vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: IL

Complaint narrative:
XXXX i attended XXXX XXXX and a loan was taken out. XXXX i consolidated the loans and in XXXX defaulted. In 2016 my taxes were garnished. XXXX XXXX officially closed XXXX 2016. Mean while my taxes were illegally garnished. Then after is when i was informed of XXXX XXXX deceptives practices XXXX2021 was informed by department of ed that all loans associated with XXXX college would be XXXX under borrowers defense and any money paid would be refunded

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am unable to access my account with Experian due to a system error stating that my request can not be processed. I submitted identity verification documents over two weeks ago, but my account remains locked with no update. This is preventing me from accessing my credit report, placing a security freeze, and disputing fraudulent activity. I believe I am a victim of identity theft. As a result, my credit score continues to drop because fraudulent accounts and information are not being removed, and I am unable to take action due to lack of access. It also appears that someone may have created or is controlling an Experian account using my identity, which is preventing me from accessing my own account. I have attempted to resolve this issue but have not received any response or resolution.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Certified mail sent XXXX in which I advised the debt collector that they were unlawfully attempting to collect debt and has damaged my credit rating with all bureaus alleging that I owe a debt. I asked for proof of debt which I was never provided. In their response to my complaint ( XXXX ) they stated that they made multiple attempts to reach me regarding the debt however no proof of debt validation has been provided to date. As such, the information must be immediately deleted from my credit report with all ( 3 ) bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am formally disputing a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. This alleged debt is unverified and does not belong to me. I have also been subjected to repeated and aggressive collection attempts through multiple channels, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant stress and disruption.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: FL

Complaint narrative:
I recently had a plan with XXXX XXXX XXXX, the results were not as they promised during the process I contacted them and they said that they can no linger help me with my service. I then decided not to proceed because of their lack of service.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/year>, I was the victim of a wire fraud incident involving my checking account at Wells Fargo. I was induced to initiate a wire transfer in the amount of {$1400.00} under false pretenses as part of a scam. The transfer was sent from my Wells Fargo account to another Wells Fargo account, meaning this was an internal transfer within the same institution. I reported the fraud to Wells Fargo less than XXXX hours after the transaction occurred and fully cooperated with their investigation. Despite this prompt notification, Wells Fargo denied my claim. Their denial states that the transfer was authorized and that they are unable to reimburse me because the funds could not be recovered from the receiving account. This explanation is insufficient. The inability to recover funds does not address whether Wells Fargo took timely and appropriate action once notified, particularly given that both the sending and receiving accounts are within Wells Fargo. This raises questions as to what internal controls, monitoring, or intervention measures were applied, and why the receiving account could not be identified, restricted, or reviewed in time to prevent further loss. I also requested details regarding their investigation, the basis for determining the transaction was authorized despite being induced by fraud, and what recovery efforts were taken. I have not received a meaningful response. I am requesting a full explanation of Wells Fargos investigation, including how this transaction was evaluated, what actions were taken after I reported the fraud, what safeguards exist for internal transfers of this nature, and why this transaction is being treated as authorized. I also request reconsideration of reimbursement given the circumstances and the immediacy of my 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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX. I am a licensed Maryland XXXX XXXX XXXX. I have a XXXX flawless credit history. I am filing this complaint because Bank of America , N.A . is reporting a 30-day delinquency for two accounts ( ending in XXXX and XXXX ) involving a combined total balance of less than {$10.00} ( {$3.00} and {$6.00} ). These delinquencies were the result of a singular, unintentional oversight involving small recurring digital subscriptions on cards I believed were at a XXXX balance. I have maintained a 100 % on-time payment record for over a decade across all financial obligations. Upon discovering these nominal balances, I immediately paid both in full on XX/XX/year>, and enrolled both accounts in Autopay to ensure this never happens again. I attempted to resolve this through Bank of Americas Executive Relations team ( Case # XXXX ). Despite my XXXX flawless record and the negligible nature of the debt, the bank refused a goodwill adjustment, citing 'public policy. ' An XXXX or more drop for a {$10.00} oversight is a catastrophic and disproportionate penalty that does not accurately represent my creditworthiness or my long-term financial character. As a professional in the real estate industry, I understand the weight of credit reporting and believe this rigid refusal is unreasonable given the circumstances. I am seeking a one-time discretionary deletion of the XX/XX/year>XXXX late reporting for both accounts to restore my profile to its accurate, 100 % on-time standing. ''

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 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
On XXXX Chase XXXX XXXX my business credit card processing and held my funds. When I inquired the hold they said they would release the funds, however, only a small portion of the funds were released. On XX/XX/year> I received an email from Chase stating that the bulk remainder of the funds would be released in 1-3 business days. The bulk remainder of the funds still have not been released and they are not being responsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Nexera Holding LLC
State: AZ

Complaint narrative:
URGENT SUPPLEMENTAL EVIDENCE FOR EXISTING COMPLAINT # XXXX On XX/XX/XXXX, the builder forced my mortgage closing by presenting a Certificate of Occupancy, representing to the lender and title underwriter that the property was legally complete, certified, and compliant with all municipal codes. This was a fraudulent inducement. The builder intentionally bypassed the legally mandatory final lot grading certification required for occupancy. They actively concealed this material defect from the buyers, the lender, and the title company in order to force the loan disbursement and recognize the revenue on their quarterly financials. I am uploading a complete forensic evidence packet that conclusively proves this fraud : 1. The Falsified Timeline : The attached XXXX 'Certificate of Occupancy ' contrasted with the actual XXXX 'Final Grading Certificate. ' 2. The Written Confessions ( Portal Logs & Emails ) : Internal builder communications where management explicitly admits in XX/XX/XXXX that the property needed to be " re-graded and recertified, '' and a XX/XX/XXXX confirmation that the mandatory certification was finally suppliedfive months after taking the mortgage funds. 3. The Physical Evidence : Site photos demonstrating the severe physical damage caused by bypassing the mandatory grading codes. 4. The Intentional Protocol Violations : The attached 'Construction Certificate Management Practices ' documentation, which proves the builder actively violated established industry and legal protocols to force this loan disbursement, completely eliminating any defense of " administrative error. '' This constitutes intentional mortgage closing fraud and the sale of a legally defective title. Note : This mortgage was originated by XXXX XXXX, who funded the loan on an uncertified, legally defective property. XXXX subsequently sold this toxic asset to XXXX, meaning this fraudulent origination has now polluted the secondary mortgage market.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance the problem is this car was repossessed in 2023 and I never received anything for the amount of the sale what date it was sold on and the company from the start committed fraud against me with the loan and the car as soon as I drove off the lot all lights came on no one tried to fix it I call the lender and of course it was electrical and I paid out XXXX of XXXX the car never could get fix the auto shop told me the seller knew this car had this problem but no one tried to correct the problem but the date and amount of the loan reporting is not correct my balance was for the loan XXXX and every month they acting as though I have the car and it isn't sold the amount now XXXX they are not reporting correctly and I haven't been sent anything concerning what it was sold for I filed a dispute with XXXX and they said they investigated and verified so I asked them to please explained the method that was used and they said it is accurate and it is not reporting correctly on my account it's fraud because when you set out knowing that you are reporting incorrect information and refuse to investigate and correct the information that is being reported

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
The merchant updated the plan with out permission saying I selected 24 months and not 12 month but this is word play because the interest is in writing in the contract and they changed all of it I have screenshots. I never asked them to change anything or agreed for any changes. Despite this they said we will reply to an email with your evidence in 5 business days. It seems like they are delaying the process unnecessarily and failing to comply with the contract. I do not recommend affirm. take screen shots of everything they will change everything and you will end up paying 2x interest rate or more the first month!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: HI

Complaint narrative:
My case number is XXXX. It has been repeatedly closed due to me not " providing additional information '' even though i have taken every opportunity to provide my police report and identity theft report. Short of me throwing the thief into Cashapp headquarters, I dont have any other way of showing the charge was unauthorized. My identity was stolen and my device was stolen along with it, as outlined in my police report. XXXX XXXX, my personal saving account was linked to cashapp. This was the first time my cashapp account had been used in over 3 years. I was unaware that I still had a cashapp account. The thief then drained my personal savings account by stealing XXXX dollars from me and transferring it to a card I dont recognize. I have been disputing this ever since I discovered the theft on XXXX XXXX. Cashapp will not take my case seriously and continues to close it against me saying its " in line with my transaction history '' It isnt. Or that " i authorized the transaction '' I didnt. Their support chat is just full of AI platitudes without actually being helpful. The only way to even remotely get help is by calling their number. Its really unhelpful

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I called in to have my address updated and a new card reissued due to an incorrect address enter by myselfI was told my number wasnt on file when I was and need to have a letter sent to verify me. I the received a text to the number I was told wasnt on file so I called in and was verified. The supervisor updated my address and had my replacement card sent out. I received my card yesterday activated it only to get an online alert stating to call to verify due to suspicious fraud. I called was told it was due to my card not being activated so they activated and told me to wait 4 hours. I waited 6+ hours still not removed nor was my card working so I called back in where I was told I needed a 4 digit pin from a letter I never received. Now I am told they can not access my account nor verify me any other way outside a pin I never got in the mail and is refusing to provide any other solutions.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: MA

Complaint narrative:
On XX/XX/year>, I initiated an international transfer of {$12000.00} through Remitly to my account at XXXX XXXX in XXXX XXXX. As of today, the funds have still not been received. I have contacted Remitly multiple times regarding this issue. During prior communications, Remitly stated that the funds had been sent to the recipient bank and were under compliance review. However, I directly contacted my bank in XXXX XXXX, and they confirmed that they have not received the funds and have no record of any pending transaction or review. I have fully complied with all requests from Remitly and provided all required documentation. I also requested that, if the transfer can not be completed, the transaction be canceled and the funds returned to me. Despite this, no resolution has been provided. My most recent contact with Remitly was on XX/XX/year>, where I clearly requested immediate resolution or reversal of the transaction and informed them that I was prepared to escalate the matter. Since that communication, I have not received any response or update, and the issue remains unresolved. I have been in XXXX XXXX since XX/XX/year>, and was relying on these funds during my trip. The prolonged delay, lack of transparency, and failure to either complete or reverse the transaction have caused significant hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: FL

Complaint narrative:
Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX Complaint Against TransUnion Failure to Block Identity Theft Account Under FCRA 605B XXXX XXXX I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which requires credit reporting agencies to block information resulting from identity theft. I have repeatedly notified TransUnion that a fraudulent account appearing on my credit report is the result of identity theft. I submitted an Identity Theft Report through the Federal Trade Commission and provided supporting documentation, including proof of identity and disputes identifying the account as fraudulent. Despite this, TransUnion has continued to report the account as verified after multiple disputes. This response is inappropriate and not compliant with federal law. Under FCRA 605B, once a consumer submits a valid Identity Theft Report and identifies fraudulent information, the credit reporting agency is required to block that information from appearing on the consumers credit file within four business days. TransUnion has failed to : * Properly treat my submission as an identity theft blocking request * Block the fraudulent account as required by law * Conduct a reasonable investigation into my identity theft claim * Prevent the continued reporting of inaccurate information Instead, they have relied on repeated verification from the furnisher without addressing the legal requirement to block identity theft-related information. This ongoing failure has caused harm to my credit standing and has prevented me from resolving the consequences of identity theft. I am requesting that the Consumer Financial Protection Bureau require TransUnion to : 1. Immediately block and permanently remove the fraudulent account from my credit file under FCRA 605B 2. Provide documentation of how this account was verified despite my identity theft report 3. Ensure that this account is not reinserted into my credit file in the future 4. Conduct a proper investigation consistent with identity theft protections under federal law I have attached copies of my FTC Identity Theft Report and prior dispute correspondence as evidence. I expect prompt resolution of this matter and full compliance with federal law.

Company response to consumer: Closed with explanation