vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I formally canceled my XXXX XXXX. At the time of cancellation, the card was issued by XXXX previous partner bank, not Wells Fargo. I terminated the account specifically to end my relationship with the XXXX program before any transition to a new servicer occurred. Despite having no active account, Wells Fargo unilaterally " converted '' my closed, non-Wells Fargo account into a Wells Fargo XXXX card on XX/XX/year>. I never applied for this card, never signed a cardmember agreement with Wells Fargo, and never consented to a data migration from the previous issuer. Evidence ( see attached ) confirms that my card was deactivated and that I was not an active participant in the " Choose a New Card '' window that ended XX/XX/XXXX. Months later, I opened a Wells Fargo XXXX account as a new customer to earn a specific sign-up bonus. Wells Fargo is now denying that bonus, claiming I am an existing customer due to the XX/XX/XXXX unauthorized conversion. Since I canceled my card with the original issuer before Wells Fargo ever took over the portfolio, I should have been treated as a brand-new customer.

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 2026-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
FollowUp Complaint Regarding MOHELA Payment Application Errors and Incorrect Delinquency Reporting I am submitting this followup complaint because the issues I reported to the CFPB on XX/XX/XXXX regarding MOHELA remain unresolved. CFPB notified me on XX/XX/XXXX that MOHELA stated it was still working on the matter. Since then, I have received no updates, and the errors on my account remain. This problem began in XX/XX/XXXX. I have contacted MOHELA every month since then. For the past XXXX months, I have been routed to their delinquency management team. On every call, I am told that MOHELA can see that I have not missed any payments. I have always paid on time and often paid more than the required amount. Despite this, MOHELA continues to show my account as past due and continues to report an incorrect delinquency to the credit bureaus. Each time I contact MOHELA I am told the issue will be corrected in XXXX to XXXX business days. This has never happened. The most recent note on my account states that a request to remove the embedded delinquency was submitted and denied, and that another request was submitted for review. I was told to continue monitoring my account. This response is unacceptable and shows a lack of internal coordination and follow-through. Today, XX/XX/XXXX, when I spoke with an escalation agent, I was told this is a system issue impacting over XXXX borrowers. The ongoing false delinquency is causing stress, reputational harm, and potential financial impact. I have met all of my obligations as a borrower. I should not be penalized for MOHELA internal errors. I am requesting that the CFPB require MOHELA to XXXX. Correct the payment application errors. XXXX. Remove all incorrect past due reporting from my account and from all credit bureaus. XXXX. Provide a clear explanation for the repeated delays and for the denial of correction requests. I can provide bank statements, payment confirmations, and call logs if needed. Thank you for reviewing this followup complaint.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: SC

Complaint narrative:
Company is attempting to collect a debt that dont exist

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc.
State: MD

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
I have Santander XXXX XXXX. On XX/XX/XXXX, I made my car payment. It said my next payment due was {$6300.00}. I called them and they said it was because my loan matured. I had no idea I would have such a large payment at the end. I asked if I could extend my loan, they said no. They said I have to pay {$5400.00} or they will repossess. The vehicle is 10 years old, bad shape, XXXX miles. I asked if they have any options to prevent repossesion, and that I wanted to keep paying. They said " no, sorry ''. I have tried to work a pay off, but have had no responses to multiple emails or letters. I can pay them {$3500.00}, which is all i have, or I can keep paying {$400.00} a month. They are unwilling to work with me, and I also have no idea how I possibly could owe so much at maturity. I was not given any warning or heads up at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I obtained a copy of my consumer report and notified your agency multiple times ; about the items I disputed. I sent my notice to your agency, which included an FTC Identity Theft Report, and filed a complaint with the CFPB. Despite these notifications, the matter remains unresolved in a manner that is fair and equitable to me as required by the Fair Credit Reporting Act ( FCRA ).

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 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: GA

Complaint narrative:
On XX/XX/year>, I spoke with a Selene representative regarding my delinquency status, repayment options, and the impact on my credit. During that call, I was advised that if I entered into a repayment arrangement or modification process, the account would not be reported to creditors and prior credit issues associated with the delinquency would be resolved. I have a transcript of that conversation. Then, on XX/XX/year> at XXXX XXXX., I placed a call to Selene and remained on the line for approximately XXXX minutes. My call records show that this call was made to XXXX, a Selene phone number. During that call, I was told that Selene would set up a loan repayment plan, that I needed to make a {$270.00} down payment, and that the remaining delinquent balance would be spread over the next XXXX monthly payments. During that call, I also provided my credit card information to complete the arrangement. Selene is now telling me that this repayment plan was never set up and that it has no record of the call or the arrangement, despite my documentation showing that the call occurred and lasted XXXX minutes. This is deeply concerning. I relied on Selenes representations and acted in good faith to resolve the delinquency. If Selene failed to properly document, process, or carry out the repayment arrangement after taking my payment information, that is a servicing error for which I should not be penalized. In addition, I dispute any negative credit reporting arising from this period. Based on what your representative told me on XX/XX/XXXX, and based on my XX/XX/XXXX efforts to enter into the agreed repayment plan, I believe the derogatory reporting connected to this issue is inaccurate, unfair, and should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding the handling of a fraud case my Wells Fargo. I was the victim of an imposter scam in which an individual contacted me while impersonating a Wells Fargo representative. The scammer advised me that my account was at risk and instructed me to move funds to " protect '' my money. Believing I was speaking with my bank, I was coerced into transferring funds using XXXX XXXX. The transaction was not made with intent to send money a third party, but rather under deceptive instructions from a fraudster impersonating my financial institution. After discovering the fraud, I immediately reported the incident to Wells Fargo and filed a claim, as well as to my local Police Department and filed a report with them as well. However, Wells Fargo denied my claim and advised my to contact XXXX XXXX instead. XXXX XXXX has also stated they can not reverse the transaction. Wells Fargo has classified this as an authorized transaction ; however, I strongly disagree with this determination because : * I did not knowingly authorize sending money to a third party * I was actively misled my an individual impersonating Wells Fargo * I acted under coercion and deception regarding the safety of my account * The scam was initiated through social engineering, not voluntary payment intent I am requesting : 1. A full re-investigation of this claim as an imposter scam 2. A review under Regulation E protections for electronic fund transfers 3. An explanation of why this was classified as an authorized transaction despite fraud and personation 4. Reimbursement of the stolen funds, as this was not a voluntary transfer of funds to a know recipient. I also request that Wells Fargo provide any documentation or evidence used to determine that I " authorized '' this transaction knowingly. I reported the incident promptly after discovering the fraud and have also filed a police report. The situation involves a financial institution impersonation scam, and I am requesting that it be treated accordingly.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
National Credit Systems is attempting to collect a debt that is not correct. They are trying to collect over {$6000.00} on behalf of XXXX XXXX in XXXX, TN. XXXX XXXX added charges to my account for about 3 months after I moved out. I notified the apartment complex that I had vacated the property on XX/XX/XXXX which I can provide evidence of. They continued to charge me rent monthly until XXXX XXXX. I should not owe them rent for 2 months when I have the proof that I notified them that I had moved out which the business manager acknowledged when she responded to my notice. The screenshot I provided clearly shows that I notified the property that I moved out on XX/XX/XXXX. I'm aware that my lease was up in XXXX, however according to the ledger provided to me by the property I was still charged rent for XXXX and XX/XX/XXXX, even though the property was notified of my move out and I did not re-sign a lease. The charges for XXXX and XXXX rent and all associated fees should be removed as I provided notification. Please provide validation of debt from the original creditor, please provide the proof that I notified them that I moved out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I reached out to the company and stated the following : I am contacting you guys to appeal my account closure. Ive explained to numerous of associates that all my personal belongings were stolen during my time period of XXXX XXXX XXXX I received notice that my account was hacked and ultimately closed by you guys. Please understand. CHIME STILL WILL NOT OVERTURN THE DECISION EVEN AFTER LETTING THEN KNOW ALL THE DETAILS OF MY SITUATION! I LITERALLY HAD NO CONTROL OVER MY ACCOUNT OR FINANCES DURING XXXX! Attached to my complaint is proof of the account compromising. Someone disputed my transactions in order to gain funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: PA

Complaint narrative:
I leased a new vehicle in XXXX. US Bank is the lease holder. I have never received a statement from them. Then in XXXX I received an email that my payments were late and that I would get a {$25.00} late fee. I contacted the bank by phone and set up Auto Pay. They assured me it was set up. Since then I have been receiving letters stating that that they are returning my payment because : NO ACCT/ CAN NOT LOCATE I then get an email stating that my account is past due and I owe late fees. I pay on line - and asked for paper statements. The same thing has happened in XXXX, XXXX, XXXX and now XXXX. I have tried calling over 35 times. Their phone ( XXXX ) doesnt pick up. While Im on hold approximately 1 minute into the call hangs up on me. Sometimes when I call the line simply says due to technical difficulties the call be completed. .... 35 times Ive tried to speak to someone I have sent emails with no response They are literally charging me late fees with no recourse ... and Im concerned impacting my credit. I am desperately just trying to pay - but no can be contacted. I believe they make it difficult to pay my bill and contact them so that they can charge me late fees. It is the worst customers experience Ive ever seen in my life. They should not be allowed to write leases or loans if they have an inability to service the loans. US Bank 's banking license should be revoked

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 2026-05-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding a disputed transaction that was denied by my credit card issuer, Bank of America. On XX/XX/XXXX, I made a purchase of {$100.00} over the phone using my Bank of America credit card. However, I never received the merchandise. After waiting for approximately one month, I initiated a dispute for merchandise not received. During the investigation, Bank of America requested proof that I did not receive the item. As a customer, it is not possible to provide evidence of non-receipt. The merchant has acknowledged via email that the package was returned to their warehouse. This clearly indicates that the item was not delivered to me. However, Bank of America stated that this information was insufficient and declined my dispute due to lack of documentation. As a result, the payment has been released to the merchant, while I have neither received the goods nor a refund. I am now in a situation where both the merchant and the bank are refusing responsibility : The bank declined my dispute despite the lack of delivery. The merchant refuses to issue a refund, citing the existence of the dispute. I request that Bank of America : 1 ) Reconsider and reopen the dispute based on the fact that the merchandise was never delivered. 2 ) Clarify what constitutes acceptable proof of non-receipt in such cases. 3 ) Ensure that I am not held financially responsible for goods that I did not receive. I believe this outcome is unfair and inconsistent with consumer protection standards for credit card transactions. Thank you for your attention to 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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XXXX, I was the victim of a deception scheme in which three individuals fraudulently used my debit card to withdraw {$4000.00} from my checking account in two transactions of {$2000.00} each. The funds were sent to a XXXX account labeled XXXX XXXX XXXX XXXX XXXX XXXX I had authorized only a {$10.00} transaction. The additional {$3900.00} was withdrawn without my authorization and exceeds the scope of any consent I provided. The fraudsters used a payment terminal manipulated to display {$10.00} while processing {$4000.00}. I filed a police report with the XXXX Police Department ( Report No. XXXX ), which classified this as Deceptive Practice. I filed a fraud claim with Wells Fargo which was denied twice. Wells Fargo misclassified this as a merchant dispute, citing " there is no indication the service is different from the merchant 's description '' as the basis for denial. This is the wrong standard. This is an unauthorized electronic funds transfer under Regulation E I never authorized {$4000.00} in withdrawals. The scope of my authorization was {$10.00} only. Immediately following the unauthorized transactions, I paused my debit card, demonstrating that I recognized fraudulent activity had occurred and took immediate action to prevent further unauthorized use. I also met in person with a Wells Fargo banker to attempt to resolve this matter, demonstrating my good faith efforts to work directly with the bank before escalating. Wells Fargo then told me they could not reopen the claim and directed me to contact XXXX directly, despite the payment not going through my XXXX account. Provisional credit was issued and subsequently reversed, leaving my account at approximately- {$3700.00}. Additionally, the fraudsters attempted multiple further unauthorized charges on my card beyond the {$4000.00} that was successfully withdrawn, which Wells Fargo declined. I have receipts documenting these additional unauthorized attempts, which further demonstrate this was a deliberate fraud scheme and not an authorized transaction. I am requesting that the CFPB require Wells Fargo to reopen this claim and evaluate it correctly under Regulation E as an unauthorized electronic funds transfer exceeding the scope of authorized use, and to reimburse the {$4000.00} fraudulently withdrawn from my 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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I received a credit card from Wells Fargo " XXXX XXXX XXXX XXXX XXXX '' card with my name and an account number. I also received a letter from Wells Fargo they were unable to approve my application for a " XXXX XXXX XXXX '' credit card. But the XXXX XXXX XXXX XXXX XXXX card was opened under my name. I did not sign up for or apply for either of these credit cards. I have called Wells Fargo and cancelled 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 non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Someone stole my money from my account they said it was authorized. I did not know that they let someone steal my money it was not authorized and I want my {$3000.00} back I didn't authorize it but they said it was authorized no it wasn't......

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation