vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Formal Complaint and Demand for Deletion of Unverified Debt Under FCRA To Whom It May Concern, I am filing a formal complaint against a debt collector and/or furnisher of information for reporting an alleged debt that has not been validated and remains completely unverified. Despite my formal dispute and request for validation, the reporting party has failed to provide any competent evidence that this debt is legitimate, accurate, or legally enforceable. They have not produced a signed contract, a complete payment history, or any documentation proving I have a legal obligation to pay this alleged debt. This conduct is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681s-2, which require that all information reported to consumer reporting agencies be accurate, complete, and verifiable. Reporting a debt without proper validation constitutes the reporting of inaccurate and unverifiable information. Additionally, under 15 U.S.C. 1681i, once a dispute has been filed, the furnisher is required to conduct a reasonable investigation and verify the information. Failure to do so mandates the deletion of the disputed item from my credit file. No such reasonable investigation appears to have taken place, as no proof has been provided. At this point, the continued reporting of this alleged debt is willful noncompliance with federal law. Therefore, I am demanding the following : - Immediate deletion of the unverified and inaccurate account from all credit reporting agencies- A full investigation into the reporting entity for violations of the FCRA - Written confirmation that this matter has been resolved and the account has been removed I expect the CFPB to enforce compliance with federal law and hold the reporting party accountable. If this matter is not resolved promptly, I am prepared to escalate further, including pursuing legal action for willful violations of the FCRA, which may include statutory damages, actual damages, and attorneys fees. This complaint is submitted in good faith and is supported by my prior dispute attempts and the complete lack of validation provided by the reporting entity. I expect timely acknowledgment and resolution of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
Subject : Formal Complaint Against Truist Bank, Account Freeze Without Explanation To Whom It May Concern, I am writing to file a formal complaint against Truist Bank regarding the restriction placed on my bank account without adequate explanation or resolution. On or about XX/XX/year>. Truist Bank froze or restricted access to my account. Since that time, I have been unable to access my funds. I have contacted the bank multiple times seeking clarification and resolution ; however, I have not been provided with a clear reason for this action nor a timeline for restoring access to my account. This situation has caused significant financial hardship, as I rely on access to these funds for essential expenses. Despite my efforts to cooperate and provide any requested information, Truist Bank has failed to communicate transparently or resolve the issue. I respectfully request that your office investigate this matter and assist in : Determining the reason for the account restriction Ensuring that my rights as a consumer are being upheld Facilitating the prompt release of my funds, if no lawful justification exists for continued restriction Please let me know if additional documentation is required. I am prepared to provide account records, correspondence, and any other relevant information. Thank you for your time and attention to this matter. 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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: IL

Complaint narrative:
From XX/XX/XXXX to XX/XX/year>, I was coerced into transferring a total of {$480000.00} into this exchange. This was part of a XXXX XXXX ' scam where criminals impersonating law enforcement forced me to stay on a XXXX XXXX screen share. This company failed in its regulatory duty to monitor for suspicious activity. While other financial institutions ( XXXX Bank ) flagged these erratic, high-value transfers immediately, this exchange allowed the rapid purchase and transfer of assets to external wallets ( XXXX and XXXX ) without secondary verification or a 'cooling off " period for a new user. These failures directly facilitated the loss of my entire life savings worth {$600000.00} while I was under documented criminal duress.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: GA

Complaint narrative:
XXXX XXXX Social security number XXXX I am disputing the current default status reported on my student loan account serviced by MOHELA. I was not properly informed that this loan existed under my name or that I had any repayment obligation associated with it. I also did not receive clear, consistent, or verifiable communication from the school or MOHELA regarding the loan assignment, billing, or required payments. Because I was not aware of the loan being active or transferred to MOHELA, I did not receive any meaningful notice that payments were due or that the account was becoming delinquent. At no point was I intentionally avoiding repayment, as I was not aware of the obligation or the servicing details of this loan. As a result, the account is now reported as being in default. I am requesting a full investigation into the loan origination, servicing transfer, and all communication attempts allegedly made, including dates, methods of contact, and copies of all notices sent. If proper notification procedures were not followed, I request that the default status and any resulting negative reporting be corrected or removed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On dates : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I was charged multiple overdraft fees on my Wells Fargo checking account totaling {$210.00}. This included XXXX separate {$35.00} overdraft fees assessed on the same day. At the time these transactions were processed, my account did not appear to be overdrawn, and I was not properly informed that overdraft coverage had been applied. I did not knowingly authorize these overdraft charges. I contacted Wells Fargo customer service twice to resolve this issue and spent approximately one hour on the phone, including extended hold times. Despite my efforts, I was only offered a partial courtesy refund of {$70.00}, which does not reflect the full amount of the disputed charges. I believe these overdraft fees were applied unfairly and without proper transparency or notification. The way the transactions were processed resulted in multiple fees that I do not believe are valid. I am requesting a full refund of all overdraft fees totaling {$210.00} and a review of how these fees were assessed on my account. This situation has caused unnecessary financial stress and was not resolved through normal customer service channels. The costumer service didn't have the answer to my questions, and was rather dismissed.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My XXXXax preparer, accidentally mixed up two numbers on my account for my tax return to be deposited into my bank account, so now the funds are on hold by my bank ( Navy Federal Credit Union ). They are requesting a Letter of Indemnity from the financial institution ( XXXX XXXX ) that my tax preparer uses. Navy Federal Credit Union is claiming they never received the Letter of Indemnity, while XXXX XXXX is claiming that they sent the Letter of Indemnity and that Navy Federal responded the next day saying the funds can not be returned. XXXX XXXX will not let me request another Letter of Indemnity, nor will they provide me proof that they ever sent a Letter of Indemnity to Navy Federal Credit Union. So now the money is on hold and I can not receive my tax refunds until these two speak with each other and they will not. Correct account # - XXXX Wrong account # - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within 30 days. Thank you for your prompt attention to this matter. These account numbers are not real please look at last 4 of account numbers XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX | ( XXXX ) XXXX Account Number XXXX XXXX XXXXXXXX | Owner : Individual Account Loan/Account Type : Utility Company | Status : Date Opened : XX/XX/XXXX Date of Last Activity : Scheduled Payment Amount : Actual Payment Amount : {$900.00} ACHIEVE PERSONAL LOANS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Number XXXX XXXX XXXXXXXX | Owner : Individual Account Credit Limit : | High Credit : {$15000.00} CAPITAL ONE AUTO FINANCE - Closed Credit Bureau Dispute XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Account Number : XXXX XXXX XXXX Owner : Individual Account Loan/Account Type : Auto | Status : Charge Off Santander Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Companies involved : ( XXXX ) XXXX XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX. ( XXXX XXXX Security Credit Services LLC, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On XX/XX/XXXX I discovered a fraudulent collection account on my credit reports from Security Credit Services, listing XXXX Lease as the original creditor, for {$1800.00}. I never opened this account. I contacted XXXX on XX/XX/XXXX via email. They replied they could not locate an account under my email address because the fraudster used a different email to open the account. On XX/XX/XXXX I called XXXX ( XXXX ). XXXX XXXX initially told me the device was shipped to my home address this was false. Only after I looked up the XXXX tracking number he provided did I discover it was shipped to an address in XXXX XXXX I have no connection to. XXXX XXXX ( case # XXXX ) confirmed the account existed but stated she was unable to cancel or modify it because it had already been passed to collections. She directed me to submit a web form however I had previously submitted that same web form and was told XXXX could not assist because I was not contacting them from the email address the fraudster used to open the account. I sent a formal certified letter to XXXX 's Complaints/Disputes Department XXXX XX/XX/XXXX citing Section XXXX of their own Rental-Purchase Agreement demanding account cancellation and debt recall. As of today I have received no written confirmation and the fraudulent account remains active. XXXX XXXX XXXX Police report also filed on XX/XX/XXXX, case # XXXX, XXXX XXXX XXXX badge # XXXX ( XXXX ). XXXX 's negligent verification process directly enabled this fraud. Reports filed with FTC, FBI XXXX, XXXX XXXX FL XXXX, and XXXX XXXX XXXX Police. Note : XXXX XXXX is licensed as a debt collector by the California XXXX ( License # XXXX ), and may therefore be subject to FDCPA obligations in addition to FCRA obligations. Neither XXXX Lease nor Security Credit Services ever contacted me by mail, email, or phone regarding this alleged debt prior to it appearing on my credit report. This denied me my right to dispute the debt within 30 days as required under 15 U.S.C. 1692g of the FDCPA. My first knowledge of this debt was discovering it on my XXXX credit report on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their improper denial of my claim for unauthorized transactions. I reported transactions that I did not authorize. Wells Fargo denied my claim solely on the basis that the transactions were conducted using a device linked to my phone number. This is not proof of authorization and does not satisfy their obligations under Regulation E. I explicitly informed Wells Fargo that I have multiple devices associated with my phone number and accounts, and not all of these devices were consistently in my possession. Despite this, they failed to investigate the possibility of unauthorized device access or account compromise. Additionally, I was informed that the transactions involved a digital wallet. I do not have my Wells Fargo card loaded into any digital wallet, which raises serious concerns about unauthorized provisioning or account access. Wells Fargo failed to investigate or explain how a digital wallet was allegedly used. I requested critical evidence supporting their determination, including IP logs, device identification, authentication method ( biometric or passcode ), and digital wallet enrollment records. Wells Fargo refused to provide this information, citing it as proprietary. A claim denial without providing verifiable evidence of authorization is insufficient and indicates a failure to conduct a reasonable investigation as required under federal law. Wells Fargo is improperly shifting liability to me without demonstrating that I authorized these transactions. I am requesting that Wells Fargo : Provide all documentation and evidence used in their investigation Identify the specific device ( s ), IP address ( es ), and authentication method ( s ) used Investigate potential unauthorized device or digital wallet access Reverse the denial and reimburse the unauthorized transactions If Wells Fargo can not produce clear and verifiable evidence that I personally authorized these transactions, they must comply with Regulation E and correct this error.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
am filing a complaint against Ally Financial regarding a vehicle repossession. On XX/XX/year>, I sent a written request for documentation, including notice of repossession, right to redeem, and notice of sale as required under UCC Article 9. Ally Financial has failed to respond. I have not received any notice of repossession or sale of the vehicle. This raises serious concerns regarding compliance with UCC 9-611 and 9-614 and whether the sale was conducted in a commercially reasonable manner. Due to this failure, any deficiency balance may be invalid and the account reporting may be inaccurate. I am requesting : 1. Full documentation of the repossession and sale 2. Proof that proper notice was provided 3. Correction or deletion of any inaccurate credit reporting Ally Financials failure to respond to a formal written request is unacceptable and warrants 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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: AZ

Complaint narrative:
What happened : On XX/XX/year>, my Wise account was deactivated due to alleged business activity on a personal account. I later received a complaint response dated XX/XX/year> stating that the deactivation was based on internal review and would not be reversed. The response also stated that I am able to log in and remove my funds until XX/XX/year>. The activity that appears to have triggered this decision involves payments received through XXXX. This platform allows peer to peer transfers between users. The specific payment in question was a personal transfer from an individual who owed me money and chose to send it using this platform. This was not business activity, and the classification appears to be based on how the transaction was labeled or processed rather than its actual nature. I attempted to appeal the decision, but initially experienced issues submitting the appeal. I was later informed that the issue may have been related to using the incorrect email address. I am now submitting clarification using the correct account email and am prepared to provide documentation showing that the transaction was personal in nature. Additionally, in prior communication, I stated that the deactivation had an impact on my business. This statement was misinterpreted. The account itself was not used for business purposes. It has been used for personal banking only. At this point, the account remains deactivated despite the clarification, and I am seeking a fair review of the decision based on the actual nature of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: TX

Complaint narrative:
Source Receivables Management is reporting a collection account on my credit report in the amount of {$290.00}, claiming the original creditor is XXXX XXXX XXXX XXXX This account was assigned to Source Receivables on or about XX/XX/year> with a reported first date of delinquency of XX/XX/year>. I have never received any written notice from Source Receivables Management regarding this alleged debt. I never received the required written validation notice informing me of my right to dispute this debt within 30 days as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is my first formal contact disputing this account. Source Receivables has not provided any of the following documentation required to validate this debt : - Proof that Source Receivables Management is licensed to collect debts in the State of Texas - A copy of the original signed service agreement between myself and XXXX XXXX XXXX XXXX - An itemized statement showing exactly how the {$290.00} balance was calculated including any fees, charges, or penalties added - Proof that the amount being collected is accurate and legally owed by me- Documentation showing the complete chain of assignment from XXXX XXXX XXXX to Source Receivables Management - The exact date of first delinquency with the original creditor - Complete billing records and account history from XXXX XXXX XXXX XXXX XXXX debt is frequently sold to third party collectors who do not retain original service agreements, billing records, or complete account histories from the original carrier. Without this documentation this debt can not be considered validated under the FDCPA or the Fair Credit Reporting Act ( FCRA ). Despite failing to validate this debt Source Receivables Management is currently reporting this unverified collection account to all three major credit bureaus XXXX XXXX, and XXXX which is negatively impacting my credit score and financial opportunities. Under the FCRA 15 U.S.C. 1681, information reported to credit bureaus must be accurate, complete, and verifiable. An unvalidated debt does not meet this standard and should not be reporting on my credit file. I am requesting that the CFPB formally investigate this matter and require Source Receivables Management to either provide complete and accurate debt validation within 30 days or immediately remove this account permanently from all three major credit bureau reports.

Company response to consumer: Closed with explanation