vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: FL

Complaint narrative:
Kraken locked my XXXX XXXX for 17 days without any valid reason. During that time, the price crashed from XXXX cents all the way down to XXXX cents. I repeatedly tried to withdraw when the price was still high, but they would not allow it. They only released my funds after the crash had already happened. I have been trying to resolve this with them for over a month, but they continue to stall and give me generic responses with no real resolution. This has caused me major financial losses.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Date : XX/XX/year> I attempted to make a cash deposit of {$1900.00} into my BMO checking account at the ATM listed above. The ATM experienced a mechanical malfunction, credited my account incorrectly, and generated a receipt falsely claiming I only deposited {$40.00}. The remaining {$1900.00} of my cash deposit was retained by the machine but not credited to my account. This error is entirely due to a BMO equipment malfunction and has triggered an immediate, severe emergency hardship. Because these vital funds are being withheld, my XXXX daughter and I are facing immediate eviction. My daughter suffers from a severe brain disorder, XXXX. Being forced onto the streets in the extreme Arizona summer heat poses a direct, life-threatening risk to her medical condition. This machine error has escalated from a financial issue into a critical medical emergency.

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 2026-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from Javitch Block LLC attempting to collect an alleged debt on behalf of XXXX XXXX XXXX for a vehicle account. Exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), I mailed a formal Debt Validation Request to Javitch Block LLC on XX/XX/XXXX, well within the XXXX dispute window. I sent this letter via postal mail ( XXXX Tracking Number : XXXX. Javitch Block LLC completely ignored my timely request and failed to provide any validation, contract, or proof of the alleged debt. Instead of ceasing collection efforts as mandated by law, the creditor updated my Experian credit report on XX/XX/XXXX, reaffirming a negative " Charge-off '' status. This is a direct violation of the FDCPA. Furthermore, XXXX XXXX XXXX and its XXXX are violating the Fair Credit Reporting Act ( FCRA ) by reporting grossly inaccurate and contradictory balances. According to my credit monitoring alerts, this account was reported with a balance of {$11000.00} on XX/XX/XXXX. Then, on XX/XX/XXXX, the reported balance inexplicably changed to {$8900.00}. They are reporting fluctuating, unverified financial figures while simultaneously ignoring legal requests to validate the debt. I have attached the original collection notice, my validation letter, the postal tracking receipt proving they received my dispute, and screenshots of the inconsistent balance reports.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo charged my checking account two separate {$30.00} stop payment fees after XX/XX/XXXX, XXXX to XX/XX/year>, stopping future payments was an entirely free service on my account tier. I used the Wells Fargo mobile app to request a stop on future automatic payments from a specific company, expecting the service to remain free. The app interface completely failed to display any fee disclosure, warning, or notification. Nowhere on the screen did it state that a new fee policy had started or that a charge would be applied.I only discovered that I had been charged {$60.00} after the money was already missing from my balance. When I contacted Wells Fargo to inquire and request a reversal due to clear financial hardship, the representative refused to remove the fees. I live on a strict budget with under {$200.00} left over after basic bills.Under federal regulations ( including Regulation E and the Truth in Savings Act ), financial institutions must provide a clear, written 30-day advance change-of-terms disclosure before increasing or adding transaction fees. Wells Fargo failed to provide proper advance notice and hid the fee on their digital interface. I am demanding that Wells Fargo immediately credit the {$60.00} back to my checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
.I live in Florida and purchased a XXXX XXXX XXXX online from Bloomingdale 's for {$290.00} using my Bloomingdale 's XXXX XXXX XXXX. The order ( # XXXX ) was placed on XX/XX/year>, and shipped directly to my daughter at her apartment in New York so she could wear it to my son 's graduation. XXXX marked the package as delivered on XX/XX/year>, but my daughter never received it. The only proof of delivery provided stated XXXX XXXX XXXX NY '' and did not include a signature, delivery photograph, apartment number, recipient name, or any evidence that the package was delivered to the correct address. When I attempted to file a claim with UPS, I was informed that the recipient was not permitted to file a claim and that the claim had to be initiated by the shipper. I then made repeated efforts to resolve the matter directly with Bloomingdale 's, but those efforts were unsuccessful. I disputed the charge with Citibank, but on XX/XX/year>, the dispute was denied based on the conclusion that the merchandise had been delivered. I then submitted a detailed written request for reconsideration, with supporting documentation, by fax and certified mail. Although the fax was successfully transmitted and USPS confirmed receipt of my certified letter, I never received any acknowledgment or substantive response to my reconsideration or my request for an explanation of the evidence relied upon in denying my dispute. I made every reasonable effort to resolve this matter before seeking assistance from the CFPB because my documented request for reconsideration was never meaningfully addressed.

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 2026-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I do have a case with this situation. After reviewing my contract with ALLY Bank, I found another discrepancy. The contract submitted to the CFPB is FRAUD. THEY added a page and language that WAS NOT on the original contract. Their contract is 6 of 6 pages ; the original contract I have on hand is 5 of 5. They added a page and additional language and have no signature on my page. Please advise I would like a hearing on this matter. the oreginal documents attached. please advise 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 2026-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I went through XXXX, in order to finance a Camera system for my home. However, I decided that I did not want the camera system anymore, and I contacted the company in order to cancel when I talk to the company XXXX, they told me that I would be able to cancel and that it would be OK. However, after thinking that I canceled months later, I was contacted by XXXX, accompany, saying that I owe them for a loan used to finance the camera system. Now, I am being told that I owe a debt that I do not owe and its also doing a irreparable damage to my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, Wells Fargo permitted unauthorized internal electronic fund transfers draining {$5800.00} out of my solo savings account ( held exclusively in my name ). Specifically, these unauthorized transactions consisted of a transfer on XX/XX/XXXX in the amount of {$3200.00}, and a second transfer on XX/XX/XXXX in the amount of {$2600.00}. These funds were pulled into an already compromised joint checking account. Since XX/XX/XXXX I explicitly and verbally warned Wells Fargo customer service and branch staff that my accounts were vulnerable due to ongoing identity theft on my profile. Despite this direct warning, the bank failed to implement basic security freezes or secondary verification on my savings profile, resulting in an immediate {$5800.00} financial loss from this account alone. Wells Fargo is in direct violation of Regulation E by refusing to credit back these patently unauthorized electronic transfers.CONSEQUENTIAL CREDIT & FINANCIAL DAMAGE : Because Wells Fargo has wrongfully withheld these funds for over 114 days, my liquid cash reserves were completely depleted. This directly caused the disruption of my long-standing automated bill payments, resulting in severe collateral damage to my credit profile, an involuntary credit card account closure, and immediate friction with my home mortgage lender. Had Wells Fargo secured my solo funds, my 20-year prime credit tier would remain entirely intact.CONCEALMENT OF INFORMATION & REFUSAL OF TRANSPRENCY : I have made multiple formal requests to Wells Fargo to provide the specific data, access logs, and authentication details detailing exactly how these transfers were authorized, and what specific information was used by criminals to completely bypass my heightened security profile. Wells Fargo has systematically refused to provide this information, actively blocking transparency regarding their internal security failures.RESOLUTION DEMANDED : I demand a full reversal and reimbursement of the {$5800.00} siphoned from this solo savings account, absolute transparency and delivery of all records showing how my account security was bypassed, and complete financial restitution for all consequential out-of-pocket late fees, penalties, and international roaming charges incurred as a direct result of this prolonged, unresolved fraud loop.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Someone opened a checking account with Wells Fargo, hacked my email and attached the Wells Fargo account to my XXXX account and took XXXX dollars. I went to Wells Fargo and explained and they said that not only could they not give me my money back, but they froze it and just kept the money.

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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
In XX/XX/year>, amid active identity theft breaches on our profiles, I successfully opened a secure checking account held exclusively in my solo name to protect my funds. However, days laterwhile fraud was actively continuingWells Fargo opened a completely separate, brand-new joint account ( Everyday Checking ) my mothers name who is the was the co-owner of a joint and savings acct with me. without my or my mothers permission, signature, knowledge, or consent. WE did not request this account, nor did we sign any paperwork for it. Wells Fargo has internally acknowledged that they opened this joint account.By opening an unauthorized account during an active security crisis, Wells Fargo violated federal Know Your Customer ( KYC ) laws and failed to maintain basic account security protocols. This catastrophic error left me completely susceptible to further victimization, allowing criminals to maintain an active portal to bypass my security parameters and execute subsequent thefts.CONSEQUENTIAL CREDIT & FINANCIAL DAMAGE : Because Wells Fargo created this unauthorized corporate loophole, criminals were able to compromise my funds further, depleting my cash reserves. This directly caused the disruption of my long-standing automated bill payments, resulting in severe collateral damage to my credit profile, an involuntary credit card account closure, and immediate friction with my home mortgage lender.CONCEALMENT OF INFORMATION & REFUSAL OF TRANSPARENCY : I have made multiple formal requests to Wells Fargo to provide the specific application logs, branch or digital source data, and authentication details showing exactly who internally authorized the opening of this account without my signature. Wells Fargo has systematically refused to provide this information, actively blocking transparency regarding their internal security failures.RESOLUTION DEMANDED : I demand a full forensic investigation into the unauthorized creation of this account, the immediate removal of my name from it, a formal corporate retraction to assist in repairing the consequential damage to my credit profile, and complete financial restitution for all out-of-pocket fees and late charges caused by this security failure.

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 2026-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NE

Complaint narrative:
I talking to a customer representative in their own chat service on their website. sent a formal request for WRITTEN debt validation on the XXXX of XX/XX/year> as per 15 USC 1692 G listing. 1. I want a detailed list of all payments made to the account by me. 2. I want proof of a signature made by me on the original contract guaranteeing I would pay the creditor. 3. If there have been any insurance claims found on alleged debt. 4. I asked for proof of the proper chain of title to collect this debt. I then informed them as per section 809 under the FDCPA they have 30 days to comply by mail and that as such all debt collection practices must cease until validation is proven to ME. On XX/XX/XXXX, and XX/XX/XXXX, MCM attempted contact by phone to collect the debt and gain the attempted contact by email to collect the debt. and by mail. which are all violations of the FDCPA and fineable by {$1000.00} per incident. and am list as to file a formal 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 2026-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
This complaint concerns a massive, unauthorized transaction permitted by Wells Fargo out of joint acct that I actually did not authorize to be open ( i filed a seperate complaint about that ) the joint account that the bank opened completely without my signature or consent. On XX/XX/year>, Wells Fargo permitted an unauthorized online transfer out of this account in the staggering amount of $ XXXXAt the exact time of this massive transaction, I was physically out of the country on vacation in XXXX, attempting to manage this escalating security crisis remotely. Despite the account being placed on a heightened fraud watch and despite my physical location being thousands of miles away, Wells Fargos automated security systems completely failed to flag, freeze, or block this highly anomalous, five-figure online transfer.CONSEQUENTIAL CREDIT & FINANCIAL DAMAGE : Because Wells Fargo failed to protect my funds, I was forced to spend hours managing this nightmare internationally, incurring massive out-of-pocket phone and roaming expenses just to contact the bank from overseas and suffering from emotional and physical stress of a bank that was not listening to me. Furthermore, this prolonged deprivation of my cash completely depleted my liquid reserves, directly causing the disruption of my automated bill payments. This resulted in severe collateral damage to my long-standing credit profile, an involuntary credit card account closure, and immediate friction with my home mortgage lender and further emotional distress.CONCEALMENT OF INFORMATION & REFUSAL OF TRANSPARENCY : I have made multiple formal requests to Wells Fargo to provide the specific IP addresses, digital access logs, and geolocation tracking data detailing exactly how this transfer was authorized from overseas. Wells Fargo has systematically refused to provide this information, actively blocking transparency regarding their internal security failures.RESOLUTION DEMANDED : I demand a full forensic review and immediate return of the {$12000.00} siphoned from this account, absolute transparency and delivery of all digital access records, and complete financial restitution for all consequential out-of-pocket late fees, penalties, and international roaming charges incurred as a direct result of this unresolved fraud loop.Submit this fourth narrative, attach the screenshots showing this specific XX/XX/XXXX online transfer path, and let me know when you are ready for the fifth and final CFPB complaint regarding the fraudulent target account ( XXXX )!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
In XX/XX/XXXX, I received a notified from the credit bureau that my payments were reported late from Credit acceptance. I then call them to see why wasnt I notified, when I typically receive message monthly in regards to payment reminders and never received XXXX since XX/XX/XXXX. After XX/XX/XXXX I never received any messages or alerts. I then asked the representative to verify contact information and the contact information she verified was not my number XXXX. It was indeed my spouse number, I talked with my spouse and he said he had been talking to them to negotiate a pay off and knowingly gave him his information ( name and number ) to further discuss. He stated someone called him to discuss pay off as well. At that point, The lender permitted an unauthorized third party to alter my account security details, which directly caused me to miss critical payment notifications and led to the wrongful repossession of my vehicle. My name is the sole borrower on loan account number ending in XXXX. My husband is not a co-signer, borrower, or authorized user on this contract. the lender allowed a non-authorized third party to call in and change my official contact information ( phone number/email ). Because the lender changed my contact info without my consent, I never received late payment warnings, notices of default, or intent to repossess. When I discovered the unauthorized change, I contacted the lender to dispute it and requested their internal phone records to prove the security breach. The lender denied my request and refused to correct their error. The lender failed to maintain proper account security safeguards, violated my privacy rights by allowing an unauthorized person to alter my contract profile, and failed to provide proper legal notice before repossessing the vehicle. To resolve this matter, I request that the lender : Locate and review the phone call recording from between XX/XX/XXXX XX/XX/XXXX to verify that an unauthorized person changed my data. Provide a full accounting of where and when pre-repossession notices were sent. Cancel any remaining deficiency balance if the car was sold. Remove all negative marks, late fees, and repossession records 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 2026-07-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I recently obtained my ChexSystems consumer report and discovered inaccurate and damaging information that is preventing me from opening new bank accounts and establishing new banking relationships. My report contains inquiries that I dispute because I did not authorize them, and I have not been provided with proof of a permissible purpose for those inquiries. I also dispute the reporting by XXXX XXXX XXXX XXXX because my checking account is inaccurately labeled as Account Abuse. I categorically deny that characterization and believe it is false and misleading. In addition, I dispute the XXXX XXXX XXXX XXXX reporting because I am requesting that ChexSystems verify the complete accuracy of every reported field. I am requesting a reasonable investigation under the Fair Credit Reporting Act, copies of the method of verification, and immediate deletion of any inquiries or account information that can not be fully substantiated with competent documentary evidence. This inaccurate reporting has unfairly damaged my ability to obtain banking services and has caused significant financial hardship.

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