vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-23 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: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.-created Debt collection complaint

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: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX continues reporting a collection account with a balance of {$1400.00} on my TransUnion credit report. I disputed this account and requested validation of the alleged debt, including a signed contract, complete account statements, payment history, proof of ownership of the debt, chain of assignment, and documentation supporting the balance being reported. XXXX failed to provide sufficient documentation to validate the debt. The company did not provide competent evidence demonstrating that I am legally responsible for the alleged account, nor did it provide adequate documentation supporting its continued reporting. Despite my request for validation, XXXX continues furnishing this collection account to TransUnion. The account remains reported as an open collection account and continues to negatively impact my credit profile. I am requesting that XXXX either provide complete documentary evidence supporting the debt and its reporting or immediately delete the tradeline from all consumer reporting agencies. If XXXX can not fully validate the debt, continued reporting should cease. I request CFPB assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and to stop the reporting of unverified information.

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 — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit cards open without my consent or knowledge due to XXXX breach

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: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Today is XX/XX/year>. I noticed this policy change a few days ago, but have not had time to gather information until now. USAA FSB has recently changed their policy on electronic banking. If I schedule a Bill Pay that results in an electronic transmission of funds, they remove the money from my account XXXX business day prior to completing the electronic transmission. If I request a physical check be sent, they remove the money from my account XXXX business days before the date the check is due to arrive. If there are not sufficient funds in the account when they go to remove them either XXXX or XXXX business days prior, then they cancel the transaction. You then have to get funs in the account and reschedule the transaction. This could mean a delayed payment and penalties from the receiving party of the check is delayed. So, in some cases for the electronic submission, money could be taken out XXXX to 4 days prior depending on holidays. For the mailed check it could be XXXX to XXXX days prior. I am responsible for managing my funds, not the bank. The bank has had policies where they penalize individual account holders with overdraft fees, etc., should such a thing occur. Now, they are penalizing everyone. While I have been fortunate in life not to deal with this situation more than a doze times or so, in my younger years, real life happens and if I know I am getting deposit in the bank on Monday the XXXX, for example, there is no reason why I can not schedule a payment for Wednesday the XXXX. Here is their webpage with the FAQ. XXXX XXXX XXXX Also, I am very concerned that USAA can now use my money to invest in other financial vehicles for s short term period and make money on my money beacuase they pulled it before the payment was made. This is serious overreach, in my opinion, and I am sending this complaint in for investigation and reporting of potential outcomes. 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 explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Macys/XXXX has always charged me {$2.00} everytime I paid off my credit balance. And everytime I would call them and tell them to take it off my account because I did not carry a balance when the next statement was printed. They will take it off. What I would like to know if this is a legitimate charge. I have spoken with another Macys customer who said the same thing, and that she just gets tired of fighting with them. I dont think I will use their card anymore, if they continue to charge people for paying off their accounts and their interest is about XXXX percent. Is this legal?

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: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I moved out of this place in XXXX of XXXX, I was told when I handed the keys over that I did not owe them anything and was good to go. They were going to remodel the apartment that I was moving out of because it was old and needed fixed. I then get emails with proof after from this very company of {$0.00} owed, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. All these email show {$0.00} owed, and last payment was XX/XX/XXXX because I moved out and in my new place XXXX of XXXX. I have been fighting this for a long time now and it has not been removed off my credit. Because it has not been off of my credit I can not get a loan for a vehicle or home that I am looking to buy? I have filed for a loan with my bank XXXX XXXX and they will not give me a loan of anything due to this, a bank of which I have been with for several years now! I would like this to be removed.

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 — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Never miss a payment hard to add my business account for auto pay have to call to pay very inconvenient I paid in full

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am victim of very extremely severe theft and deceptive crime i am an individual whose internet accounts are being hacked and a group of deceptive individuals controlling my personal wealth and have made me live deep below poverty levels in XXXX last XXXX years injured me in indonesian detentions and thai and XXXX detentions and injured me in low XXXX XXXX XXXX XXXXXXXX hospitals and still pretending it's an act of regulation I am owner of XXXX wellsfargo advantage checking account and it did not have income from my capital or wealth account XXXX and when i complaint in XXXX XXXX XXXX XXXX XXXXXXXX XXXX of XXXX prevented me getting money now i have a dead mother missing wife XXXX i have not lived with after XXXX i am injured. The account had a atm.card that expired in XX/XX/XXXX and after that the sun.com company was sold to XXXX.and me attacked by XXXX despicable thieves in XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and later XXXX criminals one might be grand XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX swarup and fourth name i don't know captured me when i was alone from gayatri akathethara palakkad injured me by detaining me in vshalom care and cure using a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are other criminals that injured me altered my diet and i lost a XXXX XXXX forever .. i need to know the atm.card number and whatever details of the atm card as some thieves have stolen it and must have acted like my lawyers and recieved my money i am attaching the statement. Please send me a photocopy of the XXXX digit atm card number

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 — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Read my email from Wells Fargo on XX/XX/year> reminding me of my credit card payment for XX/XX/year>. I copied the check both front and back showing it was received by said company in the amount of {$100.00} for XX/XX/year>. I called said company to verify this information, but representative hung up on me when I became upset. I received a call from a man named XXXX who gave me a case # XXXX, and he would look into my case. I then received a letter from said company regarding my case stating they never received XX/XX/year> payment, so they wanted additional information including my checking account number, check number, routing number, and a copy of the cleared check from my bank, both front and back. I sent a copy of this information highlighting the checking account number, routing number, and a copy of the check both front and back. I never heard back from this man XXXX, but instead received more emails telling me my payment is past due. I have received numerous emails since then stating they never received my XX/XX/year> payment, and now my XX/XX/year> payment. I send {$100.00} each month to said company. I need help with this please. Thank you for your attention in this 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 monetary relief
Consumer complaint received 2026-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am setting up a XXXX account solely to pay a debt of more than {$200.00} to a family member. I have followed Wells Fargo 's instructions carefully, but XXXX refuses to let me send the money. Wells Fargo gave inconsistent instructions on how to activate my XXXX account. Initially, they said providing my email was enough. Later, they required my mobile number to receive an activation code, which I entered on my desktop computer. This did not allow me to send money. After I tried replying with " YES ENROLL '' as instructed by a Wells Fargo text, my response was repeatedly rejected. Now, Wells Fargo says it will resolve the issue without further action from me by XX/XX/year>. However, because their guidance has shifted repeatedly, I doubt this resolution will happen.

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 was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

Complaint narrative:
I never authorized an account or business with this merchant.i am a victim of identity theft XXXX XXXX XXXX {$410.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen by a cyclist while I was walking on the street during a vacation in XXXX XXXX. At the time of the theft, my phone was unlocked. On XX/XX/XXXX, I received an email from Wells Fargo indicating that suspected fraud had occurred, specifically an attempted XXXX transfer of {$3400.00} from my account. Shortly afterward, I received another email confirming that the transaction had been approved. I immediately contacted Wells Fargo and spoke with a representative, who opened a fraud claim ( Claim # XXXX ). I asked if the transaction could be stopped, but I was told that they did not have the account details the money was sent to and that the matter would need to be reviewed through the claims process. My account was then frozen, and I was told I would receive a follow-up call, which never occurred. On XX/XX/XXXX, after returning to the United States, I contacted Wells Fargo again to unlock my account and request an update. At that time, I was informed that my claim had already been denied. After speaking with a supervisor, I was told that additional information would be submitted to the fraud team for further review. I did not receive any follow-up communication, so I visited a Wells Fargo branch in person on XX/XX/XXXX. The branch staff informed me they could not assist and directed me to call the number listed on my claim letter. I then called Wells Fargo again and, after speaking with another representative who could not help, I requested a supervisor. The supervisor opened a second claim ( # XXXX ) and told me I would receive a response within 23 days. I did not receive a response, so I followed up again on XX/XX/XXXX. At that time, I was informed that the second claim had also been denied and that there was nothing further Wells Fargo could do. This {$3400.00} transfer was made without my authorization after my phone was stolen. I believe the theft was facilitated by a vulnerability in the Wells Fargo app that allows someone to access and initiate transfers from a device without sufficient authentication safeguards. I have documented this issue and can provide it as supporting evidence, along with records of all communications with Wells Fargo.

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: CITIBANK, N.A.
State: NY

Complaint narrative:
I deposited {$310.00} in cash into a Citibank ATM on Monday, XX/XX/XXXX at XXXX XXXX. During the transaction, the ATM displayed an error message after accepting the cash, and the funds were not credited to my account. I contacted the bank on XX/XX/XXXX to report the missing deposit. The bank issued provisional credit on XX/XX/XXXX while the claim was under investigation. My credit card payment was due on XX/XX/XXXX, prior to the issuance of provisional credit. On XX/XX/XXXX, the bank reversed the provisional credit, stating they did not find a record of the cash deposit. I appealed the decision on XX/XX/XXXX, but the bank denied the appeal on XX/XX/XXXX and upheld its original determination. As a result of the timing of the reversal, my available funds were reduced during my XXXX and XXXX credit card billing cycles, affecting my ability to fully meet payment obligations as originally planned.

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: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Superior Holdings, LLC
State: IN

Complaint narrative:
Paid off XXXX XXXX amount in XXXX. Tried calling and talking to local SAC branch who forwarded us to Finance company who said they'd get it taken care off. After several attempts to check up on it through the past XXXX years they still have not responded or provided any documentation, nor has the lien been removed or title provided. Filed prior complaint with CFPB # XXXX which was closed pending information provided by company to me and CFPB. I am unaware of what information that was, as I was NOT provided that information by CFPB or SAC Finance, so I'm filing another complaint, as they have my current address, and I've yet to receive the lien release or any communication. I have yet again requested information but now the company only accepts voicemail messages with no live person to talk to so I have no idea if they have actually received my communication.

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: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
I deposited a check from my mortgage company on Friday the XXXX and US Bank is now telling me I cant access the funds until XX/XX/XXXX. So that means I have absolutely no money for 12 days. I cant put gas in my car, I cant buy food, and I cant do anything. They are calling it a 7 day hold. It is a check from XXXX bank to another, why do they need to hold it for so long? This is absolutely wrong to do this to a person. Ive asked them to release the hold. Ive asked them why this is necessary. They told me its just what we do. So I am 100 % without a dime to my name until their system allows this to go through. XXXX disgusted and very upset.

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 was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 2026-06-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ARVEST BANK GROUP, INC.
State: KS

Complaint narrative:
XX/XX/year> XXXX I made XXXX check deposits from XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These are XXXX payouts from a job a retired from recently. The teller removed the checks from the perforated paper reciept of my XXXX payouts. We chatted about me starting a new business as she processed the checks. She handed me a reciept and said be sure to come back when you get your XXXX & XXXX information to set up some business accounts. No where on the reciept does it say there is a hold and the teller never mentioned a hold during our face to face interaction. The XXXX checks have still not posted a of the filing of this complaint of a Regulation CC violation. {$9900.00} CHECK NUMBER XXXX {$5300.00} CHECK NUMBER XXXX As of this submission I am currently - {$790.00} with pending autopay withdraws for bills and our house insurance.

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