vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Wells Fargo Bank has failed to comply with the procedures required under Nebraska Uniform Commercial Code 3-312 regarding a destroyed cashiers check. Under UCC 3-312, a claimant who was entitled to enforce a cashiers check at the time of loss may submit a declaration of loss and, upon satisfaction of the statutory requirements, obtain payment or a replacement instrument. I am the payee of the cashiers check and was entitled to enforce it at the time it was destroyed. Despite multiple requests, Wells Fargo has refused to provide or process a Declaration of Loss and has incorrectly stated that only the purchaser of the cashiers check may initiate the replacement process. This position is inconsistent with UCC 3-312, which does not limit claims solely to the purchaser. I provided the bank with a copy of the applicable statute and requested review by its Legal Department. Wells Fargo has failed to provide a substantive response or otherwise demonstrate compliance with the statutory procedure. For reference, I have attached written correspondence regarding this matter with the Wells Fargo branch located at XXXX XXXX XXXX, XXXX, Nebraska XXXX. I have also attached screenshots of two voicemail transcripts from Wells Fargos Executive Office indicating that my complaint was under review and that I would receive an update on or before XX/XX/year>. I returned the call on XX/XX/year>, and was again advised that I would receive an update by XX/XX/year>. However, I did not receive any response or follow-up communication by that date, nor have I received any communication since. Wells Fargos refusal to follow the statutory procedure may constitute a failure to adhere to applicable state commercial law and may reflect deficiencies in training, compliance oversight, or consumer response practices. I respectfully request regulatory review of Wells Fargos handling of this matter and assistance in ensuring the bank complies with its legal obligations under UCC 3-312 regarding the replacement of a destroyed cashiers check. I also request that Wells Fargo be required to provide a written explanation of its position and demonstrate how its actions comply with UCC 3-312. This complaint concerns Wells Fargos compliance with applicable law, not a discretionary policy matter. Thank you for your attention to this matter. Sincerely, 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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I believe the 4 accounts with MOHELA has been mismanaged. There are discrepancies in the reporting of my balance, payment history, and delinquency status. I have experienced inconsistent and inaccurate billing, including incorrect payment amounts and possible misapplication of payments. These issues have caused my account to appear past due and negatively impacted my credit. I previously had deferment and/or was enrolled in an income-driven repayment plan, and it appears that these were not properly applied or maintained, resulting in an incorrect delinquency status.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Rocket Mortgage incorrectly reported that they paid my property taxes ( approximately {$4400.00} ). This is not accurate. I personally paid the property taxes and have a payment receipt as proof. After noticing the issue, I contacted Rocket Mortgage multiple times via phone and email. I also contacted the county tax office, and they verbally confirmed that the tax payment was made by me and not by Rocket Mortgage. Despite this, Rocket Mortgage created an escrow account and added a shortage of approximately {$7300.00} based on this incorrect information. In addition, Rocket Mortgage has now added incorrect amounts to my loan balance, including approximately {$4300.00} to principal and {$2000.00} as interest, further increasing my loan amount based on a payment they did not make. During my conversations with Rocket Mortgage, I was informed that I had submitted all required documents on time and that an internal escalation was created. However, no resolution or correction has been provided. This error is now causing direct financial harm due to an inflated loan balance and incorrect escrow charges. I am requesting that Rocket Mortgage : Correct their records to reflect that I paid the property taxes Remove the incorrect escrow account and related charges Reverse any amounts improperly added to my loan balance, including principal and interest adjustments Provide written confirmation once the issue is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
I had 10 transaction from Chime totaling about {$1200.00}. That someone stole. I proved to chime I didn't make those transaction as I was in hospital having a baby. I disputed and was denied multiple times .. I'm facing homeless.because of this. Wanted refunded ASAP case complaint # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
My dispute was denied but the dispute they approved basically the sane merchant. I contacted the merchant they have no clue what i was taking about say chime haven't contacted them. I sent in copies of the police report about my phone was stolen and hacked into. Chime also say that they dont take money out my checking account ti give credit builder which I didn't authorize that. Chime isn't a bank but I read the csrd agreement I am not responsible for unauthorized transactions and they would replace my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MT

