vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Preferred Finanical Services Corporation
State: IN

Complaint narrative:
I made XXXX wire tranfers to PREFERRED BANK ( routing XXXX ) as follow : Beneficiary : XXXX XXXX XXXX Account number : XXXX XX/XX/year> {$6000.00} XX/XX/year> {$6500.00} This beneficiary is a scammer. They keep an illegitimate investment group online and influenced me to transfer lots of money for fake investments, impersonating XXXX XXXX and XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
This letter serves as a formal demand to " MIDLAND CREDIT MANAGEMENT, Encore Capital Group Company, ( XXXX ) XXXX '' that you immediately cease all debt collection communications with me and our household. Your repeated contacts are severely affecting my mothers health. I have repeatedly requested by telephone that your representatives stop calling, yet the calls have continued, causing her XXXX XXXX to rise to dangerous levels and creating extreme emotional distress. 

Accordingly, this is a formal cease and desist request that you stop all further contact regarding this debt, including but not limited to phone calls, text messages, voicemails, emails, letters, and any other form of communication to any telephone number, email address, or physical address associated with me, my mother or our household. I do not want to receive any further calls, mail, or other collection contacts about this debt at any time in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/scrub> 2026, I sent a payment through Cash App to the wrong recipient due to what appears to have been an app error or glitch. The payment was sent toXX/XX/XXXXXXXX in the amount of {$340.00}. I have never sent money to this recipient before. 
Immediately after the transaction was completed, I recognized the error and requested a refund within the app. I also contacted Cash App support the same day and opened a claim ( Claim XX/XX/XXXXXXXX ) to report the incorrect payment. 
Cash App typically displays a warning or confirmation when sending money to a new or previously unused recipient. In this situation, that notification did not appear before the transaction was completed. I believe this contributed to the mistaken payment. 
Despite promptly requesting a refund and reporting the error, the funds were not returned by the recipient. Due to the recipients failure to return the funds, I will be filing a report with my bank and disputing the transaction as part of the recovery process. 
I am requesting that Cash App investigate the transaction, review any system or app errors related to the missing warning for XX/XX/XXXX-time recipients, and assist with reversing or recovering the {$340.00} that was sent in error. 
What Im seeking : Recovery or reversal of the {$340.00} sent to the incorrect recipient, and A review of Cash Apps notification/confirmation process for XX/XX/XXXXtime recipients to prevent similar errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Yesterday on XX/XX/year> and Wells Fargo decided to close my account because of XXXX transaction and they want to hold my money that I need and they want me to wait until the XXXX of XXXX to get my money and I have bills to pay idk how nobody can do anything to help me receive my funds earlier than the XXXX when I have bills to pay next week I attached my statement to the complaint to show there wasnt any fraud Also I have a check from a settlement I won that was supposed to clear tomorrow on the XXXX and it was deposited on the XXXX of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One closed my account after years of perfect payment history ( no late payments since 2016 ), claiming suspicious activity. At no point while the account was active did Capital One contact me, alert me, or request verification regarding any alleged suspicious activity. 

I was not notified during the time the alleged activity supposedly occurred, nor was I provided timely notice of account closure, balance due, payment instructions, or an opportunity to resolve or dispute the issue. Despite this creditor-initiated closure and lack of notice, Capital One reported late payments and a charge-off to the credit bureaus. 

I have disputed this reporting multiple times over the past year. Capital One failed to respond to my disputes and later verified the information as accurate without providing documentary evidence, proof of notice, or an explanation of how late payments could occur after a creditor-initiated closure. 

Reporting late payments and a charge-off under these circumstances is inaccurate and misleading and reflects a failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act. I am requesting removal of the late payments and charge-off or deletion of the tradeline due to inaccurate reporting and lack of required notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
On XX/XX/year>, I contacted Jefferson Capital Systems LLC multiple times regarding inaccurate and duplicated collection accounts they are reporting to the credit bureaus. During the first call, the representative stated that account details were not visible, refused to provide meaningful assistance, placed me on hold, asked me to repeat information, and then disconnected the call. I called again later the same day and was disconnected a second time without receiving assistance. 

Jefferson Capital is improperly combining XXXX separate debts into XXXX and reporting them inaccurately and in duplicate : A XXXX account with a balance of {$210.00} that was previously disputed, resolved, and deleted An XXXX account that charged off with an original balance of approximately {$760.00} and remains unresolved Despite the XXXX account being resolved and deleted in the past, Jefferson Capital has added that {$210.00} balance onto the XXXX account XXXX and is now reporting XXXX separate collection tradelines for what appears to be the same combined debt, with different balances of {$990.00} and {$990.00}. 

This results in : Duplicate reporting of the same alleged obligation Artificially inflated balances Inclusion of a previously resolved and deleted XXXX debt Inconsistent balance amounts for the same alleged debt Additionally, Jefferson Capital previously sued me in court using this incorrect combined balance and later closed the lawsuit. The court has now determined I am liable for an incorrect amount that is based on these inaccurate and improperly merged balances. 

These actions constitute inaccurate credit reporting, misrepresentation of the amount owed, and failure to conduct a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company

Complaint narrative:
Received notification from Commercial Acceptance Co. a debt collector, in reference to an account balance with XXXX XXXX XXXX, account # XXXX XXXX. This notification stated : As of XX/XX/XXXX, I owed : {$1200.00} Between XX/XX/XXXX and the date of notification letter XX/XX/XXXX, I was charged 0 % interest and {$0.00} amount in fees. 
I paid or were credited the amount tow {$440.00} Firstly, I never received a bill stating I owed any amount. Secondly, I have XXXX and a Fixed Income. Lastly, I am XXXX XXXX XXXX. I am asking you to please stop collection of this debt. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I deposited {$5000.00} into my Fifth Third Bank checking account on XX/XX/year> thru the am, while the account was slightly negative of $ XXXX deposit posted to the account. Took the account out of the negative and gave a present balance of {$4900.00}. My account was closed without notice or warning before making a transaction of {$2500.00} at XXXX. Which I had to confirm via text message. I even chatted with the chat genie after I couldnt make a purchase right after the first XXXX. 
I was blocked from making any further transactions. While attempting to complete the transaction, I contacted Fifth Third customer support to confirm the purchase, proving the transaction activity was occurring in real time. 

Fifth Third Bank now claims it can not locate or see the transaction history related to this deposit and activity, despite the funds remaining associated with the account and not being returned to me. I have screenshots showing the deposit, transaction attempt, and communication with Fifth Third support. 

Fifth Third has failed to provide my funds, failed to provide proper notice of account closure, and failed to provide accurate account records. I am requesting immediate release and return of my funds, a written explanation for the account closure, and written findings from a full investigation. 

This matter has caused financial hardship and requires urgent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: KY

Complaint narrative:
As of XX/XX/XXXX Cash App closed my account without the proper reasoning and they are telling me I wont receive my deposits. They had no reason to close and I have NO WAY to change accounts. I need my money and also I need my XXXX XXXX rewards back activated that I earned by following their standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Berman & Rabin, P.A.
State: TN

Complaint narrative:
I am submitting this complaint regarding a debt collector attempting to collect alleged HOA-related charges on behalf of XXXX XXXX XXXX XXXX XXXX 

The collector has assessed thousands of dollars in additional fees beyond alleged HOA dues, including escalated debtor outreach fees, multiple collection fees, file maintenance charges, foreclosure-related fees, attorney referral fees, and other costs that appear excessive, duplicative, and not clearly authorized by any governing HOA documents. 

As reflected in the collectors XX/XX/year> statement, the alleged balance increased from approximately {$580.00} to over {$6600.00} primarily due to collection and enforcement charges rather than actual assessments. Many of these charges appear to be internal collection costs passed on to the consumer without proof of contractual or statutory authorization. 

I have formally disputed this debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have also issued a cease and desist notice under 15 U.S.C. 1692c ( c ). Despite this, the collector continues to present an inflated balance and threatens foreclosure-related enforcement. 

I believe the collectors actions may violate the FDCPA, including but not limited to : - Attempting to collect amounts not expressly authorized by agreement or permitted by law - Failing to provide meaningful validation of the debt - Using unfair, deceptive, or unconscionable collection practices- Assessing excessive and duplicative fees designed to inflate the balance I am requesting that the CFPB / Attorney General investigate this matter, require the collector to substantiate all charges, and take appropriate enforcement action if violations are found. 

Thank you for your assistance.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation
State: SC

Complaint narrative:
There is an account on my credit report that I did not open and do not know who did from 1st Franklin in the amount of {$0.00} account # XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have held a Wells Fargo checking account for over XXXX years and had never previously been charged a monthly service fee. I routinely carried balances under {$200.00} for extended periods without being charged a fee, and I have never over drafted the account or otherwise mismanaged it. For the entire life of the account, I have been enrolled in paperless statements. 

Timeline : XXXX Wells Fargo charged a {$10.00} monthly service fee. 

XXXX While making a deposit in-branch, I asked the teller whether the {$10.00} fee from XX/XX/XXXX should be reversed. The teller processed the {$10.00} monthly service fee reversal but did not provide an explanation for why the fee had been assessed. 

XXXX Wells Fargo charged another {$15.00} monthly service fee, which was {$5.00} higher than the prior fee charged in XX/XX/XXXX. 

After the XX/XX/XXXX fee, I contacted Wells Fargo to request a refund of the {$15.00} fee. Wells Fargo informed me for the first time that changes had been made to the Everyday Checking account requirements in XX/XX/XXXX. I raised concerns regarding the lack of clear notice to paperless customers. Wells Fargo still refuses to refund the remaining {$15.00} fee, citing internal policy, and closed the complaint. I've since learned that the fee was assessed solely because the account balance was below {$1500.00}. These charges were not overdraft fees and were unrelated to insufficient funds or account misuse. Wells Fargo claims notice was provided through statement messages and account terms can viewed online, but as an account holder I did not receive any clear or direct notification of these changes. The information was buried in account statements that paperless customers do not routinely review in detail.

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 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: PA

Complaint narrative:
I was told by the collector that this account was open XX/XX/2024. From XXXX XXXX. I have no knowledge of this account. I had no idea of the account until I received the phone call in regards to it. I called the furniture place trying to retain information the states the account was created online. And thats all the information she had for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NY

Complaint narrative:
They claim we owe {$1800.00} for unpaid XXXX bills. We do not have an account with XXXX. They claim they sent a bill in XXXX, XXXX, XXXX, and XX/XX/year> for an XXXX XXXX, and an XXXX XXXX XXXX, which I do not have. They even misspelled my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/year> Credit Alert via XXXX  via email XX/XX/year> Credit alert from XXXX XXXX XXXX XXXX XXXX : New account opened - listed as SYNCB/AMER EAGLE DC XXXX balance currently XXXX ( as of XXXX XXXX XXXX XXXX report ) with credit limit XXXX XXXX XXXXXX/XX/year> Contacted Syncroncy Bank to report fraud ( XXXX XXXX ) They took details via phone and said report filed, will receive more info by mail. I requested account be frozen twice. 
XX/XX/scrub>XXXX XXXX XXXX website : set up fraud dispute and locked my account from further credit enquires via website; phoned an spoke to rep in fraud area ( not helpful ) XX/XX/year> XXXX file cfpb report ( via FTC.gov website ) XX/XX/year> intend to set up accounts with XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-02-04 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: Block, Inc.
State: CT

Complaint narrative:
I am filing this second CFPB complaint due to XXXX XXXX continued failure to resolve a clear case of fraud and its retaliatory decision to close my account after I previously filed a CFPB complaint and disputed unauthorized transactions. 

My Cash App debit card was stolen and used without my authorization for international transactions in XXXX and XXXX, despite the fact that I am a XXXX resident and was not present in either country at the time. These charges were entirely inconsistent with my normal spending behavior and account history. The total amount of unauthorized transactions exceeded {$7500.00}. 

I promptly disputed these charges. Cash App denied my dispute and then closed my account, claiming that it was linked to activity that allegedly violated their Terms of XXXX due to suspected fraudulent activity. This determination is both inaccurate and unjustified. I was the victim of fraud, not the source of it. 

Cash Apps decision to close my account has now prevented me from submitting any further disputes, as their system does not allow the same charge to be disputed twice. As a result, I have been completely blocked from exercising my rights under Regulation XXXX, despite the transactions being unauthorized and foreign in nature. 
This situation is especially concerning because : The transactions were high-risk, international, and clearly anomalous Cash App failed to adequately restrict my account or block the stolen card My dispute was denied without meaningful investigation My account was closed after I pursued regulatory escalation I am now permanently prevented from disputing the fraudulent charges due to Cash Apps internal limitations Cash Apps actions effectively punish the consumer for being a fraud victim and for seeking regulatory assistance. This represents a serious breakdown in fraud monitoring, dispute resolution, and consumer protection obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
I purchased a vehicle from [ XXXX XXXX ] under a contract that I have formally disputed for fraud and material misrepresentation. 
I was XXXX  months behind on payments due to this dispute, and I notified the finance company in writing that I was withholding payment because the contract was fraudulent. 
Despite this, my vehicle was repossessed on [ Date of XXXX ] without any post-repossession notice, including my right to redeem and notice of intent to sell, as required under Ohio UCC XXXX. 
I sent the finance company an emergency stop letter demanding preservation of the vehicle and proof of any notices sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
In accordance with with the Fair Credit Reporting Act this creditor has violated my rights under XXXX XXXX XXXX ( section XXXX a section XXXX it also states a consumer reporting agency can not furnish an account without written instructions ) under XXXX XXXX XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I am being contacted by a debt collector attempting to collect a debt that is time-barred under California law ( CCP 337 ) and/or not owed.

The alleged debt dates back to approximately XXXX. No payment or written acknowledgment has been made that would restart the statute of limitations. 

The collector has attempted to intimidate and coerce payment by threatening to sue me, has sent documents represented as court papers, and has threatened to levy my bank account, despite the debt being legally unenforceable and no valid judgment existing. 

These actions appear designed to scare and mislead, and the collector has failed to provide proper validation of the debt. 

This conduct appears to violate the FDCPA, including false representation, deceptive practices, and unlawful threats of legal action. 

I am requesting investigation and that all collection activity cease.

Company response to consumer: Closed with explanation