vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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:
I am submitting this complaint against Wells Fargo Bank , N.A . regarding their refusal or failure to provide requested account-related information ( node information, including transaction tracing, account linkage data, and related records ) to a law enforcement detective actively investigating a financial crime involving my account. Summary of the Issue : I am the victim of financial fraud. A law enforcement detective has been assigned to my case and formally requested relevant account information from Wells Fargo necessary to advance the investigation. Despite this, Wells Fargo has failed to cooperate in a timely and reasonable manner by not providing the requested information or by significantly delaying their response. This lack of cooperation is materially hindering the investigation and potentially allowing ongoing harm, including the loss of funds and the inability to identify responsible parties. Key Concerns : Wells Fargo has not provided critical node information to law inforcement The delay or refusal is obstructing a legitimate criminal investigation. I have made multiple attempts to resolve this directly with the bank, without success. The bank has not provided clear justification for withholding this information. Applicable Laws and Regulatory Concerns : Wells Fargos actions may violate or conflict with several federal obligations, including : Right to Financial Privacy Act ( RFPA ) ( 12 U.S.C. 3401 et seq. ) While this law governs how financial institutions disclose records to federal authorities, it also establishes structured procedures for cooperation. Failure to respond appropriately to valid law enforcement requests may constitute noncompliance. Bank Secrecy Act ( BSA ) ( 31 U.S.C. 5311 et seq. ) Financial institutions are required to assist in detecting and preventing financial crimes. Lack of cooperation with law enforcement investigations may undermine these obligations. USA PATRIOT Act ( Sections 314 ( a ) and 314 ( b ) ) These provisions encourage information sharing between financial institutions and law enforcement to combat fraud and financial crimes. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Dodd-Frank Act ( 12 U.S.C. 5531 ) Wells Fargos failure to act in good faith to assist in resolving fraud impacting a consumer may constitute an unfair practice. Regulation E ( 12 CFR Part 1005 ) Requires financial institutions to investigate unauthorized electronic fund transfers promptly and in good faith. Failure to support a related investigation may indicate inadequate compliance. Supporting Information : please see attached documentation of last complaint which was not resolved. Thank you for your attention to this serious matter.

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 2026-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
I switched from XXXX to XXXX and then back to XXXX. I've been with XXXX for all of 2026. I tried to send a wire transfer 3 times over the past 10 days. I receive a confirmation text at my phone number from CIT for account access, but I can not receive the confirmation text for the wire transfer. Sometimes when you switch from XXXX to XXXX and then go back to XXXX, your name can appear as blank, so my name apparently could not be appearing on my phone number. However, I've contacted XXXX over a week ago, and they assured me that they have made the correction and it would have fixed itself XXXX days ago. Yet when I try to send the wire transfer, CIT Bank will not allow me to send one, giving me the same error that my number can't be used for wire verification. I've offered to send them a copy of my phone bill which shows my name, but the resolution offered by customer service was tough luck, too bad. I need to be able to send wire transfers from my account. I've done everything I can on my side to verify that my name appears correctly and to demonstrate clear ownership of the phone number. I've read that it could be a verification issue with a third-party provider such as XXXX, XXXX, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
The borrower passed away on XXXX XXXX, 2024. At the time of death, the vehicle was solely owned by the borrower and became an asset of the probate estate. The vehicle was financed through Toyota Financial Services. Following the borrowers death, efforts were made to communicate with the company regarding the account ; however, the company refused to provide any information without formal Letters of Administration. Due to the probate process, there was a delay in obtaining those letters. During this period, the company repossessed the vehicle without communicating with the estate or its representative and subsequently sold the vehicle. No notice of repossession or sale was provided to the estate. After the repossession and sale, the company failed to provide a full accounting, including the sale price, application of proceeds, or any remaining balance or surplus. Additionally, personal property belonging to the estate was inside the vehicle at the time of repossession. The company has not returned these items or provided any information regarding their disposition. The estate representative is now seeking full documentation of the repossession and sale, recovery of any proceeds or value owed to the estate, and compensation for the personal property that was not returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding unauthorized credit inquiries and inaccurate reporting on my consumer credit files. I am a victim of identity theft and unauthorized access to my credit report. I previously filed a report with the Federal Trade Commission documenting this identity theft. My FTC Report Number is XXXX. After reviewing my credit reports, I discovered multiple hard inquiries and account-related entries that I did not authorize, request, or initiate. These inquiries are associated with various financial institutions, lenders, and auto-related companies. For security purposes, I am referencing any affected accounts using partial identifiers only ( for example : account ending in XXXX XXXX XXXX XXXX XXXX XXXX. These unauthorized inquiries appear across Experian, TransUnion, and Equifax. Many of them are reported inconsistently, with some appearing on only one credit bureau and not others. This inconsistency raises serious concerns about accuracy and compliance with federal law. I have disputed these inquiries with the credit reporting agencies and requested verification, including documentation showing a permissible purpose. However, the credit bureaus have failed to provide any such documentation or proof of my authorization. They have also failed to provide a proper method of verification as required by law. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, a consumer reporting agency may only furnish a credit report if there is a permissible purpose. I did not authorize these inquiries, nor did I initiate any transaction that would justify access to my credit file. Additionally, under 15 U.S.C. 1681i, the credit reporting agencies are required to conduct a reasonable investigation of disputed information. Their failure to properly investigate and remove these unauthorized inquiries is a violation of federal law. Due to these violations, I believe my personal information has been compromised and used without my consent. These unauthorized inquiries have negatively impacted my credit profile and caused harm. LIST OF UNAUTHORIZED INQUIRIES/ ACCOUNTS The following inquiries and/or accounts were accessed or reported without my authorization. These entries do not relate to any transaction initiated by me : Experian : XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion : XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am submitting a complaint against Exeter Finance regarding the ongoing inability to access my online account. I have been unable to log in for months, despite repeated attempts and repeated contact with customer service. I previously used the online portal to make payments and monitor my account. Because Exeter has not resolved this issue, I am now forced to make payments by phone. This situation prevents me from independently verifying how my payments are being applied, reviewing updated account information, checking account status, and managing my loan online. I continue making payments on time because I do not want negative credit reporting or other adverse consequences, but I should not be forced to make payments without access to my account records. In addition, being forced to make payments by phone subjects me to Exeters service transaction fee just to make my loan payments. I should not have to pay extra fees because Exeter has failed to maintain working online account access. Those added costs are unfair and are a direct result of Exeters unresolved system issue, not any failure on my part. I followed the troubleshooting instructions provided by Exeter, including clearing browser history, cookies, and cache, closing and reopening the browser, restarting my laptop, and attempting password resets through Exeters emails. None of these steps resolved the issue. On my most recent call, a representative incorrectly stated that my email address was not associated with my account. I disputed that statement because I received a payment confirmation email to that same address for a phone payment made on XXXX/26. The representative then stated that the technical team is aware of the issue and is working on it. This directly conflicts with Exeters XXXX/26 email response, which suggested only routine browser troubleshooting and did not clearly acknowledge a known system problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I am filing a complaint regarding a dispute involving my PayPal Credit account through Synchrony Bank. I authorized a purchase totaling {$990.00} based on services that were promised by the merchant. However, those services were never delivered. After entering into this agreement, I became concerned about the documentation associated with the transaction, including the signature attributed to me. I do not recall completing or signing any formal agreement in the manner presented and would like verification of how my authorization was obtained. Although the charge was not finalized, this does not resolve the underlying issue that an agreement may have been created or processed without proper verification, and that services tied to this agreement were never rendered. I am requesting : A copy of the signed agreement and all related documentation Verification details including IP address, timestamps, and method of authorization Clarification on how my identity and consent were validated Confirmation that no agreement tied to my name is enforceable This situation has caused concern regarding both the merchants business practices and the safeguards in place to prevent unauthorized or improperly verified agreements.

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 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MN

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On these dates listed I contacted Edfinancial Services through the chat platform. On each occasion I was requesting to be switched from the XXXX payment plan, that was discontinued, to the fixed extended repayment plan. Each time I was told the request was submitted and should be reflected XXXX business days from the day of conversation. I still have not seen this change reflected in my account. I want to be switched into this plan in order to qualify for autopayment 0.25 % interest deduction and to automate my payments. Since the SAVE repayment plan has been in forebearance, I have not been able to qualify for the interest deduction as well as not been able to automate payments. I have lost out on a few XXXX dollars in interest over the last year since I have been unable to qualify for the interest deduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation
State: WI

Complaint narrative:
I attempted to get an approval loan for a trip with XXXX, they declined me but said they could connect me with other lenders. Myquickwallet contacted me saying I was preapproved for {$1000.00}. I submitted my information and was told I needed to call them to confirm the loan. I called them and did the loan process. It came down to the bank info where I submitted my banking password and email to them because they stated they were having trouble connecting my bank account to their services that verify banks. I stupidly gave them my username and password for the bank. Even after this they said I was approved and the funds would be in my account later this evening or tomorrow morning. Around XXXXpm I got an email stating I was declined which really disappointed me as I was relying on and looking forward to this money so I did some research on the company and apparently this is something they have done with mostly everyone. They even gave their banking information and everything too and many had to contact their banks to get new credentials and change their password. This is NOT okay. I am extremely upset.

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 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
This debt collection company with XXXX XXXX is trying to say I owe them money and had now since put the debt collection on my credit report. This is not my debt. I do not live in that house nor have I since 2019. Better yet I have had my own XXXX account at my new address since 2022 so how could I have it at both addresses. This is fraud. I called XXXX and they said it is in a XXXX XXXX name but for some reason it is connected to my social security number. I did not authorize this person to use my social security number or contiue to use XXXX under my social security number. This is not my debt and I want it removed. I did not authorize for this person to use my social security number. This is fraud. This collection company did not do their due diligence to confirm who this debt belongs to. This is illegal and I will be taking them to court for fraud if it is not removed. I called cox and they were able to tell me that my name is not on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
My husband is in the Reserves. He has been called to XXXX XXXX and as a result we supplied Schools First FCU with my husbands XXXX XXXX orders which shows me listed as his spouse on the orders. Schools First FCU has denied our request for XXXX benefits stating that the loan was taken out before my husband and I were married and we don't qualify. First and foremost, no other bank we have worked with has denied XXXX nor looked at our marriage date as a deciding factor in us qualifying for XXXX benefits. Secondly, under Texas Common Law, my husband and I were technically considered married as of XXXX 2023, prior to our loan with Schools First FCU being taken out. The marriage certificate that Schools First used was the documentation supplied to them to substantiate my legal name change and was our formal civil marriage so that I could go through the process of changing my name. However, we were considered married under Texas Common Law long before our civil marriage in Hawaii. The loan was taken out when we were residents of Texas and after we were considered married under Texas law. Schools First FCU has unlawfully denied me and my husband XXXX benefits despite us providing them XXXX XXXX orders.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I reached out to Capital One to ask about why my virtual card kept declining a payment and if that was the case why wasnt a new card sent to me. I was advised that there was a card sent to me on XX/XX/XXXX and it was returned right back to Capital One. Then it was resent again in XXXX and it was returned again to Capital One. I asked why there was a return. They told me that yesterday XX/XX/XXXX there was an address change on my account. I freaked out and Ive mentioned that I never changed my address and how was that change done, representative went ahead and told me that she can not provide any more information. I asked to speak with a supervisor because at this point, I was freaking out that someone would have access to my account. the supervisor then told me that she can not provide any information for my security I said if there was enough security on this account, I wouldve never had an address change yesterday by someone else thats if it was done by someone else because you cant tell me how it happened and you can not tell me what that address was changed to. She refused to further help me. I said I can identify myself by any way you want. All I need to know is the details of what you just told me she said youre the one whos gon na have to provide the information for the address, not me then I sort of recording our call because I told her that I will file a complaint. She said you cant record it because once you record the call, I will go ahead and hang up. Then she ended up hanging up on my face. Her name was XXXX. She is a supervisor in customer service for capital one credit card. The call was made at XXXX pm Est on XX/XX/XXXX. I still dont have the details of how an address was changed or when. I called back and fixed my address to the correct one but I still dont know what the changes were if any. I shouldnt be terrified like I am now thinking that someone has control over my account specially if the cards that were sent were returned back to the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my merchant services relationship and moved {$2300.00} into a reserve after a business transaction on XX/XX/scrub>XXXX2025. I repeatedly asked for the written closure notice, the written basis for the closure, the reserve agreement, and the documents supporting its decision, but the company did not provide clear, verifiable written proof. The company later stated that there was no additional written notice specifically made to exit the merchant services relationship. It also confirmed that the {$2300.00} was first released and then immediately moved into a reserve account on XXXX2025. My main complaint is that Bank of America has changed its position over time. I was previously told the reserve would be reviewed within about six months, but after many months of delay the company changed that timeline to about one year. This change was made without providing a clear written basis. I believe this is unfair and inconsistent. A bank should not close an account, hold funds, change review timelines, and refuse to provide clear written supporting documents when requested.

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