vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 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: Affirm Holdings, Inc
State: PA

Complaint narrative:
I was looking into my checking account on XX/XX/year>, XXXX XXXX. I have a Credit Card with Affirm which i gave Affirm, auto pay for my transactions bills. The highest monthly payment is not over {$25.00} But there was a withdraw for the amount of {$170.00} from my account i called Affirms customer service representative and she informed me she doesnt even see that transaction. So, Ive taken my platform of banking off of there platform I was informed by my bank the logo on the withdrawal was internally done and there was not a merchant Analyzing this with the bank. Its internal THEFT!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: U.S. BANCORP
State: DE

Complaint narrative:
Subject : URGENT : Fraudulent Reversal and Failure to Investigate ReliaCard Child Support Funds Complaint Body : I am filing a formal complaint I have already provided a police report, evidence of a third-party account ( XXXX XXXX ), and a year-long paper trail of fraud. U.S. Banks refusal to credit the $ XXXX in stolen child support funds is a willful violation of Regulation E and the banks contract with the State of Delaware . U.S. Bank ( XXXX ) for their failure to resolve a {$2000.00} + fraud dispute and their improper reversal of a {$400.00} provisional credit. These funds are my child support payments issued by the State of Delaware, making this failure particularly damaging. 1. Evidence of Fraud Ignored : I provided evidence that over {$2000.00} in XXXX charges were made using a different name and a different delivery address than the one on my account. This is a clear case of unauthorized use. 2. Improper Reversal : U.S. Bank initially issued a partial credit of {$400.00}, only to reverse it later without providing a valid reason or evidence that the charges were authorized by me. 3. Violation of Regulation E : The bank has failed to conduct a " reasonable investigation '' into the merchant data ( name/address ) which would immediately confirm the fraud. 4. Timeliness : Disputes were reported within the 90-day window for the majority of the funds. Requested Relief : I demand the immediate and permanent restoration of the full {$2000.00}. I also request a written explanation for the reversal of the {$400.00} credit as required by 12 CFR 1005.11 ( d ).

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 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I formally dispute the alleged debt being reported and collected by XXXX XXXX in connection with an alleged account associated with Navy Federal Credit Union. This debt does not belong to me, and I have repeatedly advised all parties involved that I am not responsible for this alleged obligation. Pursuant to the Fair Credit Reporting Act ( FCRA ) and all applicable federal consumer protection laws, I demand a complete reinvestigation and immediate validation of this account, including production of the original signed contract, complete account history, chain of assignment or ownership, and all documentation establishing that I am legally responsible for the alleged debt. If XXXX XXXX and/or the furnisher can not provide competent documentary evidence verifying the accuracy and ownership of this alleged account, I demand the immediate deletion of all related derogatory reporting from my consumer credit files. Continued reporting or collection activity on an unverified or inaccurate debt after formal notice of dispute may constitute negligent or willful noncompliance under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding their refusal to reimburse me for fraudulent transactions totaling {$1400.00} made using my debit card via XXXX XXXX. On XX/XX/year>, I was deceived by an out-of-state scam involving the purchase of a puppy. The scam invoXXXX XXXX XXXX XXXX XXXXnd a shipping companywho were clearly working in coordination. I initially paid the XXXX and, the following day, sent an additional payment to the purported shipping company. Shortly after the second transaction, I realized I had been defrauded. I immediately contacted Wells Fargo and requested that they stop or reverse the payments. Despite my prompt notification, the bank declined to intervene. Wells Fargo denied my claim, stating that : The transactions were authorized The payments were processed through a third-party XXXX XXXX XXXX XXXX The funds were successfully transferred as requested Therefore, no error occurred under Regulation XXXX I strongly dispute this conclusion. While I did technically authorize the transactions, my authorization was obtained through fraudulent misrepresentation. I was intentionally deceived into sending money for goods and services that do not exist. This is a clear case of scam-induced payment, not a legitimate transaction. Wells Fargo failed to : Properly consider the role of fraud and deception in obtaining my authorization Conduct a reasonable investigation into the fraudulent merchants Provide meaningful assistance after I reported the scam promptly Apply consumer protections in a manner consistent with the XXXX and intent of Regulation XXXX The bank incorrectly characterized this as a valid peer-to-peer transaction, when in fact it was a fraudulent commercial scam involving fictitious entities. I am requesting that Wells Fargo : Reopen and conduct a thorough investigation into this fraud claim Reclassify the transactions as unauthorized due to fraudulent inducement Issue a full refund of {$1400.00} Provide documentation of their investigation and how they determined no error occurred Additionally, I have filed ( or will file ) reports with law enforcement and the FBI Internet Crime Complaint Center. I will also consider filing in small claims court. I believe Wells Fargo has not met its obligations to reasonably investigate and protect consumers from fraud, particularly in cases involving scams where authorization was obtained under false pretenses. I request your assistance in ensuring this matter is fairly reviewed and resolved. Sincerely, XXXX XXXX XXXXXXXX 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 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
My vehicle was involved in an accident on XX/XX/XXXX. The vehicle was officially declared a total loss on XX/XX/XXXX. Following the accident, a claim was opened with my insurance company, XXXX. During the claim process, there were delays involving inspection, valuation, and communication between Westlake Financial and XXXX. These delays were not caused by me. On XX/XX/XXXX, a GAP payment was applied to my account. However, the GAP coverage did not pay the full remaining balance, and no clear explanation or breakdown was provided to me regarding why the full balance was not covered. Despite the vehicle being declared a total loss on XX/XX/XXXX, and partial GAP payment being applied on XX/XX/XXXX, Westlake Financial has continued to add monthly payments, late fees, and increase my past-due balance. As of XX/XX/XXXX, my account reflects the following : - Total amount due : {$1700.00} - Past due amount : {$1300.00} - Upcoming payment due on XX/XX/XXXX : {$440.00} - Late fee : {$26.00} I have attempted to address this issue directly with Westlake Financial, but the balance continues to increase while the claim remains unresolved. The delays in resolving this matter were due to processing issues and disputes between the company and the insurance provider, not due to any failure on my part. I am requesting that Westlake Financial : - Immediately freeze my account and stop adding payments, interest, and fees - Remove all late fees and penalties added during the claim delay period - Provide a full explanation and itemized breakdown of the GAP payment, including why the full balance was not covered - Ensure that no negative credit reporting occurs as a result of this situation - Provide a final and accurate payoff amount after applying all insurance and GAP payments I believe this is an unfair billing practice. I should not be financially penalized for delays outside of my control or lack of transparency regarding the GAP coverage. I am requesting correction of my account balance and protection of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
Cedars Business Services ( the collection agency ) sent me a letter dated XX/XX/XXXX indicating that I owed {$160000.00} for a debt that I did not recognize. The creditor they were claiming the debt was from is XXXX XXXX, whom I never hear about. I immediately recognized this was a case of mistaken identity. I checked my credit report with all credit reporting agencies and there was no mention of XXXX XXXX on my credit report. I proceeded to send Cedars Business Services ( XXXX ) a letter dated XX/XX/XXXX informing them that this was not my debt. In the letter, I asked XXXX to send me proof that this was my debt in the form of a signed contract. I sent the letter with Certified Mail with Return Receipt Requested. XXXX then sent me a reply on XXXX XXXX, XXXX with documentation that did not provide any proof this was my debt. They failed to validate the debt under FDCPA standards. In this letter, XXXX indicated that they informed the credit reporting agencies of this debt. I checked my credit report and they reported the debt to credit reporting agencies. I checked my credit report and I saw that there was a comment from XXXX indicating this debt. The fact that XXXX reported this debt to the credit reporting agencies without providing adequate validation is a serious compliance failure on their part. On XX/XX/XXXX, XXXX sent me another debt collection letter for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Incorrect Billing and Improper Collection Activity I am submitting this complaint regarding an account with XXXX XXXX and the collection agency Caine and Weiner that has been improperly handled and inaccurately reported. My auto insurance policy was paid in full through its expiration date of XX/XX/year>. Prior to that date, I contacted XXXX and clearly requested that my policy be cancelled effective on the expiration date of XX/XX/XXXX, XXXX. This request was acknowledged, after I filed the XXXX complaint, and the policy was subsequently correctly cancelled effective XX/XX/year>, as instructed only AFTER they had sent me to collections. Following cancellation, XXXX confirmed that I was owed a refund of approximately {$80.00}, indicating that my account had a credit balance and that no outstanding amount was due. Despite this, I was later notified that an alleged balance had been sent to a third-party collection agency, and they refused to have it removed. This is inaccurate and directly contradicts XXXX prior confirmation that I owed no balance and was instead due a refund. I did receive the refund check. I have made multiple attempts to resolve this matter with both XXXX and the collection agency. The collection agency has failed to respond to my requests for validation of the alleged debt, and XXXX has not taken appropriate action to correct the error, and said they will not remove it from my credit report. This situation may constitute violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, as well as applicable insurance regulations enforced by the Florida Office of Insurance Regulation. How you can put something I did not owe on my credit report is not legal. I am requesting the following actions : Immediate removal of any collection account related to this matter. Issuance of the previously confirmed refund. Correction of any inaccurate reporting to all credit bureaus. I have retained documentation supporting my position, including proof of payment, cancellation confirmation, and communication records, and I am prepared to provide these upon request. If this matter is not resolved promptly, I am prepared to pursue further action through regulatory agencies and legal channels. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: USForex Inc.
State: TX

Complaint narrative:
On XX/XX/year> I did a {$8000.00} transfer using XXXX money transfer services. They promised the money would be sent on XX/XX/XXXX. Its now XX/XX/XXXX and they decided to closed my account and told me to call my bank and have the funds recalled. Since then they ask for bank statements and I provided everything to their compliant team. I called my bank and my bank says they cant do a recall. Only a dispute if the transaction was unauthorized. XXXX wont give me my money back and my money cant do a recall. This is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Company increased my escrow to {$1700.00} per month, which is XXXX per year. They increased it by {$800.00} per month or {$9600.00} for the year. Their analysis and estimate is wrong. It does not include my homestead, which is taking affect in XXXX. It is also not taking into consideration the tax bill that is going to take place, which you would want to if you are estimating, this year, which will eliminate Property taxes in Florida. I have offered to pay the real deficiency out of pocket, which was only {$610.00}. They have decided it upon themselves to increase my payments and didnt ask. They said that, if I dont pay their increased escrow payment then they will report it to the credit bureau XXXX This is like slavery to the lender. They are manipulating the system and using illegal and unfair tatics to collect more money from me. I have tried to work with them. I have requested an escrow waiver. My house is worth most likely XXXX so it would be at the 80 % XXXX and I should qualify for this escrow waiver anyways. They said they cant do it based on what they have. They said they will research the homestead but dont have that now. They want me to pay their estimated deficiency based on their false numbers vs reality. I will pay the actual deficiency and dont think this company should be coming up with numbers. I think there should be a form investigation in their analyis. One could say that, if they are making up fake estimates one way that you could also estimate that the property taxes will go away and not have those either. Also, if you pay taxes in XXXX vs XX/XX/XXXX deadline, then you get a 4 % discount and I am sure that they are not including that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Trust Management LLC
State: TX

Complaint narrative:
I paid Global Trust Management a total of {$980.00} but the agreed upon amount was {$730.00} by three payments. I was charged a extra {$240.00} that was listed on the payment schedule I was emailed from the company. I called them to ask about the extra charge and was informed that it was a past due amount that was not a part of what I was to pay to pay the debt off. I informed the agent that that was misleading and asked about the refund of the extra funds, but I was also informed that I was being recorded and I was not concerned about the recording. I was hurried off the phone and sent a receipt from the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
Hunter Warfield is attempting to collect a rental debt that I do not owe. Despite multiple contacts, they have failed to provide a written validation notice as required by the FDCPA. The original creditor XXXXXXXX XXXX XXXX XXXXXXXX in XXXX, AZ zeroed out my account balance following a lease termination for habitability breaches. I am currently disputing a wrongfully withheld security deposit with the original creditor. I want Hunter Warfield to cease all communication, validate why they are pursuing a {$0.00} balance, and ensure no negative information is reported to credit bureaus. Furthermore, Hunter Warfield is calling my former co-signer and mother, XXXX XXXX. They have been calling her regarding this disputed {$0.00} balance. This third-party contact is causing significant distress to my family and, given that the debt is not valid, constitutes harassment and a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX previously responded to CFPB Case stating they would delete this tradeline from all agencies. Despite this, they have engaged XXXX XXXX XXXX XXXX to continue collection efforts for {$20000.00} ( Ref : XXXX ). I demand an immediate permanent cessation of all collection activity, as XXXX has failed to provide the 'signed contract ' mentioned in their previous response and has already moved to delete the reporting due to inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A " TELLER '' at the Citbank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX let an unauthorized individual make an in-person withdrawal in the amount of {$4500.00} without identity verification. Upon attempting to notify Citibank of their negligence, it has been next to impossible to contact an appropriate person in an appropriate department to find case status, or to get any sort of resolution that was obviously Citibank 's 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 monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: STATEWIDE AUTO SALES
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> STWIDE AUTO Subject : Goodwill Deletion Request To Whom It May Concern, Im writing in regard to my auto loan account. Although the account has been closed for some time, I noticed the negative reporting remains on my credit file. Since that time, I have made significant improvements in managing my financial responsibilities and maintaining better habits. I kindly ask if you would consider removing this account from my credit report as a gesture of goodwill. It would greatly assist me in continuing to rebuild my credit profile. Thank you for your consideration and time. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation