vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding a fraudulent withdrawal that occurred at a branch location. An individual was able to impersonate me in person at a Wells Fargo branch and withdraw {$3800.00} from two of my accounts ( Checking and Savings ) via a teller transaction. This was done without my authorization. Based on the circumstances, this appears to be a failure to properly verify identity before allowing a large cash withdrawal. This situation raises concerns about Wells Fargos identity verification procedures for in-person withdrawals. I promptly reported the fraud and filed a police report ( within less than 24 hours ), which classified the incident as a felony. I had to take an entire day off of work and travel to two separate Wells Fargo locations in order to be assisted in-person. Wells Fargo closed my compromised savings account and opened a new one, and I have been working with them through their fraud claims process. However, they were unable to close my Checking account due to the account being originally opened in another state. While I have received reimbursement for the stolen funds, the incident caused significant disruption, including loss of access to my money and time spent resolving the issue. I was NOT given a provisional credit during the investigation and had zero access to the funds. I submitted a request for goodwill compensation due to the apparent failure in internal controls at the branch level. I was told I would receive a response to this goodwill request within 10 business days. I was also told that I would be given a direct contact extension to someone to speak to, that was not received in email. I was never spoken to about my case. Someone responded to a separate request, but it did not address the escalated concern I raised. As of today, the XXXX business day, I have no received a response on the original request.

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 2026-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
In early 2026, I was told by MOHELA/XXXX that I was not limited in the number of appeals I could submit for my School Misconduct Discharge. Based on that information, I prepared a complete appeal package with supporting documentation. On XX/XX/year>, I emailed my full appeal package as instructed. However, I later received a denial letter dated XX/XX/year>, XXXX days before I submitted my documentation. The denial states that I did not provide supporting documentation, even though the decision was issued before my evidence was submitted or reviewed. The denial letter also contradicts the earlier information I received by stating that I now have only one final opportunity to appeal. This inconsistency has created confusion and prevented my case from being reviewed fairly. I am requesting that MOHELA/Navients handling of my appeal be investigated, including the premature denial, contradictory instructions, and failure to review the documentation I submitted on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
This was with Sofi bank. My account was hacked and 3 unauthorized transactions were performed. One was reversed by the bank, the other 2 they said nothing about because it was XXXX transaction for {$500.00} and {$120.00} for which I was not refunded. Their ticket numbers ( Sofi ) are XXXX ( was refunded ) and XXXX ( XXXX ) which was not refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: WA

Complaint narrative:
I did money transfer request on XX/XX/XXXX of {$2100.00} from Abound by the times oXXXX XXXX XXXX on XX/XX/XXXX it says delivered but didnt receive on my moms account I raised concerns with abound on same day till date they say they are working with partner to resolve but no update its more than 45 days And few days no response after 3-5 days later they respond

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I deposited a {$19000.00}. check on XX/XX/XXXX. They cleared it, released the first {$400.00} and I have the email saying that the rest would be deposited the following business day which is today XX/XX/XXXX. I woke up to a hold on the check which has never happened in the five years of being in business with Wells Fargo. I have deposited many checks of this amount and much more and never had a hold. This is a 50 % deposit for a {$38000.00} job that I may now lose due to this hold because it started today and I had no money to buy materials. They told me the check needed to be verified. So The contractor who wrote the check and I went into his bank and attempted to stop payment, so that I could get paid today a different way. We then learned that the money was already withdrawn from his account and the former Wells Fargo employee and current bank manager informed us that they already had the money and it was already confirmed. So I called Wells Fargo and informed them and was basically told too bad. Deal with it there is no chance of receiving funds until hold fall 8 days later on the XXXX of XX/XX/XXXX. Unacceptable. Bad business and shady as usual for Wells Fargo. We will be leaving them though we don't even matter to them any way. I then learned this has happened to a lot of people. With the technology today it's very easy to verify and release funds. This is why Wells Fargo will always be second class banking and the woke mind virus has ruined yet another business.

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 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Product : Personal Loan Issue : Incorrect information on credit report / Improper account servicing / Hardship program mismanagement Company : Upgrade , Inc . Complaint Narrative : I am filing this complaint regarding inaccurate delinquency reporting and improper servicing of my loan account by Upgrade , Inc., despite my enrollment in an approved hardship program for loan ID # XXXX. On or about XX/XX/year>, I was approved for a hardship program through XXXX after experiencing financial hardship. Under the terms of this program, my monthly payment was formally reduced to {$270.00} for a XXXX ( XXXX ) month period. I timely accepted the terms and made the first required installment payment as agreed. At the time of enrollment, I was explicitly advised by Upgrade representatives that : My account would be considered current and in good standing during the hardship period ; and No past due status would be assessed or reported to any consumer reporting agencies while I remained compliant with the program. Despite this, on XX/XX/year>, I was informed that Upgrades system is incorrectly reflecting my account as 36 days past due, allegedly because the hardship program has not been properly applied or updated internally. This is factually incorrect and highly concerning, as : I fully complied with the hardship agreement and made the required payment ; The delinquency status appears to be the result of internal processing errors, not any failure on my part ; and This creates a significant and immediate risk of inaccurate negative credit reporting, which could materially harm my credit standing. Upgrades failure to properly implement the hardship program and accurately reflect my account status constitutes improper loan servicing and potential violations of the Fair Credit Reporting Act ( FCRA ), including the furnishing of inaccurate information and failure to maintain reasonable procedures to ensure accuracy. Resolution Requested : I am requesting the following immediate corrective actions : Immediate correction of my account status to reflect current under the approved hardship program Written confirmation that no delinquency has been or will be reported to any credit reporting agency If any negative reporting has already occurred, immediate deletion and correction with all consumer reporting agencies A formal written explanation of the error and confirmation that appropriate safeguards have been implemented to prevent recurrence Additional Information : This issue is time-sensitive due to the potential for imminent credit reporting harm. I have made good faith efforts to resolve this matter directly with the company, but the issue remains unresolved as of the date of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: FL

Complaint narrative:
I Have called EXPRESS RECOVERY XXXX 3 times asking for proof this is my debt I didn't receive medication and aske for tracking or some form that i received this and that I called and authorized them to send medications, they have not provided this debt is mine nor have they sent proof, when i call I they can say is they are researching this and it has been 4 months and this false amount owed is still on my credit. The company they are trying to collect from has false information about this medication and me receiving it and they can't even provide proof that I requested them to order and ship out because I didn't. they need to remove this false information now off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I am reporting predatory lending practices by CreditNinja ( XXXX XXXX VI, XXXX ). During the online application process, the company focused on " eligibility check '' and disbursed the loan without clearly disclosing the 560.53 % APR or the exorbitant fees beforehand. I received a principal of only {$1100.00}, yet I was charged a " CAB fee '' of $ XXXXwhich is more than the actual amount borrowed. The total repayment amount of {$2700.00} is unconscionable. I believe I was misled by the lack of transparency regarding the interest rates and repayment schedule until after the transaction was processed.

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 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
This account originated from XXXX XXXX XXXX and was charged off and sold to Jefferson Capital Systems. XXXX continues to report a balance on this account, which is inaccurate and misleading. Once a debt is sold or transferred, the original creditor must report a {$0.00} balance. Additionally, Jefferson Capital Systems has failed to provide proper validation of this debt. I have not received documentation proving I am legally obligated to pay, proof of ownership of the debt, the original contract, or a complete accounting of the balance. This results in duplicate and inaccurate reporting of the same debt across my credit file, which is a violation of the Fair Credit Reporting Act. I am requesting that this account be corrected to reflect a {$0.00} balance with XXXX and that any unverified collection account be removed entirely from my credit report if proper validation can not be provided. If this account can not be fully verified, it must be deleted in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: CA

Complaint narrative:
I'm currently fighting fraud, I keep getting a two-factor authentication to access a cash app account that I don't have did not open. I called the company and they said that I need to create an account just so I can close it. They're refusing to close it even after multiple phone calls. I called XX/XX/year> around XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IN

Complaint narrative:
I've had several application/software outages over the past year. Most recently, there was an outage last week ( XX/XX/XXXX ) and again today ( XX/XX/XXXX ). The outage causes users to not be able to access their account information, make charges with debit or credit card, transfer funds, and ability to lock/unlock debit/credit/virtual cards. Ther software only allows you to the ability to chat with customer service. Initially there's an AI assistant which provided false information, telling me that there was no outage and everything is working fine. Then i asked to chat with human agent was was informed that there was an outage and it was being worked out. They can never explain what happened and don't make up for the inconvenience sustained by customer/consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i don't have any dates just need all negative stuff of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo would not let me withdraw money out my checking account {$150.00} then the next day XX/XX/XXXX They allowed XXXX XXXX XXXX to charge my account for XXXX dollars even despite me not owing XXXX XXXX XXXX because I paid my extended rental every XXXX or 4 days and have Screenshots and Bank Statements that I owed them nothing. Then on XX/XX/XXXX I was involved in a non at fault accident while on my way to return the XXXX XXXX Vehicle then in XX/XX/XXXX I was charged another XXXX dollars out of my Wells Fargo Account on a now ESIS/Chubb covered XXXX that was no longer on the rental market and XXXX XXXX XXXX XXXX XXXX Never XXXX XXXX vehicle when I went to the Return Location Downtown XXXX XXXX I was just told to take the same broken driver side vehicle back. These unauthorized charges to the Wells Fargo Account caused me to loose my account as I just received email notice today XX/XX/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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services, regarding an alleged debt that has not been properly validated despite multiple written requests and is now the subject of a pending lawsuit. I sent written requests for debt validation on XX/XX/year>, XX/XX/year>, and a final demand notice on XX/XX/year>. These letters were sent in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In my correspondence, I specifically requested : A complete accounting of the alleged balance The original contract or agreement bearing my signature Documentation showing how the balance was calculated Proof that LVNV Funding LLC has legal authority and ownership of the alleged debt Documentation of their authorization to collect in my state Despite these repeated and timely requests, LVNV Funding LLC and/or Resurgent Capital Services failed to provide sufficient validation of the alleged debt. Instead of providing the requested documentation, the company continued collection activity. I have now discovered that LVNV Funding LLC has filed a lawsuit against me in XXXX XXXX, Georgia regarding this alleged debt. The case is currently pending, and I have not yet been served. It is extremely concerning that the company is pursuing legal action without first providing proper validation after multiple disputes. This raises serious questions as to whether they possess the necessary documentation to support their claim and whether this lawsuit was filed without adequate evidentiary support. Additionally, I disputed this account with the major credit reporting agencies and submitted investigation and reinvestigation requests. The account was reported as verified, despite the fact that LVNV Funding LLC and Resurgent Capital Services failed to provide me with proper validation directly. This raises concerns regarding the accuracy of the information being furnished and whether a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Subject : Dispute of {$21000.00} in Unauthorized Charges & Violation of FCBA/Regulation XXXX I am a victim of identity theft. On or about XX/XX/XXXX, my wallet and mobile device were stolen. I promptly filed a police report with the XXXX, CA Police Department ( # XXXX ) and an FTC Identity Theft Report ( # XXXX ), both of which have been provided to American Express. Between XX/XX/XXXX, and XX/XX/XXXX, unauthorized transactions totaling {$21000.00} were made at luxury retailers across XXXX of my American Express accounts ( ending in XXXX, XXXX, XXXX, XXXX, and XXXX ). The core of my dispute is based on XXXX irrefutable facts that American Express has ignored : - Physical Impossibility : I was traveling internationally during the entire window these fraudulent " in-person '' transactions occurred. I have provided American Express with passport stamps and flight itineraries proving I was not in the United States, making it physically impossible for me to have authorized or participated in these transactions. - Procedural Failure : Under the Fair Credit Billing Act ( FCBA ), creditors must provide documentary evidence upon request if they determine a disputed charge is " correct. '' Despite my written requests, American Express ( specifically via the XXXX XXXX team and representative XXXX XXXX ) has refused to provide any IP logs, geolocation data, or merchant signatures linking me to these charges. Instead, they directed me to their " XXXX XXXX XXXX, '' effectively withholding the evidence required for a fair investigation. American Express has closed all XXXX of my accounts and is holding me liable for {$21000.00} in criminal activity. They have labeled my claim as " not in good faith '' without providing a shred of evidence to support that characterization, despite my full cooperation and provision of government-verified theft reports. I am attaching all the documents : - Police report on stolen wallet and phone, which were used to make fraud transactions- Identity Theft report, stating I did not authorize any of fraudulent transactions - Flight tickets showing I am not physically present in XXXX to make fraud purchases in XXXX - Email from Amex XXXX team and Amex 's CEO denying the fraud claim as well as evidence linking transaction made by me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation
State: MD

Complaint narrative:
Penn credit corporation sent me a notice out that I owe XXXX XXXX XXXX {$2300.00} I never had anything to do with XXXX XXXX XXXX XXXX XXXX XXXX down in XXXX XXXX XXXX 35 years of age and dont even have a home yet and this isnt my bill. Is there anything I can do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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:
I am filing a formal complaint regarding PayPals restriction of my debit card and the ongoing inability to restore normal account functionality, despite repeated attempts to resolve the issue. XXXX placed a system lock on my PayPaXXXX XXXX XXXX, rendering the card unusable. This action was taken even though the compromised product was a separate PayPal XXXX charge card, which was replaced without issue. As a result : My PayPal debit card was rendered unusable Access to my funds was disrupted, requiring multiple contacts over the course of a week to transfer funds back to my bank My debit card has been canceled I am unable to apply for or obtain a replacement debit card I have contacted XXXX multiple times and spoken with agents and supervisors within the debit card department. I have been informed only that the account is system locked and that resolution XXXX take time, with no explanation, defined process, or timeline provided. At this point, PayPal is effectively restricting my access to financial services and debit card functionality without providing a clear cause, resolution path, or timeframe. This ongoing lack of transparency and indefinite limitation on account functionality raises serious concerns regarding XXXX handling of consumer accounts and access to funds. XXXX has only provided generic instructions on how to obtain a debit card, while the system continues to prevent me from applying for XXXX, demonstrating a failure to address the actual issue.

Company response to consumer: Closed with non-monetary relief