vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/year> I had multiple fraudulent XXXX XXXX transactions where someone in XXXX logged into my XXXX XXXX and took my money and turned it into bitcoin and then cashed it out.. I was asleep when this happened and as soon as I realized what happened the following morning, I filed a police report as well as multiple disputes and claims with XXXX XXXX. I was originally promised a credit within XXXX days from XXXX XXXX and I never received it after I gave them my personal account and routing number so I could receive the credit.. I have called multiple times for updates and all they will tell me is it is still under investigation. It has now been almost XXXX months since this has happened and still no credit or money back to my account. There was almost {$1200.00} in total that was taken from my account. The hacker also used my after pay on XXXX to get money back from prior purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I requested in late XX/XX/year>, to receive the communication from XXXX for the denial for me to pay my own insurance due to all the issues I've been having with you as the current mortgage holder. I have not received any feedback from you on this matter and I requested it in XXXX and XX/XX/year>. This is unacceptable? I'm informing you at this time, I will be filing a formal complaint against Shellpoint due to numerous errors, false statements and overcharging me on my monthly payments. Making payments and not posting payments on dates payments were made.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am a victim of identity theft. A girl lived with us and took everything we had. She blamed it on a family friend. I disputed the transfers in my time account when it happened on XX/XX/XXXX. I speeded them in XXXXXXXX XXXX XXXX. I disputed them in XXXXXXXX XXXX XXXX With a police report. I disputed them the other day with my identity theft papers. And I have still denied me saying that I said it was someone else. And that I transferred the girl money before. I told them that she lived with us and we trusted her. I also told them she manipulated us into believing it was someone else. And I still deny me my {$800.00} she transferred out of my account when she overtook it. I am a victim not the person who done it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
The Amount of the dispute is {$800.00}. We contacted the merchant on XX/XX/XXXX and concluded XX/XX/XXXX. I first contacted Capital One on XX/XX/XXXX. They denied my request XX/XX/XXXX. I sent additional details XX/XX/XXXX and was declined same day. I sent more XX/XX/XXXX and was also declined same day. The airline was contacted via phone, email, and refund request link, all which were declined. I am requesting a formal reconsideration of my dispute. This case was incorrectly handled as services rendered, when the actual issue involves property damage caused during the service. During my flight with XXXX XXXX a flight attendant physically bumped into me and knocked my laptop and headphones off, causing both to break. I have photo evidence of the damage and documentation showing I reported the incident to the airline. The airline denied responsibility, but this does not change the fact that the service resulted in direct damage to my property and significantly disrupted the experience. Additionally, when I contacted Capital One to address this, I spoke with a manager named XXXX who refused to escalate the case or provide any meaningful assistance, even after multiple requests. I was explicitly denied the opportunity to speak with another manager, which prevented proper handling of this situation. She told me multiple times she would not help me on a recorded line. Feel free to listen. This is not a valid services rendered resolution. This is a case involving negligent service and resulting damages. I am requesting a full reconsideration of this dispute with the ability to submit supporting evidence. I will attach my written statement and proof that I submitted to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Harris & Harris, Ltd.
State: OK

Complaint narrative:
Company contact me I do not have no contract or I dont know them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to the Well Fargo XXXX location requesting is that anything tied to my identity be printed out. She did not answer or fulfill my request she responded if you would like to speak with another member of our staff they can tell you more or you can ask them whatever it is you are asking about '' I then sat in the bank waiting area and I don't know if she showed up for or because of me being there but a XXXX female abouXXXX XXXX XXXX XXXX XXXX XXXX XXXXth a badge walked into the lobby stopped right front of me and seemed to have taken a video or photo of me using a cell phone. When the XXXX staff member called me she asked me what I needed I stated the same thing as i did with the previous employee and then I stated that I would like to exercise my right to record the conversation. The reason being when I asked the first employee to print out the information tied to my identity she did not even acknowledge my request and diverted me to another employee. After refusing me my right to record the conversation she said you can speak to a XXXX. I asked the same thing again she said I couldn't I then asked for information where I can file a complaint she stated she would do it that I didn't have to everything was done internally I asked is there a reference number or something I was supposed to receive to follow up she said no that she would file the complaint and if they needed anything from me they would contact me. I don't see how I never gave contact information. She them stated since you don't have an account I have to ask you to leave. Which I did so respectfully. The same thing basically happened at the XXXX XXXX XXXX XXXX and XXXX location. Same request for anything tied to my identity same statement that I would like to record the conversation and same denial to exercise my right to record. Both locations stated the did in fact find accounts tied to my identity and both locations I walked out with nothing I requested. I also believe that the information I requested XXXX involve identity theft and and fraud and XXXX also involve another money institution namely XXXX XXXX XXXX which I intend to file a complaint as well. When denied my right to record I immediately stated yal do have cameras installed monitoring everything right. I also stated that the information im requesting does involve a large sum of money I believe to be over the amount of $ 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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
I am filing this complaint regarding my auto loan for a XXXX XXXXXXXX XXXX XXXX, which has been inoperable for a significant portion of my ownership and continues to have unresolved mechanical issues. I currently owe approximately {$20000.00} on this vehicle. However, over the past XXXX years, I have only been able XXXX XXXX the vehicle for approximately XXXX months total, and not consecutively. The vehicle has spent more than a year in repair facilities. The primary issue involves repeated failure of the rear drive unit. This component has already been replaced once and has failed again. I was later approved for a used replacement part, which also turned out to be defective. I now have documentation from the repair facility confirming that the vehicle will not restart and that no repair is currently possible due to parts being unavailable or on backorder. I have also been informed that a new rear drive unit is available from XXXX for approximately {$7000.00}, but I would be required to pay this cost out of pocket. This is not a reasonable solution given the history of repeated failures and the fact that I have already paid significant amounts toward this vehicle. Despite the vehicle being inoperable and not repairable through normal means, I have been required to continue making monthly payments and maintaining insurance. I am currently being charged approximately {$850.00} in late fees, which I believe is excessive given the circumstances. I have attempted multiple times over the past year to discuss settlement options or account resolution with the finance company. However, I have been told that I must first bring the account current before I can speak with the settlement department, even though the vehicle is not usable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I traded in my vehicle on XX/XX/XXXX at XXXX XXXX XXXXXXXX. As part of the agreement, the dealership was responsible for paying off my existing auto loan with Capital One. The dealership has already sold the vehicle, but has failed to pay off the loan in a timely manner. As a result, Capital One continues to report the account as delinquent, causing severe damage to my credit score ( drop from approximately XXXX to XXXX ). I no longer have possession of the vehicle and should not be held responsible for any payments or negative reporting after the trade-in date. I have attempted to resolve this directly with both Capital One and the dealership, but the issue remains unresolved. I am requesting : Immediate payoff of the loan by the dealership Correction and removal of all negative credit reporting after XX/XX/XXXX. Written confirmation that I am no longer responsible for this account This situation is causing ongoing financial harm and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: NE

Complaint narrative:
In XX/XX/XXXX, I submitted a formal goodwill request to my XXXX XXXX servicer, asking for the removal of late payment notations ( XXXX, XXXX, XXXX, and XXXX days late ) from my credit report due to financial hardship experienced in XXXX. I highlighted that I am currently enrolled in an Income-Driven Repayment ( XXXX ) plan with a $ 0 monthly payment, demonstrating my commitment to responsibly managing my account. On XX/XX/XXXX, the servicer responded with a generic policy explanation stating they could not remove the late payments because the information was accurately reported. While they acknowledged my request, they did not conduct a meaningful review or consider my current compliance, repayment history, and efforts to regain financial stability. The reported late payments are significantly impacting my ability to access housing, credit, and other financial opportunities. I am requesting that the company take a full, individualized review of my goodwill request and consider removing the late payment notations, as other servicers have discretion to grant goodwill adjustments under similar circumstances.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
" I have an FHA loan serviced by Rocket Mortgage. I am XXXX months behind and have been denied for all loss mitigation options including FHA partial claim, repayment plan, and loan modification. As an FHA servicer Rocket Mortgage is required under HUD guidelines to exhaust all loss mitigation options before initiating foreclosure. I am requesting a full review of all FHA loss mitigation options including FHA-HAMP, partial claim, and special forbearance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Westcreek Financial
State: NV

Complaint narrative:
I contacted Koalifi to make a payment arrangement over a month ago and made my first payment successfully and I asked them if they could please send me the payment arrangement information and I was told yes it would take XXXX hrs was what I was told the first time. I called after the XXXX hrs and they then said it would take XXXX business days so I waited and those days passed I called again and I was told the same thing and I called the XXXX time and asked to speak with a XXXX he said for some reason their was a block on the account to where the couldnt send me emails but he would remove it which he did he sent me an email to verify and I do have that email but he than stated I would get the payment arrangement information and receipt within XXXX business again I never received it I called again and I was told they didnt know why I didnt receive this information and they would resent it in rush again I have yet not received anything. Which is why Im inputting this complaint because I dont know what else to do I have pictures of the calls Ive made and I know they also record their calls I just want that information please let me know what I can do. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: OH

Complaint narrative:
On or about XX/XX/year>, a package associated with a Klarna-financed purchase from XXXX was marked as delivered by the carrier ( XXXX ) . However, the delivery was made to the wrong address. The delivery photo provided by the carrier clearly shows a residence that is not my home. I have verified this by comparing the delivery photo to my actual residence, and they do not match. I contacted the merchant ( XXXX ) and attempted to resolve the issue, but they relied on the carriers delivery confirmation without addressing the incorrect delivery location. I also attempted to contact XXXX multiple times but was unable to reach a live agent, and their system indicated that only the shipper could initiate changes or investigation. I then filed a dispute with Klarna. I provided evidence including the delivery photo and proof of my actual address to demonstrate that the package was misdelivered. Despite this, Klarna denied my dispute twice, stating that proof of delivery was provided. Klarna failed to verify whether the delivery location matched my address and instead relied solely on the existence of a delivery confirmation. This is not a case of a missing or stolen package after delivery. This is a confirmed misdelivery to a different address. As a result, I am being held financially responsible for a purchase that was not delivered to me. I am requesting that Klarna conduct a proper investigation of the evidence, acknowledge the misdelivery, and remove the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MS

Complaint narrative:
My income was cut back in XX/XX/year>. I put in for Mortgage Asst. XX/XX/year>. I was only XXXX months behind at that point. I gave everything they asked for, but they would ask at the end of the XXXX day process for more docs. They waited till the very last day of the XXXX day process for something they needed. I would give them what they needed, and it would go into another XXXX days. I'm calling, and they have no answer for me. By this time I am XXXX months past due. Underwritting is looking at my past history. XXXX months earlier, when I started my new job, I had asked for XXXX. No one told me that I couldn't apply for asst. for XXXX yrs. They let my mortgage get XXXX months behind before they told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
I need to report these two Cash App users who is doing scam and fraudulent wont send their customer their orders or do their service cash app is XXXX XXXXXXXX and other cash app tag is XXXX XXXX for both cashapp tags need be investigated and punishment and accounts closed and relationship termination and ended etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Our bank card was stolen in XXXX and the thieves used the card to withdraw more than {$7000.00} from our checking account at Digital Federal Credit Union. This happened over 4 fraudulent transactions, which we disputed. The bank is refusing to refund our money, despite very obvious evidence of fraud.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I believe I was overcharged on my Wells Fargo account over a ten year period, I would like to confirm whether this is true.

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report which I believe has been reported in error and without my authorization. The account in question is a collection account reported by [ XXXX XXXX ] for the amount of [ XXXX ], listed under account ending in ( XXXX ) I have no knowledge of this account and did not authorize any agreement, service, or transaction that would justify this debt being placed in collections under my name. As such, I believe this account has been inaccurately reported. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, I am requesting that this account be investigated and verified. If the furnisher of this information can not provide adequate proof that this debt was legitimately incurred and authorized by me, it must be removed from my credit report immediately. Additionally, under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation of the disputed information within 30 days of receiving this notice. If verification can not be provided within that time frame, the account must be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief