vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am submitting a complaint regarding unauthorized or incorrect electronic debits from a Wells Fargo checking account. The account is set up for automatic mortgage payments of {$900.00} twice per month. However, on XX/XX/year>, XXXX additional debits of {$1700.00} and {$3000.00} were processed, which are inconsistent with the authorized payment schedule and caused the account to become overdrawn. We contacted multiple departments ( mortgage, checking, online banking, and fraud ) and spent over XXXX hours attempting to resolve the issue. The mortgage department could not locate the transactions, while checking attributed them to mortgage activity. A claim was submitted, but no provisional credit has been issued and no clear explanation has been provided. This is the second occurrence of this issue, raising concerns about internal processing errors. We are requesting immediate provisional credit, reversal of all fees, and a full investigation under Regulation XXXX. We will be traveling within the next few days, and timely resolution is critical to ensure access to funds.

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: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch Sturm LLP
State: FL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX in connection with an alleged debt they claim I owe to XXXX XXXX ( account number ending in XXXX ) in the amount of {$5500.00}. I do not recognize this debt and have no knowledge of its origin. On XX/XX/year>, I attempted to contact XXXX XXXX XXXX by phone to request information about this alleged debt. After being placed on hold for approximately 20 minutes, I was prompted to leave a voicemail, which I did, requesting a return call. I did not receive any response. On XX/XX/year>, I attempted to dispute the debt through the companys website ; however, I encountered repeated errors that prevented submission. I then sent an email to the company documenting the error and formally disputing the debt. In that email, I requested full validation of the alleged debt, including documentation bearing my signature, the original contract, and a complete payment history, to be sent to my physical mailing address. In the same XX/XX/year>XXXX email, I explicitly instructed the company to cease and desist all communication with me until proper validation of the debt was provided. Despite this written request, on XX/XX/year>, I received a phone call from XXXX XXXX XXXX from an individual identifying herself as XXXX XXXX, calling from XXXX. I believe this communication constitutes a violation of the Fair Debt Collection Practices Act, specifically the failure to honor a written cease and desist request and continued collection activity without proper validation of the debt. I have retained documentation of my email correspondence as well as proof of the phone call. I am requesting that the Consumer Financial Protection Bureau investigate this matter, require the company to cease further communication, and ensure compliance with all applicable federal laws. I also request that the company be required to provide proper validation of the alleged debt or confirm that I have no obligation.

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 — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: AL

Complaint narrative:
Cashapp allowed my account to be hacked. My checkings account was cleared of all funds through Cashapp allowing my account to be hacked. Cashapp also took additional funds from my account negligently. I have been waiting XXXX days for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
am filing a complaint regarding an auto loan financed through Western Funding. I recently discovered that the vehicle I purchased has a salvage/rebuilt title and the mileage is listed as unknown, which was not properly disclosed to me at the time of sale or financing. This directly impacts the value, safety, and legality of the transaction. Had I been aware of these facts, I would not have agreed to the loan. I believe this situation may involve misrepresentation and potential violations of the Truth in Lending Act ( TILA ) and federal odometer disclosure laws. I am requesting : A full investigation into this loan and the originating dealership Copies of all documents related to title disclosure and mileage statements A resolution, which may include loan cancellation, contract correction, or other appropriate remedy I would like all communication regarding this matter documented in writing. Name : XXXX XXXX Loan/Account # : XXXX Vehicle VIN : XXXX

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: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
On XX/XX/2026 I made an ACH transfer of {$12000.00} from XXXX XXXX Bank to CashApp. Since it was an XXXX transfer CashApp imposed a XXXX day hold on the funds ( XX/XX/2026 ). The money was used to buy bitcoin. On XX/XX/XXXX I received an email from CashApp saying the hold had been extended to XX/XX/2026. I called CashApp customer support to get an explanation of the change. I made at least XXXX separate calls to obtain information. Each time customer support said I had to talk to the bitcoin team. On XX/XX/XXXX I had sold the bitcoin converting it to cash. At that point I had {$12000.00} cash in my CashApp account with a XX/XX/XXXX hold on it. Most times when I called customer support I was transferred to The XXXX XXXX. The problem was that the transfer didn't work, the call dropped on transfer, and I would have to call back and go through the whole process again. The first time I talked to The XXXX XXXX they blamed the bank saying the funds had not been released. I contacted XXXX XXXX Bank and they said the transfer had been posted and settled. I finally got back to the XXXX XXXX and now they said it didn't matter but that it was company policy and they could do nothing about the XXXX hold. This is where it stands now. I am filing a formal complaint against Cash App regarding an unjustified restriction on my funds. I purchased XXXX using my linked bank account and have already sold the XXXX. The funds are now fully available in my Cash App balance. However, Cash App has placed a XXXX restriction preventing me from withdrawing these funds to my bank account. Cash App has stated that this restriction can not be lifted or expedited under any circumstances, despite the fact that my bank has already confirmed the transaction as settled. This situation is causing severe and immediate harm to me. I am currently involved in an active bankruptcy case that requires me to return these funds. Due to Cash Apps restriction, I am unable to comply with my legal obligations and may face serious legal consequences. I have made multiple attempts to resolve this issue through Cash App support. They have refused to provide any meaningful solution, declined to escalate the case further, and ultimately closed my case without resolution. I respectfully request : An urgent review of this restriction Immediate release of my funds or expedited withdrawal access A clear and formal explanation of the legal and policy basis for this extended hold This restriction seems excessive and unreasonable since the transaction has already been completed, and it is causing disproportionate harm. I am requesting regulatory assistance to resolve this matter as soon as possible.

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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I activated a 50 % cashback offer through Capital One XXXX portal email offer for a purchase at XXXX Contacts. I followed every instruction provided : I activated the shopping trip within Capital One XXXX, remained on the page through checkout and confirmation, and completed the purchase. I was not using a VPN, incognito mode, ad blockers, or any privacy suppression tools. I have screenshots of the completed order. The cashback owed to me was {$370.00}. Capital One XXXX denied the full reward, claiming the merchant did not confirm the purchase as completed within their system. This is a technical tracking issue between Capital One XXXX and the merchant not a failure on my part as a customer. I fulfilled every requirement presented to me. Capital One XXXX offered {$250.00} as a " courtesy adjustment, '' which I believe is an implicit acknowledgment that the purchase was valid and qualifying. However, they refuse to pay the remaining {$120.00} to bring the total to the {$370.00} I am owed. When I asked for a specific explanation of which offer term I did not meet, they were unable to provide XXXX. Their only explanation was that their system did not receive confirmation from the merchant a process entirely outside of my control. I escalated the matter to their management team. After review, they responded that they " can no longer move forward '' and consider the matter closed without paying the full amount owed. I am requesting the remaining {$120.00} in cashback rewards that I earned by following the offer terms exactly as presented. I have the following documentation available : - Screenshots of the completed purchase - The full email thread with Capital One XXXX support, including their admission of the tracking failure and the {$250.00} partial payment

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: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the accuracy of this account. You are reporting this account as both a charge-off and a profit/loss write-off while continuing to report a balance and monthly activity. Please provide : Original contract Full ledger/payment history Charge-off date and calculation Legal basis for continued balance reporting after write-off Failure to validate this account requires deletion under FCRA.

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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
When I was laid off and behind on my credit card bill ( only XXXX days at the time, but wanted to get ahead of the situation in a time of uncertain employment ) I called Wells Fargo and agreed to close my account and begin a payment plan to pay off my outstanding debt with Wells Fargo. When agreed to the plan I agreed to pay a monthly amount until the debt was paid off. The representative who helped me with this then helped me set up payments to make all of these payments on time. I was relieved this was taken care of and that I was paying off my debt in a manageable way. We are now XXXX months from my original call and I was interested in refinancing my car and noticed that my credit score plummeted once again after a year of on time payments across all my accounts. I then see that payments were no longer applied from my associated Wells Fargo checking account to my closed credit line. I called to inquire and was told that the agent set up XXXX authorized payments for me as " Pay by Phone ''. Why would the agent authorize 12 months of payments instead of encouraging someone to enroll in XXXX? I feel I was misled into a false sense of relief and security by the agent. After XXXX months of on-time payments, Wells Fargo XXXX now reporting me as 30 days late. Enrolling your struggling client in XXXX months of scheduled payments instead of XXXX is a shady practice. When I called to resolve this issue I was met with little to no empathy and the only solution was to pay XXXX months of payments at XXXX time. I am fortunate enough to be employed once again and able to make this payment, but I empathize with the hundreds of other XXXX clients that XXXX not be as fortunate as me. I am closing all my remaining checking accounts with Wells Fargo and encouraged the rest of my family to do so as well.

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: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to follow up on a recent debt verification submitted through the CFPB. The response I received from the company did not match the original creditor or debt collector listed on my credit report. Details of the Discrepancy : The company currently reporting the debt : [ Insert company name as listed on your credit report ] The company that responded to the CFPB dispute : [ Insert name of company that responded ] Account number : [ Insert last XXXX digits or full account number ] Date of original dispute : [ Insert date you filed the CFPB complaint ] This discrepancy raises concern about : XXXX. Proper debt ownership and legal standing of the responding company. XXXX. Chain of assignment, which was not clearly proven. XXXX. Possible violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to incorrect reporting and lack of full verification. I respectfully request that the CFPB require the company to : Provide a full chain of assignment ( all documents showing the debts transfer from the original creditor to the current one ). Explain why the verifying company differs from the reporting company. Remove the account from my credit report if they can not prove legal ownership or accurate reporting. I am requesting a full investigation and assistance in having this item corrected or removed if found to be inaccurate or unverifiable. Thank you for your time and assistance. Sincerely, [ Your Full Name ] [ Your Address ] [ Your Email/Phone ] [ Date ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Kriya Capital, LLC

Complaint narrative:
Received text message but no information to what the debt was for. Had to look up the business online to get number to call. Would not give information about the debt until an abundance of personal information was shared including social security number. Reps only repeated information about what they needed and did not give any information to where the debt came from. Unacceptable! Never received any correspondence by mail only text which made the entire issue look suspicious. They need better services for the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Complaint against Newrez LLC Newrez is wrongfully blocking access to my XXXX funds and putting me in immediate financial distress. I deposited a check. Their fraud XXXX demanded ID and utility bill verification within XXXX minutes. I submitted everything, but their own email confirms receipt XXXX hours later - a delay caused by their system, not me. Despite full compliance, they rejected my check as too late. I spent over XXXX hours on the phone with no resolution. I do not have time to request new checks or wait for mail. I have contractors who already completed work and must be paid now. XXXX actions are directly putting me in serious financial trouble.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am filing this complaint regarding inaccurate and unauthorized information being reported on my credit report. First, there is a collection account being reported by XXXX XXXX XXXX XXXX XXXX for an alleged debt with XXXX XXXX in the amount of {$210.00}. I do not recognize this account and have no knowledge of this debt. I never entered into any agreement with this creditor. This account is being reported as unpaid with a date of first delinquency of XX/XX/XXXX. I am writing to formally dispute several hard inquiries listed on my credit report. I have reviewed my credit file and identified inquiries that I do not recognize and/or did not authorize. The inquiries in question are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Orion Capital Solutions LLC
State: FL

Complaint narrative:
Orion Capital Solutions has called me, my XXXX, and my XXXX XXXX XXXX multiple times to collect a debt. I asked them several times to only contact me, as they obviously have my number, yet they continued to harass my mother. Further, when they attempted to verify my identity, they asked me " Is your name XXXX XXXX? And is XXXX the last XXXX of your social? '' Anyone could have said yes. This is not the correct way to verify my identity. XXXX de XXXX admitted to calling all numbers that have ever been associated with me, and using this line of questioning to confirm it was me. If the number had been given to someone else, or anyone could have lied and said yes, and now my personal information is being given out to strangers. She was extremely hostile towards me when I attempted to explain why she should ask me identifiable information, rather than simply having me confirm it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
This complaint is a follow-up to CFPB case XXXX, which was closed without resolution. The issue remains unresolved and has now resulted in credit damage. Since XX/XX/year>, we have repeatedly contacted Capital One regarding an account access issue caused by incorrect contact information tied to our account. A phone number and email on file do not belong to us, which prevents us from logging in, receiving verification codes, or updating our information. Despite verifying identity multiple times and contacting multiple departments, including auto loan servicing, credit card, technical support, web support, and the XXXX XXXX XXXX XXXX, no department has been able to correct the issue. Each department either stated they could not assist or transferred us to another department, resulting in a continuous loop with no resolution. During recent calls, representatives confirmed that the contact information on the account does not match ours, yet they are unable to update it. We were also informed that no case is currently open, despite multiple prior calls where we were told a case had been created. The company requires identity verification to proceed, but the process is not functional because it attempts to send a code to a phone number that does not belong to us. We have also submitted identification multiple times without any resolution. This creates a situation where we can not verify our identity, can not access our account, and can not correct the contact information. Technical support confirmed that the account status is good to login, yet access still fails. They also identified multiple accounts appearing under the profile that do not belong to us, indicating a system or profile mismatch issue that no department has been able to resolve. As a direct result of this issue, we were unable to properly manage the account, which contributed to delinquency and has negatively impacted our credit. We have since brought the account current in good faith, but the underlying issue remains unresolved. Capital Ones prior response did not address the root problem and incorrectly stated that the issue was resolved or that reporting was accurate, without acknowledging the system failure preventing account access. This issue remains unresolved. Additionally, in the documentation provided by Capital One, the first page references a credit card account that does not belong to us and that we have no access to. This further confirms that our auto loan account is incorrectly linked to another profile or account. Despite this, Capital One has been unable to explain or correct the issue, and we are still unable to access or manage our own account.

Company response to consumer: Closed with explanation