vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had fraud on my Wells Fargo checking ending in XXXX. Prior to transferring funds to new account I made multiple payments towards bills. Wells Fargo transferred the funds to new account then started reprocessing payments. They made me go negative XXXX when I accounted for in transactions, then pulled {$870.00} from my savings. To date I am still missing XXXX and missing the other {$460.00}. Wells Fargo has no explanation and has not helped.

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 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MI

Complaint narrative:
I paid off my vehicle loan in XXXX of XXXX and submitted a lien release request. The Ohio XXXX still shows an active lien as of XX/XX/XXXX and Hyundai 's website still shows no movement on the title.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. After carefully reviewing my credit file, I have identified items that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act 1681i, I have the right to dispute any information that I believe is not being reported with maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2026-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: PA

Complaint narrative:
The XXXX XXXX XXXX is sending me notices saying i owe {$3100.00} in tolls the car is registered to someone else and isnt my plate number.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. After carefully reviewing my credit file, I have identified items that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act 1681i, I have the right to dispute any information that I believe is not being reported with maximum possible accuracy.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain information currently being reported on my credit report. After carefully reviewing my credit file, I have identified items that appear to be inaccurate, incomplete, or unverifiable. Under the Fair Credit Reporting Act 1681i, I have the right to dispute any information that I believe is not being reported with maximum possible accuracy.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: VA

Complaint narrative:
I have sent an email that was giving to me by one of their workers I have also sent a certified mail to try and settle this matter and no one responded this matter falls off next year I have emailed XXXX and no one would talk or respond I have sent a letter the account number XXXX elephant and no one is responding to remove or settle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OZK
State: AR

Complaint narrative:
I am filing a formal complaint against Bank OZK ( XXXX, XXXX branch ) for discriminatory treatment, abusive customer service practices, and direct retaliation against a vulnerable, XXXX consumer. I am a legally XXXX XXXX XXXX XXXX XXXX XXXX, operating under the court-appointed legal guardianship of my mother, XXXX XXXX XXXX XXXX We share an enmeshed financial arrangement due to my XXXX. Recently, my mother and I visited the XXXX branch of Bank OZK to resolve a misunderstanding regarding authorized charges on the account. Instead of providing standard customer service, the bank teller ( " XXXX '' ) treated me with profound hostility and publicly humiliated me, essentially accusing me of fraud despite my mother ( the account holder and my legal guardian ) being present and attempting to resolve the issue. Because of this deeply distressing and discriminatory treatment, I called the branch manager to report the employee 's behavior and subsequently left a XXXX XXXX detailing how the branch humiliated a legally XXXX XXXX adult, naming that I have XXXX XXXX and a documented XXXX. In direct and immediate retaliation for my complaint and my public review advocating for my civil rights under the XXXX, Bank OZK management mailed my legal guardian a letter abruptly terminating and closing our account. This is a textbook " Abusive Practice. '' Bank OZK chose to weaponize account termination to punish and retaliate against a XXXX customer and her guardian for reporting discriminatory treatment. Financial institutions can not be allowed to sever critical banking services as a punitive measure against vulnerable adults who exercise their right to complain about hostile staff. '' What would a fair resolution to this issue be? 1. A formal, written explanation from Bank OZK executive management detailing the exact internal justification for closing the account immediately following my discrimination complaint. 2. A formal investigation by the CFPB into this branch 's retaliatory practices and UDAAP violations. 3. Financial compensation for the severe emotional distress, humiliation, and disruption of critical financial services inflicted upon a XXXX adult and her legal guardian.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> LVNV Funding LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am requesting validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : * The name and address of the original creditor * The amount of the alleged debt, including any fees or interest * Copies of any documents showing I am legally responsible for this debt * Proof that LVNV Funding LLC has the legal right to collect this debt * The date of the last payment made on the account Until this debt is properly validated, I request that all collection activity cease and that this account not be reported or continue to be reported inaccurately to any credit reporting agencies. This letter is not an acknowledgment or acceptance of the debt, nor is it permission to restart any statute of limitations. Please respond in writing within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: AL

Complaint narrative:
I bank with chime and due to predatory billing practices and no easy way to cancel multiple apps from XXXX I was billed multiple times from the same merchant often when no other activity was present. No fraud protection was alerted. A dispute was filed and no resolution was offered. I was billed {$150.00} over the course of a few months. Attempts cancel failed as I knew not where or how to cancel. Chime dispute department has refused to discuss, reopen, and hung up on me multiple times in a row. Stating it was closed and final. I'm eager to escalate this to highest level available and pursue legal case and punitive damages as i am a XXXXXXXX XXXX XXXXXXXX veteran and often a vulnerable consumer with medical crisis preventing normal oversight of finances. I want my funds rectified and this to be a failure XXXX case study they remember.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against Cash App regarding the sudden closure and restriction of my account without adequate explanation or access to my funds and transaction history. Cash App notified me that my account was closed due to alleged suspicious activity. However, the company has failed to provide any clear, specific, or meaningful explanation regarding what activity supposedly violated its policies. I believe the handling of this matter has been unfair, non-transparent, and harmful to me as a customer. In addition to closing my account, Cash App has locked me out of access to the platform entirely. Because of this restriction, I can not : * View my account records or transaction history * Access information regarding pending transactions * Verify the status of my funds * Properly manage or dispute transactions connected to my account I have attempted to contact Cash App support for clarification and assistance, but I have not received a satisfactory explanation or resolution. Their responses have been vague and have not addressed my concerns regarding the closure, pending transactions, or access to my financial information. This situation has caused financial hardship, inconvenience, stress, and concern regarding the handling of my personal funds and account information. I am requesting that Cash App : * Provide a detailed written explanation regarding the reason for the account closure * Restore access to my account records and transaction history * Clarify the status of all pending transactions and remaining funds * Release any funds owed to me without unnecessary delay * Conduct a formal review of the decision to close my account I respectfully request that the CFPB review this matter and assist in obtaining a fair resolution. Sincerely, XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I was informed that my bank accounts would be closed as of XX/XX/XXXX. I had escalated to the highest customer service team at this point in time.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I am following up regarding my complaint involving Coinbase and my inability to regain access to my account. Despite repeatedly attempting to resolve this issue through Coinbases official online support and account recovery process, I have received little to no meaningful assistance. I have completed their online verification and recovery procedures numerous times likely over XXXX attempts without any resolution or direct support from the company. At this point, I believe Coinbase is failing to provide reasonable customer assistance for account access and security issues. I am unable to effectively communicate with a live representative, and the automated system continues to loop me through the same unsuccessful process. This situation has caused significant stress and concern, particularly because the account involves access to financial assets and sensitive personal information. I respectfully request that your office review this matter further and assist in encouraging Coinbase to provide proper customer support and a workable resolution to restore access to my account. Please let me know if any additional documentation, screenshots, case numbers, or records of my attempts to contact Coinbase would be helpful. Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I reached out to Chase on Monday morning regarding a very specific and unique transaction error. On XX/XX/year>, funds were supposed to be transferred to an external bank account to pay my mortgage. On XX/XX/year>, I noticed the error ; however, because it was Sunday, I had to wait until the next business day to address the issue. On Monday morning, I contacted Chase and was instructed to call the external bank to cancel the transaction. I then contacted the external bank and was advised that because the transfer was initiated through Chase, I would need to contact Chase directly. I called Chase back and was informed there was a hold on the XX/XX/year> transaction and that I would need to wait until XX/XX/XXXX. I was again advised to contact the external bank to see if they could cancel the transaction on their end. I explained that I had already done so and that the external bank specifically directed me back to Chase. Chase then advised me to call the external bank again and request a supervisor. I contacted the external bank a second time and was told there was nothing they could do because the transaction originated through Chase. They stated I would need to wait until processing completed around XXXX p.m. to determine whether any negative impact would occur on my account. I explained that I did not want any negative consequences involving my mortgage company, as the transferred funds were intended for my mortgage payment. I asked again whether there was any way to stop the transaction, and once again I was told it could not be stopped because it was initiated through Chase. I then contacted Chase again and spoke with a supervisor, who advised that, in hindsight, the external bank should be able to cancel the transaction since the funds were coming from them. However, because Chase could not see the funds on their end at that time, they stated they were unable to take any action. This morning, Tuesday, I contacted Chase again and spoke with multiple representatives, including XXXX, XXXX, XXXX, XXXX, and a supervisor named XXXX. I was repeatedly advised that they could not assist and could not see the funds, while continuously being transferred from one representative to another without resolution. At this point, I do not believe this situation has been handled appropriately. As a consumer, I am extremely frustrated with the lack of clear communication, accountability, and guidance provided by either financial institution. I also experienced ongoing communication barriers with representatives who did not fully understand the issue or attempt to investigate further for possible solutions. No meaningful resolution options or guidance were provided by either bank. Due to this experience and the handling of this matter, I no longer wish to continue banking with either institution and intend to close both accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: TN

Complaint narrative:
I had a Card Premium Bank Account issued by XXXX ( Card.com ). XXXX closed all accounts on XX/XX/2026, but I had multiple open disputes that were never properly investigated or resolved. After the closure, XXXX denied all disputes without conducting a reasonable investigation and without providing any evidence supporting their decision. XXXX. Misclassification of my hotel dispute I disputed a charge from XXXX XXXX XXXX XXXX XXXX XXXX because : I was charged an incorrect amount I paid an additional {$80.00} cash that was never refunded I experienced XXXX during the stay The manager promised accommodations that were never provided I submitted email evidence showing I attempted to resolve the issue with the hotel I never claimed the transaction was unauthorized. However, XXXX denied the dispute stating the charge was not unauthorized, which proves they misclassified the dispute and did not investigate the correct issue ( services not provided / incorrect amount charged ). This is a Regulation E error. XXXX. Failure to investigate recurring unauthorized subscription charges I also disputed multiple recurring subscription charges posted over approximately XXXX months, including repeated charges from XXXX XXXX, often XXXX times per month, and other subscription merchants I did not authorize. These charges were : Unauthorized Duplicated Incorrect Continuing for months without my knowledge XXXX denied all of these disputes without : Providing merchant documentation Providing investigation notes Providing evidence Providing provisional credit Stopping future unauthorized charges This is a violation of 12 C.F.R. 1005.11. XXXX. Failure to resolve disputes before account closure My account was closed on XX/XX/2026, but several disputes were still pending. XXXX is still required under Regulation E to : Complete the investigation Correct errors Provide documentation Issue provisional credit if needed They did not do so. XXXX. XXXX denial letter shows no investigation occurred The denial letter I received in early XXXX states that the disputes were denied because the transactions were not unauthorized. This confirms : They did not review the evidence I submitted They did not investigate the correct dispute categories They did not conduct a reasonable investigation They did not comply with Regulation E requirements XXXX handling of my disputes shows clear violations of Regulation E, failure to conduct a reasonable investigation, and failure to resolve errors before account closure.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding my mortgage servicer and my ongoing attempts to prevent foreclosure while experiencing severe financial hardship. At the time I filed my XXXX XXXX XXXX, I was employed and believed I would be able to maintain my repayment obligations. However, my financial situation changed significantly after filing due to loss of employment and unresolved federal tax issues. My XXXX XXXX case was later dismissed in connection with those tax matters. I have since worked with the XXXX XXXX XXXX regarding my IRS issues and have been informed that my situation qualifies as a federally backed hardship matter currently under review. Despite my repeated efforts to communicate with my mortgage servicer and seek assistance, I feel that I have not been provided meaningful foreclosure prevention support or reasonable alternatives based on my hardship circumstances. I have requested information regarding : - foreclosure status, - loss mitigation review, - hardship assistance, - repayment alternatives, - and options to preserve my home. I am attempting in good faith to resolve this matter, stabilize my financial situation, and avoid foreclosure. I am requesting : - a full review of all available hardship and foreclosure prevention options, - temporary suspension of foreclosure activity while review is pending, - clear communication regarding available programs, - and fair consideration of my documented hardship circumstances. I am also requesting confirmation regarding whether all applicable federal servicing guidelines and homeowner protections have been followed concerning my account and hardship requests. I respectfully ask for assistance in ensuring my mortgage servicer properly reviews my case and communicates available options before proceeding further with foreclosure activity.

Company response to consumer: Closed with explanation