vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Momnt Technologies, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a loan issued on XX/XX/year>, to finance a roofing installation that was sold with a 30-year warranty. The roof is now actively leaking during normal rainfall and is causing interior water intrusion into a room of my home. This is a material defect less than two years after installation. The contractor has failed to respond to repeated attempts to request warranty repair and is not honoring the promised warranty. I previously contacted Momnt to dispute the loan due to the defective work and breach of warranty. Momnt closed my dispute, stating that this was a merchant warranty issue, and continues to require payment on the loan. Under the FTC Holder Rule, a lender who finances a transaction is subject to claims and defenses that the consumer could assert against the seller. Because the roof installation is defective and the contractor is unreachable, the debt is formally disputed. I am requesting that : The account be placed in formal dispute status Collection activity and negative credit reporting be suspended A full investigation be reopened The lender work toward resolution of the defective roofing work Appropriate loan adjustment or cancellation if the warranty can not be honored The roof is less than two years old and is failing under normal weather conditions. I am seeking a fair resolution consistent with consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have XXXX XXXX account ending in XXXX and Money market account ending in XXXX qualified for bonuses for {$350.00} each. According to me - I already qualified for the bonus. But it seems that XXXX is not very clear in terms of when i am going to get this {$350.00} bonus in each account. When i asked them- not getting very clear answer.

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 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I sent multiple complaints in regards to Sofi mortgage through the CFPB. I received an email from CFPB stating that the most recent complaint was the same as a previous complaint. This is further from the truth complaint XXXX is in regard to the mortgage company claiming processed payments to be NSF. While complaint XXXX is in regard to forced placed homeowners insurance. I notice CFPB closes out complaints even when SoFi mortgage responses are unverifiable, contradictory, incorrect, and do not answer the complaint. Supporting documentation is sent with my complaints. It seems the CFPB only forwards complaints and do not verify the answers credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Since at least XX/XX/year>, multiple withdrawals labeled Capital One Mobile Payment were debited from my bank account without authorization. My spouse and I make payments manually by phone and do not use the Capital One mobile app for payments. Despite numerous withdrawals occurring throughout each month, these payments did not reduce the balance on our Capital One credit card. Capital One is currently investigating, however these appear to be unauthorized electronic fund transfers under Regulation E. I am requesting documentation showing authorization for any bank account linkage and identification of the Capital One account ( s ) that received these funds. These withdrawals caused financial hardship requiring transfers from personal and business savings to cover expenses. I am requesting full reimbursement of all unauthorized transfers, associated fees, and interest resulting from these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Freedom Group, LLC
State: CA

Complaint narrative:
I was enrolled with DebtBlue, since XXXX paid fees including legal protection, {$680.00} a month. they failed to defend me when XXXX sued me. Debtblue Never contacted XXXX, Never negotiated Ignored the lawsuit and my wages were garnished. They garnished {$420.00} from my check. my next step was to file bankruptcy since i didnt have all the money to pay XXXX the full amount {$6000.00} .. Debtblue really screwed me over .. all i want is my money i paid for a service that ruin my credit. i was up to date with all of my payments until i joined debtblue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: KY

Complaint narrative:
First of all I was XXXX into thinking that I was going to be receiving XXXX money that I didnt have to pay back but come to find out I was set up for student loans in which I was very clear I didnt want because I couldnt afford to pay back the loan.XXXXmos into my courses they came to me and asked me could I start paying my on way so I had to drop my courses. A few months later the school goes under and I started getting bills from Nelnet saying I owe close to XXXX dollars in student loan debt and Ive never given them a XXXXt because I dont believe I have to because the loan was under false pretense and thats where Im at with this and because of this I have not been receiving no income tax money and it has just been a cloud over my life I would some day like to retire with my mind at peace

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one card account opened in my name without my consent or me applying for it. This card was opening on XX/XX/year> and closed by lender in XXXX of XXXX. I have no knowledge of this account nor ever applied for this account. It needs to be removed in its entirety from my personal credit report on all XXXX personal credit bureaus. With this not being opened by me, the lender, capital one, needs to remove this fraudulent account from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX ] Account Number : [ 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 2026-03-02 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:
Summary : At XXXX XXXX today, I received an unauthorized phone call from XXXX [ last name unknown ] at Wells Fargo, despite my explicit written demand for no phone contact due to an active XXXX investigation. During this call, she closed XXXX open CFPB complaints that she acknowledged were still active. I did not authorize closure. Wells Fargo has still produced XXXX evidence regarding my missing {$17000.00} ATM deposit, despite an active search warrant and direct contact from law enforcement. -- - Core Issues XXXX. Unauthorized phone contact during an XXXX criminal investigation I have repeatedly instructed Wells Fargo to communicate in writing only. There is an open search warrant issued XX/XX/XXXX, and all communication must be documented. Despite this, XXXX called me at XXXX XXXX today. XXXX. Premature and improper closure of XXXX active CFPB complaints During the unauthorized call, XXXX acknowledged the XXXX open complaints and then closed both immediately afterward. I was not given : an opportunity to rebut, an opportunity to submit evidence, or any explanation for closure. This is a pattern Wells Fargo has used to avoid written accountability. XXXX. Failure to comply with a valid search warrant Wells Fargo has failed to produce any of the evidence required by the warrant, including : ATM footage, electronic journals, cash logs, reconciliation reports, machine ID trace data, or any documentation showing what happened to my {$17000.00} deposit. XXXX. Contradictory and implausible statements about ATM traceability Wells Fargo XXXX have repeatedly claimed they can not find my ATM deposit unless I provide a full name or account number. ATM deposits are electronically traceable by : timestamp, machine ID, sequence number, cash intake logs, and internal balancing reports. Wells Fargo has produced none of this. XXXX. Law enforcement involvement ignored XXXX XXXX contacted Wells Fargo today regarding : the premature closures, the false claim that the ATM deposit can not be located, and the banks continued failure to produce evidence. Wells Fargo has still provided nothing.

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 2026-03-02 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am submitting this complaint regarding an account that is being reported and /or collected under my name that does not belong to me. I have never opened, authorized, or benefited from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
I honestly didnt get any student loans so i dont know where they came from i just eant this fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
I am submitting this complaint regarding an account that is being reported and /or collected under my name that does not belong to me. I have never opened, authorized, or benefited from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am submitting this complaint regarding an account that is being reported and/or collected under my name that does not belong to me. I have never opened authorized or benefited from this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: OH

Complaint narrative:
My Usbank checking account got restricted on or around XX/XX/2025 after depositing my retirement hardship withdrawals check of {$10000.00}, I was later on told my Checking account is been pending closure and therefore theyre going to conduct an internal review on the account before they could send me a check of my good funds since theyre going to close the account, After several attempts to retrieve my funds, I was only mailed {$5.00} check which sounds ridiculous, and I think thats an irregular and irresponsible way to treat a customer because theyre keeping my money for over 3months, kindly help retrieve my funds

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: LA

Complaint narrative:
Validation of Debt Request - SEQUIUM - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am a 100 % XXXX XXXX XXXX veteran disputing a medical collection for Account # XXXX ( {$580.00} ). This was a VA-authorized emergency visit to XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Under the VA MISSION Act ( 38 U.S.C. 1703 ), I am legally 'held harmless ' for this debt. United Revenue 's own validation notice admits the provider incorrectly billed XXXX XXXX instead of the XXXX , resulting in a denial for 'No Coverage Found '. Because the provider failed to bill the correct entity ( the VA ) within the 180-day legal window, they have forfeited their right to collect this balance from anyone, including me. I have already provided the agency with VA Tracking # XXXX, which confirms my {$0.00} responsibility. Despite this, United Revenues Director of Compliance, XXXX XXXX, sent a letter dated XX/XX/XXXX, explicitly refusing to remove the inaccurate reporting. This is a willful violation of the Fair Credit Reporting Act ( FCRA ) and the MISSION Act. I am requesting that the CFPB compel this agency to delete the collection immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Validation of Debt Request - TRANSWORLD SYSTEM INC/ - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: MD

Complaint narrative:
Validation of Debt Request - XXXX XXXX SERV - XXXXXXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Validation of Debt Request - I C SYSTEM/XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I had {$24000.00} in funds fraudulently wired out of my account at Wells Fargo. I did not receive any phone calls, emails, or other communications from anybody impersonating Wells Fargo. I have no viruses or malware on my computer according to my antivirus/malware software, and my password is a long random string of unguessable letters/numbers. Someone was able to add themselves as a wire recipient on my account and wire money to their XXXX XXXX XXXX account. I am extremely disturbed by Wells Fargo 's response. Even though I have no culpability ( didn't fall for any scams or fishy communications ) and reported the fraud within about two hours, they can not return my money to me. I can not imagine any American can withstand being robbed of such a huge amount of money from their checking account. I could understand needing to take time to investigate wire fraud if the victim actually initiated the wire, but I had no hand in this whatsoever. Wells Fargo failed to protect me and I want justice for myself as much as I want to prevent this from happening to someone else.

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 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
I requested the associated tradeline with the company to be deleted due to a result of my identity being stolen. The company performed an investigation and confirmed my claim of identity theft and sent documentation detailing the investigation results and subsequent deletion of the tradeline. It has now been two months and the tradeline has yet to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
After receiving notification of fraudulent activity on the dark web from my credit card company XXXX XXXX XXXX XXXX XXXX on a XXXX Credit Report Dated XX/XX/XXXX ( also reported to XXXX XX/XX/XXXX ) that a XXXX XXXX credit card had been issued using my SSN with an address shown in XXXX, Oregon I sent a letter by Certified Mail directly to XXXX XXXX XXXX XXXX, XXXX XXXX, SD advising them of same. NO response was received from XXXX XXXX, XXXX XXXX and follow up letters were sent again by Certified Mail on XX/XX/XXXX and XX/XX/XXXX. No response from XXXX XXXX XXXX XXXX. As my credit score is very good I did not persue XXXX XXXX XXXX XXXX and to my detriment I received a letter mid XX/XX/XXXX from MCM ( Midland Credit Management ), XXXX, MI advising XXXX XXXX had transfered the debt to MCM requesting that I pay {$440.00} in settlement of the debt. I requested copies of previous statements from XXXX XXXX and these statements were addressed to the fraudulent party in XXXX, Oregon. I responded back to MCM by Certified Mail today that I refuse to pay and provided them copies of the XXXX XXXX notifications mentioning the fraudulent activity associated with the XXXX, Oregon address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
We grabbed a new car for our daughter. She liked a small XXXX XXXX car. The problem is that in the agency they gave us a price of XXXX when I went to make the first payment. Ally Financial is not charging more than XXXX dollars, that I get too much money for that type of vehicle. At the agency they never told us that that would be the total amount. They didn't even give us a document with that charge. Now we want to return it to the company but they want to sell us a new one, and they only offer us XXXX XXXX dollars for it and we have to cover the other XXXX XXXX. If we want to return it and we don't have that money, please help.

Company response to consumer: Closed with explanation