vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am filing this formal complaint against Wells Fargo regarding a systemic security failure and egregious service negligence that occurred between XX/XX/XXXX and XXXX XXXX. Timeline of Security FailuresOn Wednesday, XX/XX/XXXX, Wells Fargo identified fraudulent charges from " XXXX '' on my account. I immediately confirmed the fraud, and the bank canceled my card. A replacement card was overnighted and activated on XXXX XXXXWithin four hours of activation, while the new card was in my physical possession and had never been used, the same merchant ( XXXX ) successfully processed another fraudulent transaction. This indicates that Wells Fargo 's internal systemslikely the XXXX Account XXXX ( XXXX ) servicenegligently shared my new, unexposed card data with a known fraudster. 2. Documented Service Incompetence : Upon reporting the second breach on XX/XX/XXXX, I was escalated through three levels of support over the course of 62min. Level 2 and " Fraud Specialist '' agents were unable to explain how a brand-new card was compromised instantly. Furthermore, they failed to match the " next-day '' shipping provided previously. As of today, XX/XX/XXXX, I have still not received my second replacement card despite repeated automated assurances. 3. Quantifiable Financial DamagesL As a professional with a billable rate of {$200.00} per hour, the banks negligence has caused direct economic harm : Professional Time Loss : I have spent three hours ( {$600.00} value ) attempting to resolve errors caused solely by the bank 's inability to secure my account. Loss of Benefit : This " Active Cash '' account provides a market-leading 2 % cash back rate. The banks failure to provide a secure card denies me approximately {$200.00} per month in earned rewards. XXXXdministrative Burden : Updating dozens of automated payment systems twice in one week is a significant labor burden resulting directly from the bank 's security lapse.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
signed up for a streaming service subscription through a link on XXXX. The subscription was never activated or confirmed, but I was immediately charged. The company then continued to charge my account twice weekly at {$19.00} per charge, resulting in approximately {$650.00} in unauthorized charges over time. I attempted to cancel and contact the company on multiple occasions. Their website provides no phone number or email address the only available contact method is a web submission form. I submitted multiple requests through this form. The form displays a received confirmation on screen, but no confirmation email is ever sent. I have screenshots documenting my submission attempts. The company has never responded to any of my requests. I filed a dispute with my bank. The bank initially ruled in my favor and issued a provisional credit. However, the bank has since reversed that decision and reclaimed approximately {$650.00} from my account, stating that I could not provide sufficient proof of my attempts to contact the merchant. The proof I was unable to provide does not exist the merchants contact system does not generate email confirmations or any written record of contact on the consumers end. The merchant continues to charge my account to this date despite my attempts to cancel. I am requesting that the CFPB investigate this matter. The merchants inaccessible contact structure makes it effectively impossible for consumers to cancel or dispute charges, which I believe is an unfair and deceptive practice. I am also asking for assistance in recovering the approximately {$650.00} that was withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: U.S. BANCORP
State: TX

Complaint narrative:
I went to great lengths borrowing money so that I could make my mortgage payment and not be assessed a 30 day late payment. I made the payment for my XXXX mortgage XX/XX/year>. At this time the payment was 29 days past due. I went online the evening of XX/XX/year> to make the payment. There are several prompts just to submit a payment. I remember the final information stating I couldn't make more than 2 payments in a day. However, I've seen this message before and have never had an issue with my payment. I kept waiting for the funds to clear my account. When it did not clear after the weekend ( now Tuesday XXXX ) I went back into my US Bank account to check and now see the payment is 34 days past due. I called into XXXX and spoke with XXXX. He said he showed nothing on his end of my payment. I know for a FACT I made this payment. I know this is some sort of technical issue. I made the payment again to make sure the issue was resolved, however the damage was already done and making the payment doesn't help my issue. I asked him to provide me with information to have the matter investigated by IT or the back office... anyone. He gave me an email address. I emailed XXXX, as instructed and received a undeliverable message. I called back and got XXXX. The moment I asked for a manager, the call was completely silent. Then coincidently the line dropped. I called back and spoke with XXXX. I immediately asked for a manager. She wanted to know why she couldn't help. I instructed her that I already knew she could not be of any assistance as this is an issue that is for someone in a leadership role to review. She told me she was getting a supervisor, then XXXX came on the line. When I asked XXXX if she was a manager, she said she was not and was in the XXXX XXXX Department. I asked for a manager of that department. She said she was unable to provide me with a manager without knowing my issue. I told her I had an issue with my payment made online. She then tells me that I need to speak to Online Banking. I asked for the number. She provided ( XXXX ) and transferred me. I then spoke to XXXX who told me that I was sent to the wrong department and I needed to speak to someone in mortgage. Then transferred right back to where I started. Since it clearly takes an act of Congress to speak to a manager or someone from the XXXX team, I'll cut out all the middlemen and come straight to the CFPB so that perhaps I can actually deal with a human who has the authority to handle a situation like this, besides just wanting to take payments. I have a complaint. I know there is a technical issue with my payment not being accepted and processed to avoid a late payment to my account. I need this to be researched and resolved.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Summary of the Issue : I am a XXXX XXXX cardholder. Following the dissolution of the partnership between XXXX and Wells Fargo, a payment I made to XXXX was not properly transmitted to Wells Fargo. As a result, Wells Fargo is reporting my account as having an unpaid balance, which is inaccurate and is negatively impacting my credit score. Sequence of Events : I made a payment to XXXX for my statement balance on XX/XX/XXXX. XXXX did not forward that payment to Wells Fargo. Wells Fargo subsequently marked my account as past due despite my having paid. I submitted proof of payment to Wells Fargo via fax. Wells Fargo has not acknowledged my documentation, has not corrected the error, and continues to report the account negatively to credit bureaus.

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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received a phone call from ( XXXX ) XXXX, which appeared to be associated with Chase Bank. When I answered the call, it immediately disconnected without any explanation, message, or follow-up. This incident raised serious concerns about the legitimacy of the call and the security of my account, as it resembled known spoofing or phishing behavior. I did not provide any personal or financial information during this interaction. Following the call, I took precautionary action by attempting to verify the legitimacy of the number and reviewing my account activity for any unauthorized transactions. I am reporting this incident due to concerns about potential fraud, unauthorized contact attempts, and the lack of clear communication from the company. In addition, I have experienced ongoing issues related to account service and associated fees, which, combined with this incident, have caused a loss of confidence in the reliability and security of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: VA

Complaint narrative:
On or around XX/XX/XXXX, I was contacted by a scammer who deceived me into purchasing XXXX gift cards totaling {$2400.00} using my debit card. The scammer obtained the gift card redemption codes and immediately disappeared. Upon realizing I had been defrauded, I took the following steps to report and recover my losses : Reported the fraud to Cash App Cash App denied {$700.00} of my claim, my account was credited {$1700.00} on XX/XX/year>. The fraud was reported to XXXX on XX/XX/year>. XXXX requested the gift card codes twice ; I submitted them both times and am still awaiting resolution. I disputed these transactions with CashApp on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
I am filing a complaint regarding two unauthorized loans opened under my name through Affirm. On around XX/XX/XXXX, two loans were issued in the amounts of {$210.00} and {$750.00}. I only became aware of this when I checked my XXXX credit report and noticed these two unfamiliar accounts only displaying on the XXXX credit report and not XXXX or XXXX on around XX/XX/XXXX. Upon contacting the phone associated on these accounts listed on the XXXX report, it connected to a XXXX XXXX line but no actual representative. Upon discovery, I took immediate action and working with All state Identity Theft protection program that I pay for through my employment specifically to assist me with helping me with this case, and contacted Affirm to report these transactions as fradulent. I filed a police report, and also got it notarized and provided a notarized FTC as they requested. Despite this, Affirm denied my dispute, stating that these transactions were valid based on " usage patterns '' including IP address, device information, allegedly matching prior activity. Mind you, when I initially called them they didn't even have my personal email or phone number on file. XXXX identity theft representative can confirm this information as well. I strongly dispute this conclusion. Matching IP address or device data does not prove that I authorized these transactions, especially in a case of identity theft, compromised accounts, or unauthorized access. I am requesting Affirm to : Conduct a proper and thorough fraud investigation Remove all fraudulent charges and associated balances Ensure no negative reporting is made to any credit reporting related to these accounts At this time I am being held responsible for loans that I did not authorize, which is both inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2026-05-05 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: Rosebud Economic Development Corporation
State: GA

Complaint narrative:
I applied for a personal loan on the XXXX XXXX XXXX XXXX.I applied online for {$600.00} and everything was completed online, all my personal information regarding address, employment, bank etctera .On its completion within few minutes I was approved.They said I was qualified for a loan up to {$1800.00} but I only wanted to borrow {$600.00}, however they never disclosed whatsoever would be the interest rate and finance charges.They were never transparent about the exorbitant interest rate of 735.61 % and the finance charges on a {$600.00} loan for {$2800.00} and total payments expected for $ XXXXThe funds were deposited to my XXXX XXXX bank by ACH on Monday morning and I paid a bill from that account.When I called them up the after logging in with account information I was totally surprised and shocked at the terms of the loan when I read it.The terms also included a payment schedule laid out beginning XXXX and amount to be paid of {$170.00} every 2 weeks, that coincide with my pay checks for 20 installments.This would run into XXXX.Needless to say I called them up right away and told them a few choice words and told them nobody in their right mind would agree to those terms

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 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified debt reporting. I contacted Sunrise Credit Services to request validation of an account they are reporting under my name. Despite providing identifying information, the company has not been able to properly validate the account or provide documentation proving the debt is accurate and belongs to me. Instead of providing validation, Sunrise Credit Services has repeatedly requested additional information from me, without first verifying or substantiating the debt they are reporting. Additionally, XXXX XXXX XXXX informed me at the time of my final bill review that no balance was due on the account. Based on that information, I understood the account to be settled with no outstanding amount owed. As of today, Sunrise Credit Services has not provided proper validation or supporting documentation, yet the account continues to be reported on my credit file. I am requesting that this matter be fully investigated and that any unverified, inaccurate, or unvalidated account be removed from 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 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
The alleged debt has not been properly validated, and southwest credit systems lp has not demonstrated that the debt is legally enforceable. Threatening legal action that can not legally be taken, or that the debt collector does not have the authority to take, is deceptive and misleading and violates the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e. Additionally, southwest credit systems lp is reporting this account to consumer reporting agencies while simultaneously threatening legal action without substantiating the debt, which compounds the misleading nature of their conduct. Furthermore, southwest credit Systems lp is reporting this account as the original creditor, when in fact they are a debt collector. This is inaccurate and misleading, and it violates both the FDCPA and FCRA by misrepresenting the source and status of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2026-05-05 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: SC

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 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2026-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I never was aware of this loan or used this loan. I attempted to dispute it with the credit bureau, but nothing happened. I never used nelnet for school.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I was actively working with Shellpoint mortgage servicing for weeks trying to obtain a loan modification .. My wife and I submitted every document and letter of explanation requested .. My point of contact XXXX XXXX stated my file was complete and everything was good .. I requested that she contact whoever controls the auction to have to sale XXXX postponed by I had a feeling underwriting come up with something last minute ... The day before the auction she said everything was good again application still pending .. It also showed pending throughout day on the portal and when I called the automated system that day ... I spoke with her several times this day ... I called and was transferred to another agent who advised underwriting was requesting additional documents last minute .. This was later that evening this agent also advised that this request was sent to my point of contact XXXX at XXXX she said nothing to me about it ... If she had I would of had time to submit the documents needed .. I feel she intentionally and willfully violated my rights as a homeowner .. I spoke with her supervisor XXXX XXXX who agreed and said he try to stop the sale he was unsuccessful. Newrez dba Shellpoint mortgage servicing, XXXX XXXX and the underwriting department willfully withheld information to conduct a illegal foreclosure sale of my home XXXX. They participated in dual tracking and violated RESPA guidelines willfully.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I wrote a check to XXXX that was stolen from USPS and washed to make payee XXXX XXXX. This check was deposited in a XXXX XXXX XXXX account and subsequently cleared through PNC Bank on XX/XX/XXXX. XXXX statement revealed non-receipt of payment on XX/XX/XXXX. I reported the fraud to PNC on XX/XX/XXXX and subsequently filed reports to USPS and XXXX XXXX, XXXX Sheriffs office. I also filed a formal investigation request to PNC. I have repeatedly asked for a provisional credit for the fraudulent funds but have been told that investigation will take up to 120 days.

Company response to consumer: Closed with monetary relief