vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
I was denied a dispute for fraudulent charges on my Cash App Debit card in the amount of {$860.00}. There is no way I pulled cash out of an ATM at a XXXX XXXX  XXXX in XXXX on XX/XX/XXXX. I have proof of working from XXXX XXXX that day and clearly there is no way I wouldve made it to XXXX within that timeframe just to pull cash out. Wouldnt have it been a red flag and I was not alerted that someone was pulling money out of my account. I used my card in XXXX right after I got off work at a XXXX XXXX XXXX for {$70.00} in XXXX in person at XXXX. Went home and took a nap right after work. I woke up to go to the convenience store in XXXX at XXXX XXXX  ( in person ) after XXXX or so and tried to use my Cash App Card and it denied for {$78.00} knowing that I had over {$860.00} in my account. When I checked my account right after, it shows that my account balance was at {$5.00}. I would never check my balance through an ATM especially out of town as I have the Cash App to review my balance on my account. There was a balance inquiry through the ATM of XXXX in XXXX at XXXX of my balance at {$870.00} that was not authored. This is not right and I need my money back as it was stolen from me and ruined my families XXXX due to this Fraud. I filed a Police Report regarding the unauthorized transaction on my Cash App and clearly it was stolen from my account without my Authorization. I am clearly a victim of identity theft and did not authorize the transactions listed below. They still denied my appeal for the Fraud Charge.

Details of Fraudulent Transactions : Date : XX/XX/XXXX in the Amount of {$860.00} from a XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) ATM Cash Withdrawal at XXXX. I've tried calling the XXXX  XXXX XXXX XXXX XXXX but they never answer. 

I tried reporting this unauthorized transaction once I found out that evening on XX/XX/XXXX but your Customer Service Line for Cash App was closed and reported this unauthorized charge on XX/XX/XXXX at XXXX and now informed that the claim was denied effective XX/XX/XXXX and the Appeal was Denied XX/XX/XXXX. I request a full reinvestigation and reversal of these charges, as well as any associated fees, as they are a result of fraud, not my activity. I can enclose copies of supporting documentation, including my time punch for work, police report and transactions showing Ive been in XXXX CA the entire time. These documents prove I did not make these transactions. This request is made under the protections of the Fair Credit Billing Act ( FCBA ), which provides remedies for billing errors. I need you to investigate this matter promptly and provide a written response within the legally required timeframe.

Thank you for your attention to this serious issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
I am submitting this complaint regarding the conduct of a debt collection representative and the mishandling of my account by the original creditor. 

This collection account has been open since 2024. During this time, I have repeatedly struggled to communicate with the debt collectors due to their rude, dismissive, and verbally abrasive behavior. As a military veteran, the tone and manner in which I was spoken to has been triggering, unprofessional, and unacceptable. The representative consistently talked over me, disregarded what I was saying, and showed no patience or willingness to engage respectfully. This behavior has made it extremely difficult to address or resolve the debt. 

In addition, I have documentation from the original creditor confirming that the account was not handled properly. Their internal notes state : Our review of internal notes indicates the resident reported not receiving a move-out statement and that the account was subsequently sent to collections. The notes also reflect that the matter was being reviewed, but no additional follow-up is documented.

This indicates that the account may have been sent to collections prematurely or without proper communication, which contributed to the confusion and delays in resolving the matter.

Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using abusive language, harassment, or conduct intended to intimidate or pressure consumers. The representatives behavior clearly violated these standards. Combined with the original creditors failure to follow up on their own internal review, I have been left unable to resolve this account despite multiple attempts. 

I am requesting that the CFPB review this matter, address the conduct of the debt collection agency, and ensure the original creditor corrects any errors in how this account was handled. I am willing to resolve the debt, but I should not be subjected to disrespectful treatment or procedural failures in the process. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BullCity financial has been violating the Fair Credit Reporting Act. Please see attach letter and documents for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a consumer and account holder with Wells Fargo Bank. The matter concerns an unauthorized electronic fund transfer governed by Regulation E ( 12 C.F.R. Section 1005 ). On XX/XX/year> I was sent a text from our authorized Wells Fargo text number stating fraudulent charges on our joint account. These were pending charges that we did not authorize or recognize. Wells Fargo stated that a representative would be in contact shortly. Shortly thereafter the text, I was contacted by an individual via phone ( it stated Wells Fargo on my phone as the identifying caller ) who falsely represented themselves as a Wells Fargo fraud/claims dept employee. The caller used information and communication patterns consistent with bank communications leading me to reasonable believe I was speaking with Wells Fargo. They had my address and other pertinent information. Under this false representation, the individual instructed me to take specific actions involving my Wells Fargo account for the stated purpose of " securing or verifying '' my funds. I complied because I believed I was following legitimate bank instructions. At no time did I knowingly authorize a transfer for the benefit of the fraudster. I was under the impression I was moving my money from my old account to my newly setup account. Immediately upon realizing this transaction was fraudulent I reported the incident to and filed an unauthorized transaction claim pursuant to Regulation E. Wells Fargo opened up the claim but failed to conduct a reasonable investigation as required by 12 CFR Section 1005.11. The bank denied my claim on the final day of its investigation period, without any additional communication via letter. This raises concerns about the procedural compliance and the adequacy of the investigation. Wells Fargo did not provide any documentation supporting its denial, including but not limited to device/IP logs, merchant records, internal call logs, or any evidence demonstrating that the transaction was authorized by me. The transaction at issue was the result of impersonation fraud which is treated as an unauthorized electronic fund transfer under Regulation E. I did not authorize the transfer, nor did I benefit from it. Wells Fargo denial improperly holds me liable for an unauthorized transaction contrary to federal law. The bank has refused to reopen the claim or provide the investigation file. As a result of Wells Fargo 's actions, I have suffered extreme financial loss and have been denied the protections afforded to me under Regulation E. I am requesting regulatory intervention to compel Wells Fargo to Reopen the Claim, Provide the full investigation file, conduct a lawful reasonable investigation involving all parties and refund the unauthorized transfer as required by law.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a return to store and used my debit card to get my refund that was approved and received a approved email from merchant, 1hr later i get an email from bank that transaction was declined. I contacted the merchant and in their end funds have been accepted by bank. I contacted the Bank and they are unable to add the funds to my bank account and unable to process a dispute, unable to assist with getting my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
on XXXX i had a over draft fee of {$35.00} which was fix because of my weekly job account i had the card cut off on XXXX XXXX i wnt to the bank and they said i did not have any over draft fees i had {$60.00} in my account XXXX im trying to understand if i had a balance of {$60.00} dollars how was i charged overdraft fee XXXX bbecause i went to the bank and talk with atailor and she said i had know overdraft fee but i look at a staement it said {$170.00} due for funds that was not in the bank at the time it was real confusing and I know from people and the past telling me how wellsfargo do things to make you have a fee to pay it just do not make any since i have had my account for years and never had a overdraft i do not believe wellsfargo is been fair

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 2026-01-06 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: PA

Complaint narrative:
XXXX {$740.00} reported to my credit report as negative

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Every month I make my payments more than required. The payments clears my bank. But they states that because of the amount I paid their going to put a hold on the cleared payment for 10 days. I made my payment on XX/XX/XXXX and on XX/XX/XXXX payment still not posted and was told it will be held till XX/XX/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 explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

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 2026-01-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a consumer reviewing my TransUnion credit report to ensure that all information is accurate, complete, and properly verified. 

Disputed Charged-Off Accounts I am disputing the following charged-off accounts : XXXX / XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX  Account XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$160.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$620.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX Balance {$430.00} XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$370.00} XXXX request that TransUnion verify these accounts with proper documentation. If they can not be verified, they should be corrected or removed. 

Disputed Late Payments I am disputing late payment reporting on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and correct or remove any late payment information that can not be substantiated.

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 2026-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
Carrington Mortgage added almost {$10000.00} to my payoff amount on a VA Mortgage. They are operating as a predatory lender targeting XXXX with fraudulent business practices. 
BACKGROUND : Carrington Mortgage is a division of XXXX XXXX Mortgage known and herein as " XXXX ''. I had a XX/XX/XXXXXXXX XXXX thru XXXX with a good rate. XXXX sold the loan to another XXXX of XXXX ; basically they sold it to themselves and changed my account number and the payment address. This caused my biweekly payments from my bank to be returned. Despite this I corrected the problem and was never late. I called XXXX and had them mail their biweekly in house form direct from my bank account to avoid problems. However once I completed the their biweekly form - XXXX or XXXX months later the " new '' XXXX account was sold to Carrington Mortgage - again also a company of XXXX. Carrington was impossible to deal with once again returning my biweekly checks as " they do not accept partial payments '' AND you can NEVER get a real person the phone. Instead it is an endless loop of recordings. 

Completely frustrated and disgusted I went to a local bank and immediately refinanced which took approximately XXXX days. Carrington provided a Payoff amount where they added a fee for Interest at 4.99000 % {$9500.00} over and above the Payoff amount. 

Then after the Payoff amount was wired Carrington on XX/XX/year> advised that they did not receive the full amount and were going to wire back $ XXXX for a balance of {$27000.00}. 
Carrington refused to communicate with the local bank and was and has always been difficult to work with, uncooperative and predatory. I then called the local bank who confirmed they wired the full payoff amount that Carrington specified which was {$420000.00}.

So whenever the smoke clears and dust settles Carrington overcharged me by {$9500.00}. And Carrington Mortgage should repay the overcharge and should not be permitted to participant in the Federal Government VA Loan Program as a predatory lender targeting Veterans and not abiding by the ethical standards and practices put in place. Instead they as a company did everything to reject my payments and avoid ethical practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
During late XXXX, my wife and I went through a horrible period of illnesses, surgeries, and hospitalizations. We are in our late XXXX 's, my wife is XXXX and requires a caregiver. We were having great difficulty dealing with our health, stress and everything else. My credit rating has been over XXXX for decades. We have never had a late payment. We had a Capital One XXXX card, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but never used it. 

Somehow, we made one charge to this card. I have no idea why we made the charge of about {$15.00}. We do not recall receiving any bills or late notices, although we don't dispute that we may have lost them among all. As we recovered from these disasters, I did receive and take note of a late notice and saw that it had dropped my credit score from XXXX ( a score I have had for decades ) down to XXXX. I have spoken with Capital One several times. They 'waived " the charges, dropped any charges, and we canceled the card with a XXXX balance. 

I have been told by a financial counselor at our bank that I could call Capital One and request that they can remove the late report to credit bureaus as a courtesy ( given our circumstances ) and even a show of mercy. They have been most courteous but told me that by law they can not do so. I have learned, however, that this is a Capital One policy, not the law, that keeps them from helping us in this terrible position.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
Dear PennyMac Customer Relations, I am writing to formally dispute the late charges and fees that were recently applied to my mortgage account, as well as to document PennyMacs failure to properly notify me of a mortgage payment increase.

For the past several years, I have consistently scheduled my XXXX  mortgage payments by phone every six months. I do this intentionally so I do not have to manage monthly payments myself. My monthly payment was {$1600.00}, which I split into XXXX payments of {$810.00} made on the XXXX and the XXXX of each month. 

Around XX/XX/XXXX, I called XXXX and spoke with an agent to schedule my payments from XXXX through XX/XX/XXXX. During that call, the agent did not mention any upcoming changes to my mortgage payment amount, and my payments were scheduled and processed as usual. 

In XX/XX/XXXX, when I called to schedule payments for XX/XX/XXXX through XX/XX/XXXX, I spoke with an agent named XXXX. During this call, I was informed for the first time that : My mortgage payment had increased in XX/XX/XXXX from approximately {$1600.00} to {$1600.00}. 
Late charges and fees had been applied to my account as a result. 
I would need to pay approximately {$300.00} extra to bring the account current, after which my payments would return to normal in XXXX. 
PennyMac allegedly provided notice of this increase XXXX months in advance, with a note dated XX/XX/XXXX. 

I explained that this information was never communicated to me when I called on or around XX/XX/XXXX to schedule my payments. If PennyMac had already noted an upcoming increase on XX/XX/XXXX, that information should have been visible to the agent assisting me and disclosed during the scheduling call. I relied on PennyMacs agent to provide accurate and complete information before finalizing my payments.

Additionally, each of my payments must go through PennyMacs verification process before being accepted, which further reinforces my expectation that I would be informed of any required payment changes before fees were assessed.

I am being penalized for a lack of notification that was entirely outside of my control. I was not negligent in making payments, nor did I ignore any communication intentionally. I acted in good faith based on the information provided by PennyMac representatives.

Given these circumstances, I am formally requesting : XXXX. Removal of all late fees and related charges resulting from the undisclosed payment increase.

2. Written clarification of when and how PennyMac claims notification of the payment increase was delivered.

3. Confirmation that my account will be considered current once the improper fees are removed. 

I would appreciate a written response and resolution to this matter as soon as possible. Thank you for your time and attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. After reviewing my credit file, I believe this account is inaccurate, incomplete, or unverifiable and request that it be investigated and removed in accordance with the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). 

Please conduct a thorough investigation and provide written confirmation of the results. If the account is removed, I request an updated copy of my credit report reflecting the change.

Company response to consumer: Closed with explanation