vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXXXXXX XXXX XXXX CFPB Complaint ID XXXX ( Related XXXX Case XXXX ) XXXX XXXX XXXX / Wells Fargo Claim # XXXX Account ending XXXX / Debit card ending XXXX I dispute Wells Fargos response as incomplete and inconsistent with the record.

Wells Fargos response confirms that no dispute was submitted to the Visa network and that the matter was reviewed under processing error, nonreceipt, and duplicate charge criteria. This is the first written confirmation of that position. It is inconsistent with multiple prior verbal representations made by Wells Fargo Executive Office representatives beginning in XX/XX/XXXX, during which Visa filings were described as having occurred and VROL reference numbers were provided. Our records of those calls are based on contemporaneous notes. 

The disputed transactions involve diagnostic services for which usable deliverables were not provided. This differs from processing error or nonreceipt and was not evaluated under a service-not-as-described or defective-deliverables framework. Wells Fargos response does not explain why the dispute was not evaluated under that framework. 

This matter remains under active supervisory review by the Office of the Comptroller of the Currency ( XXXX XXXX XXXX ). Wells Fargos XX/XX/XXXX CFPB response has been submitted to the XXXX as supplemental 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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing this complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act ( CFPA ) specifically Cashapp failed to take measures to prevent fraud to my account. This has caused me financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Complaint Regarding Disproportionate Credit Limit Reduction Citi Account I am submitting this complaint regarding Citis recent reduction of my credit limit from {$1600.00} to {$300.00}, an 81 % decrease, despite a flawless payment history on this account. 

I have never missed a payment with Citi. My current balance is {$23.00}, and the account has been managed responsibly since opening exactly one year ago.

Citis adverse action letter states that the decision was based, in whole or in part, on information obtained from XXXX. However, the credit issues reflected on my report are not new. The same disputed tradelines, elated to a single merchant matter, were present at the time Citi originally approved this account with a {$1600.00} limit. I was actively disputing those accounts then, just as I am now.

My credit score has not materially changed since the account was opened. There has been no significant deterioration in my credit profile that would justify such a drastic reduction. 

Additionally, I maintain XXXX other credit cards, all of which are in good standing with perfect payment history. I consistently pay my obligations on time and have established strong, positive relationships with my other creditors. 

There is no negative performance history on my Citi account, and no individualized account-based reason has been provided for this substantial credit limit reduction. 

My concerns are as follows : Citi relied on information that is currently under active dispute. 

The same credit conditions existed when the account was approved. 

There has been no material change in my creditworthiness. 

The 81 % reduction is disproportionate relative to my demonstrated payment history and overall profile. 

This decision does not reflect any legitimate change in my creditworthiness or risk ; I remain essentially the same responsible consumer as when the account was originally approved. Instead, this rash action, based on inaccurate reporting by other creditors, is causing a critical and unfair impact on my credit reports and overall financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am responding to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 
I dispute this debt. Until you provide the requested validation, please cease all collection activity and reporting to any credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
While I was incarcerated from XX/XX/XXXX to XX/XX/XXXX, an unauthorized person ( XXXX XXXX XXXX ) accessed my account and stole money. She was not legally married to me, not on the account, and had no permission. The bank denied my fraud claim incorrectly. I filed a police report and reported identity theft to federal agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENOVA INTERNATIONAL, INC.
State: SC

Complaint narrative:
I've reached out to all companies listed below for a signed bill of sale and was told by all companies that they didn't have one on file. This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. 
cashnetusa-XXXX- {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: FL

Complaint narrative:
NOTICE OF CIVIL LAWSUIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX phone number : ( XXXX ) XXXX I HAVE ALREADY EMAILED YOU COPY OF MY STATE ID THAT IS NOT EXPIRED AND COPY OF SSN CARD AND MY BRITH CERTIFICATE TO CHANGE MY ADDRESS ON MY ACCOUNT BUT YOU REFUSED SO I AM GOING TO FILE A CIVIL LAWSUIT AGAINST XXXX  XXXX  NEXT MONTH FOR IDENITY THEFT AND FRAUD WITH XXXX XXXX XXXX I WILL ALSO SUE FOR ALL MY XXXX  AND XXXX BENEFITS THAT ARE LOST OR STOLEN FROM NOW ON YOU WILL DEAL WITH MY ATTORNEY XXXX XXXX XXXX AND THE ATTORNEY GENERAL AND XXXX  ALSO POLICE REPORT FILED WITH XXXX XXXX WITH XXXX XXXX POLICE DEPT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : XXXX. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature. 
XXXX. The name and address of the original creditor, including the original account number. 
XXXX. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges. 
XXXX. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment. 
5. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law. 

Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. 

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
XXXX created an account in my name that I did not authorize and sent it to collections. I am an existing XXXX customer with XXXX active phone lines and did not request or consent to this additional account. 

I first contacted XXXX collections department about this issue in approximately XX/XX/year>. XXXX confirmed the account remained open and assigned case number XXXX. Despite this notice, the unauthorized collection account has remained unresolved for approximately XXXX months. 

This inaccurate credit reporting has significantly damaged my credit, lowering my score by nearly XXXX points and causing multiple credit card companies to reduce my available credit limits. It has also led to declined automatic payments and financial harm. 

I made multiple additional attempts to resolve this directly with XXXX, including XXXX calls requesting escalation to Fraud, Credit Reporting, or Executive Relations. Representatives failed or refused to transfer me and instead provided a non-functioning escalation phone number ( XXXX ). 

Despite documented credit harm and prior notice since XX/XX/year>, XXXX has not corrected or removed the inaccurate collection account. 

I am requesting immediate recall of the collection account, deletion from all credit bureaus, and written confirmation that the account was opened in error and I do not owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: SC

Complaint narrative:
I am submitting this complaint because Chime denied my dispute for a XXXX order that I never received. On XX/XX/year>, I ordered a stand mixer and an immersion blender from XXXX. The immersion blender was refunded, but the stand mixer was never delivered. 
XXXX marked the package as delivered, but the delivery photo shows it was delivered to my neighbors porch, not my house. I also have a photo of my own porch with my address visible, showing that the XXXX photo does not match my residence. 
Chime incorrectly categorized my dispute as XXXX XXXX Not Posted and listed the claim amount as {$100.00}. This is wrong my dispute is for merchandise not received, {$80.00}. Because of this misclassification, Chime investigated the wrong issue and denied my claim, even though I submitted all evidence including XXXX tracking, delivery photo, my porch photo, XXXX order confirmation, partial refund for the immersion blender, and all relevant XXXX emails. 
I request Chime reopen and properly review my dispute, issue a refund for the {$80.00} stand mixer, and provide a written explanation of why my evidence was ignored and why the dispute was denied. 
I am attaching all supporting documents : XXXX delivery photo showing wrong porch Photo of my porch with my address XXXX XXXX confirmation XXXX emails ( partial refund for immersion blender + denial email ) Chime denial letter / documents I have attempted to resolve this directly with Chime multiple times, but they have failed to take proper action. I request CFPB assistance to ensure this dispute is properly reviewed and the refund issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
It was obviously suspicious activity.my bank authorized XXXX worth of fraud transactions, they will not resolve the issue.i will sue them for negligence.they should have stopped these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a checking account online through the Truist website and used my XXXX XXXX debit card to deposit {$100.00} as the initial funding. On XX/XX/XXXX, my XXXX XXXX account showed that the transaction had posted. However, my Truist account still shows an available balance of XXXX. 

I contacted online customer service, and they informed me that my account had been frozen due to an identity verification issue and that I needed to call the fraud department. I called the fraud department multiple times, but they were unable to provide a solution and insisted that I bring XXXX forms of ID to a branch in order to unfreeze the account. 

I explained that I was recently involved in a rear-end car accident and am still experiencing the effects of a concussion, which makes it difficult for me to visit a branch in person. I therefore requested that they close my account and return my initial {$100.00} deposit to the original payment method. After multiple attempts to resolve the issue, customer service told me that the only option is to go to a branch. 

I am filing this complaint here and respectfully request that Truists senior customer service team intervene as soon as possible to resolve my account closure or unfreezing request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: UT

Complaint narrative:
I'm currently trying to buy my XXXX  home, and I opened a Chime checking account on a friend 's recommendation. It was only when my credit union emailed me about a new account on my XXXX XXXX that I discovered what they'd done. 

Chime used deceptive enrollment practices to bundle an unwanted credit card in with the checking account enrollment. I was signed up for a credit card without my knowledge or understanding. There were no clear or conspicuous disclosures about it at any time during the process. When I called to ask that the account opening be removed from my credit history, they refused to acknowledge blame, refused a clear answer, and tried to blame the credit reporting agencies for the negative impact to my credit history. They then tried to convince me XXXX separate times not to close the card I didn't want, giving me a well-rehearsed sales pitch and repeatedly redirecting the call to that point. 

This has caused me direct and serious financial harm. It has impacted my ability to secure a mortgage for my first home, lowering the average age of my credit dramatically. My XXXX  lender has already raised questions, and Chime 's unapproved actions might cost me my ability to buy the home I've been waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : XXXX. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature. 
XXXX. The name and address of the original creditor, including the original account number. 
XXXX. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges. 
XXXX. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment. 
XXXX. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law. 

Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. 

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I made my mortgage payments on time online and received payment confirmations. Despite this, XXXX XXXX XXXX claims they did not receive the payments and sent a notice stating I am XXXX XXXX  behind, which is false. 

Previously, SPS blamed XXXX delays for late statements. However, after I filed complaints, statements suddenly arrived on time, contradicting their explanation. Even though payments were made online to avoid mailing delays, SPS still failed to properly apply them. 

I repeatedly contacted SPS, provided proof of payment, and requested corrections. Instead of fixing the error, they issued conflicting explanations, continued to misapply payments, and send distressing delinquency notices, causing unnecessary fear and confusion. This conduct is especially concerning as it impacts an elderly household.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Synchrony Bank on my CareCredit account ending in XXXX. 

The account was affected by a billing error related to a delayed merchant refund for dental services in XXXX. During the refund delay period, interest continued to accrue and the account was reported as XXXX days delinquent. ( XXXX  days past due as of XXXX XXXX days past due as of XXXX XXXX days past due as of XXXX XXXX days past due as of XXXX XXXX days past due as of XX/XX/year>. ) Synchrony Bank has since acknowledged the billing error, reversed the interest charges, corrected the account balance, and issued a refund check. 

However, despite correcting the underlying billing error, the XXXX day delinquency continues to be reported to the credit bureaus. I contacted customer service and requested confirmation that the delinquency reporting would be removed. I was informed that customer service does not have authority over credit reporting corrections and could not confirm removal. 

Because the delinquency resulted solely from a billing error that has now been fully corrected, continued reporting of this delinquency is inaccurate under the Fair Credit Reporting Act. 

I am requesting that Synchrony Bank remove the delinquency reporting associated with this billing error and update all credit bureaus accordingly.

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