vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: UT

Complaint narrative:
I have already created my complaint the only thing I did not do is give you all my hashtag which is $ XXXX

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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing a complaint regarding a denied fraud claim with Wells Fargo. Prior to the incident, I clicked on a fraudulent link related to a parking ticket that I actually had, attempting to pay it. This link was a scam. After realizing it was fraudulent, I deleted it and blocked the number, remaining vigilant for suspicious activity. Shortly after, I received a text appearing to be from Wells Fargo about suspicious activity on my account, followed immediately by a phone call from a number that appeared to be Wells Fargo when searched online. The caller claimed there were unauthorized charges, including a {$300.00} transaction in Florida and an attempted {$3000.00} withdrawal via XXXX XXXX. They instructed me to transfer {$4000.00} to protect my account and prevent further unauthorized withdrawals. The caller said I was covered through FDIC and that the number I was sending the money to was an established FDIC secure number, which made the instructions appear official and trustworthy. The caller had access to my personal information and knew my account balances, which made the interaction appear legitimate. They created urgency, stayed on the phone, and guided me step-by-step. Believing I was speaking directly with Wells Fargo, I authorized the transfer under false pretenses. I later discovered that this was a scam, not a legitimate bank contact. I immediately reported the incident to Wells Fargo, filed a police report, and submitted a report with the Federal Trade Commission. My fraud claim with Wells Fargo was denied and incorrectly categorized as do not remember this purchase, which does not reflect what occurred. This was a case of bank impersonation fraud, where my consent was obtained through deception. Additionally, the same fraudulent activity targeted my XXXX XXXX a few days later, further showing a pattern of ongoing scam activity.

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: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Response to BMO letter issued in response to my complain. I will go over company response line by line. BMO is saying I declined the offer to pre-approval amount for XX/XX/XXXX, which is wrong and unsupported. See my email correspondence with the mortgage lender senior I previously called out ( attached ), which clearly mentioned I accepted term of the loan. Despite that fact BMO pulled 2nd credit report for me which is negligence and its my right credit inquiry to be removed from my file not just a resolution of dispute. The loan amount offered to me at point was {>= $1,000,000} and I never made a second application mortgage lender XXXX XXXX created 2nd application in XXXX and even for that I asked for {>= $1,000,000} which was below original amount with no circumstances or situation changed my end, why would bank decline loan to me. I request bank here to provide me letter or correspondence where I declined this loan offer, as I have correspondence I agreed to this offer. RE : CFPB Complaint # XXXX Furthermore, I never declined the loan amount, despite XXXX XXXX XXXX called me multiple times and told me ignore underwriter decline letter as he has spoken to managers and my file would be approved this happened on XX/XX/XXXX, and then on XX/XX/XXXX, no response from BMO. On XX/XX/XXXX, BMO XXXX XXXX called my agent and not me that loan is not do able. Happy to produce all call records if needed. Again I request bank here to provide me letter or correspondence where I declined this loan offer. In addition, for appraisal fees the mortgage lender XXXX XXXX, did confirmed to me on call which I made him XX/XX/XXXX before making payment to BMO, that if you guys don't approve this loan would I get that my fees back, he did mention yes I will get my fees back fully. I am happy to share call recorded if needed.

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: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
Subject : Identity Theft Request for Removal of Fraudulent Accounts I am submitting this complaint as a victim of identity theft. I did not open or authorize the accounts listed below, and I am requesting their immediate removal from my credit report. Background & Timeline - In XX/XX/XXXX, I discovered unauthorized accounts on my credit report after reviewing my credit profile. - Upon discovery, I filed an identity theft report with the FTC ( Report # XXXX on XX/XX/XXXX ) and contacted relevant parties. - Prior to discovery, I had no knowledge of these accounts or any activity associated with them. -- - Fraudulent Accounts & Details XXXX. XXXX ( Credit Card ) - Date fraud began : XX/XX/XXXX - Date discovered : XX/XX/XXXX - Fraudulent amount : {$350.00} - Action taken : Reported as identity theft in FTC report XXXX. XXXX XXXX ( Mobile Account ) - Date fraud began : XX/XX/XXXX - Date discovered : XX/XX/XXXX - Fraudulent amount : {$1000.00} - Action taken : Reported as identity theft and disputed XXXX XXXX XXXX XXXX ( Collection / Landline Account ) - Date fraud began : XX/XX/XXXX - Date discovered : XX/XX/XXXX - Fraudulent amount : {$3500.00} - Action taken : Reported and disputed as fraudulent XXXX. XXXX XXXX XXXX XXXX ( Utility/Collection Account ) - Date fraud began : XX/XX/XXXX - Date discovered : XX/XX/XXXX - Fraudulent amount : {$420.00} - Action taken : Reported as identity theft -- - Additional Fraudulent Information - Unauthorized address reported : XXXX XXXX XXXX XXXX - Unauthorized employment listed : Rapid Auto XXXX XXXX XXXX Actions I Have Taken - Filed an official FTC Identity Theft Report ( XX/XX/XXXX ) - Identified and documented all fraudulent accounts - Disputed these accounts as unauthorized - Confirmed these accounts were opened without my knowledge or consent -- - Requested Resolution Under the Fair Credit Reporting Act ( FCRA ) and identity theft protections, I am requesting : XXXX. Immediate removal of all fraudulent accounts and inquiries XXXX. Confirmation that I am not liable for any of the listed balances XXXX. A block placed on these accounts to prevent re-reporting XXXX. Written confirmation once the investigation is complete These accounts are the result of identity theft, and I have provided a valid FTC Identity Theft Report as proof. I expect this matter to be handled promptly in accordance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I was scammed into sending two Bitcoin payments through Cash App totaling {$190.00}. The first payment was {$150.00} for supposed goods or services, and the second payment was {$49.00} for supposed delivery fees after false claims that more money was needed to complete shipment. I later learned this was a scam involving a fake shipping process tied to farelogisticsservice.com, and I want Cash App to investigate both transactions and provide a written response about the fraud report.

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: Solar Mosaic LLC
State: TX

Complaint narrative:
Issue Type : Fraud / Unauthorized Loan / Identity Theft I, XXXX XXXX XXXX, am filing a formal complaint regarding a fraudulent solar loan account associated with my name and property located at XXXX XXXX XXXX, XXXX, TX XXXX. In XX/XX/XXXX, a solar salesperson visited my home solely to provide a quote. My personal information was provided strictly for that purpose. I did not proceed with the project, did not sign any contract, and did not authorize any financing or installation. No solar panels have ever been installed at my property. In late XXXX, I began receiving billing statements from Mosaic Solar Servicing relating to a solar loan. I immediately contacted the company and informed them that no agreement existed and no installation had occurred. At their request, I contacted the installer, XXXX XXXX, who confirmed that no installation took place and provided documentation. This was submitted to Mosaic. Despite this, Mosaic continues to pursue collection. I was later provided with a contract containing a signature that is not mine and was never authorized by me. This matter involves unauthorized use of my personal information and potential identity theft and forgery. I request immediate investigation, cessation of all collection activity, removal of any negative credit reporting, and written confirmation that this fraudulent account has been resolved. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kubota North America Corporation
State: MS

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
here is what i mailed to midland.. i am also attaching their response which for one they did not provide everything requested. two, this account has been re aged as you can see by their response letter, three, they can not verify nor validate this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I financed my XXXX treatment through Healthcare Finance Direct ( HFD ) for total of {$1900.00}. The treatment was not completed, and XXXX confirmed in writing that I should request a refund through HFD. I submitted a refund request on XX/XX/year>, and followed up multiple times via email and phone. My bank has already credited several payments based on documentation. HFD initially claimed they were waiting on XXXX, but new smile confirmed they sent all necessary documentation. HFD now refuses the refund, claiming the treatment was completed, which contradicts the provider 's emails. I am requesting that HFD process the remaining refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am submitting this complaint regarding my mortgage and the property associated with it. After purchasing the home in XX/XX/year>, I discovered serious concerns regarding the condition and legal status of the property. There are ongoing questions as to whether the home met basic habitability and occupancy requirements at the time of sale. Specifically, I have concerns that : * The property may not have had a valid Certificate of Occupancy at the time of purchase * The home may have been unsafe or not legally habitable * The true condition of the property was not properly disclosed during the transaction Since the purchase, I have experienced ongoing issues related to the condition of the home, which have made it difficult to safely occupy and maintain. These issues have directly contributed to financial hardship. In addition, I have experienced identity theft-related issues that interfered with my ability to manage my financial accounts and receive important correspondence. This includes problems with incorrect mailing address information and third-party access to sensitive documents. Despite these serious concerns, I am still being held fully responsible for the mortgage without meaningful review or acknowledgment of the property-related issues. I have attempted to address these concerns and request assistance, but I have not received sufficient information or 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 explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX my vehicle was repossessed by my auto lender. The repossession order showed only {$1100.00} delinquent. I made payments before the repossession was completed that exceeded the delinquency amount. The lender refused to return the vehicle despite my payments covering the full delinquency, telling me it was too late on the Friday after XXXX when the bank was closed and I had no recourse. I received a pre-sale notice suggesting the vehicle would be sold during the first week of XX/XX/XXXX consistent with the auction house 's normal schedule. I actively monitored the auction website throughout that period and never saw my vehicle listed. The vehicle was actually sold on XX/XX/XXXX outside the regular auction window for {$10000.00}. I only received notification of the sale through a letter dated XX/XX/XXXX 32 days after the sale had already occurred. I discovered the sale by noticing proceeds posted to my account. The vehicle 's market value at time of sale was approximately {$20000.00} I have a current offer from a national car buying platform on the exact same VIN confirming this value. The {$9100.00} gap between market value and auction price demonstrates the sale was not conducted in a commercially reasonable manner. Additionally during the repossession the repo agent refused to allow me to retrieve aftermarket accessories I had personally purchased and installed. The repo agent was overheard whispering to a partner about wanting the accessories suggesting possible personal appropriation. I am now being pursued for a {$17000.00} deficiency balance. I attempted good faith settlement offering approximately {$7500.00} the legitimate deficiency based on actual market value versus auction price. The collection agency refused and demanded {$14000.00} or full payment. This collection account has damaged my credit profile and caused loss of federal student loan eligibility forcing me to partially withdraw from my XXXX program.

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 — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
The lender ( XXXX XXXX XXXX issued funds without providing a clear Truth in Lending Act ( TILA ) disclosure or APR before the transaction. The initial marketing only stated eligibility, and I was not informed of the 10 % cash advance fee and high monthly balance fees until after the money was deposited. I am filing a complaint against XXXX XXXX for deceptive marketing and lack of required disclosures. When I applied via their ad, it only stated my eligibility. I was never shown a clear Truth in Lending Act ( TILA ) disclosure, the APR, or the specific fee structure before the funds were deposited. I only discovered the 10 % 'Cash Advance Fee ' and the high monthly 'Statement Balance Fees ' after the money was in my account and I received my first statement. The fees are predatory and were not transparently disclosed during the application process. The lender marketed this loan as a simple line of credit but failed to provide a TILA disclosure or APR before issuing funds. I only discovered the 10 % upfront fee and the massive monthly fees after the money was in my account. This lack of transparency led me into an expensive debt trap that I would not have entered if the costs had been clearly disclosed upfront.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I financed a vehicle through Toyota Financial Services and made payments on the account over several years, including approved payment deferments and extensions. The original maturity date of the loan was extended due to these approved extensions. However, I was never provided with clear or complete disclosures explaining how those extensions would impact the total balance or final payment amount. The only information provided indicated that the final payment may be higher due to additional interest, but no specific amount or calculation was ever disclosed. In or around XX/XX/year>, my vehicle was repossessed but was reinstated shortly after. At the time of reinstatement, I paid the required amount to bring the account current. The reinstatement documentation reflected my regular monthly payment as due. I did not receive a billing statement for XX/XX/year>. In early XX/XX/year>, as the loan maturity date of XX/XX/year> approached, I contacted Toyota Financial Services to make what I believed would be my final payment. During that call, I was informed for the first time that I owed a significantly higher balance ( approximately {$5400.00} at that time ), which had never been previously disclosed. I immediately requested a detailed breakdown of how this amount was calculated, including how the extensions and deferments affected the balance. However, Toyota Financial Services has not provided a clear or complete explanation or supporting documentation. I was also given inconsistent information regarding the availability of extension records, and only partial documentation was provided. Additionally, the credit reporting for this account is inconsistent. The account reflects a repossession followed by reinstatement, yet it is also reported as a charge-off with a balance due. Furthermore, remarks indicating reinstatement were later removed, resulting in incomplete and potentially misleading reporting. The payment history is also incomplete, with multiple months showing as No Data Available, and there are instances where {$0.00} payments are shown while missed payments are still being reported. I disputed this account through the credit bureau, but it was verified as accurate without addressing these inconsistencies or providing supporting documentation. Due to the lack of transparency, inconsistent reporting, and failure to provide documentation supporting the balance, I believe the information being reported is inaccurate and can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
Ive been dealing with XXXX XXXX at National Credit Systems, first contact was on XX/XX/year>, they are trying to collect {$2600.00}, I explained to her that I have made several payments to the Clerk of XXXX XXXX courts in XXXXXXXX XXXX, she stated that I could file a dispute which I did later on XX/XX/year>, I provided the receipts from XXXX & the clerks office in the amount of {$1200.00} to their online dispute page, I called back on on XX/XX/year> and XXXX told me to check back In 2 to 3 weeks, I received a notification on XX/XX/year> that their investigation did not find any payments, I called XX/XX/year> at XXXX spoke to XXXX and asked about the investigation she stated that they did not find any payments and the full amount is owed, I explained that I provided receipts from the clerks office and proceeded that explain that those records are public information and can be found on mycase.gov, I tried to continue and she tried to talk over me, I told her not to interrupt me and let me finish, I told her that since we spoke last that I have received receipts from XXXX XXXX and that those payments had been applied to my account, she continued to try to talk over me stating that those did not matter, I told her that I would continue to make payments through the clerks office and I would reach out to XXXX, she stated that they would continue to report the full amount to the credit bureaus and that would stay on my credit, I told her that not to contact me anymore and I would deal directly through the courts, at no time did she try to listen or help me rectify the situation only seemed to be combative

Company response to consumer: Closed with explanation