vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
b'On XXXX i received a text from phone number XXXX stating:\n"Wells Fargo: An outgoing transfer from your account ending in XXXX for XXXX to XXXX XXXX XXXX XXXX is on hold. To approve reply\n\'YES\' . If this wasnt you reply \'NO\'\'\nI replied "NO" Then i received a response, "Wells Fargo: A representative will be contacting you shortly."\nI received a call from a man claiming to be a Wells Fargo fraud rep. He had my account info, name, number... everything. I never once voluntarily gave hime any of my information. He said we need to cancel your old account and create a new one. He told me to open my Wells Fargo app and confirm that a new account was created. I opened the app and saw that he created a new account. I saw that the balance was zero. He said it would take 3-5 business days for the money to post. I said i needed money in the meantime..... he said he would grant a XXXX credit. Then XXXX showed up in my account. So he had me very convinced hence why I didnt feel alarmed. After 5 days there was no activity, I contacted the bank and they said that it was fraud. Looking back, we noticed the XXXX was actually the remaining money in my old account that was somehow hidden from me on my app. I dont know how someone was able to log into my Wells Fargo online banking. Ive never given out any of my information to anyone. I dont know how Wells Fargo wasnt alerted that other devices were logging into my online banking.... Wells Fargo never contacted me to confirm that I meant to send this money. There was one single text they sent when i was on the phone with the fraudster. After the phone call the text was already read so i assumed it was from before the man called and that he stopped the transfer. This all happened within less than a ten minute window... Recipient Added, New Account Created, Money Transferred... all of which was performed by the fraudster from an unknown location. I filed a claim the minute I discovered this.\n Following a reported denial of the fraud claim, the consumer is invoking Regulation E, citing that bank impersonation constitutes an unauthorized transfer and that consumer negligence cannot be used to deny reimbursement.\nWells Fargo Fraud Claim # XXXX XXXX XXXX XXXXPolice Report- Tuolumne County Sheriffs Dept. Officer: XXXX XXXX XXXXXXXX. XXXXFTC Report # XXXXFBI IC3 attached \nScreenshots of incident 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 2026-06-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Someone opened a Best Buy credit card without my consent and now it has gone to collection and I have been sued. Writt of XXXX has been applied to me

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 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
{$440.00} was taking out of my checking account Via a purchase that was not supposed to be there. I disputed on XX/XX/2026 at XXXXXXXX XXXX! I disputed the next day XX/XX/2026 and they denied my claim after 3 days with no investigation!

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 2026-06-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ).

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: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I opened a credit card account with Barclays Bank out of Delaware, for a cruise while booking the cruise ( Carnival ) .The account was opened and cruise was paid on the card. I received the card and attempted to log on their website to create online account and pay off the credit card. Online access was not successful, so I was advised to call the XXXX number. I spoke to several differet agents who ultimately told me to take down an address they were providing to me and to mail them several different personal documents to verify my identity. I told them I would like something mailed to me stating what was needed. I didnt feel comfortable just mailing personal identity information to a random address that was givem to me over the phone. They said that was the only way to reslove the problem by sending the information they requested. I also ask for a statement and they also refused that request. They said the system is setup to work paperless. I requested to pay the balance over the phone with another credit card and they refused that request as well. I stated the request the were asking for didnt feel right and felt fraudulant. The person then hung up the call with me. Ive tried calling back several times with the same results. One time I was able to request a call back from a supervisor who called me back a day or two later. I was unable to accept the call when he called because I was working. I called back later in the day to be just put in the same round about system of speaking to several different agents and getting the same results as previous attempts to resolve this. This has been going on for several months and I have not been able to pay off this 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 2026-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
The company refused to appropriately adjust the bill, and was notified today XX/XX/year> that the bill needs to be a-justed in order to make the proper payment and they advised me that there was no need to go any further, and hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
I am requesting a formal escalation regarding the denial of a {$350.00} promotional bonus for my Gold Account at Nevada State Bank in XXXX XXXX, opened on XX/XX/year>. Branch address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Before opening the account, I scheduled an in-branch appointment specifically to confirm eligibility for a promotion I found online offering a {$350.00} bonus after {$7500.00} in qualifying direct deposits. During that appointment at the XXXX XXXX in XXXX XXXX, XXXX, I asked the banker XXXX XXXX to verify if we are eligible to get a bonus and clearly asked whether a promotional code or any additional steps were required. I was told no code was necessary and that I would qualify once I completed the required direct deposits, if any issues to call the branch. My husband and another bank employee XXXX XXXX was training, was present during this conversation. Based on those representations, I opened the account and fully completed the required direct deposits in good faith. During the account opening process, the banker also misspelled our last name, and we had to return to the branch to correct it. After several months, I did not receive the bonus. I contacted the branch and was later informed that the promotion is considered online only and therefore I am not eligible. However, I relied on the information provided by Nevada state bank employee at the time of account opening, after taking the extra step of visiting the branch to verify eligibility. I rely on the competency of bank employees. If I was told that this promotion is online only, I could have opened the account online, but I came into the branch to ensure everything was correct. I did not see anywhere on the website that the offer was online only. My husband and I both reviewed the offer, and that is why we went to the branch- to confirm eligibility and whether any code was required. If I had known it was online only, I would have simply opened the account online. My husband had to leave work early ( he serves in the XXXX XXXX ) so we could attend this appointment. During the process, the banker also misspelled our last name, and we had to return to fix it. For the past three weeks, I have been working with XXXX ( XXXX XXXX ) and also contacting customer support to resolve this promotion issue. Branch management ( XXXX XXXX ) has confirmed today over the phone, she will not approve the bonus. I am therefore requesting escalation to the appropriate Customer Advocacy or Executive Resolution team for further review. Thank you

