vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kovo
State: GA

Complaint narrative:
on XX/XX/year> i start a Credit Protection Plan with KOVO a credit Repair and the plan start off like XXXX a month so back in XX/XX/year> i want to canceled the they was make it hard the canceled the plan with them so i thinking my plan was canceled but they never canceled and they want me to make a payment back in XXXX for XXXX saying that i miss two payment of XXXX so i did not pay them money and KOVO report it on my Credit Report and my score was XXXX and my score went down XXXX points on my Credit Report and now they say that i own them XXXX and my score went down XXXX point and put a late charge on my Credit Report for no reason i dont own the no XXXX because i just start paying them only XXXX a month so how do i own them XXXX and now it's on my Credit report so the email me and told me if i pay the XXXX they will take that late charge off my Credit report i have all the email that KOVO send me i will send all documents to the CFPB to prove that they wrong me i will be submitting document in very soon

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I transferred money from my XXXX XXXX XXXX card to my personal bank and transactions never went thru. They refunded me back XXXX of the dispute, but they are denying my other 2 transactions one for XXXX dollars and another for XXXX. 
I've sent appeals after appeal, to the extent of my personal bank manager calling them to advise money was NEVER RECEIVED.

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 2026-01-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
A debt collection account from IC System , Inc. is being reported on my XXXX XXXX XXXX  credit report that does not belong to me. 
I have never had an account with this company or the alleged original creditor. I attempted to dispute the account online with XXXX XXXX XXXX blocked the online dispute and required me to call instead. 
I am disputing this debt as not mine and believe it is being reported inaccurately. IC System has not provided any proof that this debt belongs to me, including a signed agreement or proper identification linking me to the account. 
I am requesting immediate deletion of this account from my credit report due to inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ).

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In XX/XX/year>, I was the victim of a rental car scam involving a fictitious business called XXXX XXXX Rentals. I was provided falsified rental policies and a fake address and coerced into sending {$2800.00} via XXXX and {$500.00} through XXXX under false pretenses. 

My bank denied my claim solely on the basis that the transaction was authorized, despite authorization being obtained through fraud and misrepresentation, The business does not exist, and no vehicle was ever provided. 

I have filed an FTC fraud report and a police report. I am requesting a manual re-review of this claim, recipient account flagging, and compliance with consumer protection obligations related to electronic fund transfer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding denial of a documented fraud claim on a Vanilla Visa prepaid gift card processed by InComm Payments ( Case # XXXX ). 

The card was purchased by my employer as a XXXX bonus. After receiving the card, unauthorized transactions were made at XXXX XXXX and XXXXXXXX XXXX without my knowledge or authorization. The card remained in my possession at all times, and I did not make or benefit from these purchases. 

I promptly reported the fraud and fully cooperated with InComms investigation. I provided proof of purchase, copies of the front and back of the card, and supporting documentation as requested. Despite providing all required documentation and reporting the fraud in a timely manner, InComm denied my claim without a clear explanation. 

The transaction pattern is consistent with third-party compromise of prepaid card information. I did not share the card details with anyone, and there is no evidence that I authorized or benefited from the disputed transactions. 

I am requesting that this denial be reviewed by a higher-level compliance or dispute resolution team and that the stolen funds be reimbursed. I believe this denial is unfair and does not properly account for the documented fraud and evidence provided. 

I am seeking reimbursement of the unauthorized charges and a written explanation of the basis for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
Company has requested me to pay XXXX different amounts. This is unacceptable. They are asking for debt that they decided to charge twice for. Illegal and are commiting fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I am filing a complaint regarding USAAs mishandling of unauthorized debit card transactions, including an inadequate fraud investigation and the improper reversal of provisional credit. 

On XX/XX/XXXX, an unauthorized in-person withdrawal of {$5000.00} was made at a XXXX XXXX bank XXXX XXXX New Jersey XXXX XXXX USAA debit XXXX. I do not have an account with XXXX XXXX. At the time of this transaction, I was out of the country and had physical possession of my debit card, making it impossible for me to have authorized or completed this withdrawal. 

