vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Complaint Against JPMorgan Chase Bank Regarding Unauthorized XXXX Transactions I am filing this complaint against JPMorgan Chase Bank, N.A. regarding their denial of my claim for multiple unauthorized XXXX transactions. On XX/XX/year>, I reported several XXXX transfers from my account that I did not authorize. On XX/XX/year>, Chase denied my claim, stating that the transactions were authorized. I would like to clearly state the following : - I did NOT authorize, initiate, or approve any of these transactions. - I did NOT use XXXX to send these payments. - If these transactions were conducted from my device, then my device or account was used without my knowledge or consent. Clear indicators of fraud : - The transfers were sent from my Chase account to my own account at XXXX XXXX, which is not normal behavior. - If I intended to move money between my accounts, I would have made a single direct transfer, not dozens of fragmented transactions. - The repeated splitting of amounts strongly indicates an attempt to bypass the banks security systems and avoid detection. - Once the funds reached my XXXX XXXX account, they were immediately used to purchase XXXX Coins without my knowledge or authorization. This pattern clearly indicates unauthorized use and fraudulent activity. Under the Electronic Fund Transfer Act ( Regulation E ), I am formally requesting : Full reimbursement of all unauthorized transactions. I confirm that I am a victim of fraud or unauthorized account access and request that this matter be handled in accordance with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint regarding a denied claim with Bank of America involving scam transaction. On XX/XX/XXXX and XXXX, I was deceived by an individual who misrepresented themselves and convinced me to send a total of XXXX $ through sendwave under false pretenses. At the time, I believed the transaction was legitimate due to the information and pressure provided by the scammer. After completing the transfers, I realized that I had been the victim of a scam. I reported the issue to Bank of America as soon as possible and filed a claim. However, my claim was denied on the basis that the transaction was considered authorized. While I understand that I initiated the transactions, they were made under deception and fraudulent misrepresentation. I did not knowingly or willingly intend to send money to a scammer. This situation involves clear fraud, and I believe my claim was not properly evaluated with these circumstances in mind. I am requesting that Bank of America conduct a thorough reconsideration of my case, taking into account the evidence of the scam and the deceptive tactics used. I am also requesting any possible assistance in recovering the transferred funds. I have supporting documentation, including communication with the scammer and transaction records, which I am prepared to provide. Thank you for your attention to this matter.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: ROBINHOOD MARKETS INC.
State: IN

Complaint narrative:
On XX/XX/year> I called Robinhood support line to cancel my credit card I specifically asked twice if I can use my rewards and they said I will have 90 days from account closure and now theyre saying Ive forfeited all my points. I also emailed their manager on duty and he also said they arent going to do anything to help me. I had clear verbal consent on a recorded line that said Ive got 90 days to use my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I opened an account with Wells Fargo and my {$3000.00} came up missing out of my account so I disputed it and Wells Fargo did not give me my money back I did not do those transactions, someone took my money out of my account. They closed the account saying there was specious activity on the account so they closed it. and they did not give me my money back. I want my money back please.

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: 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX, a XXXX flight totaling {$5200.00} ( {$2600.00} per person ) was purchased on a XXXX card for XXXX passengers, bookings XXXX and XXXX. On XX/XX/XXXX, a written request was submitted to XXXX explicitly requesting either a full refund to the original card or flight credit. On XX/XX/XXXX, XXXX cancelled booking XXXX and issued only {$81.00} satisfying neither outcome requested and never agreed to. Approximately a dozen phone calls were made immediately to dispute this outcome, with holds of up to XXXX hours and no response. Several emails and website customer service submissions also received no substantive response. A formal escalation email was sent XX/XX/XXXX. XXXX 's own written responses ( Feedback ID XXXX, XX/XX/XXXX ) characterized the XX/XX/XXXX correspondence as a refund request forwarded to their refund department consistent with a refund request, not a {$81.00} cancellation outcome. A chargeback was filed with XXXX for {$2500.00} ( {$2600.00} less {$81.00} returned ). XXXX initially sided with the cardholder, then reversed after XXXX submitted documentation consisting solely of proof of purchase of a non-refundable fare no document showing agreement to the {$81.00} outcome, no signed cancellation confirmation, and no response to the explicit refund/credit request. XXXX accepted this incomplete submission as dispositive without requiring XXXX to produce evidence the {$81.00} outcome was ever agreed to, and closed the dispute with no adequate explanation.

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: NJ

Complaint narrative:
The continued reporting of these inaccuracies is materially damaging my creditworthiness and has directly prevented me from qualifying for a mortgage. This constitutes harm caused by noncompliance with federal law. I demand that these accounts be fully investigated and, if not properly verified with a lawful permissible purpose, permanently deleted from my credit file.

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 — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
From XXXX XXXX to XXXX XXXX unauthorized transactions from XXXX of {$7.00} kept being attempted and I could never talk to a rep and in some cases the charge was successful and I never received my money back. I was forced to change my card several times by reporting it stolen. Also had unauthorized online purchases on XXXX never received my money back. When I did get an agent via text in 2025 once I was instructed to call XXXX but they didn't show an active account in my name and told me to contact the banking institute so I never got it handled and I'm forced to keep my card locked to prevent being charged even after changing my card several times. It been other unauthorized transactions during that time also from other companies and I never got assistance cause I could not talk to a live person only the cashapp bot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Company stated they reviewed online account activity that indicates to them that the transaction was authorized however the activity was me following their rules and locking the card and reporting it stolen and requesting a new card.the sisputecis not about my account activity but it was about my debit card being stolen

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

Complaint narrative:
My Cash App account was recently deactivated without a clear or specific explanation beyond a general reference to a Terms of Service violation. Prior to filing this complaint, I contacted Cash App to request clarification regarding the specific activity that led to the account closure, as well as a review of my account. I did not receive a meaningful or detailed response. My account activity consisted of legitimate personal and business-related transactions, including higher transaction volume and use of digital wallet and Bitcoin features. I did not knowingly engage in any prohibited activity. The lack of transparency has prevented me from understanding or correcting any potential issue. As a financial service provider, Cash App is expected to provide clear disclosures and act in accordance with fair consumer practices under applicable regulations, including standards enforced by the Consumer Financial Protection Bureau. I am requesting : A clear and specific explanation of the alleged violation A full manual review of my account activity Reinstatement of my account if appropriate If reinstatement is not possible, I request : Immediate and unrestricted access to withdraw all remaining funds Continued access to my transaction history and any tax-related documents I am fully willing to provide documentation to verify my identity, source of funds, and the nature of my transactions. I respectfully request that this matter be escalated for proper review and resolution.

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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
b'On XXXX XXXX an unauthorized XXXX transfer of $XXXX was sent from my account to XXXX XXXX XXXX XXXX. I did not initiate or authorize this transaction.\n\nI discovered the transfer later while reviewing my account activity as I was preparing for a move. Upon discovering it, I contacted the recipient to ask about the transaction.\n\nIn response, she stated that she took the money because she believed it was owed for a separate personal matter. She also indicated that she used XXXX because it is difficult to reverse and has refused to return the funds. These statements are documented in writing and attached.\n\nFor context, the recipient referenced a trip (XXXX) and claimed I owed money. However, the trip had been presented as covered, I did not agree to any payment, and I explicitly disputed any obligation. There was no agreement, contract, or authorization permitting any transfer of funds. The recipient is not a personal friend; she is someone I knew casually from a gym who organized the trip and invited participants.\n\nI did not provide permission for any transfer from my account. I did not share my login information, passcodes, authentication codes, or device access with the recipient or any third party. I did not approve this transaction in any form, and I am not aware of how it was executed.\n\nI reported this to my bank and filed a fraud claim. The claim was initially closed before I was able to provide supporting documentation. The matter is now under review again with additional evidence, including the recipients written statements.\n\nThis transaction reflects an unauthorized transfer from my account. I am requesting that this be properly investigated and that the funds be returned.\n\nAttachments:\n\n- Screenshots of the recipients statements\n- XXXX transaction confirmation\n- Messages showing lack of agreement and refusal to return fundsXXXX XXXX

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: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
theres a Capital one reporting XXXX days late on my credit report its also reporting as a charge off I never got a XXXX its reporting they written off {$220.00} all that is wrong information I want it deleted its also a XXXX XXXX that's not mine reporting a late payment and a XXXX XXXX XXXX reporting late that's not mines

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: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Revco Management, LLC
State: NC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I been making payments and thwy just dont add up the math is not correct i payed more then they show on account {$250.00} for 25 payments dont add up correctly on account i ask them to look intp it and correct it but they refuse to respond they know what they did is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Servicer under contract with Federal Student Aid
State: ME

Complaint narrative:
I have a forgiveness date of XX/XX/year> via the federal student aid site. I have a previous complaint filed against my lender to because they had a forgiveness date of XXXX. The previous complaint has been resolved and my lender agreed that my forgiveness date was in XXXX, however they cant proceed with forgiveness until they receive notification from federal student aid. I have reached out to fsa and filed an ombudsman case which they addressed by saying that they are reassign my payments and that I am due to reconfirm my ibr payment plan by XX/XX/XXXX and that my next payment is due this this month. In other words, they did not address the forgiveness issue at all. I need them to move forward with my forgiveness and contact my lender so they can move forward.

Company response to consumer: Untimely response
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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENT REMARKS ASSOCIATED WITH THIS ACCOUNT ARE INACCURATE AND DO NOT REFLECT THE TRUE PAYMENT HISTORY. I AM FORMALLY DISPUTING THESE SPECIFIC NOTATIONS AND REQUEST A THOROUGH REVIEW AND CORRECTION. IF THESE LATE PAYMENT REMARKS CAN NOT BE PROPERLY VERIFIED WITH ACCURATE RECORDS, THE LATE PAYMENT REMARKS MUST BE REMOVED IMMEDIATELY.

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: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau XXXX, I am writing to formally request your assistance in resolving a dispute with Citibank regarding XXXX of my accounts. Following a traffic accident, I notified CitiBank via telephone on multiple occasions regarding my situation. Subsequently, I was contacted by XXXX XXXX XXXX concerning XXXX of these accounts. Despite my injuries, I committed to and have maintained a monthly payment plan with them. I also contacted CitiBank directly for guidance on managing my accounts during this period, but I received no response. Despite my proactive communication and adherence to the payment plan with XXXX XXXX XXXX, CitiBank referred my second account to collections with XXXX XXXX XXXX. This action has severely impacted my credit score and my ability to obtain credit. Furthermore, I have not received official documentation confirming that XXXX XXXX XXXX is authorized to act on behalf of CitiBank, and XXXX XXXX XXXX is failing to report my payments to the credit bureaus. I am seeking clarification as to why my account was placed in collections despite my repeated notifications regarding my accident and my established payment agreement. I appreciate your assistance in investigating this matter and ensuring my credit file is accurately updated. Best regardsXXXX XXXX XXXX XXXX. Account info Original Creditor : CITIBANK , N.A . Merchant Name : XXXX XXXX XXXXiginal Account Number : XXXX Current Owner : XXXX XXXX XXXX XXXX XXXX. MCM Account Number : XXXX XXXX. Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Original Creditor : CITIBANK , N.A . Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX I, 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 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WESTERN ALLIANCE BANCORPORATION
State: PA

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I attempted to update my checkingaccount information with Western Alliance Bank after my account was compromised. I spoke with XXXX representatives, and each one told me the process is digitalonly through XXXX. The bank refused to provide any nondigital or accessible alternative. I am not refusing to complete the process ; I simply can not use XXXX. Because the bank only allows digital submission, I have been unable to update my information or secure my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am requesting an investigation into inaccurate credit reporting. My account was placed in administrative forbearance from XX/XX/year> to XX/XX/year>. Despite confirmation from the servicer that this adjustment was made, they are incorrectly reporting a XXXX-day delinquency to the credit bureaus. I have disputed this with the credit bureaus, but the furnisher ( the servicer Nelnet ) refuses to correct the record. I am requesting an immediate submission of a XXXX XXXX Form ( UDF ) to XX/XX/XXXX to delete this inaccurate late payment entry. Thank you for your assistance.

Company response to consumer: Closed with explanation