vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/year> : Branch XXXX XXXX XXXX ( Branch Managerand banker XXXX XXXX XXXX ( Banker ) confirmed I qualified for the {$2500.00} Premier bonus offer based on my existing account balance. Both validated the promotional code in my presence. Both confirmed I do not have to bring new money. Please refer the customer summary electronically signed by both. I strictly converted the account, based on the confirmation provided by them. ELSE I WOULD HAVE NEVER CONVERTED THE ACCOUNT TO PREMIER. Later False record created denying XXXX XXXX contact. Conflicting information about " new money '' requirements. Please check you videos and confirm. XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hours I am requesting immediate payment of {$2500.00} promotional bonus. As well as, Compensation for Misconduct : Provide adequate compensation for the physical assault, false imprisonment, unethical physical contact, emotional distress, and civil rights violation XXXX. XXXX XXXX of {$2500.00} Promotional Bonus XXXX. Compensation for XXXX : Provide adequate compensation for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX to security camera footage ( XX/XX/XXXX & XX/XX/year> ) XXXX. Restoration of deleted complaint records XXXX. Correction of false records XXXX. Formal written apologies

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 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone open up an account under my name and it wasnt me

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 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: Dave Operating, LLC
State: NJ

Complaint narrative:
So my in formation was involved in a data breach from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The debt involved is from XXXX and XXXX and has been written off by both companies. This company keeps calling me and I have requested them to no longer contact me. They have now started calling my children whose phone number shows affiliated with mine. This is becoming a harassment and I need help in getting them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I closed on a new mortgage loan with Loan Depot , LLC on XX/XX/XXXX. They sold the loan to XXXX XXXX on XX/XX/XXXX, who then transferred servicing to LoanCare , LLC. I pay all of my mortgage payments before time due and I have a XXXX credit score. In XX/XX/XXXX I started receiving emails from Loan Depot, XXXX months after the transfers occurred. They were requesting information that occurred long after closing, such as income from renting my home in another city ( beginning XX/XX/XXXX ) and they want all of the documentation about that rental. They also want my XXXX tax returns, although they received at closing all of my income related tax return. I provided the first two pages of the lease ( under duress ) and redacted the tenant names. They want all pages without redaction. I would be violating confidentiality laws and that lease happened 4 months after closing and 3 months after loan servicing transfer. I have received several demand letters. They are harrassing me and asking for information that has nothing to do with them. I am not going to send anything else. In the last letter I received from XXXX XXXX XXXX ( attached ) she states " XXXX we conduct compliance reviews after a mortgage closes. This review determined that LoanDepot overlooked required documentation during the loan process. We are requesting your assistance in obtaining the following documentation ''. See attached photo of this email. They admit it was their incompetence, but asking for the rental agreement had not even happened until the loan was transferred and 4 months had passed. They are NOT entitled to any of this because it did not happen before closing! They are harrassing and threatening me. I want them to cease and desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
SUBJECT : URGENT - Fraudulent Solar Loan for Work Never Performed - Borrower : XXXX XXXX - Loan # XXXX This complaint is filed on behalf of XXXX XXXX, the SOLE BORROWER on Mosaic Loan # XXXX for a solar installation at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. IMPORTANT NOTE ON PREVIOUS COMPLAINT : A prior complaint ( # XXXX ) was closed because it was submitted under XXXX XXXX XXXX XXXX, who is NOT listed on the loan. This new complaint is filed with the correct borrower : XXXX XXXX. The previous dismissal was a procedural technicality that does not address the underlying fraud. OFFICIAL MUNICIPAL EVIDENCE OF FRAUD : The Town of XXXX XXXX Department has OFFICIALLY CANCELED Permit # XXXX. XXXX XXXX XXXX XXXX certified the cancellation with the stated reason : " The contractor did not perform any work. '' This government document proves that the solar installation financed by Mosaic was NEVER PERFORMED. Despite this, Mosaic disbursed funds to the contractor based on a fraudulent completion certificate. Solar Servicing LLC ( now the servicer following Mosaic Solar LLC Bankruptcy Case No. XXXX ) continues to collect payments on this fraudulent debt. The company does not respond to emails or phone calls. HOLDER RULE VIOLATION : Under the FTC Holder Rule ( 16 C.F.R. Part 433 ), Solar Servicing LLC as the current holder of this loan is subject to all claims and defenses the borrower has against the seller of the services. Since the contractor provably performed zero work, this debt is invalid and must be cancelled in full. REQUESTED RESOLUTION : 1. Immediate cancellation of XXXX # XXXX and reduction to {$0.00} 2. Removal of all negative credit reporting from all consumer reporting agencies 3. Cease all collection activity on this fraudulent loan 4. Refund of all payments made toward this loan 5. Written confirmation of debt cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: T.S. Holdings
State: TX

Complaint narrative:
Date XXXX XXXX IQ Data International Attn : Debt Validation Department Re : Request for Debt Validation Account : ( as shown on credit report ) To Who m It May Concern, I am writing in response to the collection account you are reporting on my credit file. I dispute the validity of this alleged debt and the balance being reported. Under the Fair Debt Collection Practices Act, I am requesting full validation of this debt. Please provide the following documentation : 1. The name and address of the original creditor. XXXX. A copy of the original lease or contract bearing my signature. XXXX. A complete itemized statement showing how the alleged balance was calculated. XXXX. Documentation showing that your company has the legal right to collect on this debt. XXXX. Copies of any move-out statements, damage charges, or other records used to determine the balance. XXXX. A full payment history and accounting of the amount you claim is owed. Until this debt is properly validated, you must cease collection efforts and ensure that this account is marked as disputed with all credit reporting agencies. If you can not provide the requested documentation, I request that this account be removed from my credit reports immediately. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McKenzie Paul & Associates
State: WA

Complaint narrative:
Subject : Failure to Validate Debt and Improper Credit Reporting XXXX XXXX Servicemember I am an XXXX XXXX member of the XXXX XXXX XXXX submitting this complaint regarding a debt collection account being reported on my credit report. The account is currently being reported by XXXX, XXXX and XXXX for an alleged debt originally owed to XXXX XXXX XXXX in the amount of {$400.00}. I dispute the validity of this debt and have not been provided with sufficient documentation verifying that the debt is legitimate, that the balance being reported is accurate, or that the collection agency has the legal authority to collect or report this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), debt collectors are required to provide proper validation of a debt upon request and must ensure that any information reported to credit bureaus is accurate and verifiable. At this time, I have not received documentation showing : A signed agreement or contract showing that I am responsible for this debt Itemized billing or account statements showing how the balance of {$400.00} was calculated Documentation proving that McKenzie, Paul and Associates has legal ownership or authorization to collect this debt Proof that the debt was properly transferred from the original creditor to the collection agency As an XXXX XXXX servicemember, inaccurate or unverified credit reporting can negatively impact financial stability and potentially affect security clearance eligibility and overall military readiness. I respectfully request that the company either : 1. Provide full validation of the alleged debt including all supporting documentation, or 2. Immediately remove the account from all credit reporting agencies if the debt can not be properly validated. I also request that all collection activity cease until the debt has been properly verified. Thank you for your attention to this matter.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I dispute this account because the documentation provided by the collector contains phone numbers that do not belong to me and that I have never used. The collector has not provided documentation showing that I opened the account, signed a service agreement for the listed lines, or that I am personally responsible for the alleged balance. Additionally, the account is inaccurately reporting Credence Resource Management as the original creditor when the alleged original creditor would be XXXXXXXX XXXX XXXX XXXX. The alleged debt is dated around XX/XX/year>, which is also around the time I separated from my former spouse and was removed from the XXXXXXXX XXXX XXXX account. I am requesting that the company provide proper documentation demonstrating that I am legally responsible for this debt or remove the inaccurate account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KY

Complaint narrative:
I noticed with I n my Dquare.com checking account, several direct deposits were immediately stolen shortly after the deposits were initiated into my checking account. On XX/XX/XXXX, XXXX, and XXXX, I noticed two direct deposits from the Social Secirity Admin were stolen out of my account. Shortly after, I noticed my Square debit card was not synced in my account. Meaning, someone illegally removed my card from my Square account. Such behavior is NOT coincidental, it's very obvious a hacker has stolen my account and is currently illegally using it. I have notifications saying i am receiving messages in my Square account and I have not given permission for any person to gain access within my business account. Please have your IT department read the log in activity, pulling all IP ADDRESSES off my account. The total direct deposits missing from my account are $ XXXX. All four direct deposits are from Social Security Disability Administration, and have been verified per myself. I trusted Square.com to help manage the financial side of my business. Evidently, Square 's Security aspect of their database is not completely safe which allows illegal hackers to hack into their web address or data stealing money from Square account holders. This is unfair and Square is responsible for replacing all monies stolen from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: FL

Complaint narrative:
I have never lived in Texas. This is XXXX percent fraud. I dont know how the leading company would let someone use a fake social in My name. I am trying to get in apartment in Florida where Ive lived the passed XXXX years but I cant because of my rental history. My credit is good. I make great money. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XX/XX/year> my wife passed away after nearly a five-year battle with stage XXXX XXXX XXXX. Two separate creditors are demanding payment on outstanding credit card balances. They are Bank of America, and XXXX XXXX XXXX attorneys who represents XXXXXXXX XXXX XXXX. I provided them my wife 's assets bank statement and told them numerous times my wife left no assets. All her money was used to the funeral costs. They sent a claim to XXXX XXXX and I had previously informed XXXX my wife didn't leave any assets. The address for Bank of America is XXXX XXXX XXXX XXXX TX XXXX, phone number is XXXX. XXXX XXXX XXXX on behalf of XXXXXXXX XXXX XXXX XXXX address is XXXX XXXX XXXX, XXXX, DE XXXX, phone number is XXXX. The case number in XXXX XXXX is XXXX -- XXXX. I am forced to get an attorney to correct discrepancies in the XXXX XXXX XXXX because of their claims. This is costly but I will not use my own funds to pay for my decreased wife 's credit card bill.

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 2026-03-16 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: UPGRADE, INC.
State: FL

Complaint narrative:
I submitted a monthly payment manually for a loan payment. The payment took 4 days to take out and when I checked on the payment, it had taken triple the amount it was supposed to, putting me far into the negative in my checking account. I immediately called and requested a refund. I was told that despite them being able to instantly take the money, it would take up to 7 days to refund my charges. I requested some sort of compensation to help with the bank fees I was going to get due to my negative balance, and was told that I would have to talk to my bank and that they ( upgrade ) couldnt do anything. Today ( XX/XX/year> ) I called to ask about my refund as it still wasnt in my account, and I was told it was actually just released today and that itll take XXXX days to show up in my account. After talking to 2 different people the only reassurance that I got was that they would submit my call as a complaint and I MIGHT hear from higher ups about it despite this being the 3rd time Ive complained to them with no solution being found.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I moved from XXXX to XXXX and requested a title transfer through my XXXX on XX/XX/XXXX. I'm still waiting for the XXXX to receive my title. I have followed up with Santander XXXX about 1x a week a they told be to be patient after the 60 days were up and still not title. I called my XXXX and had to restart the title process at the end of XX/XX/XXXX. I contintued to follow up with Santander was was repeatedly told to be patient and that the title was being transferred. At the end of XX/XX/XXXX still no title. Santander said they never requested my title when I bought the car back in XXXX. I had to restart the title transfer request for the 3rd time and the state of Florida can not provide anymore temporary tags as they believe 4 months is ample time to for the lien holder to provide the title. I was told by Santander that I should receive my title by XXXX XXXX and did not. After that phone call I reached out to my XXXX XXXX clerk and was informed that Santander never sent a title request after 5 months ... At the end of XXXX that said they received the duplicate title from Ohio, but somehow dont have the original. I informed them that the state of XXXX requires the original title or a letter saying that they do not have the title so I can get the car registered. Which they refused to do, they then sent me a paper copy of the duplicate title after repeatedly reminding them that it was not accepted. I reminded my lien holder that my car is currently not registered and I need them to send the title. As of XX/XX/XXXX I was told that they never requested the title from the XXXX phone call and that its going to take XXXX weeks for the XXXX DMV to receive it. Its currently been 175 days and everytime I request to escalate to a supervisor they put me on hold and the hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: VT

Complaint narrative:
I ordered i product from " XXXX '' for {$180.00}, the next day after i ordered the product i found another product that would suit my needs better, so i cancelled that order with mindclay, two days later they emailed me saying " its difficult to cancel the order during this stage are you sure you want to cancel your order '' i emailed back promptly within a couple hours because i was at work, and they never responded, i sent two follow up emails and still nothing. i reported this to my bank " credit karma '' disputed the purchase, initially they reimbursed me and after a month the denied the dispute with no follow up call or email, and i got a letter from them saying they " investigated '' and found that nothing was out of the ordinary. Im extremely upset and i feel like i was robbed. not to mention it seems like the customer service is out sourced to XXXX and nobody even speaks XXXX and can understand my questions, AND their customer service phone line to even get to human being is a terribly-working AI robot that doesn't even understand or listen to what you're saying. anyways i had this same exact experience with XXXX customer service regarding a dispute on a protected purchase from an individual on XXXX. i was forced to spend over XXXX XXXX on a turbo rebuild.

Company response to consumer: Closed with explanation