vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I made a purchase from an online merchant called XX/XX/XXXX( XXXX XXXX ) on XX/XX/scrub> 2026, for the amount of {$110.00} using my Cash App card after adding funds from my bank account. Shortly after placing the order, I became concerned that the website might be fraudulent. On XX/XX/scrub> 2026, I contacted the merchant and successfully canceled the order. I have proof showing that the order was canceled. Despite the cancellation, I never received a refund from the merchant. After waiting several days with no response from the merchant, I filed a dispute with Cash App and provided supporting documentation, including proof of cancellation and communication with the merchant. My dispute was denied without a clear explanation. I contacted Cash App multiple times to understand why, but I was told the transaction was completed and that no further action could be taken. I then submitted an appeal with the same supporting evidence, but the appeal was also denied. It has now been over a month since the order was canceled, and I have still not received my refund. I attempted to dispute the transaction again, but I was told I am no longer allowed to submit another dispute. I am requesting that this case be reviewed again, as I canceled the order and never received the refund. I believe I am entitled to have my funds returned. I have documentation to support my claim and am requesting a proper investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Consumer Reporting Agency XXXX XXXX XXXX XXXX XXXX Chexsystems Subject : Formal Dispute of Inaccurate Consumer Report Information Dear XXXX or XXXX, I am writing to formally dispute inaccurate information contained in my consumer report, including data associated with XXXX XXXX XXXX The report includes incorrect and/or unverifiable information related to the following financial institutions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reviewed my consumer report and determined that certain entries associated with these institutions are inaccurate, incomplete, or do not belong to me. This misinformation has adversely affected my ability to obtain and maintain banking services. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am requesting that you conduct a thorough reinvestigation of these items. Specifically, I request that you : Verify the accuracy of all information reported under my name, XXXX XXXX XXXX XXXX. Remove any information that can not be properly verified or is found to be inaccurate or incomplete. Provide me with a written description of your investigation process and the results. Send corrected reports to any parties who have accessed my report, as required by law. Please note that reporting inaccurate consumer information may constitute violations of federal and applicable state laws, including potential liability under consumer protection and false reporting statutes. Enclosed are copies of identification and any supporting documentation to assist in your investigation. This letter serves as a formal dispute, and I expect compliance with the FCRA requirement to complete the investigation within 30 days. If you require any additional information, please contact me Thank you for your prompt attention to this matter. Sincerely, 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 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Wells Fargo Bank XXXX Bank XXXX XXXX XXXX Subject : Formal Notice to Correct Account Information and Records To Whom It May Concern, I am writing to formally notify you that any accounts opened under my name, XXXX XXXX XXXX, were done without my knowledge or consent. These accounts are unauthorized, and I dispute any association with them. Under applicable federal and state laws, including but not limited to identity theft and fraud statutes, you are required to conduct a thorough investigation and ensure that your records accurately reflect that these accounts were not opened by me. Please be advised that maintaining inaccurate information may constitute violations of consumer protection laws and may subject your institution to legal liability. Additionally, pursuant to California Penal Code 530.5 ( Identity Theft ), it is unlawful for any person to willfully obtain personal identifying information of another and use it for any unlawful purpose without consent. I am a victim under this statute, and I expect your institution to take this matter seriously. I request the following actions be taken immediately : Investigate all accounts associated with my name and personal information. Remove or correct any accounts or records that were fraudulently opened. Provide written confirmation that these accounts have been flagged as fraudulent and that I am not held responsible for any activity or balances associated with them. Ensure that any negative reporting to credit bureaus related to these accounts is removed. Failure to comply with this request may result in further legal action and complaints filed with the appropriate regulatory agencies, including the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Please send written confirmation of your investigation and actions taken within XXXX days of receipt of this letter. Thank you for your prompt attention to this serious matter. Sincerely, 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 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.

Complaint narrative:
I see a collection of XXXX dollars for the IC system INC account From XXXX XXXX XXXX, in my credit. I am filing this complaint regarding an account that appears on my credit report that does not belong to me. I have never opened or authorized this account. I previously disputed this withXX/XX/XXXX but they responded that the account was verified. However, I strongly Believe this information is inaccurate or fraudulent. I am requesting a full investigation and that this account be removed from my credit report immediately. Please provide proof that this debt belongs to me, including any signed contract or documentation. If this can not be verified with proper documentation, it must be deleted under the Fair Credit Reporting Act. Thank you.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
{$1000.00} was withdrawn from my Cash App account to a debit card that isnt mine on XX/XX/year> at XXXX. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: LA

Complaint narrative:
I am filing this formal complaint regarding inaccurate and unverifiable credit reporting by CREDIT CONTROL LLC concerning an alleged collection account from XXXX XXXX in the amount of {$560.00}, reported XX/XX/year>. The tradeline is materially incomplete and fails to meet the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ) requirement for maximum possible accuracy. Critical required data fieldsincluding account type, amount past due, and credit limitare listed as Not Reported, yet the account is still marked derogatory. This incomplete reporting indicates the furnisher can not properly verify the debt. Under the FCRA, any information that can not be verified through a reasonable investigation must be permanently deleted rather than updated. Additionally, continued reporting without providing competent debt validation violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), which prohibits deceptive or unfair collection practices. Reporting a debt to consumer reporting agencies constitutes collection activity, and without proof of contractual liability, chain of assignment, and proper validation, continued reporting is unlawful. I respectfully request the CFPB require an immediate investigation and compel permanent deletion of this tradeline from all consumer reporting agencies if full legal verification can not be produced.

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 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I am a fulltime government employee with continuous qualifying public service employment since XXXX. I have submitted all required PSLF documentation, including multiple Employment Certification Forms and two PSLF Reconsideration requests. Despite this, MOHELA has not accurately applied the PSLF, Temporary Expanded PSLF ( TEPSLF ), or IDR Adjustment rules to my account. I submitted a PSLF Reconsideration on XX/XX/XXXX ( Case XXXX ) and another on XX/XX/XXXX ( Case XXXX ). Both reconsiderations remain open and unresolved. MOHELA has not completed a full audit of my account, has not corrected the known discrepancies, and has not provided a complete or accurate explanation for the exclusion of multiple eligible months. I contacted MOHELA numerous times throughout XXXX and XXXX regarding these discrepancies, but the servicer did not correct my qualifying payment count or provide a regulatory explanation. The errors include : XXXX repayment months that should qualify under TEPSLF because I was in eligible employment and making payments under a nonqualifying repayment plan. COVID administrative forbearance months ( XXXX XXXX XXXX ) that should automatically count toward PSLF under federal guidance. IDR Adjustment months that should be credited for periods of repayment, forbearance, and deferment as outlined by the Department of Education. Certified employment periods that MOHELA has acknowledged but has not fully credited. I currently have an open case with the Federal Student Aid Ombudsman, and I have provided all required documentation. Despite this, MOHELA has not corrected my qualifying payment count or provided a regulatory basis for the months they have excluded. Their responses have been inconsistent, incomplete, and not aligned with federal PSLF, TEPSLF, or IDR Adjustment guidelines. Given the federal guidance in place, the months MOHELA has excluded should not be excluded under PSLF, TEPSLF, or the IDR Adjustment, and the contin ued delays are preventing the lawful application of credit I have earned. Once these rules are correctly applied, my qualifying payment count should reflect over 120 eligible months. I am requesting that the CFPB require MOHELA to : 1. Conduct a full audit of my PSLF qualifying payment count. 2. Apply all eligible months under PSLF, TEPSLF, and the IDR Adjustment. 3. Correct any missing or misapplied employment periods. 4. Coordinate with the Federal Student Aid Ombudsman to ensure my record is accurate and complete. I have maintained continuous qualifying employment for over a decade and have complied with all federal requirements. The ongoing servicing failures are preventing the accurate application of PSLF credit that I am entitled to under federal law.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 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: VA

Complaint narrative:
Complaint Regarding Citibank Dispute Handling I am writing to file a complaint about how Citibank handled my dispute for a transaction on XX/XX/year> in the amount of {$2000.00} ( XXXX XXXX WA ). I honestly feel that my case was not properly reviewed. As soon as I realized something was wrong with these transactions, I contacted XXXX immediately the same day to cancel them. I did not wait or ignore the situation. I acted right away because I believed I was dealing with a scam. I also received communication indicating that the transactions were cancelled, which made me believe the issue was being handled. However, later on, I was told that some transactions were completed, without any clear explanation. The information I received from XXXX has been inconsistent and confusing from the beginning. What concerns me the most is that neither XXXX nor Citibank has provided any actual proof that the money was successfully delivered to or withdrawn by the recipient. I have repeatedly asked for this, but it has never been clearly shown. Despite all of this, Citibank denied my dispute, stating that I did not follow the merchants cancellation policy. I do not believe this is accurate, because I contacted the company immediately and followed up as best as I could. I feel that my situation was not fully considered, and that the decision relied too heavily on the merchants statements without verifying the facts. I am respectfully asking for my case to be reviewed again, and for a fair evaluation based on all the evidence, including the lack of proof that the funds were actually received. This situation has caused me significant stress and financial loss, and I would really appreciate a proper and thorough review. Sincerely, 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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Block, Inc.
State: PA

Complaint narrative:
Cash app said i violated it's terms and closed my account and said I could not open a new account because the email and password were hacked and being used to send bitcoin to XXXX all of my credit cards were being sent to various addresses I had to way of knowing my identity was stolen including my driver 's license the hackers made false accident claims on my auto insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I am filing this complaint against CKS Prime Investments , LLC regarding an alleged debt that has not been properly verified. The account is associated with XXXX XXXX XXXX ( account ending in XXXX ) with a reported balance of approximately {$930.00}. My credit report indicates that this account was charged off and later sold ; however, I have not received sufficient documentation to validate the debt or confirm the legal ownership of the account. I previously received collection-related communication, but I have not been provided with documentation showing : - A valid agreement or contract bearing my signature - A complete chain of assignment from the original creditor to CKS Prime Investments , LLC - A full and accurate breakdown of the amount being claimed Additionally, I have become aware of lawsuit activity related to this account, yet the debt remains unverified. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), information furnished to consumer reporting agencies must be accurate and verifiable. At this time, I do not believe this account meets that standard. I am requesting that this matter be investigated and that any information that can not be properly verified be removed. I also request that this account be marked as disputed during the investigation. This complaint is not an acknowledgment of liability but a formal dispute of the validity and accuracy of the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing multiple unauthorized hard inquiries on my credit report. I did not provide direct permission or permissible purpose for the following companies to access my credit : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I did not authorize each of these companies individually to obtain my credit report. These inquiries appear to be the result of my information being shared without my explicit consent. Under the Fair Credit Reporting Act, all inquiries must have a valid permissible purpose. I am requesting that these unauthorized inquiries be fully investigated and removed from my credit report immediately. Please provide proof of authorization for each inquiry or delete them accordingly.

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 2026-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I am submitting this complaint regarding a hard credit inquiry that was placed on my credit report without my clear understanding or informed consent. On or about XX/XX/XXXX, I was at a retail store and believed I was signing up for a rewards or loyalty program. At no point was it clearly explained to me that I was applying for a line of credit or authorizing a hard inquiry on my credit report. I did not knowingly or intentionally consent to a credit application. Shortly after, I became aware that a credit account had been opened with Synchrony Bank and that a hard inquiry was placed on my credit report. I immediately took action to close the account once I realized what had occurred. I disputed this matter previously, but the inquiry remains. I believe this inquiry was the result of misleading or unclear communication at the point of sale, and therefore does not represent a fully informed authorization. I am requesting that Synchrony Bank conduct a thorough investigation into this matter and remove the unauthorized hard inquiry from all credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX I have made a good faith effort to resolve this issue directly, but have not received a satisfactory resolution. I respectfully request your assistance in correcting this matter. Thank you for your time and attention.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am reporting a fraudulent credit card account that was opened in my name without my knowledge or authorization. I recently received two conflicting letters from the company regarding this account. A letter dated XX/XX/year> stated that the account was closed due to suspicious activity, that a provisional credit was issued, and that the company was still investigating. That letter also listed a transaction dated XXXX for {$19000.00}, which is impossible and does not correspond to any account I have ever opened. However, a second letter dated XX/XX/year> stated that my fraud claim was denied, claiming the charges were made by me or someone authorized by me. The company did not provide any explanation of what evidence they relied on, how they concluded the charges were authorized, or whether they reviewed any identitytheft documentation. These two letters contradict each other, and the company has not provided any investigation records or documentation supporting their decision. I have never opened any credit card account with this company, and I dispute the account entirely. I requested copies of all documents used in their investigation and a full reversal of their denial, but the company has not provided this information. I am requesting CFPB assistance to obtain the investigation file, correct the companys determination, and remove any association of this fraudulent account from my name

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 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am submitting this rebuttal in response to the statement provided by National Credit Systems regarding my previous complaint XXXX. In their response, National Credit Systems stated that this does not appear to be a debt held by NCS in XXXX, GA, and that they are unable to locate the account based on the information available. This response raises serious concerns. If National Credit Systems is unable to identify or locate the account, then they can not lawfully verify or report this account to any consumer reporting agency. Despite this, the account is currently being reported on my credit report, which constitutes inaccurate and unverifiable reporting in violation of the Fair Credit Reporting Act ( FCRA ). A company can not continue to report a debt that it can not identify, validate, or substantiate. Their inability to locate the account demonstrates a clear failure to conduct a reasonable investigation and confirms that the information being reported is unreliable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
I sent XXXX dollars to the wrong person. The account I was trying to send it to was XXXX an account Ive sent money to. And some how it was sent to XXXX XXXX. Im confused about how it popped up as XXXX and some how I sent it to XXXX and now theres no way to get it back.

Company response to consumer: Closed with explanation