vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have submitted multiple disputes with the credit bureaus and the creditor regarding inaccurate reporting on my consumer report. My concerns continue to be ignored despite providing supporting documentation. Please review the attached records and investigate this matter properly under the FCRA failure to comply with FCRA requirements please see attached

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
CFPB Consumer Complaint Narrative Company : Wells Fargo Bank , N.A . Product : Checking Account / Bank Account Issue : Failure to refund disputed charges/ failure to locate promised refund / unresolved claims handling. I am filing this complaint against Wells Fargo Bank , N.A . regarding its failure to refund funds that Wells Fargos Claims Department represented would be returned to my checking account. I spent over four hours inside a Wells Fargo branch with the branch manager attempting to resolve this matter. During that visit, the branch manager contacted or communicated with Wells Fargos Claims Department, and I was informed that Wells Fargo would issue a refund to my checking account. The Wells Fargo claim number is : Claim No. : XXXX The amount at issue is : {$260.00} x 3 transactions = {$790.00} total Despite Wells Fargos representation that the refund would be sent to my checking account, I have not received the refund. I have called Wells Fargo numerous times to follow up, but no one has been able to tell me where the money is, when it was sent, whether it was rejected, whether it was credited, or whether a check or alternate payment method will be issued. This has caused significant inconvenience, time loss, and financial harm. Wells Fargo has failed to provide a clear written explanation, refund trace information, proof of credit, or a final resolution. Immediately refund the full amount of {$790.00} ; Provide written confirmation of the refund date, method, and destination account ; Provide any refund trace number, transaction ID, or internal payment confirmation ; Confirm whether any attempted refund was rejected, reversed, misdirected, or returned ; Issue the refund by check or another verified method if the original account can not receive the funds ; Provide a written explanation of why Wells Fargo represented that the refund would be issued but has failed to deliver it ; Confirm that this matter is closed only after the full refund has cleared and is available to me. I request CFPB assistance because Wells Fargo has failed to resolve this matter despite my in-branch visit of more than four hours, repeated phone calls, and Wells Fargos own representation that the Claims Department would send me the refund. I am attaching supporting documentation, including the Wells Fargo claim number, transaction amounts, correspondence, proof of the disputed charges, and any records of my communications with Wells Fargo.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On or aboutXXXX XXXX, XXXX, I tried to purchase a round-trip ticket from XXXX to XXXX XXXX for a medical emergency. I once again tried using my Wells Fargo Bank XXXX that XXXX XXXX balance and my debit card has sufficient funds to complete the transaction. This time, I went to XXXX XXXX XXXX to buy the airplane ticket and once again, for the THIRD time, Wells Fargo Bank is INTENTIONALLY blocking my transactions!! Wells Fargo Bank action may cause me serious, irreparable harm or result in my death! I have multiple XXXX XXXXXXXX, XXXX in both XXXX with XXXX XXXX in my XXXX XXXX, I have XXXX XXXX, XXXX XXXX XXXX at the XXXX, two XXXX XXXX XXXX, two XXXX XXXX XXXX, a CURRENT XXXX XXXX XXXX XXXX, I have XXXX, severe fatigue, left side of m th body is weak Especially my left XXXX and in XXXX, the doctor installed temporary implants which came out is causing me great pain to TRY and eat food. Iam in desperate need of help and to stop Wells Fargo Bank from retaliating against me. This is there THIRD time blocking me and I called XXXX XXXX and I was told to disregard the email because Wells Fargo Bank is blocking the transaction.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
A client initiated a payment of {$940000.00} on XX/XX/2026, which was successfully credited to my Wells Fargo business account on XX/XX/2026. Despite receiving the funds, Wells Fargo subsequently placed restrictions on the account, withheld access to the funds without providing a satisfactory justification, and eventually proceeded to close the account. This has caused a lot of turmoil for the survival of my business.

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 2026-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to WAYPOINT RESOURCE GROUP. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that WAYPOINT RESOURCE GROUP currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to WAYPOINT RESOURCE GROUP. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

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 2026-06-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute of Debt and Request for Immediate Removal from Credit Report To Whom It May Concern, I am writing to formally dispute the debt that your company is attempting to collect on behalf of XXXX. When I enrolled in XXXXXXXX XXXX program, I did so with the understanding that I would receive orthodontic treatment and ongoing care from licensed dental professionals. However, approximately three weeks after I began the process, XXXX ceased operations and filed for bankruptcy, resulting in the termination of its services. Because the company shut down shortly after I enrolled, I never received the treatment, professional supervision, or services that were promised under the agreement. Therefore, I dispute the validity of this debt and do not believe I am financially responsible for charges related to services that were never provided. I respectfully request that you conduct a thorough investigation and provide complete validation of this alleged debt. While this matter is under review, I request that all collection activities cease immediately. Furthermore, because this debt is disputed and relates to services that were never rendered, I request the immediate removal of this collection account from all credit reporting agencies. The continued reporting of this account is inaccurate and unfairly damages my credit history. Please update all relevant credit bureaus and provide written confirmation once the collection account has been removed. Thank you for your prompt attention to this matter. I expect a timely response and resolution. Sincerely, 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 2026-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I mobile deposited a check for {$1100.00} from my Principal IRA account to my Truist Checkings Account. The funds are verified & posted on my account but the funds are not available for me to use. These are MY funds transferring from one of my accounts to another one of my accounts. The funds are posted but not available. This is very inconvenient because I have demonstrated nothing but honesty & good faith the entire time with this company but enough is enough. When I first opened my account, they closed it before I could set up direct deposit. The reason was fraud. I HAVE NEVER DONE ANY FRAUD. Fraud? I just opened the account. When I got that situation justified & cleared away, I reopened the account because I wanted to do good honest business with this company. Upon reopening the account, they gave me someone else accounts numbers. My first check was deposited in SOMEONE ELSES ACCOUNT. Luckily, it was great honest man who called & returned my funds. Please help me to get my funds available to use because it is a legitimate & verifiable transaction.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo regarding their refusal to deliver my approved credit card and their lack of accommodation for a medical hardship. I was approved for a credit card approximately 18 days ago. It never arrived. I called a week ago to request a replacement and informed the agent that I just XXXX XXXX XXXX and am temporarily staying at my daughter 's address a few blocks away for my XXXX. The agent verified my identity, updated the shipping address, and promised the card would arrive in 7 days. The card did not arrive. When I called back, customer service representatives were incredibly harsh and informed me that I must physically visit a branch to verify my identity or send my daughter with my ID. I am currentlXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX offered to upload my ID to a secure portal, but they refused to accommodate me. Wells Fargo is withholding my approved credit line and refusing to accommodate a temporary XXXX XXXX. I request that they securely verify my identity online and expedite my card to my temporary address but they refused and hung up the phone.

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 2026-06-22 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: CA

Complaint narrative:
Subject : Complaint Against Wells Fargo Failure to Reimburse Unauthorized ACH Fraud on Business Account I am filing a complaint against Wells Fargo regarding unauthorized ACH transactions on my business account totaling {$1900.00} I discovered that unauthorized ACH payments were being withdrawn from my Wells Fargo business account. The transactions were associated with XXXX XXXX and a person identified as XXXX XXXX. I did not authorize these transactions. As soon as I became aware of the fraud, I reported it to Wells Fargo and requested that the unauthorized transactions be investigated and reversed. Wells Fargo acknowledged my report and even issued me a new account number. However, despite taking that action, additional unauthorized withdrawals continued to occur. I have repeatedly informed Wells Fargo that these ACH transactions were fraudulent and unauthorized. Despite my reports and cooperation, Wells Fargo has denied my claim and refused to reimburse the stolen funds. To date, I have suffered a loss of {$1900.00} I am requesting that the CFPB investigate Wells Fargo 's handling of this matter and require the bank to : 1. Conduct a thorough review of the unauthorized ACH transactions. 2. Provide a complete explanation of why my fraud claim was denied. 3. Reimburse the unauthorized withdrawals totaling {$19000.00}. 4. Provide all documentation and records related to their investigation and claim determination. I believe Wells Fargo failed to adequately protect my account and failed to properly address the fraud after it was reported. I am seeking assistance in recovering the funds that were taken without my authorization. Thank you for your assistance.

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 2026-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit limit was reduced from XXXX to XXXX For missing one payment which I had no idea I even owed anything on the card. I had paid off the entire balance before the apr ended and was still charged interest. Because of the interest I had a payment due. I received no notices or letters or call regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I was contacted by a scammer pretending to be from USAA fraud prvention. After confirming my identity they went over some charges that werent authorized and being declined as well as some recent chages that I confirmed were me. After sometime they convinced me that they needed me to go to XXXX XXXX and assist them with gathering information about the location and employees while also confirming my identitiy by showing my debitcard and ID. I though it was very odd but they assured me it was normal and that they needed my help. They kept reassuring me and when I had concerns would tell me about my accounts being frozen and only the scammer having access. They even put me on hold and had the USAA hold music cued up. So in the end i transfered over $ XXXX that I didnt even have to someone under the name XXXX XXXX and my bank says I'm XXXX out of luck. Wish there was someone who could assist a XXXX veteran with this but it seems my mistake is going take a long time to try and dig out of. XXXX XXXX XXXX XXXX Case Number 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 2026-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Hi, my name is XXXX XXXX, yes you read it right. Ive sent my dispute letters for how many moths now and despite my repeated efforts to address these inaccurate accounts, they are still being reported on my credit file. Ive spent a lot of time researching consumer laws and trying to understand the proper steps to remove these accounts, and the entire process has been very stressful and mentally exhausting for me. So please, for the sake of my mental health, read the letter Ive attached and delete the inaccurate accounts immediately. thank you FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX - XXXX Account Name : XXXX XXXX - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX - XX/XX/year> Incorrect Name- XXXX XXXX- PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX PLEASE DELETE THIS ASAP! EMPLOYER - XXXX XXXX- PLEASE DELETE THIS ASAP!

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 2026-06-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: IQOR US INC
State: AZ

Complaint narrative:
I am disputing this account because I do not believe this bill is mine. While I previously maintained an account, my payment history has always been in good standing, and I have never been late on any payments. This particular bill came as a surprise, and I only became aware of it because I closely monitor my credit. As soon as I discovered it, I paid the balance in good faith ; however, my credit score has not been restored as expected. I have also contacted XXXX and Allied Interstate regarding this issue, and neither has taken action to correct my credit score or properly address my concerns. Allied Interstate informed me that the account was opened in XXXX ; however, I did not live in XXXX at that time, which further supports that this account may not belong to me. Additionally, the address associated with this bill does not belong to me. It is being mailed to an address I have never lived at and do not recognize, which further supports my belief that this account or charge is inaccurate. Given my consistent payment history, my immediate effort to resolve the issue, and the discrepancies in both the account timeline and listed address, I respectfully request a full investigation and correction of this item on my credit report.

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 2026-06-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
" I am filing a formal complaint against Citibank for a Fair Credit Billing Act ( FCBA ) procedural violation. On XX/XX/XXXX, a Citibank representative explicitly instructed me to mail a signed letter and merchant logs to reopen my dispute against XXXX XXXX. I complied fully with Citibank 's explicit directions. Today, Citibank rejected my documentation via an automated letter, claiming it was past a XX/XX/XXXX timeframe. Citibank 's staff gave misleading procedural instructions, and their system is automatically rejecting evidence that proves the merchant committed an unauthorized billing error by failing to provide legally mandated auto-renewal price hike notices. I demand that a human compliance officer manually review my XX/XX/XXXX submission and reverse this unauthorized charge. ''

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 2026-06-22 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: TX

Complaint narrative:
On XX/XX/XXXX I wired {$150.00} from my XXXX account to Wells Fargo. The Wells Fargo account that the funds were sent to was an old closed account of mine. Wells Fargo informed me that since that account is closed the money would be sent back to my fidelity account in XXXX hours. The money still has not been sent back and its been XXXX weeks. They will not provide me any information or give me an ETA of when Ill receive my money back.

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