vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: MI

Complaint narrative:
I am disputing a medical ( dental ) collection account reported by First Federal Credit Control ( Account No : XXXX ). This debt is not valid. The services in question were provided in 2021 and, according to my records, were paid in full by my insurance at the time. The balance being reported appears to result from a later claim issue or resubmission, not from any legitimate unpaid obligation on my part. I formally requested validation of this debt, including an itemized statement, proof of any insurance recoupment, and documentation showing I am financially responsible. To date, the company has failed to provide sufficient evidence to support the validity of the debt. Despite this, the account continues to be reported and has been verified without proper documentation. This raises serious concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that First Federal Credit Control : * Provide full validation of the debt, including documentation supporting the balance and proof of my responsibility ; or * Immediately cease collection efforts and delete this account from all credit reporting agencies if they can not properly validate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting a complaint regarding the handling of my loan payoff by Service Finance Company. A payoff check was sent by XXXX XXXX XXXX XXXX on my behalf more than a week ago to satisfy the full remaining balance of my loan. As of today, the payment has not been properly applied or reflected on my account. Despite the funds being sent and likely received, my account still shows an active balance and no confirmation of payoff has been provided. I have attempted to obtain confirmation and clarification, but the company has not provided a clear response or resolution. This delay is unacceptable and may result in inaccurate credit reporting, which could negatively impact my credit profile. I am requesting that Service Finance Company immediately process the payoff, update my account to reflect a XXXX balance, ensure accurate credit reporting, and provide written confirmation that the loan is paid in full.

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 2026-04-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint against TD Bank regarding a fraud claim that has not been properly handled. On or around XX/XX/XXXX, I was the victim of a scam in which a person impersonating a bank representative deceived me into providing a verification code. As a result, unauthorized transfers totaling approximately {$5000.00} were made from my account to XXXX XXXX. I reported the incident to TD Bank the next morning and filed a fraud claim. I was told that I would receive provisional credit within XXXX days. However, it has now been over XXXX weeks, and I have not received any provisional credit or clear updates regarding my claim. I have also filed a police report regarding this incident. Despite my timely reporting and cooperation, TD Bank has not fulfilled its obligation under Regulation E to provide provisional credit within XXXX business days for unauthorized transactions. I would like TD Bank to : XXXX. Immediately provide provisional credit for the disputed amount XXXX. Clearly state the status of my claim XXXX. Confirm whether my case is being treated as fraud I believe I acted promptly and in good faith, and I am requesting a fair resolution of this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 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: KY

Complaint narrative:
Its been over XXXX XXXXars mind you that Ive had an active cash app account cause they said I violated the terms i was hacked .. the fact their still punishing me for something I didnt do is insane to me and I still dont know which violation Ive committed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a letter, dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt is a Notice of Garnishment. It told me to make arrangements and submit first payment to his office within XXXX days from XX/XX/XXXX. Claimed I owed XXXX XXXX {$7200.00}. Further added that I am working with XXXX XXXX XXXX XXXX XXXX I am no longer working with the XXXX XXXX XXXX XXXX XXXXXXXX. I have been unemployed since XX/XX/XXXX, forced to leave because of XXXX XXXX XXXX XXXX XXXX XXXX ). I have been applying for work in other places, found nothing yet. I have no income. I am receiving a monthly pension check, which is a public pension. If I do not have that, my family and I will experience continued, aggravated hardship. Please stop XXXX XXXX, please stop credit card lawyers XXXX and XXXX XXXX, please stop credit card company Bank of Delaware XXXX XXXX XXXX ) from threatening to take away the little money I have.

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 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: AE

Complaint narrative:
I am formally disputing a missing ACH transfer in the amount of {$2000.00} between UFB Direct ( Axos ) and XXXX XXXX Bank. Timeline : XX/XX/XXXX {$2000.00} transferred from my XXXX account to UFB Direct XX/XX/XXXX Funds posted to my UFB account XX/XX/XXXX UFB removed {$2000.00} stating insufficient funds and returned to XXXX. However, the funds were clearly available in the XXXX account. ( See attached statements ). XX/XX/XXXX - Present Funds still not received at XXXX XXXX has confirmed : The funds were successfully debited from my account No ACH return has been received The ACH trace number provided by Axos does not correspond to any returned funds This indicates that the funds were not successfully returned through the ACH network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX I got a phone call from the XXXX XXXX XXXX XXXX customer service line which is the same number on the back of the XXXX XXXX XXXX XXXX debit card stating that someone was trying to scam me in Indiana. He proceeded to tell me that they had gotten access to my money and he was going to investigate to try to get the money back .. after the phone call I looked in my account and all of my accounts for checking was zeros, I cash advance on my home equity was made, and a cash advance on my credit card was made all transferred to the cash app where the scammer added the money to cash app and then deducted the money from my account to their account. I called the president of the XXXX XXXX XXXX XXXX in North Carolina immediately I was hysterical, but he didnt seem concerned. He brushed it off like he didnt know if there was anything he could do. Told me to call back in XXXX days. I call back in XXXX days when the money hard posted. Now its been XXXX days and Ive not heard anything from anybody. Ive also filed a compliant with cash app. Im getting nowhere with them. Please help me. I have no money because I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX used to use Wells Fargo as their credit card provider and moved to a new card provider XXXX XXXX. as part of this process they allowed us to do a balance transfer or pay off the card balance. I selected to transfer the balance with XXXX. However, wells fargo shared that there was an outstanding balance so I paid the XXXX thinking that it would XXXX out the balance and nothing would be transferred. However, Wells Fargo transferred the full XXXX balance to the new provider even after it was paid off and now I was billed the XXXX again with XXXX XXXX. I need to have the paid balance reported by Wells Fargo to XXXX Column so they can credit me back the twice paid balance XXXX XXXX I received a notification that my balance transfer is being processed XXXX XXXX the new balance was attached to the XXXX credit card with Column NA XXXX XXXX the balance was paid off in Wells Fargo XXXX XXXX the amount of the duplicated balance was further paid again to bilt ( Column NA ) as I didn't want a negative impact on my credit score and I need a refund from XXXX as they should have received an update from Wells Fargo that the balance previously transferred was paid off. Called in to submit a complaint directly XXXX Called again XX/XX/XXXX XX/XX/XXXX I recieved a written response from Wells Fargo XXXX the balance was paid off but not acknowledging the transfer of that same balance to Bilt and that they wanted to close my complaint. Told to contact XXXX but XXXX only had information on the original balance transfer but not the pay off at Wells fargo. CFPB complaint was submitted In summary- Wells fargo had an outstanding balance of XXXX, transferred that amount to XXXX, I paid off Wells fargo fully for that amount, I was charged again by Bilt for the XXXX resulting in me paying XXXX total instead of XXXX since Wells Fargo did not correct or report the paid off balance that was part of the the balance transfer. Wells fargo is telling me to contact bilt, bilt is only saying they received the balance transfer but not the correction from Wells Fargo that I paid it off.

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 2026-04-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check from a large, leading Title company into my checking account. The Title company verified that the funds were deducted by Chase bank from their account the next day. Yet after XXXX entire week, Chase bank still has not posted the money to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: MS

Complaint narrative:
I erroneously sent money to a closed Cash App account even though Cash App is stating the money transfer was completed. The recipient has not accepted the transfer because they dont use the Cash App account. Cash App wont refund me my money even though the transfer status was pending for XXXX days. Cash App is stating the transfer was successful but can not verify or show that the recipient accepted the transfer. The recipient is a friend of mine and doesnt have the Cash App account or app because she closed it over a year ago. I have repeatedly requested my {$60.00} returned from Cash App because they know they cant prove that the recipient accepted the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: TX

Complaint narrative:
. ) I am filing a complaint regarding incorrect and disputed information on my auto loan. I purchased a vehicle on XX/XX/year>. Shortly after, the vehicle had mechanical issues and I returned it to the dealership. Without my authorization, the dealership transported my vehicle to XXXX XXXX for repairs. I did NOT take the vehicle there, did NOT authorize any repairs, and did NOT communicate with XXXX XXXX before the vehicle was taken there. I am now being told by Westlake Financial that I was the one who dropped off the vehicle at XXXX XXXX and that I abandoned the vehicle. This is false. Additionally, a warranty claim for approximately $ XXXX was opened and repairs were authorized without my consent. I never signed any repair authorization, never gave verbal authorization, and never activated any warranty through XXXX XXXX. I have been informed that the vehicle was actually dropped off by someone associated with the dealership. A XXXX XXXX manager indicated that a different individual was listed on file, not me. I was also told that XXXX was the person who brought the vehicle in, not me. I have attempted to obtain documentation from XXXX XXXX, the warranty company, and Westlake Financial, but have been denied access to records showing who authorized the repairs or opened the claim. I am formally disputing : Any claim that I dropped off or abandoned the vehicle Any statement that I authorized repairs Any use of my name or information without my permission I am requesting : All account notes and records related to XXXX XXXX Documentation showing who dropped off the vehicle Documentation showing who authorized repairs Any signatures, phone numbers, or communications used Correction of any false information reported on my account This situation appears to involve unauthorized use of my information and possible misrepresentation. I need this investigated and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App closed my account on XXXX XXXX the time I had about {$450.00} in the Cash App wallet.i tried to instantly transfer the money in which Cash App took about a {$8.00} fee which left XXXX to get transferred into my linked card which is my bank account.the money never transferred into which I proved Cash App with documents showing I never received the money to my bank account.doesnt seem like their trying to rectify the situation because everytime we communicate I get the same messages as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'This is a formal Whistleblower Disclosure regarding systemic asset suppression and record falsification by JPMorgan Chase. This filing follows a direct discovery of criminal identity theft used to block the reclamation of the XXXX XXXX.\nTimeline and FactsXXXX XXXX XXXX XXXX XXXX Formal notice was served to the U.S. Supreme Court regarding the suppression of assetsXXXX XXXX XXXX XXXX XXXX: A criminal incident report was filed with the XXXX XXXX XXXX (Submission XXXX XXXX XXXX XXXX for False Statement to Obtain Property/Credit.\nSubject Matter: Misappropriation of XXXX XXXX XXXX and XXXX XXXX totaling $XXXXTechnical Identifiers: This matter is tracked under Code 61-NY-1980 and relates to Texas AG Case XXXX-XXXX.\nAction Taken:\nThe company has been requested to produce original contracts and historical records for XXXX XXXX XXXX XXXX. They have refused to show the contracts, choosing instead to maintain falsified records that deny the existence of these assets. This refusal constitutes the suppression of family estates.\nDesired Resolution: Recognition of the criminal filing XXXX XXXX XXXX XXXX XXXX and the immediate correction of falsified estate identifiers to allow for the lawful disbursement of funds as instructed by the authorized Executor.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
I obtained a residential renovation loan for a property in XXXX XXXX, CA, which closed on XX/XX/XXXX. The loan was structured to fund both acquisition and construction through a controlled draw process administered by the lender. Following closing, the lender approved and disbursed construction funds to the general contractor. These disbursements were made despite missing or insufficient documentation, lack of proper verification of work in place, and without adherence to required draw procedures outlined in the loan agreement. As a result of these failures in loan administration, funds were released for work that was incomplete, noncompliant, or not properly verified. The contractor ultimately abandoned the project in XX/XX/XXXX, leaving the property in a partially completed and exposed condition. The lenders actions during the construction phaseincluding improper disbursement of funds and failure to follow required oversight proceduresdirectly contributed to the projects disruption and financial imbalance within the loan. In addition, required risk controls under the loan were not properly maintained. Builders risk insurance, which was a condition of the loan, was not effectively administered, resulting in a lapse in coverage during active construction. This failure eliminated a critical protection mechanism and increased financial exposure when damage occurred. Following the contractors termination, the project could not move forward due to the lenders failure to provide a clear path for transition, continued administration, or resolution of the loan. Beginning in early XXXX, I made multiple written requests for a formal payoff demand in order to refinance the loan and complete the project. Despite these requests, the lender has failed to provide a timely and actionable payoff statement. This failure is preventing me from securing replacement financing and resolving the loan. As a result of the lenders inaction and failure to properly administer the loan, I have experienced : * Continued interest accrual without project progress * Inability to refinance or exit the loan * Extended project delays * Significant and ongoing financial harm Additionally, the payoff amount being asserted does not appear to reflect an accurate accounting of funds properly disbursed relative to verified work completed, particularly given the incomplete state of construction and the lenders failure to follow required disbursement procedures. At this time, I am ready and able to satisfy the loan and proceed with completion of the project, but the lenders failure to provide a payoff demand and proper accounting is preventing resolution.

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I am filing this complaint againstXXXX XXXX XXXX XXXX ( XXXX ) for inaccurate credit reporting and failure to reconcile an account following an insurance settlement. My vehicle was involved in an accident on XX/XX/XXXX. Following a lengthy insurance investigation, a settlement check of {$27000.00} was issued. While I was in the process of coordinating the delivery of these insurance funds, TMCC prematurely charged off my account and transferred it to a third-party collector ( XXXX ) on XX/XX/year>. In XX/XX/year>, I mailed the insurance settlement check of {$27000.00} to XXXX. According to Toyotas own " Explanation of Calculation '' ( attached ), my balance after applied warranty and XXXX credits ( {$4500.00} ) was only {$26000.00}. this means the insurance payment I provided actually exceeds the remaining balance by over {$800.00}. Because the check I provided ( {$27000.00} ) is {$800.00} higher than my remaining balance, there is no deficiency. However XXXX is still reporting a " Charge-Off '' to my credit bureraus and claiming a deficiency of {$3600.00}. They are essentially trying to keep my warranty refunds and the full insurance check without reconciling the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Billing and reporting errors on my account are negatively impacting my credit and must be corrected immediately. Under the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX ( b ), creditors are required to accurately apply and reflect all payments and credits. However, multiple violations have occurred, including failure to properly record payments I made and clear calculation errors in the reported balances. Additionally, I was not provided with the required XXXXday notice prior to the payment due date. As a result, any late payment reporting associated with these deficiencies is invalid and must not be reported. These inaccuracies constitute violations of federal law and are causing unjust harm to my credit standing.

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