vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding an unresolved vehicle XXXX issue involving Wells Fargo that has now caused significant financial and employment hardship. This issue began during my vehicle registration transfer from Connecticut to XXXX. In XXXX, I visited the XXXX XXXXXXXX and obtained a temporary plate while the registration/title process was being completed. Months later, Wells Fargo claimed that a notice had been mailed to me on XX/XX/XXXX stating that additional documentation was needed because my middle name was allegedly missing from XXXX paperwork. However, I never received this notice. Because I was unaware of any missing documentation or unresolved issue, the problem continued for months without my knowledge. During this time, Wells Fargo did not effectively communicate with me or ensure the matter was resolved despite the serious impact this could have on my ability to legally operate my vehicle. I have repeatedly attempted to resolve this issue through customer service and through the XXXX office escalation process. Despite my efforts : - The issue remains unresolved- I have not received clear guidance regarding what is specifically needed - My XXXX case was closed without resolution or meaningful assistance - My ability to reliably use my vehicle has been affected This situation has directly impacted my employment and finances. I work multiple XXXX jobs and depend on my vehicle to travel to work. Because of this unresolved issue, I have had to rely on rides from my husband and have experienced ongoing stress, hardship, and disruption to my employment responsibilities. I am requesting : XXXX. XXXX review and reopening of the case XXXX. XXXX written explanation of the exact issue and any remaining documentation required XXXX. Assistance resolving the vehicle title/registration matter as quickly as possible XXXX. Investigation into why the issue was allowed to continue for months without effective communication XXXX Review of why the XXXX escalation case was closed despite the matter remaining unresolved I am fully willing to cooperate and submit any required documents immediately. However, I need prompt resolution and accountability due to the ongoing hardship this has caused.

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I have paid the balance owed however the collections agency has not updated the credit report and I received a derogatory mark today. There is no balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I am submitting this complaint against TD Bank / TARGET for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The company continues to report inaccurate, inconsistent, and unverifiable information on my credit reports with XXXX XXXX XXXX XXXX. The tradeline contains conflicting activity dates, inconsistent credit limit information, and incomplete data that creates a misleading impression regarding my credit history and creditworthiness. On or about XX/XX/XXXX, I sent a written dispute directly to the creditor requesting an investigation and validation of the reported information. On or about XX/XX/XXXX, I also submitted disputes to the credit reporting agencies. Despite receiving formal notice of the disputes, the company failed to conduct a reasonable investigation, failed to provide sufficient documentation to verify the account, and continued reporting the information as verified. Additionally, the company failed to delete information that could not be properly verified and continued furnishing inaccurate information, causing harm to my credit score, reduced access to favorable financing, increased financial costs, and emotional distress. I also believe the company breached its contractual obligations and duty to report accurate information in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the alleged debt you are reporting under account number XXXX, originally associated with XXXX XXXX XXXX XXXX. I do not acknowledge liability for this account, and I request that you cease all collection activity until you provide full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S.C. 1692c ( c ), you are hereby notified to cease communication with me regarding this alleged debt except for the specific purposes authorized by federal law, including providing proper validation or notifying me of specific legal remedies being pursued. Furthermore, under 15 U.S.C. 1681b ( a ) ( 3 ) ( A ), I dispute that you have a permissible purpose to continue furnishing, obtaining, or using my consumer report information in connection with this account without verified evidence that I entered into a legally enforceable agreement with your company or the alleged original creditor. You are required to provide competent evidence supporting your claims, including but not limited to : A complete copy of the original signed contract or application bearing my signature. Full payment history and accounting records showing how the balance of {$1300.00} was calculated. Documentation proving XXXX XXXX XXXX has legal standing and authority to collect this debt. A complete chain of assignment or sale from XXXX XXXX XXXX XXXX to your company. Proof that the account information being furnished to the credit bureaus is 100 % accurate and verified. Please note that merely providing account statements, screenshots, or internal records is insufficient validation under federal law. Because this account is currently marked as Account information disputed by consumer, any continued reporting of inaccurate, incomplete, misleading, or unverified information may constitute violations of the Fair Credit Reporting Act ( FCRA ) and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I deposited a check in a total of {$700.00}. Prior to depositing the check I contacted customer service to ask about necessary procedures and steps before depositing the check. After I deposited the check the funds were verified and TD Bank decided to close my account with no reason. I requested a reason for the closure in writing but was denied that too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
Someone used my credit card fraudently and i became responsible for that. The bank of america closed my account.

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 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
I don't think I have received all my escrow payments for the eight the whole years of my mortgage account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing a complaint regarding Bank of Americas failure to return my credit balance refund of {$66.00} in a timely manner. Around XXXX XXXX XXXX, I received a refund check for {$66.00} from Bank of America. However, about two days later, XXXXXXXX XXXX informed me that the deposited item was returned with the message : DEPOSITED ITEM RETURNED Unable To Locate XXXX. After learning this, I immediately contacted Bank of America and informed them of the issue. During that first call, I also provided my XXXX checking account number and routing number so the refund could instead be sent via direct deposit. Since then, I have repeatedly called Bank of America customer service to follow up. As of today, XXXX XXXX XXXX I still have not received the {$66.00} refund. During this process, I have made multiple phone calls, and each time I typically had to wait more than 20 minutes to speak with someone. Every representative gave essentially the same response : Please wait longer. This morning, I called again, and the representative told me that a manager would contact me directly. I then waited another two and a half hours, but nobody called me back. I believe Bank of America has failed to handle this refund issue properly and has caused unnecessary delays, wasted time, and significant frustration. I am requesting that Bank of America promptly issue my {$66.00} refund and provide a clear explanation for the delay and failed check processing.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/scrub>XXXX XXXX XXXX LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Request for Debt Validation & Cease and Desist Account Number : XXXX Account Number : XXXX To Whom It May Concern, I am writing in response to a notice regarding the above-referenced account. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) to request validation of this alleged debt. I do not acknowledge this debt and request that you provide proper documentation to verify its validity. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the debt, including an itemization of any interest, fees, or charges Copies of any agreements or contracts bearing my signature Documentation showing that you are legally authorized to collect this debt Cease and Desist Notice : Pursuant to my rights under the FDCPA, I hereby demand that you cease and desist from all communication with me regarding this alleged debt, except to provide the requested validation or to notify me of specific legal action being taken. This includes, but is not limited to : Phone calls to my home, workplace, or mobile phone Emails, text messages, or any other electronic communication All future correspondence must be in writing and sent to the address listed above. Furthermore, you are instructed not to report this account to any credit reporting agencies until proper validation has been provided. If this account has already been reported, any unverified or inaccurate information must be removed immediately. If you fail to comply with this request, I will document your actions and may file complaints with the appropriate consumer protection agencies. Thank you for your cooperation. Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Credee Corporation
State: FL

Complaint narrative:
I am formally disputing the CREDEE CORPORATION account beginning with XXXX currently reporting on my credit file. I do not recognize this account and dispute any ownership, authorization, or financial responsibility associated with it. I previously requested a lawful investigation and proper validation of this alleged account. However, despite my dispute, the account was simply verified and left reporting without competent evidence being provided to me. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i, you are legally required to conduct a reasonable investigation and ensure maximum possible accuracy of all information being reported. To date, you have failed to provide sufficient documentation proving this account belongs to me. I requested : * Signed application or contract * Original creditor documentation * Complete account history * Proof of authorization * Documentation bearing my signature * Proof of legal ownership or assignment of the alleged debt None of these documents have been produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing an alleged collection account reported by Equifax on my file, XXXX XXXX XXXX # XXXX is the account which I do not recognize, I am sure that this is not my account because I did not give my consent for these kind of account to be reported on my file. I contacted the collection agency asking for the proper validation but they did not provide me any proof on how they validated this account. I did not even received any notification that this account will be reported on my file, this is a direct violation under 15 USC 1681b ( 2 ) because I did not give permission for this account to be included on my file. They also failed to maintain my file 's maximum possible accuracy which leads to another violation under 15 USC 1681e ( b ). I demand the immediate deletion of this account. This account is the reason why my credit score is declining and it is causing me in a lot of stress lately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I purchased the XXXX XXXX XXXX from an AD I saw on social media using Affirm 's buy no pay later installments. Less than XXXX hours after i made the purchase, I decided against going through with the purchase and submitted a cancelation request using the companies online contact form. I received no communication from them and the item proceeded to ship anyway. The item arrived from a XXXX warehouse in XXXX XXXX and so I reached out to the company again, using my personal email this time. I told them that I had received the product and that I wished to return it. After filling out the form, they proceeded to tell me that the item would need to be shipped to their warehouse in XXXX and I would need to pay an 18 % restocking fee in order for me to receive a refund. However, they don't give the refund address in their policy nor do they speak about the restocking fee ( Only an 18 % service fee ), Only the name of the warehouse. So I had no idea that the warehouse was in XXXX. After asking for a XXXX warehouse address, they denied to give me one. Upon trying to use the address they originally gave me, it came up with no matches on XXXX, with XXXX saying it doesn't exist. If you look them up on the XXXX website, it gives a residential address in XXXX With this information, I contacted affirm, hoping the loan would be forgiven due to the return obstruction. Affirm has denied my disputes, stating the company had followed their return/refund policy. Not only have I provided the evidence for return obstruction with my personal experience, but I've also provided them with screenshots for other 's experiences with the same and other issues. Affirm has suggested that I pay the {$100.00} to ship the item to the fake address, only for it to be returned to me after being marked as undeliverable. By the time all of this can be done, it would be past the " 90 day money back guarantee '' window, meaning i would no longer be eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: OH

Complaint narrative:
Received letter yesterday stating that my recent application for a XXXX Credit Card account has been approved. The supposed card was being sent to an address that was definitely not mine and they suggested to call card member services if I wanted to establish restrictions on the card. For me to get any answers about the card I needed to give them the card number on the card they were sending to someone else. I tried to call the ELAN financial Services XXXX at XXXX and at XXXX. I ultimately talked to someone and did give them my birthdate, but would not give them my social security #. Then I was put on hold for over an hour before giving up. So, supposedly the card is still being sent to someone elses house for them to use.

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 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STATE STREET BANK AND TRUST COMPANY
State: CA

Complaint narrative:
STATEMENT OF COMPLAINT : This is a formal non-compliance, database failure, and fiduciary escalation complaint against State Street Bank and Trust Company for an ongoing processing gap and a refusal to investigate a high-value legacy beneficiary asset. As the Power of Attorney for XXXX XXXX, the sole designated residuary beneficiary of the probated will of XXXX XXXX ( Deceased XX/XX/XXXX ; SSN : XXXX ; DOB : XX/XX/XXXX ; last known domicile : XXXX XXXX XXXX XXXX XXXX XXXX ), I am tracking un-administered, high-value custodial retirement assets historically linked to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX annuity rollovers from the XXXX. Front-line representatives at this institution continuously issue an immediate verbal or automated " no record '' response based entirely on a standard, surface-level digital terminal search. Because an official cross-check confirms these funds have not been turned over to the XXXX XXXX XXXX divisions of Mississippi or New York, the assets remain held internally by the custodian financial institution. Due to the XXXX time lapse, these specific commercial private equity, annuity, and real estate ledger records are stored on legacy, offline fiduciary systems or physical microfiche vaults. They are completely disconnected from the banks modern daily customer networks, causing automatic, erroneous database XXXX spots on front-line customer service monitors. By issuing a surface-level digital denial without routing this inquiry to the XXXX XXXX XXXX XXXX ( including historical predecessor corporate trust entities where applicable ), the bank is actively blocking a verified beneficiary. The principal, XXXX XXXX, is present with a modern government-issued ID and SSN card, ready for immediate voice verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: IN

Complaint narrative:
XX/XX/XXXX I deposited XXXX, after 3 days I reached out because when I try to withdraw it back to the same wallet it came from. It said it was a security hold so I emailed them. I got a generic message stating I need to take a picture of my ID with me holding it in a note with the date and case number that they gave me Ive done that XXXX times with no response Ive waited still reaching out still no response and its my sons birthday today. Ive been patient over 30 days doing everything falling by their rules to get my assets to be able to be withdrawn and nothing so please help me get this resolved. This immediately this is caused financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am sole proprietor operating a clothing business with suppliers in XXXX. I have been conducting business with the same vendor for about XXXX years sending money to the same company and account. I initiated a wire on XXXX of XXXX for $ XXXX USD and the money was never sent. When I inquired with my local branch why the money had not been sent all they told me as that my wire was " on hold for compliance reasons ''. They said they could not do anything. And there was no one to call in that department and they didn't even have a phone number. This is crippling my business. I am happy to provide further information and available to answer any question but it's XXXX week later and no one has even attempted to contact me.

Company response to consumer: Closed with non-monetary relief