vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
So I have aura, which is identity protection, and it monitors my Social Security number, and I was notified that Wells Fargo had checked my credit report a couple weeks ago. I thought that since I have a credit card with them, this must just be them, maintaining my profile by checking my XXXX XXXX so I dismissed it. But then I got another XXXX alert, saying that a new account had been opened in my name so I called Wells Fargo and no one behold a checking account was opened automatically without my permission. So I called in and asked them to provide information and they told me they didnt have any, and then the representative was kind of hinting that XXXX do whatever I want him to do, but if he wants me to close it, he will. Which is kind of implying that I should close it, which is what made me start searching this up. So I closed my account and now XXXX making a complaint. Wells Fargo is known for these unauthorized account activities so XXXX just documenting this for a formal complaint in hopes that somebody will initiate another class action lawsuit for them doing this because not everybody has identity protection like I do. If I didnt have aura identity protection, I wouldve never known that this account was even open in my name because they were sending all documentation electronically regarding it as well. XXXX half tempted to just close my Wells Fargo credit card altogether to be honest because I just dont trust my information with them.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
XXXX DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX DEBT 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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I scene my credit report showing a credit drop. Call the credit agent 's that dropped my credit. XXXX was used to purchase XXXX phones under my social security number and a false address and phone number linked to account. Filed fraud report with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
LVNV Funding attached wages while I was receiving state benefits for myself and minor child, causing extreme hardship during holidays ( XX/XX/XXXX ) not being able to pay bills and creating late fees. This caused severe emotional distress and anxiety. Upon telling them it was illegal they released the funds back to me. A few weeks ago I went to the supermarket to purchase groceries and my bank card was declined which was impossible as my check just went in that day. ( XX/XX/XXXX ) They placed a writ of attachment draining my whole account. I live paycheck to paycheck and this has been going on for few weeks now I have tried to make a settlement even though the debt is not mine to have my account released as it is causing financial harm on my accounts and current bills. They refuse to help or listen they harass bully and have no regard to someone trying to survive paycheck to paycheck. This is a very old debt and i have tried to fight several times

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone breached the XXXX security on my laptop and was able to access the password for my Wells Fargo ( WF ) Online Banking. I noticed unauthorized transactions on XX/XX/year>. On XX/XX/year>, I updated my XXXX XXXX XXXX I also changed my online credentials for my Wells Fargo accounts and closed the two WF accounts that had unauthorized activity On the evening of XX/XX/year> an unauthorized online transfer occurred in my WF account XXXX ( Rental ) and the funds were moved to my WF account XXXX ( Everyday Checking ) On XX/XX/year>, XXXX unauthorized transactions were made from my WF XXXX account to XXXX XXXX XXXX XXXX XXXX accounts I noticed the unauthorized transactions on the morning of XX/XX/year> and called the WF online fraud department. We changed my online login credentials and password, shut down both of my checking accounts and opened new accounts, WF XXXX ( Everyday Checking ) and WF XXXX ( Rental ). During the call, the WF representative identified the person receiving the funds into their XXXX XXXX XXXX account as XXXX XXXX. This is not a person that I know and my assumption is that he is the fraudster. I did not authorize these transactions, totaling {$9200.00}, into his XXXX accounts. Wells Fargo told me that it would take XXXX business days to investigate my online fraud claim. I followed up with WF on XX/XX/year> and was told that they were still investigating. I went on a trip from XX/XX/year> to XX/XX/year> and did not monitor my WF online accounts while I was out of the country, for security reasons. When I returned, I learned that WF investigators had authorized the payments to the fraudster, XXXX XXXX and that the investigation is closed. Wells Fargo 's position is that the online transactions were made from one of my electronic devices and they have no evidence that they were unauthorized. They are disregarding the fact that I called and reported the unauthorized transaction on XX/XX/year>. I've been a customer of WF for 37 years and there is no logical reason why I would make the money transfers on XX/XX/year> and then call in a online fraud claim, change my online credentials and accounts. WF claims they need more evidence that it was an unauthorized transaction. I don't know what else I could have done. I followed the instruction for reporting fraud on their web page. Wells Fargo should have stopped and cancelled the unauthorized transactions when I called them on XX/XX/year>. I want Wells Fargo to reopen my claim and reimburse to me the {$9200.00} in unauthorized 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 2026-06-09 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I am filing this complaint regarding Wells Fargo 's denial of my claim for unauthorized electronic fund transfers. XXXX international money transfers were processed through XXXX using my Wells Fargo debit card information : XX/XX/year> : {$1800.00} XX/XX/year> : {$2000.00} XX/XX/year> : {$2000.00} I did not authorize any of these transactions. I have never used Remitly, never opened a XXXX account, and was not familiar with the company prior to discovering these transfers. I did not provide my debit card information to Remitly or authorize anyone else to do so. Upon discovering the unauthorized transactions on XX/XX/year>, I immediately contacted Wells Fargo and reported the fraud. I also filed a complaint with XXXX. Wells Fargo denied my claim, stating that my physical debit card was still in my possession at the time of the transactions and that no additional transactions occurred after the card was blocked. These facts do not establish that I authorized the transactions. Unauthorized use of debit card information can occur without physical possession of the card. To date, Wells Fargo has not provided evidence demonstrating that I initiated or authorized these transfers. I request that Wells Fargo provide a complete copy of its investigation, identify the evidence relied upon in denying my claim, and reopen the investigation consistent with its obligations under the Electronic Fund Transfer Act and Regulation XXXX. Did Wells Fargo investigate and find answers to important questions : How was a Remitly account opened? What email address was used? What phone number was used? What IP address and device were used? Who received the overseas funds? The fact that my physical card remained in my possession does not establish authorization. Unauthorized card-not-present transactions can occur without the card ever leaving the owner 's possession. Can Wells Fargo provide evidence linking me to the Remitly account or transfers, not merely evidence that the card number was used.

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 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Back in around XX/XX/year>, my XXXX was restricted because I attempted to withdraw a sum of money. I called the number instructed and they told me to upload 4 months of bank statements which I did multiple times. Every time, there was no communication and upon calling, they just told me that back office couldn't process them with no timeline or next steps. On XX/XX/year>, I received an email telling me that my account was closed with no warning and that I will be receiving a check to my address for the remaining balance on record. However, I recently moved back to XXXX and have not had the chance to update that address yet. Upon calling, they told me that the check has already been mailed out and so I asked them to void it or put a stop on it. They responded that they weren't able to do that and that I'd have to provide a new mailing address within the XXXX. So I decided I would mail it to a trusted friend. I called back the next day and they told me they couldn't verify my ID since I don't hold a XXXX ID. I was instructed to book an appointment with XXXX which I did on XX/XX/XXXX. Everything went well, I waited XXXX business days and called back on XX/XX/XXXX. Here 's the current state of things : - Support informed me that the address update must be completed via a form on the americanexpress.com portal. Unfortunately, since the account is now closed, the portal is no longer accessible to me and returns an error upon login ( see screenshot ). - I asked them if they could at least void the check out of security purposes since there was a lot of money ( ~ {$9000.00} ), but they said that they could NOT and that the only way was through the online portal in which I had to physically mail the document to AMEX or fax it. - I was not aware of the pending account closure and have not yet been able to clarify the reason for it, which has made managing this transition particularly difficult from abroad.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint regarding American Express dispute reference XXXX, transaction amount {$2500.00}, merchant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , transaction date XX/XX/year>. I disputed this charge because both rooms assigned to my party at the XXXX XXXX XXXX ( rooms XXXX and XXXX, stay dates XX/XX/year> ) contained visible mold, moisture damage, and deteriorating surfaces. My mother has XXXX and experienced health symptoms throughout the stay as a result of the conditions. The hotel generated its own incident report titled XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Guests Report Mold in Their Room ) confirming the presence of mold, persistent humidity, and the health impact on my wife. This is the merchant 's own written documentation, not my allegation. I submitted this incident report along with photographic evidence of mold at the room 's AC/ventilation unit, walls, ceiling seams, and door frames to American Express . Despite this evidence, Amex closed dispute XXXX in the merchant 's favor on the basis that 'services were rendered. ' A room change was offered by the hotel after the mold exposure had already caused health symptoms this does not constitute adequate remedy. The accommodation was unsafe, uninhabitable, and materially different from what was represented at booking. I am requesting that the CFPB require American Express to reconsider this dispute in light of the merchant 's own documentation confirming the hazardous conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
XX/XX/year> paid {$520.00} by XXXX XXXX, fees told to me by Santander to redeem repossession and pick up vehicle at impound lot. XX/XX/year> Flew to Arizona to impound yard to get vehicle released after payment was verified receipt. XX/XX/year> Made payment to Santander of {$300.00}, eventhough message system stated to pay {$84.00}. I felt this was internal error due to redeemed repossession and made full payment due according to contract. XX/XX/year> To verify internal error had been corrected and message system was now stating {$750.00}. was now due. I requested to speak to an agent, agent stated the fees were repossession fees and would escalate to Supervisor for me to wait for return call. XX/XX/year> I made contractual payment of {$300.00}, while still awaiting review. XX/XX/year> Spoke with agent and she told me she was affirming the charges were valid and due stating they received invoices after the redeemed repossession from impound lot. I told her that when I went to impound lot they never stated their were any other fees due and released vehicle to me because they verified payment had been received by Santander the lienholder. Agent told me again fees were correct and due. I told her these were deceptive practices by charging the account retroactively when said payment was already made, no new fees were added to account until after XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
I had a XXXX XXXX card for use with a boat security system. I sold my boat and tried to cancel my service. T mobile does not have an online way to cancel a service so that you can document your cancelation. Instead, they require you speak to a retention agent. I spoke to that agent and cancelled service, and then cancelled my auto payment. I was harassed into an attempt by XXXX to keep the service but DECLINED despite the pressure tactics used. My service was to be cancelled and they told me it can take XXXX to XXXX hours to actually cancel, which should not be legal. Later I kept receiving bills for late fees and additional charges for late fees, despite the fact that I cancelled and had XXXX usage. I called again and they advise that the original agent never did cancel and they would take care of all the late fees and actually cancel the service. I asked for a supervisor and they denied my request. It does look like the last agent did cancel my service but they still charged the late fees for service AFTER I cancelled and eventually gave that to the collection agency Diversified Services. I used the portal for Diversified and disputed the charge ( see attachment email that they never responded to ). They never responded and instead, have now tarnished my near perfect credit record for {$390.00} which was never owed and was never for usage of XXXX services,. it was all for late fees for a subscription that should have been cancelled. It should not be legal for XXXX to not allow a cancelation via their online platform and to require you speak to a retention agent where you can not document the call and they are have financial incentive to not allow you to cancel. This is a clear conflict of interest on XXXX part! I request that XXXX and Diversified service remove they claim on my credit report and issue a written release and update my credit report that this was disputed and resolved in my favor so my XXXX XXXX is not affected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: AZ

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX collection account appearing on my credit report. I dispute the accuracy, completeness, and verifiability of this account. I previously sent a debt validation request directly to XXXX XXXX XXXX XXXX requesting documentation supporting the alleged debt, including proof of ownership, account history, chain of assignment, and authority to collect. The information provided has not adequately substantiated the account. Additionally, this account was previously removed from my credit file and later reappeared. I do not recall receiving notice of reinsertion. Pursuant to the Fair Credit Reporting Act, I request a reasonable reinvestigation of this account and request that the furnisher provide competent documentary evidence supporting the reporting of this tradeline. Please verify : 1. The original creditor. 2. The complete account history. 3. The amount being reported. 4. The date of first delinquency. 5. The furnisher 's authority to report the account. 6. The basis for any reinsertion of previously deleted information. If the information can not be verified as complete and accurate, I request deletion of the tradeline from my credit report. Please provide the results of your investigation and the method used to verify the disputed information.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
No knowledge of account, this is due to identity theft and fraud, bad address and personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a business credit with Bank of America on XXXXXXXX for my business XXXXXXXX XXXX XXXX XXXX. On XXXX i received noticed that the request was denied. I requested an adverse action letter being that my personal credit was used to determine the final decision. As of XXXX, I have not received this letter or reason as required by the 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX. SYSTEM, XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief