vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Product Type : Wells Fargo Checking Account Issue : Problem with a purchase or service Fees Complaint Description : I am formally disputing a total of {$95.00} in unnotified monthly service fees charged by Wells Fargo between XX/XX/XXXX and XX/XX/XXXX. The bank has only refunded {$20.00}, leaving an outstanding balance of {$75.00} in disputed charges. The fees were assessed as follows : XXXX XXXX XXXX XXXXXX/XX/XXXX : {$10.00} each month ( Total {$20.00} ) XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : {$15.00} each month ( Total {$75.00} ) On XX/XX/XXXX, Wells Fargo issued two " Monthly Service Fee Reversals '' of {$10.00} each, but refused to refund the remaining five months of {$15.00} fees. When I contacted both the customer service line and a local branch, representatives stated that their internal system limits them to only one courtesy waiver within a 12-month period. I am not requesting a " courtesy waiver. '' I am contesting these charges on the grounds that I did not receive proper statutory notification of these fee implementations or increases. Under Federal Regulation E and the Truth in Savings Act ( TISA ), financial institutions must provide clear, prior notice before implementing terms that result in increased fees. Wells Fargo failed to provide a distinct notification, and their internal software limitations on " waivers '' should not prevent the correction of a billing error caused by a lack of disclosure. XX/XX/XXXX MONTHLY SERVICE FEE REVERSAL {$10.00} XX/XX/XXXX MONTHLY SERVICE FEE REVERSAL {$10.00} XX/XX/XXXX MONTHLY SERVICE FEE {$15.00} XX/XX/XXXX MONTHLY SERVICE FEE {$15.00} XX/XX/XXXX MONTHLY SERVICE FEE {$15.00} XX/XX/XXXX MONTHLY SERVICE FEE {$15.00} XX/XX/XXXX MONTHLY SERVICE FEE {$15.00} XX/XX/XXXX MONTHLY SERVICE FEE {$10.00} XX/XX/XXXX MONTHLY SERVICE FEE {$10.00}

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 2026-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Subject : FINAL NOTICE : Demand for Immediate Deletion of Unverifiable Account Reporting To Whom It May Concern, I am writing to formally reject your recent correspondence regarding the disputed mortgage account associated with XXXX XXXX XXXX, XXXX XXXX XXXX, and PNC Mortgage. Your response confirms a series of fatal defects regarding your legal authority to report this data. Specifically, you have conceded that you : Did not originate the loan ; Are not the owner or holder of the underlying debt ; Do not possess the original wet-ink promissory note ; and Do not maintain the required chain of title, ownership, or securitization records. Despite these glaring administrative and legal gaps, you continue to report this account as " accurate and complete. '' Under Section 623 of the Fair Credit Reporting Act ( FCRA ), a furnisher is strictly mandated to conduct a reasonable investigation upon receiving a dispute. Merely checking your own internal servicing database does not satisfy this federal standard when you lack the foundational source documentation to prove the debt 's validity, its current ownership, or the exact calculations of the alleged balance. Because you do not possess the original contract, promissory note, or an independent audit trail establishing your legal right to report this financial data, I am demanding the immediate and permanent deletion of this entire tradeline from all credit bureaus ( XXXX XXXX XXXX XXXX ). If you choose to continue reporting this unsubstantiated, unverified account, you are doing so in willful noncompliance with the FCRA. Take notice that I expect written confirmation of the account deletion request within the legally mandated timeframe, or I will escalate this matter to formal legal action and a formal complaint to the CFPB. Please update this file immediately to reflect that it is actively disputed, and initiate the deletion profile without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
" The vehicle was voluntarily surrendered because the monthly payments became unaffordable. I am requesting a review of the account and all related reporting. ''

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 2026-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Company never sent any of the required notices required by law XXXX the right to redemption XXXX where the vehicle is stored XXXX time and date of auction I was also charge several repossessions fees but in the state of Maryland the law states that you must receive a repossession notice 10 days before the repossession if the company plans on charging repossession towing and storage fees They never sent any notice of sale with auction date and time or what the vehicle was sold for

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
My account was charged XXXX from XXXX XXXX I did not make the charges. I received a text asking me if I made the charges Y or N I replied N and called Wells Fargo immediately. They said they did an investigation and the reason they stated the claim was denied was they said I didnt remember making the charges. This had happened several times with this institution and I will close my account but this is not right and they owe me my money.

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 2026-06-08 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
Ive heard that XXXX ( cashapp ) bank is having a settlement/lawsuit against them I was wondering how I can be a part of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing an official complaint against Capital One regarding its severe mishandling of unauthorized transactions and failure to comply with Federal Regulation E. On XXXX XXXX, 2026, I opened XXXX fraud claims : XXXX and XXXX. These claims are for a {$450.00} charge paid directly with my Capital One card and a {$690.00} charge ( totaling {$700.00} with fees ) processed through Zip, both from the fraudulent merchant Add Beauty.Today, XXXX XXXX, 2026, marks exactly XXXX business days since my initial report. Today I received two automated emails stating both claims were " denied '' because they were being transferred to new claim numbers, which Capital One claimed they sent in a " separate communication. '' No such communication exists in my email or spam folders.Furthermore, when I call Capital One 's Dispute Department at XXXX, the representatives state they have absolutely zero record of any new claims and can not provide any status or information. The automated letter explicitly states that this change will not affect the timing of my resolution.Capital One is in direct violation of Federal Regulation E ( Electronic Fund Transfer Act ) by failing to issue the required mandatory provisional credit on business day XXXX while an investigation is ongoing, and by completely failing to properly track or communicate the status of my fraud disputes. I demand an immediate specialized executive review by Capital One and the immediate application of my provisional credit for both of these XX/XX/XXXX claims ( {$450.00} and {$700.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc.
State: PA

Complaint narrative:
I was a new patient at XXXX XXXX on XXXX XXXX, 2024, at their XXXX XXXX XXXX XXXX, XXXX, PA XXXX location. At that time, I received an invoice totaling {$650.00} and paid the balance in full through a combination of a direct payment and financing through XXXX XXXX XXXX. Specifically, I made an initial payment of {$150.00} on XXXX XXXX, 2024, and satisfied the remaining balance through fixed monthly payments of {$90.00}. Nearly two years later, I recently receive an unexpected bill for an alleged outstanding balance now referred to collections. To date, I have not been provided with any documentation explaining the basis for this alleged debt. Over the past several weeks, I have sent emails, made telephone calls, and left voicemails requesting documentation supporting the amount claimed as due. Specifically, I have requested : An itemized accounting showing how the alleged balance was calculated ; Documentation reflecting when any dental insurance claim was submitted ; Documentation of any insurance denial, adjustment, or rejection that would support the assessment of additional charges ; and Documentation demonstrating why this balance was not communicated to me until nearly two years after my treatment. Despite these requests, I have received no substantive response. Instead, I have been contacted by XXXXessional Finance Company , Inc., which is attempting to collect on this disputed account and has threatened further collection activity. I formally disputed the validity of this alleged debt via email and on the website, and I requested all supporting documentation. I have serious concerns regarding the accuracy of the billing practices associated with this account, including the possibility of improper or duplicative billing. Given the circumstances, I request immediate investigation and resolution of this matter. I maintain that the debt is disputed and should not be subject to further collection efforts or credit reporting. If you have any questions or require additional information, please contact me directly at XXXX. Sincerely, XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-06-08 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I am filing this complaint because Chase did not complete the investigation of multiple unauthorized XXXX transactions I reported, did not provide the required written findings for each disputed charge, and did not send the separate letter they stated would be issued for the additional unauthorized transactions. Chase only resolved one transaction ( {$140.00} ) and left the remaining disputed transactions unaddressed. Chases XX/XX/XXXX letter states : We put temporary credit ( s ) on your account for the unauthorized transaction ( s ) while we review your claim, confirming that multiple transactions were under investigation. Their XX/XX/2026 letter states : You are not responsible for the following transaction ( s ) XX/XX/2026 {$140.00} XXXX * XXXX, but does not address the other unauthorized transactions. Chase also stated : If you contacted us about additional unauthorized transactions, well address those in a separate letter. I never received this required letter, nor any written findings for the remaining disputed charges. Chase later reversed provisional credits due to what they described as duplicate credits, but did not provide any accounting or explanation for the reversal. This incomplete dispute handling has now resulted in an unexplained minimum payment appearing on my account, even though I have made no new purchases other than one authorized recurring XXXX XXXX installment. The new minimum payment appears to be the result of unresolved dispute adjustments, not legitimate spending. Under 12 CFR 1026.13 ( Regulation Z ), Chase is required to : Conduct a reasonable investigation of each reported unauthorized transaction ( 1026.13 ( f ) ) Provide a written explanation of findings for each disputed charge ( 1026.13 ( f ) ( 3 ) ) Correct the account for all unauthorized transactions and related fees ( 1026.13 ( e ) ) Issue separate determinations when multiple transactions are disputed Request additional information if needed ( 1026.13 ( b ) ( 2 ) ) Chase did not meet these requirements. Provisional credits do not satisfy Regulation Z ; they are temporary protections, not a final resolution. I am requesting that the CFPB require Chase to complete the investigation, issue the missing written determinations, correct any remaining unauthorized charges or fees, and explain the origin of the minimum payment now appearing on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I discovered a series of BREEZE * STAKE transactions between XX/XX/year> and XX/XX/year> that I dispute as unauthorized. During that period, my account was charged repeatedly, including approximately 41 separate {$20.00} transactions, multiple {$100.00} transactions, and a {$550.00} transaction, often occurring only minutes apart. Despite this unusual activity, Truist did not send me a fraud alert, text message, email, phone call, verification request, Was this you? notification, or any other warning that suspicious activity was occurring on my account. I immediately reported the transactions and opened unauthorized transaction claim number XXXX. I was then informed that my account was in the process of closure under reference number XXXX. However, no representative could explain why the transactions were not flagged, why I was not notified, why additional authentication or verification was not required, what triggered the account closure process, or why I was not informed before those actions were taken. As a result of Truists actions, I have lost access to my online banking and am unable to fully review my account information. I am requesting a full explanation of the banks handling of these transactions, the failure to notify me of the activity, the basis for the account closure decision, and the status of my funds and dispute investigation.

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 2026-06-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LoanCare, LLC
State: MD

Complaint narrative:
Subject : FINAL NOTICE : Demand for Immediate Deletion of Unverifiable Account Reporting To Whom It May Concern, I am writing to formally reject your recent correspondence regarding the disputed mortgage account associated with Loan Care LLC, XXXX XXXX XXXX, and XXXX XXXX. Your response confirms a series of fatal defects regarding your legal authority to report this data. Specifically, you have conceded that you : Did not originate the loan ; Are not the owner or holder of the underlying debt ; Do not possess the original wet-ink promissory note ; and Do not maintain the required chain of title, ownership, or securitization records. Despite these glaring administrative and legal gaps, you continue to report this account as " accurate and complete. '' Under Section 623 of the Fair Credit Reporting Act ( FCRA ), a furnisher is strictly mandated to conduct a reasonable investigation upon receiving a dispute. Merely checking your own internal servicing database does not satisfy this federal standard when you lack the foundational source documentation to prove the debt 's validity, its current ownership, or the exact calculations of the alleged balance. Because you do not possess the original contract, promissory note, or an independent XXXXudit trail establishing your legal right to report this financial data, I am demanding the immediate and permanent deletion of this entire tradeline from all credit bureaus ( XXXX, XXXX, and XXXX ). If you choose to continue reporting this unsubstantiated, unverified account, you are doing so in willful noncompliance with the FCRA. Take notice that I expect written confirmation of the account deletion request within the legally mandated timeframe, or I will escalate this matter to formal legal action and a formal complaint to the CFPB. Please update this file immediately to reflect that it is actively disputed, and initiate the deletion profile without delay.

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 2026-06-08 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I used Affirm to make a purchase with XXXX. I am still missing one item from the merchant and another item is damaged. XXXX states they have proof of delivery, however their delivery photos show that one item is in fact missing and then based on their return policy, the damaged item should be replaced or refunded and that they would pay for shipping because of this. They are not doing this and requiring that I pay for the return shipping for ALL items and will not do anything about the missing item. I have reached out several times and have to reached a resolution. They just keep asking for me to send more photos and videos but I can not keep trying to set up this tent because it is heavy and time consuming. I explained that I followed all directions and I did send two photos. I also tried sending videos but they say that they have not received them, however on my end it shows that they did. I will include screenshots of all communication with XXXX. I next filed a dispute with Affirm and they have ruled in favor of XXXX. Saying that the tracking shows delivered. However, the proof of delivery photos with XXXX still show that there is one ( big ) item missing. Its as if they scanned it, but did not delivery it. Additionally, when I made my dispute with affirm I explained that there were several screenshots which showed evidence that I did not receive the product ordered and that XXXX was not working with me to resolve the issue with either the damaged product ( HUB ) or the product not received ( XXXX XXXX ). However, they never provided an opportunity to submit this evidence before ruling in favor of the merchant. Also, I have trying to speak to a representative with Affirm and waited on hold for over 30min and never was able to, nor are they responding to my emails. I can also provide video footage of the delivery and footage showing my XXXX delivery which is the additional box in their proof of delivery photo. All which prove that the XXXX XXXX was not delivered and that they are claiming the XXXX box in the photo is theirs, but is not. Unfortunately the videos will not attach on here, but I could send separately if there is a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was trying to deposit money to my account through the ATM and it didnt accept so I went inside and ask why my account is restricted and she said because I recently deposited two checks for the amount of {$500.00} and {$300.00}. I told her her my bank already took those checks and I paid all the checks that I cashed then she said its fraud to cash check without funds. I told her my bank accepts the checks then when the funds comes they will pay the checks I have the overdraft protection plan plus I have the survivors benefit coming to their bank every month. So I ask when my survivors benefits comes will I be able to withdraw money she said my account will be restricted for 1 month and that they might not give me my money. I called the fraud dept. and they told me to send statements from my out of state bank which I did I e-mail the statements then I told her I have funds coming in there and she told me I can access or get the money on the XXXX XXXX XXXXXXXX so I went to the XXXX XXXX and try to make a withdrawal and the banker told me my account is restricted so he called the fraud dept. so I also told him that I did what they ask me to do to e-mail the statements and my bank accepts the checks that I wrote then she told the banker not to give me money and my account to stay restricted. My bank already accepts the checks do I dont understand why my account is still restricted then the banker asks the fraud dept if they need anything else from me and she said nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation