vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: AE

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I currently use wise to pay my rent to my XXXX landlord. On XXXX XX/XX/year> while traveling to XXXX my phone was stolen. After it was stolen the people who stole my phone tried using my Wise account to transfer money from my bank account to Wise and then to themselves. On XXXX XX/XX/year> I notified Wise after canceling all the transfers from Wise to the fraudsters. I asked them to cancel the transfers from my personal bank account to Wise as well. I sent Wise all the relevant information including the police report and the detectives badge number and our communications confirming that my phone had been stolen. Wise then sent me an email dated XXXX XX/XX/year> acknowledging that all those transactions were fraudulent and that quote " the top ups into your account have been charge backed from you bank and should of been returned to the bank ''. on XXXX XX/XX/year> wise pulled three separate transactions of XXXX dollars totaling XXXX dollars out of my bank account to wise, the very transactions they acknowledged as fraudulent, and had said would be charged back to my bank. As of today XXXX XX/XX/year> those funds are still not available in my account for my use. I have called wise XXXX times since then and nobody seems to be able to tell me why those transactions weren't charged back as they said they would be or where my money is, all they say is that it was a money movement and that the funds should show up in my account at some point. Wise has committed multiple violations of USC 15 EFTA, and if my money is not available for use by XXXX  XXXX XX/XX/year> I will pursue legal action against wise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS ACCOUNT DOES NOT BELONG TO ME AND HAS BEEN REPORTED IN ERROR. I HAVE NEVER OWNED, OPENED, OR AUTHORIZED THIS ACCOUNT, AND I HAVE NO AFFILIATION WITH IT WHATSOEVER. THE PRESENCE OF THIS ACCOUNT ON MY CREDIT REPORT IS INACCURATE AND MISLEADING AND DOES NOT REFLECT MY TRUE CREDIT HISTORY. I AM FORMALLY DISPUTING THIS ITEM AND REQUEST A FULL INVESTIGATION AND PROPER VERIFICATION. IF THIS ACCOUNT CAN NOT BE VALIDATED AS MINE WITH LEGITIMATE AND COMPLETE DOCUMENTATION, IT MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT

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 2026-01-26 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: MI

Complaint narrative:
Issue : Unauthorized debit card charge XXXX I am disputing an unauthorized debit card transaction on my Chime account from XXXX. 

Details : The charge posted on the same day as the pending transaction. Pending : {$190.00}, posted : {$170.00}. 

I did not authorize this transaction and have never shopped with XXXX using this card. 

I reported the transaction the same day I noticed it and froze my debit card immediately to prevent further unauthorized charges. 

I did not request information from the merchant and did not attempt to resolve this with the company, because this was clearly fraud. 
Under Regulation E, I am requesting full reimbursement for this unauthorized electronic funds transfer.

I also request that Chime provide any evidence that I authorized this transaction. 

If Chime can not provide proof of authorization, I request the charge be reversed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am receiving repeated phone calls from Jefferson Capital Systems LLC in which the caller remains silent or disconnects without meaningful communication. These calls happen at all hours despite telling them not to contact me via call and feel harassing. 

I have not received proper written validation of the alleged debt as I have disputed it several times with no new notice mailed verifying the debt. I am requesting validation of the debt and that all communication be conducted in writing only. I am also requesting that Jefferson Capital Systems LLC cease telephone contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I submitted a complete loss mitigation application to my mortgage servicer.

Since applying for the service has repeatedly requested the same documents. Each time, they wait until the end of the 30 day reveiw period and then claim that documents are missing or outdated, even though those documents were already submitted and confirmed.

The service has not issued any written approval or denial of my loss of mitigation application. Instead, they repeatedly restart the review process without justification, causing ongoing delays.

A resolution Team/ Single point of Contact was assigned to my account, yet the same pattern of delay and repeated document requests continues. I have fully cooperated at all times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am filing a complaint against Midland Credit Management regarding a debt they are reporting on my credit reports. This account is not mine and I have disputed it multiple times. Despite this, Midland continues reporting the account and is increasing the reported balance approximately every two weeks, then updating the credit bureaus with the higher amount.

The balance has steadily increased over time ( example : it started around {$2000.00} and is now around {$2500.00} ) without any explanation, itemization, contract basis, or documentation showing that I owe this debt or that these added amounts are valid. This repeated balance creep is damaging my credit and appears to be inaccurate reporting.

I have contacted Midland and disputed the debt. Midland has not provided validation showing I am responsible for the account, and the reporting continues with new higher balances. If Midland claims the balance changes are due to interest, fees, or court costs, Midland should be required to prove the legal basis for each increase and provide an itemized accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I filed a billing dispute with American Express regarding an XXXX charge in the amount of {$3900.00}. In my initial dispute submission, I uploaded the maximum number of evidentiary files allowed by American Express ( XXXX files ) through the dispute portal. These materials included photographs, screenshots, and written documentation supporting the dispute. 

American Express denied the dispute based on XXXX findings : ( XXXX ) that I did not notify the merchant within XXXX hours of check-in, and ( XXXX ) that a partial refund resolved the dispute. Both findings were consistent with the merchants response but inconsistent with the evidence I submitted. 

After receiving the denial, I submitted a written rebuttal explaining that I had already submitted the maximum number of evidentiary files, that the evidence was already in American Expresss possession, and that the denial did not reflect review of those materials. I requested reconsideration and correction of the factual errors identified in the denial. 

American Express subsequently issued a second denial that repeated the same XXXX findings without addressing the rebuttal and without reflecting consideration of the evidence submitted with the initial dispute. 

As a result, American Express appears to have relied exclusively on the merchants assertions and failed to conduct a good-faith review of the cardmember-submitted evidence within its own dispute process constraints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To whom it may concern i need lvnv funding to send me proof of my signature and validated debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
On January 2324, 2026, my email account was compromised. During this breach window, a {$31.00} charge was initiated through PayPal via XXXX XXXX XXXX XXXX XXXX Ive never used. This PayPal account is new and had no prior purchase history. Immediately after the breach, PayPal locked my business account and forced a password reset due to suspicious activity. Despite this, they denied my fraud claim and stated there was no unauthorized use. The charge posted to my bank account * after * I filed the complaint. I changed my password, enabled XXXX, removed third-party access, and secured the email account. PayPal ignored all of this. Their denial contradicts their own security actions and violates XXXX XXXX Im fed up with the negligence Ive seen across the credit and payments industry this should have been caught and resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I was scheduled for a cosmetic XXXX at XXXX XXXX XXXX in XXXX, La my schedule procedure in XX/XX/year> in which I did not go through with the XXXX. I was charged the total amount for procedure to my Best Buy Credit Card so I disputed the charges twice uploaded information showing it was only a {$500.00} non refundable deposit but I was charged {$5700.00} in addition to the {$500.00} deposit no XXXX was done or performed. I was told since I provided this information there should be no reason why I would be responsible for charges but after the end of this 6 months going back and forth the charge is still on my account.

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 2026-01-26 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: Security Credit Services, LLC
State: PA

Complaint narrative:
Security Credit Services responded that they purchase the said debt from another entity. This does not mean I owe your entity. The fact remains I refuse to pay your company and in the event your entity does not remove this debt I will sue you. XXXX  justice court requires I notify you before filing a lawsuit. I will collect {$2500.00} in the event I do have to take time away from work to sue your entity. This is your notice that you will be sued if this debt is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I am submitting this complaint regarding Western Unions failure to safeguard my nonpublic personal and financial information and its failure to notify or remediate after actual knowledge of misuse. 

On or about XX/XX/XXXX, I initiated a wire transfer through Western Union. On or about XX/XX/XXXX, within days of that transaction, I received an unsolicited voicemail from an individual falsely claiming to be a government or financial investigator. The caller addressed me by my full legal name and referenced nonpublic transaction details, including the destination and recipient. 

Following this incident, I received multiple additional telephone calls, both answered and missed, from unauthorized individuals using different telephone numbers. These contacts occurred within days of my Western Union transactions and continued over a two- to three-month period. During these calls, the individuals falsely accused me of aiding fraud, terrorism, and human trafficking and threatened arrest. 

I did not authorize Western Union to disclose my personal or transaction information to these individuals. 

I previously notified Western Union of concerns related to these transactions and was issued internal complaint reference numbers # XXXX and # XXXX, demonstrating prior notice. Despite this, Western Union provided no data-breach notification, no investigation findings, and no remediation. 

On XX/XX/XXXX, I filed a police report with the XXXX XXXX Police Department documenting impersonation, harassment, criminal threats, and suspected misuse of my personal and financial information ( XXXX  Tracking No. XXXX ). 

Western Unions failure to safeguard my information and failure to notify me after actual knowledge caused significant emotional distress, fear, and reputational harm. I am requesting that the CFPB require Western Union to explain how transaction-specific data was accessed by unauthorized parties and why no breach notification was issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: PA

Complaint narrative:
i was given a virtual debit XXXX card as part of a class action settlement.The company who issued the card had blocked the original card worth {$25.00} but issued a new card when i verified myself on the phone .However they are repeating the same blocking on the new card that was just issued in XX/XX/year> without explanation why! .When i explained that this was the second time they did this and that they had previously verified me AND GAVE ME A NEW CARD WITH A NEW NUMBER .However this time a supervisor XXXX XXXX thats all he would give from black hawk the issuer of the card did not Help. He says the company wants me to send a copy of my license and the original email i received that gave me the gift card which was months prior and which is no longer available .This all seems to be a scam they issued the card blocked it said they issued another but blocked that when i confronted them with my findings that i believe they are trying to steal my identification and are trying too scam me .The second virtual card had to have been working as i was able to add it to my prepaid card center ( picture attached ) which black hawk offers to its clients to act as a holding vessel for your virtual cards i applied that to the center when i received the card .They said they could not help me AND UNBLOCK NOW THE SECOND CARD without my id and the original email that offered the virtual card, This can not be legal i received the card .i gave them all the account information my name and address but they want information that makes me vulnerable to fraud .I believe black hawk is. a division of XXXX XXXX which was XXXX XXXX  from what i can research .Is their ISSUING BANK .PLEASE HELP ME USE THESE FUNDS WHICH ARE MY FUNDS AND ARE BEING WHAT I BELIEVE TO BE STOLEN AT THIS POINT BY BLACK HAWK AS THEY OFFER NO REASON FOR BLOCKING THE CARD AT ALL!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FL

Complaint narrative:
Disputed claim denial reference # XXXX. Wells Fargo Bank On or around XXXX a debit card claims was made by this buyer/depositor as to hotel & lodging services being defective and/or not as described at staybridges suites, given ref # XXXX by the banking institution. On XX/XX/year> two followup emails with a detailed summary of the incident and nine photos supporting such were sent to the claims department, who confirmed by phone conference it had received said content. 


The claims summary with the 9 photos clearly expressed and documented deplorable and defective conditions and unfulfilled services by the seller/merchant XXXX XXXX as to room & board. The conditions were never corrected by the staff onsite as promised and agreed to once informed of said conditions. Ultimately, on XX/XX/year> this buyer checked out of the sellers facility with none of the issues resolved. On XX/XX/year> this buyer contacted the sellers XXXX or customer care department with no resolutions, as well. 

On or around XX/XX/year> the institution by letter determined adequate services were provided by the seller and declined to honor this buyers claims. On XX/XX/year> and XXXX/XXXX/XXXX  this buyer contacted by phone and email the institutions claims department for the appeal or executive review on the claims, and for copies of this institutions supporting documentation supporting its denial of buyers claims as the letter expressed. To date no review, executive escalation, nor supporting documentation has been provide to this buyer/depositor by the institution on the claims. The institution even misguided this depositor to a socalled business resolution team that did nothing but waste time and staled any remedy to the matter.

It seems, there was no research and investigation, or it was done incorrectly, by the institution into the buyers claims, the letter determination and sent buyer was a generated/automated boilerplate form which can not be substantiated, in fact, the institution expressed on one the calls it had no criteria or protocol to follow on disputes for defective or not as described services if was the subject of a transaction though its a claim it states on its form or upon calling it's department a depositor can make. 

Accordingly, the amounts of {$540.00} and {$590.00} were taken from this buyers/ depositors accounts with any overdrafts, fees and penalties as to any of its accounts affected by such to which this institution took action on or around XXXX and to date. 

The actions of the institution were erratic and arbitrary. 

Respectfully, XXXX XXXX XXXX, XXXX XXXX  XXXX # 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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
on XX/XX/XXXX I purchased items from XXXXXXXX XXXX in XXXX, which I did not receive because the XXXX XXXX lost the package. It was " lost '' while the courier had it in his truck to deliver. Instead of stating that the package was lost in his possession, he lied and said he attempted delivery, but my building was locked and he didn't have access code. I immediately called XXXX XXXX to let them know this was impossible because we have XXXX hour concierge who is signer for all packages, and no access code because our doors are unlocked XXXX hours. I called XXXX XXXX every day for XXXX  days asking for the package redelivery, and on the XXXX day spoke to supervisor XXXX who informed me that the package had been lost while in route to my address. I was told I couldn't file a claim that only the seller could do this. I contacted the seller XXXX times and got no reply, but was told by XXXX XXXX that ganga fashions had already filed a claim for the lost package. I am out XXXX for the clothing and XXXX for tarrifs paid for a package XXXX XXXX lost. I was not reimbursed in any way. I filed a dispute with chime bank, and told them exactly this same information, as well as uploaded XXXX documents regarding the package not being received because delivery lost it. I also provided the name and phone number of the supervisor who actually marked the package lost. The dispute was filed on XX/XX/XXXX and today is XX/XX/XXXX. I was just notified that my claim was denied. This tells me that they didn't ever do an investigation because they would have approved it if they had even called XXXX XXXX. I want my claim approved as it is insured in my bank

Company response to consumer: Closed with explanation