vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2026, XXXX unauthorized transactions totaling {$1500.00} were made at XXXX using my debit card. I was at work during the time of these transactions. I did not make these purchases, nor did I authorize anyone to use my card. My debit card had been lost before then, and was no longer in my possession at the time of the charges. I filed disputes with Chime for XXXX of the transactions : Dispute # XXXX XXXX separate transactions for {$500.00} ( XXXX different transactions ) at XXXX Dispute # XXXX XXXX transactions for XXXX at XXXX on XXXX XXXX as well. This is a clear case of unauthorized use under the Electronic Fund Transfer Act ( Regulation E ). Under Regulation E 1005.6, the bank is liable for all unauthorized charges that occur after I reported my card lost or stolen, and for any charges where I did not provide authorization. I request that these fraudulent charges be reversed immediately, as they were neither authorized by me nor benefited me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Formal Dispute Incorrect Collection Account I am formally disputing a collection account reported by XXXX to Transworld Systems Inc. in the amount of approximately {$2200.00}, which relates to devices that were returned and confirmed as received. In XX/XX/year>, I ordered an XXXX XXXX, XXXX, and XXXX XXXX from XXXX as part of a promotional offer associated with switching service providers from XXXX XXXX XXXX to XXXX. After receiving the devices, I decided not to proceed with the service transfer. I contacted XXXX and was instructed to return all items using their provided packaging and prepaid shipping label, with a {$50.00} restocking fee per item. On XX/XX/year>, I returned all three devices using XXXX prepaid XXXX label and original packaging. I have retained full shipment tracking and delivery confirmation showing that the package was successfully delivered. On XX/XX/year>, I received an automated email from XXXX confirming that the returned package had been received. However, on XX/XX/year>, I received a letter from XXXX stating that the items had not been received. I immediately contacted XXXX customer service and spoke with a representative who reviewed my account, acknowledged that the devices had been received, and advised me to disregard the letter. I was told that my account would be corrected within a few days. Despite this, I was later notified by XXXX that XXXX had reported the account to a collection agency for approximately {$2200.00} related to the same devices that were returned. I promptly contacted the collection agency, disputed the debt, and provided documentation including shipment tracking and proof of delivery. The collection agency responded that the debt was valid and declined to remove the account from my credit report. At no point have I retained possession of these devices after returning them. The devices should be fully traceable by serial number and/or IMEI, and XXXX has already confirmed receipt of the returned shipment. This collection account is inaccurate and reflects a debt that I do not owe. I am requesting a full investigation, including verification of XXXX receipt of the returned devices, and the immediate removal of this collection account from my credit reports. I am prepared to provide all supporting documentation, including shipping records, delivery confirmation, account correspondence, and return confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Bank of America approved multiple fraud claims using identical evidence but denied the remaining claims without explanation after the Regulation XXXX deadline, and is refusing to reimburse funds already validated as unauthorized. I am filing a complaint regarding my banks failure to properly resolve multiple fraud claims opened in early XXXX, which have exceeded the required timeframe under Regulation XXXX. The bank approved XXXX of my claims using the same evidence submitted for all claims, confirming the transactions were unauthorized. Despite this, the remaining claims were denied simultaneously without any new evidence or valid distinction. Friday XX/XX/year> A supervisor confirmed there are no additional documents on fileonly internal notes. These denials occurred immediately after I filed a prior complaint with occ At this point, the bank has already validated my evidence by approving the related claims. There is no basis for further review or delay. I am requesting regulatory intervention to require the bank to immediately reimburse the remaining claims consistent with the determinations already made. I have made repeated attempts to resolve this directly without success, and I am currently locked out of my account, preventing access to claim details. This matter requires immediate correction and reimbursement.

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: LA

Complaint narrative:
I did not consent nor had any knowledge of the banks my name was used in early warnings, all those accounts are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Mortgage company PHH which is now Onity has failed to pay my XXXX property taxes with my escrow money. I have spoken to their customer service twice, 1st attempt was XX/XX/XXXX and then again on XX/XX/XXXX. I was told both times that they couldnt tell me when my taxes would be paid. I have received a pre-foreclosure notice from my county stating that if the taxes are not paid by XX/XX/XXXX, they will foreclose on my 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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo increased their monthly service fee and the deposit limit to waive service fee for their business checking accounts without providing notice to customers. This is illegal. They changed their limit from {$500.00} to {$2000.00} and their fee amount from {$10.00} to {$15.00}. I kept {$500.00} in my account. As a result, {$15.00} was withdrawn from my account without my consent or knowledge.

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 2026-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I am writing to formally dispute inaccurate information that appears on my credit report. Upon reviewing my credit report from [ Name of Credit Bureau ], I have identified several errors that require immediate attention and correction. I am seeking your assistance in rectifying these inaccuracies promptly. Below, I have outlined the specific items in dispute : 1. Account Name : [ Name of Creditor ] Account Number : [ Account Number ] Description of Inaccuracy : [ Describe the nature of the inaccuracy, such as incorrect payment history, incorrect balance, or unauthorized account ] 2. Account Name : [ Name of Creditor ] Account Number : [ Account Number ] Description of Inaccuracy : [ Describe the nature of the inaccuracy, such as incorrect payment history, incorrect balance, or unauthorized account ]. [ Include additional accounts and corresponding inaccuracies, if applicable ] I kindly request that you conduct a thorough investigation into these disputed items. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair reporting of my credit information. I believe that the aforementioned items are reporting errors and do not reflect my true credit history. In accordance with the FCRA, I request the following actions to be taken : 1. Verification : Please provide documented verification of the disputed accounts, including any relevant contracts, statements, or payment records. 2. Investigation : Conduct a comprehensive investigation into the disputed accounts by contacting the respective creditors and verifying the accuracy of the reported information. 3. Correction or Removal : If the reported information is found to be inaccurate, incomplete, or unverifiable, I request that you correct or remove the disputed items from my credit report promptly. Additionally, as per the FCRA, I request that you provide me with a free copy of my updated credit report once the investigation is complete, including the corrected or removed items. Please send the updated report to the address mentioned above. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting. I expect the investigation and resolution process to be completed within the legally mandated timeframe of XXXX days. Should you require any further documentation or information from me to facilitate this investigation, please do not hesitate to contact me using the contact details provided above. I look forward to a swift resolution of this dispute and the subsequent correction of my credit report. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello. I am filing another complaint because this is getting out of hand. I already have a complaint file with case number XXXX. I had XXXX unauthorized transactions in XXXX, I filed a fraud claim with Wells Fargo where they denied the claim! I reached out to them again asking why this has been denied and they stated it was because it was authorized?! What horrible service. They said they will look into it again, and provide update in XXXX hours. I have not heard back from them. Now, I received XXXX more unauthorized transactions from same company/merchant! This is beyond frustrating as my previous claim was denied. I couldnt pay bill and rent on time, and now I am in a deeper hole because someone is using my XXXX money and account for their own purpose. Someone stole my hard earned money and I am struggling now!!!!! And Wells Fargo is not doing anything about it. This is another complaint asking you guys to look into the previous claim and this newly submitted claim of the XXXX unauthorized. I had my phone stolen at the end of XXXX and whoever has it, has been accessing my information. I am scared and beyond worried and beyond angry. Total money of fraud has totaled almost {$5000.00}, {$4100.00} easier and now {$700.00}. I will involve a lawyer and the police if this is not resolved ASAP!!!!

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 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In order to pay the account I must have the account number. I have asked Credence to provide this account number multiple times and it has not been provided. I can not pay until the account number is known, and they are not providing it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
AGGRAVATED VIOLATIONS OF FDCPA ( 15 U.S.C. 1692 ), TCPA ( 47 U.S.C. 227 ), AND XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, am a victim of Identity Theft ( 16 C.F.R. 603.2 ). I am disputing Account # XXXX. Transworld Systems Inc. ( TSI ) has engaged in egregious harassment by sending over XXXX ( XXXX ) text messages to my cellular device. These communications contained explicit profanity and obscene language, a direct and willful violation of 15 U.S.C. 1692d ( 2 ) and California Civil Code 1788.11 ( a ). LACK OF STANDING : I demand strict proof of the Chain of Assignment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TSI must produce the original contract bearing my wet-ink or verified electronic signature. Without this, TSI lacks the legal standing to collect. TCPA VIOLATIONS : These messages were sent via an Automated Telephone Dialing System ( ATDS ) without my prior express consent. Under 47 U.S.C. 227 ( b ) ( 3 ), I am seeking statutory damages of {$1000.00} per communication, totaling {$10000.00}, as a settlement for these willful violations and the emotional distress caused by their abusive tactics. XXXX CALIFORNIA COMPLIANCE : Under the California Consumer Financial Protection Law ( CCPL ), I demand full disclosure of any Automated Decision-Making Technology ( ADMT ) used to initiate these communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I went to XXXX XXXX in XXXXXXXX XXXX XXXXXXXX XXXX XXXX to get a car on XX/XX/year>. I walked out of there with a warranty and Gap insurance paying {$790.00} a month. About a month later the dealership calls and says my payment has changed to {$690.00} a month with no warranty. I called XXXX Financing and they mentioned I never had a warranty. For XXXX months now I have been without a working vehicle, my car has started just shutting off and there is a loud knocking sound, I recently took it to XXXX for a diagnostic because I have a XXXX they said my engine pre existing internal damage. I have been trying to XXXX the finance representative XXXX I originally worked with and he has not responded back within these 2 months when I recently spoke to the finance manager XXXX he said XXXX mentioned that he has been in contact with me, which is a complete lie!! He also told XXXX he told me to come in but I couldnt make it, which is another lie. If I had a car why wouldnt I go, I clearly wanted a warranty if I walked out of there assuming I had a warranty. Also the day I went to get the car, I took a XXXX there and stayed there for about XXXX hrs with XXXX small children and XXXX car seats so if I needed to get back up there my determination would not have held me back at all. I feel XXXX is completely lying not only to me but the staff up there at XXXX XXXX and now Im stuck in a contract with a broken vehicle with XXXX kids and pregnant, I am lost, hurt, and confused! Also I reached out to GM Financing and they said at no point did I ever have a warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: FORD MOTOR CREDIT CO.
State: SC

Complaint narrative:
On XX/XX/XXXX, around XXXX XXXX, I heard loud fumbling noises in my backyarddidnt know who or what. I came out the front door to check and there was a truck sitting in the ditch then I come off the front porch to see who was in the back yard and the truck sped into my driveway and nearly ran me over. Driver said Hey, I just want to talkbut after almost hitting me, it felt straight-up threatening. It was a repo truck. Repo agent said : Go ahead and hide the truckI know where its at, cause I put a tracking device on it. Admitted following me to courthouse that day. And said cops will take care of me next time. Knowing I have been tied up with legal issues with police then as he was backing out he said ha and your Ex-wife is working with us also, which their is a restraining order in place and they would not talk to my mom about a payment but will speak with my ex to my location and my financial. XX/XX/XXXX, they called my mom and she drove all the way up to my house to get permission to speak with them and I said yes on the phone so he continued to talk with her I just made a payment the week before and was going to make another one that day and another payment the next week he continued to say that was fine cause I was showing progress well then he changed his mind an said I had to pay XXXX $ and I said that is not what you said XXXX seconds ago and he denied and start telling me how am I gon na pay next month and that I dont have no money and that I threatened the repo agency and that he was charging off the account that I was denying he to have his collateral back that I was withholding the truck and so on and here I am willing to pay but he didnt like that and continue to say you cant afford it now what makes you think you can afford it next month. Bottom line the truck was wrecked in XX/XX/XXXX and the insurance did not cover all the damage still has XXXX worth of damage my payment is XXXX $ a month the truck is not worth but maybe XXXX at auction and im willing to still make the payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ZuntaFi Corp
State: MN

Complaint narrative:
ZuntaFi has represented that disbursements totaling {$28000.00} were made on my behalf. However, my current account statement reflects that I have paid {$55000.00} to datenearly double the amount allegedly disbursed. Despite these payments, I am still being advised that a balance remains due. I have never been provided competent evidence of the alleged disbursements, a complete transactional history, or an explanation demonstrating how I could owe additional sums after repayment in excess of the principal. I have never been provided with a contract showing the interest I allegedly agreed to pay. Further, in XX/XX/scrub> 2024, I informed my account XXXX, XXXX XXXX, that I would tender {$5000.00} as full and final settlement of any remaining balance. ZuntaFi accepted that payment. Notwithstanding this agreement and acceptance of funds, your company has continued collection efforts. Out of fear of adverse credit reporting, I made additional payments under duress. Continued collection activity under these circumstances is improper. I request refunds of any payments made since XXXX of 2024, totaling {$3300.00}. I was advised by the Minnesota Attorney General 's office that the Federal Trade Commission Holder Rule preserves a borrowers right to assert against a loan holder any claims and defenses that could be asserted against the seller of goods or services when the lender and the seller have a connected or referral relationship. Where a school and a lender have an ongoing business relationshipincluding referral arrangements, coordinated financing programs, or other financial tiesthe lender is subject to the same defenses arising from the schools misconduct. I informed Zuntafil this originally and they told me the Holder Rule does not apply to my loan. XXXX XXXX from XXXX XXXX is the school in connection with this loan. They have been found guilty by several courts that they engaged in deceptive and unfair practices related to the extension of credit and representations made at enrollment. Because this loan was made in connection with, and as a direct result of, that schools conduct and lender relationship, ZuntaFias holder and assigneeis legally subject to those claims and defenses. Under the Holder Rule, my recovery and offset rights apply up to the amounts paid under the contract. I have already paid XXXX XXXXXXXXfar exceeding the alleged principal of {$28000.00}. At minimum, no further collection is permissible, and cancellation is warranted. I have tried negotiating and talking with them and they do not answer my questions, nor offer any further explanations. They have told me what my disbursements add up to and when I point out that I have far exceeded that amount in payments, they have no additional response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation