vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: MD

Complaint narrative:
TransUnion, Experian and Equifax may be facing serious legal penalties. You are furnishing inaccurate information on my credit report which is stopping me from getting the credit I need to support my family. Because of your unreliable reporting habits, I am forced to work extra hours day in and day out losing all my spare time ( which I used to spend with my family ). And all the extra stress, lost time, and unwanted pressure in my life is caused by the inaccurate items on my credit report. 

The information in this complaint is inaccurate because it reports different information across each consumer reporting agency ( or CRA ). However, the Fair Credit Reporting Act ( or FCRA ) requires TransUnion, Experian and Equifax to report my credit with maximum accuracy. What is maximum accuracy? Well, under the FCRA, this standard forces CRAs to report my credit 100 % consistent across each agency, only after I inform you of the errors. 

And for this reason, if you do not modify or delete the accounts I am about to list in this complaint, you may have to pay a hefty fine ( over a couple thousand ) for the damages your misleading reporting has caused me.

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 2026-02-21 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: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
On XX/XX/XXXX, my Credit Monitoring service sent me an alert that a new Wells Fargo credit card account ( " XXXX XXXX '' ) was opened in my name on XX/XX/year>. I did not apply for or contact Wells Fargo in any way and I did not open this card. 

I called Wells Fargo the same day and their agent kept transferring me to XXXX departments, denying that this was fraud even before investigating it! Then their system hung up on me. 

I opened a XXXX XXXX on XXXX  the same day and filed a Dispute on this Wells Fargo account, supplying evidence. On XX/XX/XXXX, XXXX  sent me a resolution. I was unable to access it online ( their website had an error... ) and I called. Their agent confirmed the technical error and told me they determined the account was not fraudulent. I don't know how they determined this, but the agent on the phone agreed with me that it looked fraudulent and suggested I contact the FTC to complain. 

I would like this Wells Fargo account opened in XX/XX/year> closed. Wells Fargo did not provide any proof that I contacted them or opened the account. I have no communications or accounts or emails from Wells Fargo at all. This is not possible that it is 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 non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MS

Complaint narrative:
I placed an order on XX/XX/XXXX with a vendor. I had recently received an order from them but hadnt used it yet. I saw they was having a sale and placed a second order XX/XX/XXXX. On XX/XX/XXXX I used the first order and immediately knew it wasnt good. Why I immediately tried to cancel order XXXX. The seller is in XXXX and purposely acted like they didnt understand XXXX. I contacted XXXX XXXX customer service still no help So I asked my bank to dispute. They said no

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I walked into Santander XXXX, XXXX. To cash a check made out to me by XXXX XXXX college that was drawn by their bank. They refused to cash my check even with a valid real state id. They said its not policy to cash a check to a non customer under XXXX. ch. XXXX XXXX the bank should be required to cash my check granted the party has funds from which account the check was drawn and they know this because its their bank. Proper id was shown and they refused to honor the check

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
I am filing this complaint against Scott & Associates , P.C . and XXXX XXXX XXXX ( XXXX ) for professional negligence, providing false information regarding a legal judgment, and continuing to collect on a debt that a court has ruled is not owed. 
On XX/XX/XXXX, XXXX XXXX XXXX, represented by Scott & Associates ( Attorney XXXX XXXX XXXX ), sued me in XXXX XXXX ( Docket : XXXX ). On XX/XX/XXXX, the court entered a " XXXX for XXXX '' in my favor ( see attached XXXX XXXX ). I won this case ; I do not owe this debt. 
Despite this legal ruling, the companies continue to try to collect : Ongoing Collection & Credit Damage : Both companies continue to maintain this account as an active collection, refusing to close the file or update my credit report, which is causing severe damage to my credit and emotional well-being. 
Direct Notice Ignored : I sent the official court judgment to XXXX XXXX XXXX via Certified Mail. Despite having documented proof of delivery, they have taken no action to close the account and continue to refer me back to their lawyers. 
False Representation by Counsel : On XX/XX/XXXX, I spoke with a representative at Scott & Associates named XXXX. He falsely stated that " this case never went to court, '' which is a blatant misrepresentation of a legal proceeding his firm initiated. 
Willful Negligence : XXXX admitted during our call that my account has been disputed several times. Both the law firm and the debt buyer are fully aware that the court ruled in my favor, yet they continue to pursue the debt and use the law firm as a " shield '' to avoid correcting the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one offers early direct deposit access but still continues to hold funds past the date they have received notification of the deposit. I believe this is on its face deceitful because they are not releasing the funds when they receive notification as they claim to, instead they release funds just 2 days early. No funds are release any more than 2 days early even if they have received notification 4 or 5 days early. They should not be aloud to withhold funds for any length of time when they claim to offer early direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
This letter serves as formal notice that I am demanding you immediately cease and desist all communication with me regarding the above-referenced account.

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ), you are required to stop all communication with me except to confirm that no further contact will be made or to notify me of specific legal action.

Additionally, I am disputing this alleged debt in its entirety.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to report accurate and verifiable information to any consumer reporting agency. If you can not provide proper validation of this debt, you must immediately : Delete this account from all consumer reporting agencies Cease reporting this account Notify all credit bureaus to which you have furnished information to remove the tradeline This includes but is not limited to : XXXX XXXX XXXX If you continue to report inaccurate, incomplete, or unverifiable information, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and pursue all available legal remedies.

This letter is not an acknowledgment of liability and does not constitute a promise to pay. 
You have 30 days to comply with this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
XXXX 2025 miscellaneous fees. XXXX  2025 miscellaneous fees. XX/XX/XXXX2025 miscellaneous fees. XX/XX/XXXX2025 miscellaneous fees. XX/XX/XXXX2025 miscellaneous fees. XX/XX/XXXX2025 miscellaneous fees. XX/XX/XXXX2026 miscellaneous fees. XX/XX/XXXX2026 miscellaneous fees. Also being charged a 25 % interest rate when I had a credit score of the XXXX when Purchase. As well as was given false information with regards to payments, interest rate, and help when needed if I had a qualifying event for deferred payment and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I HAVE A VERY LARGE TRUST AND VERY LARGE ASSTS AND 12 BANK ACCTS AND THEY ALL HAVE BANK ACCT HOLDS. BECAUSE OF ME BEING HOMELESS AND NO ADDS. WHAT I HAVE IN MY TRUST ACCTS IS {$99.00} XXXX AND $ XXXX AND CANT USE MY OWN MONEY NOW IAM HOMELESS AND ITS A SHAME THAT I HAVE TO GO THREW THIS AND PEOPLE JUST DONT CARE PLS HELP

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 2026-02-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
Subject : Escrow Accounting Error RESPA 12 CFR 1024.17 Failure to Provide Supporting Documentation for {$54000.00} Shortage Increase I am submitting this complaint as a formal escrow error dispute under RESPA and Regulation X ( 12 CFR 1024.17 ).

Shellpoint Mortgage Servicing has issued multiple Annual Escrow Account Disclosure Statements reflecting materially inconsistent escrow shortages within a 12-month period, without providing a transactional ledger or supporting documentation sufficient to validate the calculations. 

Specifically : XX/XX/XXXX analysis reflected an escrow shortage of {$1900.00}. 
XX/XX/XXXX analysis reflected an escrow shortage of {$56000.00}. 

This represents a shortage increase of {$54000.00} within one escrow cycle. 

During the same period, projected annual bills increased from {$7700.00} to {$12000.00} an increase of {$4600.00}. 

The magnitude of the alleged shortage increase is not mathematically proportional to the change in projected annual disbursements. 

Despite prior complaints, Shellpoint has not provided : XXXX. A complete escrow transactional ledger ( all deposits, disbursements, reversals, suspense transfers ). 
XXXX. Copies of the actual tax bills and hazard insurance invoices supporting the XX/XX/XXXX disbursement of {$7100.00} and XX/XX/XXXX projected disbursement of {$6300.00}. 
XXXX. The escrow shortage calculation worksheet showing : Low point calculation Required starting balance XXXX XXXX Bankruptcy pre-petition vs post-petition allocation. 
XXXX. Documentation supporting the reclassification of pre-petition escrow amounts into post-petition deficiency balances. 

Additionally, I was in an active Chapter XXXX bankruptcy during portions of this timeframe. The escrow payment increase materially impacted plan feasibility. 

I am requesting : Full escrow transactional ledger from date of servicing transfer to present. 
Source documentation for all tax and insurance disbursements used in escrow projections. 
Written explanation reconciling the {$54000.00} shortage increase. 
Suspension of reliance on disputed escrow figures in foreclosure proceedings pending correction. 

This is a formal Notice of Error request.

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 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
To whom it may concern, This is the fourth attempt to submit the required documents Truist Bank is requesting to access my late sisters mortgage. I am the XXXX of her estate and she passed away in XX/XX/year>. 

We are now four weeks and 9 attempts to reach out to Truist. I have sent the survival email on two separate occasions all the required documents requested by Truist. 
It is obvious That either Truist technical IT department has issues or someone is not following through to document this information. 

Not only have I attempted to reach out to Truist for the past 6 weeks I have put in two complaints to this department. 

I Have sent truist the original documentation per mail with a sign receipt to ( XXXX ) corporate offices on XX/XX/XXXX The attach documentation is based on Truists list to move forward to acknowledge the administration of My sister XXXX XXXX estate. 
the documents requested Death certificate Letter letters of administration XXXX XXXX revocable trust which indicates XXXX XXXX ( XXXX ) as the administrator USA patriot act verification form required by Truist signed and sealed by a Truist account manager Successor and interest form Ive also attached a copy of my drivers license for clarification that this Letter is sent by me personally Please contact me as soon as you receive this information and receipt that this Account has been addressed.

I respectfully request that the CFPB assist in obtaining : 1. Written confirmation that Truist has received the estate documents 2. Assignment of a single point of contact 3. A clear explanation of any remaining requirements 4. Timely processing of the estate file Thank you 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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank sent a mailer offering a {$400.00} bonus promotion for opening a " Beyond Checking '' account and direct depositing {$2500.00} into the account within 60 days of opening. I opened the account with the promotional offer on XX/XX/XXXX and {$2500.00} was direct deposited on XX/XX/XXXX. 

I anticipated the bonus to deposit by 90 days, which it did not. I sent a secure message through my account and was instructed that the bonus can take up to 180 days. The XXXX mark was on XX/XX/XXXX. I still did not receive the bonus, so I sent another secure message with no response this time. 

During this time I transferred my funds out of this account and on XX/XX/XXXX began being charged a monthly fee on the account of {$25.00}. I was charged {$25.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. After my call to customer support on XX/XX/XXXX, they reversed the monthly fee for XXXX. 

I called and spoke to a customer support agent on XX/XX/XXXX and was told an agent specialist in this matter would call me back in XXXX business hours. I never received a call and still have not received the bonus of {$400.00} as promised with the account. 

The bank was deceptive and continues to be by not providing the {$400.00} amount agreed upon at account opening after I, the consumer completed all required actions on my part to be eligible for the bonus. It is unfair to be charged a monthly fee as I was when the bank did not uphold their end of the agreement and unfair to do business as TD Bank is doing business. XXXX prohibits this kind of business and this is why I am submitting a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I spoke to Bridgecrest about why still reporting late payments when the loan was closed in XX/XX/year>. It was paid off. They said the car was behind but I paid an extra XXXX cause they repossessed it from another dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
I recently became aware of a past-due balance on my XXXX XXXX account and immediately began making payments to resolve the debt. Since that time, I have reduced the outstanding balance from {$1100.00} to {$190.00} and am continuing to make consistent payments toward the remaining amount. 
However, despite my active efforts to bring the account current, the balance was reported to collections and has since appeared on my credit report. I had planned to contact XXXX XXXX to notify them of my payments and ongoing resolution prior to the account being transferred, but the collection reporting occurred during this process. 
As I am actively working with the original creditor to resolve the remaining balance, I am requesting that this account be reviewed for accuracy and that the collection reporting be reconsidered or removed to reflect my current payment activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
When I transferred American Express membership points from a XXXX  card to an Everyday card in XX/XX/XXXX the point values changed, and I did not fully understand there would be a large decrease in my points value upon the transfer. 

I spoke to the American Express corporate office on XX/XX/XXXX and XX/XX/XXXX after filing a formal complaint on XX/XX/XXXX. They said I was read the proper disclosure in XX/XX/XXXX when I transferred my points but do not provide a transcript of the call and are not required to provide anything in writing when a consumer cancels the card. 

My feedback to them was the disclosure was not in plain language and a normal consumer could not understand how to practically apply the knowledge of the reduction in value of the points because they were being transferred. They acknowledged other consumers might have the same problem as me, and I in fact, know at least one, but American Express is unwilling to do anything to solve the problem or repair the relationship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: DISCOVER BANK
State: TX

Complaint narrative:
I am formally demanding that Discover Financial Services reverse its prior dispute determination and credit my account {$2400.00} for the disputed transaction with the merchant.

I complied fully and timely with Discovers dispute process. I submitted extensive documentation, written explanations, and supporting evidence demonstrating the merchants failure to deliver services as agreed. This was not a subjective dispute but one supported by objective documentation.

Additionally, the merchant failed to respond substantively to the dispute. Despite this, Discover improperly resolved the chargeback in the merchants favor without addressing or refuting the evidence I provided. No meaningful explanation was given as to why my documentation was deemed insufficient.

To be clear, the account balance had already been paid in full. My demand is strictly for the reversal of the transaction and issuance of the chargeback credit in the amount of {$2400.00}, which Discover is obligated to process when a dispute is supported and uncontested.

Discovers failure to apply its chargeback protections undermines the purpose of consumer safeguards under the Fair Credit Billing Act and Regulation Z. I relied on Discovers representations that valid disputes are reviewed fairly and resolved based on evidence. That did not occur here.

I am requesting the following immediate actions : Reversal of the dispute decision Issuance of a {$2400.00} credit Written confirmation explaining the basis for the corrected determination If this matter is not resolved promptly, I will pursue further remedies, including formal complaints with regulatory agencies and additional escalation through Discovers executive and compliance channels.

Please treat this letter as a formal demand for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding excessive and compounding overdraft fees assessed on my Chase business checking account. 

Between XX/XX/XXXX and XX/XX/XXXX, Chase assessed a total of {$2200.00} in overdraft fees on this account. 

Breakdown by year : XXXX : {$810.00} in overdraft fees XXXX : {$850.00} in overdraft fees XXXX ( XXXX and XXXX only ) : {$610.00} in overdraft fees XX/XX/XXXX alone : {$400.00} in overdraft fees These fees were repeatedly triggered by small automated debit transactions posting while the account was already negative. The continued posting of these debits generated stacked {$34.00} overdraft fees, creating a compounding cycle in which fees accumulated faster than deposits could restore the account to a positive balance. 

As of XX/XX/XXXX, the account balance is {$1300.00}. The majority of this negative balance consists of overdraft fees rather than underlying transaction amounts. 

I contacted Chase by phone and secure message requesting : Placement of debit restrictions Suspension of further fee accrual A comprehensive 12-month fee review Refund consideration based on the compounding nature of the charges Chase declined meaningful relief and indicated refund limits had been reached. 

The recurring and accelerating pattern of overdraft fees across multiple years reflects a compounding fee structure that has made it impracticable to restore the account to positive status.

Company response to consumer: Closed with explanation