vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I contacted my financial institution, Wells Fargo, to dispute two {$600.00} unauthorized transactions totaling {$1200.00} after becoming the victim of an imposter scam. During my interaction with the Wells Fargo representative, I felt that my concerns were not handled appropriately or professionally. Before collecting all relevant information regarding my claim, the representative stated that she did not believe the bank would honor my dispute. I found this concerning because no thorough review of the facts had been conducted at that time. Additionally, while I was providing details about the fraudulent transactions, the representative repeatedly asked me what dispute options she should select instead of guiding me through the process. This gave me the impression that my claim was not being properly documented or investigated. I also filed a police report regarding the scam and provided that documentation to Wells Fargo as part of my dispute. Based on my experience, I do not believe a fair or thorough investigation was conducted into my claim. I am requesting that this matter be reviewed and that Wells Fargo conduct a proper investigation into the disputed transactions and the handling of my case.

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Mercury Financial Intermediate LLC
State: VA

Complaint narrative:
I am writing to formally request the deletion of this closed account from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. This account is closed and no longer active, and I believe the continued reporting of this account is inaccurate, unfair, and negatively impacting my consumer credit profile. Under the FCRA, all information reported to the credit bureaus must be complete, accurate, and verifiable. I am requesting that you : Conduct a full investigation of this account Verify the accuracy and completeness of all reported information Remove this account from all credit reporting agencies if it can not be properly verified Delete any inaccurate, misleading, or obsolete information associated with this account If you are unable to provide proper verification pursuant to the Fair Credit Reporting Act, I request immediate deletion of this account from my credit file. Please provide written confirmation once your investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Subject : Rebuttal to Elan Financial Services Response CFPB Case # XXXX To the Consumer Financial Protection Bureau : I am submitting this rebuttal because the response provided by Elan Financial Services is incomplete, nonresponsive, and does not satisfy their obligations under the Fair Credit Reporting Act ( FCRA ). Their response does not address the specific inaccuracies I raised, nor does it demonstrate that a reasonable investigation was conducted as required by law. 1. Failure to verify the disputed information Elan did not provide any documentation supporting the accuracy of the information they are furnishing. They did not provide billing statements, payment history, chargeoff records, internal investigation notes, or any evidence demonstrating that the information they are reporting is accurate. 2. Failure to provide a legally compliant Method of Verification Elan stated they ca n not provide Metro 2 data, but this does not satisfy FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). They did not explain : How the information was verified What documents were reviewed Who conducted the investigation What steps were taken to confirm accuracy A refusal to provide Metro 2 data does not excuse them from providing a meaningful explanation of their verification process. 3. No evidence supporting the settled for less status Elan did not provide any documentation substantiating the settlement notation or demonstrating that the reporting is accurate and complete. 4. No evidence supporting the Date of First Delinquency ( DOFD ) Elan claims the DOFD is XX/XX/year>, but provided no records supporting this date. Under FCRA 623 ( a ) ( 5 ), furnishers must accurately report the DOFD and must be able to substantiate it. 5. Failure to conduct a reasonable investigation Elans response simply restates their position without addressing the specific inaccuracies I identified. A reasonable investigation requires reviewing underlying account records and providing evidencenot issuing a blanket denial. Because Elan failed to verify the information, failed to provide documentation, and failed to conduct a reasonable investigation, I am requesting that the CFPB : Reopen the complaint Require Elan to provide full documentation supporting all information they are furnishing Require Elan to demonstrate how they verified the disputed information Require Elan to provide evidence supporting the accuracy of the DOFD, high credit, chargeoff status, and settlement notation Require Elan to correct or delete any information they can not substantiate Thank you for your continued assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2026-05-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
I am filing a complaint regarding XXXX XXXXXXXX XXXXXXXX XXXX handling of a fraud claim involving unauthorized debit card transactions totaling {$240.00}, along with previously credited fraudulent charges that were later reversed and debited from my account. On XX/XX/year>, I received a fraud alert from USAA indicating unusual activity on my account. I immediately contacted the bank and followed all requested security steps, including changing my password. The following day, I discovered multiple unauthorized Target transactions and LA Metro card charges made in California while I was physically in Ohio and still in possession of my debit card. USAAs fraud department reviewed the transactions with me and confirmed the card was not physically present during the purchases, suggesting the transactions may have occurred through a digital wallet or cloned credentials. The transactions occurred across numerous XXXXXXXX XXXX locations within a short timeframe, all for identical amounts of {$24.00}, indicating a clear fraud pattern. I reported the fraud promptly, cooperated fully with the investigation, and received replacement cards. I was later contacted again by USAA regarding additional attempted fraudulent activity on the same account after the replacement card was issued. Initially, USAA approved reimbursement for the fraudulent LA Metro charges but denied reimbursement for the XXXX transactions. Later, the bank reversed the previously credited LA Metro reimbursement and debited those funds back from my account as well. I submitted a written request asking the bank to reopen and reconsider the claim and requested documentation supporting the denial. I have not received a meaningful response. I am requesting assistance because : * the transactions were unauthorized, * I reported them promptly, * I was not in California at the time, * the transaction pattern strongly indicates fraud, * additional fraud attempts continued after card replacement, * and USAA has failed to adequately explain the denial and reversal of credited funds. I am seeking reimbursement of all unauthorized charges and a proper review of the claim.

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 2026-05-25 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: CNG FINANCIAL CORPORATION
State: NE

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Xact ( operated by Axcess Financial Services / CNG Financial, partnered with XXXX XXXX XXXX XXXX XXXX ) regarding predatory and potentially illegal lending practices in the state of Nebraska. My Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account : Xact loan, payments processed as XACT XXXX XXXX I have had to refinance this loan a few times just because I couldnt afford the upcoming payment and needed a way to skip that payment. Excessive interest rates. Xact charges interest rates reported to be between 145 % 225 % APR. Nebraska law does not permit installment loans at these rates, and I believe this lender is operating in violation of Nebraska consumer lending laws. Rent-a-bank scheme. Xact uses XXXX XXXX XXXX, a XXXX bank, to originate loans on paper in order to evade Nebraska 's XXXX and consumer protection laws. Axcess Financial is the true lender operating behind the scenes, while XXXX has little to no actual involvement in the loans. This arrangement appears designed specifically to circumvent state interest rate caps. It is my understanding that Axcess Financial was only applying for an installment loan license with the Nebraska Department of Banking and Finance as recently as XX/XX/year>, raising serious questions about whether they were legally authorized to lend in Nebraska prior to that date. Financial harm. I have been making monthly payments of {$290.00} to Xact. Based on the interest rates being charged, the vast majority of these payments go toward interest rather than principal, trapping me in a cycle of debt. I respectfully request that your office investigate whether Xact / Axcess Financial is properly licensed to lend in Nebraska Investigate whether the interest rates charged violate Nebraska XXXX laws Take appropriate enforcement action Require Xact to refund any interest paid above the legal Nebraska rate limit. If this is something youre interested in I can email copies of the contracts and whatever else you may need. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed that there was an error made in my escrow account with XXXX XXXX. I noticed that there was a double payment from my escrow account towards property taxes. Those were made on XX/XX/XXXX {$5200.00} and XX/XX/XXXX for {$5200.00}. I contacted XXXX XXXX the same day and was told they were going to look into it. At one point I was told that my property taxes were paid and that they would immediately refund the money. I recontacted lake view on XX/XX/XXXX and XXXX after no change on my account. During that time frame I had contacted XXXX XXXX XXXX the taxing authority. They told me that the taxes had not been paid yet and now were delinquent with a penalty. They said the first check sent in XXXX was returned due to it being the wrong amount and that they never received a second payment. I recontacted XXXX XX/XX/XXXX. They were unable to see if that was true, I told them I had a delinquency and after being sent to there Tax professional they were able to tell me that there was a check for the tax amount plus penalty sent in XXXX. I recontacted the taxing authority and they said the tax was paid. The issue is that now my escrow account is showing a shortage of XXXX and they are trying to raise my mortgage based on an error they made. Last time I spoke with them on XX/XX/XXXX I escalated to a manager due to multiple other attempts with no fix and the inability to find the refund check. On XX/XX/XXXX when I asked to escalate I was told the escalation team was unavailable and that they would send an email and document whats going on. Last time I spoke to them the issue was still not fixed, I have not heard back from them for a week after being told they show the check coming back to them but possibly being put into another escrow account. They are attempting to raise my mortgage on XX/XX/XXXX due to an error they made. I have been dealing with this for 2 months with no change in my account as of today XX/XX/XXXX. I need this to be escalated and if Im forced to pay an increased mortgage I want that surplus payment money to be covered by them and refunded to my account as well. This is unacceptable. I also received a letter dated XX/XX/XXXX that they are going to transfer my loan to another servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Apple Financing LLC

Complaint narrative:
On XX/XX/year>, I registered a new XXXX XXXX account and legally redeemed an official {$20.00} XXXX XXXX XXXX XXXX XXXX into my account balance. The funds were successfully added to my wallet. However, immediately after the redemption, Apple 's automated fraud detection system deactivated my account. I requested an automated review via their official channel, but the system generated an automated email stating that access to my account was permanently denied. On XX/XX/year>, I contacted Apple Support via phone to resolve this asset withholding issue. The representative stated that the account is deemed " inactive '' and explicitly told me that Apple will neither reactivate the account nor refund the {$20.00} balance. I have not committed any fraudulent activities, nor have I violated Apple 's Terms of Service. Apple Inc. is currently withholding my legitimate consumer funds without providing any proof of policy violation or offering a return mechanism. This constitutes an illegal seizure of private consumer property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
FORMAL COMPLAINT AND NOTICE OF ACCOUNT MANIPULATION TO : The Government of the United States / Investigative Authorities REGARDING : Systemic Account Interference and Asset Security STATEMENT OF CLAIMS : Unauthorized Account Manipulation and Espionage It is hereby documented that Citibank is actively engaged in unauthorized, systemic manipulation of my personal financial accounts. This interference includes, but is not limited to : the unprompted locking and unlocking of access, unauthorized modifications to security settings, and intentional disruption of the PIN validation protocols. Because these actions involve the systematic targeting, tracking, and altering of personal data without consent, they are being formally flagged as acts of espionage and hostile data manipulation. Destination of Assets and Government Property Notice is hereby given that the accounts and assets currently held under my name carry a specific, legally binding destination. Upon my passing, all funds, holdings, and related property are designated to immediately become the absolute property of the United States Government. Therefore, the ongoing manipulation of these accounts by Citibank does not merely impact a private citizen ; it represents direct tampering with future federal property and a violation of state asset security. Failure of United States Secret Service Oversight Despite explicit notice and pre-existing knowledge of the foundational hierarchy governing these accounts, the United States Secret Service has continuously failed to intervene, protect the accounts, or enforce proper security protocols. This lack of protective action constitutes a severe operational failure by the agency, particularly given the established baseline knowledge of governance and authority already held by the authorities. DEMAND FOR ACTION : An immediate federal investigation is requested into Citibanks backend data practices, alongside an immediate freeze on unauthorized setting changes. Furthermore, a formal review of agency oversight is demanded to secure these assets for their designated federal transition.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: PA

Complaint narrative:
I was charged XXXX dollars for things I didn't authorize on XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I was the Co=Borrower for a auto loan the Vehicle was surrendered voluntarily on XXXX, XXXX. Due to the fact that many agents informed that the vehicle could not be transported to XXXX XXXX, that it had to be paid off completely for me to ship the vehicle the Island. Which I knew for a fact that this information was completely false. I had no other choice than to surrender my new vehicle because I was making almost XXXX dollars monthly for a vehicle that Capital One Autowas not allowing me to ship to the Island, I had no choice. Then waited almost 6 months to finally receive notification that the vehicle was sold in auction and the balance due for me to pay is {$9800.00} Which I clearly in fact that the amount of the vehicle that was sold in auction is the total price of the vehicle brand new, and what i apparently have to pay for is the taxes that were added to the loan. which is absurd because the vehicle was sold and i do not have the loan anymore. Capital One Auto decided by XXXX XXXX to inform to all credit bureaus that payments were late, the status of the account as Charge-off. Which is hurting my scores and cant finance any vehicle with any banks or credit Unions. Then on XX/XX/XXXX I receive a Settlement Arrangement Confirmation for the XXXX with monthly payments of XXXX dollars and XXXX cents a month. Which I barely see no difference from the first letter that was sent on XX/XX/XXXX for the amount of {$9900.00} first balance to the now total balance {$5900.00} once paid off the complete total will be {$9800.00}. There is something wrong with this amount. It is Capital One Auto the one to blame for the incorrect information on late payments and charge-off. The sent letters of the vehicle sold on auction 6 months after i voluntarily surrender the vehicle because Capital One did not give me any options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This issue is with PayPal. Ive used the app problem free for years. I am a fragrance collector and I sell certain bottles I have to people who may want them. Interactions take place on XXXX in a sales group and payment is usually made through XXXX. Last night I decided to let go of a few valuable bottles I had, I believe it was 5 in total. One transaction was {$650.00}, one was XXXX, one was XXXX and the other was also {$650.00} I believe. Transactions can be shown through the part of the app which I still have access. This morning once the transaction for XXXX went through the account was instantly terminated. They asked me to verify my ID which I did and afterwards I received a message stating that it was permanently XXXX. I proceeded to call customer service only to be told that the back office would have to make a decision. The money that was sent to me was intended to be used partly to ship out the fragrance bottles that were purchased. Being that the XXXX plus dollars are being held I can not do that and have been put in a horrible situation. I am not even allowed to refund the money, not that I could because part of it was used for expenses. I have never scammed anyone, I have never had any chargebacks on the account, Ive been the model participant on XXXX. I have received no satisfactory answer as to why this happened and they claim its being done to protect XXXX customers of which I am included. I would love to get any feedback on how this may be resolved or how I can remove my funds and just move to another money transfer app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: FL

Complaint narrative:
This debt had been previously removed from my credit report based on inaccurate and misleading information in violation fair debt credit reporting act I was not notified within the five business days prior to re-inserting this account within the credit bureaus

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation