vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: CT

Complaint narrative:
Our home suffered severe winter storm damage in XXXX, resulting in an insurance claim with XXXX. XXXX issued an insurance settlement check for the repairs on XX/XX/year>. Because the mortgage company is listed on the check, we followed their loss draft procedures. On XX/XX/year>, we uploaded the insurance XXXX 's damage worksheet to the company 's portal, and mailed the physical check on XX/XX/year>. The mortgage company received and has already CASHED the check according to XXXX records. Despite having our money in their possession since XX/XX/year>, they are engaging in predatory administrative delays, atrocious customer treatment, and complete disregard for our humanity. They have treated us with utter contempt. They repeatedly denied our uploaded XXXX documentation, fabricating excuses that it lacked a letterhead despite the XXXX logo being clearly visible. When forced to speak to a supervisor, the company finally admitted the document was correct and promised to overnight the funds. On XX/XX/year>, no check had arrived despite their promise to expedite and overnight the week before. We called again and were dismissed with excuses that it was still " processing. '' Late last week, we escalated to a supervisor due to severe housing instability. We explained this delay would push us another 5 months from our home being fixed. The supervisor explicitly guaranteed that the funds would be delivered by Tuesday, XX/XX/year> because no one in his office can override this? Today is Wednesday, XX/XX/year>. The promised deadline has passed, we have no funds, and the company 's online portal shows the check has not even been mailed. This is predatory behavior and a malicious withholding of our money. As a veteran family who pays our mortgage on time every single month, we are being treated like trash. The mortgage company is pocketing our insurance proceeds, actively preventing us from repairing storm damage, and forcing us to live in a ruined, unsafe home for an additional XXXX months because of their administrative negligence and broken promises. WE JUST WANT TO FIX OUR HOME.

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 2026-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Monday, XX/XX/scrub> 2026, I logged onto my Online Banking at Wells Fargo. I discovered that XXXX wire transfers, of which I had no knowledge and did not authorize, had been done. A wire transfer for {$22000.00} from my checking account to XXXX XXXX Bank and a wire transfer for {$49000.00} from my savings account to XX/XX/XXXXXXXX. I immediately contacted Wells Fargo in person, and the accounts were both closed. The branch manager initiated a Fraud Investigation Claim. XXXX days later, I was advised by Wells Fargo that both claims had been denied and the cases were closed. Their determination was that the transactions complied with the governing Security Procedure as defined in my account documentation. Under Wells Fargo 's Online Wire Terms and Conditions, Online Access Agreement and Deposit Account Agreement, I am responsible for online wires that comply with the governing Security Procedure, EVEN if I did not initiate them. My computer was obviously hacked into, but Wells Fargo provided NO type of security for these XXXX large wire transfers. In the history of these XXXX accounts, I have NEVER initiated wire transfers from either account. XXXX weeks has gone by, and I still have no resolution from Wells Fargo.

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 2026-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I have had an XXXX XXXX XXXX card through the XXXX for some time. We were notified earlier this year that City would be taking over these accounts from XXXX and I would receive a new card. After not receiving the new card but still being able to set up my online account, I contacted them. I was told my card was being close at the end of the expiration month. When asked why I was told only that a letter was forthcoming. I asked that the call be escalated which it was. After speaking with a supervisor I was told the same thing and nothing further. She did ask me if I would like to appeal the decision to close my card which I stated, " Yes. '' Within XXXXXX/XX/XXXX she stated it was denied again. I reframed her statement as said, " You literally appealed the decision to close my card and it was denied in such a short time? '' She replied, " Yes. '' In my opinion, this seems im probably. I called back again this morning to XXXX and asked for a Executive Response Unit member. I was told that I would be required to submit a hard copy complaint via XXXX Postal mail. I stated I did not have time for that. Here is the really important part, I have XXXX ( approx ) XXXX XXXX miles attached to this account. If the account is closed, I will have a timeline in order to exhaust these miles or lose them. I do not want that to happen. I also need that XXXX XXXX card not to close because I use this for booking flights. In short, I want Citi accept my account. Please also note, depending on which credit reporting agency you choose, my credit rating ranges from XXXX. I also own my home with no mortgage and carry minimal credit card debt with a perfect history of payments. Thus, there should be no reason why they are not accepting my cut over from 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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
No fraud claim. No identity theft claim. I am simply attempting to update my personal information and exercise my rights under the Fair Credit Reporting Act. I have repeatedly submitted requests to update my personal information and have provided identification documents and supporting documentation. Instead of processing my requests, Experian continues sending responses stating that they believe the disputes did not come from me, were not authorized by me, or were submitted by a third party. That is incorrect. The requests came directly from me. I have mailed documents. I have submitted documents. I have called. I have followed the instructions provided by Experian. Yet I continue receiving the same responses claiming my requests are suspicious, unauthorized, or associated with fraud. I have never claimed fraud. I have never claimed identity theft. I have never asked for a fraud alert. I have never requested a security freeze. I am simply requesting updates to my personal information and proper handling of my disputes. To make matters even more concerning, when I called Experian, I was informed that Experian does not verify or validate information and that I would need to contact the furnishers directly. I recorded this call. If Experian does not verify or validate information and simply reports what is provided, then I am confused as to how Experian can continue rejecting my disputes while simultaneously claiming information has been verified. I have spent months mailing documents, submitting identification, making phone calls, and attempting to resolve this issue. Instead of receiving assistance, I continue receiving responses that suggest fraud concerns that I never raised. This issue is discussed extensively by consumers online. Many consumers report receiving similar responses from Experian claiming disputes were unauthorized or suspicious despite submitting identification and supporting documentation. At this point, I am requesting that the CFPB review Experian 's dispute handling procedures, review the complaint history involving similar allegations, and determine why consumers continue receiving these responses despite repeatedly verifying their identity and following Experian 's instructions.

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 2026-06-17 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: I.C. System, Inc.
State: LA

Complaint narrative:
They call and said I'm looking for blanket and I'm like what the reason not aware the what you talking about don't know how my information was link can you please stop calling me cause this is getting out of hands, then reply by saying I'm a collection agency attempting to collect for a financial company or a unpaid balance you owe and didn't make the rest of your payments .Not sure if you have the right person but don't call me again and asking for my personal information .All year around and different number are codes getting out of hands and taking effect on my credit score.

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 2026-06-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-17 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I believe it was during XX/XX/year> that I charged my Barclays CC first {$25.00} toward an Application Fee at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) for my girl-friend daughter as an international student, Then I charged the card with another {$1700.00} for first term Tuition. She could not get a visa and about 10 days or more ago I asked the International Student dept. of XXXX to refund that money. They immediately did and sent me a confirmation email which I informed Barclays XXXX XXXX of mine immediately. I have contacted Barclays XXXX card several times. They have only posted {$25.00} of the refund that was refunded to them on the same day right after they refunded {$1700.00} first. Each time I call them they say you have Credit balance of {$25.00} but {$1700.00} has not yet been posted. I get very angry each time I call them and my XXXX XXXX jumps to the roof. Please tell this thief to refund me immediately. That's why I stopped using their card. Please act fast. Thank you very much, 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 2026-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Specifically : The balance has nearly doubled from the original amount of {$400.00} without proper explanation or validation. No documentation has been provided proving I am legally obligated for this debt. There is no clear record of the date of first delinquency, which is required for accurate reporting. I have not received proper validation of this debt as required by federal law. Under my rights pursuant to the FCRA and FDCPA, I demand the following : Full validation of the alleged debt, including : A copy of the original contract or agreement bearing my signature A complete payment history Documentation showing how the balance increased from {$400.00} to {$790.00} Proof that your agency is authorized to collect on this account Verification of reporting accuracy with all credit bureaus to which this account has been furnished Immediate deletion of this account from my credit report if you are unable to provide proper validation within the legally required timeframe Additionally, you are hereby instructed to cease all collection activities until this matter has been fully investigated and validated. Any continued reporting of unverified or inaccurate information may constitute willful noncompliance with federal law. Be advised that failure to comply with this request may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office, as well as potential legal action.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I went into the Wells Fargo XXXX in XXXXXXXX XXXX to open an account and deposit XXXX government checks I had. I deposited XXXX check in savings for the amount of {$10000.00}, and the other check into checking in the amount of {$6000.00}. I checked the account in the morning ( XX/XX/year> ), and the checks were not showing at all so I called Wells Fargos customer service, I was transferred falsely accused of depositing bad checks, told to go to the branch of the deposit and that my account was blocked and would be closed, and then I was hung up on. So I drove XXXX hours to the branch and they could not help me at all. They claimed they did not have access to the checks, and they dont handle those issues at the branch, but the teller, XXXX XXXX was confused as to why checks from the XXXX Treasury XXXX have any issue. Today XX/XX/year>, I go to look at the account and now the checks are showing as deposited so I call the Wells Fargo customer service, I get transferred and the representative did not make sense. He said my account would be closed because I deposited bad checks ( again being falsely accused of a federal crime ), but then he said they were able to cash the checks, then he said the bank on the checks were no good. I told the representative you are not making sense and I did not understand and he hung up on me also. I do not understand why/how they can cash a government check, deny me access to my money, falsely accuse me of depositing bad checks issued to me by the XXXX Treasury and XXXX my accounts because they made a mistake.I am also concerned they will put it in my consumer banking report as account closed due to fraud. No customer that does not understand what is going on with their account and money should ever be hung up on, not just once but twice. I did not bother to call back since it appears they frequently hang up on their customers. I am being denied access to funds given to me by the government and access to accounts I just opened.

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 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
I am writing to formally report unauthorized transactions that occurred on my MoneyLion account. I recently discovered that an unknown individual gained access to my account information and used it to conduct transactions with XXXX without my knowledge or authorization. The unauthorized activity resulted in losses totaling more than {$5000.00}. I did not authorize these deposits, withdrawals, transfers, or any gambling-related transactions associated with XXXX. I have never provided permission for anyone else to use my account, debit card, or banking information for these transactions. Upon discovering the fraud, I immediately reviewed my account activity and identified multiple transactions that I do not recognize. I am requesting that MoneyLion conduct a full investigation into these unauthorized transactions and provide any available information regarding how they were processed. I respectfully request the following : 1. An immediate investigation of all unauthorized XXXX transactions. 2. Reimbursement of all funds determined to be fraudulent. 3. A review of any linked devices, IP addresses, or account access associated with the unauthorized activity. 4. Protection of my account from any further fraudulent transactions. 5. Written confirmation that my fraud claim has been received and is being investigated.

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 2026-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A recent data breach resulted in the compromise and unauthorized use of my personally identifiable information. As a result, my credit report has incorrect late payment records, strange credit inquiries, and unauthorized accounts that I did not open, approve, or recognize. I am formally demanding a thorough reinvestigation of these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). I request that any information that is determined to be false, fraudulent, or unverifiable be permanently removed from my credit file. An Identity Theft Report and other supporting materials are enclosed to help with your inquiry.

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 2026-06-17 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: LA

Complaint narrative:
XXXX had the collection agencies underneath their umbrella XXXX XXXX XXXX XXXX XXXX which now is Ascendium and US FUnds submitted into court with me to have my wages garnished for a grand total of {$13000.00}. Through wage garnishment through my employer XXXX they collected {$20000.00} in payment.They never corrected my account and left me in default and then sold my loan. By them selling my loan I have other lenders that are trying to sue me for three same debt I already paid of off Which are Ascendium and 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