vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Complaint Description : Identity Verification Error, Account Restriction, and Transfer Risk I am filing a complaint regarding a serious identity verification and account restriction issue involving my Robinhood brokerage account. My name is XXXX XXXX XXXX, and I maintain a Robinhood brokerage account with a balance in excess of XXXX figures. My account has been restricted due to an apparent identity mismatch involving my Social Security Number and Robinhoods internal identity verification records. It appears that my identity may have been incorrectly associated with that of my brother, XXXX XXXX XXXX. We are XXXX separate individuals who share the same first and last name but have distinct Social Security Numbers and identities. This issue became apparent when my brother attempted to open a Robinhood account and was informed that an account already existed under his identity, despite him never having created one. This suggests a possible misattribution or conflation of identity records within Robinhoods system. I reported this issue to Robinhood support and received a final response under Case ID : XXXX, stating that no error was found and that the decision would not be reconsidered. However, no explanation was provided addressing the discrepancy or identity conflict described above. I have also initiated an XXXX transfer to XXXX XXXX XXXX, and I am concerned that the unresolved identity restriction may delay, obstruct, or interfere with the accurate processing of this transfer. Desired resolution : 1. Full review of identity verification and account linkage records 2. Correction of any erroneous association between my identity and my brothers identity 3. Removal of restrictions preventing access to or transfer of my account assets 4. Confirmation that my account is correctly and exclusively associated with my identity and Social Security Number 5. Assurance that my XXXX transfer will proceed without improper delay or obstruction I am willing to provide full documentation verifying my identity and account ownership, as well as supporting information from my brother if required. Given the seriousness of an identity verification error impacting access to financial assets and an active transfer request, I respectfully request prompt review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
Santander Consumer USA has lied to me for nearly 4 years about the status of my loan, how my payments are applied, where my overpayments go, etc. Your online account has bare minimum information forcing you to call and speak with undertrained customer service representatives. You can call 5 times in a row and get XXXX different answers each time. I have been repeatedly told on record that my over payments are applied directly to my principle balance no matter what. I have multiple people telling me that over the course of 4 years. Then I hear differently from other representatives. But lately it has remained the same motto that is goes to principle. Suddenly is is different now and the representatives are talking me in circles, not giving me a supervisor, and advancing my overpayments to the next months payment without my permission and will not turn off this setting or get me to a supervisor. Thats the current problem. A few years ago as well I had a XXXX XXXX, had no PTO while I was healing, and then suffered multiple miscarriages. I was going to be late in my payment in order to pay my house in 2023. I asked XXXX different representatives to defer my payment to the end of the loan. I was repeatedly told Santander does not participate in that. This caused my payments to report late to the credit bureaus. Then I was desperate and asked again to defer. I was told it was possible this whole time and was deferred after a rude man spoke with me about my situation and acted like I was either lying or exaggerating my health issues. Then got a half baked apology from a random representative about how theyre sorry I wasnt given accurate info. Tell that to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
XXXX XXXX, XXXX, XXXX and Experian removed XXXX XXXX XXXX XXXX accounts in good standing to this date with {$3000.00} in available credit about XXXX months ago dropping my score almost XXXX points. Then they removed an account XXXX XXXX XXXX with credit {$1500.00} in good standing to this day, all of the accounts, without my permission. They retained all the inquiries for these accounts dropping my score again. They will not remove them although they removed the accounts in good standing and dropped the scores again. I have {$4700.00} credit in good standing over 2 years plus and they will not place them on my credit while retaining the hard inquiries for XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. These are my accounts and I have had many troubles with someone who uses my name in the past where I resided and I suspect Credit Fraud. XXXX XXXX

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 2026-04-30 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: GA

Complaint narrative:
On XXXX my card was used in Indiana at a XXXX fuel pump in the amount of {$96.00}. Once the app notified me I called the bank Wells Fargo and notified them that the charges were fraudulent as I live in XXXX Ga and was at work at the time in XXXX and was in possession of the physical card and no such transaction was authorized by me. I was given a temporary credit. On XXXX/XXXX the charges were reversed. When I called Wells Fargo I was told the claim was denied by XXXX stating they had exculpatory evidence that made the charges valid. When I ask what evidence I was first told he didnt have that info. He gave me a number to called and they advised me to contact my bank. I called back this time the rep provide the evidence by reading to me the statement provided by XXXX which was your customer did in fact make this transaction at the pump using the XXXX pay app that required biometrics with that we conclude the charges are valid and the claim is denied. My argument to the bank is how is it that apparently a hacked XXXX app allowed by XXXX where my card was used without my authorization in a completely different state a valid charge! I called the bank immediately after funds were removed and went through all the protocols like ordering a new card. Never understanding that the card was used through the XXXX app until the claim was denied! Now XXXX is giving me the runaround and Wells Fargo is saying its nothing they can do is have to reach out to the merchant! But I bank with Wells Fargo and it was my Wells Fargo card that was used fraudulently!

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
* * Complaint Against Wells Fargo Lack of Clear Disclosure of Promotional Terms * * I am filing a complaint regarding a Wells Fargo credit card account opened on XX/XX/year>, which I subsequently closed. I applied for the Wells Fargo XXXX Card based on promotional materials advertising a 0 % introductory APR for purchases and qualifying balance transfers. This promotional offer was a key factor in my decision to apply. After the account was opened, I was informed by Wells Fargo that I was not eligible for the 0 % introductory APR due to prior account history within a 48-month period. This restriction was not clearly disclosed to me during the application process in a manner that allowed me to make an informed decision prior to accepting the account. As a result, I opened a credit account under terms that differed materially from the advertised promotional offer. I am requesting : 1. A formal review of the disclosure practices related to this offer 2. Written clarification of where and how this eligibility restriction was presented prior to account approval 3. Consideration of appropriate remediation due to lack of clear and transparent disclosure I can provide supporting documentation upon request.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/year>, a transaction of {$500.00} was made from my bank account to a merchant called XXXX. In XX/XX/year>, three additional transactions of {$2000.00}, {$2000.00}, and {$1900.00} were made to the same merchant. I did not authorize any of these transactions. I do not have an account with LemFi and have never used or registered for this service. I became aware of the issue in XX/XX/year> when the larger transactions occurred, and I immediately contacted Bank of America to report them as unauthorized. I raised the initial fraud claim on XX/XX/year>. During my communication with the banks fraud department, I was informed of the earlier XXXX transaction, which I had not previously noticed. Upon learning this, I immediately requested that it also be included in the fraud claim, as it is part of the same pattern of unauthorized activity. Bank of America completed an initial investigation and denied reimbursement for all the transactions, stating that because it was not reported earlier, it was considered authorized. However, no evidence of authorization was provided. The documentation provided by the bank only included general account activity such as login history and unrelated transactions. It did not include any proof that I initiated or approved the XXXX transactions. Following this, I formally submitted a written fraud declaration via fax to Bank of America, clearly stating that all of these transactions were unauthorized, explaining the pattern of activity, and requesting a full re-investigation along with evidence of authorization. I raised a second request for re-investigation on XX/XX/year>. As of XX/XX/year>, the matter remains unresolved and continues to be delayed without a clear resolution. I have also contacted XXXX directly. Their customer support indicated that there is no account registered under my name, email address, or phone number. I have also formally requested written confirmation from XXXX and am currently awaiting their response. I have communicated this information to Bank of America as part of my dispute.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX 2025 Account ending : XXXX Amount : {$150.00} PNC BANK PROOF OF NO OVERDRAFT IN MY CONTRACT I SIGNED WHEN OPENING ACCOUNT XXXX/ XXXX Account : XXXX Amount {$1200.00} XXXX reported I never received a phone I paid for and they kept charging me when I never received new ordered XXXX XXXX XXXX Account XXXX Amount {$540.00} I never had this account XXXX XXXX XXXX XXXX XXXX XXXX I didnt authorize to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally submit a complaint regarding ongoing harassment by CREDENCE RESOURCE MANAGEMENT related to alleged debts that I have no knowledge of or agreement to. I have been receiving constant phone calls from. CREDENCE RESOURCE MANAGEMENT at all hours, including late at night. These calls have caused me significant distress and disruption in my daily life. I want to clarify that I have never entered into any agreement or contract with CREDENCE RESOURCE MANAGEMENT regarding any debt, nor have I authorized any party to collect any debt on my behalf. # # # Legal Violations 1. * * Fair Debt Collection Practices Act ( FDCPA ) * * Under the FDCPA, specifically * * 15 U.S.C. 1692d * *, it is prohibited for debt collectors to engage in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The repeated calls at inappropriate hours clearly violate this section. 2. * * Telephone Consumer Protection Act ( TCPA ) * * The TCPA, * * 47 U.S.C. 227 * *, restricts telemarketing calls, including the use of automated dialing systems. If the calls I am receiving are being made using an automatic telephone dialing system, this would constitute a violation of the TCPA, as I have not consented to receive such calls. 3. * * Consumer Financial Protection Act of 2010 * * As outlined in * * 12 U.S.C. 5531 * *, it is illegal for any person or entity to engage in deceptive acts or practices in connection with consumer financial products or services. The actions of CREDENCE RESOURCE MANAGEMENT in pursuing a debt I do not owe can be viewed as both deceptive and misleading 4. * * Uniform Commercial Code ( UCC ) * * According to the UCC, particularly * * UCC 3-310 * *, a debt can not be enforced unless there is an agreement or contract signed by the debtor. Since I have no signed contract with CREDENCE RESOURCE MANAGEMENT they have no legal basis to collect any alleged debt from me. # # # Request for Action I respectfully request that the CFPB investigate this matter thoroughly. I seek the following actions : - An immediate cessation of all communication from CREDENCE RESOURCE MANAGEMENT regarding this alleged debt. - A formal investigation into the practices of [ CREDENCE RESOURCE MANAGEMENT regarding their debt collection methods. - Information on how to further address this harassment, including any additional legal recourse available to me. Thank you for your attention to this matter. I hope to resolve this situation promptly and appreciate your assistance in protecting consumers from unfair and unlawful practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Credit Systems continues reporting and collecting this account through XXXX even though the same account was removed from XXXX and XXXX. I dispute the accuracy and completeness of the reporting. The account is being reported as open with a balance of {$120.00} and an original creditor of XXXX XXXX XXXX. I disputed this account, but it remains on XXXX. I want Credit Systems to provide full validation of the debt, including proof of ownership, itemized balance, and proof that the reporting is accurate. If the company can not fully verify the debt and its reporting, the tradeline should be deleted from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. for failure to properly validate a disputed debt and for reporting inaccurate information on my credit report. I disputed this account directly with the company. Although they responded, they failed to provide adequate validation as required under the FDCPA. Specifically, they did not provide a signed contract, complete account statements, or proof of ownership of the debt. Despite failing to validate the debt, the company continues to report this account to credit bureaus, which is misleading and harmful to my credit profile. Additionally, the company has indicated that the debt is time-barred and that they will not pursue legal action. However, they continue reporting the account, which may misrepresent the legal status of the debt. I am requesting that Midland Credit Management provide proper validation or immediately delete this account from all credit reporting agencies. I also request that the CFPB require the company to provide documentation supporting their claims.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
Multiple dates from : START DATE ( date complaints and requests for funds, info, anything possible from the company started ) : TO END DATE ( date complaints and issues were resolved with account / commpany : Myself, as well as multiple co- workers/ and or friends attempted NUMEROUS times ( too many to adequately state without questing at it ) to access account and funds in question. EVERY SINGLE TIME from first contact with customer representative ; each time trying different solutions/ answers to my issues, from something as easy and quick as changing password to access account login, to merging my two accounts ( the previous one, to the current one I use as of today ) as well as going g as far as to ask my previous account be terminated, ans my funds be mailed via PAPER CHECK to my PHYSICAL ADRESS. EACH and every time I was met with resistance, and another excuse/ and or reason as to why it was NOT possible. They even went as far as to state that it was for my own personal security, to protect me, against MY HAVING AXCESS TO MY OWN MONEY! this has been a long ongoing, tedious, ridiculous, '' circle XXXX '' ( pardon my french ) ... always ending in the same way .. FRUSTERATION, UNANSWERED QUESTIONS, MORE OBSTACLES, MORE REQUESTS TO ME FOR YET ANOTHER ANSWER TO YET ANOTHER RIDDLE ... ridiculous and infuriating .. ITS MY MONEY and I feel like it has been stolen from me, and they are only biding their time and making it more impossible each time hoping I eventually give up and they can gain YET another few hundred dollars ... lord only knows how many poeople they are able to scam with this game and run around dance they pull ... im SURE they profit somewhere in the millions, worldwide with this bs they are trying to pull on me. BUT I REFUSE TO HUST WALK AWAY... IT MAY NOT BE A LOT OF MONEY TO SOME BUT ITS QUITE A BIT TO A SENIOR CITIZEN WHO RELIES ON EVERY PENNY HE GETS, AND CANT AFFORD TO JUST LET SOME CORPORATION HAVE IT FOR THEIR GREEDY PIGGY BANK FUNDS. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding a XXXX transaction that was the result of an imposter scam. On XX/XX/year>, I received a XXXX audio call from an email address that included the name Wells Fargo. The individual claimed to be from Wells Fargos XXXX department and stated that my account had been compromised through Zelle.They instructed me to send {$500.00} via XXXX in order to secure my account and reverse fraudulent activity. I followed these instructions because I believed I was communicating with Wells Fargo. This transaction was not a legitimate authorized payment. I was deceived into sending money under false pretenses by an individual impersonating Wells Fargo. I reported this to Wells Fargo, but my claim was denied on the basis that I authorized the transaction. However, this ignores the fact that the authorization was obtained through fraud and impersonation. As a result of this incident, my account is now overdrawn by approximately {$220.00} for over a week.

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 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: WA

Complaint narrative:
I am submitting this complaint regarding a disputed collection account reported by ProCollect on behalf of XXXX XXXX Apartments in the approximate amount of {$7900.00}. On XX/XX/XXXX, I submitted a formal dispute and request for validation of this debt. In response, I was provided only a lease and a generic move-out statement, without supporting documentation such as invoices, receipts, work orders, or photographs to substantiate the charges. I made additional follow-up attempts in XX/XX/XXXX but did not receive any meaningful response. I also filed a complaint with the Washington State Attorney General in XXXX. Following that process, ProCollect indicated a willingness to remove approximately {$3200.00} related to flooring charges, demonstrating that the original balance was overstated. Despite this, the remaining balance has not been substantiated with proper documentation. ProCollect later stated through the CFPB in XXXX that they were still reviewing the validity of the account with their client, indicating the balance has not been fully verified. However, the account continues to be reported. I am attempting to resolve this matter and work toward removal of the account from collections, but I have been unable to reach anyone to do so. When I call, I am directed to email a specific contact, and my follow-up emails have not received a response. While I dispute the accuracy of the balance, I am willing to work toward resolving the account by negotiating payment for any verified rent or applicable fees ; however, I do not agree to pay unsubstantiated damage charges that have not been properly documented. The balance remains disputed, unverified, and I am unable to move forward with resolving the account due to the lack of communication.

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