vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of a billing dispute involving a duplicate charge from the same merchant, as well as the lack of timely communication and the unreasonable burden placed on me to obtain claim updates. 

In XXXX, I was charged twice in error for a recurring personal training service. After escalating the matter with the merchant and receiving a refund, I acted in good faith by lifting the restriction on my account to allow recurring payments to resume, with the reasonable expectation that billing would thereafter be handled correctly. 

On XX/XX/XXXX, I was again charged {$750.00}, despite my service agreement clearly reflecting a recurring charge of {$370.00}. Both my Wells Fargo account statement reflect the overcharge and the merchants app payment history show evidence of a duplicate charge. 

I initially filed the claim through Wells Fargos online portal, after which it was closed approximately XXXX XXXX  later without resolution. I contacted Wells Fargo to reopen the claim and was instructed to submit documentation reflecting the correct charge amount via email. I promptly complied by providing screenshots of the payment history and the signed service agreement confirming the correct recurring charge amount. I was advised during that call that I would receive an update within XXXX days, which did not occur. 

When I later contacted Wells Fargo for a status update, I was informed for the first time that I was required to provide additional documentation from the merchant stating that the charge was an overcharge. I asked how I was expected to obtain this documentation and was told that the only way to receive any updates on my claim was by calling the claims department directly. 

I believe this process is unreasonable and inconsistent with fair dispute-handling practices. I had already provided sufficient documentation to demonstrate a billing error, and it is inappropriate to place the burden on the consumer to repeatedly call for updates or to obtain confirmation from a merchant.

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 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
In early XX/XX/year> I was advised by my county tax commissioner in XXXX XXXX, XXXX, the property taxes on my home had NOT been satisfied that were due in XX/XX/year>. I have all funds held in escrow with Newrez, and note I have never made a late or missed payment. 
On XX/XX/year> I was advised payment was remitted. 
As of today, XX/XX/year>, XXXXXXXX XXXX XXXX XXXX called advising fees & penalties have been accessed and the taxes have still not been confirmed received. A lien against my property is in the process of being filed. I have made numerous attempts to get in contact with Newrez, to no avail. 
I have done all I can to remain in good standing and upheld my financial responsibilities. I am a single mother with limited funds and need help to get Newrez to uphold their obligation to service my loan in a timely & professional manner.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
ABLTY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABLTY 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 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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently reviewed my Experian credit report and discovered multiple accounts that are inaccurate, unauthorized, and the direct result of identity theft. These accounts were not opened, authorized, or incurred by me, yet Experian continues to report them as valid. 

The inaccurate accounts include but are not limited to : XXXX XXXX, XXXX XXXX, XXXX Account Number, XXXX XXXX XXXX  Account Number, XXXX XXXX XXXX, all of which are being reported with balances and dates I dispute as fraudulent. 

I have been a victim of multiple documented data breaches, including Experian , XXXX, XXXX, XXXX, and XXXX, which compromised my personal identifying information. I have submitted sufficient proof of identity theft, including an Identity Theft Affidavit, court affidavit, government-issued identification, Social Security documentation , credit report screenshots verifying the inaccuracies, and evidence of the data breaches.

Pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ), Experian is required to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under 15 U.S.C. 1681c-2 ( FCRA 605B ), Experian is legally required to immediately block identity-theft-related information upon receipt of proper documentation. Experian continued reporting of these accounts constitutes a violation of federal law.

I am formally demanding the immediate blocking and permanent deletion of all identity-theft-related accounts listed above and written confirmation of compliance. Failure to correct these violations may result in further regulatory and legal action.

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 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UPGRADE, INC.
State: NC

Complaint narrative:
On XXXX XX/XX/year> I sent Upgrade Inc. a written owner identification request under 15 U.S.C. 1641 ( f ) ( 2 ) of the Truth in Lending Act ( TILA ). Section 1641 ( f ) ( 2 ) requires a servicer who is not treated as the owner of the obligation to provide, upon written request by the obligor, the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. My letter asked for : 1. The full legal name, address, and telephone number of the current owner or assignee of the Upgrade account.

2. The name and contact information for any master servicer, collection agency, or debt buyer is authorized to act on behalf of the owner.

3. The dates when the account was charged off and the date ( s ) and recipient ( s ) of any sale, assignment, or transfer.

4. The names and addresses of any subsequent assignees. 
The purpose of the request was to clarify the chain of title and ensure that any credit reporting was being done only by entities with a lawful ownership interest and permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, Experian, and Equifax. 

Despite multiple written disputes submitted directly by me, the consumer reporting agencies continue to publish inaccurate, incomplete, and inconsistent credit information in my consumer file. The same accounts are reported differently across bureaus, including conflicting dispute indicators, account statuses, dates of last activity, closed dates, creditor classifications, and balances. 

Specific examples include : Accounts marked as disputed by consumer with XXXX bureau but reported as not disputed with others Conflicting closed dates and last activity dates for the same account Collection accounts reported by only XXXX bureau with no corroboration from the others Accounts missing required XXXX XXXX data fields such as payment history, date of first delinquency, or original creditor Creditor type misclassification ( e.g., collection services, factoring, or other ) for the same account Repeated last verified updates without any corresponding correction, suggesting automated or unreasonable reinvestigation These inconsistencies demonstrate a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Automated verification alone is not sufficient when the data itself is contradictory or incomplete. 

The continued reporting of these inaccuracies is causing ongoing harm to my creditworthiness and access to credit.

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 2026-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint regarding ongoing violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, Experian, and Equifax. 

Despite multiple written disputes submitted directly by me, the consumer reporting agencies continue to publish inaccurate, incomplete, and inconsistent credit information in my consumer file. The same accounts are reported differently across bureaus, including conflicting dispute indicators, account statuses, dates of last activity, closed dates, creditor classifications, and balances. 

Specific examples include : Accounts marked as disputed by consumer with XXXX bureau but reported as not disputed with others Conflicting closed dates and last activity dates for the same account Collection accounts reported by only XXXX bureau with no corroboration from the others Accounts missing required XXXX XXXX data fields such as payment history, date of first delinquency, or original creditor Creditor type misclassification ( e.g., collection services, factoring, or other ) for the same account Repeated last verified updates without any corresponding correction, suggesting automated or unreasonable reinvestigation These inconsistencies demonstrate a failure to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a failure to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). Automated verification alone is not sufficient when the data itself is contradictory or incomplete. 

The continued reporting of these inaccuracies is causing ongoing harm to my creditworthiness and access to credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX about XXXX am I went online to check my bank balance. I found my account had been compromised and I had {$8.00} in it when there should have been over XXXX. I immediately filed a dispute and also called to speak with someone. After I explained the situation she told me to calm down, they would investigate it and I should have my money back in my account no later than XX/XX/XXXX. This is with Chime. The illegal unauthorized transaction was done through XXXX. I contacted them as well and filed a dispute. To my horror, both Chime and XXXX denied my dispute and said it was an authorized transaction when it was not. I have filed a police report and have contacted chime to re open my dispute. Im XXXX XXXX XXXX, XXXX and that money was my social security deposit from last week. I need that money to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I received a Dave XXXX advance totaling {$300.00}, with fees bringing the settlement amount to {$300.00}. I authorized Dave to debit a single payment of {$300.00} on XX/XX/XXXX. That debit failed due to insufficient funds. 

After that, Dave made XXXX unauthorized withdrawals without my consent : {$5.00} on XX/XX/XXXX, {$5.00} on XX/XX/XXXX, {$5.00} on XXXX, and {$2.00} on XX/XX/XXXX. These withdrawals were made using both XXXX and XXXX debit. I did not authorize multiple or variable withdrawals, and I did not authorize any payments after XX/XX/XXXX. 

On XX/XX/XXXX, I contacted Dave via in-app chat to revoke authorization and stop further debits. Dave acknowledged my request but stated they cant complete this request and later stated theres no stop. Dave also refused to refund or credit the {$17.00} already taken, and my balance still shows the full {$300.00}. Dave additionally withdrew XXXX of these amounts from my Dave Checking account, which was never authorized for XXXX repayment, and is now blocking me from closing that account. 

Daves actions violate Regulation E and the Electronic Fund Transfer Act by processing unauthorized electronic fund transfers and refusing to honor my stop-payment request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX I was sent an email from the finance department XXXX XXXX XXXX XXXX - XXXX XXXX- with ( XXXX ) attachments. XXXX. An XXXX spreadsheet showing all open items on our account. ( This is usual behavior from XXXX ). XXXX. There was an attachment with ACH-Wire Instructions ( .XXXX  ). I can attach a copy. This email showed nothing suspicious that I saw, and I complied. Changing the ACH infor for the next ( XXXX ) payments. In XXXX, my statement from XXXX XXXX showed that I still owed for those invoices. Upon investigation with the real XXXX XXXX, it came to light that her emails account had been hacked. The name appearing in the emails to me was : XXXX, not XXXX. This was on XX/XX/XXXX. My bank- XXXX XXXX- was notified immediately. The new ACH-Wire instructions were to send money to : Truist Bank XXXX XXXX # XXXX, acct # XXXX, XXXX XXXX # XXXX. The ( XXXX ) payments were XX/XX/XXXX - {$53000.00} and XX/XX/XXXX - {$6500.00}. Both came out of my bank and went to the account at Truist Bank. 

Suspiciously, on XX/XX/XXXX - my email was hacked and sent out emails with an attachment for a " XXXX Account XXXX ''. I received many phone calls saying they could not open the file. I advised them to delete the email and that it was hacked. I will attach some of those also, as I feel it is probably the same hacker.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
Numerous complaints against TD Bank for their illegal and deceptive practices as well as refusal to update account information. They have had an incorrect address on file for me for over XXXX  years - an address on the other side of the country where I have never lived. I have repeatedly tried to update it. I am XXXX and XXXX XXXX XXXX  and they have no XXXX accessible way to reach out so a phone call is not an option ( it shall be noted that a relay call still involves speaking to an operator ). Only after filing numerous complaints did they agree to let me send my address online to them to update it. That was their official response to the complaint. That was a month ago AND MY ADDRESS IS STILL INCORRECT IN THEIR SYSTEM with again no way to update it. This is especially egregious as I have had other problems with my account and they refuse to respond to my complaints online, saying they " will mail a response '' knowing full well they are sending my personal banking information to a random address that is not mine - or that's just their excuse to not respond at all because they are an absolutely terrible bank and after experiencing this it is no wonder they receive more complaints on CFPB than almost any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I use my Cash app card to make a purchase for XXXX. It was a one time purchase a few months later I look on my cash app and {$30.00} was taken out for a purchase at the place that I made the purchase at. I did not go back online and make another purchase with them. I went online they do not show me making this purchase. I showed Cash app the receipt saying that I did not make that purchase and they still wont give me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home 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: AL

Complaint narrative:
Selene XXXX  XXXX ; Currently, I am 142 days behind but when I offer to make two payments, and schedule another one in a couple of weeks, they will not take the payments, which would bring me between 60 and 90 days late, below the range of foreclosure. I have called and emailed and am ignored. Why are they allowed to purposely let me fall further behind? This will force me to pursue XXXX bankruptcy. I am sending in paperwork for loan modification, etc. but this company does not have a great track record of working with customers. My mortgage was transfered to Selene last XXXX. 
Thanks for any help you can give me. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: TGA
State: NY

Complaint narrative:
A law firm accessed my consumer credit report and placed a hard inquiry without my authorization and without a valid, verified debt. I have never retained this firm, never consented to a credit inquiry, and immediately disputed the alleged debt once I became aware of their actions.

The firm claims a permissible purpose based solely on unverified representations from a third-party landlord, yet has failed to produce any admissible proof that I owe a valid, enforceable debt or that the inquiry was necessary, accurate, or proportionate. No court judgment exists, the alleged account is disputed, and the firm continues to rely on conclusory statements rather than evidence.

Once a debt is disputed, continued access to a consumer report without heightened verification exceeds the scope of good-faith review and constitutes a violation of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681b ( f ) and 1681e ( a ). The hard inquiry caused harm to my credit profile.

I have formally demanded deletion of the inquiry and written confirmation. This complaint is submitted to document the improper inquiry, preserve my rights, and seek corrective action, including immediate deletion of the hard inquiry and cessation of any further access to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, Tower Loan contacted my sister by phone and text message and disclosed my private loan information without my consent. They provided her with my account number and the exact amount of my debt. Initially, my sister was confused and she called them to find out what they were talking about. Then they let her know that the account and debt belonged to me and that she was listed as a reference on the loan application. During this call, Tower Loan representatives asked my sister whether or not I was working at school. She disclosed to then that she is only a reference for the application, and is in no way related to the debt and that they should contact me. They later contacted her again and stated that my tax refund could be used to settle the debt. 

I never authorized Tower Loan to discuss my account, debt amount, or personal financial information with my sister or any third party. These communications were not limited to locating information and included specific details about my loan and personal financial status. 

In addition to phone calls and text messages, Tower Loan repeatedly sent electronic monthly loan statements to my email address at all hours of the day and night, including overnight. These emails were sent multiple times over a short period and contained loan-related information. The repeated timing and volume of these electronic statements caused ongoing distress and embarrassment and represent continued unauthorized disclosure of my personal and financial information. 

Despite the issue being identified, the communications continued. This pattern of conduct reflects improper third-party contact, repeated unauthorized disclosures, and harassment. I am requesting that this matter be investigated and that corrective action be taken.

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