vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
In XXXX of 2025, I paid my balance and called Wells Fargo to request the closure of my credit card as I no longer used it. I was told that the account would be closed once the final payment processed. Later, I looked and saw that the account had been closed, but an additional fee had been applied and was accruing interest and fees. I called Wells Fargo again, and was told the fees would be removed and that there was nothing more I needed to do. Since then, I have received mail claiming that there is still a balance on the account, now totaling {$370.00}. I can not reach anyone at Wells Fargo and they do not list a public email address.

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
since XX/XX/XXXX, they have contacted me every single day. On XX/XX/XXXX, it was over text. from the XXXX until XX/XX/XXXX I have received an email from them every single day. on top of that, I have received multiple text messages, including one today at XXXX oclock in the morning on a Saturday. The email that was sent on XX/XX/XXXX was also sent at XXXX XXXX. so was the one on XX/XX/XXXX. and XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America is re-aging an account I closed in XX/XX/XXXX. I already had this account removed from my credit report in XXXX. When I checked my credit report I found that BofA had readded the account to my credit report on XX/XX/XXXX, despite the account having been closed since XXXX. Furthermore this re-aging, which shows as a recent late charge-off is illegal and beyond the period of reporting - per New York and Federal Fair Credit Reporting Act statutes.

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 2026-04-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I made an online purchase at XXXX XXXX XXXX totaling {$100.00} ( pretax ) through Capital One Shopping, qualifying for a XXXX promotional offer. Immediately after the purchase, Capital One Shopping sent me an automated email stating, Congrats! Get ready to enjoy XXXX miles. You earned it. Despite this confirmation, the XXXX miles were never credited. After nearly XXXX months, I contacted Capital One Shopping support. Capital One Shopping later stated that the purchase was not eligible and could not be confirmed, without explaining how this position could be reconciled with the prior confirmation email. I provided documentation including the reward confirmation email, the online receipt, delivery confirmation, and the card transaction record. Capital One Shopping declined to credit the confirmed miles and instead issued a {$1.00} courtesy credit, without citing any policy or providing an explanation for invalidating the previously confirmed reward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I am filing a complaint against Bridgecrest regarding a payment I made based on information provided by their representative that was not honored. On XX/XX/year>, I contacted Bridgecrest about my past due balance, which was over {$1000.00}. During that call, the representative informed me that if I made a payment of {$64.00}, approximately half of my past due balance ( about {$480.00} ) would be moved to the end of my loan. This would have reduced my immediate past due amount to a more manageable level. Based on that representation, I agreed and made the {$64.00} payment via their online portal. After making the payment, I contacted Bridgecrest again to confirm that the adjustment had been made. At that point, I was told that this was not the agreement and that I would still need to pay the remaining past due balance in order for any adjustment to occur. I escalated the issue, and Bridgecrest stated they reviewed the call and claimed their representative provided correct information. However, they refused to provide me with a transcript or recording of the call and denied honoring the terms I was told. I would not have made this payment under the terms they are now describing, as it defeats the purpose of the arrangement. I relied on the information given by their representative, and I believe this situation is unfair and misleading. I am requesting that Bridgecrest honor the original agreement by moving approximately {$480.00} of my past due balance to the end of my loan, as I was told when I made the {$64.00} payment. I am seeking a fair resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am formally disputing the companys response as incomplete and misleading. The company has again provided a copy of the original lease agreement. However, this does not address the core issue of my complaint. I am not disputing that a lease existed I am disputing the validity of the balance being reported and collected. I was explicitly granted permission to terminate my lease early without penalty, and I have attached documentation showing this agreement. This agreement modified the original lease terms. The company has failed to acknowledge, investigate, or respond to this documented approval. By continuing to report and attempt to collect this balance, the company is reporting a debt that was waived and is not legally owed. Their response relies solely on the original lease while completely ignoring the subsequent agreement, which is a material failure to conduct a reasonable investigation. I am requesting the following : 1. A full explanation of how this balance is considered valid despite written approval of early lease termination without penalty 2. Documentation showing where I was informed that I would still be charged after receiving approval to vacate 3. Immediate correction or deletion of this account from all credit reporting agencies if they can not provide proof that the charges are valid under the modified agreement If the company can not provide documentation that overrides or invalidates the early termination approval, then continued reporting of this balance may constitute inaccurate credit reporting and improper collection activity. I am requesting that this matter be escalated and properly reviewed, as the companys response has failed to address the evidence provided and does not resolve the dispute. I have reattached my documentation clearly labeled as proof of early termination approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a promotional financing balance on my Synchrony/XXXX account that was due to expire in XXXX. I made payments in XXXX to pay off the promotional balance early. I also had autopay enabled on my account. After my XXXX payments, the system showed no payment due for XXXX, and autopay did not process. I relied on this account information and did not intentionally miss any required payment. Additionally, I contacted Synchrony in XXXX regarding my promotional balance and was instructed to call back in XXXX. I followed that guidance. A supervisor has reviewed the recorded call and confirmed what was discussed. Despite this, I was charged approximately {$1800.00} in deferred interest related to the promotional balance. I believe this is unfair because I acted in good faith, relied on Synchronys system and representative guidance, and the promotional balance was still within its promotional period ending in XXXX. I am requesting a full reversal of the deferred interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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: GA

Complaint narrative:
I was a victim of a social media engineering, marketing scam. Someone on behalf of chime, impersonating chime, reached out to me and instructed me to transfer my funds so that they would be secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I have private student loans that entered repayment in XX/XX/XXXX with an original total balance of approximately {$53000.00}. As of XX/XX/XXXX, my total balance has grown to over {$100000.00}. After reviewing my loan history, I identified {$68000.00} in capitalized interest that was added to my principal over time. These capitalization events occurred repeatedly and were associated with payment postponement, forbearance periods, and other servicing-related triggers. Several large capitalization events include {$14000.00} ( XXXX ), {$9100.00} ( XXXX ), and {$7700.00} ( XXXX ). Between XXXX and XXXX, I made total payments of {$33000.00}. Of that amount, only {$10000.00} was applied to principal, while {$21000.00} was applied to interest and {$1400.00} to fees. Despite these payments, my loan balances have not decreased and in some cases have significantly increased. For example, one loan originally issued at approximately {$19000.00} now has a balance exceeding {$49000.00}, and another loan originally issued at approximately {$19000.00} now has a balance exceeding {$38000.00}. All of my loans currently have balances at or above the original amounts borrowed. I do not recall being clearly informed that interest would be repeatedly capitalized or that the use of forbearance or payment postponement would result in this level of balance growth. The repeated capitalization of interest appears to have caused negative amortization, where my payments did not meaningfully reduce principal. I requested a breakdown of my loan balance, including capitalization events and how payments were applied, but I have not received a clear or complete explanation of how these amounts were calculated or whether I was properly informed prior to capitalization events. I believe these servicing practices resulted in significant and unexpected financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NV

Complaint narrative:
About XXXX year ago, XXXX XXXX XXXX called me claiming I owed a debt. I told them I never had an account with them and asked for debt validation. They said they would investigate but hung up. Months later, they called again. I repeated my request for validation. They said theyd research it. I received no written communication, and there was no further follow-up. Now, just two days ago, a collection agency reported this debt on my credit report. I dont recall exact dates of the calls, but the first contact was roughly a year ago, and the last AT & T call was months after that. I have had no XXXX XXXX XXXX account to my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am recieving a subsidy of {$660.00} a month from the government to help pay for the mortage monthly. I am paying XXXX and the XXXX is paid by governement via subsidy. The bank shows the subsidy on the loan statement but does not detail how that payment is being applied. It only shows the XXXX and interest taken from it. I want a explanation on where that money is going?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Complaint Against BECU Account Restriction and Inconsistent Identity Verification Practices I am filing this complaint regarding a sudden and unexplained restriction placed on my account by BECU, along with inconsistent and unreasonable identity verification requirements. I am an existing customer in good standing with an active account and a recently approved credit card with a {$15000.00} limit. Prior to this issue, I was also approved for a loan of {$30000.00}, which I ultimately declined as it did not meet my needs. Shortly thereafter, I applied for a line of credit through a BECU representative ; that application was denied, and I accepted the decision without issue. A few days later, I attempted to log into my online banking account and found that access had been blocked without prior notice or explanation. When I contacted customer service, I was informed that I must appear in person at a branch and provide an extensive set of documents, including : - Government-issued ID - Social Security card - Three years of tax returns- Utility bill - Pay stub - Letter of employment - A selfie photograph holding my ID When I asked for the reason these documents were required, neither the customer service representative nor the supervisor could provide a clear explanation, policy reference, or triggering event. I was simply told that I must comply or I would not regain access to my account. During the same call, I asked about closing my account instead of complying with these requirements. The supervisor stated that I could complete and sign account closure forms sent to me electronically. This presents a clear inconsistency : I am being told that my identity can not be verified sufficiently to access my own account, yet I am simultaneously considered verified enough to close that same account through an online process. The supervisor was unable to explain this contradiction. All of these interactions occurred on a recorded call with BECU. I am concerned that : 1. My account was restricted without clear justification or notice 2. I am being subjected to excessive and unexplained documentation requirements despite an established banking relationship 3. The institution is applying inconsistent identity verification standards 4. Customer service representatives and supervisors were unable to explain the basis for these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: OH

Complaint narrative:
I originally emailed Dave support on XX/XX/XXXX to revoke ACH permissions from my bank account. They refused several times over the next few days as I kept responding to their refusal with another request to revoke ACH. I emailed them again today, XX/XX/XXXX, and once again requested ACH revocation and that they remove my banking information from their app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: January Technologies, Inc
State: NV

Complaint narrative:
since XX/XX/XXXX, they have contacted me every single day. On XX/XX/XXXX, it was over text. from the XXXX until XX/XX/XXXX I have received an email from them every single day. on top of that, I have received multiple text messages, including one today at XXXX oclock in the morning on a Saturday. The email that was sent on XX/XX/XXXX was also sent at XXXX XXXX. so was the one on XX/XX/XXXX. and XX/XX/XXXX!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Chexsystems : Inquires From XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: LJ Ross Associates
State: IL

Complaint narrative:
I am disputing an alleged utility debt related to an address in XXXX, IL. I was in the process of applying for the apartment but never signed a lease, never took possession of the unit, and never moved in. Because I did not complete the lease agreement, I did not authorize or request utility service at this address. Despite this, an account was opened in my name and I am now being held responsible for charges totaling {$190.00}. I have reason to believe another individual currently resides at the property and is using the utilities. I never occupied the residence and did not benefit from or use any services billed. I am requesting full validation of this debt, including proof of authorization, service agreement, and identity verification showing that I personally initiated or agreed to utility service. If such documentation can not be provided, I am requesting that this account be immediately removed and all collection activity cease.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MA

Complaint narrative:
My ATM card was lost or stolen and drained. I disputed this as I was not physically present at the location at the time these things happened nor did I have the card on me. The phone calls were recorded subpoena XXXX as they record their calls and they lied in their emailed response, and have ceased communicating via any means

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 2026-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding the reporting practices of Affirm, which I believe are unfair and do not reasonably reflect my current financial standing or circumstances. I previously contacted Affirm directly to request a goodwill adjustment for negative reporting associated with my account. This request was made in good faith due to financial hardship I experienced during a period of medical leave, which temporarily affected my ability to maintain timely payments. Despite this, I have since taken full responsibility for the account and have made consistent efforts to maintain good standing. Affirm denied my request without demonstrating that my individual situation was meaningfully reviewed. Their response appeared to be automated and did not address the hardship I explained. This raises concerns about whether consumers are being given fair consideration when requesting reasonable adjustments. The continued reporting of these negative marks is significantly impacting my credit profile and my ability to access fair credit and housing opportunities, even though my financial situation has improved and I am currently meeting my obligations. I am requesting that Affirm conduct a proper review of my account and remove or adjust the negative reporting in light of my demonstrated hardship and subsequent positive payment behavior. At a minimum, I am requesting a detailed explanation of how my request was evaluated and why it was denied. I believe consumers deserve fair and individualized consideration, especially when they have made good-faith efforts to resolve their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am a victim of identity theft. After reviewing my credit report in XX/XX/year>, I discovered several accounts that were opened and reported without my authorization, including accounts with balances of {$5700.00}, {$3300.00}, and {$1200.00}. On or about XX/XX/year>, I submitted a Federal Trade Commission Identity Theft Report and supporting documentation to the credit reporting agencies. As a result of my previous disputes, multiple fraudulent accounts were removed by Equifax and blocked by XXXX. However, the accounts listed in this complaint were not included in my initial dispute and continue to be reported. I did not open or authorize these accounts. I am requesting that the company properly investigate these accounts and block them in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation