vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I opened a XXXX XXXX XXXX issued by Wells Fargo Bank, N.A., in XX/XX/XXXX. I earned a XXXX sign-up bonus through qualifying purchases in the months following account opening, plus additional points from ongoing spending, bringing my XXXX XXXX points balance to XXXX. On XX/XX/XXXX approximately XXXX months after opening the card my entire XXXX balance was forfeited from my XXXX XXXX account, listed as " points forfeited '' due to account inactivity. This explanation is not possible given the timeline. The credit card itself had only existed for approximately XXXX months at the time of forfeiture. Per Choice Privileges ' own published Rules and Regulations and FAQ, " earning points with the XXXX XXXX XXXX ( US members only ) '' is explicitly listed as a Qualifying Activity that resets the program 's XXXX inactivity clock. Since my sign-up bonus and additional spending activity occurred within the months immediately preceding the XX/XX/XXXX forfeiture date, there is no way XXXX consecutive months without qualifying activity had elapsed. My Wells Fargo statements further show XXXX XXXX points continuing to be earned through card purchases after the forfeiture date, including XXXX points on my XX/XX/XXXX XX/XX/XXXX statement and XXXX points on my XX/XX/XXXX XX/XX/XXXX statement, demonstrating ongoing card use. I subsequently closed the credit card on XX/XX/XXXX. When I contacted customer service to dispute the XX/XX/XXXX forfeiture, the representative stated the points had expired due to inactivity and that no exception could be made, without addressing the fact that the account had only been open a matter of months at that time. I am requesting a complete, itemized XXXX XXXX XXXX XXXX XXXX from account opening in XX/XX/XXXX through XX/XX/XXXX, showing the exact dates and amounts of all points earned, along with a written explanation of how an account open for only XXXX months met an XXXX inactivity threshold. If the company can not produce such evidence, I am requesting reinstatement of the XXXX forfeited points.

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 2026-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received XXXX different calls, from XXXX different numbers asking to speak to my mother. I told him he had the wrong number. Please quit calling! He said wait, I'm trying to help you and your mother, your personal information has been comprised. Someone has tried to apply for a Citibank Credit card in you and your mother 's name. I am a representative from Citibank can you please confirm your information. I started with my information than I thought this is a scam. try to contact Citibank, I was unable to reach anyone. I received a case number XXXX, was told i was being connected to XXXX credit report I needed to provide the first XXXX number of my social for identity purposes. The number the calls came from XXXX and XXXX mother nor I have recently applied for any form of credit.

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hi, I am writing to request a thorough review of my recent account application denial and to address what I believe is an unfair situation regarding my previous account history with Citibank. XXXX years ago, I had an account with Citibank that was suddenly blocked and closed after I received a single XXXX transfer of approximately {$2700.00} from my home country, XXXX. This was a legitimate transfer to my own account, and the amount was not suspicious in any way. Despite this, Citibank closed my account and made it extremely difficult for me to access my own funds, which took nearly XXXX months to resolve. When I inquired about the reason for the account closure, I was told that Citibank could not provide an explanation, even though it was my own account and my own money. This lack of transparency was very frustrating and concerning. After that experience, I attempted to open a new account but was denied. I then filed a formal complaint, and the response I received stated that I do not have any blocks or blacklists on my record and that I could apply at any time. Based on this assurance, I applied again XXXX days ago, but I was denied once more. The denial letter cites " previous history with Citibank '' as the reason, which I find completely unfair given that I did nothing wrong. I would greatly appreciate it if someone could review my case and help resolve this issue. I have been a responsible customer, and the original account closure was unjustified. The conflicting information I have receivedbeing told I have no blocks but then being denied due to previous historyis confusing and unfair. Could you please provide : A detailed explanation of why my account was originally closed XXXX years ago Clarification on the specific " previous history '' that is causing my current application denials A review of my case to determine if this decision can be reconsidered I am happy to provide any additional documentation or information needed to resolve this matter. I look forward to your response and hope we can find a fair resolution. 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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I am filing this complaint regarding a serious error made by Wells Fargo that resulted in my paycheck being deposited into another customer 's bank account. When I opened a new account with Wells Fargo, a banker provided me with what I was told was my account and routing information for direct deposit. I relied on the information provided by the bank and submitted it to my employer 's payroll processor, XXXX. After my payroll was processed, I discovered that the account information provided by the banker did not belong to me. Instead, it belonged to another Wells Fargo customer. As a result, my paycheck was deposited into someone else 's account. My employer and XXXX have confirmed that they can not reverse or retrieve the funds because Wells Fargo accepted and released the deposit. Wells Fargo has informed me that I must wait up to XXXX business days for updates. This situation was caused entirely by a Wells Fargo employee 's error. I did not provide incorrect information, nor did I make any mistake in the direct deposit setup process. I relied on the banking information provided to me by the bank when opening my account. Because of this error, I have been deprived of access to my earned wages and have experienced significant financial hardship and stress. Additionally, I am deeply concerned that another customer 's confidential banking information was provided to me, raising serious privacy and security concerns. I am requesting that Wells Fargo : Immediately resolve this matter and recover my payroll funds. Provide a provisional credit for the full amount of my paycheck while the investigation is pending. Provide a written explanation of how this error occurred. Address the apparent breach of customer account information and explain what corrective actions are being taken to prevent this from happening to other customers.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/year>, I was contacted by a representative named XXXX from XXXX XXXX subrogation dept regarding an alleged vehicle accident debt under {$3000.00}. No police report exists for this alleged incident. During this initial call, XXXX was highly aggressive, demanded immediate payment in full before hanging up, and threatened that he would suspend my driver 's license if I did not pay. This is a direct violation of FDCPA 15 U.S.C. 1692e regarding deceptive threats. I requested written validation of the debt. XXXX promised to send it but failed to do so, violating the 5-day written notice requirement under 15 U.S.C. 1692g. I followed up with a second representative who promised XXXX would email it ; it was never sent. Today, XX/XX/year>, XXXX escalated his harassment by calling my employer on his personal cell phone to pursue this unvalidated debt, violating 15 U.S.C. 1692c ( b ) regarding unauthorized third-party workplace disclosures. I demand that XXXX XXXX cease all workplace communications, stop all phone calls, and immediately validate this debt in writing as required by law.

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 2026-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I owed a small balance. They called my employer and I was asked to not have personal calls at work. I asked them to stop calling- they call my job everyday at least once per day

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> we got a call from a scammer saying money was taken from our account and that we needed to take money out to investigate how to bank tellers handle situations. We took out XXXX and he told us this money needed to be sent to an Atm card so they could verify funds. This was his personal card but we did not know at the time. We began the deposit and sent him XXXX and then decided we needed to speak to Wells Fargo before continuing. We realized this was a scam and requested a wire to deposit the XXXX back into our own savings account. After we could see that the scammer started to zelle out the money and did not know about this wire. We asked Wells Fargo to block the transfers and ensure our wire gets sent and we get our money back but they said they could not do that or block him. So now I am waiting for a wire to be sent that is supposed to be under review but I no longer have access to his account and can not make sure we get that XXXX back and Wells Fargo has done nothing. The scammer tricked us into believing he was part of the FBI and fraud agency. I have messages and screenshots to prove this.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Allied Interstate LLC XXXX XXXX XXXX XXXX XXXX XXXX Re : Identity Theft Dispute and Demand to Cease Collection Reference No. : XXXX Alleged Creditor : XXXX XXXX XXXX Original Creditor : XXXX / XXXX XXXX To Whom It May Concern : I am writing in response to your collection notice dated XX/XX/year>, regarding the above-referenced account. I dispute this alleged debt in its entirety. This account resulted from identity theft and is not my legal obligation. Enclosed is a copy of my Federal Trade Commission Identity Theft Report ( FTC Report No. XXXX ), which identifies the fraudulent XXXX account among the accounts opened through identity theft. In addition, this account was previously removed from my consumer credit reports as part of my identity theft claim. Despite that, I have now received collection efforts from Allied Interstate on behalf of XXXX XXXX XXXX. Because this account is the result of identity theft, I request that you immediately : Cease all collection activity on this account. Mark the account as disputed due to identity theft. Provide the complete chain of assignment showing how XXXX XXXX XXXX acquired this specific account from XXXX XXXX XXXX Provide copies of any application, agreement, signatures, or other evidence that you contend establishes that I opened or authorized this account. Provide documentation demonstrating that Allied Interstate has legal authority to collect this alleged debt. Confirm in writing that no further collection efforts will be made unless and until you possess competent evidence that I am legally responsible for this account. Please also preserve all records related to this account, including communications, account notes, assignment records, and any documents relied upon in determining that I owe this alleged debt. Any future communication should be in writing only at the address above or by email at : XXXX If you determine that this debt resulted from identity theft, I request written confirmation that your file has been closed and that no further collection activity will occur. Thank you for your prompt attention to this matter. Respectfully, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report No. XXXX XXXX of Allied Interstate collection notice Any documentation showing the account 's prior deletion from your credit reports ( if available )

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 2026-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IA

Complaint narrative:
I got a letter from US Bank stating someone attempted to open checking and savings accounts in my name. I have tried for XXXX days to reach someone and have been on hold for over XXXX hours

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 2026-07-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been trying to apply for help to get my mortgage back on track. I keep getting denied do to a judgement that has paid off I have sent in. The release and they still denied me this bank has Bank has been the worse. I need help this has been stressful.

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 2026-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MI

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-07 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: NY

Complaint narrative:
XXXX issued me a refund check for amount of {$190.00} that was drawn on a Citibank corporated account the check was mailed to me on XX/XX/year> but was stolen in fortunately cast on XX/XX/year> I have filed a police report this is the police report number XXXX XXXX refuse to help me I am the attendant payee and Citibank is literally responsible for honoring a forger endorsement I demand Citibank investigate this fraud provide the check image and issue a replacement

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 2026-07-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
We have a Wells Fargo acct which we opened when we lived in XXXX area XXXX We have an automatic payment that pays for another XXXX provided by the bank. Unfortunately we moved to XXXX where no Wells Fargo exists. We call to activate account and were told by numerous agents they could not do it but I knew they could because letter stated that we just need to call them. I'm not sure if certain lines are managed in XXXX but they were unable to help.. they kept saying we must go to a branch XXXX of miles away .. kept getting runaround on activating acct, till I got a guy named XXXX I think he took care of it by sending a request on our behalf .. this allotted time to activate online banking which was only way to keep it active without making a costly trip on a plane to nearest branch. Why do banks not accept auto payment as activity on an acct??? Why would they put it into dormant status especially if it's to pay on another svc with in their bank. So once we got reactivated decided to set up on line banking but this time the phone listed wasn't updated even thought we had updated cell number as main number at a branch in Washington. We explained other number was no longer used and not sure why bank didn't have that information when I called. They would not update my information even having all the information and this frustrating experience is a catch XXXX. You can not update cell number online till u get logged in but u can't enroll because original land line number is no longer used. The agent I spoke with could not change the old number or input my cell even after verifying my information. She was given all the personal information and details of my bank visit to mainland and changes I made when I went up with my husband. We are not young. I have never jumped thru so many hoops and I just want my account to stay active and not disappear or taken away due to what they claim is inactivity... surely a call is all it should take from anyone freezing acct or taking it away

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I pay my statement in full every single month and have for years and years. Suddenly in the last XXXX or so months, Citibank has suddenly and intermittently started placing a payment hold on my payments. I have had to call them on at least XXXX separate occasions for an associated payment. The money has left my bank account and is no longer accessible to me but Citi holds the money, doesn't apply it to my statement balance, and eventually I am over a limit because they haven't cleared the balance that I have satisfactorily paid on time. Each time, I have to call and get them to verify funds even though they already have the money. Today I was told that doing this increases my chances for having it happen again, as does making large payments ( I do every single month ), making multple payments each month ( I tried breaking payments down into smaller, more frequent payments in an attempt to circumvent the " large payment '' trigger ), and basically doing anything resembling the right thing. This can't be legal. How is this even allowed???

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 2026-07-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( " FCRA '' ) to dispute this account because it is inaccurate and does not belong to me. I have never opened, applied for, authorized, or used XXXX XXXX XXXXccount associated with this alleged debt. I have never entered into any agreement creating this obligation. XXXX Report : Creditor : Harris & Harris LTD Original Creditor : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation