vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX Wells Fargo Home Mortgage Willfully maliciousness mismanaged our home mortgage ( Loan # XXXX ) In XX/XX/year>, During the COV-19 pandemic, I chose to use The Cares Act ( Loan Forbearance on my mortgage, which is owned by XXXX XXXX and Serviced through Wells Fargo home Mortgage, upon entering the forbearance program, since my mortgage was owned by XXXX XXXX , I chose to use the Deferred to end of mortgage for repayments on the loan for missed payments, But Wells Fargo Employees contacted me and my wife on numerous occasions stating that we must make the past payment in full or be foreclosed on our loan, they even sent us a letter demanding the full payment of the loan as well as filling foreclosure onto my home, which we had to hire an attorney and paid {$2500.00} dollars to fight the foreclosure. I had reported to the following agencies that Wells Fargo was Willfully maliciously mismanaging our home loan sent along with my complaints copies of the policy on handling XXXX XXXX XXXXXXXX XXXX. with no results or help with Wells Fargo, Complaints were file with : Wells Fargo Home Corporate Office, Consumer Financial Protection Bureau. The following concerns were reported to the agencies : 1 ) Willfully changed the amount of mortgage payment written on a check from {$2100.00} dollars, change to {$2400.00} Dollars ( Fraud ) 2 ) Falsely opening several unauthorized accounts on to my open Loan ( accidental Death / injury / home warranty insurance as well as opening an additional home insurance. Also, on my loan that was paid off, they had unauthorized accidental injury / death insurance as well as additional homeowner insurance policies. ( Scheme to defraud ) XXXX ) Additional payments were used to open unauthorized accounts such as additional home insurance and home warranty instead of placing them into the escrow account, which caused our escrow to fall short. XXXX ) Harassments calls from Wells Fargo employees calling, hanging up and laughing saying we will have your home soon. Calls several times daily to my cellphone as well as my wifes cellphone. ( can provide calls logs from both cellphones ) XXXX ) Sending Demands letters for full payment of the XXXX XXXX loan XXXX ) Falseness foreclosure lawsuit case # XXXX XXXX. XXXX ) Also Wells Fargo Moved our home loan to XXXX without contacting US, which caused Us to be late with making our first loan to XXXX. XXXX ) During the times when Wells Fargo mismanaged our home loan, it prevented US from being able to take advantage of the very low interest rates. Truly, XXXX XXXX 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 2026-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
I refinanced my federal student loans with a SoFi student loan refinance loan totaling {$240000.00} with origination date of XX/XX/year>. It has now been 38 business days since disbursement, and only one of the four payoff payments has been received and applied to my XXXX account. The remaining three payments can not be located or confirmed by my loan servicer. I have contacted both SoFi and XXXX and filed complaints/initiated investigations with no results. XXXX has opened a research request but has not identified the missing funds. SoFi has not yet resolved the issue or provided sufficient confirmation or trace documentation for the missing payments. As a result, I remain responsible for loan balances that should have been paid off through the refinance, creating financial risk and potential negative credit impact. Furthermore, interest is actively accruing on the remaining {$180000.00} that is not yet been credited to my XXXX account. I am requesting that SoFi : Initiate and complete a formal payment trace for all missing disbursements Provide full documentation of all payments sent ( dates, amounts, method, check numbers ) Reissue any payments that are lost or unprocessed I am also requesting that my loan servicer XXXX properly investigate and apply any received funds. My initial disbursement date was XX/XX/year>, with a total of {$56000.00} being credited to my XXXX account, however the total amount of funds missing from my XXXX account are {$180000.00} I am missing Student Loan Refinancing disbursements totaling {$180000.00} to my XXXX account and Department of Education. SoFi issued payoff payments to my prior loan servicer for XXXX loans, but only XXXX of the XXXX payments has been received and applied. It has now been greater than XXXX business days since disbursement. SoFi Original Check # XXXX transaction number # XXXX totaling {$56000.00} was received and processed by XXXX XX/XX/year>. however, transaction numbers XXXX totaling {$78000.00} XXXX totaling {$53000.00} XXXX totaling {$51000.00} Were NOT received and processed by XXXX This situation is time-sensitive, as I remain responsible for balances that should have been paid off through this refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ND XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint and Dispute Under FCRA & Identity Theft ( XXXX XXXX XXXX XXXX Account ) To Whom It May Concern, I am submitting this formal complaint and dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and identity theft protections under 15 U.S.C. 1681c-2. I have discovered fraudulent and inaccurate information being reported on my consumer credit file. Specifically, the account listed as : - Creditor : XXXX XXXX XXXX XXXX - Account Status : Open, Past Due - Reported Balance : {$2000.00} - Late Payments : 2 This account is the result of identity theft, which I have already reported to the Federal Trade Commission. My Identity Theft Report reference number is : XXXX ( See attached documentation : FTC Identity Theft Report and credit report excerpts ) Under FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. I did not authorize, open, or benefit from this account, and I am not liable for this debt. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ), no furnisher may report information that is inaccurate or that they have not properly verified. The continued reporting of this account is damaging my credit profile and causing measurable harm. I demand the following actions : 1. Immediate investigation of this fraudulent account 2. Permanent deletion/blocking of the XXXX XXXX XXXX XXXX account from all credit reporting agencies 3. Written confirmation of deletion 4. Cease all reporting of this account to any consumer reporting agency Failure to comply with this request will result in further action, including escalation for violations of federal law. This letter serves as notice that I am exercising my rights under federal law. I expect this matter to be resolved within the statutory timeframe of 30 days. Sincerely, XXXX 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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I disputed several Affirm accounts that are currently being reported on my credit file and requested verification of the information being reported. Specifically, I requested documentation showing that the accounts belong to me, copies of the original agreements, a complete account history, and an itemization of the balances being reported. Despite my dispute, the accounts continue to be reported as charged off without Affirm providing sufficient documentation verifying the accuracy of the information. I have not been provided with the documentation necessary to confirm that these accounts are accurate or that the balances being reported are correct. These accounts continue to negatively impact my credit report despite my dispute and request for verification. I am requesting regulatory review of Affirms reporting practices and the accuracy of the information being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Reviewing my Chase checking account statement and balances as usual recently ( XX/XX/year> ), I noticed XXXX transfers OUT of ( debiting ) my account that I had not authorized. The names of the payees were completely unfamiliar to me and unrelated to any transaction I had approved. In other words, they were clearly simply fraudulent. ( I had not used XXXX at all for weeks. ) The names of the transferees were " XXXX XXXX '' and " XXXX XXXX. '' Neither name is in any way familiar to me. I know no one by either name and have not done business with anyone by those names. But when I reported this information to Chase, at first they would not take my complaint at all. Then they claimed they had performed an investigation and found nothing " out of order, '' so they would not reimburse me for the stolen funds. I requested a copy of their report and information about the transferees, such as the phone number they used to verify the address and or login information, in accordance with XXXX 's standard procedures. When I have tried to transfer money properly by XXXX to my own family members, for example, Zelle/Chase has always required I provide a verifying number. And since this would be my payee or transferee, if these transfers were normal, I would know the phone number, so there is obviously no privacy at issue. ( Privacy from the victim for thieves certainly seems counter-intuitive anyway! ) _ Chase refused all my information requests. They refused even to provide evidence that an investigation had been done. According to Chase, I just have to take them at their word, their oral word -- and XXXX it up : accept the losses. But they clearly did not apply the same security rules to these thieves as they have to me. For example, when I have attempted to transfer money properly to my own family members, XXXX has refused to allow me to transfer over {$500.00} on a first time transfer to a new payee. They have always required multiple transfers of, at most, {$500.00} before they would allow a larger amount to be transferred. But the supposed " XXXX XXXX '' transfer on XX/XX/year>, which was the first fraudulent transfer, was for {$2000.00}. So they XXXXChase has XXXX substantially more accommodating of these fraudsters than they have been of me. They have not protected my account and my funds in these transfers as securely as they have done in the past. It feels very dishonest and corrupt on XXXX 's XXXX. But at the very least it is inconsistent with past business practices and a laxity towards security in favor of these fraudsters and in a way that has harmed my financial interests. This seems grossly inequitable, and the failure is clearly XXXX 's

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I am submitting a complaint regarding my auto loan with XXXX XXXX XXXX My account has never been included in bankruptcy proceedings. Although I filed a XXXX XXXX bankruptcy, the case was dismissed and this auto loan was not part of that filing. I have continued making on-time payments on this account since XX/XX/year>, and the account remains active and in good standing. However, XXXX has stated that they are not reporting this account to the credit bureaus due to an internal bankruptcy flag. They also indicated that they can not remove the bankruptcy designation from the account due to internal policy. This is concerning, as the account is not currently in bankruptcy, was not included in the bankruptcy, and remains active. Maintaining a bankruptcy-related designation or suppressing reporting under these circumstances may result in incomplete or misleading credit reporting. I am requesting that XXXX review this account for accurate classification and determine whether the account can be reported to reflect my positive payment history. I am not disputing the validity of the account, but rather the accuracy of how it is being classified and handled in relation to credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing a complaint against this debt collector, XXXX XXXX XXXX for attempting to collect the following debts that is the result of identity theft : XXXX XXXX XXXX # XXXX {$3600.00} XXXX XXXX # XXXX {$6100.00} The account in question was opened fraudulently without my knowledge, consent, or authorization. I was a victim of domestic XXXX during the time this account was created, and my personal information was used without permission. I do not owe this debt, have never used this account, and did not receive any benefit from it. I notified the debt collector that this account is fraudulent and requested that they cease collection activity and remove any credit reporting associated with it. Despite this, collection activity and/or reporting has continued. This conduct is harming my credit and causing ongoing distress related to past abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
I have never had a relationship with Radius Global Solutions, LLC. I asked them for debt validation, meaning payment history, my signature on a contract, any insurance claims, and the chain of titles. First they sent me a letter dated XX/XX/XXXX, stating the debt stemmed from services rendered on XX/XX/XXXX. Those services happened over XXXX years ago. Under XXXX XXXX XXXX that date is way out of date. I got another letter dated XX/XX/XXXX, with a fake bill from XXXX XXXX XXXX dated XX/XX/XXXX. That bill is impossible because it was charged off in XXXX. A made up bill is not proof of a debt I owe Radius Global Solutions, XXXX. Their failure to supply debt validation under XXXX XXXX XXXX means they need to remove this from my credit report.

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 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I was sent a link on XX/XX/XXXX, and I looked at it for a second and didnt think to much of it. It was a link that was related to cashapp that said my barrow went up and I looked at it then just left it alone.Then a day goes by nothing happens. On XX/XX/XXXX in the morning at XXXX there was a login on my cashapp. Then at XXXX {$780.00} was taken then another {$770.00} my bank is linked with cashapp too so they started to pull whatever I had in my checking. It was another {$210.00} they took from my cashapp barrow another {$210.00}. Then another {$500.00} was taken then another {$370.00} then {$850.00} then {$220.00} from my cash app barrow again. They sent it all through bitcoin it started at XXXX am and ended at XXXX. My bank with chime and they had no problem sending me what they took from my bank to cashapp which was {$1000.00} out of about {$5000.00} that was taken from me. I talked to cashapp and they just told me to wait and XXXX in need of the money. They told me everything was good after that then on XX/XX/year> my income tax had went into my cashapp which was {$2200.00} at XXXX am then it was taken shortly after too on XX/XX/year> at XXXX am. I didnt know what to think. Cashapp told me everything was good from the first dispute. My account was still hacked and my money was taken again. I called cashapp and they just told my they needed to investigate it too. Its been XXXX days and I still havent heard anything from them. I need help getting my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my checking account with JPMorgan Chase that were denied reimbursement under the XXXX liability rule. On XX/XX/XXXX, I was charged {$160.00}, followed by another unauthorized charge of {$73.00} on XX/XX/XXXX. I did not authorize either of these transactions and had no knowledge of them at the time they occurred. I became aware of these transactions only after a delay, as there was no clear or effective notification from the bank that would have reasonably alerted me to this activity. As soon as I discovered the issue, I promptly reported it to Chase. Chase approved reimbursement for only one transaction but denied the other solely based on the XXXX reporting rule. However, the delay in reporting was due to delayed discovery, not negligence. These transactions are clearly fraudulent, and I did not benefit from them in any way. Additionally, this is not an isolated issue. I have previously filed a complaint against Chase regarding similar handling of a credit card dispute involving misleading or false assurances. This raises serious concerns about the banks handling of fraud claims and consumer protection. I respectfully request that Chase : Conduct a full exception review of the denied transaction Reconsider the denial in good faith, given the circumstances of delayed discovery Provide reimbursement for the unauthorized transaction ( XXXX ) Provide a detailed explanation of the investigation and decision-making process I am a victim of fraud and expect fair treatment under applicable consumer protection standards, including those enforced by the Consumer Financial Protection Bureau XXXX I request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: MD

Complaint narrative:
To Whom It May Concern, I am formally disputing the above-referenced account as it does not belong to me. I have never resided at the property in question, never entered into any lease agreement associated with this account, and have no knowledge of this debt. The documents you previously provided are insufficient to establish any obligation on my part. They contain no verified signature, no personal identification, and no proof linking this account to me. Under federal law, you are required to comply with the following : XXXX. Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX You must provide accurate debt validation before attempting collection ( XXXX ). Misrepresenting the character, amount, or legal status of a debt is prohibited ( XXXX ). Continuing to collect a debt not legally owed constitutes harassment and a violation of federal law. XXXX. Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX All information reported to credit bureaus must be accurate, complete, and verifiable ( XXXX ). If this debt can not be legally verified as mine, it must be immediately and permanently deleted from all credit reporting agencies. XXXX. Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX Any debt claimed must be supported by clear disclosure of the original creditor, terms, and agreement. XXXX. XXXX XXXX Transfer Act ( XXXX ), XXXX XXXX. XXXX Attempting to collect via electronic payment without proper verification is illegal. XXXX. Uniform Commercial Code ( XXXX ), Article XXXX & XXXX ( as applicable ) Any claim of debt must be supported by a valid contract or enforceable financial instrument. XXXX. State Consumer Protection Laws ( Washington, XXXX XXXX and others ) Attempting to collect a debt from the wrong individual XXXX constitute deceptive or unfair business practices under state law. I demand legally valid documentation proving this debt belongs to me, including : The original signed lease agreement with my verified signature The rental application and identification used to open the account Documentation showing how my identity was verified at the time of lease signing Any records linking my Social Security XXXX or date of birth to this account A complete and itemized account history If you can not provide this documentation, you are required to : XXXX. Immediately cease all collection activity XXXX. Permanently delete this account from all credit reporting agencies XXXX. Understand that continuing to pursue this account without valid proof is considered illegal harassment and misrepresentation, which may result in : Complaints filed with the Consumer Financial Protection Bureau ( CFPB ) Complaints filed with the Federal Trade Commission ( FTC ) Complaints filed with state consumer protection agencies Legal action for violations of federal and state laws This letter serves as my final demand. All future communication must be in writing only.

Company response to consumer: Closed with explanation