vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On the XXXX of XXXX I received payment for services rendered as a XXXX  XXXX .. in the form of a cashier 's check .. I deposited the check into my account .the funds were never made available .. the check was flagged and returned by pnc .. in it's entirety .. labeled suspicious.. 

My accounts were then froze and my existing funds were froze as well .. and they informed me they were closing my account. 

I'm the victim of fraud .. I've done nothing wrong .. I've cooperated in every way .. I've provided screenshots of the text between me and said client as well as copies of the quote and invoice for the job .. they have refused to compensate me for the inconvenience of not being able to access my funds and have left me XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
On XX/XX/year>, I received an email from XXXX stating that my cart is still waiting and showing a {$500.00} XXXX XXXX eGift Card in a shopping cart associated with my email address. I did not visit their website, did not create a cart, and did not authorize any giftcard purchase or account activity. 
This is an unauthorized access attempt involving my personal information and is consistent with the broader pattern of fraud and identitybased misuse I have been reporting across multiple financial institutions. 
I am requesting that this unauthorized activity be investigated and documented, and that the company confirm no account, obligation, or transaction was created using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Im a victim of identity theft, someone used my information was used to obtain goods and services without my knowledge or consent. As per the guidance of the consumer financial protection bureau ( cfpb ). the documents needed are a bill, a picture id, and tge FTC report. I kindly ask that you remove and block these items from my credit report within four business days to section 605C OF THE FAIR CREDIT REPORTING ACT. i have submitted all required documents please remove these items account : WESTLAKE FINANCIAL SVC amount : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DigniFi
State: MD

Complaint narrative:
This account was charged off in 2023, however I did not receive a 1099 for the account as Dignifi received a tax credit for the charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During XXXX I received money through the XXXX XXXXXXXX bank of america froze my account due to fraudulent activities during the pandemic so I didn't not receive all that was owed to me the way I know this Bank of America sent out notices that they would freeze account I remember asking would I receive the rest of what's owed to me and I was told yes but I never received it

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 2026-01-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
claim made on XX/XX/XXXX and closed on XX/XX/XXXX claim no. # XXXX XXXX refused to refund me for an item i cancelled and now just processed a refund but i have to pay for shipping an item back i never wanted. i cant afford to ship the item back and wells fargo returned the provisional credit they gave me and closed my claim with no info and i'm now out {$220.00} for an item i have no way of returning since its a large 50 gallon water tank i can't have picked up from XXXX since XXXX doesn't allow that option.... wells fargo never called me to follow up and ask additional questions

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I was charged a {$15.00} XXXX  fee in error on my auto loan account. 

On or about XX/XX/year>, I canceled an instant payment several days before my due date which is XX/XX/year> and made a successful payment using a different method early as well. Despite canceling the instant payment and paying early, the company assessed a {$15.00} XXXX  fee. 

When I contacted the company, I was told that their policy requires 48 hours notice to cancel a payment, even though the payment type was described as instant and the cancellation occurred before the due date. This policy is unreasonable and was not clearly disclosed. 

I attempted to resolve this through the XXXX XXXX XXXX. The company contacted me directly by email but did not provide a resolution and did not respond through the XXXX  portal. The fee remains unresolved. 

I am requesting removal of the improperly charged XXXX  fee and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
An agent called me using the bank phone number that Citibank uses to call customers, that was stored in my phone. i answered the call from Citi and spoke to the agent from Citi. Citi also sent me a text from the same number that citibank has used to text me over the many years i've been a Citibank customer. Based on the phone call, the agent from Citi was able to access my business account and emptied out my entire account, over {$30000.00} unbeknownst and unauthorized by me.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
I am submitting this follow-up complaint regarding continued furnishing of inaccurate and unverified information by Portfolio Recovery Associates , LLC ( PRA ) after PRA responded to a prior CFPB complaint. 

On XX/XX/XXXX, PRA notified me in writing that it would not conduct any further investigation of my dispute, asserting that the dispute raised no new facts and that the matter was closed under 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( F ). Despite this position, PRA continued to furnish and update this account with XXXX, XXXX, and XXXX  after XX/XX/XXXX, including balance and status updates into XX/XX/XXXX. 

PRA is reporting this account inconsistently across consumer reporting agencies. The account is reported as an open collection despite the absence of contractual terms, a payment schedule, a last payment date, or any activity date. In other views, the same account is classified as closed while still being furnished as open and collectible. Account type classifications also differ across bureaus.

PRA has not provided promised documentation establishing facts that would allow me to verify this against my records. This abuse by reporting false data is causing me financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I ordered an item from XXXX. I got a confirmation email for my purchase. Less than 2 hours later I got a fraud alert from Wells Fargo. I marked the purchase as fraud from " XXXX XXXX XXXX  ''. They shut my card off. I got a temporary card assigned and a few days later the XXXX XXXX XXXX charge was allowed to go through on my new card. The original purchase from XXXX XXXX went through as XXXX. I attempted to contact all 3 companies involved and emailed 1 of them. The phone numbers are all not active and email was invalid. The website showed secure. Wells Fargo was informed and reviewed the charges on 2 different requests for fraud. They denied them stating I approved them from the same IP address. I couldn't find the IP address on my devices that they referred too. They told me to contact purchase dispute department. I spent 1.5 hrs being transferred around before being told it was a fraud issue. I called the purchase disputes again and asked not to be transferred anymore. The guy on the other end was explained the situation and told me I would see both purchases refunded in 7-10 business days because I never received the items and attempted to contact the companies. I waited 13 business days now and haven't received any refund. I received 2 fraud review letters of denial and the IP address was the only explanation.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A money transfer for {$49000.00} was sent to XXXX to XXXX XXXX XXXX but it was never credited to the account. It was returned and {$47000.00} instead of {$49000.00} plus {$15.00} another extra fee to credit it back into my 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 explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: EGL US, LLC
State: NC

Complaint narrative:
I am filing this complaint against BMG Money for inaccurately reporting a delinquent payment for XX/XX/year>, which has resulted in a negative mark on my credit report despite the payment being successfully withdrawn from my bank account. 
On XX/XX/year>, BMG Money debited {$40.00} from my checking account via debit card. My attached XXXX XXXX XXXX XXXX  statement confirms that this transaction posted successfully and that sufficient funds were available in my account at the time of the payment. There was no insufficient funds notice, rejection, or failed transaction recorded by my bank. 
More than a month later, on XX/XX/year>, BMG Money reversed this same {$40.00} payment. I did not request this reversal, did not dispute the charge, and did not initiate any stop payment. The reversal appears to have been initiated internally by BMG Money. Only one payment was refunded, further confirming that the original debit was processed. 
Despite the successful XXXX payment and available funds, BMG Money reported the XXXX payment as missed or delinquent to the credit bureaus. I was never sent a delinquency notice, failed payment email, or provided an opportunity to cure any alleged issue before negative credit reporting occurred. 
This reporting is inaccurate and unfair because : The XX/XX/year> payment was successfully withdrawn My bank account had sufficient funds The reversal occurred weeks later and was not consumer-initiated No delinquency or failed payment notification was provided Negative credit reporting occurred without proper notice or justification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optio Solutions, LLC
State: MD

Complaint narrative:
I did not sign a business arrangement with QCS and ask this be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MEGASTAR FINANCIAL CORP
State: ME

Complaint narrative:
My mortgage is XXXX XXXX and serviced by XXXX. The past years on several occasions XXXX has taken scheduled payments either too early of way too late from my account. Since the passing of my dad in the XXXX I am away long periods at a time to deal with the aftermath of his death, and managing his company and the managing my mom 's theater shows. She is XXXX of the most celebrated comedians in the XXXX. Also my work for my own company and XXXX XXXX XXXX often has me working outside the XXXX. I am currently overseas on a work assignment. This makes managing bank accounts and transferring money more complicated as I not always can get access to my accounts because of security concerns when logging from servers outside the XXXX, including having access to my XXXX  account, or the ability to call them on XXXX numbers as often they can't be used outside the XXXX, or due to time difference and limited office hours combined with excessive long waiting times to speak to someone are not a reasonable option. Due to missed payments, because XXXX collected the payment before the scheduled date it looks like my online payment access has been blocked as the account approaches 90 days delinquent. They canceled an online payment I had scheduled and at the same time blocked my payment link. I have funds available and have repeatedly attempted to obtain remote payment instructions ( wire or ACH exception ) with no response. Blocking payment without providing a reasonable alternative puts me at risk of unnecessary default. I am requesting immediate contact and payment instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and I dont understand how someone was able to do this and get a hold of my information! Please remove the following items, I have enclosed my passport for identification purposes as well as an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I bank with Citibank and have been for 2 years. There automated system I call in to get all my transaction history is not working and when I call in it says no transaction in the last 6 months. Its been down since XXXX XXXX. I have called every day and my balance is off. They keep telling me thats its being worked on and there maintenance going on but there is nothing posted on Citibank website any where. I need assistance and legally they are withholding my transaction history and request me to go into bank or online. I dont do online banking. Please help

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: KY

Complaint narrative:
My phone and id was stolen. The person that stole my phone was able to get into my chime account while I was in XXXX. There was a check pending deposit in the amount of {$1400.00}. When I got out of XXXX  I immediately called the bank and let them know my phone was stolen and needed to freeze my account before that check deposited. They said in order to do that I needed to upload my ID to verify that it was my account. I couldn't do that at that time. The gentleman on the dispute team told me that as soon as I got a replacement, to upload it and as soon as I was verified, everything would be okay. And that if the money was taken, they would replace it. I've done all that. And sent a copy of document printed from the XXXX  that shows the days I was incarcerated to prove that the phone number, email, and password was changed without my authorization. Following this, I received an email stating that my transfer in the amounts of {$2.00} followed by {$1400.00} to XXXX XXXX was successful. There was nothing I could do because I couldn't get into my account. They have clear evidence that it was not me because I was in XXXX, but refuse to credit my money back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: AK

Complaint narrative:
Your complaint details : First name : XXXX XXXX name : XXXX Email : XXXX  Phone : XXXX Street address : Business Headquarters Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  State : City : Zip : XXXX Country : Description of complaint : This company has not provided me with adequate information. They have my name and an address for a state I don't live in and are claiming I have a outstanding debt. I would not know about this issues except for I checked my credit. I have not ever used the company the debt is associated with. I live on the opposite side the country and could not live further from the state which they are claiming the debt/bill is associated with. The claim despite my providing information showing their assigning of the account to me is fraudulent has been removed yet. 
If you have any questions or concerns, please contact the XXXX assigned to your complaint XXXX XXXX serving North Central Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
XXXX XXXX is saying I owe them {$1000.00} My student loans stuff says they were paid it also says the received more money then I ever received all these year my refund has been offset and they are still saying it's not paid as well as I'm not indefalut on mu loans and it was consolidated so they were paid and refuse to show me anything that's been paid the complete leadger

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : Navy Federal Credit Union XXXX  Account Number : XXXX Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be verified within 30 days. 
Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA. 
Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law. 
Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights. 
Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported. 

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief