vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am submitting this complaint regarding a fraudulent USAA credit card account that was opened without my knowledge or authorization as a result of identity theft. The account was opened on or about XX/XX/year>, with a credit limit of approximately {$2000.00} and a reported balance of about {$2100.00}. It is currently being reported as a charged-off account and has caused significant damage to my credit profile. I did not apply for, authorize, or benefit from this account in any way. This account is part of a broader identity theft issue involving multiple fraudulent accounts reported on my credit file. I have disputed this account and notified the appropriate parties that it is fraudulent. Despite this, the account continues to be reported without proper validation or a reasonable investigation. No adequate method of verification has been provided to show that this account belongs to me. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), once identity theft is reported, the furnisher and credit reporting agencies are required to block the reporting of fraudulent information. USAA has failed to comply with these requirements by continuing to report this account and failing to properly investigate or remove it. I am requesting the following : 1. Immediate blocking and removal of this fraudulent account from all credit reporting agencies 2. A full and complete investigation into how this account was opened and reported 3. Documentation showing the method of verification used to link this account to me 4. Assurance that this account will not be reinserted or reported again This inaccurate reporting is causing ongoing harm, and I am requesting prompt resolution of 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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: PA

Complaint narrative:
I resumed repayment on my federal student loans after the XXXX payment pause and am enrolled in the SAVE income-driven repayment plan. My loans serviced by MOHELA are currently listed as being in forbearance with no payment due, but I did not clearly request or receive an explanation for this status change. My balance has not meaningfully decreased despite prior payments, and I can not determine how interest and payments have been applied. I am requesting a full payment and interest accounting, confirmation that SAVE plan interest benefits are being properly applied, and clear communication regarding my repayment status.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc

Complaint narrative:
Someone opened a Chime account using my email address without my knowledge or consent. I did not create this account and I am not a Chime customer. I do not reside in the United States. I contacted Chime at XXXX to report this and request that the account be closed and my email removed. Chime responded with an automated message telling me to use their app or call their US phone number both of which are inaccessible to me as I live outside the USA. Chime has failed to provide any accessible way to resolve unauthorized account creation for non-US residents. I am requesting that CFPB require Chime to : ( 1 ) close the fraudulent account, ( 2 ) remove my email address from their systems, and ( 3 ) confirm in writing that this has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Meta Payments Inc.

Complaint narrative:
" I am filing this NEW complaint because Meta XXXX XXXX XXXX provided FALSE and MISLEADING information to the CFPB in my previous closed case ( No. XXXX ). In their final response dated XX/XX/year>, Meta claimed : 'We have investigated the matter and confirm your account has now been reactivated. '. This is a blatant lie. My account ( XXXX ) remains 'Permanently XXXX ' for 'Integrity ' reasons. Despite being a paying XXXXMeta Verified ' subscriber, I am being charged for a service I can not access, and the company is deceiving federal agencies to avoid accountability. I am the rightful owner of Business Manager ID : XXXX. I demand an immediate manual override and a sync between Metas legal responses and its technical systems. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd

Complaint narrative:
WISE bank has unilaterally closed our account on XX/XX/year>. This was done with no previous request for information. In fact, late XXXX, Wise requested clarifications on our movements, which we provided same day and we then received confirmation that no further informations were necessary. We appealed the decision which was automatically rejected and a different account for refund was requested ( which we provided ). We need the funds to operate our business and according to WISE it may take up to 10 business days to do the refund, which suffucates our business. We had around XXXX XXXX in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Resurgent is harassing me. I requested proof of debt. They sent me a XXXX XXXX XXXX debt trying claim i owed them {$500.00} or {$600.00}. This was not the debt they claimed I owed but tried to have me pay something I never had. I sent a cease and desist telling them to stop contacting me or I would file a suit against them. That letter was sent XX/XX/XXXX. XX/XX/XXXX and XXXX they sent 7 letters. According to your own regulations, this is harassment. 7 letters in 2 days? They are only allowed 7 letters in 7 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
Citibank closed my account in XXXX after a mobile deposit flag and is still holding approximately {$800.00} of my funds. I have provided XXXX and payroll documentation verifying the legitimacy of the deposit, but Citi has not released the funds or provided a workable verification method. I am requesting assistance in obtaining my funds through a manual verification process.

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 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have banked with BMO for some time now. I received a couple of my XXXX XXXX checks and deposited them into bmo. Then I was XXXX. After my first XXXX I contacted the bank to update my address and order a new debit card because according to them my card was canceled due to inactivity, but my account was still open so they had no reason to cancel my card without my requesting them to do so. After updating my address they said I had to wait five business days before ordering a new card... so I waited and then when I called to request the new card I found out that the operator from before incorrectly entered my new address. So I had to update it again and also wait another five business day period. Finally when I called to reorder they said that they could not send me a new card and that I needed to come into the branch to unlock my access for online banking as well as getting a new debit card. All the while I have XXXX $ still In my account that they are holding from me. I have been hospitalized since XX/XX/year> and have had three major surgeries. I then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been in and out of XXXX. I have contacted bmo customer service multiple different times to unlock my online access because my bills are due and I am unable to pay them through the bill pay function in my checking account because they refuse to give me access to my funds. My phone number is still the same number after all of the time I have had the account and that is used for verification 100 % of the time so how are they going to say that I can't be verified and I need to step into a Branch. I am not physically able to just pop In to the branch at their request, but I am very frustrated that they are holding my funds from me. When I chose to bank with BMO I didn't know that I would have to deal with so many issues in accessing my funds. It makes me want to close out my account altogether. It is not my fault that they're customer service incorrectly updated my information nor is it my problem for them to rectify it is theres

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent my complaint via certified mail and Equifax didn't show what a dispute was made after them stamping the certified postcard that was sent back from the US postal service. I have proof that the received the dispute about XXXX but they have not acknowledged it on the website as being disputed. I actually sent the same dispute to all three creditor bureaus. So, I'm filing this complaint regarding Equifax for failure to properly process and investigate a dispute submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I sent a formal dispute by certified mail regarding the account reported by XXXX XXXX XXXX. I have proof that the dispute was delivered. However, Equifax is now claiming that no dispute exists on my file. This indicates that my dispute was either mishandled, ignored, or not properly logged into their system. Under the FCRA, Equifax is required to conduct a reasonable investigation of any dispute submitted by a consumer. The account in question contains inaccuracies, including but not limited to incomplete and inconsistent reporting, and I requested validation including documentation proving ownership and the original contract, from all three bureaus. To date, this has not been properly addressed. I am requesting that Equifax : 1 ) Immediately acknowledge and process my dispute 2 ) All three bureaus conduct a full and proper investigation 3 ) All three bureaus provide all documentation used to verify this account 4 ) Remove the account if it can not be fully verified Failure to properly investigate and respond is a violation of my rights under the Fair Credit Reporting Act. I am requesting a timely resolution and written confirmation of the outcome.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent my complaint via certified mail and XXXX didn't show what a dispute was made after them stamping the certified postcard that was sent back from the US postal service. I have proof that the received the dispute about Midland but they have not acknowledged it on the website as being disputed. I actually sent the same dispute to all three creditor bureaus. So, I'm filing this complaint regarding XXXX for failure to properly process and investigate a dispute submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I sent a formal dispute by certified mail regarding the account reported by Midland Credit Management. I have proof that the dispute was delivered. However, XXXX is now claiming that no dispute exists on my file. This indicates that my dispute was either mishandled, ignored, or not properly logged into their system. Under the FCRA, XXXX is required to conduct a reasonable investigation of any dispute submitted by a consumer. The account in question contains inaccuracies, including but not limited to incomplete and inconsistent reporting, and I requested validation including documentation proving ownership and the original contract, from all three bureaus. To date, this has not been properly addressed. I am requesting that XXXX : 1 ) Immediately acknowledge and process my dispute 2 ) All three bureaus conduct a full and proper investigation 3 ) All three bureaus provide all documentation used to verify this account 4 ) Remove the account if it can not be fully verified Failure to properly investigate and respond is a violation of my rights under the Fair Credit Reporting Act. I am requesting a timely resolution and written confirmation of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CT

Complaint narrative:
* * Complaint Against Bank Failure to Secure Compromised Debit Card / Regulation E Violation * * I am filing this complaint regarding my banks handling of unauthorized debit card transactions and its failure to properly secure my account after fraud was reported. I reported fraudulent transactions on my debit card after my card information was compromised. The bank investigated and ruled the initial transactions in my favor, confirming that the activity was unauthorized. However, despite confirming fraud, the bank failed to cancel or replace the compromised card number. Because the same card remained active, additional unauthorized transactions continued to occur after I had already notified the bank that my card was compromised. Under the Electronic Fund Transfer Act ( Regulation E ), once a customer reports unauthorized electronic fund transfers, the financial institution is required to take reasonable steps to prevent further unauthorized transactions and limit consumer liability. The banks failure to replace or block the compromised card directly allowed continued fraud losses. Subsequently, the bank closed my account while disputes were still pending. I am concerned that the account closure may be affecting the proper handling of my Regulation E disputes. * * My concerns are : * * * The bank failed to secure my account after confirmed fraud. * Additional unauthorized transactions occurred after notification to the bank. * I need confirmation that all subsequent fraudulent transactions are being investigated as Regulation E unauthorized transfers. * I need confirmation of where any refunds or provisional credits will be sent following account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hi U.S. Bank Support Team- I noticed several fees on my U.S. Bank account that I would like to ask for a refund on. I have been a loyal customer of U.S. Bank and hope to continue, but these fees are becoming really frustrating.... Especially when there are now so many fee-free banks and its been such a tough year! Can I get a refund on the {$320.00} from my transactions below? Overdraft Paid Fee 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had an open claim # XXXX associate with my Wells Fargo account under the name XXXX XXXX. I was double charged from XXXX for {$180.00} and provided the confirmation and receipt for the 1 charge ( not two charges ). I was unable to get a refund from XXXX as they do not provide any customer support via email or phone so I escalated to Wells Fargo, but have not been properly helped as theyve stopped responding. At first, I spoke to someone on the phone regarding this claim as it was unapproved and the money was removed from my account. On the phone, they said they were also never able to speak to someone from XXXX ( which was my issue ) and they put the money back, but its since been taken again. \nDespite calling and sending three emails to XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), I have not gotten a response from Wells Fargo . They have not even acknowledged receipt of my emails, which Ive requested on all three. This email is listed on my claims correspondence letters so Im surprised my emails have gone ignored and upset since Ive been a customer since XXXX and have multiple accounts with them.

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