vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am taking action because the information that was previously blocked due to identity theft was reinserted by the data furnisher, despite legal obligations. This re-reporting violates my rights under the Fair Credit Reporting Act. I have documented proof that the account was identified as fraudulent, and its reappearance is clear evidence of noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Nelnet regarding the inaccurate and improper handling of my student loan account ( s ). Over time, I have identified multiple discrepancies in my account, including incorrect balances, inaccurate reporting to credit bureaus, and inconsistencies in my loan history. I have attempted to resolve these issues directly, but they have not been properly corrected. Additionally, I have concerns that my educational records and loan information may have been mishandled or disclosed improperly, which raises potential violations of the Family Educational Rights and Privacy Act ( FERPA ). My student information appears to have been used or reported in a way that is not accurate or properly verified. These inaccuracies have negatively affected my financial situation, including my credit profile and repayment status. Despite prior attempts to address this matter, Nelnet has failed to provide adequate verification or correction of the reported information. I am requesting a full investigation into my account history, including how my information has been reported, verified, and shared. I am also requesting that any inaccurate, unverifiable, or improperly reported information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting a complaint regarding unresolved unauthorized recurring charges on my Wells Fargo credit card account. In XXXX 2025, I contacted Wells Fargo to report recurring unauthorized charges of {$29.00} from a merchant I never knowingly subscribed to or authorized. At that time, I was informed the issue was addressed and a block was placed on the merchant. I also replaced my card under the assumption this would stop further charges. Despite this, the same merchant continued to charge my account starting again in XX/XX/XXXX and continuing through XX/XX/XXXX, even after my card was replaced. The merchant name also appears to change slightly across transactions, which raises additional concerns about deceptive billing practices. ( For example the merchant is XXXX XXXX and the following are a handful of examples of the merchant name that shows up on my bank statements : " XXXX XXXX XXXX '', " XXXX XXXX WY '', " XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX '' ) I have attempted multiple times to contact the merchant directly, but neither I nor Wells Fargo representatives have been able to reach any valid customer service or cancellation channel for this merchant. Wells Fargo has since refunded only a portion of the charges, despite acknowledging some of the more recent transactions as unauthorized. I was also informed that prior protections placed on the merchant were temporary, but this was not clearly communicated to me at the time, and the charges resumed within months. Additionally, I was incorrectly told that nothing could be done to prevent merchants from receiving updated card information after a replacement card is issued, and that I would need to contact XXXX directly if I wanted to opt out of the account updater services. I later learned that card issuers can opt customers out of XXXX and XXXX account updater services, but Wells Fargo has not provided a resolution for this or implemented this request. After multiple calls and over an hour of transfers between departments, I was ultimately unable to obtain resolution. I have made repeated good-faith efforts to resolve this issue, including contacting the merchant directly and working with Wells Fargo XXXX At this point, the issue remains unresolved and the charges have continued despite prior reporting and card replacement.

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 monetary relief
Consumer complaint received 2026-04-09 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: IL

Complaint narrative:
I am filing this complaint under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ) regarding an unauthorized electronic fund transfer that Wells Fargo refuses to correct. On XXXXXXXX/2026, a fraudulent third-party transaction posted to my account : BETTERMENT TRANSFER XXXX XXXX Amount : {$9200.00} Name attached : XXXX XXXX I did NOT authorize this transaction, do not know this person, and have never had any account or relationship with Betterment or any third party connected to this transfer. This is a clear unauthorized electronic fund transfer. I reported this within the required XXXX timeframe. Despite this, Wells Fargo denied my claim without conducting a proper investigation and refused to provide provisional credit. Wells Fargo is in violation of federal law by : Failing to conduct a reasonable and good-faith investigation Failing to provide provisional credit within 10 business days Wrongfully determining a fraudulent transaction as authorized Failing to provide any evidence of authorization ( no IP logs, no device verification, no signed consent ) This is a direct violation of Regulation XXXX error resolution procedures. This was not a simple dispute this was a third-party unauthorized transfer involving a financial platform ( Betterment ), which raises serious concerns about : Unauthorized account linking Third-party access without consent Possible identity theft or system breach Wells Fargos failure to investigate properly exposes consumers to ongoing financial harm.

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 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX Credit card ending in XXXX Capital one Missing refund request for investigation I am writing to formally file a complaint regarding missing refunds that have not been On XX/XX/XXXX, I made a purchase from XXXX totaling {$290.00}. After receiving some of the items, I returned two products valued at {$21.00} and {$25.00}. The merchant confirmed that the returned items were received and accepted. They later stated that refunds were issued on XX/XX/XXXX. However, I have not received these funds. I contacted my bank and was informed that no refunds have been posted to my account since XX/XX/XXXX. I also requested that the merchant provide an ARN ( Acquirer Reference Number ) or proof of the transaction, but they refused and only repeated that the refund was issued. When I requested assistance from my bank, they declined to investigate, stating that a previous dispute related to the same order had already been closed. However, these returned items were not part of that previous dispute and represent a separate issue. I am requesting that a new investigation be opened and that my account be credited for the missing refunds totaling {$46.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I submitted XXXX ( XXXX ) received by USAA bank in XXXX XXXX, XXXXon XXXX XXXX yet the funds are missing from my account.ive called each day since Friday, XXXX XXXX yet each individual at USAA has no idea where my money is.please compel usaa to fax printout of all transactions.i have tracking number of funds arrival to USAA bank.

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 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: IL

Complaint narrative:
I financed an automotive repair through Koalafi with a merchant ( XXXX XXXX XXXX XXXX ). The repair was unsuccessful, and I requested a full refund for the service. At the time I first raised the issue, I requested either a full refund or for payments to be paused while the situation was reviewed. I was told the account would be placed on hold ; however, despite this, a payment still processed the next day. Because of this, I had to contact my bank to stop further withdrawals and reverse the payment, which resulted in a {$30.00} fee ergo I did not get back all of the funds I lost that day. I continued attempting to resolve the issue between the merchant and Koalafi by repeatedly contacting both Koalafi and XXXX customer service. When I was unable to call, my mother ( whose name is also associated with the vehicle ) assisted in contacting XXXX directly on my behalf. Her interactions with the merchant were often rude and unprofessional. Additionally, Koalafi instructed me to return the defective part to the merchant ( XXXX XXXX XXXX XXXX ) in order to proceed with lease cancellation, which ultimately did not occur as communicated. Despite repeated efforts, all attempts to resolve the issue were unsuccessful because each party directed me to the other for responsibility. XXXX instructed me to contact Koalafi, while Koalafi instructed me to resolve the issue with XXXX. This back-and-forth occurred multiple times and resulted in no clear timeline for resolution. For a significant portion of the process, I was told that a manager would contact me, but this never occurred despite being promised at least twice. Only after I issued formal letters before action did I receive contact from a Koalafi case manager. Prior to this, I was dealing only with general customer service representatives. On the date of final resolution, Koalafi applied a credit to the account in the amount of {$470.00}, which brought the account balance to zero and resulted in the account being closed. The final calculation resulted in a small refund of approximately {$160.00}. While the account is now closed, I still incurred financial harm during and as a result of the dispute process, including : A payment processing after I was told the account would be placed on hold A {$30.00} bank fee to reverse and stop further withdrawals The loss of {$620.00} tied to the financing arrangement during the dispute period Time, repeated effort, and escalation required to obtain any resolution The handling of this situation involved inconsistent communication, repeated deflection between parties, and lack of timely escalation or management review until formal action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I was on an approved forbearance plan that remained active through XX/XX/year>. Prior to entering forbearance, my account was current. I was not provided with clear, timely, and actionable communication that allowed me to select a post-forbearance option before the plan expired. The forbearance letter states that PennyMac would contact me prior to the end of the plan to discuss available options. I did not receive communication in a manner that provided a meaningful opportunity to act before delinquency was reported. I did not receive effective notice that immediate action was required to avoid delinquency. Immediately after XX/XX/year>, my account was reported as delinquent without a reasonable transition period or a properly managed loss mitigation process. Upon becoming aware of the issue, I immediately contacted the company and offered to bring the loan fully current, including all past due amounts and the current payment. This offer was not accommodated in a way that would prevent or correct negative credit reporting. The company has since offered a deferral option, which I am willing to accept. However, this option was not effectively presented prior to the delinquency being reported. This loan is owned by XXXX XXXX, and I do not believe the transition out of forbearance was handled in accordance with XXXX XXXX servicing expectations for borrower protection and post-forbearance transitions. I am requesting correction or removal of the delinquency reporting and a full review of how my account was handled during the transition out of forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This complaint concerns the inaccurate and incomplete reporting of a collection account by Debt Recovery Solutions associated with XXXX XXXX. The account is currently being reported as assigned to collections on XX/XX/XXXX, with a balance of approximately {$1200.00}. However, the underlying account originated in XXXX. The current reporting creates the appearance of recent collection activity, which does not accurately reflect the true timeline of the account. The tradeline does not clearly disclose the Date of First Delinquency ( DOFD ), and there is insufficient information to establish the full delinquency progression, including when the account first became delinquent, when it was charged off, and how it transitioned to collections. I have requested validation of this account, including the Date of First Delinquency, complete payment history, and documentation establishing the chain of assignment and authority to collect. I also requested clarification regarding how the reported dates were determined. To date, this information has not been provided. Because the account is being reported with a XXXX collection assignment without clearly establishing the original delinquency timeline, the reporting may be misleading and may be adversely impacting my credit profile by creating the appearance of recent derogatory activity. The reporting of this account raises concerns under multiple provisions of the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to assure maximum possible accuracy. Under 15 U.S.C. 1681i ( a ), disputed information must be reasonably investigated and verified. Additionally, 15 U.S.C. 1681c ( c ) requires accurate reporting of the Date of First Delinquency, which determines the permissible reporting period and can not be altered by reassignment or transfer of the account. To the extent that the furnisher has provided or continues to provide information, 15 U.S.C. 1681s-2 ( a ) and ( b ) require that such information be accurate and that a reasonable investigation be conducted upon dispute. The current reporting does not clearly establish these required elements and therefore may not meet the statutory standard for accuracy and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MI

Complaint narrative:
I am filing a complaint regarding incorrect Income-Driven Repayment ( IDR ) billing, loan servicing errors, and resulting Public Service Loan Forgiveness ( PSLF ) credit issues involving my federal student loans serviced by XXXX and Edfinancial. After completing my IDR recertification in XX/XX/XXXX, my expected monthly payment was approximately {$220.00} total across all federal loans. However, both XXXX and Edfinancial began billing me {$220.00} each, rather than properly allocating the approved payment amount across servicers. This resulted in an unintended increase in my monthly payment obligation and indicates that my IDR plan was not correctly implemented. Additionally, I was later informed that certain periods of my loans were placed into forbearance status. I did not request or authorize this forbearance. During this time, I continued making payments to both servicers, and my accounts consistently showed posted due dates and active repayment obligations. Timeline : XX/XX/XXXX : Began making regular payments to XXXX-serviced loans XX/XX/XXXX XX/XX/XXXX : Continued making payments to Edfinancial-serviced loans XX/XX/XXXX : Completed IDR recertification After recertification : Both servicers began billing {$220.00} each instead of a single {$220.00} total Subsequently learned that some months were classified as forbearance and did not count toward PSLF qualifying payments These discrepancies have resulted in incorrect billing and loss of expected PSLF qualifying payment credit despite continued repayment activity and employment certification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Roger Van Wert
State: NC

Complaint narrative:
XX/XX/XXXX around XXXX XXXX I went to make a purchase using my debit card and XXXX XXXX located on XXXX XXXX XXXX. near XXXX XXXX XXXX is where this encounter occurred. I asked why is there a charge and it just said that it is a fee for purchases under five dollars and theres no other explanation or reasoning for this Fee.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : XXXX XXXX XXXX. Cc : State Senate. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I used a XXXX bank balance transfer card to transfer the balance of my target card and other cards. XXXX bank sent my payment to TD bank USA who does accept target card payments, but TD Bank applied the money to another persons account with the same name as me. XXXX Bank refuses to provide me with the information that they supposedly provided to TD Bank USA to make sure that my money was going to the right account. Target insisted that I never made my payment and they sent my account to collections and told me that I need to take it up with XXXX Bank if I needed help locating my money. XXXX Bank told me I needed to take it up with TD Bank USA to find my money. Now, almost 2 years later, I am in touch with TD Bank USA, who is in touch with target card services, trying to locate my money which was deposited into some other persons account. I still have a collection, when I originally had great credit, and now my life and mental health is affected because my credit is damaged, I have money that I owe, even though I made EVERY intention of paying it off and previously never missed payments, and Im still paying XXXX bank for the balance transfer even though I never received the money that was put in the wrong account. I believe this is both the fault of TD bank and XXXX Bank, but that target should also be held accountable because they refused to work with me even though I gave them proof that I was trying to resolve this and did in fact make a payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I am a long-standing Bank of America customer of over 10 years and a former employee of the bank for 6 years. I have consistently maintained my account in good standing with a strong history of on-time payments. I was charged late fees on my credit card account in XXXX and XXXX of 2026 which were an exception due to a medical and financial hardship I was dealing with and not reflective of my usual payment behavior. I have since paid off the balance in full and set up automatic payments to prevent any recurrence. I have contacted Bank of America customer service multiple times requesting a one-time goodwill adjustment of these fees, but my requests have been denied without adequate consideration of my long-standing relationship and history. Given my loyalty, prior employment, and corrective actions taken, I am requesting a reasonable resolution in the form of a one-time reversal of the late fees. I am seeking fair treatment and a review of this matter by an appropriate escalation team. XX/XX/year> XXXX fee : {$24.00} XX/XX/year> XXXX fee : {$39.00}

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 monetary relief