vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-29 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: RI

Complaint narrative:
Disputed transaction completely fraud and got denied by my bank for unknown reason. CITIBANK credit card.

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 2026-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TX

Complaint narrative:
I noticed that my credit card was removed from my mobile app, so I called the company to determine the reason. I have a perfect history : I have never reported fraud, never missed a payment, and have never carried a balance or paid only the minimum. Despite this, when I called to inquire, I was informed that I had been deemed a risk. Consequently, they closed XXXX of my cards across XXXX different banks, as XXXX is the backend provider for both. I requested a secondary review, noting that no one had ever contacted me to question any transactions or verify changes to my financial situation. Although the initial representative pushed back, a supervisor ultimately agreed to the review. Unfortunately, after this second review, they maintained that I am a high-risk customer and closed my accounts permanently without providing a specific reason, citing company policy. This issue began on XX/XX/scrub> 2026, and they finalized the second review on XX/XX/year>2026. I am now left with a significantly lower total credit limit, which will hurt my credit score. Furthermore, they have negatively impacted my record despite my flawless payment history.

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
An unauthorized charge of {$1500.00} was made on XX/XX/year> to an unknown XXXX XXXX account ending in XXXX via my checking account at Wells Fargo. I noticed this fraudulent charge and immediately reported it to Wells Fargo before it's actual posting date of XX/XX/year> in hopes that it could be cancelled or returned. I made it clear to Wells Fargo that I think my personal computer might have been compromised solely off a whim because my computer had been acting funny the past few days. Wells Fargo notified me that they would close my checking account and debit card to issue new ones but the charge would have to be investigated by their team to determine the outcome which could take XXXX business days. I waited to reset passwords and login to the new bank account until I could wipe my computer and start fresh. The decision after their investigation was that the charge was in fact " authorized '' and no further action would be taken even after I made it very clear multiple times that I was the only person with my banking login information to my knowledge. They gave me the option to dispute this outcome and I immediately requested them to look further into it but it would take another XXXX business days which is fine. I received a final outcome email from Wells Fargo on XX/XX/year> stating that after an additional review, no further action would be taken due to the fact that everything on their end showed it was an " authorized '' transaction. I pleaded with them and tried to explain the situation again but was told nothing can be done unless I have any new information, which I did not. I thought I was doing everything right by contacting them immediately even before it posted to my account but Wells Fargo is refusing to protect a long time customer from fraud. I can not prove someone illegally gained access to my personal computer and apparently me telling them it was not authorized is not enough. I have filed a police report with XXXX XXXX and am using any resources I can to try and recover this amount of money including filing a complaint here. What good is a bank if they can't protect their 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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I transmitted a written Cease and Desist and Debt Validation Demand to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via XXXX Certified Mail. XXXX confirmed receipt XX/XX/XXXX at XXXXXX/XX/XXXX Resurgent confirmed receipt XX/XX/XXXX at XXXXXX/XX/XXXX Despite confirmed receipt, XXXX transmitted collection emails XX/XX/XXXX ( Sunday ) and collection letters XX/XX/XXXX all post-Cease-and-Desist violations of 15 U.S.C. XXXX ( c ). Those violations were documented in CFPB Complaint No. XXXX. On XX/XX/XXXX, I transmitted a XX/XX/XXXXNotice of Insufficient Validation confirmed received by Resurgent XX/XX/XXXX at XXXXXX/XX/XXXX. On XX/XX/XXXX, XXXX responded to CFPB Complaint No. XXXX claiming no evidence of mishandlings and certifying compliance with all applicable laws. XXXX days later, on XX/XX/XXXX, XXXX transmitted XXXX additional collection letters cXX/XX/XXXXe XXXX (XX/XX/XXXX) and cXX/XX/XXXXe XXXX (XX/XX/XXXX received XX/XX/XXXX. Both letters constitute collection communications transmitted XX/XX/XXXX days after confirmed Cease and Desist receipt, in direct violation of 15 U.S.C. XXXX ( c ). Letter XXXX enclosed a new self-prepared Account Summary Report generated XX/XX/XXXX, again misrepresented as verification of debt, which states on its face it is not a credit card or other account statement from the original creditor. This does not constitute lawful validation under 15 U.S.C. XXXX or XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX ( XXXXXX/XX/XXXXXXXX ). Total confirmed violations now stand at XXXX. XXXX of XXXX demanded validation documents have been produced in XX/XX/XXXXdays.

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 2026-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and, Proof of Address, and SS Card.

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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered unauthorized accounts, collections, and delinquent credit accounts on my credit reports that I believe resulted from identity theft. My personal information has been exposed in multiple documented data breaches over several years, including XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ), XXXX ( XXXX ), and XXXX XXXX XXXXXXXX ). These breaches exposed personal information such as my name, email address, passwords, and in some cases Social Security information. My TransUnion report shows multiple collection accounts and closed credit card accounts with missed payments that I dispute as fraudulent, including XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX I am requesting that these accounts be investigated, blocked if fraudulent, and removed from my credit history under the Fair Credit Reporting Act.

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 2026-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/year> Savings account missing XXXX plus XXXX charge for wire transfer. call Wells Fargo to question balance of saving account was told that I issued a wire transfer to XXXX Bank for XXXX XXXX XXXX. XX/XX/year> open a Fraud dispute XXXX XXXXXXXX XX/XX/year> called WF on status on fraud investigation. Advice still investigation status. XX/XX/year> still no resolution on case. Ask for transfer to executive office. fraud caseworker XXXX issued a new fraud XXXX XXXX. She provided me with her extention XXXX XXXX XX/XX/year> Fraud investigation claim denied. I ask for all investagation notes plus my authorization along with electronic signature with my approval for a wire transfer. No formal information provided on the transaction

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
I am filing this complaint against CREDIT COLLECTION SERVICES, located at XXXX XXXX XXXX, XXXX, MA, XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$66.00} originally owed to XXXX XXXX XXXX XXXX, Account No. XXXX XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 3 FAILURE TO VALIDATE ( FDCPA 15 U.S.C. 1692g ) : This company failed to provide legally sufficient validation of this alleged debt. A collection notice, a computerized printout, or a one-page account summary does NOT constitute proper debt validation under federal law. The company has not produced the original signed agreement, a complete payment history, or proof of legal authority to collect in my state. This unlawful collection and reporting activity has caused me significant harm including emotional distress. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: MT

Complaint narrative:
I am submitting this complaint to notify the CFPB that I have issued a formal cease and desist notice to this debt collector. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that they stop contacting me immediately. I do not want to receive any further phone calls, emails, letters, text messages, or any other communications from this debt collector.

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 2026-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I reached out to who I thought was a former classmate from high school regarding investing in Bitcoin, because he had posted on XXXX that he was an authorized seller. I initially invested {$500.00} and then every few months, invested more. This went on for just over XX/XX/XXXX year. When I was ready to withdraw the money, he had asked for an additional {$5000.00}. I setup a checking account at Wells Fargo for this reason, I didn't want to use my primary account. After that payment was made, he proceeded to ask for more money. It was then that I realized it was a scam. I contacted Wells Fargo regarding the {$5000.00}, but they refused to refund the money because the transaction was authorized. I have filed a police report and am working with a detective on this matter.

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 2026-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XXXXXXXX XXXX I canceled my total tech account with best buy and was told I would get a refund for the part I had not used. The amount was going to be put onto the canceled card I had and I explained that I wanted a check mailed to me. I was told to go to my local Best buy to get the refund. My local Best Buy refused to give me the refund because I had filed a fraudulent charge complaint. As of XX/XX/year> all charges on the card were canceled and removed, however, I still have not received the refund. It was put on the canceled charge as a payment towards to fraudulent charge in XX/XX/year> after my local store refused to give me the refund. I want my refund, it is owed to me and I want a check in the mail, especially since I no longer have a best buy account nor a best buy card. Not giving me the refund is outright theft by best buy and citibank. I was told in a chat with a best buy agent that I would receive the refund in XXXX business days then he retracted that and told me I had to go to my local store to change my payment option. At the store they refused to give me the refund.

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 2026-06-29 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/year>, I attended a XXXX timeshare sales presentation in XXXX XXXX, Nevada, where I was encouraged to purchase a timeshare and open a Barclays credit card to finance the transaction. During the presentation, I was told I could offset or pay down the cost of the timeshare by generating income through renting last call vacations, selling or renting points, and using third-party platforms that would assist in managing rentals for a commission. The decision to proceed was based in part on these representations regarding income-generating opportunities. The day after purchase ( XX/XX/year> ), I contacted XXXX and the sales representative to begin using the last call and rental systems and was informed that key account access ( including XXXX systems ) required an approximate XXXX activation period after purchase. This information was not disclosed during the sales presentation, and it prevented me from evaluating or using the income-generating features within the contractual cancellation window. After attempting to use the system and learning more about the actual process and limitations, I determined that the income-generation capabilities were materially different from what was represented at the time of sale. I contacted XXXX multiple times requesting cancellation and resolution but was informed the cancellation period had expired. I also filed disputes with Barclays regarding the related charges and submitted a formal complaint through CFPB. I am requesting investigation of the transaction, reversal of disputed charges where appropriate, and cancellation of the agreement based on misrepresentation and lack of full disclosure.

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: MT

Complaint narrative:
I am submitting this complaint to notify the CFPB that I have issued a formal cease and desist notice to this debt collector. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that they stop contacting me immediately. I do not want to receive any further phone calls, emails, letters, text messages, or any other communications from this debt collector.

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 2026-06-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
I am filing this complaint to dispute an inaccurate collection account that has been transferred from XXXX XXXX XXXX XXXX Credit Control , LLC. This debt stems from XXXX XXXX charges for XXXX and XX/XX/year> after I vacated the property before XX/XX/year> due to eviction. I did not receive services during the period being billed, and I returned all XXXX equipment. I am not legally responsible for these charges. Despite my dispute, this account has been reported again under a new collection agency, causing continued and unnecessary damage to my credit. Transferring a disputed debt does not resolve the underlying inaccuracies or make the information accurate. I request a complete investigation and require Credit Control , LLC and XXXX XXXX to provide competent evidence that I am legally responsible for this debt. If they can not do so, I request the immediate and permanent deletion of the collection account from all consumer reporting agencies, cancellation of the underlying debt, and that all collection efforts cease. My goal is a full resolution that removes both the collection and the alleged debt so it no longer negatively impacts my 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 2026-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
b'On XX/XX/XXXX 2023, I purchased a mattress from XXXX XXXX but rather than paying it all off I got the promotional finance offer. So, I got the XX/XX/XXXX synchrony home card. I got it approved but told the employee of XXXX XXXX who took care of me to set the payments accordingly, so it would pay itself off within the 24-month interest free period. XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX was supposed to set the payments for me. No good faith here. I found out that the payments were set to a minimum XXXX which I did not accord at the establishment. The only proof of the correct payment amount was handwritten by XX/XX/for XXXX on the receipt brochure. Hence, XXXX a store employee who I spoke to at the store on XX/XX/XXXX 2026, told me the payment was going to be short XXXX dollars (even if she would have set it to XXXX). On XX/XX/XXXX 2025 the 24th month promotion was over then they charged me all the interest that I saved during the 24 months with a remainder balance. There was an intent to deceive me as all along I thought the payments were set correctly to avoid this problem. Who in their right mind, would want to worry about paying or owing any money after the interest free period as we know that all the interest would be added to the balance. I called Synchrony and they were rude and nasty in responding to me. I went to the location and spoke to someone who worked there named of XXXX on XX/XX/XXXX and XX/XX/XXXX when the manager was supposed to be there no show. I wantXX/XX/ to be held accountable. They are still debiting my account now for the supposedly remaining balance and all the interest now XXXX I found out through XXXX XXXX that Synchrony is claiming a XXXX plus balance. I believe XX/XX/ and synchrony should be held accountable. I am pretty sure that I am not the first to be set up to fall for this scam. I have all the docs of purchase. I mattress promotional price was XXXX plus sales tax of XXXX total sale XXXX customer n. XXXX. The outrageous amount I have been charged now is XXXX. This is a robbery. I am practically being charged again for another mattress. I have provided the sales information that is printed in my receipt.'

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 2026-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US bank froze my account and is closing it. I went to a branch and called customer service, but they refused to give me immediate access to my funds. I am a single mother, this is my only source of income, and I am facing severe financial hardship with no money for food or basic bills. I need U.S. Bank to immediately release and overnight my remaining balance via check. ''

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 2026-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: MT

Complaint narrative:
I am submitting this complaint to notify the CFPB that I have issued a formal cease and desist notice to this debt collector. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ) and demand that they stop contacting me immediately. I do not want to receive any further phone calls, emails, letters, text messages, or any other communications from this debt collector.

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