vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: NC

Complaint narrative:
I closed my Wells Fargo checking account after confirming that the balance was {$0.00} and that all transactions had fully posted and cleared. 

On XX/XX/XXXX, I issued a check in the amount of {$490.00}, and the transaction was confirmed and withdrawn from my Wells Fargo account on that date. 

On XX/XX/XXXX, after confirming the zero balance and that the check had cleared, I officially closed my Wells Fargo checking account. 

On XX/XX/XXXX, the receiving bank unexpectedly returned the {$490.00} check, and the funds were sent back to Wells Fargo, even though my account had already been closed. 

Since that time, Wells Fargo has retained these funds and has failed to issue the residual balance from my closed account to me. I have contacted Wells Fargo multiple times regarding this issue, but from XXXX through XXXX, I have received no resolution, no clear explanation, and no timeline for when my money will be returned. 

These funds belong to me and should not be held by Wells Fargo simply because the account was closed after the transaction was confirmed. I am requesting that Wells Fargo immediately disburse the residual balance of {$490.00} from my closed account via mailed check or electronic transfer. 

I believe Wells Fargo is unreasonably withholding my funds and failing to follow proper procedures for handling residual balances on closed 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, 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 XXXX XXXX. 
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 XXXX XXXX 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 XXXX XXXX. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Constant and repeated calls for a debt that I have submitted to the CRA 's. I don't own the debt and want it removed from my CRA file and the calls to stop. The debt is also outside of the Statute for reporting and collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
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 Lockhart , Morris & Montgomery , Inc . 
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 Lockhart , Morris & Montgomery , Inc 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 Lockhart , Morris & Montgomery , Inc . 
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 10 items requested in the attached letter are addressed completely and directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I purchased a computer online on the best buy website on XX/XX/XXXX using my best buy credit card through Citi. The computer was supposed to be delivered XXXX XXXX. They said there was a delay in the shipping, and it would take longer. Finally on XX/XX/XXXX, XXXX, and XXXX I was given a window of time for the computer to be delivered each day. The computer was never delivered on any of the days, or ever. The best buy website was then changed to delivered on the XXXX, and the tracking information showed it was delivered to a best buy facility in California, which is on the opposite side of the country to where it was supposed to be delivered. I spoke with Best buy, and was told someone would be in contact with me to get it straightened out. Nobody ever reached out. Best Buy Citi reached out about making my payment. I explained the situation to them, they put me on a XXXX way call with someone from best buy the store, and we all agreed I did not get the computer, the payment would be removed, and best buy would reach back out to me to make it right. Now it is XX/XX/XXXX, and I am on my XXXX best buy card rep trying to get this resolved. The card is reporting to my credit. I would like the payment removed from my card, and the report to my credit removed as fast 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NV

Complaint narrative:
I got a text today saying I owe money to XXXX XXXX XXXX which is not correct. I inquired about a loan few months back but they called me and I canceled my application which I got a confirmation on. They have sold my information and I never got something in the mail about a collection notice. I did not even signed a contract with them. I am including email from XXXXXXXX XXXX XXXX showing that they even recently offered me a loan and the text I got from Shepherd Outsourcing alleging now I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CFPB this is not the same complaint as my prior complaints against Wells Fargo! Wells Fargo refuses multiple times when I call mediation. hotline? XX/XX/XXXX I called everyday and have spent multiple hours on the phone Wells Fargo refuses to do anything lies and says I have to make a mediation request. I've called every single day since the beginning of XXXX requesting mediation doing absolutely nothing and not responding to my complaints in this matter I contacted they refused to do anything. Wells Fargo is lying and stonewalling so that they can destroy my life at a {$500.00} payment a month and doing this intentionally and lying to the CFPB lying to me and lying to the general public. I have requested mediation multiple times! I have multiple phone records multiple times calling everyday to request mediation. Wells Fargo continually lies to me and says I have to make the request when I've been calling them every day requesting mediation. I did demand mediation now regarding this credit card bill Wells Fargo active cash card illegally unethically raising my credit limit {$3000.00} without my knowledge or consent. This is not the same complaint regarding my credit card. This is Wells Fargo lying to me and saying we didn't receive your mediation request to lower payment and struggling to pay when I have phone records proving that I called every single day requesting mediation and they don't do anything. Wells Fargo mediation. Department lies and says I never called and also transfers me around the department where no one knows what's going on and they're doing this intentionally. It's a stonewall tactic by Wells Fargo! Wells Fargo has endangered my health put me in the hospital. I'm a XXXX XXXX  and person struggling to make the payment because of Wells Fargo illegal unethical 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 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my business partners and I went into a Chase branch to open up an account for our new XXXX. We opened the account and deposited our first check for services provided for {$1600.00}. 

The following week Chase closed our account with no information as to why. They said they would send back the check in XXXX business days. About XXXX weeks later, I had not received a check so I called Chase. They said they needed to verify the check and would call the business and to call back the next day for an update. I asked for the number they were calling. I spoke to the business and they do not have access to that phone number. I called Chase back to give them XXXX other numbers they could call, which they said were not approved. 

We are now at a point where Chase only has XXXX approved number, which the maker does not have access to. Chase said they will hold on to my funds for XXXX years. This is unacceptable. I am a small business and need my funds returned to me. Chase is not willing to verify the funds in any other way, and this to me seems fraudulent in and of itself.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: TN

Complaint narrative:
I am a victim of identity theft. Someone opened a Wells Fargo bank account in my name without my knowledge or consent on or around XX/XX/XXXX. I do not have, nor have I ever had, a Wells Fargo account, and there is no Wells Fargo branch within XXXX hours of my home. I only became aware of this fraudulent account when I received a receipt disclosure letter from Wells Fargo regarding an outgoing international wire transfer money that had been transferred to XXXX. 

I contacted Wells Fargo on XX/XX/XXXX. I spoke with customer service representative XXXX and was then transferred to XXXX, where I spoke with a representative named XXXX. Wells Fargo opened XXXX identity theft cases for me ( Report Numbers : XXXX and XXXX ) and told me to expect a packet within 30 days. 

However, Wells Fargo refused to provide me with : ( 1 ) the account number associated with the fraudulent account, ( 2 ) the total amounts transferred out of the account, or ( 3 ) any information about how the account was opened without physical identification verification. This information is required by the FTC and local law enforcement to complete my identity theft reports. Without it, I can not fully protect myself. 

I am requesting that the CFPB require Wells Fargo to immediately provide me with all account information and transaction records related to this fraudulent account, as is my right under 15 U.S.C. 1681g ( e ) of the Fair Credit Reporting Act. I am also requesting an investigation into how Wells Fargo allowed this account to be opened in my name without proper identity verification, and how it was permitted to conduct repeated international wire transfers to XXXX over a period of months without triggering fraud intervention. 

I have not yet received any written documentation from Wells Fargo beyond the initial disclosure letter. I am requesting the CFPB 's assistance in compelling Wells Fargo to cooperate fully with me as a victim of this crime.

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 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CO

Complaint narrative:
I receive death benefits for my daughter from her deceased dad. They started when she was just a few months old. She is XXXX now. At the time ss office recommended XXXX XXXX to receive the payments. This was in XXXX. Weve used XXXX XXXX for almost 17 years. In XXXX she received $ XXXX. Her card was set to expire on XX/XX/XXXX. I called in XX/XX/XXXX to order a new card. A month passed and still no new card. Called them back they said they couldnt verify my identity. So I sent them front and back pic of my dl. Called them back was on hold for Over XXXX hours. They told me again they couldnt verify my identity. Called them back today, spoke to a supervisor. She told me that I needed to send a picture of my birth certificate and social security card then wait another XXXX hours and call them back. They Stole my daughters XXXX benefits. They told me they cant even look at my account. And that they can Not issue her benefits back to the social security office. The social security office says that XXXX XXXX has to release the XXXX payment back to them then they would put it in my account. 
This has put me behind with all of my monthly bills because I use that money to take care of my daughter. I also work XXXX XXXX hour shifts a week to support her. 
The social security office Knows who I am! Why has XXXX XXXXs been giving me the run around for almost XXXX months! I need that money!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Hi, my name is XXXX XXXX. On XX/XX/XXXX, between XXXX XXXX and XXXX XXXX, I received a notification that my account had been logged into from XXXX XXXX, XXXX.I do not reside in XXXX XXXX ; I live in XXXX, XXXX. At the time, I had just finished packing for a vacation I was leaving for within 48 hours. I had also plugged in my XXXX camera to get a full charge so I can watch my home from my vacation! I can provide the video showing my reaction to the login alert, including the timestamp proving I was at home when it occurred. When I saw the notification, I became immediately concerned. I noticed that my account balance had been approximately {$1000.00}, but when I logged back in, my balance showed {$0.00}. I contacted Chime right away to report the issue and filed a dispute. The next day, the dispute was denied. I attempted to reopen the dispute, but it was denied again. I paused the process because I was on vacation overseas in the XXXX XXXX XXXX for my college graduation celebration. Upon returning home, I contacted Chime again and submitted a police report to support my claim, but my dispute was denied once more. 

I am submitting this statement to clarify that I did not authorize the login or transactions and request a thorough review of my account activity and the evidence I provided! 

Signature : XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to dispute a collection account from TRANSUNION that is being reported on my credit file, which I do not recognize. XXXX XXXX # XXXX date opened was XX/XX/XXXX and XXXX XXXX # XXXX date opened was XX/XX/XXXX, these are the accounts I do not recognize, I have no knowledge of these accounts and did not authorize any party to report it. I contacted the collection agency asking for the proper validation but they did not provided me any of it. The reporting of these accounts violates15 U.S.C. 1681b, which prohibits the reporting of accounts without permissible purpose and my authorization. This also violates 15 U.S.C 1681e ( b ) for reporting an unverified information that takes away the maximum possible accuracy of the report. This unrecognized collection account is severely affecting my credit score and is lowering my chances of being approved for loan applications. I request immediate investigation into this matter and the removal of these unrecognized collection accounts from my credit report. Please provide written confirmation once this has been resolved. Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2026-02-20 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: CA

Complaint narrative:
b'Subject: Formal Complaint and Request for Account Reinstatement\nFrom:  \nXXXX XXXX XXXX  \nAccount Number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \nDate: XXXX XXXX XXXXnDear Bank of America Customer Relations Department,\nI am writing to formally raise a concern regarding my Bank of America account referenced above. On XXXX XXXX XXXXXXXX, I unexpectedly lost access to my online banking and was informed that my account had been closed. I believe this closure may be connected to the recent disputes I have filed with various merchants regarding issues with their services.\nI find this decision inappropriate and unfair, given that I have been a loyal Bank of America customer for the past nine years. I have always valued the reliability of your services and have maintained my account responsibly. I respectfully request that my account be reviewed and reactivated as soon as possible so I can continue managing my financial activities without further interruption.\nAdditionally, I would appreciate it if you could update my mailing address to the following:  \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nPlease let me know if you require further documentation or identification to proceed with the reactivation or address change. I look forward to your prompt response and resolution of this matter.\nSincerely,  \nXXXX XXXX XXXX XXXX XXXX XXXX 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