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: Supreme Lending
State: CA

Complaint narrative:
When I first contacted this individua ; via text she introduced herself as a XXXX XXXX Specialist. She told me about the credit repair services she performed and the timeline it would take her to bring my credit from the low XXXX to XXXX within weeks. At the time she worked with the Supreme XXXX XXXX and advised that she worked under relator XXXX XXXX XXXX # XXXX. I then convinced by her decided to start send her money for her services way before she ever completed any credit restoration services. I tried multiple times to reach her as I did her actions did not resolve pr reflect the results of what she had promised. I attempted to reach her to demand results and there was no response. As of today XX/XX/year>, I have tried to look for her and she is nowhere to be found. The number where she communicated through is no longer under her name and in her social media accounts, she has disappeared. I used the method of XXXX to pay her through two of my current credit union accounts, XXXX XXXX XXXX and XXXX XXXX XXXX. I used my old cellphone carrier and number ( XXXX ) XXXX which I discontinued after the passing of my late husband so I would not have any record of the text messages we sent to each other back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Climb Credit Inc.
State: CA

Complaint narrative:
I took out a loan through Climb Credit in XX/XX/2022 to attend XXXX XXXX XXXX XXXX XXXX XXXX The total loan amount was approximately {$22000.00}, which included tuition, living expenses, and fees. This was presented to me as an investment in a career path with strong job placement outcomes and high earning potential in the tech industry. These expectations were a major factor in my decision to take on this debt. However, after completing the program, I have not obtained a job anywhere near the type of salary or career outcome that was represented to me, even several years later. Additionally, I was classified as an XXXX in the program, and it is unclear whether the same expectations and representations should have applied to my status. This raises concerns about whether the program and financing were accurately represented to me. I am aware that the Consumer Financial Protection Bureau has filed a lawsuit against Climb Credit for misleading borrowers about job placement rates and salaries tied to these types of programs. My experience appears consistent with the conduct described in that case. I believe I was misled into taking on this loan based on inaccurate or exaggerated claims about career outcomes, and I am requesting investigation and potential relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was using my Wells Fargo checking account to deposit money into my XXXX XXXX accounts XXXX They are both online gambling accounts. I was depositing money in increments of $ XXXX {$5000.00}, totaling to roughly {$63000.00}. I only had about {$20000.00} in the account at the time, so my checking account went negative. In the same time frame I paid off my XXXX credit card but it bounced since the Wells Fargo account went negative, so my XXXX still has a balance on it. I had to then utilize credit cards to start getting my bank account positive but that ( as well as the XXXX bouncing and returning the payment ) only totaled roughly {$9000.00}, so I then had to apply and get a {$35000.00} loan for the rest of the negative balance. Wells Fargo should not have let my account go negative and approve all of those transactions.

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: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: GA

Complaint narrative:
hello my name is XXXX XXXX Cash App XXXX XXXX XXXX, We reviewed your account and found activity that violates our Terms of Service. As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. If you have an investing account and have questions, visit our Cash App Help Center or contact Support directly through your app. To withdraw any remaining funds : Tap the Banking tab on your Cash App home screen Tap Withdraw Select an amount Confirm with your PIN or Touch ID ( if enabled ) Your remaining funds will be available within 13 business days. If you decide to transfer your funds instantly, they should arrive momentarily. If you hold bitcoin in your account and wish to sell it, follow the steps here in Selling Bitcoin. To close a pool : From the money tab, scroll down and tap Pools Tap the Pool youd like to close Tap Close pool Confirm that any existing pool amount will be transferred to your cash balance, then tap Close pool For more help, visit our Cash App Help Center or contact Support directly through your app. If you hold stocks in your Cash App Investing account and wish to sell or transfer them, visit our Help Center for information on Selling Stock and Transferring Shares. Selling shares may have tax implications. If you have questions about your particular tax situation you should consult a tax advisor. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. Brokerage services provided by Cash App XXXX XXXX, member XXXX. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. Review the Disclosure Library for more on the risks involved with investing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
I sent them a debt validation letter because I noticed two different company names on my credit reports they never sent me any documents back and they continued try to collect the debt and called my father who is not authorized on my paperwork and not a cosigner on the loan and told them they were going to repossess my car so it intimidated me into making a payment

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: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} Insurance company has informed me my co pay for this visit was XXXX so requesting credit card company reverse charge back to XXXX XXXX XXXX since insurance paid claim in full attachment will show insurance company paid the full amount of {$390.00}. I am requesting credit be applied to the account in the amount of {$110.00}...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CO

Complaint narrative:
I just was able to open a chime account so I had my XXXX payment go to that account I noticed that XXXX dollars was missing I reported to chime to send me another card due to my card missing when I called chime to ask where my card was they had no record of it so XXXX had no card and no access to my account after the XXXX was missing on XX/XX/year> I filed a police report and they explained the hacking and to contact chime for my money back so I filed a dispute and they said in 2 days that no error found and chime would not take my police report or submission so immediately I asked to appeal and in doing that chime closed my account gave me 1 day to move my money that was left and in 1 day denied my appeal in meantime I am now behind on my rent before this when I'd try to sign up for chime they wouldn't allow me to get chime and I just get to finally use chime because of an unauthorized transaction and or transfer whichever it was they didn't refund my money back they closed my account when I called to appeal the agent asked if I new of XXXX dollars that was made by same person I said no so he said well let 's add that on too and get your money back to you I got nothing but a closed account when I called in on XX/XX/year> they did and would not give me any information I asked for except that my account will be closed and I can never use chime again I think this is unfair I did not authorize such transaction and a new account and they couldn't resolve in my favor they close my account and say I can never use chime again I would like my account reopen and my XXXX back into that account I could see if it was continuing and fraudulent but it was not I did not even have the account a full month this is wrong for chime too do

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-12 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: GA

Complaint narrative:
My acct was hacked then cash app closed my account verified I had XXXX $ XXXX then blocked me I called them n they just block me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I am disputing a collection account reported by Columbia Debt Recovery LLC related to Novel XXXX XXXX. The balance being reported is inaccurate and not properly supported. According to the move-out statement provided, my account shows total credits of {$1100.00}, including payments and a security deposit. However, only {$200.00} of the deposit appears to have been applied, and it is unclear why the full deposit was not properly credited toward the balance. Additionally, I dispute several charges listed, including painting, cleaning, and damages, as these appear to be routine turnover or maintenance costs rather than tenant-caused expenses. The property was left in good condition, and no supporting documentation such as photos, invoices, or receipts has been provided to justify these charges. I requested validation of this debt, including a full itemized breakdown, proof of how the balance was calculated after all credits, and documentation supporting each charge. This information has not been adequately provided. Despite disputing this account, it was verified without sufficient documentation. I believe the amount is inflated and not properly validated. I am requesting full validation of this debt, including proof of how the balance was calculated, documentation supporting all charges, and confirmation that the collection agency has legal authority to collect. If accurate documentation can not be provided, this account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am filing this complaint against USAA Federal Savings Bank. They violated the Electronic Fund Transfer Act and Regulation E. They also closed my account in retaliation after I disputed the fraud. My debit card was used without my permission on XXXX The fraud happened between late XXXX and early XX/XX/XXXX. I reported it right away in XXXX and XX/XX/XXXX. I gave USAA my FTC Identity Theft Report, police report, and proof that someone accessed my XXXX XXXX on XX/XX/XXXX at XXXX XXXX PST. The disputed transactions are these. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. Dispute ID XXXX for XXXX dollars. USAA took more than XXXX months to answer me. Their responses came in XX/XX/XXXX and XX/XX/XXXX. In their denial letters they wrote this exact statement. We have determined that there was not any evidence of fraudulent activity. We based our decision on the following information. Merchant provided valid documents that match the cardholder. USAA only sent me the same merchant paperwork from XXXX for every dispute. That paperwork shows the name spelled wrong as XXXX XXXX on all the orders. The merchant account was created on XX/XX/XXXX right before the fraud started. The seller wrote new buyer on the slips. All the packages went to my home address and were marked delivered to the front door. One report lists an IP address from XXXX Ohio. None of this proves I made the purchases. USAA never gave me any records from their own systems. They showed no device logs, no login history, no authentication records, nothing like that. After I pushed back on their denials and mentioned their past regulatory problems, USAA closed my bank account. They would not even wait for XXXX XXXX XXXX to fix a mistake on their end. This happened right after I exercised my rights under the law.

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: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a victim of identity theft. A fraudulent XXXX XXXX account was opened in my name without my knowledge or authorization. I provided Equifax with comprehensive proof of identity theft, including : An FTC Identity Theft Report filed under 15 U.S.C. 1681c-2 ( a ) ( 1 ) A police report documenting the identity theft A sworn statement that the fraudulent information does not relate to any transaction by me Based on this documentation, Equifax initially placed a block on the fraudulent XXXX XXXX account and deleted it from my credit report on XX/XX/year>, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B. However, Equifax has since : Rescinded the identity theft block without proper legal justification Reinserted the fraudulent XXXX XXXX account back onto my credit report Refused to reinvestigate the disputed fraudulent account despite my ongoing dispute and documented proof of identity theft Failed to provide required notification before reinserting the previously deleted fraudulent account There is currently an ongoing legal dispute in court regarding this identity theft matter, which further supports that this account is fraudulent. Equifax 's actions violate multiple provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681c-2 ( unlawful rescission of identity theft block ) 15 U.S.C. 1681i ( failure to reinvestigate and unlawful reinsertion of deleted information ) 15 U.S.C. 1681e ( b ) ( failure to ensure maximum possible accuracy ) I have provided clear, documented proof that this XXXX XXXX account resulted from identity theft. Equifax 's reinsertion of this fraudulent account as a legitimate debt is inaccurate, misleading, and harmful to my credit profile. Date account was initially deleted : XX/XX/year> Date account was reinserted : XX/XX/year> Ongoing court case : Yes, regarding this identity theft matter I am requesting that Equifax permanently delete this fraudulent account, reinstate the identity theft block, and comply with all FCRA requirements for accuracy and reasonable procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC.
State: KY

Complaint narrative:
I am submitting this complaint regarding a collection account that remains on my credit report despite my prior dispute and request for validation. I previously disputed this account and formally requested that the collection agency provide proper validation of the alleged debt. However, the information provided was either insufficient or did not meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At no point have I been provided with adequate documentation to establish that I am legally obligated to pay this debt. Specifically, I have not received a signed agreement, contract, or any documentation that clearly verifies the origin, amount, and ownership of this account. Despite this, the account continues to be reported on my credit file, which I believe constitutes inaccurate and unverified reporting. Under the FCRA, only accurate and verifiable information may be reported to consumer reporting agencies. Because this account has not been properly validated after my dispute, I am requesting the immediate deletion of this collection account from my credit reports with all consumer reporting agencies. If the collection agency is able to provide proper and complete validation as required by law, I request that such documentation be provided to me directly. Otherwise, I expect this account to be removed without further delay. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
I had to relocate to XXXX XXXX, I had notified the company I was renting from I would be leaving, yet I was charged the whole lease term even though I only lived there 1 month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
They are charging me a debt of XXXX dollars for something I don't recognize. And I want them to delete it, they're affecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I did not give permission for my information to be shared I did not give permission for transfer of creditor I'm requesting debt validation payment history original contract with my signature and who is the current legal owner and how they obtained ownership of my personal private information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: KY

Complaint narrative:
I am submitting this complaint regarding a collection account that remains on my credit report despite my prior dispute and request for validation. I previously disputed this account and formally requested that the collection agency provide proper validation of the alleged debt. However, the information provided was either insufficient or did not meet the requirements for proper validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At no point have I been provided with adequate documentation to establish that I am legally obligated to pay this debt. Specifically, I have not received a signed agreement, contract, or any documentation that clearly verifies the origin, amount, and ownership of this account. Despite this, the account continues to be reported on my credit file, which I believe constitutes inaccurate and unverified reporting. Under the FCRA, only accurate and verifiable information may be reported to consumer reporting agencies. Because this account has not been properly validated after my dispute, I am requesting the immediate deletion of this collection account from my credit reports with all consumer reporting agencies. If the collection agency is able to provide proper and complete validation as required by law, I request that such documentation be provided to me directly. Otherwise, I expect this account to be removed without further delay. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

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 transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing this statement to express a concern I have with Zelles handling of disputes, particularly in light of the CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible.

Company response to consumer: Closed with explanation