vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent {$4000.00} via XXXX from XXXX Bank of America XXXX account based on a verbal representation that the funds would be returned within a short timeframe. The payment was not a gift or donation. I sent the funds with the understanding that repayment would occur. 

Communication with the recipient continued initially. On XX/XX/XXXX, the recipient stopped responding entirely. After that date, I sent repayment requests through XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX  XX/XX/XXXX in an effort XXXX  recover the original {$4000.00}. No response or payment was ever made. 

After repeated failed attempts XXXX  recover the funds XXXX  complete silence from the recipient, it became clear that repayment would not occur XXXX  that I had been misled. I submitted a scam claim XXXX  Bank of America on XX/XX/XXXX XXXX  the loss became fully apparent. 

Bank of America denied my claim stating that it fell outside their internal dispute timeframe. The denial did not appear XXXX  consider that the scam was not immediately apparent when the funds were originally sent, XXXX  that I attempted XXXX  resolve the matter directly with the recipient before filing the claim. 

This was an authorized payment induced by misrepresentation, XXXX  the loss was discovered only after communication ceased XXXX  repayment failed despite multiple documented attempts. 

I am requesting reconsideration of my claim based on delayed discovery of the scam XXXX  a review of whether proper scam-handling procedures were followed.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Avant Holding Company, Inc.
State: RI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Communication Validation Request / Avant Account Name : XXXX XXXX XXXX XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX, XXXX, RI XXXX To Whom It May Concern : I am writing regarding the above-referenced account. I dispute this alleged debt and request validation of the claim. 

Pursuant to 15 U.S.C. 1692c of the Fair Debt Collection Practices Act, you are hereby notified to cease and desist all communication with me regarding this matter, except as permitted by law to : 1. Provide written verification and validation of the alleged debt, and 2. Notify me of any specific legal action you intend to take, if applicable. 


You are not to contact me by telephone, email, text message, or through any third parties, including family members, employers, or acquaintances. All permitted communication must be in writing and sent to the mailing address listed above. 

If you fail to comply with this request, I will document all further contact and consider filing complaints with the appropriate regulatory agencies and pursuing my legal rights under the Fair Debt Collection Practices Act and any other applicable laws. 

Please confirm in writing that you have received this request and that you will comply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On XX/XX/year>, I was defrauded through a deceptive gambling-style operation known as the Marble Game / Razzle Dazzle while in XXXX. The operators intentionally miscounted numbers during gameplay to manipulate outcomes and increase losses. The game was falsely represented as fair, but the results were deliberately altered. 

As a result, I was charged multiple times on my credit cards, including duplicate charges for the same large amounts. The charge processed on my XXXX Credit Card. The total fraudulent amount charged across the card is {$740.00} After identifying the duplicate and unauthorized charges, I contacted both credit card issuers to dispute the transactions. Despite clear evidence of fraud, including manipulated gameplay, duplicate billing, merchant misrepresentation, and intimidation when challenged, both credit cards denied my dispute twice. 

Additionally, the business does not operate with a legitimate RUC ( tax registration number ). The operators provided fraudulent documentation to create the appearance of a legitimate business. The payment processing company does not share the same legal name as the business being represented, which appears to be an intentional effort to disguise their operations. 

I have filed a federal FTC complaint regarding this organized fraud report number XXXX. Despite this, both credit card issuers refused to reverse the fraudulent charges. This denial is unjust given the clear evidence of fraud, duplicate billing, and deceptive practices. 

I am requesting that the CFPB review my case and assist in securing a resolution, including reversal of the unauthorized charges on my credit cards. 

The operators also provided documentation that appeared to falsely suggest affiliation with or backing by a governmental authority. The documents were presented in a manner designed to give the impression that the business was officially registered, licensed, or endorsed by a government entity. Upon closer review, the documentation did not correspond to a legitimate or verifiable government registration Here is an explanation of the fraud that has happened to many people. 

XX/XX/XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I applied for a personal loan through Sofi, and was approved. I did the paperwork, signed the papers, and did everything that was required. I then proceeded to wait to get the funds transferred into my account. But they it never came. I later got contacted by someone from Sofi a little over a week later after getting excepted for the loan. He stated ( in broken English ) that they could not transfer the funds because the bank would not except the transfer. He told me they needed a check or something that could verify my account. I asked him how I would do that, but he just proceeded to end the call with me. I later find out that the whole loan was canceled. Sofi has admitted it was a mistake on their end, so they have been trying ( according to the many phone calls ) to get it back so I can receive my loan. That was over a month and 4 calls ago. I have tried to be patient, but every time I call they just tell me the same thing, " the dispute is still pending and theres nothing we can do. '' They've already pulled my credit which has given me a hard inquiry on my credit report, so I would like this solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: TX

Complaint narrative:
Wellsfargo denied our claim without a solid explination and didn't not follow the law. I want to reopen the case with CFPB again. 
Wells Fargo case number : XXXX Account number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX I am disputing Wells Fargos denial of my Regulation E claim for unauthorized Apple Pay transactions. These charges were made when a taxi driver took my phone out of my hands without permission and completed XXXX XXXX transactions. I did not authorize these transactions, did not give anyone consent, and did not provide my access device or credentials to anyone. Under Regulation E ( 1005.2 ( m ) ), an unauthorized electronic fund transfer includes any transfer initiated by a person who obtained access to the consumers device through fraud or without authority. This applies even when the transaction was made on the consumers device. Wells Fargo has not provided evidence that I authorized these XXXX XXXX transactions, nor have they produced device logs, biometric records, token provisioning records, or any documentation required under Regulation E 1005.11 ( d ). Instead, they simply denied responsibility without meeting their burden of proof. I am requesting that Wells Fargo : 1. Provide all internal investigation notes, device-level evidence, and logs used to deny my claim. 2. Provide evidence that the transactions were authorized as defined by Regulation E. 3. Reimburse the unauthorized charges as required under Regulation E.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
According to 15 U.S.C. XXXX,XX/XX/XXXX is not allowed to report late payments to credit bureaus. XX/XX/XXXX is required to follow certain guidelines to comply with the FCRA, and failure to do so may result in penalties and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ThunderRoad Financial, LLC
State: NC

Complaint narrative:
Debts that do not belong to me. These accounts were due to the credit bureaus data breaches. These items are showing negatively on my credit report. 

Thunder Road XX/XX/XXXXXXXX {$3100.00} XX/XX/XXXXXXXX {$0.00} XXXXXX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Global Lending Services LLC
State: AZ

Complaint narrative:
i have paid my loan on time for the first XXXX months, i had XXXX XXXXXXXX and have not worked for the past month, i called the loan company explained i would be making partial payments for the next few weeks. they call XXXX to XXXX times a day asking for money, i have lived up to the agreement, they keep harassing me everyday, even on Sunday late evening, the company is global lending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: FL

Complaint narrative:
I was in need of a {$3000.00} loan, had made a few request over the internet, XXXX XXXX had send a txt with approval and to call to process and after all my info given the payment was going to be {$560.00} which at that moment I told the rep I was not going to accept it XX/XX/XXXXto payment was to high, she told it had already processed and that she couldnt cancel it that I need it to wait till money was deposit and then call to see what could be done. The interest rate was never disclose but I was told it was a monthly payment. I tried after the deposit to cancel but never git that option, was told if in good faith payments are made it could be refinance it never happened, I just didnt get anywhere just recently found out I could get in their web page an see my account thats when i saw the interest rate and that my payments since XX/XX/scrub> 2025 has been on a biweekly manner, I had paid over 10K now I want them to just refund overpayment. My next payment is due XX/XX/XXXXXXXX of this XXXX and I am not willing to continue paying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: KY

Complaint narrative:
SUNRISE CREDIT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISE CREDIT SERVICE is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - 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 2026-02-18 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: Ability Recovery Services, LLC
State: SC

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
Company : Wells Fargo Bank Issue Type : Checking or savings account Problem : Problem with a deposit or withdrawal Sub-issue : ATM deposit not credited On XX/XX/XXXX, I deposited cash into a Wells Fargo ATM. The ATM accepted the deposit ; however, {$100.00} of that deposit was never credited to my account. 
I promptly filed a claim to avoid any delay in reporting. Wells Fargo later denied my claim based solely on their statement that the ATM audit did not reveal any loose or jammed funds. 

I respectfully dispute this conclusion. The absence of loose cash during an audit does not conclusively prove that the ATM did not malfunction or temporarily retain the funds. ATMs are complex mechanical systems, and plausible explanations include delayed mechanical release, internal retention errors, delayed expulsion of funds after my departure, or reconciliation discrepancies. 
Over the past two months, I have made multiple calls attempting to resolve this issue. On XX/XX/XXXX, I spent approximately one and a half hours speaking with representatives across several departments, repeatedly requesting escalation and reinvestigation. 

Also on XX/XX/XXXX, I sent a formal written complaint to Wells Fargo requesting executive review and further investigation. 
On XX/XX/XXXX, I received a follow-up phone call stating that additional research would be conducted and that I would be contacted with further information. 

However, on XX/XX/XXXX, I received another call informing me that Wells Fargo was relying on the same ATM audit report indicating no jams or loose cash. During that call, I was told I would be transferred to another department for further assistance ; instead, I was routed to an automated system with no live representative available. No additional substantive investigation details were provided. 
Despite repeated efforts, Wells Fargo has not provided supporting documentation, transaction logs, machine error code analysis, surveillance review confirmation, or evidence of a full ATM service-cycle reconciliation. The investigation appears limited solely to a cash count audit.

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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: TX

Complaint narrative:
Issue : Unauthorized Withdrawal and Failure to Provide Billing Statements I am filing a complaint against U.S. Bank regarding two inactive credit card accounts. 
I had not used these credit cards for a long time. Recently, I received a letter stating that one account had {$600.00} balance, and U.S. Bank withdrew this amount directly from my bank account on XX/XX/year>. I was not aware of any outstanding balance and did not receive billing statements, transaction notices, or prior written communication explaining the charges. 
When I called customer service upon receipts of the letters, I was transferred between multiple departments over two days, and no representative was able to clearly explain the origin of the charges or provide a detailed transaction history. 
Regarding the second credit card, I was informed it had been sent to collections. I was told the account once had an {$18.00} balance, and late fees and interest accumulated to nearly {$270.00}. I never received statements, delinquency notices, or warning of collection referral. I have maintained excellent credit history and would have immediately paid any legitimate balance had I been properly notified. 
My concerns are : Withdrawal of funds without clear prior billing notice Failure to provide statements or delinquency notifications Excessive late fees and interest on a small original balance Referral to collections without proper notice

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
URGENT : BREACH OF SETTLEMENT & STATUTORY DISCRIMINATION Related to previous Case # XXXX On XX/XX/year>, between XXXX XXXX and XXXX XXXX, I visited the Wells Fargo XXXX branch to open a joint account with my wife ( who was present as a witness ). This follow-up was based on a written resolution from XXXX XXXX XXXX XXXX XXXX XXXX ) stating all fraud-related blocks on my identity were removed. 

The following illegal acts occurred during this 110-minute session : National Origin Profiling : Banker XXXX XXXX XXXX identified my country of origin as XXXX XXXX before I provided any documentation stating such ( my WA Driver 's License does not list citizenship or origin ). When asked how he knew this, he smirked and refused to explain his source. 

Explicit Discrimination ( XXXX XXXX ) : XXXX XXXX stated I could not be the primary account holder specifically because I am not a U.S. citizen, despite me presenting valid legal identification. 

Proposal of Internal Record Fraud : Upon the system 's denial, XXXX XXXX proposed falsifying my citizenship status in the Wells Fargo system to bypass the block, stating he would claim he " pressed the wrong key '' if caught. This confirms the banker knew the denial was improper. 

Federal Law Violation ( FCRA ) : After the denial, XXXX XXXX refused to provide a written Adverse Action Notice or the contact details for the reporting agency ( XXXX ). He told me to " wait for a letter '' and discouraged me from contacting the XXXX 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 non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: WI

Complaint narrative:
I sent an email to Gurstel Law Firm disputing the amount of a debt they are trying to collect. I submitted the dispute within 30 days and received a huge packet of documents the original creditor sent them. None of the paperwork validates the amount they are asking for, which I believe is wrong because I was making payments on the account before it closed. The balance sheets they provided have an amount higher than what theyre asking for, which also makes me believe not all of the payments I made got accounted for. I sent two additional emails to Gurstel explaining the paperwork I received from them doesnt validate the amount but have not gotten another response. Ive now found out they are suing me for this disputed amount.

Company response to consumer: Closed with explanation