vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is a follow-up to a previously closed CFPB complaint XXXX regarding a foreign check deposited into my Wells Fargo account that has not been accounted for. In the prior complaint, Wells Fargo stated that the funds were blocked pursuant to U.S. Department of the Treasury sanctions. However, I have since obtained written confirmation from the Office of Foreign Assets Control ( OFAC ), the agency responsible for such matters, stating that there is no record of any blocked funds related to this transaction. This directly contradicts Wells Fargos explanation. Despite this, Wells Fargo has still failed to provide documentation showing : That the check was processed or sent for foreign collection That the check was returned unpaid That any Treasury or OFAC action actually occurred As the bank accepted the check for deposit, it is responsible for properly processing and accounting for the item. The check remains unaccounted for. I am requesting : Full reimbursement of the check amount Refund of all related fees Written documentation of the banks handling of this item This matter remains unresolved and requires immediate investigation.

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 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am disputing the reporting of late payments associated with the following account : Creditor : Self Financial / Lead Bank Account ending in : XXXX This account was a secured credit-builder loan intended to establish positive payment history. The account reflects that it was ultimately paid and closed, however it includes reported delinquencies ( 30 and 60 days past due ) that appear inconsistent with the structure and purpose of the account and the overall payment performance reflected. Given the nature of this product and its intended use for credit building, I am requesting a thorough review of the reporting of these late payments, including : * The basis used to determine the account was delinquent * The specific payment records and timing used to assign 30/60 day late statuses * Whether all payments were properly credited and applied in accordance with the account terms * Documentation supporting the accuracy and completeness of the reported delinquency history Under the Fair Credit Reporting Act, all reported information must be accurate and reflect the true status of the account. If the late payment reporting can not be fully substantiated as accurate, complete, and properly applied, I am requesting that the delinquency marks be corrected or removed accordingly. Please conduct a reasonable investigation and provide the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a debt collection account that has reappeared on my credit report after the company previously agreed to remove it. In XX/XX/XXXX, I filed a complaint with the CFPB concerning this account, which is over XXXX years old. Following that complaint, I spoke directly with the company, and they agreed to remove the account from my credit report. The account was subsequently deleted. However, as of today, the same account has reappeared on my credit report. Even more concerning, the company is now reporting the account as being opened in XX/XX/XXXX, which is inaccurate and misleading. This appears to be an attempt to re-age the debt in order to keep it on my credit report longer, which is prohibited under federal law. This conduct appears to violate the Fair Credit Reporting Act, including requirements for accurate reporting and restrictions on reinserting previously deleted information without proper notice. This repeated reporting is causing harm to my credit and constitutes unfair and deceptive practices. I am requesting : XXXX. XXXX removal of this account from all credit reporting agencies XXXX. Written confirmation that this account will not be re-reported in the future XXXX. A full explanation for why the account was reinserted after prior removal XXXX. A correction of any inaccurate reporting, including the falsely reported XX/XX/XXXX open date If this issue is not resolved promptly, I will consider filing additional complaints and pursuing further legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Issue : Unexpected fees/ Lack of disclosure I am submitting a complaint regarding recurring monthly maintenance fees charged to my Bank of America Advantage Relationship Banking account. Beginning in XX/XX/year>, I was charged {$25.00} per month in maintenance fees, totaling {$520.00} as of now. These fees were triggered by a change in the accounts balance requirement -- from {$10000.00} across accounts to {$20000.00} held within the same account. I was not provided with clear, timely, or adequate notice of this material change. I did not receive any communication that reasonably explained the new requirement or warned that I would begin incurring monthly fees if I did not meet it. As a result, I incurred ongoing fees over several months without awareness or an opportunity to take corrective action. I have contacted Bank of America multiple times to request a refund of these fees, but the issue has not been resolved satisfactorily. I am requesting a full refund of all improperly assessed maintenance fees ( {$520.00} ), as well as confirmation that proper disclosure practices will be followed. This situation reflects a lack of adequate transparency and has caused avoidable financial harm. Thank you for your review. I can provide the account history and bank statements that show the charges.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request a goodwill adjustment regarding the reporting of late payments on my mortgage account. My loan was placed in an approved XXXX plan, and the property has since been sold with the mortgage paid in full as of XX/XX/year>. Despite this, my credit report is currently reflecting a XXXX and XXXX delinquency during the XXXX period. I understand that the terms of the XXXX agreement may have allowed for continued reporting ; however, I am respectfully requesting a review of my account for a goodwill adjustment based on the following : - The account was in an approved forbearance plan - The loan has been fully satisfied and closed - The reported delinquencies are directly impacting my ability to qualify for a new home loan These late payment marks do not accurately reflect my intent or long-term payment behavior, and they are creating a significant barrier as I work toward securing new housing. I am requesting that Wells Fargo make a goodwill adjustment to remove the reported late payments from my credit history or update the account to reflect a more accurate status during the forbearance period. I would greatly appreciate your consideration and any assistance you can provide. Please let me know if any additional documentation is needed. Thank you for your time and review. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
CFPB COMPLAINT AGAINST SUNRISE CREDIT SERVICES Subject : Unverified XXXX Collection / No Notice / Inaccurate Credit Reporting I am filing this complaint regarding Sunrise Credit Services for reporting a XXXX collection account on my consumer credit reports that I formally dispute. XXXX previously investigated and deleted a prior XXXX collection account reported by XXXX Account XXXX on XX/XX/year>. After that deletion, a substantially similar alleged debt later appeared under Sunrise Credit Services with a changed balance and new reporting. I do not recognize this alleged debt and dispute ownership, accuracy, completeness, and Sunrise Credit Services legal right to collect or report this account. Furthermore, I was never provided proper prior notice of this alleged debt. I received no initial written validation notice, no fair opportunity to dispute the debt before it was reported, and no meaningful chance to challenge the account before damage was caused to my credit standing. This conduct may violate federal consumer protection laws, including but not limited to : 15 U.S.C. 1692g failure to provide required validation notice 15 U.S.C. 1692e false or misleading representations 15 U.S.C. 1692f unfair collection practices 15 U.S.C. 1681s-2 furnishing inaccurate information to consumer reporting agencies

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Between approximately XX/XX/year> and XX/XX/year>, a series of unauthorized XXXX XXXX transactions were withdrawn from my Citizens Bank account. These transactions total {$5100.00} and include multiple transfers in amounts such as {$100.00}, {$120.00}, {$150.00}, {$50.00}, {$60.00}, {$140.00}, {$550.00}, {$500.00}, and others. I did not receive any goods or services, and did not knowingly send money to the individual who received the funds. I was deceived by someone impersonating another person online, and the transfers were made under fraudulent circumstances.This was a longterm impersonation scam in which the individual used a false identity over several months to deceive me into sending money. The transfers were made under fraudulent inducement, not for legitimate goods or services. I reported these transactions to Citizens Bank as soon as I discovered the impersonation scam happening. The bank opened claim XXXX. After completing their investigation, Citizens Bank denied my claim and stated that XXXX XXXX, as the merchant, had completed its portion of the transaction and that I should resolve the issue directly with the individual who received the funds. This is not possible because there is no legitimate merchant involved and no way to contact the individual who committed the fraud. This was not a dispute over merchandise or services it was fraud. Citizens Bank treated this as a merchant dispute instead of an unauthorized electronic funds transfer. I did not benefit from them, and did not knowingly send money to a legitimate business or person. I attempted to resolve the issue with Citizens Bank by explaining that these were fraudulent transfers, not a disagreement with a merchant, but the bank refused to credit my account. It was an act of fraudulent inducement, authorization obtained through deception. I am requesting CFPB assistance because Citizens Bank failed to properly investigate the fraudulent nature of the transactions and incorrectly categorized the claim, leaving me financially harmed. This was a case of catfishing and love scamming that spanned several months, several months of deception and lies from the person impersonating someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Ive filed for identity theft. Included in this identity theft it was a car loan for gmc financial, the address on file is not correct. The company started contacted me in XXXX about the car being behind on payments. I need this removed as soon as possible. It is stopping me from buying my first car and moving into a new apartment from my parents house.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I am writing to dispute the servicing of my mortgage loan and to request information under the real estate settlement procedures act ( RESPA ) I have consistently made my mortgage payments on time and, in many instances, was paid at least one month ahead. Despite this, Newrez, my mortgage company, has misapplied my payments by placing funds into principal-only or otherwise failing to properly apply them to my scheduled monthly payments. As a result of these errors, Newrez has improperly assessed late fees, reported my account as delinquent when it was not, and misrepresented the status of my loan. This consititutes a servicing error. I have attached documentation that shows how Newrez has misapplied my loan payments to going towards principal only payments since 2022.

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 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: FL

Complaint narrative:
XX/XX/XXXX I asked about an unemployment deferment basis at the time during my osyrments I was unemployed. I am requesting an investigation into the reported late payments on this account. These delinquencies occurred during a period of unemployment and financial hardship. I was not properly informed of available deferment or income-driven repayment options that could have prevented these delinquencies. Please verify the accuracy of : * The delinquency dates * The payment status during hardship periods * Whether all applicable relief options were considered/applied If this information can not be fully verified, I request that the negative entries be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any XXXX XXXX XXXX, XXXX XXXX XXXX, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : XXXX. The name and contact information of the furnisher XXXX. The method used to verify the disputed information XXXX. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from a representative of JPMorgan Chase regarding my credit card account. During this call, the representative disclosed account information, including an alleged balance, without properly verifying my identity. The balance stated during the call was not accurate. When I requested validation and substantiation of the alleged debt multiple times, the representative responded dismissively and stated : Whats that? This is a credit card. The representative demonstrated no understanding of my request and refused or was unable to provide any verification, documentation, or explanation of the balance being claimed. What Happened On XX/XX/XXXX at approximately XXXX XXXX, I was contacted by Chase The representative did not verify my identity before discussing the account The representative provided an inaccurate balance I requested validation multiple times The representative did not understand or respond to the validation request No documentation, itemization, or transaction history was provided Why This Is a Problem Disclosure of financial account information without proper identity verification Communication of inaccurate account balance information Failure to provide validation after a direct and repeated request Breakdown in basic servicing, compliance, and training standards Harm Experienced Unauthorized disclosure of account information Inability to verify or dispute an inaccurate balance Risk of inaccurate credit reporting Time and effort spent attempting to obtain basic account information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
My loan is currently under an approved modification plan and the first payment was scheduled to be made on XX/XX/year>, that payment was made on XX/XX/year>. The mortgage company still has an active foreclosure sale date scheduled for XX/XX/year> even though I am under an approved modification. The company refuses to remove the foreclosure sale despite my approved modification and my completed payments.

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 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Byrider Franchising, LLC
State: TN

Complaint narrative:
In XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX that was financed via CNAC. In XX/XX/XXXX XXXX XXXX towed my car from my apartment complex and attempted to place a lien on the car in which I found out was for a debt placed in collections for XXXX apartments. After paying to have the car released from tow, I disputed the debt with XXXX and afterwards on XX/XX/XXXX XXXX Wreckers repossessed my car from my job because I was late with my current payment. I explained previously that I would make the payment the following pay period and bring the account current. Rather than grant the payment arrangement for someone who had never missed a payment, they became very aggressive and rud until the car was repossessed. I cant understand how this is not predatory and vindictive especially when the illegitimate debt for XXXX is affiliated with CNAC. I attempted to dispute the repossession and was notified that its already in dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent credit reporting by XXXXXXXX XXXX This account is being reported inconsistently across the credit bureaus. One bureau reflects that the account was charged off and purchased by another lender, while another shows different and conflicting information regarding the same account. Additionally, the account shows a {$0.00} balance but continues to be reported as a derogatory charge-off, which is misleading and inaccurate. I have previously attempted to resolve this matter, but the inaccurate reporting remains. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting. I am requesting a full investigation into this matter. If XXXXXXXX XXXX can not verify the accuracy and consistency of this account across all credit bureaus, this account must be corrected or removed immediately. Please provide all documentation used to verify this account and its reporting status.

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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime regarding a mishandled dispute and failure to comply with federal consumer protection laws. On XX/XX/XXXX, I reported an unauthorized transaction of {$22.00} on my account. Since that time, Chime has failed to conduct a timely and reasonable investigation. It has now been 20 days, and I have not received a proper resolution, meaningful updates, or appropriate provisional credit. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to promptly investigate disputes and, when necessary, provide provisional credit within required timeframes. Chimes handling of my case appears negligent and not in compliance with these legal obligations. I have made multiple attempts to resolve this issue directly with Chime, including contacting customer support and requesting escalation, but my concerns have not been addressed. I have either received vague responses, delays without justification, or no meaningful progress at all. This situation has caused financial hardship and unnecessary stress due to the lack of access to my funds and the companys failure to act responsibly.

Company response to consumer: Closed with explanation