vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: GA

Complaint narrative:
On XX/XX/XXXX, I sent multiple payments through Cash App to a seller ( XXXXXXXX XXXX XXXX totaling {$840.00} XXXX XXXX XXXX XXXX wig, valued at {$500.00}, was delivered. However, the second wig was a custom order for which I paid a {$340.00} deposit, and that item was never delivered. I waited beyond the promised timeframe and made multiple attempts to resolve the issue directly with the seller, but the custom wig was never provided and no resolution was given. I filed a dispute with Cash App specifically regarding the {$340.00} payment for the undelivered custom wig. The claim was denied, and my appeal was also denied without properly addressing that this portion of the order was never fulfilled. This is a clear case of partial fulfillment and failure to deliver goods for the remaining amount paid. Cash App did not properly investigate or protect me as a consumer in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime closed my account and I feel it was wrongfully closed a representative told me that the reason my chime account was closed was due to my daughter 's social security check who is on disability your I neel being direct deposited to my chime account chime told me to let social security know to only deposit my daughter 's check in my name and I did that after I had my social security check fixed 7 days later my account was closed I've called them numerous times and I get no help I have money on that account and I can't take care of my family with life essential needs al I want is for my money to be released to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
This company is trying to rip me off mortgage @ loan modification.com on my mortgage companys logod email!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: CA

Complaint narrative:
Money transfer app XXXXXXXX XXXX. Issue : Problem with a money transfer money not received Details : Company : XXXX Amount : {$2.00} Date : XX/XX/XXXX. 2026 Description : XXXX confirmation said it was sent and received by recipient. XXXX bank, recipient 's bank confirmed, no money was received. Supporting documents attached : XXXX receipt confirmation Screenshot showing " completed '' Any email from XXXX stating funds not received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am writing to file a complaint regarding my recent experience at a branch of TD Bank. The location is TD Bank, XXXX XXXX XXXX, XXXX, CT XXXX. Prior to visiting the branch, I contacted TD Bank by phone to confirm the required documents to open a new account. After confirming multiple times, I ensured that I brought all the necessary documentation as instructed by your representative. However, when I arrived at the branch, a staff member ( a woman wearing glasses ) refused to assist me in opening an account. The reason provided did not appear to be valid or consistent with the information I had been given over the phone. Furthermore, the staff member ( the woman wearing glasses ) displayed an indifferent attitude and did not appear to fulfill her professional responsibilities. While refusing to assist me, she did not provide any written policy, documentation, or official information from TD Bank to support her decision. Instead, she relied solely on verbal explanations, which lacked transparency and made the situation even more frustrating. Given that I had all the required documents, I believe the refusal of service was unreasonable and inconsistent with TD Banks stated procedures. In addition, the staff members attitude was unprofessional and dismissive, which made the experience particularly frustrating. This experience has significantly impacted my perception of TD Bank. I would appreciate a clear explanation of the discrepancy between the information provided by phone and the actions taken at the branch, as well as any corrective measures to prevent similar situations for other customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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 filing a complaint regarding TransUnions handling of a disputed collection account reported by XXXX XXXXXXXX XXXX XXXX. I disputed this account because I do not recognize it and believe it may be fraudulent. TransUnion responded that the account was verified as accurate. However : I have never opened an account with the alleged original creditor, Sunshine Loans I sent a certified debt validation request to the collection agency, which was received on XX/XX/year> The collection agency has not provided any documentation validating the debt Despite the lack of validation, TransUnion continues to report the account. Under the Fair Credit Reporting Act, TransUnion is required to conduct a reasonable investigation. Verifying the account without requiring documentation from the furnisher, especially in a potential fraud situation, raises concerns about the adequacy of that investigation. I am requesting that TransUnion : Conduct a thorough reinvestigation requiring documentation from the furnisher Remove the account if proper validation can not be provided Ensure the account is clearly marked as disputed This account should not remain on my credit report without verified supporting documentation.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I have repeatedly asked for the calls to stop, they start calling as early as XXXX and dont stop till after XXXX. I also requested that very old debt be removed due to statute of limitations they told XXXX me no

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: TN

Complaint narrative:
Complaint Against XXXX XXXX XXXX XXXX Improper Reactivation of Closed Account To Whom It May Concern, I am filing this formal complaint against XXXX XXXX XXXX XXXX regarding the improper reactivation and reporting of a previously closed account on my credit file. The account in question was closed and/or removed from my credit report. However, it has since been reinserted and is now being reported as active or in a manner that does not accurately reflect its true status. I have not received any valid notice or documentation supporting the reactivation of this account. Furthermore, this action raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), including but not limited to : Reporting inaccurate or misleading account information Potential unlawful re-aging of the account Failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) Reinsertion of previously deleted information without proper procedures I have attempted to resolve this matter through disputes with the consumer reporting agencies, but the issue remains unresolved. As a result, I respectfully request that the Consumer Financial Protection Bureau : Conduct a formal investigation into XXXX XXXX XXXX XXXX reporting practices Require verification of the account, including the original contract, full payment history, and accurate Date of First Delinquency Require proof that all reinsertion and reporting procedures comply with the FCRA Order the immediate deletion of this account if it can not be fully verified and reported accurately This inaccurate reporting is negatively impacting my credit profile and financial standing. I have attached supporting documentation, including copies of my credit reports and prior dispute correspondence. I request a prompt investigation and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am filing a complaint regarding multiple unauthorized transactions on my account that Chase has refused to refund. Between XX/XX/year> to XXXX 2026, I discovered several transactions on my account totaling approximately {$4400.00}. These transactions were charged by XXXX, but I did not authorize them. I immediately contacted Chase to dispute these transactions as fraud. However, Chase denied my claim and stated that the transactions were authorized. Following Chases instruction, I contacted XXXX. XXXX confirmed that I do not have an account with them. Therefore, it is impossible for me to make any purchases on XXXX. Chase also stated that the transactions were made from my device. I contacted XXXX support regarding this issue. I originally wanted to obtain my XXXX XXXX transaction records from XXXX. However, XXXX informed me that because my original card had been replaced with a new card, I am unable to retrieve the complete transaction history associated with the old card. Nevertheless, XXXX confirmed that these transactions were not made through XXXX XXXX. I also did not receive any transaction notifications, and these transactions do not appear in my XXXX XXXX. Chase has not provided any evidence explaining how they determined that these transactions were made from my device or authorized by me. Since I do not have an XXXX account and XXXX confirmed that the transactions were not made through XXXX XXXX, it is impossible for me to have authorized these transactions. If needed, I am willing to contact XXXX again to provide additional supporting information. These transactions were not authorized by me, and I did not purchase these items. Additionally, my card has since been replaced due to fraud concerns, which further indicates that there was a security issue. Despite all of this, Chase has refused to reverse the charges. I believe Chase failed to conduct a reasonable investigation into this fraud claim. I am requesting a proper investigation and a full refund of all unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
I am filing this as a second complaint against my federal student loan servicer. My prior complaint was filed on XX/XX/XXXX and closed on XX/XX/XXXX without resolution. Between XX/XX/XXXX and XX/XX/XXXX, I made XXXX payments totaling approximately {$9500.00}, including a {$1000.00} payment on XX/XX/XXXX. Despite this documented payment activity, my servicer is currently reporting my account as XXXX or more days past due to all three major credit bureaus. This designation is false. A XXXX day late status means no qualifying payment has been made in XXXX or more months. I have made payments every month since XX/XX/XXXX. In response to my prior complaint, the servicer confirmed that my payments were applied to specific individual loans at my election. However, I was never clearly informed that directing payments to XXXX loan would allow my remaining loans to accrue delinquency simultaneously. With over XXXX active loans on my account, I had no reasonable way to understand this consequence without explicit guidance from my servicer. That guidance was never provided. My prior complaint was closed with a blanket statement that the reporting was accurate. The servicer did not provide a loan-by-loan accounting of which loans carry derogatory notations, on what dates those notations were furnished, or how a XXXX day delinquency designation is being maintained on an account with XXXX payments made over the past XXXX months. I disputed the response and received no further action. The false XXXX day notation has caused material harm to my credit profile, including reduced credit limits from multiple creditors. The harm is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: PNC Bank N.A.
State: OH

Complaint narrative:
I sent PNC the below email Hello PNC Disputes Team, I am writing to formally dispute all debit transactions from Lotto.com that posted to my Virtual Wallet Spend account and to request that all related funds be returned. Additionally, please replace my debit card ending in XXXX with a new card number, as I believe the merchant charges are unauthorized. Lastly, I am requesting a status update on my previously disputed transaction from XXXX XXXX, dated XX/XX/year>, in the amount of {$140.00}, which has not been refunded as of today. Please confirm whether the dispute is still under investigation, whether any provisional credit was issued, and the expected timeline for final resolution. Thank you, They issued XXXX out of XXXX in XXXX and told me I had to wait for the rest. This morning I wake up and they are reversing credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: Paypal Holdings, Inc

Complaint narrative:
Nature of the Dispute : I am filing this complaint against PayPal XXXX XXXX for the continued withholding of my funds for over XXXX months and their failure to resolve a technical error in their banking system that prevents me from withdrawing my balance. Complaint Details : Initial Issue : Approximately XXXX year ago, I created an account using a pseudonym. At the time, the interface did not explicitly state a legal name requirement. Upon receiving funds, I was asked for identity verification, which I provided. PayPal immediately permanently limited my account. XXXX XXXX : I offered to verify my identity through any means, including a live camera session, but PayPal refused and placed a XXXX hold on my funds. XXXX XXXX XXXX : After the XXXX period expired, PayPal notified XXXX that I could withdraw my funds. However, their system incorrectly claims my bank account is already linked to XXXX other accounts. This is a factual error ; I do not have other accounts linked to this bank. This appears to be a glitch caused by previous attempts to link/unlink the account within their system. Failed Support : Support representatives suggested I send the money to a friend 's email. I attempted this with several verified friends, but PayPal 's system blocked every transaction, claiming the receiving accounts were " suspicious '' or had " errors. '' Current Status : My funds have been held for a total of XXXX years. Customer support is now consistently ignoring my messages and failing to provide a manual solution. Desired Resolution : I demand that PayPal manually facilitate the transfer of my remaining balance to my designated recipient 's. I no longer wish to troubleshoot their automated system and request a human intervention to release my property immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Notice of Lawful Rescission and Perfected Commercial XXXX I am writing to formally notify the CFPB that the automobile purchase agreement ( Account # Description is on the files uploaded to this complaint ) involving CAR TOWN XXXX XXXX XXXX and REGIONAL ACCEPTANCE CORPORATION was lawfully rescinded and voided in its entirety on XX/XX/XXXX. This action was executed pursuant to the Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX, following the discovery of material non-disclosures, fraudulent misrepresentations, and the failure of the " XXXX XXXX '' to provide clear and conspicuous notice of the right to rescind. Pursuant to XXXX XXXX. XXXX ( b ), once a consumer rescinds a transaction, any security interest taken in the property becomes void by operation of law, and the consumer is no longer liable for any finance or other charges. Consequently, the continued attempts by Regional Acceptance Corporation to collect on a principal balance of $ XXXX a contract that is legally voidconstitute abusive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C XXXX XXXX. Furthermore, as the XXXX XXXX XXXX and Holder-in-Due-Course of the private asset identified as XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX the files uploaded to this complaint ), I have perfected a superior international commercial lien via a XXXX Financing Statement. This filing establishes a public record of my first-in-time, first-in-line interest, which is superior to any presumed interest held by the corporate state or the named Lien Debtors. The XXXX is registered at a sum certain of {>= $1,000,000} to cover statutory damages, identity conversion, and fraud. The XXXX Debtors were served with a formal Notice of Default and Opportunity to Cure on XX/XX/XXXX, after they failed to return the Manufacturers Certificate of Origin ( XXXX ) and issue a full refund as required by law following the rescission. Their failure to perform constitutes a commercial trespass against my private estate. I request that the CFPB initiate an investigation into these patterns of non-compliance and take administrative action to stop all unlawful collection efforts associated with this voided account.

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: KEYCORP
State: NY

Complaint narrative:
On XXXX of last year ( XX/XX/XXXX ), i sold my XXXX XXXX XXXX XXXX prestige to XXXX. The loan was at the time with KeyBank but XXXX finance was the previous holder of the lien and loan. XXXX after the sale had sent the check to wrong company which caused a hold on the payoff of the KeyBank loan. It took months for it to be corrected in this time caused a 30 day late payment to show up in my report. XXXX has since resolved the issue and has written a letter on my behalf in which they claim responsibility for the lack of payment on the loan and that I'm not responsible. I have submitted 3 separate disputes with Experian including the letter from XXXX and the 30 day late payment still has not been removed. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all three changed nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citibank charged my account {$15.00} service fee even though I've met the requirements NOT to be charged a fee. The service fee should be waived if I've made at least {$250.00} in enhanced deposits in the account. I have made at least {$2600.00} in enhanced deposits ( XXXX deposits ) to the account for the statement period. By contrast, the previous month I made less than {$500.00} enhanced deposits to the same account and was NOT charged a fee. Please make Citibank return my {$15.00} to me. If they don't, I will file a legal action against them and request punitive damages from the court. The two statements are attached to this complaint for comparison.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
They said my card was looking as if it had some fraudulent thing going on to close my account. But thats not true I use my card for doing cash jobs that I can link my cash app to to get paid for working for cash so its ridiculous because of all the years I have had cash app and I told these people for months and months that I have never had any kind of fraudulent stuff going on ever with my card so how are they going to close my i can't when i've had it for over XXXX to XXXX years. Its frustrating because I can't even get the rest of my money off of my card. Which is {$30.00} and I need this car.Because I get paid in cash in that card during jobs for cash and I need that card to help take care of my kids in so that's what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I formally contest this debt and request supporting documentation.

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 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist bank Business account XXXX XXXX XXXX sent XXXX cashiers check XXXX I deposited they noticed it fraud so closed my account now can't get bank acct run business .. need help. I got emails from customer, fed ex trac number messages and emails were I didnt know

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