vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I opened a Wells Fargo debit card/checking account on XX/XX/year> with my grandparents. At account opening, I was told the debit card would be mailed and arrive within 7 days. 

As of today ( XX/XX/year> ), I still have not received any debit card. This is now over one month without access to a physical card. 

During this time : I have received multiple mailed letters from Wells Fargo ( including transaction histories ), which confirms the mailing address is correct. 

All statements show {$0.00} in transactions because I do not have a card and can not access funds. 

The debit card has been reordered multiple times, including once on XX/XX/XXXX, and without my knowledge by my grandparents, on XX/XX/XXXX. 

Wells Fargo has provided no tracking information, no confirmation of shipment, and no explanation for the delays. 

Each reorder appears to cancel the prior shipment without notice, further delaying delivery. 

The card appears in Wells Fargo systems but can not be added to XXXX or any digital wallet, preventing any alternative access to funds. 

I have attempted to resolve this through Wells Fargo support, but the issue remains unresolved, and I still do not have a debit card or reliable access to my account. 

This prolonged failure to deliver a debit card has caused an ongoing loss of access to funds, despite repeated assurances that the card was sent. I am requesting immediate resolution, including confirmation of shipment and expedited delivery of the debit card.

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 2025-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
In XXXX of 2025, I received information from social media on a site called Kikoff. This company 's information stated it was designed to rebuild credit and improve your credit score. I agreed to pay {$20.00} per month to them to improve my credit. I paid XXXX, XXXX, and XXXX. In XXXX, I cancelled the subscription to them since I no longer needed their services. On XX/XX/scrub> 2025, the mortgage lady called and informed us that the account was showing a {$0.00} balance but also showing 60 days past due. We went back and reviewed our account, noticing that {$20.00} was being deducted each month. We went to the site, and it indicates no open accounts for me. I went to their app online to cancel the account.

We need this corrected because we are in the process of trying to purchase a home, and this is hindering our financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding First Credit Services , Inc. and an alleged debt from XXXX XXXX XXXX ( XXXX, XXXX  ). 

First Credit Services reported a collection account to one or more credit bureaus without ever sending me the required written debt validation notice. I did not receive any letter by mail before this collection appeared on my credit report.

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to send a written validation notice within five ( 5 ) days of initial collection activity. Reporting a debt to a credit bureau is considered collection activity. First Credit Services failed to provide this notice before reporting the account.

Additionally, I verbally requested that First Credit Services send written validation of the alleged debt and instructed them not to contact me by phone. Despite this request, no written validation has ever been provided, and the collection remains reported on my credit file.

Reporting a debt without first providing the required validation notice and continuing to report the debt without validation violates my consumer rights under federal law.

I am requesting that the CFPB investigate this matter and require First Credit Services to : Provide proof that a proper validation notice was sent, or Remove the collection account from all credit reporting agencies if they can not prove compliance I am also requesting confirmation that my rights under the FDCPA will be respected going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: ENOVA INTERNATIONAL, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding a high-cost installment loan issued by XXXX with an annual percentage rate ( APR ) of 64.69 %. I originated this loan on XXXX, XXXX XXXX  for the amount of {$4400.00}. To date had made {$1500.00} in on time payments. At the time this loan was originated, I was a resident of XXXX, and the loan was marketed to me and executed while I lived in XXXX. Although I no longer reside in XXXX, this loan remains governed by the laws applicable at the time of origination. 

I believe this loan may violate, or unlawfully circumvent, XXXX  consumer lending laws, including the XXXX  Consumer Finance Act ( Va. Code 6.2-1500 et seq. ), which requires consumer lenders to be properly licensed and limits permissible interest rates and charges. Based on my understanding, XXXX  is not licensed as a consumer finance lender in XXXX, as required under Va. Code 6.2-1515, yet it nevertheless marketed, originated, and serviced this loan to me as a XXXX  resident. 

Additionally, I am concerned that the 64.69 % APR may conflict with XXXX usury and consumer protection laws, including Va. Code 6.2-303, and that the loan structure may have been designed to evade XXXX  interest-rate caps and licensing requirements through the use of an out-of-state choice-of-law or similar arrangement. 

The loan was originated for {$4400.00}. In XXXX have made {$1500.00} of on time payments, yet, XXXX of the principal remains. 

My concerns include : XXXX  originated and serviced a consumer loan to a XXXX  resident without being licensed in XXXX, as required by law. 
The 64.69 % APR is excessive and potentially unlawful under XXXX  statutes. 
The loan structure appears intended to circumvent XXXX consumer finance and usury protections. 
The true cost of borrowing and long-term repayment burden were not clearly or transparently disclosed. 
The loan is predatory in nature, resulting in most payments being applied to interest rather than principal and causing financial hardship. 

Despite making payments, the principal balance has been reduced minimally due to the extremely high interest rate. 

I am attaching ; Payment schedule not outlined in the terms of loan. Only can be found once agreement signed and can only be found in the online portal- XXXX. Was not outlined in terms of loan before signature, A copy of loan agreement Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I bank with US Bank, I never spend what I don't have. I have gotten cash advances and US Bank covered the payments twice and my next deposit always covered that negative balance. I deposit money in my checking and transfer it to my savings. As I need to make purchases or pay a bill, I transfer the funds to my checking and use it to make the purchase. Well they are holding my transactions as " pending '' then marking my account negative when it settles but I am using my own funds to cover my purchases, US Bank has never covered a purchase to charge me overdraft fees in the first place. I was - {$110.00} one morning ( XX/XX/year> ) they advised me to deposit {$83.00} to waive a {$36.00} overdraft fee. I did that and 2 days later I am overdrawn - {$84.00} again ... how is that happening and now even ATM withdrawals are " pending '' when I had the funds in my savings when I pulled it out at the ATM, but now it's pending so they can overdraw my account even more? There are transactions that disappear like a XXXX XXXX payment of {$50.00}, it's no longer in my list of pending or posted transactions and now they claim I owe them another {$84.00} that I just deposited to cover overdrafts. They never pay my purchases if I don't have funds. So what are the overdraft fees for? They decline everything if there are no funds in my account yet they claim I owe them overdraft fees. I had {$350.00} in my account recently, made purchases and sent payments with the money in my account but they made me give up {$83.00} and say my purchases are " pending '' when they shouldn't be because I use the exact amounts when I make purchases using the exact dollar amounts in my accounts. I am not overdrawing my account or spending what I don't have. My transactions should not be going into a " pending '' status when I'm transferring what my purchase costs before making the transactions and the funds are automatically sent to the place I made my purchase, so how does it end up " pending '' when the bank is not covering any transactions at all, the money I deposit covers every purchase. My transactions are ALL covered by cash in my account period. US Bank is playing with my money putting transactions as " pending '' when I spend exactly what I put in my own bank account. ATM withdrawals should never be pending when the money is in my account for me to use. It's my money and they continue saying I owe the bank for the money I spend that I deposit myself. I need my {$83.00} returned and the negative {$84.00} erased as it is incorrect.

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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: WI

Complaint narrative:
I made a purchase on Klarna for XXXX XX/XX/year>. I retuned the item on XXXX XXXX. XXXX tried to refund Klarna on XX/XX/year> and again on XX/XX/year>. Twice they tried to refund the money but since its a one time card and I made the purchase in XXXX the card is expired or inactive. Klarna has done NOTHING to fix this issue. I have called in use there live chat for two months straight to try and get this resolved. Now XXXX will send me a check but I rejected because if they send me a check I wont get the refund from Klarna AND I will still owe Klarna the {$100.00}. There is no superior to speak with and the people you can speak with barely speak English.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
This is about their investigation, I would like for them to send me the what they proved into their investigation, that they told me that they got pictures of me using the ATM to take money out when I reported my card, lost and stolen and someone took money out of my card. What's my pin number being on my card.\n When I called in to ask about if my funds the lady said there's a XXXX atm withdrawXXXX Al from my car and I told her my pin number was on my card and I didn't have it. I never left home that night so and they're trying to say that my photo showed up on the ATM and I told them to send me a paperwork today, regarding this information or guard. And the Investigation, because like I said, I never left my house that night.When I reported it and I need the information that they did their investigation, because\nI 'm taking this to the small claims courts because I find it's hard to believe when they said they have my photo.So this claim it's closed they can't be my photo because I like I said.I 'll never left my house with all XXXX of my claims i kept all of my paperwork that I sent in to the bank of me writing to the bank saying I never authorized these charges

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Financial Services Inc.
State: WA

Complaint narrative:
I received a collection notice from Evergreen Financial Services , Inc., demanding payment in full for a medical debt. I never received any bill from the original medical provider. The notice stated that the debt would be assumed valid unless disputed within 30 days, and referenced verification, judgment, and original creditor information, creating confusion about my legal rights. It also threatened interest at 9 % per annum and additional handling fees without any legal or contractual basis.

These actions appear to violate the Fair Debt Collection Practices Act ( FDCPA ), including : 1692e misrepresenting the legal status of the debt, including references to judgment and verification ; 1692e ( 2 ) threatening unlawful interest and fees ; 1692e ( 8 ) creating a risk of improper credit reporting for a disputed or potentially non-existent debt ; 1692g failing to properly validate the debt and misrepresenting my rights to request verification.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MO

Complaint narrative:
I have Chime and they have two features I use regularly which is MyPay and the instant loan. My instant loan for XXXX apparently was late on the second well due to our furnace going out and the holidays I had to wait until payday today XX/XX/year> to pay it back so I paid the {$35.00} loan payment and then I also paid the {$35.00} already for XXXX. Well last month I had used the total {$480.00} available in MyPay. It repays it every paycheck but you still get the funds to use after its repaid. I use these funds to help pay bills etc. well it took the {$480.00} out of my account today and then because of the one little {$35.00} late payment it completely froze my MyPay. Thats {$480.00} out of my check that I really need for essential bills such as electricity. I contacted chime and they told me Im basically out of the {$480.00} and the MyPay wont be unfrozen until ANOTHER qualifying direct deposit.. which I will not receive until XX/XX/XXXX. I asked if anything could be done and was told no and sorry. That was it. That is {$480.00} of my check that was taken over a {$35.00} late payment that I not only paid with my check but also prepaid next months to get ahead. I dont feel like this is right in any way. Once I paid the late fee the MyPay should have been available since I was up to date and on good terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage company XXXX XXXX transfered servicing my loan to Shellpoint Servicing and charged me {$300.00} for a new title search on my monthly statement around XX/XX/scrub> 2025. I was never disclosed of the reason for this and they have refused to provide me the title chain.

I have even submitted a written request letter and they have never responded back.

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 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am submitting this complaint against Wells Fargo regarding an unjustified and excessive hold placed on a credit card payment that has already been withdrawn from my account. 

On XX/XX/XXXX, I made an online payment of {$5000.00} to my Wells Fargo XXXX XXXX XXXX XXXX ( account ending in XXXX ). Wells Fargo has confirmed in writing that the payment was successfully made and that the funds left my account. Despite this, Wells Fargo placed a 17-day hold on the payment and refused to release it until XX/XX/XXXX, making the funds unavailable for use until XX/XX/XXXX. 

In their written response, Wells Fargo states that the hold was imposed by their High Dollar Desk as a procedural safeguard. However, they explicitly refuse to provide any specific reason for the hold and state that such holds are placed at their discretion. They also closed my case without providing a meaningful resolution or justification. 

This action has caused me financial harm by restricting my available credit despite timely payment, and it exposes me to potential credit harm, cash flow disruption, and business operational risk. Holding funds that have already been withdrawn from a customers account for over two weeks without a clear, specific, or verifiable reason is unreasonable and unfair. 

I am requesting that the CFPB review this matter and require Wells Fargo to : Justify the legality and necessity of this hold with specific reasons. 

Review whether this practice complies with fair banking and consumer protection standards. 

Ensure that Wells Fargo does not penalize my account, credit standing, or future payments as a result of this action. 

Wells Fargo case number related to this matter : XXXX. 

Thank you for your assistance in reviewing this complaint.

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 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon carefully reviewing my credit report, I discovered multiple unauthorized inquiries that I neither authorized nor initiated, clearly indicating unauthorized activity on my accounts.

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 2025-12-30 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: CA

Complaint narrative:
Upon carefully reviewing my credit report, I discovered multiple unauthorized inquiries that I neither authorized nor initiated, clearly indicating unauthorized activity on my accounts.

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 2025-12-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered inaccurate and inconsistent information being reported on my credit file for my XXXX XXXX XXXX XXXX account, Account # XXXX. Experian reports the account as Paid, Closed, Never Late, while TransUnion and/or Equifax are reporting multiple late payments and even derogatory months for the same account. I have never been late on this account. These conflicting entries are not accurate. 



I contacted the furnisher to request verification, but I did not receive any documentation proving the alleged late payments. Under the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, I am requesting a full and proper investigation. Because the furnisher has not provided verifiable evidence and the credit bureaus are reporting contradictory information for the same account, these late-payment entries are unverified and must be corrected or removed across all bureaus. 



I am respectfully requesting that the CFPB ensure the furnisher and the credit bureaus correct the reporting and remove any inaccurate or unverified negative information from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: LA

Complaint narrative:
XXXX My Dave account was locked on XX/XX/XXXX, XXXXimmediately after I filed a dispute regarding a transaction from [ XXXX ] transaction that was {$39.00} that I did not authorize. I have attempted to contact Dave 's 'Member Success ' team via but have not received a resolution. This action has denied me access to my funds and appears to be a retaliatory measure for exercising my rights under Regulation E to dispute an unauthorized or incorrect transaction. I am requesting that Dave immediately unlock my account and provide a status update on my dispute. In my account has been locked and has caused a huge inconvenience. I am not able to access anything.

Company response to consumer: Closed with explanation