vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
The vehicle was towed in XX/XX/XXXX. Vehicle was sent to auction prior to the " Notice of Intent to Dispose of the motor Vehicle '' was generated. Fees were paid and vehicle could not be found for XXXX days. Since then, Exeter Finance has charged a fraudulent {$460.00} key fee, despite auction records proving no key was made. Exeter ignored messages and letters disputing the amount for over a year. On XX/XX/XXXX, Exeter marked the account as 'Closed/Written Off ' with this fraudulent balance included. A new collection agency, XXXX XXXX XXXX, which violated my rights by leaving a detailed voice message with an acquaintance ( case number XXXX ). They claimed to own the account and I have served them a formal dispute that was received via certified mail on XX/XX/XXXX. Under the Rosenthal Act, this legally stays all collection for XXXX days. Despite this, Exeter has re-emerged as of the XX/XX/XXXX harassing me with calls to collect the written-off balance. They are willfully ignoring the legal XXXXday dispute window to collect a debt they already officially closed. Furthermore, Exeter Finance failed to provide the legally mandated Notice of Intent to Dispose ( XXXX ) required by California XXXX CXXXXe XXXX prior to the auction. Because they failed to provide this notice and itemize the charges, they have no legal right to collect a deficiency. Despite this, they are inaccurately reporting this fraudulent balance to my credit report. This inaccurate reporting is causing ongoing financial harm and violates the FCRA, as they are reporting a debt that is actively disputed and legally uncollectible under California law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
I purchased a Western Union money order ( XX/XX/XXXXXXXX ) for {$500.00} at XXXX XXXX XX/XX/XXXX2026 as rent payment for my landlord,XX/XX/XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX XXXX. The money order was presented to XXXX XXXX Bank and returned unpaid on XX/XX/XXXX with the reason " Refer to MakeXXXX. '' I have the XXXX XXXX return notice as proof it was never cashed. I contacted Western Union at XXXX on multiple occasions. On XXXX separate occasions, agents told me they would escalate the situation and send me an email with information on how to move forward. I never received either email. The XX/XX/XXXXpromise was made approximately XXXX month ago, theXX/XX/XXXX over a week ago. When I called again most recently, instead of resolving the issue, they simply resent me the original photocopy of the money order the same document that started this dispute. A Western Union agent also incorrectly told me the money order had already been deposited, which is directly contradicted by the XXXX XXXX return notice. I also visited XXXX ( the issuing agent ) and was told they could not help. XXXX XXXX also stated they could not assist. The returned document states it can be used as a legal copy for re-deposit, however the money order is made payable to XXXX XXXX XXXX, not to me as the purchaser. My landlord 's bank has already stated it can not be re-deposited, as confirmed in a written letter from XXXX XXXX XXXX dated XX/XX/XXXX. This leaves me with no option other than a Western Union replacement or refund, which they have refused to provide despite multiple contacts over the course of a month. I am now being asked by my landlord to pay {$500.00} again for rent I already paid. I am requesting Western Union issue a replacement money order or full refund as the original was never cashed and I have exhausted every other avenue available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I am submitting this complaint regarding Western Unions refusal to process a refund on a {$500.00} money order made payable to me, XXXX XXXX. I am in physical possession of the original money order, and it has not been cashed. When I initially submitted a refund request through Western Unions system, the system confirmed that the money order had not been cashed or refunded and allowed me to proceed. However, at the final step, the website froze and did not generate any confirmation. Because there was no confirmation, I reasonably believed the request did not go through and submitted a second request. Western Union is now denying the refund on the basis that a request was already submitted. Both submissions were made by me due solely to a system malfunction on their website. No third party has possession of the money order, and no unauthorized request could have been made. There is no legitimate basis to deny this refund. Western Unions own system error caused the duplicate submission, and they are now using that error to refuse payment. Their records should clearly show that both requests are tied to me and that the money order remains uncashed. This is not an isolated issue. I have experienced this same system failure multiple times, and it has created ongoing problems with accessing funds that are rightfully mine. Additionally, I have encountered difficulty finding institutions willing to cash these money orders, further compounding the harm caused by Western Unions refusal to process valid refunds. Western Union is effectively withholding my funds without justification. I am requesting the following resolution : Immediate processing of the {$500.00} money order refund Written confirmation that the money order has not been cashed and is now refunded Correction of any internal system flags or duplicate request issues associated with my name Western Unions conduct demonstrates a failure to maintain reliable systems and a refusal to correct errors they created, resulting in unjustified denial of consumer funds. I expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I previously filed a complaint ( case number : XXXX ). However, I have not received any response from Bank of America regarding this matter. Could you please assist in requesting that they resend their response or confirm how it was delivered?

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, 2025, I issued check number XXXX to the United States Treasury in the amount of {$45000.00} and subsequently mailed it, along with my payment stub, to the Internal Revenue Service ( IRS ). I entrusted this mail to my mail carrier. Given that the check was cashed, I assumed it had been processed by the IRS, as I had addressed the payment correctly to the Treasury. However, after several months, I began receiving notifications from the IRS indicating that they had not received my payment. This situation was perplexing, as I had mailed the payment and confirmed that the check had been cashed. Consequently, I prepared to contact the IRS and accessed my online banking account to verify the check number. On XXXX XXXX, 2026, I discovered that the check had been intercepted after I entrusted it to my mail carrier and was subsequently endorsed to an individual unknown to me, XXXX XXXX XXXX XXXX XXXX. In light of this alarming revelation, I immediately contacted my bank, Wells Fargo, to report that my account had been compromised. Additionally, I reached out to the credit bureau, as my Social Security number was printed on the check along with my home address. A few weeks later, I received a letter from the bank stating that too much time had elapsed for them to assist me in this matter. This response is utterly unacceptable, as I have maintained this account for over 25 years and have never issued a check of such a substantial amount to an individual. The bank should have prevented this unauthorized transaction and safeguarded my funds against such fraudulent activity. Regrettably, they failed to take action when the check was cashed, and they now refuse to assist me in recovering my funds.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
On XX/XX/year> I filed a Regulation E dispute with Wells Fargo regarding a debit card transaction in the amount of approximately {$6200.00} for a purchase I made on XX/XX/year>. My dispute was based on the fact that my authorization of the transaction was induced by material verbal misrepresentations made at the point of sale, including claims about medical benefits and tax deductibility that were not reflected in any written documentation. It appears that Wells Fargo treated the dispute as a case of buyers remorse or product dissatisfaction and relied solely on proof of authorization, without investigating whether that authorization was obtained through misleading representations. I requested the investigative file for this claim. The only documentation provided was screenshots of the transaction authorization, with no evidence of any investigation into the substance of my claim or any merchant response. Additionally, the claim was repeatedly opened and closed without clear explanation or consistent communication. I am requesting that Wells Fargo conduct a proper investigation of this dispute and provide documentation of that review.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XX/XX/year> my daughter 's father purchased money orders for {$750.00} through XXXXWestern Union for her child support payable to me. On XXXX26 I deposited the money orders into my account at XXXX XXXX. on XXXX26 XXXX XXXX notified me that the money orders were returned unpaid and the funds were withdrawn from my account. Both my daughter 's father, XXXX XXXX and I have called Western Union with no clear solution. They have denied the refunds twice. They have given us the run around as to why there was a stop payment and how to resolve for a refund. We have provided the copies of the money orders, receipts, email received from XXXX XXXX and still there has been no resolution since XXXX/26 when we started calling Western Union. They always transfer us around to different departments, make a ticket for escalation which resolves nothing. We have spoken to several managers and then unable to reach them again. We have been hung up on while speaking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I changed my phone number on my bank account in XXXX. I wasn't able to use XXXX send money from my account because they said they couldn't verify my number. I went to the ATM and the office in person to solve this but they said they just put in a ticket to solve it in the back end. I called XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and all the times I called they said something different. they said the ticket would be solved in XXXX business days but it's been 1 month. I'm unable to pay rent or transfer money but am able to make purchases using the debit card connected to it. My paycheck and auto pay is connected to it so im not able to close the account. but I need to use XXXX and money transfer for daily needs/ paying rent. please solve this urgent issue.

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 2026-03-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> my TD Bank credit card was charged {$50.00} from an entity called XXXX As I did not make this charge and consider the charge to be fraudulent, I contacted TD Bank to " file '' a dispute. TD Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The TD Bank responded to my dispute ( XXXX ) with a simple statement that they were unable to assist me and therefore I would be required to pay the amount in dispute ( XXXX dollars ). After two billing cycles I continued to inform the TD Bank that the charge was never made by me and is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: AZ

Complaint narrative:
SELFINC/LEAD is falsely reporting on my credit. I have never had any accounts with them. Per my research SELFINC/LEAD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I came into the branch located on south westnege in XXXX Michigan, I opened a free checking account and everything was ok. I opened the account originally because I heard that they offered great banking opportunities so I wanted to see what they offered. I requested a debit card from a branch locally on west main and they said they werent able to do so. I received a call about XXXX minutes later sayin my account was closed for good and I was being deemed as a risk. I didnt make any transactions on my account or deposit any funds so Im just confused on whats all goin on with that.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIRSTBANK
State: AZ

Complaint narrative:
I opened my account with the bank under a promotion for which {$300.00} should have been deposited to my account if my account was open and received monthly direct deposits of minimum {$500.00} every month. Since the past 7 months I have been regularly receiving my salary direct deposits into this account and no bonus has been posted yet. I have contacted the bank multiple times to provide an update on this issue and they have not responded yet. It has been over 4 months since this bonus should have been deposited into my account but it has not been deposited yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX I deposited a check via mobile checking with Truist, the check was obtained by an emergency cash out from my XXXX with XXXX. The online system accepted the deposit but later sent an email stating it would not be available until XX/XX/XXXX. We called customer service to explain that we were encountering an emergency and needed {$1000.00} of that money as soon as possible. The representative reviewed the account and stated that it would be available on XXXX XX/XX/XXXX. The deposit did not clear on XXXX so we visited the XXXX branch and was advised it would be available in full on XX/XX/XXXX. The branch manager helped us file a complaint. I received notice around XXXX on XX/XX/XXXX from a Customer Service XXXX who stated they reviewed the call, acknowledged that we were told we would have the first release on XX/XX/XXXX but stated they could not honor that because the representative was giving wrong information and would receive training. She stated we would receive the money on XX/XX/XXXX. I tried to explain that we desperately needed our money and had believed the rep in good faith. I explained that we have now been given THREE release dates and were acting in good faith that the money would be available today. the Representative did not seem to care. I advised her that we would begin moving our financials to another bank with anticipation of closing our account. There was no concern or any other solutions to their incorrect information and the effect it had on my situation.

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
After This collection appeared on my XXXX report, I reached out to Transworld on XX/XX/year> via phone a requested the original documents. I was told I would have them within XXXX business days. I did not receive them. I contacted Transworld Late XX/XX/year> and there was conflicting information, one representative stating I did not have and active account with them, while the second rep I was transferred to mentioned they had just taken over the account, which made no sense because the collection was reported XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation