vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Subject : Urgent Dispute of Incorrect Delinquency & Request for Immediate Correction To Whom It May Concern, My name is XXXX XXXX, and I am writing to request immediate correction of an incorrect and unfair delinquency on my credit report caused by an unauthorized conversion of my XXXX account to a Wells Fargo credit card. I utilize the XXXX app to pay my rent for my apartment every month. XXXX used to be affiliated with Wells Fargo, but this relationship ceased in XXXX of XXXX. With the end of this partnership, XXXX accounts were automatically converted to a Wells Fargo Credit Card I received no such clear notice. Please note that the payments I make monthly through XXXX are done directly via the XXXX app on my phone. I have never used the physical XXXX credit card. Within this transition, my existing XXXX card was automatically converted to a Wells Fargo Credit Card without my knowledge. XXXX months rent was charged to said card, and this charge has been delinquent since. I discovered the credit-score drop on XX/XX/XXXX, when notified by XXXX XXXX XXXX I ran a credit report and identified the Wells Fargo charge. I could not access the Wells Fargo account online because it was frozen ; phone support was unavailable until XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX, spoke with XXXX in Payments & I immediately paid the balance on XX/XX/XXXX ( rent +accrued interest : {$5300.00} ). Please note that the emails that were sent to my personal email were in my spam folder, and I did not receive any paper mail related to this in my discussion with XXXX from Wells Fargo, she flagged that my account showed returned mail as well as that all my paper statements were being suppressed. I never received the physical card, never knew the account existed, and never authorized this. This incorrectly reported delinquency caused a XXXX drop to my credit score. I have a long history of on-time payments and responsible credit use ; this adverse entry is false, unjust, and will have severe financial consequences for years if not removed. I would greatly appreciate your help in the removal or correction of the delinquent trade line and update all credit reporting agencies to reflect the account as authorized/paid and/or an error due to improper account conversion and lack of notice. I greatly appreciate your time and please do not hesitate to contact me if you have any questions or need any additional detail. Please see detailed information below : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, New York, NY XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX Wells Fargo Credit Card Number : XXXX Best, 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 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Im writing to file a complaint against CREDIT COLL for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX for blatant violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On or about XX/XX/XXXX, both entities received my certified dispute mail highlighting significant accounting discrepancies and vehicle trim misvaluation regarding my auto finance account. On XX/XX/XXXX, XXXX issued a XXXX " validation package '' that completely fails federal validation standards and serves as direct evidence of deceptive collection practices. XXXX. FAILURE TO VALIDATE DEBT BALANCE : XXXX XXXX cover letter demands a balance of {$32000.00}. However, page XXXX of their own enclosure shows an internal ledger that stops completely on XX/XX/XXXX with a principal balance of {$31000.00}. Neither XXXX nor XXXX XXXX provided a Notice of Sale, a wholesale auction transaction receipt, or an itemized deficiency calculation showing how the current {$32000.00} balance was derived. XXXX. CONCEALMENT OF AUCTION PROCEEDS : The validation documents confirm the vehicle was a premium XXXX XXXX XXXX XXXX XXXX XXXX with a day-one wholesale valuation of {$33000.00} ( verified by Page XXXX and XXXX of their own package ). The vehicle was repossessed, yet no credit for the commercial auction sale has been subtracted from the balance. Chasing a consumer for a pre-auction balance after seizing and selling the collateral constitutes a fraudulent collection amount. XXXX. COGNIZANT BREACH OF CONTRACT AND OMISSION OF REFUNDS : Pages XXXX, XXXX, and XXXX of the validation package prove the transaction included {$2900.00} in optional add-on products ( GAP Contract : {$990.00}, XXXX XXXX Contract : {$1400.00}, Maintenance Plan : {$490.00} ). Sections XXXX and XXXX of the executed Retail Installment Sale Contract explicitly state that upon repossession, the XXXX is required to cancel these policies and apply the pro-rated refunds to reduce the balance. The ledger proves XXXX refunds were applied. The XXXX statutory window for accurate verification has expired. XXXX is knowingly reporting a wildly inaccurate, unverified balance to the credit bureaus. I demand an immediate federal investigation into these systemic accounting abuses, the deletion of this inaccurate trade line from my credit files, and a formal cease and desist from 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 2026-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because I believe Experian , Equifax, and TransUnion have continued reporting information on my credit files that I dispute as inaccurate, incomplete, inconsistent, or not adequately verified after my review of each bureau 's report. My disputes include bankruptcy-related accounts reported by XXXX ( XXXX accounts ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a XXXX XXXX account XXXX XXXX XXXX of {$3300.00}, a public record identified as XXXX XXXX Bankruptcy XXXX, XXXX Bankruptcy XXXX, XXXX, Reference No. XXXX, and XXXX inquiries reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe these items require a reasonable and independent reinvestigation under FCRA XXXX, and I am requesting that each bureau verify every disputed item using competent documentation rather than relying solely on automated verification. I also requested disclosure of the information and sources used to verify these items under FCRA XXXX ( a ) ( XXXX ). My concern is that my reports may not be maintained with the maximum possible accuracy required by FCRA XXXX ( b ) and that furnishers are obligated to provide complete and accurate information under FCRA XXXX ( a ). With respect to the disputed inquiries, I requested verification that each XXXX inquiry was supported by a permissible purpose as required by FCRA XXXX ( a ). If any disputed account, public record, charge-off, or inquiry can not be verified as complete and accurate through a reasonable investigation, I believe it should not continue to appear on my reports because its continued reporting may unfairly affect my creditworthiness and financial opportunities.

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 2026-07-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Uprova Credit, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I applied for a personal loan with Uprova Credit , LLC. My application was denied, and I received an adverse action notice stating that the principal reason for the denial was : Not paid by direct deposit. I am filing this complaint because I question whether this adverse action notice complies with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1691 ( d ), and Regulation XXXX, XXXX C.F.R. XXXX ( b ) ( XXXX ). Section XXXX ( b ) ( XXXX ) requires that an adverse action notice contain a specific statement identifying the principal reason ( XXXX ) for the adverse action. It also provides that statements based on a creditors internal standards or policies are insufficient. Although XXXX identified Not paid by direct deposit as the principal reason for the denial, I am unable to determine whether this statement accurately identifies the actual factor considered in evaluating my application or whether it merely reflects an internal underwriting policy or eligibility requirement. Because the notice provides no additional explanation, I can not determine the actual basis for the adverse action or whether the stated principal reason satisfies the requirements of the XXXX and Regulation XXXX. Accordingly, I respectfully request that the CFPB review whether XXXX adverse action notice complies with the notice requirements of 15 U.S.C. 1691 ( d ) and XXXX C.F.R. XXXX ( b ) ( 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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
Credit Acceptance Corporation doesn't allow leeway dates to make payments to accommodate when us on the loan get paid so it falls on the XXXX of every month charging excessive amount of fees. I've contacted them numerous times and refuse to work with us. Very frustrating. All.most seems as if they are purposely trying to ruin our credit a legal way. They already have a lawsuit going against them. The the vehicle and had to pay a ridiculous amount of money to get it back. I'm unsure how much extra fees and interest they've charged us. It's a repetitive cycle of not being able to get out of the debt and payments back to normal because at this point we're just paying fees and interest not even on the car itself. Since we missed one payment they pick and choose if the next months payment goes towards the loan or the fee interest and the missed months. It never goes towards my payment for that month so they report our credit incorrectly with is affecting us to be able to refinance the car with a different company to get far away from credit acceptance. Every day basically it's some now with them of interest or fees and they pick and choose when they want to do that. Very unfair to us the consumers. They are aware and purposely targeting low income people to put them in finical debt problems and terrible credit. Also where we bought the car from which is XXXX XXXX in XXXX Wisconsin they knowingly knew they were going out of business and getting all the cars repossessed still selling us a car with problems and the owner owes a bunch of taxes not filling properly something like that. And credit acceptance corporation won't admit to them going out of business and not being a business anymore they saying in there system that they still are in business that they can't do anything about it that I've to speak to them about it but there's no way I can the owner won't reach out so I'm just stuck in this mess.

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 2026-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX U.S. Bancorp ATTN : Executive Review Department XXXX XXXX XXXX XXXX, MN XXXX Re : Request for Executive Review of Credit Reporting Following XXXX Loan Modification HELOC Loan Number : XXXX To Whom It May Concern : I respectfully request an executive-level review of the credit reporting associated with the above-referenced account. The account originated as a Home Equity Line of Credit. However, pursuant to a XXXX modification agreement, the obligation was converted to a fixed-rate, fixed-payment loan with a maturity date in XXXX and repayment under a fixed amortization schedule. I previously requested a review through your credit reporting department and supplied a copy of the modification agreement. I was advised that the reporting is accurate. However, I continue to have concerns regarding whether the furnishing accurately reflects the account 's modified structure. Specifically, my credit reports show : A reported credit limit of approximately {$31000.00}. A balance of approximately {$29000.00}. A revolving utilization ratio of approximately 91 %. A historical high credit amount of approximately {$49000.00}. If U.S. Bank continues to classify the account based upon its original HELOC structure, I respectfully request an explanation of why the original credit line appears to have been replaced with a reported limit approximately equal to the modified principal balance. I would appreciate a written explanation addressing : XXXX. The XXXX XXXX XXXX XXXX is currently furnished. XXXX. The XXXX XXXX Account Type is currently furnished. 3. The rationale for reporting a credit limit after the XXXX modification. 4. The methodology used to determine the reported credit limit amount. 5. How the current furnishing accurately reflects an account that is repaid under fixed terms and for which future advances are unavailable. 6. Whether any alternative reporting treatment was considered following the modification. My objective is not to dispute the debt or payment history. Rather, I seek to understand and ensure that the account is being furnished completely and accurately in light of the substantial changes implemented through the XXXX modification agreement. Thank you for your review and consideration. I look forward to your 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 non-monetary relief
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
i'm being charged late fee and my payments aren't being posted in the month that I submit my payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I signed a contract with XXXX XXXX XXXX for my move from XXXX to XXXX. A contract to render a service that was never provided. A contract to provide services that this company, XXXX XXXX XXXX, on their own accord did not provide. They took my deposit that went fully through my bank account on XX/XX/year> and from then on, I did not hear from them ever again. No calls, no emails, nothing. On the morning of my move of XX/XX/year>, I called them around XXXX ( I was told at my last conversation with their customer service that my " window for the mover 's pickup was from XXXX to XXXX on XX/XX/year> and that the driver would call me 1hr to 30min prior to arrival '' ). When I called the first time, again, at XXXX on XX/XX/year>, I was told " they are coming, you are still within your window ''. I called 2 more times, as the hours passed by and asked to speak to a supervisor both times. They would not put me through to anyone but said they would send a message for the supervisor to call me back asap. At about XXXX I called again and stated that I wanted a refund. At this time, I was finally put through to who I was told was the supervisor, her name was XXXX. XXXX then proceeded to explain to me that there is no time frame and that they will be there when they can. I called her out and told her I have since reviewed all the companys information online and I know XXXX XXXX XXXX is a fraud and I will proceed to move forward legally ( I have this recorded ). She then proceeded to tell me that she will file a collection on me ( which is a threat and additional fraud ), Again I have this recorded. As I called my bank on my moving day to dispute that initial deposit charge of {$1400.00} ( since services were not rendered and they are a scam company ). I found out XXXX XXXX XXXX charged me on XX/XX/year> ( moving day ) for almost {$600.00}. I was able to get that charge stopped. The above is the issue with the company XXXX XXXX XXXX. However, my bank of 14 years, Wells Fargo does not want to deal with the {$1400.00} even though they are aware of the company being under investigation. Wells Fargo is requiring me to get it back from the fraudulent company.

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 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WI

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

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 2026-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of a XXXX late payment on my Truist auto loan account. My payment was made on XX/XX/year>. Despite this, Truist reported my account as XXXX days past due to the credit bureaus. I disputed the information with XXXX and supplied supporting information. XXXX completed its investigation and stated that the account was updated, but the inaccurate late payment remains on my credit report. I believe the information being furnished is inaccurate and is causing harm to my credit profile. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be complete and accurate. I am requesting that the CFPB require Truist to conduct a thorough investigation, correct any inaccurate reporting with XXXX XXXX XXXX XXXX XXXXnd remove the erroneous XXXX late payment from my credit reports if it can not be verified as accurate. I have documentation supporting my payment history and am prepared to provide it during the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Banned from XXXX XXXX for taking pictures of a teller, then banned nationwide once they found out I have 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 2026-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
I provided a formal dispute letter to the collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, ATTORNEYS AT LAW, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX. In the letter, I acknowledges the original {$4.00} toll but formally disputed the additional {$87.00} in penalties. I argued that my E-PASS transponder was fully functional and my account had ample funds to cover the toll, pointing out that the transponder successfully registered at all other toll locations during my trip on XX/XX/XXXX. Because the transponder failed to read only at XXXX XXXX XXXX XXXX XXXX, I asserted this was likely a DelDOT equipment malfunction rather than an error on my part. I provided an E-PASS statement from the XXXX Florida XXXX XXXX to back up the claims made in the dispute letter. The transaction logs confirm that on XX/XX/XXXX, the vehicle with license plate XXXX successfully used electronic tolling at the Delaware XXXX XXXX, the XXXX Washington XXXX, and the XXXX XXXX XXXX. The financial activity shows the account was actively replenishing via credit card during the trip, proving there were sufficient funds. Reference Number : XXXX Client Code : XXXX License Plate : XXXX FL While I am prepared to remit payment for the original {$4.00} toll amount, I strongly dispute the imposition of the additional {$87.00} in administrative fees, volunteer ambulance company fund fees, fund to combat violent crimes fees, civil penalty fees, and civil penalty surcharge fees. These additional charges are, in my view, unjustified and unreasonable given the circumstances described above, which indicate a technical issue beyond my control. I have called a few times over the past year but this collection firm is making no obvious attempt to resolve this claim. I look forward to a prompt resolution of this 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