vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX i opened an investment slot with XXXX XXXX XXXX XXXX XXXX and was guided to make deposits from my checking account to cash app and XXXX up to the amount of {$38000.00} with a 3 mo term. On XX/XX/XXXX withdrawal date this lady started to charge me different fees in order to give me my funds commission which i paid 10 %, then administrative fee XXXX also paid, activation fee XXXX, XXXX XXXX XXXX ( accomplice ) and finally XXXX gas fee but i never saw the money, so i reported to the FBI had 2 meetings with special agent XXXX and he took note and sent me to the police and also made my report ( FBI XXXX ; XXXX XXXX ), also reported to FTC XXXX and Texas General Attorney XXXX. Wells Fargo turned me down and denied my reimbursement request even though i explain in detail that i was induced by fraud on a cripto scam, she is a scammer professional criminal that was sending me XXXX and email daily and answering all my questions and my consentment was procured through fraud, i followed her directions for an investment slot to pay my bills, im almost XXXX XXXX XXXX and looking for financial freedom, i received money from my pension life savings and risk it into this legitimate brokerage bitcoin investment but was robbed my funds stolen. My authorization was not free not meaningful, fraud deception affected my decision making fraud in the inducement and the bank ignored this. Access obtained through fraud may not be truly authorized, scam induced authorization is not meaningful authorization and besides my record shows clearly my financial situation and this movements on my account were very unusual ( clear scam indicators ) so the bank acted with negligence and incured in elderly financial abuse, the red flags were there ; i clicked send because scammers created false realities i got all the evidence emails and XXXX conversations. I appear to " agree '' to transactions but that agreement was produced by intentional deception and fraudulent inducement make a contract voidable, rescindable unusual wire patterns are there ; so i want my money back charge back from Wells Fargo based on my previous grounds on federal law Electronic Funds Transfer Act protection, Securities Act 1933 and Securities Exchange Act 1934. I request formal reimbursement of stolen funds the bank denied one by one of my requests claim 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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NC

Complaint narrative:
This is on my credit report I reached out several times left multiple messages and No one has returned my call to provide information regarding this bill. I have primary insurance and government insurance as XXXX There should not be any medical bills unpaid. Per insurance agreement any remaining balances are to be adjusted. It is illegal to go after bills when you have government insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to inaccurate, incomplete, misleading, and/or unverifiable information. Under Sections 1681e ( b ) and 1681i of the FCRA, you are required to maintain maximum possible accuracy and conduct a reasonable investigation of disputed information. I am demanding that you provide competent evidence that this account has been properly verified, including : * Original signed contract or application bearing my signature * Complete payment history * Proof of legal ownership of the alleged debt * Date the debt was incurred * Documentation proving the account was reported accurately * Method of verification used during your investigation * Name, address, and phone number of the party who verified the account Company Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Company Name : XXXX XXXX Account Number : XXXX XXXXXXXX Company Name : XXXXXXXX XXXX Account Number XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is 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 non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc.
State: VA

Complaint narrative:
I am filing this formal complaint against XXXX ( Mercury XXXX ) for their refusal to delete my personal and business data after denying my business banking application. Key Facts : On XX/XX/year>, I submitted an application for a business checking account for XXXX XXXX XXXX. Mercury denied the application. On the same day, I sent a clear, written demand to XXXX requesting the immediate and permanent deletion of all personal and corporate information I had provided. To date, Mercury has failed to acknowledge or confirm deletion of my data. This refusal violates my rights under the Virginia Consumer Data Protection Act ( VCDPA ), specifically Va. Code 59.1-577, which grants consumers the right to delete personal data when it is no longer necessary for the original purpose. Formal Demand : I demand that Mercury be required to : 1. Immediately and permanently delete all personal and business data collected from me, including but not limited to name, addresses ( virtual and otherwise ), bank statements, EIN, and any other sensitive information. 2. Provide written confirmation within 7 business days that all data including backups and any third-party copies has been securely and permanently erased. 3. Cease any further retention or processing of my data. I am prepared to provide all supporting documentation, including timestamps and correspondence, and will escalate this matter if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I purchased full coverage insurance through XXXX for a rental vehicle in XXXX. Upon arrival, the rental company informed me the insurance sold through XXXX was not accepted for U.SXXXX customers, requiring me to purchase additional insurance directly from the rental company. Chase denied my dispute on the basis that services were rendered, despite the core issue being that the insurance product sold was unusable and misleadingly marketed as full coverage. The booking documentation simultaneously advertised Full Coverage while also stating Insurance is excluded for US XXXX XXXX citizens. I believe this constitutes a misleading representation of the insurance product and duplicate insurance charges. Chase acknowledged receiving documentation stating Insurance is excluded for US XXXX XXXX citizens, yet failed to address why XXXX simultaneously marketed and charged me for Full Coverage insurance that was unusable at pickup and required duplicate insurance to be purchased from the rental company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing a complaint regarding a disputed transaction involving a travel agency called XXXX XXXX and Chase Banks handling of my dispute investigation. I booked a trip to XXXX scheduled for XX/XX/year> through XXXX XXXX. I only paid the initial deposit and first payment totaling {$390.00}. In XX/XX/year>, several months before the scheduled trip, I canceled after realizing I would not be able to attend. When I contacted the travel agency to request a refund, I was informed that I was not eligible for one. I then asked the travel agent to provide me with a copy of the cancellation policy. The agent stated over the phone that she would email it to me, but I never received it. I later followed up myself by email requesting a copy of the cancellation policy and still did not receive one. At the time I registered for the trip and submitted payment, the cancellation terms presented to me did not state that voluntary cancellations were non-refundable. The documentation I received only stated that if a payment was late, there would be a {$25.00} late fee, and if payment remained unpaid beyond four days, the reservation could be canceled and all monies paid would become non-refundable due to missed payments. Because I believed the travel agency was refusing to honor the cancellation terms provided to me, I filed a dispute with Chase Bank. Chase initially issued a temporary credit while the claim was under investigation. However, on XX/XX/year>, the funds were withdrawn from my account after Chase denied the dispute. When I contacted Chase for an explanation, I was informed that the travel agency submitted documentation allegedly showing that I agreed to a policy stating I would not receive a refund if I canceled the trip. I then provided Chase with the actual documentation I received during registration, which did not clearly disclose that voluntary cancellations were non-refundable. The only non-refundable language referenced missed or late payments. I believe Chase failed to properly consider the conflicting documentation I provided and relied solely on the merchants submitted documents without adequately addressing the inconsistencies between the terms I received and the terms later provided by the merchant. I have requested reconsideration of my case, but Chase Bank has refused to reopen or reconsider the dispute despite the contradictory documentation. I am requesting that Chase Bank conduct a fair and thorough review of the evidence and explain why the documentation I provided was not given proper consideration during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank abruptly and without any prior notice closed multiple accounts I hold with them including personal checking, business checking, and business savings accounts. I received no advance warning, no written notice, and no explanation prior to or following the closures. I have been completely locked out of my accounts and am unable to access my funds. Despite making multiple attempts to contact Citibank directly, they have refused to provide any reason for the account closures and have not returned the funds held in my accounts. As of the date of this complaint, my money remains frozen and inaccessible. This situation has caused me serious financial harm. I am unable to pay business expenses, meet payroll obligations, or cover personal financial obligations. The sudden loss of access to these funds, with no explanation or timeline for resolution, has created an urgent and ongoing hardship. Citibank 's conduct appears to violate its obligations under applicable federal banking regulations, including the requirement to provide reasonable notice before closing consumer and business deposit accounts, and its duty to promptly return customer funds upon account closure. Citibank 's failure to communicate any reason, provide written notice, or return my money is unacceptable and potentially unlawful. I am requesting that the CFPB : 1. Investigate Citibank 's account closure practices in this matter. 2. Require Citibank to immediately return all funds held in my closed accounts. 3. Require Citibank to provide a written explanation for the account closures. 4. Take appropriate action to prevent Citibank from engaging in similar practices with other customers. I have not received any satisfactory response from Citibank and am filing this complaint as a formal request for regulatory intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: KS

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: MT

Complaint narrative:
I MOVED FROM GEORGIA TO MONTANA AND NEEDED TO UPDATE MY ADDRESS IN THE REGIONS BANKING SYSTEM ( THERE ARE NO REGIONS BANK BRANCHES ANYWHERE NEAR THE STATE OF MONTANA ). REGIONS BANK OUTRIGHT REFUSED TO ALLOW ME TO DO SO FOR LITERAL WEEKS. WHEN THEY FINALLY BECAME ANNOYED ENOUGH WITH ME TO PERMIT ME TO DO SO, THEY THEN BANNED ME FROM BEING ABLE TO ORDER A DEBIT CARD- CLAIMING THAT MY ACCOUNT WAS 'UNDER MAINTENANCE ', AND INSISTING UPON SENDING PHYSICAL POSTAL MAIL TO MY OLD DEFUNCT ( AND CURRENTLY INACCESSIBLE ) ADDRESS IN GEORGIA, WHICH NEITHER I ( NOR ANYONE ASSOCIATED WITH ME ) RESIDE ANY LONGER. WHEN I TRIED TO ADD MY BANK ACCOUNT DIRECTLY TO THE XXXX APP TO AVOID THE NEED FOR A REGIONS DEBIT CARD TO ACCESS MY FUNDS, THEY FORCED ME TO RESET MY SECURITY QUESTIONS, BUT MADE IT MANDATORY THAT I PROVIDE INFORMATION FOR A NON-EXISTENT CARD THAT I'VE NEVER ORDERED, NOR RECEIVED. THEY WON'T ALLOW ME TO SIMPLY PROVIDE MY SOCIAL SECURITY NUMBER, REGISTERED USERNAME, PASSWORD, REGISTERED EMAIL ADDRESS, REGISTERED PHONE NUMBER, ACCOUNT NUMBER, OR ANY OTHER INFORMATION ASSOCIATED WITH MYSELF OR MY REGIONS ACCOUNT. DUE TO THIS, I AM NOW FACING EVICTION FROM MY APARTMENT IN 3 DAYS IF I'M NOT ABLE TO ACCESS MY FUNDS TO PAY MY RENT. THAT'S NOT TO MENTION BUYING FOOD.

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 2026-05-29 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: NJ

Complaint narrative:
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
XX/XX/year>, I sent a certified letter to Aldous & Associates XXXX XXXX XXXX XXXX UT XXXX requesting full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. They are reporting inaccurate information, invalid. XXXX document I signed was a placeholder application, not an executed lease. XXXX. The lease required a cosigner for activation and no cosigner was ever approved or signed. XXXX. Because the required cosigner was never approved, no binding lease was formed. XXXX. I never took possession of the unit. XXXX. I never picked up keys, never moved in, never saw the unit and never accepted possession. XXXX. Without a valid lease without possession, no rent or fees were legally owed. Therefore, the alleged debt is not valid. I asked them to provide executed lease, proof of possession or occupancy, key pickup records, move in inspection reports, access logs, any documentation showing acceptance of the unit, but they don't and never did. I also want to note that at the time this occurred, I was a young college student looking for my first apartment. I did not understand the leasing process, and the apartment company took advantage of my inexperience. I never took possession of the unit, never received keys, and never lived there in any way. Despite this, they sent me to collections for a debt I do not owe. This has caused longterm harm to my credit and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: MD

Complaint narrative:
NRA refuses to remove the negative collection account on my credit reports with XXXX even though I never received any initial communication, certified validation notice, itemized statement, or signed contractual agreement documentation establishing the existence or legitimacy of the alleged debt. Under Regulation F, a debt collector is prohibited from furnishing information to a credit bureau before providing the consumer with a written validation notice. NRA did not provide any such notice. NRA have lawsuits for illegal practices : Case No. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management previously responded to CFPB stating they required a police report to continue reviewing my identity theft claim. I am now providing the requested police report, XXXX XXXX Police Department Case # XXXX, along with my FTC Identity Theft Report. This account resulted from identity theft and I did not open, authorize, use, or benefit from the XXXX XXXX XXXX account Midland is attempting to collect. Midlands prior response questioned my FTC report because the wording resembled other consumers reports. However, FTC IdentityTheft.gov reports are standardized government-generated documents, and similar formatting does not invalidate an identity theft claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.

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 2026-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This letter serves as my initial dispute concerning inaccurate, incomplete, misleading, and unverifiable information currently appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies must maintain and report only information that is fully accurate and verifiable. Under FCRA 1681i, you are also obligated to perform a proper investigation of all disputed accounts and information.

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