vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$43000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with SoFi prior to loan approval. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me. After the funds were deposited into my bank account, I was instructed under false pretenses to transfer a portion of the proceeds as part of the supposed program requirements. On or about XX/XX/year>, I wired approximately {$35000.00} to third parties. I was told these funds would be used to make initial loan payments and qualify for forgiveness. An initial payment was made in XX/XX/year>, which reinforced my belief that this program was legitimate. However, the individuals involved became unreachable, and the XX/XX/year> payment was not made on my behalf. Instead, the payment was deducted from my own account. At that point, I realized I had been the victim of a scam. On XX/XX/year>, I reported the fraud to SoFi. On XX/XX/year>, I filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I formally submitted a written Notice of Fraud and Demand for Rescission and requested that this loan be treated as fraudulent, that all collection activity be halted, and that communication be conducted in writing only. Despite this, I continue to receive repeated collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status or any meaningful response addressing the identity theft. This is not a case of inability to pay. This is a documented case of identity theft involving false underwriting information, lack of authorization, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Goodleap issued a loan for solar panels for a company that has gone out of business and is not honoring the warranty. I have suffered roof damage and received no assistance regarding what was agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Complaint Against Digital Federal Credit Union ( DCU ) Chargeback Refusal I am filing a complaint against Digital Federal Credit Union for refusing to properly process a valid dispute under XXXX chargeback rules. Transaction Summary : Product : XXXX XXXX Printer ( XXXX model ) Amount : Approximately $ XXXX ( plus additional costs for required parts and supplies ) Purchase Date : XX/XX/2024 Issue : Defective product never functioned properly Nature of Complaint : The product was defective from the outset, specifically involving failure of the white ink system. However, the merchant required extensive troubleshooting over an extended period, including replacing parts such as the white ink pump, tubes, and performing multiple technical procedures. I followed all instructions in good faith. Despite these efforts, the printer never became operational. Most recently, it was determined that the white ink system can not draw ink at all, confirming a fundamental defect in the product. Key Issue Improper Denial by DCU : DCU denied my dispute solely on the basis that more than XXXX days had passed since the transaction date. This is an incorrect application of XXXX dispute rules. Under XXXX guidelines, the dispute timeframe should begin from : The date the defect was discovered, OR The last date of attempted resolution with the merchant In my case : The defect was not fully diagnosable until recently due to ongoing merchant-directed repairs The merchant kept me in a prolonged repair loop, delaying discovery of the true failure Therefore, this qualifies as a delayed discovery of defective merchandise, and the dispute remains valid. Evidence Available : Screenshots of communications with the merchant Video documentation of product failure Proof of attempted repairs and part replacements Timeline of ongoing troubleshooting Requested Resolution : Immediate reopening and proper handling of my dispute under XXXX guidelines Full chargeback of the original transaction amount Consideration of additional related costs incurred due to the defective product Summary : DCU failed to properly evaluate this dispute under applicable XXXX rules and instead issued a blanket denial based on timing alone. I am requesting that this matter be escalated and reviewed in compliance with federal consumer protection standards. I am prepared to provide all supporting documentation upon request. 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 2026-03-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: D2 Management LLC
State: TX

Complaint narrative:
HELLO I AM GETTING HARRASSED WITH MULTIPLE EMAILS, TEXT, PHONE CALLS ADKING TO PROVIDE NAME AND DOB BEING VERY RUDE AND THREATING ME. I WANT TO TAKE LEGAL ACTION REGARDING THIS COMPANY XXXX MANAGEMENT AND THEY SRE ASKING ME TO SIGN A DOCUMENT. ASKING FOR MY SOCIAL SECURITY, NAME, DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My name is XXXX XXXX, residing at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX. I am writing to file a complaint against Truist Bank regarding incorrect information reported on my credit report. This issue involves a credit card debt account with the number XXXX, which has been erroneously marked as charged off. I have noticed that this account is incorrectly reported on all three major credit bureaus : XXXX XXXX XXXX XXXX This misinformation has severely impacted my credit scores, which currently stand at XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX. I have previously filed disputes concerning this matter on three separate occasions : XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each dispute was submitted through the credit bureaus using their respective automated dispute systems, commonly referred to as XXXX. ' Despite my efforts, the information remains unchanged, and the inaccuracies persist. The Fair Credit Reporting Act ( FCRA ) mandates that information reported on consumer credit reports must be accurate and verifiable. The continued reporting of this account as charged off is a violation of my rights under the FCRA. The failure to correct these inaccuracies after multiple disputes has caused undue stress and has adversely affected my ability to obtain credit at reasonable terms. This incorrect reporting has not only lowered my credit scores but has also resulted in rejection for credit applications and higher interest rates, costing me financially and emotionally. The negative impact on my creditworthiness is unwarranted, given that the information is incorrect and should have been rectified promptly. I seek a complete removal of this account from my credit reports with XXXX XXXX XXXX XXXX. This action will help restore my credit standing and prevent further harm. I appreciate your prompt attention to this matter and look forward to a swift 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 non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I XXXX started my disputes with XXXX in XXXX and XXXX and XX/XX/year> I provided XXXX XXXX about an account reporting not correct the still said it will remain and did not change any information I also reached out to XXXX and I filed dispute and was told all information was verified, I reached out to Resurgent and was told we own this debt and we going to to take you to court and take everything I asked for the contract that I singed with them I was told we don't have to provide that because you owe the outstanding debt. XXXX removed and investigated, removed incorrect accounts with the Law but I have tried over and over and I feel at this point I am being targeted and not being treated fair under the laws that protect consumers. I feel like once I reached out I was really targeted and mistreated by credit bureau and a target for collection agencies making threats to turn my life XXXX down!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
On XX/XX/XXXX Regions was notified that a title release was requested from a home equity line of credit of {$95000.00} in XXXX, XXXX. The home was refinanced in XXXX of XXXX and that line was paid off. The title was not released from that. When the lender of the buyer conducted a title search this information was discovered and I have called daily for a loan release. Regions is now telling me it may take up to 30 days. I need it released. Who will compensate me for financial losses I have suffered? How can the public be warned of the negligence of Regions?

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
We initially sent a Qualified Written request letter on XX/XX/XXXX to RoundPoint Mortgage Serving LLC advising them that they were requiring escrow payments far in excess of the required amounts pursuant to XXXX XXXX They responded to the letter on XX/XX/XXXX reiterating that their calculations were correct. They ignored my position that their calculations monthly, did not take into account the required yearly analysis and instead, would be holding more than 3 times the escrow permitted by State and Federal Law. ( See XXXX XXXX XXXX XXXXXXXX XXXX and Federal RESPA regulations 12 CFR 1024.17 ) I then responded to that letter on XX/XX/XXXX indicating that they did not address the core question of them violating State and Federal law, but also suggested an amicable resolution to the issue in which I would resolve the issue and still provide a significant cushion which is still greater then allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I have made multiple attempts to contact this company directly to request validation of this debt, including requests for a signed lease agreement, payment history, and proof of my legal responsibility. To date, I have received no response. Despite this, the company continues to report this account to credit bureaus while it is under dispute. I am also requesting that the credit bureaus explain their method of verification for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a follow-up complaint regarding a previously closed CFPB case involving unauthorized wire transfers from our Wells Fargo account. Wells Fargo denied reimbursement based on their determination that the transactions were authorized because our username, password, and one-time passcodes were used. We did not authorize these wire transfers. They occurred during a broader hacking and identity-theft incident affecting multiple financial accounts. We previously filed an identity-theft report with the Federal Trade Commission through XXXX and reported the incident to our local police department, where we were given an incident number. At the time of the transactions on XX/XX/year>, our mobile phone service with XXXX was not functioning for several days, and we were unable to receive text messages. This directly contradicts Wells Fargos conclusion that one-time passcodes sent to our phone were received and used by us. The presence of a one-time passcode does not establish authorization, particularly in the context of a broader account compromise and when we were unable to receive those messages. The wire transfers were sent to a company called XXXX XXXX. We do not know this company and have never done business with it. Wells Fargo acknowledged that XXXX wire transfers totaling {$2500.00} occurred and that XXXX transfer for {$1500.00} was cancelled. However, they refused to reimburse the remaining {$1000.00} and have closed the inquiry. We are requesting that Wells Fargo review this matter again, specifically address how one-time passcodes could have been used when our phone service was not functioning, and reconsider reimbursement for the unauthorized {$1000.00} wire transfer. We also request a detailed explanation of the security procedures Wells Fargo relied on in determining that the transactions were authorized.

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 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Fidelity Services, LLC
State: MO

Complaint narrative:
I received a call today, XX/XX/XXXX from XXXX claiming they represented Midwest Fidelity Services trying to collect a debt of approximately {$2300.00} that originated as a personal loan from XXXX XXXX XXXX on XX/XX/XXXX. I never applied for this loan, and the loan has never shown up on any credit report. When I said this, the person I was speaking to put me on hold while he " checked something '' and I eventually hung up. I have not received any written communication about this loan, nor have I ever heard of either XXXX XXXX XXXX or Midwest Fidelity Services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a deposit into a ATM on XX/XX/XXXX and it was {$1600.00} dollars it did not make it into my account repeat did not receive my deposit I filed a claim and a Bank of America make a error on there own on my claim! They are trying to punish me for actions I have not committedthey are literally making hardship due to there error and this is unfair!! My money should have came like how it usually does!! My money I work and sweat for! They gave me temporary credit and now they are trying to take my money again and make my account into the negative and that will cause me to be homeless and out of a home this is not fair its not right! You guess have to and I mean have to fix this! This is literally going to cause me hardship due to atm and service error which I did not commit! I need my compensation and I need to keep my money to live or I will be suing

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 2026-03-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Tesla, Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX, I returned my leased XXXX Tesla Model Y to Tesla in XXXX XXXX, New Jersey. Teslas website subsequently confirmed that the vehicle had been transferred on XX/XX/XXXX, that the lease was complete, and that the account was in good standing. Despite this, Tesla has not notified the leasing company, XXXX XXXX XXXX, that the vehicle was returned. As a result, XXXX continues to show the account as delinquent and is claiming a past due balance of {$750.00}, with a total amount due of {$1500.00}. I have contacted Tesla multiple times requesting that XXXX be notified immediately that Tesla is in possession of the vehicle, but I have not received a response or resolution. I have also contacted XXXX and disputed the balance, but they state they have not yet received notice from Tesla and will not offer me any further assistance. I am requesting that Tesla immediately notify XXXX XXXX XXXX that the vehicle was returned on XX/XX/XXXX, and confirm that no further payments are owed. I also request that XXXX ensure this delay does not result in any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized check that was fraudulently cashed at Huntington Bank without proper identity verification. A check issued to me was mailed to the wrong address. An unknown individual obtained the check and presented it at Huntington Bank, where it was cashed despite the following : The individual was not me and did not provide my identification The signature on the check is not mine and does not match my name No proper verification procedures appear to have been followed I contacted Huntington Bank directly to report the fraud and seek resolution. During that call, I was informed that there was nothing I could do at this time and that I would need to wait and file multiple disputes. This response is concerning, as the bank failed to follow basic protocol when cashing the check, yet is placing the burden on me to resolve the issue. This situation has caused financial harm and significant stress, as I have not received funds that rightfully belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XXXX XXXX my card was used in a transaction for XXXX $ at a merchant called Costco. I did not authorize this transaction. My physical card was not in possession at this time as I have previously lost it. I already had a new debit card issued to come in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a Citi AAdvantage Platinum Select cardholder and have been a customer since XXXX. I am carrying a balance of {$13000.00} at a XXXX XXXX APR. I have never missed a payment and am current on my account. I contacted Citi to request an APR reduction or any available hardship program to help reduce my interest burden. I was told there were no programs I qualify for and was offered no meaningful relief options whatsoever. I am paying approximately {$280.00} per month in pure interest charges on this account money that does not reduce my principal balance in any meaningful way. In XXXX alone I have already paid {$940.00} in interest charges in just XXXX months. At this rate I will pay more in interest than my original balance over the life of this debt. I am a responsible customer who has never missed a payment and I am being charged a predatory XXXX XXXX APR with XXXX recourse or relief options offered.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
I am filing a complaint regarding an ATM transaction dispute that has been improperly handled. On XX/XX/2026, I attempted to withdraw {$480.00} from an ATM located at XXXX XXXX XXXX XXXX, XXXX, SC. The ATM did not dispense cash, but my account was still debited. I filed a dispute with my financial institution ( Current ), which was denied. I then submitted an appeal and provided additional documentation, including a police report. Despite providing this documentation, the bank denied my appeal and refused to credit the funds. The bank has not provided sufficient evidence to demonstrate that cash was actually dispensed, nor have they provided ATM electronic journal logs, balancing records, or any verification beyond their internal conclusion. I am requesting that this matter be reviewed and that the bank be required to provide documentation supporting their decision or issue a refund. This dispute has not been fairly or transparently investigated.

Company response to consumer: Closed with explanation