vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
My mother bought plane tickets through a XXXX page. Then the man contacted my mother to exchange information. My mother then asked me to buy plane tickets with her, at a price of {$1000.00} per person. After sending the money via XXXX through Wells Fargo, the person blocked our contact information and changed their phone number. I then immediately contacted the company to resolve the issue. But they declined.

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 2026-01-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NC

Complaint narrative:
I am submitting this complaint regarding a vehicle lease serviced by Toyota Financial Services. I believe the lease contains a materially incorrect money factor that resulted in an overstated monthly payment and total lease cost. 

Lease details : * Vehicle : XXXX XXXX XXXX XXXX Plus XXXX * Lease Term : XXXX months * Dealer : XXXX XXXX of XXXX * Lease Date : XX/XX/XXXX * VIN : XXXX The lease contract does not explicitly disclose the money factor. However, using the figures stated in the Payment Determination section of the signed lease, the implied money factor can be calculated as follows : * Adjusted Capitalized Cost : {$32000.00} * Residual Value : {$18000.00} * Lease Term : XXXX months * Total Rent Charge : {$1900.00} Using the standard lease formula : Money Factor = Total Rent Charge ( ( Adjusted Cap Cost + Residual Value ) Lease Term ) This results in an implied money factor of approximately * * XXXX * *, equivalent to roughly * * 2.4 % XXXX * *. 

This is materially different from the money factor of * * XXXX * * that was represented during lease negotiations and relied upon in my decision to enter into the lease. A money factor of XXXX would have resulted in a monthly payment approximately {$50.00} lower than the {$400.00} payment reflected in the contract. 

I was not provided with a clear, written disclosure of the actual money factor prior to signing, nor was I informed that the money factor differed from what had been represented. The discrepancy was only discovered after independently calculating the implied money factor from the lease terms. 

I believe this constitutes : * A failure to clearly disclose the cost of credit in a consumer lease * A material misrepresentation affecting the total cost of the lease * A potential violation of the Consumer Leasing Act and Regulation M disclosure requirements I exchanged several e-mails ( attached ) with the finance XXXX ( XXXX XXXX ) at XXXX XXXX of XXXX regarding the lease discrepancy and they have not responded to my e-mails requesting that the error be corrected. My e-mails dated XX/XX/XXXX and XX/XX/XXXX went unanswered. 

I submitted a support request ( # XXXX ) directly with Toyota Financial Services on XX/XX/XXXX to request that the error be corrected. The case was marked resolved on XX/XX/XXXX with a response indicating that they would be unable to assist with the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Only XXXX person has sent me money on my PayPal account and they said they didnt do a dispute. My PayPal is permanently deactivated with {$300.00} in it. I needed the money for my sisters XXXX treatments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WAFD BANK
State: WA

Complaint narrative:
I am filing a complaint regarding my banks handling of a debit card dispute for merchandise not received. 

On XX/XX/XXXX I timely disputed a debit card transaction because the item was never delivered. The bank issued a provisional credit while it conducted its investigation. On XX/XX/XXXX The bank later reversed and removed the provisional credit from my checking account. 

The bank had failed to update my mailing address after a requested update to my address on file XXXX  months prior, at the branch location. After alerting them to the discrepancy, and the address being updated the credit was restored on XX/XX/XXXX I received a letter XX/XX/XXXX confirming that the bank had made a mistake on their end and had taken disciplinary action and supplemental training for staff at the branch location. 

On XX/XX/XXXX the bank reversed and removed the credit. The bank provided no advance notice and no written notice at all before removing the funds. I did not receive any written determination, explanation of the findings, notice of my rights, or the evidence relied upon, as required under Regulation E ( Electronic Fund Transfer Act ). 

The merchant did not provide proof of delivery or evidence that the merchandise was received, yet the bank still reversed the provisional credit. I was not provided any documentation supporting the banks decision and was given no opportunity to review or respond to any alleged evidence. 

Because the bank failed to comply with Regulation Es notice and documentation requirements, the reversal of the provisional credit was improper. Under Regulation E, a financial institution may not finalize a dispute or remove provisional credit without providing written notice of its determination and the basis for that determination. 

The unexpected removal of funds caused financial harm and disrupted my ability to manage my account. 

I am requesting that the bank : Re-credit the disputed amount due to its failure to comply with Regulation E notice and investigation requirements, Provide a complete written explanation and all documentation relied upon in the dispute determination, and Confirm that my account has been corrected and that future disputes will be handled in compliance with Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/year>, at XXXX PM at Chase bank ATM, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I deposited {$2000.00} in cash, all in XXXX. The atm ate my money, and right after said the atm cant accept cash deposits and machine was out of service. I never receive the cash, but a deposit slip dated saying to file a claim, I file a claim and it was denied. It was brand new bills with the {$1000.00} tag I ripped and put in the machine. The machine did not dispense the cash and said goodbye before I left. They did a lousy investigation and claims no wrong doing, I receive this slip so clearly I was there, and if they actually checked the recordings, you are telling me you did not see XXXX XXXX dollar bills being put in the machine???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ).

You are hereby directed to cease and desist from any and all communication with me regarding the above-referenced debt. This includes, but is not limited to, communication by telephone, mail, email, text message, or through third parties. 
Under federal law, once you receive this notice, you may communicate with me only for XXXX of the following reasons : To advise that further communication efforts are being terminated ; To notify me that you may invoke specified legal remedies ; or To notify me that you intend to invoke a specified legal remedy.

Any communication beyond what is permitted by 15 U.S.C. 1692c will be documented and may constitute a violation of federal law, subjecting you to civil liability. 
This letter is not a refusal to pay, nor is it an acknowledgment or validation of the alleged debt. It is a request that you comply fully with federal law. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage servicing was transferred to Rocket Mortgage ( formerly XXXX XXXX ). Since the transfer, I have experienced repeated servicing issues, excessive unwanted contact, and incorrect escrow calculations that materially affect my monthly payment. 
After the transfer, I received multiple unsolicited calls per day regarding refinancing, despite repeatedly requesting that contact stop. I placed my personal number on Do Not Contact. The company then began calling my office number instead, causing further disruption. All numbers are now marked Do Not Contact. 
Recently, Rocket Mortgage issued an escrow analysis increasing my monthly payment by approximately {$1000.00} per month ( from ~ {$2000.00} to ~ {$2800.00} ). When I contacted Rocket Mortgage, I was told this increase was due to a significant increase in my homeowners insurance. 
I contacted my insurance provider directly and was informed that my premium decreased this year, not increased. I relayed this information back to Rocket Mortgage. 

On XXXX, a Rocket Mortgage representative acknowledged that the escrow analysis was incorrect, re-ran the analysis, and stated that my correct monthly payment should be approximately {$2000.00}, reflecting only a property tax increase. I was told a corrected escrow analysis would be issued. 
However, the document subsequently sent to me was not corrected and still reflects the previously acknowledged erroneous higher amount. As of today, I have not received a corrected escrow analysis that matches what Rocket Mortgage verbally confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: CA

Complaint narrative:
What happened : On XX/XX/2025 I visited my local Wells Fargo branch to make a deposit. I was informed that my checking account had been emptied of more than {$9000.00}. With a banker 's assistance, I filed a fraud claim. During this process, I also learned that my Wells Fargo credit card had been compromised, and that a personal loan had taken out in my name, deposited in my account, and subsequently spent. I filed the fraud claim on XX/XX/XXXX, the account, credit card and loan encompassed within. On XX/XX/XXXX, I received a letter denying my claim. I filed an escalated claim on XX/XX/XXXX, and received a denial letter for said claim on XX/XX/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 2026-01-09 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: NY

Complaint narrative:
I am submitting this complaint regarding the closure of my Citibank credit card accounts. 

I made payments to my Citi credit cards using my own Citi checking account. The checking account had sufficient funds, and all of my payments were made on time. These payments were returned for reasons that were never explained to me. 

I contacted Citibank by phone multiple times seeking clarification and an opportunity to resolve the issue. Citibank did not provide any explanation and instead immediately closed both of my credit card accounts without notice. 

I did not engage in fraud, misuse, or any wrongdoing. I did not violate any cardmember agreement. 

I am requesting a written explanation for the account closures, confirmation that the accounts were not closed due to fraud or misconduct, and assurance that my credit reporting will reflect only closed by credit grantor with no adverse remarks.

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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
For the first couple of weeks of 2026 I have been asking for a reason why my previously acquired, and valid for seven years XXXX is now suddenly worthless when the XXXX itself is for the exact same XXXX  zone and intensity of the update. 
I spoke with FEMA, NOTHING CHANGED but A DATE on the Flood Maps. So updated maps showing the exact same information means i need to purchase insurance? The FEMA rep explained to me it is not as though FEMA says I need flood insurance its 100 % Rocket Mortgage. 
No Rocket employee has any answers. I've spent at least 5 or 6 times trying to speak with this company. They used to be amazing. 
I just spent almost 2 hours again trying to get information and I am hung up on. One lady told me to watch my language and I hadn't even sworn! 
I wonder how many others just pay the insurance. I have proof for my hazard it was good 7 years ago and nothing changed. 
If I need to hire attorney I will just please explain to me what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
When I got this account over a year ago, I only used for select purchases. I noticed I had multiple charges on same days for XXXX XXXX from XXXX  and XXXX XXXX. I disputed them and the took care of them, so I thought. They took care of most of them. I checked my year end of card purchases and payoffs, I saw 4 on there from XXXX XXXX XXXX and XXXX XXXX, XX/XX/XXXX. I thought oh XXXX, not this again! So I disputed them and they said they were from a year ago. I told them to review their records as I disputed all the charges and they said they took care of them. Apparently they missed 4, unbeknownst to me. They followed up with a report that stated since they were over a year old they could not investigate. I was lil belligerent as last time they were so helpful and took care of it, now they like sorry, cant help you. They have been great with helping dispute any charges. Until now, I told them I plan on paying of my card, less than a {$1000.00} and we can go out separate ways, since they acting like this now. But I thought Id drop you a line and see if I had any recourse. The charges are totaling less than {$500.00}, XXXX from XXXX  and one XXXX XXXX XXXX. The guys name is XXXX XXXX with affirm resolutions team, I have copies of conversations I screenshotted if you need them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a new complaint because the issue raised in my prior CFPB complaint remains unresolved. 

For over XXXX years, I have been unable to submit a processable application for an Apple Card due to a persistent system level identity error involving Goldman Sachs and the Apple Card platform. 

I previously held an Apple Card that was closed in good standing in XX/XX/XXXX. Since then, my original XXXX ID behaves as if an Apple Card is still active and does not allow me to apply. To work around this, I created a second XXXX ID and attempted to apply multiple times between XXXX and XXXX. Every application stalls indefinitely, remains under review without resolution, or ends with a generic system error. 

In response to my prior CFPB complaint, Goldman Sachs claimed that my applications were declined due to an inability to verify my identity. This explanation is inaccurate and incomplete. I have never been provided with any specific identity element that failed verification, nor have I been offered any remediation steps or a manual identity verification process. 

Goldman Sachs also stated that my applications are both declined and currently under review, which is contradictory. Most importantly, the bank did not address the underlying system linkage defect between my prior Apple Card account and my current applications. 

This is not a creditworthiness issue. My credit profile is strong and stable. This is an identity and system integrity issue that has effectively barred me from applying for a credit product indefinitely, without explanation or a path to resolution. 

I am requesting that Goldman Sachs perform a manual identity verification review, correct any internal identity or account linkage errors, and provide a clear, documented path that allows me to submit a valid Apple Card application like any other consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: TX

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 2026-01-09 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: TX

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

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 2026-01-08 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
State: NY

Complaint narrative:
I got a payment of {$84000.00} + {$10000.00} On XX/XX/XXXX And another payment of {$84000.00} + XXXX on XX/XX/XXXX I tried to link my debit card to make the transaction but it didnt work, my account got suspended. 

I sent emails, I tried to call! 
I really need the money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: KY

Complaint narrative:
My Chime debit card was newly issued due to prior fraud and was active for only XXXX days. The card was never used, saved, or entered into any apps or websites. Despite this, unauthorized online charges totaling approximately {$450.00} occurred at XXXX, XXXX, and XXXX. 

I contacted XXXX and XXXX directly and confirmed there were no charges on my accounts. Chime denied my dispute and failed to issue provisional credit, despite this being an unauthorized electronic fund transfer under Regulation XXXX ( XXXX CFR XXXX ). This indicates token-based or account-level compromise, not authorized use. I am requesting reversal of the charges and compliance with Regulation XXXX. 

Dates of unauthorized transaction are included in the screenshots below INCLUDING transactions that were tried and denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
After filing several complaints with the CFPB, Chase erased my password and locked my account on all my devices. I had no access to the account on XXXX XXXX. Chase erased my password and locked me out of my account at XXXX PM.

Company response to consumer: Closed with explanation