vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I understand Chimes position, but this was not a normal purchase dispute or authorized payment between friends. I was actively being socially engineered by individuals impersonating Chime representatives and XXXX customer service. They instructed me to send the transfers as part of what I believed was a legitimate fraud-prevention/security process. I would never have sent those funds otherwise. This was a scam involving impersonation and deception, not simply buyers remorse or dissatisfaction with goods/services. The fact that I physically initiated the transfer does not mean it was truly authorized in the ordinary sense, because it was done under fraudulent misrepresentation by criminals pretending to represent trusted financial institutions. I am requesting that Chime escalate this matter for further review under fraud/social engineering scam procedures and provide all evidence relied upon in denying my claim, including device/login analysis, IP logs, recordings/transcripts of my calls or chats, and any indicators used to conclude there was no account takeover or fraud involved. I also ask that Chime reconsider the denial given the circumstances and the clear impersonation scam involved. I have already filed a CFPB complaint and am prepared to provide additional evidence, including screenshots, phone numbers, messages, and timelines related to the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
I disputed the accuracy and completeness of this account and requested validation and supporting documentation. Jefferson Capital continues to report derogatory information that I believe is inaccurate, incomplete, and/or unverified. I requested documentation supporting the debt and the information being furnished to consumer reporting agencies, but the information provided was insufficient to verify the account. Continued reporting of unverified information is negatively affecting my credit profile and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo closed my XXXX XXXXXXXX XXXX XXXX account citing failure to complete income verification. I never received any notice requesting verification by mail, email, phone, or secure message. Prior to closure, I completed the spending requirements for the advertised welcome bonus. After closure, Wells Fargo refused to honor the earned bonus and has been unable to route me to a department capable of resolving the issue despite repeated calls.

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 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I was scammed through cash app and filed a dispute which cash app said they would resolve but they failed to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
WELLS FARGO abruptly closed mine and my daughters accounts on Wednesday XX/XX/year>. They stated multiple fraudulent checks were deposited by a mobile check deposit. My girls and I never had checks let alone know what mobile deposit is because we never used it ever. I've been having nothing but problems the past few months with Wells Fargo now because of all this my account has been overdrawn. I know I had about $ XXXX {$500.00} in my account when I looked at it last and that was enough to cover my vet bills and have a little bit left to get by until payday. They say someone logged into my online banking so now I believe my information has been stolen. Not even a month ago money was unauthorized from my account to a XXXX investment I called XXXX investment to see if my {$350.00} that was unauthorized went there they said they couldn't find any information. And I also opened a complaint about that but did not get my {$350.00} back. So God knows where that is I've talked to a fraud claim manager she told me there could've been a breach in their system. So now not only has my account been overdrawn I also lose out on {$350.00}. They did not tell me where these checks came from they couldn't give me barely any information to where my {$350.00} went this is ridiculous. I've been with this bank over 15 years and all of a sudden transactions and debits been made and they sure weren't made by me. I've seen Alot of news about wells fargo being pretty good at opening accounts in people 's names and judgments against them. So if I could please get information on where these checks came from and where my {$350.00} went I would greatly appreciate it. So I believe my identity was stolen from all this. I know one thing for sure I would never in my life do business with WELLS FARGO I hope no one else has to go through this like I did. This is not a laughing 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 explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the above date on XX/XX/year> Bank of America deposits my full check from another institution by the name of XXXX. XXXX issued me a XXXX cents check on my account. Unlikely bank posted my check and I used XXXX of the funds and later during XXXX of XXXX 1 month later the bank freeze my account suddenly. My accounts are nevertheless frozen due to any fraud and the illegality sent the funds back to where it comes from as the Bank of America risks management team stated. In this situation the bank misunderstood my needs for 4 years now and have yet to release my funds. Neither did they offer me withdrawal benefits or deposit to the account. I have tried several times time to ask my bank to send a request that Bank of America requesting and they said that that they part to acknowledge our request but if they didnt I have to file a complaint thats the whole situation.

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla Visa gift card that showed a valid balance and appeared properly activated, yet it was repeatedly declined across virtually every platform I attempted to use, including XXXX, XXXX, and XXXX XXXX. Despite hours spent troubleshooting, verifying the balance, and attempting alternative payment methods, the card functioned as little more than a piece of plastic with inaccessible funds attached to it. To make matters worse, customer support appears intentionally inaccessible, consisting almost entirely of automated systems with no meaningful path to reach a live representative or resolve the issue. As someone living in a rural area without easy access to physical stores, the inability to use the card online rendered it effectively useless. The experience has been deeply frustrating and feels misleading to consumers who reasonably expect a Visa gift card to function like a normal payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am filing this formal complaint regarding the inconsistent handling of XXXX XXXX # XXXX. My account was permanently terminated by the merchant on XX/XX/year>. This termination constitutes a total failure of service delivery and a breach of contract under XXXX Reason Code XXXX. The banks internal system approved Claim # XXXX within this file for 'Services Not Rendered. ' However, the bank has denied the remaining claims in this same file, citing 'Terms of Service ' that do not apply to a unilateral merchant termination. I am requesting : A formal, line-by-line audit of XXXX XXXX # XXXX by the Executive Office to resolve this inconsistency. An explanation for why Claim # XXXX was approved while identical claims were denied for the same termination event. Verification of the Acquirer Reference Number ( ARN ) for the credit associated with Claim # XXXX, as this credit has not been received, and bank representatives have refused to provide trace documentation. I have attempted to resolve this through multiple calls to the Claims Assistance Center, but representatives have refused to escalate the issue or provide reference numbers for my inquiries. I am seeking a prompt, written resolution from the banks Executive Office.

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 — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: IPAC'S Inc.
State: NC

Complaint narrative:
On XX/XX/year>, XXXX, they wrote to me in a threatening way to come to my house by obtaining my location, on an account that is old .. Im in college and the company obtain funds through XXXX to fix my moms and dads car. They told them they were getting tires and they actually lied and claimed they were gon na fix my moms and dad suspension. They did not fix it at all. My mom and dad called XXXX XXXX XXXX XXXX NC and XXXX 3 years ago and told them the tire company lied to them .. and they did not give me any tires. They told XXXX and they said they were gon na take care of it but they did not. They turned my account over to XXXX, in which they have the wrong price that it was. This is what they wrote me today on XX/XX/year>, Ive copied and pasted the messages. See below. XXXX ( XXXX ) XXXX ) Text Message SMS Today XXXXXXXX XXXX XXXX XXXX this message is from XXXX. We are verifying your location regarding your Past-Due Account with XXXX XXXX to Own. It is urgent, and time sensitive you call our office to discuss voluntary options for your Negative Balance of {$1700.00}. To speak to a live representative please call XXXX and while calling back reference your Filing ID # XXXX If you did not expect this message from an unknown sender, it may be spam. I want to report their threatening tactics to find my location.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: MD

Complaint narrative:
Unifin Inc incorporated Complaint called me in XX/XX/year>. Saying that I owe a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: OH

Complaint narrative:
ATTENTION CFPB INVESTIGATOR : DENY AUTOMATED 60-DAY EXTENSION REQUESTS DUE TO WILLFUL MISREPRESENTATION I am an identity theft victim filing directly against Oliphant USA , LLC to stop a non-compliant credit reporting shell game run with its affiliate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is defaming my XXXX profile. THE AUTOMATED 60-DAY STALL IS INVALID : Oliphant USA , LLC already holds my formal Station House Police Report ( No. XXXX ) and FTC Identity Theft Affidavit ( No. XXXX ). They previously investigated this exact fraud file and deleted it in XXXX. A debt buyer can not claim they need an administrative 60-day extension to locate or review records they have already processed and purged. DECEPTIVE CO-MINGLED TIMELINE ON XXXX : XX/XX/year> : Oliphant received my law enforcement reports and deleted the fraudulent account. XX/XX/year> : Five days later, Oliphant bypassed federal law and executed an illegal RE-INSERTION, putting the fraud line back on my XXXX report. Corporate Name-Swap : As proven by their own corporate letterhead, Oliphant and XXXX operate out of the exact same office ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX. They are shuffling this identical {$8800.00} debt sequence ( Original Creditor : XXXX ; XXXX XXXX : XXXX ) between their corporate names to evade statutory fraud blocks and mask re-insertions. FEDERAL VIOLATIONS : Deleting an identity theft trade line to clear an active dispute and re-reporting it under an affiliate name facially violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( Illegal Re-insertion without the mandatory 5-day notice ) and 15 U.S.C. 1692e ( Deceptive collection practices ). This willful non-compliance constitutes consumer credit defamation under 15 U.S.C. 1681n. Intervene and enforce immediate deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
Sent the following email to XXXX on XX/XX/XXXX. No response. XX/XX/XXXX, I called them for XXXX ) my account number, and XXXX ) another email address. The woman told me they do not respond to email but provided XXXX. I resent the same email, including my account number to this address. But as the woman said, they do not respond. I want to resolve this issue and have made the effort to negotiate. I just need a little support to encourage them. RE : Account/Reference Number : unavailable on credit report Original Creditor : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, VA XXXX XXXX Name : XXXX XXXX XXXX XXXX Balance : {$11000.00} To Whom It May Concern : This email is a formal offer of compromise regarding the above-referenced account. Please note that this offer does not constitute an acknowledgment of liability for this debt in any form. I am currently resolving various credit reporting matters. I have a limited, one-time pool of funds available to close out disputed or outstanding accounts. I am offering to pay a lump sum of {$2800.00} to settle this account in full. This offer is contingent upon your written agreement to the following terms : 1. Acceptance of this payment will serve as a complete and final settlement of the debt. The remaining balance will be entirely forgiven, and no further collection attempts will be made by National Credit Systems, the original creditor, or any third-party assignee. 2. Upon receipt of this payment, National Credit Systems will submit a request to XXXX XXXX XXXX and any other relevant credit reporting agencies to completely delete the tradeline and any associated negative remarks related to this account from my credit files. If you agree to these terms, please reply to this email with a signed letter of agreement on your company letterhead stating that upon receipt of the {$2800.00}, the account will be considered satisfied in full and the tradeline will be deleted from all major credit bureaus. Once I receive your written agreement, I will immediately forward the payment via your requested secure method. Please be advised : If I do not receive your written acceptance of these terms within 15 days of this email, this offer will be formally withdrawn, and those funds will be allocated to another matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Why is it that Wells Fargo continues to be vindictive because I received the {$50000.00} Grant from the state of Pennsylvania to pay for the mortgage that was in deep debt? Now all of a sudden theyre now reviewing the {$50000.00} Grant according to their Mortgage Department in which had went against the 2006 Contract of placing an additional {$70000.00} towards my mortgage after they reviewed the {$50000.00} Grant. Im asking if you all can fwd this to the XXXX XXXX XXXX Department Of Justice because this is fraudulent activities and plus theyre dragging their feet on calculating all of the past payments in which surpasses the rear and current amount of whats due

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am filing this complaint regarding Resurgent Capital Services and LVNV Funding LLC for repeated deficient investigations, continued furnishing of disputed information, and failure to provide competent debt validation despite multiple written disputes. I disputed multiple LVNV Funding LLC accounts being serviced by Resurgent Capital Services. These disputes were sent in writing and specifically requested documentation supporting the alleged debts and verification of the information being reported to the credit bureaus. Instead of providing meaningful validation, Resurgent repeatedly mailed nearly identical generic form letters dated XX/XX/year> and XX/XX/year>. These letters used boilerplate language such as provides verification of debt or initiated a review, but failed to provide the documentation requested. To date, the company has failed to provide : A signed agreement bearing my signature Complete account-level statements Documentation establishing the chain of assignment or ownership by LVNV Funding LLC A complete accounting of the balances claimed Evidence that a reasonable investigation was conducted Competent written responses addressing the factual disputes raised The company also repeatedly requested that I contact them by telephone despite my written notice that I require all communications to remain in writing only. Despite the lack of meaningful validation, the accounts continue to be reported to XXXX with active balances, including approximately : LVNV Funding LLC approximately {$2000.00} LVNV Funding LLC approximately {$460.00} I also documented inconsistent and conflicting reporting activity involving related accounts and furnishers, including reporting discrepancies involving XXXX XXXX and other collection accounts. I believe Resurgent Capital Services and LVNV Funding LLC are : failing to conduct a reasonable investigation after disputes, continuing to furnish disputed information without competent verification, relying on generic boilerplate responses instead of actual investigations, and continuing collection/reporting activity without providing proper validation. I am requesting : 1. A full investigation into the companys dispute and reporting practices. 2. Verification of whether a reasonable investigation was actually conducted. 3. Deletion or correction of any information that can not be properly verified. 4. Written responses only going forward. 5. Documentation identifying what evidence was relied upon to verify these accounts. I have retained copies of all dispute letters, investigation results, credit bureau updates, reporting screenshots, and repeated generic responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I, XXXX XXXX, Federal Register Number XXXX, currently XXXX at XXXX XXXX XXXX , hereby state under penalty of perjury that the XXXX account appearing on my consumer credit report is fraudulent and was not opened, authorized, used, or benefited from by me. At the time this alleged account was established and/or incurred, I was in federal custody and physically unable to personally initiate residential utility or telecommunications services associated with this account. Because of my incarceration status, I could not legally or physically enter into any service agreement, activate services, install equipment, or utilize the alleged account being reported. I have reason to believe this account resulted from identity theft, unauthorized use of my personal information, mixed-file reporting, or negligent verification procedures by the furnisher and/or credit reporting agencies. The reporting of this account is inaccurate and harmful to my credit reputation and violates protections afforded under the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy, 15 U.S.C. 1681i requiring reasonable reinvestigation of disputed accounts, and 15 U.S.C. 1681s-2 prohibiting the reporting of inaccurate information. I did not authorize any person, company, or third party to open or use this account on my behalf. Any contract, signature, electronic authorization, or service agreement connected to this account is disputed and believed to be unauthorized or fraudulent. I respectfully request : Immediate classification of this account as identity theft/fraud ; Immediate blocking and removal of the fraudulent tradeline from my consumer reports pursuant to 15 U.S.C. 1681c-2 ; A complete investigation into the source of the fraudulent activity ; Copies of all applications, signatures, IP logs, service records, and verification documents connected to this account. I further request that this statement be attached to all relevant fraud and identity theft reports associated with this matter. I declare under penalty of perjury that the foregoing is true and correct to the best of my knowledge. Sincerely, XXXX XXXX Federal Register Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX KY 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