vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX I received a text alert from Wells Fargo notifying me of charges on my account. That alert prompted me to check my account, where I discovered multiple unauthorized XXXX XXXX charges. I also noticed that two charges had already been reversed. I immediately contacted Wells Fargo to report the unauthorized transactions. A claim was opened, and I was reassured that the matter would be investigated. I clearly explained that these purchases were not made or authorized by me and that I only became aware of them because of the fraud alert sent by Wells Fargo. The following day, I called to check the status of my claim and asked when I would receive a replacement debit card. To my surprise, the claims specialist informed me that no new card had been ordered. I was very concerned because I believed a replacement card would automatically be issued after reporting unauthorized charges. I again explained that the unauthorized purchases were made through XXXX XXXX. I was instructed to contact the seller directly, which I did. The seller refused to assist me and stated that all sales were final. I then contacted WellsFargo and was instructed to refuse delivery and return the packages to the sender. I followed those instructions, and I have proof that the items were successfully returned and delivered back to the seller. Despite the confirmed return, the seller claimed they never received the items. Throughout this process, I repeatedly had to contact Wells Fargo just to obtain updates on my claim. During one of those calls, a claims specialist changed the reason for my dispute, stating it would improve the chances of approval. I do not believe my claim was accurately documented or handled based on the concerns I originally reported. I was also required to repeatedly submit the same documentation, including my communications with the XXXX seller and the XXXX tracking information confirming that the unauthorized merchandise was returned to the seller. Ultimately, Wells Fargo denied my claim and sided with the seller. As a result, I lost approximately {$350.00}. I no longer have my money, and I never kept the merchandise because it was returned to the seller. The seller has both the returned items and my money, leaving me with nothing. I respectfully request that this matter be thoroughly reinvestigated. I have attached copies of my emails, correspondence, and USPS tracking information confirming the return of the merchandise. Please feel free to contact me if any additional information is needed.

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 2026-07-14 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: MD

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 2026-07-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, there was a ~ {$9.00} charge from XXXX that was made under fraudulent pretenses. On XX/XX/year>, I attempted to file a dispute on this charge. The agent did not file a dispute for me in a reasonable amount of time.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I'm writing to formally request that the collection account mentioned in your most recent email be validated. In accordance with my rights under 15 U.S.C. 1692g ( b ) of the Fair obligation Collection Practices Act ( FDCPA ), I ask that your office furnish comprehensive and verifiable proof attesting to the validity of this obligation. At the very least, this validation has to contain : The original creditor 's complete name and address, A thorough statement of the whole amount owing, including principle, interest, fees, and any additional charges, the original account number, a full payment history and evidence, such as a signed contract or other official papers, proving I am legally required to pay this obligation. You are legally obligated to stop all collection efforts and not report this account to any credit reporting agencies until such validation is received. This inquiry is meant to make sure the data you are reporting is correct, legal, and not the product of fraud, miscommunication, or error.

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 2026-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: MIDFIRST BANK
State: IN

Complaint narrative:
I started communicating with XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX to start an assumption of my mortgage on the property in which I live. XXXX XXXX XXXX, XXXX, Indiana XXXX. Loan number XXXX The reason for doing so is because I was divorced on XX/XX/XXXX of XXXX and the divorce agreement states that I am entitled to the property and I have 180 days ( until XX/XX/XXXX ) to get the mortgage in my name and remove my ex-wife from the property and any claim of the property. XXXX XXXX are continually bottle necking the process by only sending reply by letter which can take up to 9 days, I have been informed this is a known tactic and not legal. The latest letter stated that they need to delay the process by 15 days for further investigation due to ... and then gave no reason, this is for sure illegal and I was prompted to fill in this form immediately and consult the court and presiding judge because under XXXX XXXX and RESPA there is a case for negligence. This is not something I should have to resort to. It is now XX/XX/XXXX so this case is ongoing for 124 days. They allow me to send email and to call, when I call I get no further information, I have not been given a SPOC ( single point of contact ), I have not been given a case or reference number. I am using the email stated by them XXXX They will not communicate with my by email or phone furthering the bottleneck and using it as a delay tactic. If I do not complete the assumption by XX/XX/XXXX I will have to forfeit half the capital in the property which at the moment stands at around {$120000.00} and to do that I would have to sell my home or legally challenge Midfirst under Federal Law to compensate. I have been a loyal customer on this mortgage and have paid every payment on time since XXXX, I have no problem paying for my home and don't foresee me having any problems. This should not be that difficult, they said XXXX days which is still too long and its well over that. Using only XXXX mail to communicate is antiquated and not fair on consumers. They are also now sending letters addressed only to my former spouse at my address, they know she does not live here and has not for over 10 years, these letters should not be sent and I should be informed of what is in those letters and why they are sending them.

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 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
This is a new complaint. It supplements but does not replace my prior CFPB complaint # XXXX ( closed XX/XX/XXXX ). New facts have arisen since that complaint was closed. BACKGROUND : Since XX/XX/XXXX, I have been actively disputing the balance on my Wells Fargo XXXX Visa ( XXXX ). I filed CFPB complaint # XXXX on XX/XX/XXXX. Wells Fargo responded and the complaint was closed, but I marked their response unsatisfactory. The core dispute concerns {$2200.00} in interest charges stemming from two NSF events ( XX/XX/XXXX and XX/XX/XXXX ) for which I received no proactive notification, and ongoing interest that accrued throughout the dispute period. NEW ISSUES SINCE PRIOR COMPLAINT : On XX/XX/XXXX, I submitted a formal written interest waiver request to Wells Fargo 's Executive Complaints Management Office ( ECMO ), offering to pay the full {$16000.00} balance in exchange for a {$2200.00} interest waiver. Wells Fargo 's ECMO representative ( XXXX XXXX XXXX committed verbally to a resolution date of XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX left a voicemail extending the resolution date to XX/XX/XXXX a six-week delay during which interest continued to accrue at approximately XX/XX/XXXXXXXX. No explanation was given for the extension. WHY THIS IS AN UNFAIR AND ABUSIVE PRACTICE : Extending dispute resolution timelines while interest accrues particularly after a consumer has made XXXX consecutive minimum payments and filed a CFPB complaint is an unfair and abusive act under UDAAP. Each week of delay generated approximately {$72.00} in additional interest charges. The pattern of promising resolution dates and then extending them is a tactic that financially benefits Wells Fargo at the consumer 's expense. WHAT I DID : To stop further interest accrual, I paid the full balance of {$16000.00} on XX/XX/XXXX under protest and without prejudice, explicitly reserving all rights to seek a refund. I simultaneously filed a complaint with the OCC ( Office of the Comptroller of the Currency ) and sent written notice to ECMO documenting the broken resolution commitment. RESOLUTION REQUESTED : I request that the CFPB require Wells Fargo to : ( 1 ) confirm the account balance is {$0.00} following my XX/XX/XXXX payment ; and ( 2 ) issue a refund of {$2200.00} representing interest charges assessed during the dispute period ( {$290.00} NSF-related + {$1900.00} dispute-period interest per Wells Fargo 's own XXXX XXXX interest statement ).

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 2026-07-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing the reporting of an auto loan furnished by Regional Acceptance because the information being reported appears to be inaccurate and internally inconsistent. After reviewing my credit report on XX/XX/year>, I found that XXXX section of the report states the account was Settled for less than the full balance and reflects a {$0.00} balance. However, another section of the same credit report lists a {$5700.00} charge-off amount for the account. Additionally, during the insurance claim process, Regional Acceptance delayed providing the documentation required by my insurance company. Their failure to timely process and submit the necessary paperwork significantly delayed the resolution of my claim. As a result, I experienced payment delays that were beyond my control. Throughout this process, I had to repeatedly contact managers and Regional Acceptance representatives to obtain updates and encourage them to complete their responsibilities. The reporting of late payments under these circumstances does not accurately reflect the events that occurred. The reporting should take into account that the delays were caused by Regional XXXX failure to timely provide the required documentation, not by any intentional refusal on my part to resolve the account.

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 2026-07-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: SC

Complaint narrative:
This is an urgent follow-up and escalation regarding a catastrophic closing error on my VA loan . Guild Mortgage previously acknowledged my first complaint regarding their failure to pay my first-year homeowner 's insurance premium from my {$1400.00} closing allocation, which caused my XXXX policy to be canceled for non-payment back on XX/XX/year>. XXXX Mortgage stated they would take up to 30 days to investigate. Meanwhile, instead of pausing automated actions while they investigate their own mistake, Guild Mortgage 's Insurance Service Center in XXXX, Ohio, just issued an aggressive notice threatening to force-place highly expensive hazard insurance on my property. As a XXXX, I am being actively penalized and financially threatened by my lender for an administrative failure that Guild Mortgage committed at the closing table. They left my home completely uninsured, and they are now using automated scare tactics to force a more expensive, inferior policy onto my account. I am demanding that Guild Mortgage 's executive compliance team immediately halt all force-placed insurance actions, issue an emergency escrow advance to pay XXXX and resolve this closing shortage today.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have purchased Sporting Goods with Citi Bank Credit Card and they can not be returned due to new California laws. Citi bank is saying that I am still responsible for these charges but XXXX, XXXX and USPS will not touch or ship certain sporting goods that are firearm related.

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 2026-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-07-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I had a Wells Fargo account I did not know about, I've had loan companies run my credit who I never applied for a loan from.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These inquiries are inaccurate and do not reflect my actual credit history. I kindly request that they be reviewed and removed, as they may impact my creditworthiness and financial opportunities.

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 2026-07-16 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: TN

Complaint narrative:
I am submitting this complaint regarding Bank of America 's refusal to refund a {$79.00} annual fee associated with my XXXX XXXX XXXX XXXX, despite representations made by its customer service representatives. In XX/XX/year>, Bank of America assessed a {$79.00} annual fee on my XXXX XXXX XXXX XXXX. At that time, XXXX XXXX was still operating, and I had every intention of keeping and using the card because of the airline-specific benefits associated with it. In XX/XX/year>XXXX XXXX XXXXXXXX ceased operations, fundamentally changing the value of the credit card and eliminating the primary reason for maintaining the account. After learning this, I contacted Bank of America to discuss my options. During that conversation, I was informed that I could convert my account to a Bank of America credit card with no annual fee and that, once the replacement card was activated, the previously charged {$79.00} annual fee would be refunded. I accepted that solution, received and activated the replacement card in XX/XX/year>, and then contacted Bank of America again in XX/XX/year>XXXX to request the promised refund. At that time, I was informed that the refund would not be issued because more than 30 days had passed since the annual fee was assessed in XXXX. I believe Bank of America 's position is unfair for several reasons : * The airline was still operating during the 30-day period following the assessment of the annual fee, so there was no reason for me to request a refund at that time. * The circumstances changed only after XXXX XXXX ceased operations in XXXX, eliminating the benefits for which the annual fee had been paid. * I relied on Bank of America 's representation that the fee would be refunded after I converted to and activated the no-annual-fee card. * I followed the instructions provided by Bank of America, only to have the refund denied based on a policy that was not disclosed when I agreed to convert the account. I contacted Bank of America on two separate occasions regarding this matter and opened customer service case number XXXX XXXX XXXX XXXX XXXX I am requesting that the CFPB require Bank of America to : 1. Refund the {$79.00} annual fee charged to my former XXXX XXXX XXXX XXXX. 2. Ensure that customers affected by the discontinuation of the Spirit Airlines credit card partnership are treated fairly and consistently. I believe I acted reasonably and in good faith throughout this process. Had XXXX XXXX remained in business, I would have continued to keep and use the card. The annual fee became unjustified only after the airline ceased operations, and I relied on Bank of America 's instructions regarding the conversion and refund process. I respectfully request the CFPB 's assistance in resolving this matter.

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 2026-07-16 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: LDF Holdings, LLC
State: CA

Complaint narrative:
I filed a complaint with you the fed oversight and you did not address my concerns. You closed the complaint prematurely. I already paid off the loan ( see attached loan overview showing XXXX balance as of XXXX ), so Lendumo did not give me anything and ripped me off for additional interest not according to the terms of how interest and payoff are calculated using daily interest rate which is ApR du used by XXXX. What type of response is them just saying its based on terms when I showed you proof the terms said off was based on daily interest with no prepay penalty. They still have not answered the discrepancy of the amount of payoff and how they got that amt based on the payments I made.. I was asking my for reimbursement of overpaid interest that was not computed based on daily rate. I paid the loan off so as you can see by the attachments I sent you. Lendumo saying they dont have to but will consider paid in full is a lie. I already paid in full!!!! They did not give me anything. I paid the full balance they stated as again I sent you copies of. I still got no resolution with my issue which was that I overpaid interest. Please read my complaint XXXX and evidence and ask Lendumo to reimburse me for overpaid interest in n the am I asked for in my previous complaint that remains unaddressed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.

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 2018-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX IS ONCE AGAIN REPORTING XXXX BANKRUPTCY PUBLIC RECORD BELONG TO XXXX XXXX XXXX, XXXX AND 4 ACCOUNTS IN OTHER SECTION, BEEN PENDING DISPUTE STATUS FOR 5 MONTHS NOW DELETE ALL 4.

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