While I was on the phone with USAA actively reporting this fraud, a second unauthorized withdrawal of {$9500.00} occurred in real time. This transaction happened while I was speaking with a USAA representative, who witnessed the fraudulent activity as it occurred. Immediately after this second transaction, USAA blocked all of my accounts, acknowledging that unauthorized activity was taking place. 

USAA initially stated that they would contact me to request additional information and supporting documentation, including proof of my location at the time of the transactions. However, USAA never contacted me, did not request any documentation, and did not review readily available evidence ( such as travel records and call logs ) before concluding its investigation. 

Despite the fact that : I was out of the country at the time of both withdrawals, I had possession of my physical card, The second transaction occurred while fraud was actively being reported, and USAA acknowledged unauthorized activity by blocking my accounts, USAA later determined that the transactions were not fraud and reversed the provisional credit that had been issued. 

I believe USAA failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation XXXX ) and improperly denied my claim despite clear evidence of unauthorized transactions.

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 2026-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
They just locked my account for no reason and I try to call them and they permanently blocked my account

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: AL

Complaint narrative:
Cash App has withheld my monthly XXXX payment for over a week pretending that I dont get a check deposited there. When Ive gotten there for several months. I get paid XXXX  a monthXXXX XXXX  between XXXXXXXX XXXX XXXXXXXX checks was already XXXX weeks. But Ive been starved for an additional week at the moment & everything I have is shut off requiring late fees, & also rides back and forth to the XXXX office, that somebody needs to pay for. Cashapp & every other bank is nothing but organized crime, withholding money to earn interest!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Branch Messenger, Inc.
State: IA

Complaint narrative:
On the XXXX I was unable to open my branch account to recieve tips from work. XXXX will not allow the company to utilize an alternative payment method. XXXX will not release my tips, because the state I owe them {$0.00}. I have asked several times through email for validation of this XXXX debt, they will not send me anything. On the XXXX, I mailed a payment to cover this alleged debt. They are denying receiving this payment. They will not unlock my account or allow me an alternative way to recieve my tips.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I use a XXXX credit card, which is currently under Wells Fargo. Ive been receiving emails and notifications in-app that my current card will be deactivated on XX/XX/year> and that I must select a new card by XX/XX/year> to avoid a disruption to my account. This is partly true but incredibly misleading. In the XXXX app it says action required and directs me to sign up for a new credit card because my current one will be deactivated. This does not look optional, and it literally says required. It then presents options for a new card, defaulting to cards with an annual fee ( unlike my current account with no annual fee ). The emails I am receiving also make it seem that is it required I apply for the new card and that action must be taken. However, this seemed strange to me so I called customer service. Wells Fargo customer service told me that XXXX and Wells Fargo are parting ways which is what is prompting the account changes. However customer service said actually no action is required by me. It is true my current card will be deactivated, but I will be sent a replacement card automatically. Again, they clarified no action is required by me to continue being able to use my account or to pay rent ( a feature of the XXXX card ), it will just be under a new card which will be mailed to me. The emails and app messaging make no indication that if I do not take action my services and ability to pay my rent through my current account will continue. It is deceptive in promoting me applying for a NEW account, promotes more expensive cards with annual fees, and gives me a sense of urgency that if I dont I wont be able to use my account. This is predatory, encouraging me to apply again for a card, when this is unnecessary. The marketing and messaging is confusing, and if I had not called customer service I would have applied for a new card unnecessarily out of fear my use of my card and account would be disrupted. The XXXX app is promoted by my apartment building as the primary way to pay rent and is forced on us as tenants as THE way for us to pay rent. This adds to the urgency and concern around a disruption to the card, as there are many people who use this as the primary way to pay rent.

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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I lost my old phone that had all my information on it including my digital wallet with my bank card attached to it, I reported all this as spam and fraud and even had a police report taken out. It all started beginning of XXXX when my niece was locked up, they said they were from the detention center where she was at which the number showed up that they were calling me from on top of another number, they got {$5400.00} dollars and I reported it to the bank and they denied me.i just want my money back as this is happening a lot here lately to so many people, XXXX on XXXX and they dont seem to understand that I need my money back for my bills.my XXXX  was also linked to my card and XXXX XXXX as well

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 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I am disputing my XXXX XXXX account ( Account # XXXX ) regarding a manufacturer rebate misrepresented as a down payment on my vehicle purchase ( VIN : XXXX ) from XXXX of XXXX. The contract clearly listed the {$1200.00} manufacturer rebate as the XXXX XXXX, with no cash down payment from me, contrary to the no-money-down representation made at the time of sale. I was never informed that the rebate would be treated as a down payment, which materially altered the financing agreement. Despite multiple attempts to resolve this with XXXX XXXX and the dealership, the issue remains unresolved. Supporting documentation, including my contract, correspondence, payment records, and a recorded call acknowledging the discrepancy, are 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 explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I paid off my HELOC in full on XX/XX/XXXX in connection with the sale of my home at XXXX XXXX XXXX XXXX, XXXX XXXX, FL. A single payoff wire in the amount of {$200000.00} was sent per the payoff quote, and the principal balance was reduced to zero with all accrued interest satisfied. 

After the loan was paid in full and after I no longer owned the property, Shellpoint Mortgage Servicing assessed lender-placed flood insurance charges and other administrative and third-party fees. These charges were not disclosed in the payoff quote and were assessed months after payoff. I was not notified in advance that such charges would be placed, nor was I advised that failure to take additional action would result in post-payoff insurance or fees. 

In XX/XX/XXXX, I formally disputed these charges in writing and requested closure of the HELOC retroactive to XX/XX/XXXX. Since that time, Shellpoint has reversed a portion of the lender-placed insurance charges, implicitly acknowledging servicing errors. However, Shellpoint continues to maintain a remaining fee-only balance of approximately {$730.00} and has not closed the account. 

On a recorded call in XX/XX/XXXX with Shellpoint and a third-party verifier present, Shellpoint confirmed XXXX there is no unpaid principal or interest and that the remaining balance consists entirely of fees assessed after payoff. Shellpoint also confirmed that the account remains open solely because of these fees. 

Despite the loan having been paid in full, Shellpoint continues to report the account negatively to the credit bureaus based on this disputed, post-payoff, fee-only balance. I am disputing both the validity of the post-payoff fees and the accuracy of the related credit reporting and am seeking correction of the account and 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 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX between approximately XXXXXXXX XXXX and XXXXXXXX XXXX XXXX unauthorized ATM withdrawals were made from my account across multiple ATM locations that I have never used before. These transactions occurred within minutes of each other and are inconsistent with my normal account activity. 

I did not authorize or benefit from these transactions. My physical card was in my possession at all times, and no one else had access to my card or my PIN. I did not share my PIN or lose my card. 

I promptly reported the transactions and filed a police report. A detective from the XXXX XXXX Precinct ( XXXX # XXXX ) contacted me and advised that XXXX ATMs surveillance footage has been reviewed and shows the individual making the withdrawal was not me. The detective is in the process of obtaining subpoenas and reviewing additional ATM video footage related to the remaining withdrawals. 

Despite this, the company approved XXXX transaction and denied the remaining XXXX without providing documentation showing how the denied transactions were determined to be authorized, as required under XXXX XXXX I am requesting a full re-investigation and reimbursement of the remaining unauthorized withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I was caught in an online scam. I was sick in my head and transferred using Chase Bank {$71000.00} for this scam investment group that was impersonating XXXX XXXX from XXXX XXXX XXXX XXXX. 
Chase heard me and told me they were going to try to cancel it together with the beneficiary banks. That was in XX/XX/XXXX and in XX/XX/XXXX i got a letter from Chase denying any adjustment, with no arguments or information about the beneficiary accounts. Chase only says that i am responsible because the transactions were authorized by myself.

Company response to consumer: Closed with explanation