vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Recently reported this debt resulting from identity THEFT ORIGINAL CREDITOR IS MACYS

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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: IL

Complaint narrative:
On XX/XX/year>, my international transfer of XXXX USD ( XXXX EUR ) was rejected and returned through the SWIFT system. As of today, the funds have not been credited back to my Wise account. More than XXXX business days have passed, and the transaction remains in progress. XXXX tracking shows the funds are delayed within intermediary banks ( including XXXX ), but Wise has failed to take action. I contacted Wise multiple times requesting a XXXX trace ( XXXX ), the location of funds, and intermediary bank details. They did not provide clear information and stated they have no additional details. Wise has not taken responsibility or initiated proper investigation, leaving my funds unaccounted for within the banking system. I request immediate action to trace and return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding a debt collector that engaged in deceptive practices. On XXXX XXXX Before making payment, I explicitly asked the representative multiple times whether the collection account would be removed from all three credit bureaus upon payment. The representative confirmed that the account would be deleted and also stated that the call was recorded. Relying on this representation, I paid the balance that was requested. However, after payment, the collection account has not been removed, and I never received the promised written confirmation. This is misleading because I would not have agreed to payment without the assurance that the account would be deleted. The XXXX statements induced payment under false pretenses. I request that the collection account be removed from all credit reporting agencies as originally promised, or that this matter be investigated as a violation of fair debt collection practices. I am requesting a copy of the recorded call referenced by your representative regarding my account. During that call, I was assured that the collection account would be deleted upon payment. Please provide the recording or transcript for my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I tried setting up a XXXX XXXX for my computer and couldnt verified my bank account statement which I did everything correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
CFPB FOLLOW-UP WHAT HAPPENED WITH CLAIMED INVESTIGATION In my original complaint, I explained that an auto loan was opened in my name without my knowledge or authorization around XX/XX/year>, with an original balance of approximately {$53000.00}. After submitting my complaint and identity theft documentation, the company responded stating that they attempted to verify my identity and concluded the account is accurate. However, their conclusion appears to be based on issues related to my identification documents rather than proof that I authorized the account. Specifically, the company stated that my Social Security card appeared tampered and that my identification could not be validated through DMV records. These issues are directly related to the identity theft I reported. My identification was impacted as part of the fraudulent activity, including my ID being canceled due to misuse of my identity. The company has not provided any documentation showing that I : Applied for the loan Signed any contract Took possession of any vehicle Instead, they relied on the condition or status of my identification documents to conclude the account is valid. I have already : Disputed the account with the credit bureaus Filed an official Identity Theft Report with the Federal Trade Commission Provided notice that this account was opened without my authorization Despite this, the account continues to be reported as mine. This is not a proper investigation. The presence of identity theft should require verification of authorization, not a conclusion based on document irregularities. WHAT I AM REQUESTING I am requesting that the company : Delete the account from all consumer reporting agencies immediately Cease reporting and any further activity related to this account Correct their records to reflect that this account was opened as a result of identity theft If the company maintains that the account is valid, they must provide actual documentation showing that I authorized the account, including a signed contract and proof of vehicle possession. The account was not opened by me, and continued reporting is causing ongoing harm. As part of resolving this identity theft situation, I am currently in the process of correcting and updating my identification documents. My identification was affected due to the fraudulent activity, which has required me to work with the appropriate agencies to restore accurate records. Please also note that I am currently XXXX months XXXX, so there may be slight delays as I complete this process. I am actively working to provide any necessary documentation as quickly as possible.

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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a victim of identity theft involving multiple unauthorized accounts and fraudulent financial activity that has been ongoing for approximately XXXX months. This has been a repeated and unresolved issue, not an isolated incident. Despite reporting the fraud and identity theft through proper channels, the unauthorized activity has continued, and the matter has not been properly resolved. The fraudulent activity includes accounts and charges that I did not open, authorize, or benefit from. These accounts and transactions are not mine and must be treated as identity theft. Specifically : All activity associated with XXXX outside of my authorized XXXXXXXX XXXX XXXXXXXX credit card is fraudulent. I have one authorized XXXX credit account with a {$10000.00} limit through XXXX XXXX. Legitimate charges should only appear as a single monthly statement from XXXX XXXX. Any additional XXXX charges, XXXX XXXX XXXX activity, or direct XXXX billing is unauthorized and fraudulent. Any accounts or charges associated with XXXX XXXX are fraudulent and not authorized by me. Any accounts or charges associated with XXXX XXXX are fraudulent and not authorized by me. Any accounts or activity associated with XXXX that are not in my name or not created by me are fraudulent. Any accounts or transactions associated with XXXX that are not in my name are fraudulent. Any activity associated with XXXX accounts not opened and maintained directly by me is fraudulent. Any activity associated with XXXX accounts not created and operated by me is fraudulent. I did not open, authorize, or benefit from any of these accounts or transactions. This represents ongoing unauthorized use of my identity. I have maintained approximately XXXX months of documentation, including account statements, transaction histories, and correspondence, demonstrating the repeated nature of this fraud and the failure to resolve it. This matter must be treated as ongoing identity theft and investigated accordingly. I also experienced situations where provisional credits or fraud-related reimbursements were issued and then later reversed without proper justification or explanation. These reversals resulted in additional financial harm, including account instability and loss of access to funds that had been credited during the fraud investigation process. The reversal of these credits further demonstrates improper handling of my fraud claims and failure to resolve the matter appropriately. Any credits that were issued in connection with disputed or fraudulent transactions should not have been reversed unless a valid and properly supported determination was made. I am requesting full reinstatement of any reversed credits related to fraudulent activity, along with a complete explanation of any such reversals.

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 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I DISPUTE COLLECTION ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DID NOT AUTHORIZE OR ENGAGE IN THESE 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 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: FL

Complaint narrative:
I am a Charles Schwab checking account holder who was temporarily overseas on a business trip. Three days before my scheduled travel, Schwab locked me out of my account and suspended my debit card, effectively trapping me in-country with no access to my money. What began as a routine online login lockout escalated into a full suspension of my debit card under circumstances I believe to be unreasonable and harmful. After being locked out of my online account, I contacted Schwab by phone to resolve the issue. During that call, I specifically asked whether my debit card was still active and functional. The agent confirmed that it was, and this confirmation was noted on my account. Shortly after that call, Schwab proceeded to suspend my debit card as well despite having just confirmed it was working. At no point was I given advance notice or a clear explanation for why a login issue warranted a card suspension. Schwab then requested that I submit a notarized letter along with a copy of my passport to verify my identity. I complied promptly, locating a notary overseas and faxing the completed documents to Schwab as instructed. After reviewing my submission, Schwab informed me that the documents did not meet their requirements despite the fact that multiple agents had previously confirmed the submission would be sufficient. No agent had communicated any additional requirements prior to my submission. As a result, I was stranded overseas with no access to my funds during a time-sensitive trip. Schwab has been unable to provide a clear timeline for resolution, stating only that it could take anywhere from 3 to 30 days. I have no alternative means of accessing my money. My funds are being held with no defined resolution path and no consistent communication from Schwab representatives, each of whom has provided contradictory information. SPECIFIC CONCERNS : 1. The lockout occurred three days before my scheduled travel, and Schwab 's actions left me stranded overseas with no way to pay for transportation, food, or essential expenses. 2. Schwab confirmed my debit card was active, then suspended it immediately after suggesting the suspension was triggered by my inquiry rather than any independent security concern. 3. I was given specific document requirements, complied fully, and was then told after the fact that my submission was insufficient with no opportunity to correct the issue before further restricting my access. 4. Multiple agents provided conflicting information about what was required to resolve the lockout, creating a pattern of inconsistent and unreliable communication. 5. Schwab has offered no definitive timeline, no interim access to my funds, and no emergency accommodation despite my being stranded overseas with no other payment method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
TO : Consumer Financial Protection Bureau RE : Formal Complaint against Wells Fargo Bank , N.A . ISSUE : Violation of EFTA/Regulation E, Bad Faith Account Termination, and Failure to Investigate Fraud. COMPLAINT : I am filing this formal complaint to request an immediate investigation into Wells Fargos predatory handling of my account. After XXXX years of impeccable loyalty and banking history, I am being subjected to what can only be described as " victim-penalizing '' behavior following my report of fraudulent activity. I recently identified and reported unauthorized transactions on my account. These charges were not approved by me, and I have no knowledge of where the funds were directed. Instead of fulfilling their statutory duty to investigate and reimburse these funds under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 15 U.S.C. 1693 ), Wells Fargo has chosen to summarily terminate my entire financial existence. I received an automated notice stating my account will be closed by XX/XX/year>. This decision was made with zero human interaction, no phone calls, and no opportunity to appeal. This account is the heartbeat of my livelihood ; it handles my direct deposit, my car payments, my credit cards, and every household bill. By forcing this closure, Wells Fargo is intentionally creating a state of financial collapse for a long-term customer who did nothing but tell the truth about a crime. This practice suggests a systemic policy of " de-risking '' victims to avoid the costs of fraud reimbursement. This is bad-faith banking and a clear violation of consumer protection laws. I demand that the CFPB intervene to stop the account closure, force a legitimate investigation into the fraud, and hold this institution accountable for their cold and aggressive disregard for a XXXX relationship.

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 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filed a claim for lost luggage on XX/XX/XXXX which is a benefit included in my card. Its been almost 3 months and they are stalling my claim. They have received all the documents and yet repeatedly on record request the same documents over and over. I called in MANY times and the inept reps on the phone constantly tell me the claim is going to be finalized in the next day or two. This has been happening for over 2 months. Its clear this befit is a SCAM as the insurance is acting in clear bad faith. I specifically used the card to book my flights hoping to have protection should any issue arise. However once the issue did arise they failed to provide the stipulated benefit. Chase bank is a scam and either they should provide me the benefit Im entitled to or Id like a refund of every single membership fee over the duration of my card existence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I currently have cryptocurrency held on the platform XXXX. Upon attempting to withdraw or transfer my funds, I encountered significant issues. Initially, I was charged {$3200.00}, followed by an additional charge of {$1600.00}. Subsequently, I was informed that I had not deposited the requisite amount, leading to a demand for an additional payment of {$1500.00}. Despite adhering to these requests, I am still unable to withdraw my total balance of {$100000.00} in cryptocurrency. This situation raises substantial concerns regarding the legitimacy of the platform 's operations. They lied and scamed me I reported the scam to the FBI, however they kept demanding money and not following through with the withdrawl of my crypto. It is all a scam and a lie and have since the FBI has alerted that website as scam. I never received a provisional credit, after 40 days I called the bank they said they had not spoken to the merchent and they would not give me a provisional credit. Transactions are as follows : XX/XX/XXXX XXXX transaction id XXXX {$3200.00} sent to XXXX XX/XX/XXXX XXXX transaction id XXXX {$1600.00} sent to XXXX I found the transaction info XX/XX/XXXX at XXXX transaction id XXXX {$1500.00} sent to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and fraudulent information reported on my credit file. The account in question is from XXXX XXXX XXXX, XXXX # XXXX, in the amount of {$3200.00}. These charges are invalid and should not be reported on my credit report. I resided in this apartment for only three months before discovering that the unit had a serious mold issue. The leasing office acknowledged the presence of mold, and I have retained multiple emails confirming this condition. Due to the unsafe living environment, I was released from my lease early. There is no eviction connected. At the time of my release, I was informed that the property would not be repaired and was being shut down. Despite this, I was later charged {$3200.00} in damages, which is both unfair and fraudulent. Because I was released from the lease due to uninhabitable conditions, I am not responsible for these charges. The reporting of this debt is inaccurate and is causing significant harm by preventing me from securing safe housing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be thoroughly investigated and removed from my credit report immediately. Please provide written confirmation of the results of your investigation. Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I open an account with Ally bank, in XX/XX/year>. After two deposits, in the amount of {$9900.00}, each, from my XXXX account, one on XX/XX/XXXX, and one on XX/XX/year>, the bank has frozen my funds on the suspicion of fraud. I called in fraud department, couple of times, I was verified responding to all the security questions, all the transactions, everything. I was told that I will be called back and that never hapened in the last 28 days. I tried to talk to the managers in the fraud department and they refuse me. So far they frozen {$9900.00} without reason ( one {$9900.00} was transfered to Coinbase on my account, after that, Ally, frozen my remaining balance of {$9900.00} ). My multiple calls to Ally end with nothing, no emails from them, no phone calls. Now I want to close the account, after this bad experience, and they failed again to do that. I attach the only letter I got from them since the XX/XX/XXXX th, XXXX when they froze my funds. Please HELP!

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 2026-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding my federal student loan serviced by Nelnet. Around XXXX, I became aware of a data breach involving Nelnet that compromised the personal information of millions of borrowers, including potentially my own. Since that time, I have had ongoing concerns about the security of my information and the handling of my account. Following this incident, I have experienced difficulty obtaining clear guidance and assistance from Nelnet regarding my account status and available options for relief, including loan forgiveness or discharge. I have made multiple attempts to seek support and clarification but have not received consistent or adequate responses. Additionally, I am concerned about the accuracy and fairness of how my account may be reported or handled. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to expect that any information reported about my account is accurate, complete, and properly investigated if disputed. I am requesting that Nelnet ensure full compliance with the FCRA, including conducting a reasonable investigation into my account and correcting or removing any inaccurate or questionable information. Given the data breach and the challenges I have faced in resolving my concerns, I am requesting a full review of my account and consideration for loan forgiveness, discharge, or other appropriate relief. I also request clear communication regarding my eligibility for any available programs. This situation has caused financial stress and concern about potential identity theft or misuse of my information. I am seeking a timely resolution and assurance that my account is being handled in compliance with all applicable federal laws and consumer protection standards.

Company response to consumer: Closed with explanation