vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am filing a complaint regarding monthly maintenance fees charged by Wells Fargo on my checking account. When I originally opened the account, the terms stated that the $ XXXX monthly maintenance fee would be waived if the account maintained a minimum balance of {$500.00}. I maintained my account based on this requirement. However, several months ago Wells Fargo changed the minimum balance requirement to {$1500.00} in order to waive the fee. I was not clearly notified of this change. I later learned that the notice was only placed in the back pages of a monthly statement, which I believe is not a reasonable or clear method of notifying customers about such a significant change to account terms. As a result of this undisclosed change, my account was charged monthly maintenance fees for several months totaling {$50.00}. When I visited a Wells Fargo branch to close the account and request a refund, the bank only refunded {$10.00} and refused to refund the remaining fees. I called the headquarters of wells forgo after I closed my account, they declined to reverse the charges because of account was closure. I believe this practice is unfair because the change to the account terms was not clearly communicated. Customers should receive clear and direct notification when important account requirements change. I respectfully request that Wells Fargo review this situation and refund the remaining {$40.00} in fees that were charged as a result of this change. Thank you for your time and assistance in resolving this matter. Ps. My checking account is 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 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: IL

Complaint narrative:
An application for credit was submitted fraudulently via telephone. A police report was filed. The creditor refused to remove fraudulent account without proper documentation of identification.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
XX/XX/year> there was an unauthorized charge of XXXX at XXXX. By the time I noticed it there was a XXXX unauthorized charges on my card on XX/XX/year>. XXXX was for XXXX, another XXXX, and the third was XXXX. XXXX was a XXXX charge. I tried to contact them to get a refund they told me they don't see the charge on their end but it's on my card. Was told to contact my bank .. Chime. I contacted them, explained my situation. I was told to put in a dispute for my unauthorized charges. I had to wait almost 90 days for a reply. Then it was a denial, talking about they didn't see any fraudulent activity. It's my card! I didn't make these purchases but they are sticking too my account. I tried calling for what information did they use to determine in their favor. I'm the customer, it's my money and I'm being told no. To be honest I don't feel that my money is safe anymore with these Banks. I want Chime to do what they were supposed to do I didn't know about the CFPB until XXXX days ago. I got a resolution denying my claim like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
CFPB Complaint : Bank Silence After Law Enforcement Involvement Summary : Wells Fargo has stopped communicating regarding my fraud claim after law enforcement contacted them and requested evidence. I have a writtenonly communication requirement, and the bank has not provided any updates, documentation, or responses for several days. This silence is preventing resolution and appears to be a procedural failure. Details : A detective contacted Wells Fargo and requested evidence related to my fraud claim ( ATM footage, EJ logs, machine totals, and related documentation ). After this contact, Wells Fargo stopped all communication with me. I have a writtenonly communication requirement on file. The bank has not provided any written updates, status information, or acknowledgment of the law enforcement request. No explanation has been provided for the delay or silence. The lack of communication prevents me from understanding the status of my claim, the evidence review, or the banks next steps. This appears to be a failure to provide timely updates, a failure to communicate in writing as requested, and a failure to respond appropriately after law enforcement involvement.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
I opened a XXXX XXXX XXXX account on under a publicly advertised bonus promotion. The offer stated that if Opened a new Access Checking or Premier Checking account by XX/XX/XXXX by visiting a banking center, calling our XXXX, or opening online using the notice code XXXX ; and Receive {$400.00} : Open an Access Checking account and have an aggregate of at least {$1500.00} in XXXX deposits within the first 90 days of account opening. - In this case I opened the account online using code XXXX I fully completed all requirements : Opened account in XXXX Completed required actions : Deposited over {$1500.00} Evidence : I have screenshots/PDFs of the offer and proof of meeting requirements. Despite meeting all terms, the bank has not paid the bonus. I contacted customer support on XX/XX/XXXX, and the responses were that I did not qualify for the bonus because I was outside of XXXX XXXX XXXX location. I am requesting that the CFPB assist in having the bank honor the terms of their advertised offer, which I relied on in good faith when opening the account. What I want : For the bank to deposit the full {$400.00} bonus I earned per the promotion terms. Attached is the screenshot of my transactions and an attachment of the offer from the Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I did a mobile deposit of my payroll check and when I went to deposit it on the mobile app, it did not specify that my check would be on a hold when I hit deposit. The bank said I had a hold for 10 days on the payroll check and it would not clear until the XXXX day, which is the XXXX of this month. I have a problem with that as it is a payroll check the money is Accessible the next day yes I have a {$48.00} negative on my account but my check being XXXX would clear up that negative. I asked to speak to the supervisor supervisor said that they could not remove the hold and it would have to be in place until the XXXX and thats when I would get my money I have a XXXX XXXX and need access to the funds immediately as I have bills to pay and medicine to provide for her I stress that to the supervisor, but they seem not to care and were very unbothered by the fact that I had to take care of her and my other daughter who is younger I asked him to stop payment and reverse and they said they could not do that but they would be holding the check so I told them I would take it to my other bank and it would clear there and then I would make sure that there are a bank got the funds provided back to them and he instructed me that I should not do that and told me that there was nothing else he could do and enter the call

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, XXXX unauthorized online XXXX XXXX debit transactions occurred on my account totaling {$30.00} ( {$25.00} and {$5.00} ). I did not authorize these transactions. I reported the unauthorized electronic fund transfers to Wells Fargo in XX/XX/XXXX and requested that the transactions be investigated as fraud. After the report was made, I contacted the bank multiple times to follow up on the claim. In XX/XX/XXXX, when I contacted Wells Fargo regarding the dispute, I was informed that there was no active claim visible in their system, despite my previous report. As a result, the claim had to be re-opened or re-filed. This occurred more than once during the dispute process, creating confusion about whether the claim was properly recorded and investigated. After continued follow-ups, Wells Fargo eventually issued provisional credit for the disputed amount. However, on XX/XX/XXXX, the bank reversed the provisional credit and determined that the transactions were authorized. I continue to dispute this determination. I did not authorize these XXXX XXXX transactions. The explanation provided by the bank appears to rely on the fact that the transactions were associated with my device or digital wallet. However, the presence of a transaction on a device or digital wallet does not by itself establish that the account holder authorized the transaction. During the dispute process I also encountered repeated issues where claims were closed, missing from the system, or required re-filing, which raises concerns about whether the investigation process and timeline requirements were properly followed. I requested documentation and the evidence relied upon in the investigation, including authentication or authorization records used to determine that the transactions were authorized, but I have not received sufficient documentation explaining how the determination was reached. I am requesting that Wells Fargo conduct a proper review of the dispute, provide the documentation relied upon in its investigation and authorization determination, and reconsider the decision to reverse the provisional credit for these transactions.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Round Up Ventures, L.P.
State: AZ

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and improper fees related to my line of credit account with Lendly. I took out a line of credit on XX/XX/XXXX, and paid my balance in full on XX/XX/XXXX, and my account reflected a {$0.00} balance immediately after the payment posted as i used a debit card. On the same day ( XX/XX/XXXX ), I contacted Lendly directly to confirm that my payment had been processed and that my balance was {$0.00}, which the representative confirmed. My account statement also reflects that my balance was {$0.00}. Despite this, Lendly reported to the credit bureaus that my account has a {$750.00} balance, which is inaccurate. Because of this incorrect reporting, my credit score dropped. When I contacted Lendly about this issue, I was told that they report balances on the XXXX of the month and that I would still be charged a fee even though I paid my entire balance on XX/XX/XXXX, via debit card. However, there is nothing disclosed on my account, statement, or agreement indicating that the XXXX is the reporting date or that a fee would still be charged after the balance is paid in full before the statement date. Regardless, I paid my balance before the reporting date and before the statement date, and my account showed, and is still showing a {$0.00} balance, so it is unclear why a balance was reported or why a fee is even being assessed, or what the fee is. Because of these actions, My credit report is now showing an incorrect balance, My credit score dropped as a result of the inaccurate reporting, Lendly is attempting to charge an additional fee despite the account being paid in full. I also asked about their billing cycle charges at the time of opening this account. I spoke with two representatives after her and they confirmed there should be no additional billing cycle fee charged on XX/XX/11 as I am carrying a {$0.00} balance at the time that the statement is generated. I asked the 3rd representative to confirm that there will be no billing cycle fee. She put me on hold, and then came back and said the " supervisor '' ( which is the 3rd supervisor I have asked ) is now saying there will be a billing cycle fee. However, not one person out of the 5 representatives I have spoken to, could confirm what the fee amount is, or why I would be charged a billing cycle fee. In addition to this, they have ALL told me that a billing cycle fee is only charged, if there is an existing balance at the time of the statement being generated. It was not until I asked them to double check this, that their answers started changing. This was the first question I asked at the time of opening the account. Not one representative could explain the reason for the credit reporting showing a balance, either. No one at their XXXX number could explain any of it. As of today, and since XXXX, my balance is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because [ XXXX / Equifax XXXX XXXX ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX v. TransUnion, LLC ( XXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXX TransUnion ( XXXX ), XXXX paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. Accounts to Be Deleted : ============ CHARGE OFF * ============ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: AMERICAN PACIFIC MORTGAGE
State: WA

Complaint narrative:
American Pacific Mortgage has hundreds of illegal and noncompliant marketing services agreements throughout the US. These agreements are not properly valued, and in most or all cases there are little or no services rendered. These agreements function as a disguise for illegal kickbacks, and incentivize referral partners to steer clients to XXXX, who typically has significantly higher rates and fees than many competitors.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account reflects a payment delinquency that does not align with the actual payment history.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: TX

Complaint narrative:
I had gotten an email from InDebted on XX/XX/XXXX about XXXX sending my account to them, I never received any communication about my account being sent to debt collections. I requested debt validation, company sent a E signature email or that I could request via mail, and I requested it to be sent via certified mail. The InDebted company sent an E signature again and told me they couldnt mail, I requested that I will not e sign until debt validation was sent mail, last communication was XX/XX/XXXX. Then on XX/XX/XXXX XXXX sends me an email stating InDebt stated I sent them a cease collection activity which is false information as I requested Debt validation. I am now fighting with original company XXXX about the lack of communication and false information they got sent back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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:
I am filing a complaint against Wells Fargo regarding a check deposit and the banks failure to make the funds available by the date provided to me. I deposited a check on XX/XX/year>. Wells Fargo stated that the full balance would be available on XX/XX/year>. Relying on that representation, I scheduled payments based on the understanding that the funds would be accessible by that date. However, as of XX/XX/year>, the full amount of the deposited check is still not available to me. Because I relied on the availability date Wells Fargo gave me, the payments I scheduled are now at risk of bouncing or have already bounced. This has caused me financial harm, including fees and additional interest accruing on credit card payments that I scheduled in good faith based on the banks stated availability date. This situation has also caused significant stress and hardship for both me and my wife. I am requesting that Wells Fargo : immediately release the remaining deposited funds, reimburse any overdraft, returned payment, or other related fees caused by this delay, reimburse any additional interest or penalties incurred on my credit card payments as a result of the funds not being made available when promised, and provide a written explanation for why the funds were not made available on the date Wells Fargo gave me. I trusted the availability date Wells Fargo provided and made financial decisions based on that information. Wells Fargos failure to make the funds available as stated has directly caused avoidable financial damage and stress. You can also use this shorter requested resolution section if the CFPB form asks for it separately :

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Chime Financial Inc
State: MS

Complaint narrative:
My phone was stolen and I had several unauthorized transactions from a merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX disputed it with chime it was denied I then requested for it to be reviewed again and it was denied again I even uploaded police report

Company response to consumer: Closed with explanation