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 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I discovered that my XXXX Credit Report was now reporting that I had a delinquent loan originated in XX/XX/XXXX by Ally Bank. I know nothing about that loan and had nothing to do with its origination. I was actually incapacitated at that time and could not have originated that loan or any other loan. XXXX XXXX XXXX XXXX and am a XXXX XXXX XXXX XXXX XXXX XXXX, Tennessee at XXXX XXXX XXXX. XXXX. Ive lived at this address the past 20 years. Based on info gleaned from my credit report I think the fraudulent loan may have originated in Florida. I have never lived or worked in Florida. The loan being reported as delinquent was not made by me or anyone I know. I had nothing to do with that loan. I am the victim of stolen identity and careless/ incompetent loan underwriting and origination by Ally. They need to remedy the problem they created.

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 2026-06-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
Chexsystems {$630.00} to XXXX XXXX XXXX XXXX this is identity theft they bought my information from the bank Im assuming and added me to their list

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 2026-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I didnt submit or purchase any vehicle tosay XX/XX/year>. I got notification of these hard inquiries. Ally Financial 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
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Since filing this complaint I have received additional communications from XXXX XXXX XXXX in violation of my XX/XX/year> Cease & Desist. On XX/XX/year> I received a letter dated XX/XX/year> for XXXX XXXX XXXX XXXX. account XXXX ( {$1400.00} ) the account subject to judgment Case XXXX handled by XXXX XXXX XXXX XXXX XXXX This letter explicitly states 'the amount you owe is {$1400.00} and will continue to accrue interest ' an active collection attempt 36 days after my Cease & Desist. Additionally on XX/XX/year> I received XXXX more letters dated XX/XX/year> via XXXX presorted bulk mail for accounts XXXX XXXX XXXX ( {$2100.00} ), XXXX XXXX XXXX ( {$1200.00} ), and XXXX XXXX XXXX ( {$750.00} ). All envelopes arrived with no postal stamp dates. XXXX XXXX XXXX XXXX records confirm all delivery dates. XXXX XXXX XXXX XXXX continues to act as servicer on account XXXX while these violations accumulate. I now have nine documented post-Cease & Desist communications constituting $ XXXX in 1692c ( c ) statutory damages alone. Reference prior CFPB case # 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 2026-06-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, an individual in XXXX XXXX temporarily took physical possession of my phone that I had unlocked and used my XXXX XXXX account to transfer {$1200.00} to himself. I immediately reported the incident to law enforcement and provided evidence, including a photograph of the suspect. Bank of America denied my claim because the transaction was authenticated on my device. I am not disputing that the transaction occurred on my device ; I am disputing that it was authorized by me. The transaction was conducted by a third party while he had physical possession of my phone. I am requesting a review of the denial and consideration of the police report and supporting evidence.

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 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Attempted to resolve via U.S. Bank Customer Service line ( XXXX ). The automated system completely failed to route me to a live banker or XXXX to address the hardship freeze. XXXX XXXX : Contacted the XXXX XXXX branch directly ( XXXX ) and spoke with XXXX. During the initial deposit, tellers assured me that management could issue a partial XXXX 's override of " {$270.00} for immediate access. XXXX refused the override, stating " the backroom '' was holding the check. She promised to research the issue and call me back. XXXX PM : XXXX called back from XXXX. She claimed the " Pay to the Order of '' line was incorrect, despite the fact that I filled it out precisely under direct instruction from U.S. Bank branch tellers. She then cited a name mismatch because the check lists both of my last names while my account lists only XXXX. When I asserted my lawful consumer right to format my legal name on my bank account, she conceded I was correct. She also falsely claimed my account showed pending transactions ; no transactions were pending, as U.S. Bank had already stripped my access to the funds. Escalation Attempt : I requested to speak with the XXXX XXXX. I was instead transferred to an unnamed foreign male representative, who eventually routed me to a female representative. This representative confirmed she would log a formal note in my file alerting XXXX XXXX XXXX XXXX that I would be initiating contact. XXXX XXXX XXXX XXXX XXXX XXXX I was transferred to and placed direct calls to Market XXXX XXXX XXXX at her provided number ( XXXX ). I left XXXX detailed emergency voicemails explaining our financial distress. XXXX XXXX : My husband, XXXX XXXX, called XXXX XXXX and left a XXXX emergency voicemail authorizing the transaction and offering immediate identity verification. XXXX XXXX XXXX Having received XXXX response from management during business hours, we called XXXX a final time to re-verify the voicemail box name. Desired Resolution : U.S. Bank 's severe mismanagement and failure to communicate have directly caused significant consumer financial harm. We demand an immediate XXXX escalation, a digital protocol to verify my husband 's endorsement/identity over the phone or via secure email, and an immediate managerial override to release an emergency hardship allowance of {$500.00} to \ {$1000.00} into my active debit balance today until the rest of the {$18000.00} is cleared. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Since my last complaints the company has started to retaliate against me by having me verify in a branch with my identification. They have continued with this behavior and are doing this purposefully. I have called and they continue to do this. I had to file another claim per regulation E, they did not give the provisional credit per regulation E again. Again they are asking for more verification information even though i have submitted data to them. They continue to do this. Im asking that the employees who work for this bank whom have accessed my account be fired. also when calling this bank the employees dont give identification information so i can identify them. With the exception of m=one lady 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 monetary relief
Consumer complaint received 2026-06-23 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: MA

Complaint narrative:
b'I am seeking the implementation of my rights as outlined in FCRA Section 605B (U.S.C 1681c-2). As someone who has been affected by identity theft and Equifax data breach. I have the right to request that any fraudulent information be removed from my credit report. This law mandates that credit reporting agencies promptly eliminate any information that originated from the identity theft once they receive appropriate notification. Please delete within 4 days. This has caused me to be so sad and depressed as this is taking a toll on mXXXX XXXX XXXX I am currently in the homebuying process and my XXXX is through the roof. I strongly ask you to promptly take the proper steps to ensure that these protections are fully enforced. Noncompliance with these provisions undermines the integrity of the credit reporting system and exacerbates the harm inflicted on victims like myself. I look forward to the assistance of getting these items removed from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2026-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Axiom Acquisition Ventures, LLC
State: VA

Complaint narrative:
XXXXAxiom Acquisition Ventures LLC is attempting to collect an alleged debt that does not belong to me. Their own records contain an incorrect address associated with the alleged account an address that has never been mine raising serious concerns about the identity of the actual obligor. I have never had any business relationship with Axiom Acquisition Ventures LLC or the original creditor from whom they claim to have purchased this debt.XXXXI sent a formal debt validation request pursuant to 15 U.S.C. 1692g. Axiom failed to provide: the original signed agreement bearing my signature, a complete chain of title from the original creditor, authenticated account records, or any documentation establishing that I am the party responsible for this alleged debt. Their response consisted of reproduced documentation that does not meet federal validation requirements.XXXXI subsequently sent a Cease and Desist letter via USPS Certified Mail (tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX demanding they cease all collection activity and reporting. They have not responded and continue to pursue collection. I also filed a Motion to Dismiss in Portsmouth General District Court (Case No. XXXX) on the grounds of: failure to produce original contract, lack of standing, failure to validate the debt, inaccurate identifying information, and failure to establish the alleged balance. Axiom and their legal counsel Glasser and Glasser have refused to communicate or respond to any of my correspondence.\n\n\nThis conduct constitutes violations of 15 U.S.C. 1692g (failure to validate), 15 U.S.C. 1692c(c) (continuing collection after cease and desist), and 15 U.S.C. 1692f (unfair collection practices). My privacy rights have also been violated by the purchase and attempted collection of a debt that does not belong to me.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation