vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Two unauthorized transactions for {$490.00} each ( totaling {$980.00} ) were taken from my Wells Fargo account while I was asleep. I did not authorize these charges, and I do not use cryptocurrency. These transactions were made by a fraudster who gained access to my account. 

I reported the fraud immediately. Wells Fargo closed my card, issued new cards, and initially treated the activity as suspicious. Now I am being told that I made these purchases myself, which is completely false. This response has made me feel as though I am being accused of lying about what happened. 

This situation has caused significant stress, disruption, and frustration. I have been a loyal Wells Fargo customer for many years, and instead of being supported as a victim of fraud, I am being treated like I am the one who committed it. I am requesting a full investigation and the immediate return of the {$980.00} that was stolen from my account.

I am also requesting that Wells Fargo review their handling of this case to ensure compliance with the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

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 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: AZ

Complaint narrative:
I was a victim of ID theft ( I will attach police report ). I notified Oliphant of this and I also requested to seize all communications with me on several occasions. Verbally XX/XX/year> and I am still getting calls from them, they say I owe the debt and not to take responsibility for it. They harassment tactics need to stop. I am tired of telling to stop calling and they continue to violate my legal rights by calling me over and over. I demand they stop and remove this from all credit reporting agencies. 

Oliphant USA , LLC XXXX Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Credit Karma, LLC
State: MS

Complaint narrative:
Credit Karma closed my money account. Every yesr I file with XXXX XXXX  and get a advance loan and it is deposited into the credit karma account. This is the only account XXXX XXXX  will use. Credit karma closed my account for no logical reason and now I won't be able to get the loan for tax season. Thus putting me and my children in a financial burden. Can American just give the XXXX man a break, just sometimes?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
There was a unknow withdraw on my account of {$14000.00} on XX/XX/year>. The withdraw was not made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUHOME SOLUTIONS, LLC
State: MO

Complaint narrative:
I have occurred total loss of home covered by XXXX XXXX ; they processed loss on XX/XX/year> and I received on XX/XX/year> check for Loss of {$83000.00} which also covers mortgage payoff of {$52000.00} to TruHome Solutions. The Check contained Joint In both names. I spoke with TruHome and confirmed about returning funds in XXXX business days. On XX/XX/year> I signed and sent check by XXXX XXXX overnight to TruHome, which they received on XX/XX/year> at XXXX. 
They deposited check on XX/XX/year>. TruHome will not distribute my portion of remaining funds and continues to set on my portion, causing additional costs ( PPTaxes, Insuring Property, loss of interests ), while they receive interest on my money. 
After many attempts through phone calls and e-mails they still have not mailed funds to me. 
The latest response I am receiving from a TruHome XXXX XXXX XXXX XXXX is, We sent check by XXXX XXXX and our mailroom said they mailed it. While XXXX website does not shoe receiving anything from TruHome except a label being created. 
" The checks in the Mail ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
NCB management services pursue collection of an auto loan and obtained a default judgment against me. I was never properly served. The summons was sent to an address. I have not lived at for over 15 years. I had no notice of the court date and can not appear or defend myself. The\n Court entered a judgment without my knowledge. And now XXXX and XXXX XXXX or XXXX XXXX all right, attempting to collect on that judgment.This is improper and violates my due process right? I am disputing the validity of the judgment and requesting the collection efforts cease while the matter is resolved i have supporting documentation showing my current address in the old addresses used for my services. And I am preparing a motion to vacate the judgment in court due to lack of proper services

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
I am requesting CFPB assistance because Continental Finance has refused to provide the written payoff amount for my closed XXXX Mastercard account, despite XXXX separate written requests on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 

My account was closed on XX/XX/XXXX. After the closure, Continental Finance disabled my online access, which prevented me from viewing my account number, statements, or payoff information. They also did not send paper statements. Because of this, I have no way to verify the payoff amount or submit payment by mail. 

Under Regulation Z, a creditor is required to provide a written payoff amount upon request. Instead of providing the payoff amount, Continental Finance repeatedly sent irrelevant responses, such as restating the statement balance ( which is not a payoff amount ), asking for screenshots of login errors even after I stated I do not want online access restored, and attempting to redirect me into a settlement program, which I did not request.

They have also continued charging interest on a closed account while refusing to provide the payoff amount needed to stop interest from accruing. Experian is reporting a balance that includes interest that accrued solely because Continental Finance has refused to provide the required payoff information. 

Their refusal to provide the payoff amount is preventing me from paying the account in full and is causing financial harm. I am acting in good faith and simply want to pay the account off, but they are obstructing my ability to do so.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: IL

Complaint narrative:
I currently have a Checking Account and a Credit Card with US Bank. I changed my mailing address recently ( XX/XX/XXXX ) to my new address as I havent changed it ever since I moved back in XXXX. When i tried to make a purchase at XXXX with my Credit Card around XXXX XXXX XXXX, the bank declined my transaction for fraud. When I got on the phone, they said they marked it fraud because they can not verify my identity and that address change triggered the fraud. I got on the phone with the person in charge and the matter got resolved. 

Fast forward, XXXX days later ( today XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ), I try to make another purchase, now with a XXXX XXXX XXXX, the fraud was triggered again and the bank customer service line couldnt give me anything but to forward me to talk to the Bank Fraud Detection/Customer Identity Verification Department . I was put on hold for an hour without them accepting the call. They will probably accept my call whenever they can. 


But my general complaint is, what if I need to make a purchase outside of office hours, maybe on a holiday, maybe Im out of state, at the airport, need to rent a car, what if the fraud get triggered again? In cases like this, I would be stuck/stranded somewhere without access to my money. I offered to go into a physical branch and provide proof of my identity but the bank said it would not change anything. Everyone else can confirm their identity by providing their DOB or SSN, but I cant. I can even hear them laugh when I verify with my name ( which sounds foreign as XXXX is not my first language ). 

I believe the bank is discriminating me because of my country of origin ( name that sounds foreign ). Barring that, I can not think of a reason why the Bank would have trouble verifying me when they can verify almost everyone else through their SSN or DOB. I have ( or had ) bank accounts with multiple other national banks including XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, among others and they have always been able to verify my identity easily. 

I want them to tell me why they cant verify my info like everyone else without putting me on hold for hours just to tell me they dont know why.

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MIDFIRST BANK
State: OK

Complaint narrative:
Back in XX/XX/year> I filled out an application for a defective car for XXXX and was redeemed successful because of vehicle history. XXXX month later I was incarcerated and the perpetrator stole my mail and claimed the earning and cashed out at MidFirst Bank in XXXX XXXX  tellers are denying hosting accounts under my name and bank owners won't space time for conversation. Upon opening up a new account at MidFirst Bank in XXXX where I reside the bank has issued numerous debit cards to XXXX under my name based on rumor going around town and my name being center of attention. I have seen that there is an account under the name XXXX which is my old account and my new account and tellers denied hosting that 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 explanation
Consumer complaint received 2026-01-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/XXXX I purchased a SERVICE from XXXX  for {$750.00} using my Barclay 's credit card. The website did not have any refund or return policy on it when I made the purchase. I scheduled the service for XX/XX/XXXX. I cancelled the scheduled service on XX/XX/XXXX and I requested a refund from the seller. The seller and the website both refused my request. I still have not received the service. On or around XX/XX/XXXX I initiated a dispute with my credit card and provided all the above information. Some time in XXXX I received a call from Barclay 's asking me very basic questions, such as when I made the purchase and when I cancelled the service and whether I received the service and I answered all of their questions clearly. I recently checked the status of this dispute and found that it was resolved in favor of the merchant, which is outrageous because I paid for a service which I never received and I cancelled the service a week before it was scheduled to take place. XXXX has also revoked my access to the service so that now, even though I paid for it, I can not rebook it even if I wanted to and it's also impossible for me to leave a review for the seller. I called asking why the dispute was resolved against me on XX/XX/XXXX and the person I spoke with named " XXXX '' claimed that it was resolved against me because I did not reply to the merchant rebuttal, but I NEVER RECEIVED THE MERCHANT REBUTTAL and I never had an opportunity to provide a response. They won't even tell me what the merchant rebuttal says, yet I have emails which clearly show I cancelled the service well before the scheduled date and that the merchant outright refused a refund.

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 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: MD

Complaint narrative:
Im filing a complaint because Cash App did not conduct a thorough dispute investigation, did not provide written findings explaining why my dispute was denied, and did not provide a temporary credit for the disputed amount while the investigation was pending. 
I used Cash App to pay a merchant transaction for an online order ( Order # XXXX ) totaling {$57.00}. 
I requested cancellation from the merchant on their website 's contact us portal on XX/XX/2025 and followed up again by email on XX/XX/2025. 

Despite my cancellation request, the merchant shipped after the cancellation window I requested, and also downgraded the shipping method ( I paid for XXXX XXXX, but the merchant shipped using USPS XXXX XXXX  ), and did not mail it out until XX/XX/2025. 
I filed my dispute with Cash App on XX/XX/2025 and provided supporting documentation ( order confirmation/invoice, my cancellation communications, and shipping information ). Cash App denied the dispute, but did not provide a meaningful written explanation of why it was denied, what evidence was reviewed, what steps were taken to investigate, or what information ( if any ) was obtained from the merchant. 
I also requested a temporary credit for the disputed amount while the investigation was ongoing. Cash App did not provide a temporary credit and did not provide a written explanation for why a temporary credit was not provided. I requested written findings and clarification of the denial, but I have not received written findings that explain the basis for the decision. 
I am requesting CFPB assistance because Cash Apps handling of my dispute appears incomplete and lacks transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding National Credit Systems , Inc. ( NCS ) for furnishing and attempting to collect information that was inaccurate and not properly verified after dispute, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

In or around XX/XX/XXXX, I disputed an alleged apartment debt that NCS was reporting to the credit bureaus. NCS failed to provide proper validation of the alleged balance, yet continued to furnish the account as delinquent. As a result of this inaccurate reporting, I experienced housing denial and financial harm.

After continued disputes, the NCS account was removed from my credit reports and now reflects a {$0.00} balance, confirming that the information could not be verified. 

In XX/XX/XXXX and XX/XX/XXXX, NCS engaged in written settlement negotiations related to these violations. A settlement amount of {$2100.00} was proposed by NCS in a written agreement dated XX/XX/XXXX. I accepted that amount on XX/XX/XXXX, prior to a scheduled court hearing. 

Despite ongoing settlement communications and receipt of my signed documents, NCS later asserted that no settlement existed after the case was dismissed on procedural grounds due to a missed hearing.

I am requesting CFPB review because NCS : Furnished unverified and inaccurate information after dispute Failed to properly validate the debt Removed the account only after harm occurred Engaged in settlement negotiations and then repudiated responsibility after dismissal The account has already been removed from my credit report, but the financial harm and improper conduct remain unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SANTANDER HOLDINGS USA, INC.
State: IA

Complaint narrative:
They left me a message asking me to call back. I called them because they didn't leave any information about the debt. When I returned their call at XXXX today, I spoke with a woman. She spoke very quickly, asked for my name, who left the message, and what it was about. I explained that no other information was provided. She told me the company 's name ( which I couldn't hear clearly ), asked for proof, and clarified what she said. Then she informed me that I was being sued and that they planned to take my license. She wished me good luck and hung up. The number that called me and left the message was XXXX. That is the same number I called back. I have been disputing items on my credit report that are inaccurate or not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
Violation of FCRA 1681s-2 ( a ) and Regulation V Under FCRA 1681s-2 ( a ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. The current reporting of this account as " Active '' or " Delinquent '' is inaccurate. Pursuant to the XXXX settlement and subsequent court orders in the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Department of Education lawsuit, this debt was eligible for full discharge and forgiveness. 
The Department of Education 's failure to process this forgiveness in XXXX, which would have avoided the XXXX " tax XXXX '' on forgiven amounts, constitutes a failure of data integrity under CFPB Regulation V. Continued reporting of a balance on an account legally subject to forgiveness violates your duty to maintain " maximum possible accuracy. '' XXXX XXXX Technical Non-Compliance I am also disputing this item based on XXXX XXXX compliance guidelines, the industry standard for electronic data reporting. My review indicates the following technical discrepancies in the data string : The account status does not accurately reflect the legal discharge status mandated by the XXXX lawsuit settlement. The Compliance Condition Codes The furnisher has failed to provide the mandatory " Notice of Dispute '' code required by FCRA 1681s-2 ( a ) ( XXXX ) when a consumer challenges accuracy. 
Any reporting that deviates from the strict XXXX XXXX standardized format is a violation of federal mandates and must be corrected or deleted immediately. 
Demand for Action In light of the XXXX lawsuit and the CFPBs XXXX enforcement priorities regarding debt forgiveness and medical/student debt accuracy, I demand that you : XXXX. Immediately investigate the accuracy of this account with the furnisher. 
XXXX. Update the account to reflect a {$0.00} balance and " Discharged '' status, or delete the trade line entirely if the furnisher can not verify technical XXXX XXXX compliance. 
XXXX. Provide me with a description of the procedure used to verify this information within 30 days. 
Failure to remedy this within 30 days will result in further action, including a formal complaint to the CFPB 's Online Portal and potential legal action for willful noncompliance under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Continuation of my complaint # XXXX against PHH Mortgage . You closed my complaint after receiving notification from PHH that they mailed a refund check in the amount of {$1000.00} to my attorney on XX/XX/XXXX. To date, XX/XX/XXXX, the check has not been received and I am getting a run around from them as to when I will be getting a replacement check issued. Therefore, until the check is received, this case is certainly NOT CLOSED. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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 2026-01-12 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

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