Complaint narrative:
XXXX XXXX has tried 3 attempts to collect a debt that is not valid. The last call I received was a threat to ruin my credit. I have disputed this with the credit repositories & had the entry removed twice but they keep up collection attempts. The original debtor was XXXX & they told me there is no outstanding balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am writing in response to your communication regarding an alleged debt. I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following information : 1. The amount of the alleged debt, including any interest, fees, or charges 2. The name and address of the original creditor 3. Copies of any documents bearing my signature that show I agreed to this debt 4. A complete payment history, including how the amount you claim is calculated 5. Proof that your agency is licensed to collect debts in my state ( if required ) Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you are unable to provide the requested documentation, please confirm in writing that this account has been closed and that no further collection efforts will be made. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed. Please note that this letter is not a refusal to pay, but a request for verification of the alleged debt. I expect your response within 30 days of receipt of this letter.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Volvo Car Financial Services U.S., LLC
State: WA

Complaint narrative:
In XXXX, a XXXX lease was returned to the dealership. Following the return, a charge-off for approximately {$1000.00} was placed on the credit reports of both the primary and co-signer for alleged " excess wear, '' specifically regarding the tires. We have formally disputed the validity of this debt multiple times. We requested legible, high-resolution photographs and a certified inspection report proving the tire tread was below the lease-end limit. In response, the dealership provided only low-resolution, illegible " thumbnail '' images that do not document tread depth or any verifiable damage. These images are insufficient to verify a debt of this magnitude. Starting on XX/XX/XXXX, we escalated this matter to the company 's executive leadership ( including the CEO and VP of Customer Service ) and the dealership 's General Management. Follow-up attempts were made on XX/XX/XXXX and XX/XX/XXXX. A final deadline for substantiation was set for XXXX XXXX PT on XX/XX/XXXX. As of this filing, the company has failed to respond to any executive outreach or provide the requested documentation. Under the Fair Credit Reporting Act ( FCRA ), credit furnishers must conduct a reasonable investigation and delete information that can not be verified. The company is currently reporting unverified and unsubstantiated debt, which is preventing the finalization of new vehicle financing. We are requesting the immediate and permanent deletion of this charge-off from both credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
My last complaint through the cfpb was for them to validate my debt but email. I still havent received that email and they are still reporting on my credit. I want it removed if they can not validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
Ive been charge for add one ins I did not know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Dear OCC, I am filing a formal complaint against SOFI Bank and XXXX regarding repeated unauthorized charges, negligence, and account mismanagement. I am sending this along with my prior email to SOFI, which includes my account and routing numbers, as evidence of my documented attempts to resolve this. Summary of Issues : Months after ending my contract with XXXX, unauthorized charges were processed on my account, despite explicit instructions to remove all merchant access controls and metadata associated with my accounts. I repeatedly submitted fraud claims to SOFI and provided full account details, yet charges continued. SOFI temporarily reimbursed some funds but withheld XXXX XXXXXXXX, then locked my account, denying access to my own money. Repeated attempts to resolve the issue with support, retention, or escalation teams have been ineffective. Attached Documentation : Prior email to SOFI with routing/account numbers. Communications with VIS demanding removal from merchant access controls. Records of fraud claims filed with SOFI. Impact : Denied access to my funds during a critical time, causing financial and personal stress. SOFIs failure to follow my instructions reflects negligence and systemic failure. Requested Actions : Immediate wire of withheld funds. Review of SOFI and XXXX procedures to prevent repeated unauthorized charges. Confirmation that I will not be unfairly penalized for fraud outside my control. I expect this matter to be investigated and resolved promptly. I am escalating this with full documentation to ensure accountability. This is not a threatit is a documented promise to pursue resolution at the highest levels necessary. Thank you for your attention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NEXA Mortgage, LLC
State: TX

Complaint narrative:
Nexa Mortgage, after the breaches included in complaint XXXX, and the increased cost not honored due to negligence of the XXXX XXXX XXXX XXXX XXXX not locking the rate at 6.99 %, violating statutes of limitations on the XXXX rule, and deceptive practices presented before. Now, after all the stress and a cost of 1.3 % over XXXX loan amount, and with a very devoted mortgage officer who took care of the file. XXXX XXXX XXXX, NEXA Mortgage LLC Dba AXEN Mortgage, and REMN, the lender, who abused with pricing 1.7 % over the conforming type, and hiking the rate 1.3 % when the non-conforming mortgages were going up 40 bps, gets the rate locked at a very high cost for the borrower, and all delivered XXXX weeks before while trying to close for the first time and with the authorized mortgage already in the 3 days after starting the period of 12 days before closing, starts playing games asking for the same things delivered 15 days ago, which are all in evidence, and tries to change the agreed terms, after more than a month in the process with many violations already reported. XXXX XXXX tries to change the terms of a bilateral contract already formed, in evidence with offer, acceptance, and consideration in place, the high costs are already abusive, and she has started a fraudulent simulation in the name of NEXA and XXXX, intending to breach the formed contract, trying to excuse it by confusion to the loan officer by requesting things already on file with all the file completed and ready to close. These deceptive practices, by XXXX XXXX, NEXA Mortgage, AXEN Mortgage, and XXXX, are evident in the previous complaint, the emails delivering all that she is asking again, while delivered XXXX weeks ago, TEXTS, EMAILS, and other documents, while trying to violate the terms, and which will be very expensive if not closed, due to compromises alredy programmed, after fullfilling all the requirements, and locking the rate setting the date for closing, and the abusive increase on the spread they will charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
I am writing to formally report an issue with XXXX regarding unauthorized insurance charges on my account. XXXX offered me a credit account, which I accepted. However, I never used the credit and never purchased any products. At no point was I informed that insurance would be added to my account. Despite this, XXXX started charging me for insurance that was never explained, never authorized, and never agreed to. I have visited XXXX twice in person to resolve this issue, but they only repeat the same explanation and do not provide a real solution. This has caused me a waste of time and unnecessary stress. I clearly explained that I never requested or approved any insurance and never used their credit. Now, XXXX has sent this account to collections for charges related to insurance that was never disclosed or authorized. This is unfair and incorrect. I am requesting the following : 1. Immediate investigation of these unauthorized insurance charges 2. Removal of all insurance charges from my account 3. Removal of the collection account 4. Written confirmation that this issue has been resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a formal complaint against Bank of America ( BofA ) for repeated and systemic failures in their credit card payment processing system, specifically regarding the " Auto-Pay Statement Balance '' feature. 1. Facts of the Case : For the billing cycle ending in XX/XX/2026, my Statement Balance was {$4700.00}. My account was configured for Automatic Payment of the Statement Balance to occur on XX/XX/XXXX, XXXXone day prior to the due date of XX/XX/XXXX. Instead of fulfilling the authorized full payment, BofAs system arbitrarily triggered a payment of only {$1700.00} on XX/XX/XXXX, leaving a critical deficiency of {$3000.00}. 2. Negligence and Lack of Due Diligence : Upon noticing the discrepancy, I contacted BofA customer service. The representatives confirmed that the system data was inconsistent, showing two different " remaining balances. '' I was forced to perform a manual emergency payment of {$3000.00} today ( XX/XX/XXXX ) to prevent unlawful interest charges and potential credit damage. This is a recurring issue that BofA has failed to rectify despite prior notices. 3. Legal and Regulatory Violations : TILA ( Truth in Lending Act ) / Regulation Z : BofA failed to accurately process an authorized payment, leading to deceptive billing information. Electronic Fund Transfer Act ( EFTA ) / Regulation E : BofA violated the terms of a preauthorized transfer agreement by failing to pull the specified " Statement Balance. '' UDAAP ( Unfair, Deceptive, or Abusive Acts or Practices ) : Intentionally or negligently failing to execute a " Full Balance '' auto-paythereby exposing the consumer to predatory interest ratesconstitutes an " unfair and deceptive '' practice under the CFPB mandate. Desired Resolution : Due to the repeated nature of these failures, the significant time spent on manual oversight to avoid their " interest traps, '' and the severe XXXX XXXX caused by their unreliable financial infrastructure, I demand : A formal compliance audit of my accounts payment processing history. {$1000.00} in compensatory damages for settlement of the time loss, stress, and systemic harassment. I have successfully secured similar settlements ( e.g., XXXX XXXX ) for similar compliance failures and will not accept a generic apology as a resolution.A formal compliance audit of my accounts payment processing history. {$1000.00} in compensatory damages for settlement of the time loss, stress, and systemic harassment. I have successfully secured similar settlements ( e.g., XXXX XXXX ) for similar compliance failures and will not accept a generic apology as a resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation