vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I am filing this complaint against Cash App, operated by XXXX XXXX XXXX, for the wrongful and unexplained closure of my account. I received a notification that my Cash App account was being closed due to a violation of the Terms of XXXX. However, Cash App has repeatedly refused to provide any specific details about what I allegedly did wrong, despite my multiple good-faith requests for clarification. Since the closure notice, I have contacted Cash App support on several occasions and specifically asked for the exact reason and evidence of the claimed violation. Each time, the response has been the same generic statement : that I violated the Terms of XXXX, with no further explanation, no examples of prohibited conduct, and no reference to any specific transaction, message, or activity. I have never received any prior warning, flag, or notice of any issue with my account before the sudden closure. I also submitted XXXX formal appeals through Cash Apps internal process. Both appeals received identical generic responses that simply restated the XXXX XXXX XXXX violation without providing any additional information, evidence, or opportunity to address the alleged issue. I have used my Cash App account in the exact same normal manner as I always have for standard peer-to-peer transfers, payments, and other permitted activities and I am not aware of any conduct that would justify closure. This complete lack of transparency has left me unable to understand or correct whatever problem Cash App believes exists. It has also prevented me from accessing my account and any remaining funds or transaction history. I believe this closure is wrongful because Cash App has failed to provide the basic due process and specific notice that consumers reasonably expect when a financial service provider takes such a severe action. I am requesting the following resolution : XXXX. A detailed, specific explanation of the exact provision ( XXXX ) of the Terms of Service I allegedly violated, including dates, specific actions or transactions cited, and any supporting evidence. XXXX. Immediate reinstatement of my account if the closure was made in error. XXXX. If reinstatement is not possible, the prompt release of any remaining balance and transaction records to me. XXXX. Confirmation that Cash App has conducted a full review of my case and appeals. I have already exhausted Cash Apps internal complaint and appeal processes with no meaningful response. I am providing all supporting documentation with this complaint, including the original closure notice, support chat transcripts, and appeal responses. Thank you for your assistance in obtaining a clear and complete response from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
XXXX & XXXX, XXXX XXXX XXXX and XXXX bank XXXX XXXX have been contacting me after I explained to the representative that the debt in question is not mines. The representative provided a date that the account was opened and I explained that at that time I was a minor. The representative also went on to try and verify my date of birth I explained that the information that they have is not accurate and does not match my government records. I do not have any credit cards and never had. Now the company is sending a request to the post master. This is extremely stressful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate payment accounting and continued collection on a disputed debt. I have made 23 weekly payments of {$150.00} each, totaling {$3500.00}, toward this account. I provided the collector with complete supporting documentation, including payment history, check numbers, dates, and cleared payment proof. Despite this, the collectors correspondence acknowledges only one payment of {$140.00} dated XX/XX/year> and shows a current balance of {$12000.00}. This does not match my documented payment history. I formally disputed the balance and requested a complete payment history, a detailed breakdown of the balance, and verification of how each payment was applied. Instead of addressing the discrepancies, the collector repeatedly sent generic responses stating that the dispute was being reviewed and that I should follow up in XXXX business days. I am requesting that the account be fully reconciled, that all of my documented payments be properly credited, that I receive a complete itemized accounting of the balance, and that collection activity cease until the debt is properly validated and corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Coconut Funding Corporation
State: CA

Complaint narrative:
On or about XX/XX/year>, I applied for a loan through XXXX, Coconut Funding XXXX, and paid a fee of {$950.00} via ACH withdrawal on XX/XX/year>, which I was led to understand was for processing and/or approving the loan application. Subsequently, my loan application was denied. Since that time, I have made multiple attempts to contact XXXX office and their broker to request clarification regarding the services rendered and to request a refund. Unfortunately, I have received no response. Additionally, I made a good-faith effort to visit their office, located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, in person to resolve this matter, but I was not assisted and was instead asked to leave without any resolution. At this point, I have not received from XXXX any meaningful service, communication, copy of my signed documents, or justification for the retention of this {$950.00} fee. If this fee was intended to be non-refundable, they clearly did not disclose to me in a transparent or reasonable manner, nor have they send any documentation demonstrating that services were performed commensurate with the fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: BROKER SOLUTIONS, INC.
State: TX

Complaint narrative:
Company said that it would be a soft credit check that would not impact my credit score.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I demand the following : Restructure the starting " Amount Financed '' to {$15000.00}. This reflects the true advertised price of the vehicle ( {$22000.00} ), standard state/dealer fees, and correctly applies my {$11000.00} total down payment ( {$7000.00} cash + {$4000.00} trade-in equity ) which the dealer omitted or falsified on the final paperwork. Remove the unauthorized {$2800.00} APS Service Contract the {$1200.00} GAP insurance from the principal balance. Along with one of the tags and register fees and paper tag, because I never got a paper tag for the XXXX, and I already had paid for the metal tag for the XXXX XXXX and they gave it to me to put it on before i told them that radiator was leaking after driving only for 3 weeks. Retroactively apply the {$3300.00} in payments I have already made to this corrected starting balance. Adjust my current principal balance to reflect the correct amortization, bringing my current payoff amount to approximately {$13000.00}. Lower my monthly payment going forward to reflect this corrected principal amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a mortgage payment that has not been properly applied to my account. For the Month of XXXX, I made a payment of {$620.00} through the mortgage companys mobile application. My bank has confirmed that the funds were successfully withdrawn and cleared. However The mortgage company claims they have not received or applied the payment. I have contacted the company multiple times and provided proof of payment, including bank statements and confirmation details, but the issue remains unresolved. Because this payment was made directly through the companys app, the funds should already be in their possession. This indicates a likely internal error, such as misapplied or unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX i was texted and then called by an individual impersonating a Wells Fargo representative telling me that my account had been compromised and someone was trying to wire XXXX from my account using my identity. I was then transferred over to another individual who was impersonating an FBI/FDIC agent who fed me a long and complicated story telling me that my local bank branches were being investigated for an internal fraud scheme occurring with bank employees themselves. The FBI agent manipulated me into " transferring '' my money into a new bank account via XXXX XXXX and XXXX. Believing that I was dealing with legitimate authority figures I was manipulated into securing my money by transferring it from my bank account into another alleged Well Fargo account by transferring XXXX Via XXXX XXXX and another XXXX Via XXXX XXXXThese actions were made under deception and impersonation. I filed a claim the very same day this scam occurred and I explained my situation, a week later it was denied and I called back twice to try and file an appeal. They told me that because I initiated the transfers and used third party apps that my money was unrecoverable. I was told both times to reach out to the third party apps and/or file a police report ( which I did ). All I have for the police report right now is a tracking number ( 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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Meta Payments Inc.

Complaint narrative:
Across six support tickets, I have received contradictory explanations by the Meta enhanced support customer service agents regarding the suspension of my accounts on XXXX. My primary account was suspended on XX/XX/2025 for an alleged account integrity violation, particularly avoiding restrictions on an account by using a different one, or creating another account after XXXX was suspended, and my weightlifting account was later suspended on XX/XX/2025 for the violation of policies regarding dangerous individuals and organizations with no email to notify me of the decision. My main account is XXXX XXXX XXXX with XXXX prior violations. The only accounts I've ever created were my main personal account 9 years, a weightlifting fitness account, and satire/parody accounts created as a middle school student jointly with my friends, approximately 5 years ago, nothing that remotely propagates terrorism or extremism. Initially, upon opening the first XXXX tickets, I was given no detailed explanation beyond the account integrity label. Opening my first ticket on XX/XX/2025, an agent approved my request for my case to be escalated to the support team. For XXXX consecutive days, I received automated messages informing me that my case was still being processed. On XX/XX/2025, I asked for a manual follow-up and received a response from another agent within XXXX minutes reaffirming that the suspension was correct but refusing to elaborate on the decision. Upon opening the most recent ticket on XX/XX/XXXX, I was finally informed on a phone call that an account in the account center connected to my account was found to violate the terrorism and dangerous individuals category. No explanation was provided as to why my weightlifting account was XXXX XXXX weeks after my main account, either. There has been a consistent lack of transparency throughout the investigation process with the agent on my XXXX ticket on XX/XX/XXXX reaffirming that my account was XXXX specifically on the grounds of account integrity, making no mention of the more recent finding of alleged " dangerous organizations '' content, and stating that the situation is " out from [ sic ] [ their ] scope ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am filing this complaint regarding a failure of Citibanks online banking system that has effectively prevented me from accessing and transferring my own funds. For over three years, I have regularly used Citibanks online banking platform to initiate domestic ACH transfers ( ACH push ) from my Citi checking account to my accounts at other major XXXX XXXX. This is not a new account, a new feature, or a firsttime transaction. Recently, this basic transfer function suddenly stopped working. When I attempt to initiate an ACH transfer through Citis online banking website, the page fails and redirects to a Page Not Found error. As a result, I am unable to transfer funds out of my Citi checking account using a function that previously worked reliably for years. In addition, this same ACH transfer function is not available or functional in Citibanks mobile banking application. The mobile app does not provide a working option to initiate domestic ACH transfers from my checking account, leaving no alternative digital channel to access this basic banking function. Citibank has not provided any explanation as to why this essential transfer capability is missing or nonfunctional in its mobile app, further limiting my ability to access and move my own funds. I contacted Citibank customer service multiple times to resolve this issue. Over the course of approximately two hours on the phone, I was transferred four times between different representatives and had to repeat the same explanation each time. None of the representatives were able to explain why the ACH transfer function was broken or how to fix it. I was told the issue would be escalated to technical support, but no resolution or followup ever occurred. Because this transfer function is not working, my funds are effectively locked in my Citibank account. Citibank does not have physical branch locations in my state ( Massachusetts ), so I am unable to access my funds through an inperson branch as an alternative. This situation has left me without a practical way to move my own money to another bank.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate delinquency reporting on my student loan account due to a servicing failure by MOHELA. Both of my loans were enrolled in autopay for an extended period with a perfect, consistent history of on-time payments. Following a known MOHELA system servicing issue in XXXX XXXX I re-enrolled both loans in autopay and received confirmation that autopay was active. However, autopay resumed on only one loan. The second loan did not process payments despite confirmed enrollment. I received no notification of a failed autopay, missed payment, or delinquency during this time. Approximately 90 days later, I was informed that the account was delinquent. I immediately made payment to bring the account current. The issue was not nonpayment, but a failure of the servicers autopay system combined with lack of notification. MOHELA representatives have confirmed that both loans were approved for autopay following re-enrollment, indicating this was a servicing error rather than borrower negligence. Despite this, MOHELA has reported a serious delinquency to all three credit bureaus, causing significant and unwarranted damage to my credit profile.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting a complaint regarding the payment allocation practices on my credit card account with Comenity Capital Bank involving deferred interest promotional financing. I currently have XXXX deferred interest plans on my account. XXXX of these plans ( Plan XXXX ) is set to expire on XX/XX/year>. I have been consistently making payments above the minimum amount due with the intention of paying off the balance associated with the earliest expiring promotional plan in order to avoid deferred interest charges. However, I recently discovered that my payments have not been applied in a way that prioritizes the plan with the nearest expiration date. Instead, payments have been distributed across multiple balances according to internal rules that were not clearly explained to me at the time of account opening or during use of the card. When I contacted the company, I was informed that : Payments above the minimum are not applied to my expiring promotional balance unless it is within XXXX months of expiration I can not retroactively request reallocation of past payments I must wait until a payment posts and then call customer service each time to manually request reallocation This process places an unreasonable burden on the consumer and creates a significant risk of incurring retroactive deferred interest charges, despite making consistent and timely payments in good faith. Additionally, this financing was presented to me in a healthcare setting with assurances that it would be interest-free, without clear explanation of the risks associated with deferred interest or the payment allocation process. I am requesting : A review of my account and consideration of reallocating past payments toward the promotional balance that expires first Clear and fair application of future payments to the earliest expiring deferred interest plan Greater transparency in how payment allocation policies are communicated to consumers I believe the current structure is confusing and potentially misleading, and it does not align with a reasonable consumers expectation of how payments should be applied when attempting to avoid deferred interest charges. Thank you for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA, XXXX. I am writing to file a formal complaint against Hunter Warfield regarding an erroneous collection account listed under account number XXXX. On XX/XX/year>, I discovered that Hunter Warfield is attempting to collect a debt of {$2800.00} that does not belong to me. This account has been inaccurately reported to the credit bureaus, affecting my credit score adversely, with current scores of XXXX from XXXX and XXXX. I have never entered into any contractual agreement that would result in the debt being collected by Hunter Warfield. I have conducted a thorough review of my records and confirmed that this debt is not valid. Despite this, Hunter Warfield has failed to provide adequate verification or validation of this debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires debt collectors to validate the debt and cease collection activities until such validation is provided. This erroneous collection account has significantly impacted my financial health, limiting my access to credit opportunities and causing undue stress. I am requesting the immediate removal of this account from my credit reports with XXXX, XXXX, and XXXX to rectify this situation. On XX/XX/year>, I already initiated a dispute regarding incorrect details through an autoblast method, yet the account remains unresolved and continues to affect my credit profile. This lack of action highlights the negligence in handling my dispute, contrary to the Fair Credit Reporting Act ( FCRA ) obligations, which mandate that inaccurate information be corrected or deleted promptly. I urge the Consumer Financial Protection Bureau to intervene in this matter and ensure Hunter Warfield complies with the law by removing this erroneous collection account from all three credit bureaus.

Company response to consumer: Closed with explanation