vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-31 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: FL

Complaint narrative:
On XX/XX/year>, I made a purchase at XXXX XXXX in the amount of {$530.00}. The transaction was completed in-store but processed as an online order at the register. Approximately one week later, I was contacted by the merchant and informed that the items were out of stock and on backorder with no definite restock date. I was given the option to wait, choose alternative items, or receive a refund. I chose a full refund and was told it would be processed immediately over the phone, with an expected timeframe of seven business days. After seven business days passed with no refund received, I contacted the store and was told the refund appeared to have been processed on their end. I was then directed to contact corporate customer service. Over the next several weeks, I attempted to resolve the issue directly with the merchant, calling multiple times per week and receiving inconsistent responses. On XX/XX/year>, I visited the store in person for further clarification. A store representative acknowledged the issue and suggested I contact my financial institution, Cash App, to resolve the matter. I filed a dispute with Cash App regarding this transaction. However : I have not received any provisional credit I have not been able to communicate with anyone directly handling my dispute I have been given inconsistent and unclear timelines I have not received any meaningful updates or resolution This is not a dispute regarding product quality or delivery. The merchant has acknowledged that the items were unavailable and that I am owed a refund. Therefore, this is a straightforward case of a canceled transaction with a missing refund. Under Regulation E ( Electronic Fund Transfer Act ), Cash App is required to conduct a timely investigation and provide provisional credit when appropriate during the investigation process. Cash App has failed to meet these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
I am filing a complaint regarding a cleared balance transfer check that has not been applied to the intended account, and the issuing bank has failed to initiate a proper recovery process. On XX/XX/year>, Navy Federal Credit Union issued a balance transfer check for {$1800.00} to XXXX XXXX XXXX XXXX ( XXXX XXXX ). Check details : Amount : {$1800.00} Check number : XXXX Cleared date : XX/XX/year> The check has been confirmed as cashed and processed through XXXX XXXX as the bank of first deposit. However, XXXX XXXX has confirmed they can not locate or apply the payment. Despite this, Navy Federal has stated they are unable to assist and advised me to contact the other bank. This response is inadequate because the issuing bank is responsible for initiating a bank-to-bank reclaim or indemnity request for a cleared check that can not be located. I am requesting that Navy Federal initiate a formal reclaim investigation to trace and recover the funds through the banking system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Braviant Holdings, LLC
State: KY

Complaint narrative:
An account from XXXX XXXX appeared on my credit report, and I have been unable to obtain clear information about the original debt, the amount owed, or how the balance was calculated. I contacted the company multiple times to request verification and documentation, but I either received incomplete information or no meaningful response. Despite my attempts to resolve the issue, the account remains on my credit report and continues to affect my financial situation negatively. Because I have not been provided with proper validation or a clear explanation of the debt, I am submitting this complaint to have the matter reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered an XXXX XXXX from XXXX on XXXX of XXXX. Products were never received and delivered to the wrong house ( proof ). I contacted their support team and the XXXX service ; both acknowledged my parts got delivered to the wrong house ( proof ). XXXX was going back and forth with me on a reduction, however they stopped relying to my emails after a couple days even when I would still try to reach back ( proof ). This left me no choice but to contact the bank for unreceived goods. XXXX was aware of this as they sent me an email XXXX weeks after I had filed a complaint saying they were aware of it. Bank sided with me, however XXXX MONTHS later, XXXX decided to file a complaint with my bank and my bank took their side for no reason at all! When I called my bank all they told me is yes we gave them the money back because they want to talk to you, they have your money now ready to disburse to you. Sounds great right? However whenever I called and emailed them, all XXXX told me was that they had no idea what I was talking about. They told me to kick rocks and any resolution would be between me and my bank. Contacted my bank several times and they gave me different answers each time as to why there was a chargeback on my account. This is what that company does from what it seems, they just stop replying to you so you can take it up with the bank ; then couple months later they strike out of nowhere and tell you go solve it with your bank when they fail to deliver their goods. I have proof of everything! From emails to photos, everything that shows how I was let down by shady business practices & a bank who refuses to give me a straight forward answer or even look at the proof I gave afterwards.i have more emails and photos that I can show of anything, will need to look up the emails again if asked

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I ( a black-American combat veteran ) attempted to deposit my workers compensation settlement check at Wells Fargo XXXX XXXX highway XXXX XXXX Texas XXXX XXXX XXXX XXXX aprox. XXXX and it was denied. The XXXX ( XXXX XXXX XXXX, forgot his last name but I have his card ) told me he thinks the check is fake, it doesnt look like other XXXX XXXX, was his response. I had to walk XXXX miles to the bank so I was a little sweaty. He refused to take necessary steps to verify the check. I asked did he call XXXX, the issuing bank ( XXXX XXXX ), or the associated law firm listed on the check? He responded he doesnt have to tell me his verification procedures. I asked if I was someone else I could speak to? He responded, theyre just going to say the same thing. I had the XXXX XXXX shipping document package, the cover letter from the law firm with every number of every party who had something to do with the signature chain of the agreement, my passport, social security card, ID, and birth certificate. The Department XXXX XXXX is on the letter as well as it had to be signed by them.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
Ally bank is still refusing to to give me my deposit out of a account that they closed wont give me any information about my money

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 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Blockchain.com, Inc.
State: NC

Complaint narrative:
In or around XX/XX/XXXX I tried to transfer my crypto funds from XXXX to XXXX. My account was subsequently locked and I have been unable to get any information regarding its status. I am only able to speak with associates over chat whom give no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
They stole my money So basically, I opened this account on XX/XX/XXXX. Im thinking and yesterday you heard about the complaint of me not having a debit card or access to my account. OK cool then I then I start using my account because the debit card came yesterday then I made XXXX transactions for {$250.00}. They were supposed to be transferred directly to XXXX XXXX but the Citibank account was saying that it was completed as you can see in my attachment, but XXXX never even caught it pending also they have a dummy account theyre saying. XXXX to XXXX on the cancellation email as it is shown in my attachment, but its going to the right account on the attachments that you can see from the online mobile app only have XXXX XXXX account and the last XXXX are not XXXX XXXX as attached I will show you the only account that I have so I feel like they made a dummy account and took my money. Thats the only explanation for my money not being in XXXX or Citibank right now.

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 monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NE

Complaint narrative:
LVNV Funding/Resurgent Capital Services claims to be collecting a debt allegedly originating from XXXX XXXX XXXX XXXX XXXX XXXX XXXX has confirmed they have no record of this debt and advised me to file this complaint on XX/XX/year>. For the second time, LVNV has initiated legal action and garnishment without validating the debt. They failed to appear in court during the initial proceeding. I have not received any proof that this debt belongs to me, that LVNV legally owns it, or a detailed breakdown of the amount owed. I am formally disputing this debt and require full validation, which includes original account records, the complete account history, and proof of assignment. Furthermore, I demand the immediate cessation of all collection activities, including any and all garnishment. It appears they are attempting to collect a debt without adequate documentation, and enforcement is proceeding without proper verification. I request that the CFPB order LVNV/Resurgent to provide complete validation and immediately cease all collection activities until such validation is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd
State: VI

Complaint narrative:
On XX/XX/year>, I initiated a {$300.00} USD international transfer through Wise ( Transfer # XXXX ). Wise confirmed receipt of the funds. The transfer has been stuck in sending paused and verification status for several months. Current status : Wise has received the funds The transfer has not been completed The funds have not been returned The system does not allow cancellation ( transfer can not be cancelled ) I have provided all requested verification documents Wise is holding my funds without completing the transfer or returning the money. I previously filed a complaint, and the company responded without addressing the actual issue, stating only that the account type was not eligible. The funds remain held and inaccessible. This is a funds access issue. I can not complete the transfer, cancel it, or recover the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
In XX/XX/year>, I was the victim of a phishing-related account takeover that resulted in unauthorized access to my USAA checking account and a series of fraudulent transactions. Between approximately XX/XX/XXXX and XX/XX/year>, multiple transactions were executed from my account without my authorization, including : XXXX XXXX transactions totaling approximately {$5000.00} A funds transfer of approximately {$2500.00} Additional debit transactions of approximately {$1000.00}, {$950.00}, {$600.00}, and {$500.00} Additional disputed transactions across multiple claims The individual responsible had unauthorized access to my account and was operating independently. I did not initiate, approve, or benefit from these transactions. I reported the fraud to USAA immediately. In response, USAA took actions such as locking my cards, issuing replacements, and changing login credentials. However, despite these security measures, fraudulent transactions continued to be processed and approved on my account. This demonstrates that my account remained compromised even after USAA was notified and attempted to secure it. USAA initially issued temporary credits during the investigation process. However, all claims were later denied with the explanation that there was no evidence of fraudulent activity and that the transactions were authorized. The temporary credits were subsequently reversed, and I was held responsible for the losses. I strongly disagree with this determination. This was not a situation involving voluntary or authorized transactions. This was an account takeover in which an unauthorized party gained access and continued to execute transactions, even after mitigation steps were taken. Under the Electronic Fund Transfer Act ( Regulation E, 12 CFR 1005 ), unauthorized electronic fund transfers include transactions initiated by a person without actual authority and from which the consumer receives no benefit. The activity on my account meets this definition. USAAs determination appears to rely solely on internal account logs while failing to account for the fact that the account was compromised and actively being used by an unauthorized XXXX party. Additionally, the continued approval of transactions after the account was reported compromised raises concerns about the effectiveness of their fraud prevention and response procedures. I reported the issue promptly and fully cooperated throughout the process. Despite this, my claims were denied without sufficient explanation or supporting evidence.

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 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Received an egregious amount of money owed to the state of Maryland. Not sure what its for but I know I didnt borrow {$7800.00} from Maryland XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Savings 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: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I am filing a complaint regarding XXXX XXXX handling of my XXXX dispute. On or about XX/XX/year>, I authorized an ACH payment to a XXXX for a defined scope of residential rehabilitation services. The XXXX failed to perform substantial portions of the agreed work and abandoned the project after receiving full payment. This is not a dispute over qualitythe services were not rendered as agreed. As a result, I was required to hire additional contractors and incurred significant additional costs to complete the work. I provided Ally Bank with documentation supporting my claim, including invoices, proof of payment, and a formal demand letter outlining damages totaling approximately {$14000.00}. Despite this, Ally denied my dispute and declined to take action. My dispute was based on the transaction not being in accordance with the terms of authorization, as payment was made for services that were not performed. However, Ally treated this solely as a merchant dispute and did not appear to adequately consider the documentation provided. I am requesting that Ally Bank conduct a proper review of this matter as a case of misrepresentation and non-performance of services, and provide a clear explanation of their decision consistent with applicable XXXX dispute handling standards.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc
State: KY

Complaint narrative:
I obtained a line of credit through CreditFresh, and the repayment terms quickly became unmanageable due to the high fees and the structure of the required payments. I contacted the company multiple times to request assistance or a hardship option. Still, I was either told no adjustments were available or given limited information that did not resolve the issue. Despite my attempts to communicate and stay current, I was unable to keep up with the payments, and the balance continued to grow. Because I can not afford the amounts being claimed and have been unable to obtain meaningful relief from the company, I am submitting this complaint so the matter can be reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding the handling of a credit card dispute by JPMorgan Chase. I purchased a XXXX XXXX trip scheduled for XX/XX/XXXX through XX/XX/year>. The merchant canceled the trip due to weather conditions and stated that the trip could only be rescheduled to a future date rather than refunded. In good faith, I attempted to follow the merchants policy and reschedule the trip instead of immediately disputing the charge. The trip I purchased was a specialized multi day XXXX trip that is offered infrequently, limited to approximately XXXX XXXX, and typically booked well over a year in advance. After the cancellation, I periodically reviewed the merchants booking calendar in an effort to locate a comparable trip. However, no comparable trips were reasonably available for the remainder of the year, and the merchant provides no waiting list, cancellation alerts, or assistance in securing a new booking. Customers must monitor the calendar and compete for openings alongside new customers and other rescheduling customers. Once it became clear that the credit offered would not realistically allow me to obtain the service purchased, I filed a dispute with Chase. The dispute was denied as untimely. I then submitted a written billing error notice explaining that the delay occurred because I was attempting in good faith to comply with the merchants rescheduling policy before requesting a chargeback. Chase did not address the substance of this notice and instead referred me back to the same dispute department that had already denied the claim. I am requesting that Chase properly review this matter, including the circumstances surrounding the timing of the dispute and my good faith efforts to resolve the issue according to the merchants policy, and determine whether the charge represents a billing error for services not provided as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
I have a loan with BridgeCrest and I had a job loss. I communicated with them and they let me know that there was a scheduled payment that I was unaware of. They asked me if I want to cancel it and I confirmed with them. Yes I would like to please have that canceled. My account was overdrawn as they continued to take a payment without my authorization and I have screenshots and proof where I confirmed to please cancel my payment. They refuse to return the money and they claim they have no ability to stop it. I spoke with the bank and the bank said they absolutely have the ability and only they can stop it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BTH Management
State: TX

Complaint narrative:
I paid the debt. XXXX was XXXX Paid debt on XXXX

Company response to consumer: Closed with explanation