vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 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: FL

Complaint narrative:
I am filing a complaint regarding Wells Fargo improperly classifying a standard card transaction as a cash advance and charging associated fees. On XX/XX/XXXX and XXXX of 2026, I made transactions with Shuffle.us using my Wells Fargo credit card. The transaction was processed as a normal purchase by the merchant and was not submitted as a cash advance, quasi-cash transaction, or cash-equivalent transaction. However, Wells Fargo unilaterally reclassified the transaction as a cash advance and assessed : - XXXX advance fees I contacted both the merchant and Wells Fargo customer support. The merchant confirmed the transaction was not coded or submitted as a cash advance transaction. Despite this, Wells Fargo refused to reverse the fees or provide a clear explanation of the criteria used to reclassify the transaction. I requested : - The merchant category code ( XXXX ) associated with the transaction - The specific policy or rule used to classify the charge as a cash advance - Documentation showing how consumers are informed that this merchant or transaction type may incur cash advance fees Wells Fargo either failed to provide this information or provided vague and inconsistent responses. I believe this practice is unfair and lacks transparency because consumers are not clearly informed at the time of purchase that an ordinary card transaction may later be treated as a cash advance based on undisclosed internal criteria. I am requesting : XXXX. Reversal of all cash advance fees totaling to {$180.00} and related interest charges. XXXX. Correction of any negative impact caused by these charges. XXXX. A clear written explanation of the policy used to classify this transaction as a cash advance. XXXX. Improved disclosure practices so consumers are informed before charges are incurred.

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 2026-05-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
My phone was stolen and someone sent money to themselves I need my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NM

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
In XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX in Maryland. My auto loan was financed through Bridgecrest Acceptance Corporation, XXXX 's affiliated financing company, at what I believe to be a predatory interest rate. The current outstanding loan balance is {$20000.00} on a vehicle that has a current fair market value of approximately {$3000.00} to {$5000.00} leaving me deeply underwater with negative equity of approximately {$15000.00} to {$17000.00}. Within the first 15 months of ownership, the vehicle experienced a catastrophic engine failure. XXXX XXXX belt snapped, causing further extensive engine damage. I had purchased a XXXX XXXX XXXX XXXX warranty through XXXX XXXX XXXX XXXX for $ XXXX warranty specifically designed to cover XXXX components, including the engine. XXXX wrongfully denied my warranty claim and refused to cover the engine repair. XXXX 's manufacturer warranty ultimately stepped in and covered the same repair XXXX refused, confirming the defect was a legitimate manufacturing issue. I have full documentation of both XXXX 's denial and XXXX 's approval and repair. Bridgecrest, as the financing arm of XXXX, originated a loan on a vehicle that was sold with a pre-existing or manufacturing defect. The loan amount of {$20000.00} on a vehicle worth approximately {$3000.00} to {$5000.00} represents a loan-to-value ratio that is grossly disproportionate and indicative of predatory lending practices targeting vulnerable consumers. I contacted Bridgecrest to request hardship assistance due to my inability to afford the monthly payments on a defective vehicle. Bridgecrest failed to provide meaningful relief or a viable hardship program, despite my documented financial difficulties and the vehicle 's defective condition. This failure to engage in good faith with a consumer in hardship XXXX constitute an unfair, deceptive, or abusive act or practice ( UDAAP ) under the XXXX XXXX XXXX XXXX. Bridgecrest, XXXX, and XXXX operate as closely affiliated entities. The coordinated conduct of these XXXX entities selling a defective vehicle, denying a legitimate warranty claim, and enforcing a predatory loan constitutes a systemic pattern of consumer harm. As the financing entity, Bridgecrest bears responsibility for loans originating from XXXX 's deceptive sales practices under the FTC XXXX XXXX ( XXXX C.F.R. XXXX ). Under the FTC XXXX XXXX, Bridgecrest as the loan holder is subject to all claims and defenses I have against XXXX as the seller. Because XXXX sold me a defective vehicle and XXXX wrongfully denied my warranty claim, I have valid claims against Bridgecrest that could eliminate the outstanding loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: NV

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX has over charge extreme fees. Without me using the card and even after I paid the statement balance in the XXXX XXXX. Even after I paid the statement they still mange to over charge me.

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 2026-05-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: GA

Complaint narrative:
I am submitting a complaint regarding the handling of an in-school deferment/in-school status request for a Sallie Mae student loan that I co-signed for. My brother began school on XX/XX/year>. Normally, his enrollment status should have automatically updated through the school reporting process, and he believed his loans were already in deferment. However, after reviewing the account myself, I discovered the loan had not been placed into in-school status and continued showing as due/delinquent. As a result, I submitted the required in-school status documentation to Sallie Mae XXXX XX/XX/year>. We were informed the processing turnaround time would be approximately XXXX business days. Despite submitting the documentation, I continued receiving repeated collection/payment calls regarding the account being delinquent. Because the status had still not updated, I followed up with Sallie Mae through chat support. During that conversation, I was informed for the first time that the loan was apparently under a graduated repayment or interest-only program and that an additional opt-in/opt-out action was required in order for the in-school status to be applied. This requirement was never disclosed during the original submission process, was not clearly communicated on the website, and was not explained by any representative prior to my follow-up inquiry. The representative stated they completed the request at that time. However, after continuing to receive collection calls and seeing no update to the account, I contacted Sallie Mae again on XX/XX/year>. During this interaction, I was informed there had been a processing error on XXXX XXXX end and that the request had not been submitted correctly internally. The representative stated they had now resubmitted the request and advised another XXXX business day turnaround timeframe. I requested escalation or expedited handling due to the repeated servicing errors and continued collection activity, but I was told the current timeframe was already considered expedited. My concerns are : - Sallie Mae failed to properly process submitted documentation. - Important deferment enrollment requirements were not disclosed upfront. - I have had to repeatedly follow up to correct servicing errors. - I continue receiving collection calls while waiting for Sallie Mae to fix internal mistakes. - I am concerned about the negative credit reporting and late payment impacts caused by these delays.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
My name is XXXX XXXX and I need to report this Zelle account owner First name is XXXX XXXX And or their name is XXXX XXXX XXXX because they go by two different names and I need them to be investigated and have their Zelle terminated and permanently banned or permanently limited or permanently restricted or permanently suspended and permanently Zelle relationship ended terminated and Zelle token deactivated and restricted permanently they are scamming customers and doing fraudulent and is a fraudster and wont send customers their order or complete it after payment was send to her and send this investigation and punishment action to her bank so they can do the same thing etc and her Zelle email is. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems , Inc . XXXX XXXX XXXXXXXX XXXX, GA XXXX Re : Account Number XXXX I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXXXXXX in the amount of {$320.00}. I formally dispute the validity of this debt and request full verification pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Date : XXXX To : Executive Response Unit / Office of the President Citibank , N.A . Re : Formal Demand for Access to Trust Funds and Immediate Resolution To Whom It May Concern, I am the trustee of a trust account held with Citibank following the passing of my mother. The account is titled in the name of the trust. I have provided all requested documentation to Citibank multiple times over the past five months in order to gain access to these funds. Despite full compliance, this process has been repeatedly delayed. After extensive follow-up, Citibank issued a check dated XX/XX/XXXX. This check was sent via untracked XXXX mail, despite my request for a secure delivery method. The check has not been received and is presumed lost. Citibank has informed me that I must wait 90 days before a replacement check can be issued. This is unacceptable given the circumstances. The delay is the result of Citibanks handling of the disbursement, and I am currently being denied access to a significant amount of trust funds. This situation has caused unnecessary hardship and reflects a failure to exercise reasonable care in the handling and delivery of funds. I am formally demanding the following : Immediate stop payment on the original check issued XX/XX/XXXX Immediate reissuance of the funds via secure method ( wire transfer, tracked cashiers check, or in-branch pickup ) Written confirmation of the account balance and status I am willing to execute an indemnity affidavit acknowledging responsibility should the original check be presented. Formal complaints have been filed with the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency. I request that this matter be escalated for expedited executive review and resolved within 10 business days. Please contact me directly at [ your phone number ] or [ your email ] to confirm next steps. Sincerely, XXXX XXXX Trustee XXXX XXXX XXXX Trust Date XX/XX/XXXX 2010

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 2026-05-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Credence Resource manage is trying to collect a debt. They failed, after contact, to provide information on the debt. The debt was only discovered after they tagged it on a credit reporting file. While asking for the credit and debt information, I was ignored. After waiting 30 days. There was no response. I reached out to them to try and enquire to the debt. they lied to me and represented themselves as the collector of the debt. only to finally admit, they could not collect on the debt. The account was held by XXXX. Only they could collect on the debt. despite this, they have falsely defamed my credit. They now have chosen not to remove the false report. I next called XXXX, the credit reporting agency. After talking to the credit company experian, they said credence had also failed to provide required documentation and expiration of the timeline would expire shortly. XXXX also stated they had falsely added a contact address as to misrepresent the location of the debt. XXXX said this is a way to say they sent information to a known address despite that address never being used by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) concerning account XXXX ( XXXX XXXX, account * XXXX ). Violation 1 Unauthorized Data Alteration During Reinvestigation [ 15 U.S.C. 1681i ( a ) ] : During my first reinvestigation ( results received XX/XX/XXXX, File ID XXXX ), TransUnion updated fields outside the scope of my dispute including Date Updated, Maximum Delinquency, Rating, and Historical Trended Data without authorization. Violation 2 Second Rubber-Stamp Reinvestigation [ 15 U.S.C. 1681i ( a ) ] : TransUnion returned a second " Verified as Accurate and Updated '' result on XX/XX/XXXX without conducting a genuine reinvestigation, in violation of the reasonable reinvestigation standard established in XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ). Violation 3 Unauthorized Date Closed Field Addition [ 15 U.S.C. 1681i ( a ) ] : During reinvestigation, TransUnion added " Date Closed : XX/XX/XXXX '' to this account. This field was blank prior to my dispute. TransUnion introduced this data without authorization and outside the scope of my dispute. This addition was confirmed posted to my live credit profile on XX/XX/XXXX. Violation 4 Inaccurate Credit Limit [ 15 U.S.C. 1681e ( b ), Metro 2 Field 13 ] : TransUnion continues to report a Credit Limit of {$0.00} on this account. The original credit limit was {$200.00}. This has not been corrected across two reinvestigation cycles. Violation 5 Mathematical Impossibility [ 15 U.S.C. 1681e ( b ) ] : TransUnion reports XX/XX/XXXX as 30 days past due following XX/XX/XXXX as 90 days past due, with last payment dated XX/XX/XXXX. No payment was posted after XX/XX/XXXX. It is mathematically impossible to reduce a delinquency status without a payment being made. TransUnion has twice verified data it altered itself, constituting reckless disregard for accuracy under XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ), which establishes willfulness under 15 U.S.C. 1681n. I am requesting immediate deletion of this account from my TransUnion credit report and preservation of all reinvestigation records for potential 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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ME

Complaint narrative:
I am writing to formally document a pattern of mishandling by MOHELA that has left me without a {$1000.00} refund I am owed. If I owed the government this much money for this long, they'd seize my wages or be knocking down my door. I don't understand why they aren't held accountable. On XX/XX/XXXX, I was notified that my student loans had been paid in full and that my account had been overpaid by {$1000.00}. I was told a refund had been issued. MOHELA failed to terminate my auto-pay when my balance reached XXXX, which caused the over-deduction in the first place. That error is the origin of this entire situation. I followed up in XX/XX/XXXX and again in XX/XX/XXXX. On both occasions, MOHELA representatives told me the refund had been sent to the U.S. Treasury and that I should expect to receive it within 90 to 120 days. I accepted that explanation and waited. On XX/XX/XXXX, I contacted the Treasury directly. They confirmed that no refund had ever been sent to them by MOHELA. I then spent over an hour on the phone with MOHELA, who acknowledged that the refund was never transmitted to Treasury. I was then told it will be an additional 90 business days before I receive the refund. That timeline pushes to nearly the one-year mark from when the erroneous auto-payment was originally processed. To summarize the failures : - MOHELA did not stop auto-pay when my loan was paid in full, causing the overpayment. - MOHELA repeatedly told me the refund had been sent to Treasury. That was not accurate. - The refund was never sent, and I only discovered this by contacting Treasury myself. - I am now being told to wait an additional 90 business days.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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