owed. No 'secure messages ' as indicated in print PDFs are available on Rent Debt 's messaging platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is my second CFPB complaint against Equifax Information Services LLC for deliberately refusing to conduct a reasonable reinvestigation or delete inaccurate/unverifiable information from my credit report, in blatant violation of the Fair Credit Reporting Act ( FCRA ). Equifax has been on notice multiple times including from my prior CFPB complaint and still wont fix this fraudulent XXXX XXXX collection that isnt mine. Disputed inaccurate item details : Creditor : XXXX XXXX Account Number : XXXX ( ends in XXXX ) Account Status : COLLECTION ( but listed as OPEN ) Owner : INDIVIDUAL Account Type : OPEN Loan Type : TELECOMMUNICATION_CELLULAR Balance : {$1200.00} High Credit : {$1200.00} Report Date : XX/XX/XXXX Appears on : Equifax only I have never opened, authorized, used, or owed anything to XXXX XXXX. No devices, no service, no charges zero recognition of this account or any tied details. This is either a blatant error, identity theft/fraud, or XXXX sloppy furnishing. It does not belong on my report. I disputed this directly with Equifax multiple times. Equifax closed the dispute without removing it, providing no real reinvestigation, no evidence from XXXX, and no meaningful response to my claim that its not my debt. I escalated by filing a prior CFPB complaint. The CFPB forwarded it, putting Equifax on official notice. Equifax refused to perform a proper reinvestigation they failed to review evidence, ignored my dispute details, did not contact XXXX meaningfully ( or at all ), and left the item intact. No deletion, no correction, no accountability. This is not compliance ; this is defiance. Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Equifax must maintain reasonable procedures for maximum possible accuracy. 15 U.S.C. 1681i ( a ) : Equifax must conduct a reasonable reinvestigation within 30 days and delete inaccurate/unverifiable items. Their refusal here is a direct violation. 15 U.S.C. 1681s-2 ( b ) : Furnishers ( XXXX ) must investigate and stop reporting known inaccuracies. 15 U.S.C. 1681n : Willful noncompliance allows actual damages, statutory damages ( {$100.00} $ XXXX per violation ), punitive damages, costs, and attorneys fees. Equifaxs pattern ignoring prior disputes, prior CFPB notice, and their own XX/XX/XXXX {$15.00} million CFPB penalty ( File No. XXXX ) for failing reinvestigations, ignoring evidence, and accuracy failures screams willfulness. This fake {$1200.00} collection keeps tanking my credit dropping scores, blocking approvals, stressing me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My bank WellsXXXX allowed hackers to take advances on my XXXX XXXX credit card for the total of XXXX and transfer money to my checking account and the withdrawal in XXXX increments. Apparently this didnt cause any red flags. Now the bank is trying to hold me responsible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Inaccurate XXXX debt buyer collection ( account # XXXX ) remains on Equifax report after dispute ; failed reasonable reinvestigation under FCRA I am filing this complaint against Equifax Information Services LLC for continuing to report inaccurate and unverifiable information on my credit report, despite my prior direct dispute. The disputed item is a collection account that does not belong to me. Details of the inaccurate item : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX note the repeated entry, which may indicate a reporting error ) Account Status : COLLECTION Account Type : OPEN / DEBT_BUYERS_ACCOUNT Creditor Classification : FINANCIAL Loan Type : DEBT_BUYERS_ACCOUNT Owner : INDIVIDUAL Appears on : Equifax only ( to my knowledge ) I have never opened, authorized, used, or incurred any obligation with XXXX ( now part of XXXX ). I do not recognize any details associated with this account, such as phone numbers, addresses, equipment, or charges. This entry appears to result from an error ( possibly related to data migration issues from the XXXX merger ) , mistaken identity, or identity theft/fraud. It is not my debt. I disputed this item directly with Equifax on XX/XX/year>. I explained that the account is not mine and provided supporting details including a statement that I have no XXXX history. Equifaxs reinvestigation failed to remove the item or adequately verify its accuracy they simply verified it without providing no meaningful explanation or documentation from the furnisher. This continued inaccurate reporting is harming my credit profile by lowering my scores and affecting credit decisions Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Equifax must follow reasonable procedures to assure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681i ( a ) : Upon dispute, Equifax must conduct a reasonable reinvestigation within 30 days and delete or correct inaccurate, incomplete, or unverifiable information. Their failure to do so violates this section. 15 U.S.C. 1681s-2 ( b ) : The furnisher ( s ) ( debt buyer and/or XXXX ) must investigate disputes and refrain from reporting information known or reasonably believed to be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: TX

Complaint narrative:
I borrowed from Sallie Mae in XXXX while attending the XXXX XXXX XXXX and then again in XXXX while attending XXXX XXXX XXXX XXXX. During that time, the interest rates were not only astronomical, but they did not offer me any support in terms of income- driven repayment plans and I was often forced into forbearance, which significantly increased the total amount I owed on the loan. I had a very low credit score at the time, and I was taken advantage of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint Inadequate Training for Representatives Handling Fraud Victims ( Telephone Conduct ) Summary of Issue I am filing this complaint because the banks representatives demonstrated inappropriate and unprofessional telephone conduct when I reported fraud. Their behavior indicates a lack of training on how to communicate with fraud victims, and it created pressure, confusion, and emotional distress during an already urgent situation. The banks handling of these calls did not follow reasonable standards for assisting a consumer reporting fraud. Details of the Incident When I contacted the bank to report suspected fraud, the representatives I spoke with were dismissive, unprofessional, and made comments that were inappropriate for a fraudreporting situation. Instead of providing guidance, support, or clear instructions, the representatives used language that minimized my concerns and implied blame. One representative stated that I just gave the scammer that much money and that I should be relieved I didnt hand it to them, which is not an acceptable or traumainformed response to a fraud victim. Additionally, the representatives appeared unfamiliar with proper fraudresponse procedures. They did not provide consistent information, did not explain next steps, and did not follow a structured fraudreporting process. Their tone and comments created pressure to accept the banks position without evidence and made it difficult to obtain accurate information. Why This Is a Concern Fraud victims are often under stress, confused, and in need of clear, supportive communication. Banks are expected to have trained staff who can : respond professionally avoid victimblaming language provide accurate information follow established fraudreporting procedures document the call appropriately The conduct I experienced suggests the bank has not adequately trained its representatives on how to communicate with fraud victims or how to handle fraud reports in a consistent, compliant manner. This is especially concerning because telephone interactions are often the first point of contact for fraud victims. Poor communication can delay reporting, interfere with the investigation, and cause additional harm. Banks Response The bank has not acknowledged or addressed the inappropriate conduct or the lack of training. Instead, I have received inconsistent explanations and no indication that the bank reviewed the call recordings or took corrective action. The bank has not provided any assurance that representatives are trained in proper fraudresponse communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding a debt being collected by Monarch Recovery XXXX that resulted from fraudulent transactions. These transactions were unauthorized and were reported to my bank as fraud as soon as they were discovered. I also filed a fraud report with the Federal Trade Commission. Despite reporting the transactions as fraud, the account was still sent to collections and the collector has attempted to collect payment for a debt that I do not owe. I informed the collector that the transactions were fraudulent and requested verification of the debt and documentation proving that I authorized the charges. No adequate proof has been provided. This situation has negatively affected both my and my wifes financial standing and ability to open accounts. I am requesting that the collection activity stop immediately and that the fraudulent debt be removed from any records associated with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Collection account. {$610.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief