vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I used Wells Fargo to send {$200000.00} as a payment ( via XXXX merchant ). XXXX put the funds on hold and said they would not release them. The only way to get the funds back is to call your bank and request an ACH reversal. So I contacted Wells Fargo on XX/XX/year> to request an ACH reversal. They have been impossible to get in touch with. I finally was able to get in touch with a " claims specialist '' in order to submit for an ACH reversal. So far they have not been helpful recovering my {$200000.00}. I've explained the situation numerous times to them. I've shown mountains of proof and evidence that XXXX is holding these funds and that they were never received by the end recipient, and that the only way to get the money back was to call my bank ( Wells Fargo ) and do an ACH reversal. Wells Fargo claims support reps are terrible and just provide cookie cutter responses

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 2026-05-29 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this complaint against XXXX ( PayPal , Inc. ) for wrongfully withholding my funds in the amount of {$170.00}, failing to provide accessible customer support, and causing severe financial hardship. This is the second time in recent months I have had to seek CFPB intervention to force this company to release funds that belong to me. Background & Current Issue : Account Status : XXXX canceled my account five months ago without explanation, and the account was subsequently closed. Recently, a legitimate refund of {$170.00} was issued to me, which XXXX is now holding. The Support Loop : I have been attempting to resolve this for over a week. Support representative " XXXX '' has provided nothing but boilerplate, copy-paste responses that do not align with how the app or website actually operates. For the past two days, she has completely ignored my direct replies, while the system continues to send automated, unhelpful prompts. Technical Failures : XXXX support instructed me to provide my information to receive a passcode via email. I did this and received the passcode, but it does not work. Trying to process this via the standard website fails. Trying via the mobile app fails. Trying to link or verify via PayPal prompts a request for a 4-digit PIN that XXXX claims to text to me, but the text message never arrives. Inputting variations of the provided 6-digit email passcode into the PIN field does not work. Evidence Attached : I have provided many screenshots documenting the complete failure of XXXX technical systems, their contradictory instructions, the explicit proof of my funds being held, and the sudden cessation of communication from their support staff. Another screenshot shows a prior CFPB complaint a couple of months ago resulted in XXXX releasing previously withheld funds ( {$100.00} ) within roughly a week and a half of my filing action they had refused to take until the CFPB became involved. The same pattern is now repeating. Resolution Requested : XXXX possesses a verified, working bank account on file from my previous dispute. PayPal is also acceptable. I require XXXX to immediately stop the automated support loops and manually transfer my {$170.00} to my financial institution ( XXXX XXXX XXXX XXXX ) without further delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint regarding fraudulent charges that were posted to my XXXX XXXX account ( account number ending in XXXX ). On or about XX/XX/year>, I identified unauthorized charges totaling {$340.00} on my account. I promptly notified the creditor and formally disputed these charges, advising that they were not authorized by me. Despite my timely dispute, the creditor declined to remove the fraudulent transactions and did not provide sufficient documentation demonstrating that the charges were authorized. Additionally, my credit report is currently reflecting a late payment ; however, my payment due date is the XXXX of each month, and my most recent payment was submitted on XX/XX/XXXX, which is prior to the due date. I also previously submitted a complaint ( ID : XXXX ). I am concerned that inaccurate information and charges continue to be reported on my account despite this prior dispute. I respectfully request a review and correction of these records, as they do not appear to accurately reflect my payment history. Following my dispute, I closed the account to prevent any further unauthorized activity. However, I have continued to be assessed late fees, interest, and penalties associated with the disputed charges. As a result, the account balance has increased, and my credit profile may be negatively impacted. I remain willing to pay any portion of the balance that reflects legitimate purchases made by me. However, I respectfully request the following : Removal of all fraudulent charges from the account Removal of any associated late fees, interest, and penalties related to those disputed charges Correction of any negative credit reporting resulting from the disputed amounts Written confirmation of the corrected account balance I acted promptly and in good faith in disputing these unauthorized transactions and seek a fair resolution of this matter. Thank you for your attention to this complaint. I look forward to your response and resolution.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I opened an XXXX XXXX account during the promotion period ( on XXXX XXXX ) where the terms required me to make {$7500.00} in total direct deposits within 90 days and then the bonus would post within 60 days of qualifying activity. On multiple calls with customer service reps and branch, I was told that I have met the requirements for the {$350.00} bonus but it seems mysterious to them as to why the bonus has not posted. I keep getting a run around stating to reach the branch and then to call centers and then secure message but all passing the buck to each other.

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 2026-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XX/XX/year>2026 Dispute XXXX {$3000.00} When I checked in to the XXXX I used my XXXX XXXX XXXX card to pay for all bills there. I never used my Bank of America Card there ending in - XXXX See attached final bill that was paid with the XXXX XXXX Credit Card ending in XXXX, XXXX + XXXX = XXXX Paid in full with my XXXX XXXX Credit card ending in XXXX Bank of America has provided no evidence that was billed or bought anything for XXXX I showed them My XXXX XXXX Statement a letter from the XXXX saying they did not charge my card and other documents

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened s checking account with Fifth Third Bank under the stipulation of overdraft protection for 90 days upon opening a checking account. As soon as I overdrafted my account, I was sent a letter from Fifth Third Bank stating that they were removing my overdraft protection and charging me multiple fines that exceeded my next direct deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2026-05-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
I went to a XXXX XXXX on XX/XX/year> with my XXXX. I was XXXXXXXX XXXX XXXX at a time, but they misdiagnosed me as XXXX XXXX XXXX and scheduled the XXXX XXXX on XX/XX/year>. XXXX XXXX are only valid from XXXX weeks. I went to that scan and at the scan, they told me I'm only XXXX XXXX at the time, when I was supposed to be XXXX XXXX. They ended up performing one a month later on XX/XX/year>, for which I was ready for. This is not my fault that they diagnosed me wrong and I'm not going to pay for a procedure I didn't need. I called the hospital countless times and they said they would correct it and I wouldn't have to pay for it, but I guess they never actually did and sent me to collections.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
We reached out to Mercedes-Benz XXXX XXXX because we were pursuing a 2026 XXXX XXXX, armed with an active deal from another dealership for {$500.00} per month. The finance manager texted us with a promise of a price match for the 2026 XXXX XXXX and suggested that we would be approved after they ran our credit. The monthly payment was stated to be around {$520.00}, including tax. Based on those assurances, we agreed to proceed and had our credit run, which they used to tell us we were approved. With that approval in hand, we drove an hour from our home to the dealership, expecting to finalize the deal. Upon arrival, the first thing they told us was that they couldnt honor those numbers. Then they informed us that the car had been sold and that the numbers quoted were for those specific cars. They offered to help us find another car, but any alternative would mean a monthly payment about {$150.00} higher than what we had been promised over the phone and via text. We were informed that the person who provided the payment figures did not have the authority to promise those numbers because they are not a salesperson. We had thought we had clear assurances about those numbers over text, yet they later claimed they could not honor them for that reason. The situation deteriorated from there. The representative stopped responding to our calls after the initial promise, and another team member stated that the person who provided the payment numbers had no authority to do so, so those figures could not be honored. The experience became tense and uncomfortable, with the staff member being rude and disrespectful toward us. When we objected, stating that the situation felt illegal and that we intended to file a complaint, we were told to leave the dealership. Throughout this process, we remained concerned about the legality and accuracy of the representations regarding price matching, financing approval, and final payment amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
For CFPB, keep it factual and chronological. Dont include the satire. On XX/XX/year>, I discovered that my XXXX access had been disconnected while I was traveling internationally in XXXX. I contacted Citi customer service to determine the cause and restore access. Prior to contacting Citi, my bank accounts were accessible and functioning. After contacting Citi on XX/XX/XXXX, I lost online access to my personal banking account. Over the next two days, I spent multiple hours on the phone with Citi representatives and departments. Calls were frequently disconnected after long hold times, and I received contradictory information regarding the status of my accounts. Different Citi representatives informed me that : * my account was blocked ; * my account was closed ; * my account did not exist ; * my security verification information was incorrect; * my phone number was invalid; * my branch information was incorrect. Subsequently, my local branch confirmed that my security verification information was in fact correct. Despite repeated requests, I was unable to obtain a clear explanation of the reason for the restriction, a consistent description of the account status, or a case number identifying the department responsible for the matter. On XX/XX/year>, I also lost access to my business banking account. As a result of these restrictions, I lost access to : * online banking ; * XXXX services; * debit card functionality ; * the ability to send and receive payments ; * the ability to reliably access and manage funds in my accounts. An attempted payment from my account subsequently failed. On XX/XX/year>, I reached Citis Executive Office. I was informed that the matter was under review and that resolution could take approximately 15 business days. On XX/XX/year>, Citi representatives again confirmed that the estimated resolution timeframe remained approximately 15 business days. At the time of this complaint, I remain unable to access both personal and business banking services while traveling internationally. I have requested clarification regarding the status of my accounts, the reason for the restrictions, the department responsible for the restrictions, the restoration process, and the expected timeline for restoring access. My concern is that Citi was able to restrict access to my accounts immediately, but has not provided a timely process for restoring access, despite the significant impact on my ability to conduct personal and business financial activities while abroad.

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 2026-05-29 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law.

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 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Does frequent calls over and over sometimes I decline the call and it was in XXXX minutes ring back again the same number or sometimes I dont decline. I just let it go let my phone ring through and no the one will leave a message or anything some do you leave messages but I get sleep alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Champlin & Associates PLLC
State: VA

Complaint narrative:
I called them several times today XX/XX/XXXX and I tried to verify my account information so I could go ahead and pay it and they were requiring me to give them an address in order for me to verify my account and I told them I can give them the address that that was on the account, but I dont have a current address to give them and they stated that they cant assist me or transfer me to another representative until I give them an address to put on file. I try to talk to the same person the exact same person. She never told me her name and she hung up on me on five different occasions after Ive repeated myself that I did not have an address to provide, and then I knew that I was not required to give them an address in order to satisfy the debt. She stated it was her company policy and I stated that it is illegal for them to require me to give them more information than what Im legally required to in order to pay the debt. I told her she was a debt collector and a debt collectors arent required to be provided with additional information like an address in order to pay the debt and she stated shes not a debt collector and I stated she works for debt collector so. She hung up on me numerous times and refused to help me as well as when I asked to speak to a supervisor she said and I quote I cant transfer you to anyone until you verify the information that I need so I asked her point blank. Are you saying that I cant pay the debt until I give you an address and she said yes I told her that was was illegal and that would be contacted representation.

Company response to consumer: Closed with explanation