vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Marlette Funding, LLC
State: AR

Complaint narrative:
On XX/XX/year> I mailed a check to pay off loan check cleared they told me so didn't credit account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Issue : Mortgage Servicing / Estate account documentation and access Company : JPMorgan Chase & Co. ( Chase Mortgage ) Complaint : I am filing a complaint regarding the mishandling of an estate mortgage account for my deceased mother and the failure to retain and recognize required legal documentation. After my mothers passing, I established an estate account with Chase by providing both her death certificate and my Letters XXXX. These documents were required to establish the account and were accepted at that time. I have submitted both documents multiple times, and they were always provided together : -Submitted to JPMorgan Chase XXXX XXXX XXXX Case # XXXX ) XXXX, XXXX -Emailed to XXXX XXXX on XX/XX/XXXX -Provided to Chase on XX/XX/XXXX when the estate account was established -Prior to Chase acquiring the mortgage XXXX XXXX XXXX serviced the loan and had both documents on file. Despite this, I have now been informed by Chase that my Letters XXXX are not on file. This contradicts prior acceptance of the documents and the fact that the estate account was already established based on them. Recent Contacts : -Chase Customer Service transferred to Life Events ; spoke with XXXX XXXX ID # XXXX ) : stated that my Letters XXXX are not on file and instructed me to resubmit them, advising it would take XXXX business days to process. -Supervisor XXXX XXXX Life Events ) : confirmed the documents are not on file and could not locate previously submitted records. I have already submitted these documents multiple times and should not be required to repeatedly provide sensitive legal documentation due to internal recordkeeping or transfer failures. This raises concerns about compliance with federal mortgage servicing requirements related to the accurate maintenance and transfer of borrower and estate documentation. Impact : -Repeated requests for sensitive legal documents. -Delays in managing the estate account. -Inability to efficiently access necessary mortgage information Time-Sensitive Impact : I am scheduled to close on the sale of my mothers home on XX/XX/XXXX. I require access to mortgage account details, including homeowners insurance and property tax payments. Chases failure to recognize my legal authority as executor is unacceptable in light of the fact that they have received my legal documents XXXX times!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On Friday XX/XX/26 my debit card information was stolen and used multiple times to purchase phones from XXXX XXXX in the amounts of {$480.00}, {$1400.00}. On XX/XX/26 another charge of {$1600.00} was attempted. I contacted XXXX XXXX and told them about the fradulent charges and called Wells Fargo to make a claim. Wells Fargo ruled that due to the card was not reported missing or stolen they ruled there was no grounds for fraud. I changed my DD to another account out of fear that i would be charged again and due to this overdraft fees have accrued to an amount of {$310.00}. I have lost all faith in this corrupt untrustworthy bank and refuse to deposit any funds until this secondary investigation is completed. I have never opened any claims for fraud in the 32 years ive banked with WF and disgusted in how this " bank '' treats clients that have deposited XXXX XXXXXXXX year after year. Wells Fargo has a terrible reputation and continues to prove they are not worthy of anyones trust or 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 2026-03-26 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I purchased from passport submission with my apple credit card with XXXX pay on XX/XX/year>. Theyre a scam website that charges XXXX $ to mimic the legitimate pricing of a passport submission. the website did not submit my passport application and they did not provide me additional documents or a formal receipt to my email which they claimed to have done. I had to go in person to the XXXX physical store to pay again for my passport submission and i will provide proof and receipt of that. The XXXX clerk said i got scammed by the website and that i would need to pay the XXXX instead. In addition the real passport website is this https : //travel.state.gov/content/travel/en/passports.html? XXXX & XXXX & XXXX & XXXX the website i paid on is a different scam website with predatory pricing and false claims saying they would email me additional documents and submit my passport. ive tried calling the merchant multiple times and on multiple times of the day but they are unable to be reached. Thus, i disputed the transaction with Goldman Sachs XXXX times now and both of the times they favored the merchant, which makes no sense. XXXX credit card is asking me for Please provide documentation or communication ( XXXX ) from the merchant showing the account should not have been charged, was charged in error, or was willing to resolve but has not issued a refund. Would you be able to provide such documents? This is not possible as the merchant cant even be reached and is unwilling to help me. I have requested documents from goldman sachs on what the merchant said and im still waiting for it. Please help me thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Credit Collection Services XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX To Whom It May Concern, I am writing to formally dispute the validity of the above-referenced account. I do not acknowledge any contractual obligation between myself and your company, nor do I have any agreement with your agency that would require me to pay this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full validation of this debt, including but not limited to : Proof that I have a legal obligation to pay this debt A copy of the original signed agreement or contract Documentation showing your authority to collect on this account A complete payment history and itemization of the alleged balance Until such validation is provided, I request that you cease all collection activities and communication regarding this account. If you are unable to provide proper validation, I request that this account be removed from my credit report and that you notify all credit reporting agencies to which you have reported this account to delete it. Please note that reporting inaccurate or unverified information to credit bureaus may constitute a violation of the Fair Credit Reporting Act ( FCRA ). I expect your response within 30 days of receipt of this letter. Sincerely, XXXX 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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase checking accounts including estate account ( and credit cards ) were restricted without explanation due to an internal error where Chase erroneously designated me as a XXXX XXXX after so many years of having accounts with them. I received a text from Chase on the morning of XX/XX/XXXX stating that they needed more info on my account and that it would be closed on XX/XX/XXXX if I did not comply. However, my account had already been restricted at that time, giving me XXXX opportunity to proactively resolve the issue in time. I later learned that Chase had incorrectly flagged me as a citizen of XXXX, despite having my XXXX XXXX in their records. The following day, Saturday, XX/XX/XXXX at XXXX, I went to a physical Chase branch to present my XXXX XXXX and verify my identity. The branch rep confirmed that my passport and identity information were already in Chases system, visible to the compliance dept., and could not explain why my account had been flagged. ( She also repeated this to them while I was there ). This error caused the restriction and triggered multiple account disruptions. My credit report from XXXX shows that XXXX of my credit card accounts was reported as closed on XX/XX/XXXX, even though I received their text on the XXXX. Chase has since lifted the restriction ; however, I am still faced with several below huge issues as a result of the account restriction : Direct deposits from my employer bounced My IRS refund was returned, which means I now have to wait XXXX months for a paper ck XXXX XXXXXXXX payment bounced, resulting in fees. My investment account firm notified me that my Chase checking account had been removed from my investment accounts, preventing me from making fund transfers and executing pending transactions Chase subsequently lifted the restrictions but I now need to work with the credit reporting agencies to ensure that my accounts are accurately reflected, as the errors continue to appear on my reports. These errors caused significant disruption and stress and could have had serious financial consequences if I had relied on timely payments or access to funds. I am submitting this complaint to ensure accountability and oversight, so that Chase properly addresses the internal errors that led to these disruptions and prevents similar issues for me or other customers in the future. I have attached supporting documentation, including text messages, emails, notices, and screenshots of credit reporting notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Peer Advisors, LLC
State: VA

Complaint narrative:
Re : FHA CASE # XXXX XXXX XXXX XXXX. I am the duly appointed executor of my late mothers estate, who was the borrower on a Home Equity Conversion Mortgage ( HECM ) serviced by XXXX. Following her passing, I began the process of purchasing the property from the estate in compliance with HUD guidelines. During this process, I made repeated, documented attempts to communicate with XXXX to obtain necessary payoff statements, documentation, and procedural guidance required to proceed with closing. Despite multiple emails and follow-ups over a critical period leading up to my scheduled closing date, XXXX failed to respond in a timely or substantive manner. This lack of communication directly interfered with my ability to complete the transaction. As a result, I was forced to forfeit my loan process and was unable to close on the property. This caused financial harm, loss of opportunity, and significant distress during an already difficult time. As the executor, I am legally authorized to act on behalf of the estate, and the servicers failure to engage or respond constitutes a breakdown in required mortgage servicing obligations, particularly in the context of a reverse mortgage following the borrowers death. I am requesting : 1 A formal explanation for the failure to respond to repeated communications 2 Copies of all relevant loan and servicing documents 3 Clarification of internal policies regarding communication with estate representatives 4 Review and remediation of any damages caused by this failure I have retained documentation of all correspondence attempts and am prepared to provide these records as evidence of the servicers lack of response. This matter involves potential noncompliance with federal mortgage servicing standards and HUD guidelines governing reverse mortgages. In addition to the communication failures described above, the servicers lack of response contributed to the loan progressing toward foreclosure. While I was actively attempting to obtain the necessary information to complete the purchase of the property as executor of the estate, XXXX failure to communicate prevented me from meeting required deadlines. As a result, not only was I forced to forfeit my loan process, but the property has now been placed at risk of foreclosure. I remain willing and able to pursue acquisition of the property ; however, I am unable to do so due to the servicers continued lack of communication and failure to provide required documentation. This situation is ongoing and continues to cause harm, as I am being effectively prevented from resolving the loan despite good faith efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. 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 XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I deposited a Department of Treasury tax refund check for {$2400.00} to Bank of America on XX/XX/XXXX and was told the funds would be available next day, per federal regulation CC. A 7 day hold was placed on the funds citing reasonable doubt of collectibility. I went to the bank in person and was told over the phone the reason was the account was less than a year old. The account was opened on XX/XX/XXXX and does not classify as a new account, per CC. I also provided the bank with the Treasury check verification service to alleviate the collectibility concern. I then called customer service for BoA and was told the reason for the hold was that it was the first time I deposited a paper check from that sender ( Department of Treasury ), which is not a reason within CC to hold funds. I was told the hold is impossible to remove by customer service. Therefore, the hold on the funds is not in compliance with federal regulation CC.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Statement for Complaint Today marks exactly XXXX XXXX since the fraud occurred on XX/XX/26. I reported the unauthorized transaction immediately on the same day, which means the Regulation E investigation timeline began on XX/XX/26. Wells Fargo is now far beyond the legally permitted investigation window. The bank can not extend this matter toward XXXX months after the fraud occurred, especially when no provisional credit was ever issued. I have requested provisional credit multiple times, including my most recent written request over a week ago. Wells Fargo has not issued the required provisional credit and has not responded to my latest request. Instead, the bank has repeatedly marked my older complaints from XXXX and XXXX as Need more time, which is not a valid extension under Regulation E and does not reset or extend the investigation timeline. Because Wells Fargo never provided provisional credit, the bank does not qualify for the 45day extension and was required to complete the investigation within 10 business days, with a final determination no later than 60 days. Wells Fargo is now more than 60 days past the maximum allowed timeframe and continues to delay without providing a substantive response.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since the latter part of XXXX of XXXX Ive filed a claim for fraud on my debit card. Showing monthly reoccurring debits from XXXX That I did not authorize at all. Initially I called XXXX to try to rectify the situation but they werent able to locate an account using my email to stop the card charges they gave me a claim number and told me to call my baking institution to file a claim and to use the ref number they gave me to stop payment and be refunded. I did just that but the very first Truist representative that finally started my claim was very short with me and not helpful she also didnt apply all the transactions I told her that should be added to my claim. Which in return caused my claim to be denied. She did cancel my card and I had a new one sent to my home. I got the new card and the same amounts came out again. I called the bank and went through the card cancellation process again and was told this would stop the reoccurring charges. I got that card and now a new as XXXX charge was applied to my account third card since the end of XXXX. Ive spoken with truist a plethora of times and the issue still hasnt been resolved now I am seeking an attorney to settle the situation. Since they cant get it right on their end. I was told my claim was denied after relentlessly requesting a supervisor one night and being hung up on several times by agents and he told me my claim was denied because I didnt add all of the XXXX charges on my claim which I told the initial representation to do. Now I am seeking higher guidance from an attorney.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation