vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : URGENT : Missing Provisional Credit and Unacceptable Extension / Claim Date : XX/XX/XXXX ( Promised Date ) XXXX XXXX Wells Fargo ( Case # XXXX ) / Wells Fargo Forged Check To the Wells Fargo Claims Department and Management : I am writing regarding the forged 401 ( k ) check claim # Wells Fargo ( Case # XXXX ) / Wells Fargo Forged Check, for the amount of {$5100.00}. Wells Fargo made a firm commitment to me that this case would be resolved and funds would be addressed today, XX/XX/XXXX. As of today, I have neither received a resolution nor have provisional funds been provided. It has been 10 days as for stated today XX/XX/XXXX. Furthermore, an unacceptable extension until XXXX has been communicated to me without proper justification. Banking regulations require a temporary credit to be issued when an investigation requires more than XXXX business days. This delay is causing significant financial hardship. ( See attached from Wells Fargos Official website ) I am notifying the Consumer Financial Protection Bureau ( CFPB ) in writing of your missed deadline. Also be advised that a police report has been pursued for check forgery. I expect Wells Fargo to immediately review this delay and issue me provisional credit payment regarding this matter within the next XXXX hours. And provide a formal explanation as to why you are deviating from standard Reg CC and UCC guidelines. As will the CFBP too will be notified today and copied- XX/XX/XXXX XXXXXXXX XXXX. I look forward to your immediate response. Sincerely, XXXX XXXX Phone : XXXX Email Address : 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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
After my mortgage was included in my bankruptcy, XXXX XXXX XXXX transferred my loan to Selene Finance without my consent or proper notification. XXXX 's phone system was broken for the entire XXXX months they acquired my loan, and they refused to speak to me for the first XXXX months until my bankruptcy lawyer intervened. Their customer service remains nearly impossible to reach, with phone systems directing callers to schedule callbacks that never happen. Now they're falsely claiming I'm behind on more than XXXX payments, which is inaccurate and is causing me significant hardship. I demand immediate clarification on my account status, confirmation that all bankruptcy protections remain in place, a full explanation of how this transfer complies with federal regulations, and a correct accounting of my payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
Company is attempting to collect a debt without verification. If the debt is medically related, company has not proven they issued the debt and for what reason. I have not received any form of receipt, etc. Company must keep in mind if medically related, they do not have access to my medical records, or any subsequent tests run to incur debt, as this is a XXXX violation. I have never signed a release or waiver of personal information to acquire this knowledge if medically related. Requesting verification and validation ( separately ) of debt, and date debt was incurred originally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
ssue : ETRADE froze all of my accounts, including my brokerage account with approximately $ XXXX, due to a small dispute on my savings account that has already been resolved. The merchant refunded the charge, yet ETRADE has kept my accounts locked for days. Harm : Because of the freeze, I was unable to modify an existing limit order during market volatility, resulting in a realized loss of approximately {$5000.00}. I can not trade, manage risk, or access my own funds. Attempts to resolve : I contacted E * TRADE multiple times and requested escalation to the Fraud Case Manager and Risk Operations Team. Representatives refused to transfer me or provide access to anyone with authority to review the freeze. Requested resolution : Immediate unfreezing of my brokerage and savings accounts, and assignment of a case manager who can communicate with me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Client Services, Inc.
State: MI

Complaint narrative:
I have a {$1700.00} balance owed to me that is being withheld. The company placed my account on an 'audit review ' in XXXX and has held my funds for nearly XXXX months. They are now ignoring phone calls ( line goes straight to voicemail ) and refusing to provide a timeline for my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a formal complaint against Bank of America regarding a {$4900.00} fraudulent merchant ring transaction ( XXXX XXXX XXXX, XXXX ) on my credit card account ending in XXXX. Bank of America is currently violating the Fair Credit Billing Act ( 15 U.S.C. 1666 ) by reporting negative information to credit bureaus while actively obstructing my federal right to submit a billing dispute. I attempted to submit my formal dispute and supporting fraud evidence via XXXX XXXX Mail to their published dispute address. The United States Postal Service has returned this legal correspondence to me completely undelivered, officially marked " Moved, No Forwarding Address on File. '' Because Bank of America has failed to maintain operational and legal channels for consumer billing rights, they have failed to conduct a reasonable investigation under federal law. Furthermore, official documentation from the Washington XXXX Attorney General ( File XXXX XXXXXXXX ) has already confirmed that the merchant, XXXX XXXX XXXX, XXXX, is a fraudulent " ghost '' entity whose mail is also returned as undeliverable. I have attached photos of my unopened, returned certified mail piece as proof of Bank of America 's systemic compliance breakdown. I demand that Bank of America immediately suppress all negative credit reporting associated with this account and issue a permanent credit for the {$4900.00} principal plus all accrued interest and fees.

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 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
XXXX own XX/XX/2025 notice stated that negative credit reporting and normal collection activity could resume if I did not take action. I did take action by pursuing hardship assistance/loss mitigation. Therefore, XXXX should be required to explain why it reported me delinquent rather than properly processing my disaster-related forbearance or loss mitigation transition. XXXX acknowledged that I was in an active forbearance plan and that additional forbearance or homeownership protection options could be available depending on my loan type. My property is located in a Presidentially Declared XXXX XXXX XXXX. XXXX failed to properly transition me from forbearance into applicable FHA disaster/loss mitigation options before furnishing adverse credit reporting

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XXXX XXXX I filed a dispute about some charges that I made for airline points on XXXX XXXX, they went out of business. And when I called them about a refund, they told me to talk to my bank. Then, the bank after I filed a dispute closed the dispute. But when I called, I asked, where's my funds? They stated that they were waiting for the money from XXXX to release to me. But then when I call back, they said it was a mistake.They reopened it, and I still haven't received a provisional credit or any other information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
YOUR COMPLAINT This debt collector has done unjustifiable 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. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately this a very stressful situation for my family Im trying to get a house im a single mother of XXXX children and have done everything in my power and I feel very violated from my rights

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Saturday, XX/XX/XXXX I checked my checking account and {$2200.00} had been transferred out of my Social Security deposit without my permission. I contacted Wells Fargo to see what happened. They said a company ( Radius Primes ) had made the transfer for the balance of a loan to the Wells Fargo XXXX XXXX account I had. I told them I had set up a repayment plan and had been paying on the loan since XX/XX/XXXX. They said they would do an investigation that could possibly take up to XXXX business days. I stressed to them that I am on XXXX and my social security money is all I have to pay my mortgage, buy food, and pay my utilities. Since then, I have contacted ( XXXX ) agencies : Radius Primes, Wells Fargo XXXX XXXX, Consumer Financial Protection Bureau, Office of Controller of the currency, and the Pennsylvania Attorney General 's Office. Bottom line is I need help! Creditors are calling and threatening to foreclose on my property.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the following account : Current Creditor : LVNV Funding LLC Original Creditor : XXXX XXXX XXXX, XXXX. Reference Number : XXXX Original Account Number : ending in XXXX Alleged Balance : {$1000.00} XXXX formally dispute this alleged debt and request validation of the account pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. You are not the original creditor, and I do not consent to continued collection activity without proper validation of this debt. Additionally, I request that you cease all phone calls, emails, and other forms of communication to me immediately except as permitted by law. Under the FDCPA, I am requesting the following : Proof that I legally owe this debt A complete payment history on the account Documentation showing that LVNV Funding LLC has the legal authority to collect on this account A copy of any agreement bearing my signature Proof that the debt amount is accurate and valid Please also be advised that continued reporting of inaccurate, unverified, or disputed information to the credit bureaus may constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. If you can not provide proper validation of this alleged debt, I request that this account be removed from all credit reporting agencies within XXXX to XXXX days and that all collection efforts cease immediately. Furthermore, pursuant to 15 U.S.C. 1692c ( c ), you are hereby notified to stop contacting me by telephone and email regarding this matter. I expect all future correspondence regarding this dispute to be sent in writing only. Thank you for your prompt attention to this matter. Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am filing this complaint against Resurgent Capital Services L.P. and LVNV Funding LLC regarding a XXXX XXXX XXXX account being collected and/or reported under LVNV Funding LLC with a balance of approximately {$680.00}. On or about XX/XX/XXXX, I mailed a written debt validation request regarding this account. I requested complete account-level validation, including documentation showing the original creditor, the amount claimed, the basis for the balance, the chain of assignment or ownership, LVNV XXXX authority to collect, Resurgents authority to service the account, and documentation connecting the alleged account to me. Resurgent responded on or about XX/XX/XXXX. The response included an account summary listing LVNV Funding LLC as the owner, XXXXXXXX XXXX XXXX XXXXXXXX. as the original creditor, a current balance of {$680.00}, a date of last payment of XX/XX/XXXX, an origination date of XX/XX/XXXX, a charge-off date of XX/XX/XXXX, and an acquisition date of XX/XX/XXXX. Resurgent also attached what appears to be XXXX limited XXXX XXXX billing statement showing account ending XXXX and a balance of {$680.00}. That response does not provide complete validation. Resurgent did not provide a signed agreement, complete payment history, full itemized balance calculation, Date of First Delinquency support, bill of sale, purchase agreement, complete chain of assignment, or account-level transfer document showing that this specific XXXX XXXX account was sold or assigned to LVNV Funding LLC XXXX A billing statement is not a bill of sale. A billing statement is not a purchase agreement. A billing statement is not a chain of assignment. A self-generated account summary is not complete account-level validation. The issue is not whether XXXX mailed something. The issue is that the documents mailed do not prove ownership, assignment, balance accuracy, legal obligation, Date of First Delinquency, or authority to continue collecting and furnishing this specific account. Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing and requests verification, a debt collector must cease collection activity until verification is mailed to the consumer. Resurgent/LVNV has not mailed complete account-level verification for this account, yet the account continues to be treated as collectible and/or reportable. This also raises concerns under 15 U.S.C. 1692e and 1692e ( 2 ) ( A ), because Resurgent/LVNV is representing the character, amount, ownership, and legal status of a debt that has not been fully supported with complete documentation. Because this account is being furnished to the consumer reporting agencies, Resurgent/LVNV also has obligations under the Fair Credit Reporting Act. If the account can not be verified as accurate, complete, and legally reportable, it should not continue to be furnished as a valid collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-05-27 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: CA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX Display - XXXX XXXX XXXX XXXX XXXX XXXX Front/Back Camera XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX Cellular with XXXX chip, Face ID Space XXXX Total amount : {$1900.00} Return started XXXX XX/XX/year> XXXX Received : XX/XX/year> Affirm Case ID Number : XXXX Affirm Loan ID : XXXX XXXX Resale originally shipped the incorrect serial number XXXX XXXX, and XXXX returned exactly what I received. XXXX denied the refund for not sending the original product. I am writing to formally dispute a closed investigation regarding Affirm Loan ID : XXXX for an order placed on Amazon.com. Affirm has failed to conduct a reasonable investigation under its consumer protection obligations, erroneously ruling in favor of the merchant despite clear documentation of a merchant processing error. The core of this dispute stems from an XXXX XXXX ( XXXX ) order. XXXX shipped an incorrect, lower-tier product than what was ordered. Specifically, I ordered an XXXX with XXXX capabilities. XXXX XXXX instead delivered a XXXX XXXX. Consequently, the serial number on the physical unit did not match the serial number printed on the retail box. Because XXXX shipped the wrong item, the return shipment naturally contained the exact wrong item that XXXX provided. Amazons receiving warehouse flagged the return as a " serial number mismatch '' and denied the refundeffectively punishing me for returning the exact incorrect item they originally shipped. To prove my good-faith intent as a consumer, I subsequently re-ordered the exact same XXXX model via a second Affirm Loan ID : XXXX. This second order was fulfilled correctly, and I am happily maintaining payments on it. However, Affirm is holding me liable for over {$7000.00} across XXXX concurrent loans, despite the fact that I am only in possession of XXXX XXXX. I can not legally or financially be held responsible for a loan on a product that was returned to the merchant due to their own fulfillment error. Affirm closed my original dispute without reviewing the timeline of this merchant error. XXXX has denied my formal dispute and costumer services refuses to escalate by stating " this is the final decision '' Affirm is agreeing on the side of the merchant and closed my dispute case. I have attempted to resolve my case applicably but have had no success. In addition I explained to customer service agent XXXX on XX/XX/year>, prior to my return, of the error that occurred prior to my return. Customer service explained that it was going to get resolved and not to worry about the return. They even stated that they would annotate the error on my behalf. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding Affirms handling of disputes tied to purchases made through the XXXX mobile app XXXX : Verse. The app materially misrepresented itself through misleading implied affiliation with XXXX XXXX XXXX intellectual property, which induced purchases under false pretenses. Another substantially identical dispute involving the same merchant and same underlying facts was previously approved by Affirm ( loan ID XXXX ). However, additional disputes involving the same circumstances were later denied despite submission of similar evidence ( load ID XXXX and XXXX ). I am concerned about inconsistent dispute handling and inadequate investigation standards. I submitted documentation including screenshots, evidence of the apps removal from the XXXX XXXX, and records relating to the previously approved dispute. I am requesting supervisory review, reconsideration of the denied disputes, and a clear written explanation for the inconsistent outcomes across materially identical claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CDI Affiliated Services, Inc.
State: NC

Complaint narrative:
XXXX group placed collection on my credit report on XX/XX/year> called the company to determine the source I questioned the account and was told it was acct of XXXX XXXX. I told rep that is not my name I was given the acct number and found that was not my acct number with the company-XXXX I XXXX given phone number of XXXX I called the XXXX company and XXXX told I could not get any information because the account is not in my name!! XXXX sent false info to XXXX group and this collection dropped my score by XXXX points immediately. Request XXXX remove this collection from my XXXX credit report i am in process of leasing apt and my application will be denied this is immediate damage to my credit XXXX XXXX

Company response to consumer: Closed with explanation