vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
We successfully completed our full lease term with XXXX XXXX at XXXX XXXX XXXX, concluding naturally on XX/XX/2025, and officially returned the keys on the morning of XX/XX/2025. I also gave a 60 days notice that we would not be renewing the lease. All full months of rent under the lease agreement were paid to management. The only remaining housing balance at move-out was the XXXX prorated days from XX/XX/XXXX. Despite this natural lease conclusion, the creditor has assessed a highly inflated, penal move-out balance of {$2800.00}, which was sent to Pro Collect , Inc. for collection. This balance includes a fraudulent equipment replacement fee for a working cooking stove, alongside an illegal {$1200.00} Paragraph XXXX reletting penalty.Per verified utility records, a new resident successfully established a XXXX XXXX account at that exact address on XX/XX/2025, confirming immediate re-occupancy. Under Texas Property Code 91.006, landlords maintain a strict statutory duty to mitigate damages and are legally prohibited from collecting dual rents or enforcing penal contract fees once a unit is re-occupied. Despite receiving a formal statutory dispute and an immediate cash tender of all undisputed housing and cleaning funds ( {$610.00} ) to fully cover our prorated days and cleaning, Pro Collect sent an automated email flatly refusing to properly investigate or produce the certified corporate XXXX XXXX XXXX for the apartment unit. They are intentionally withholding this internal housing ledger because it contains the structural payment history of the subsequent tenant who occupied the unit on XX/XX/XXXX. By withholding this ledger, they are attempting to mask their client 's clear statutory violations. I request an immediate federal compliance audit of this account, production of the original unit rental payment ledger, removal of the fraudulent stove and reletting fees, and permanent deletion of this invalid credit tradeline under the FCRA.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XX/XX/XXXX I opened a zero interest cc and transferred approximately XXXX on to the card. On XX/XX/XXXX i made {$100.00} payment ( {$50.00} min ) on the card for my XXXX payment due on XX/XX/XXXX. On XX/XX/XXXX i made {$100.00} payment on my XXXX statement due XX/XX/XXXX. On XX/XX/XXXX i made {$100.00} payment on my XXXX statement due XX/XX/XXXX. On XX/XX/XXXX i made a {$100.00} payment on my XXXX statement due XX/XX/XXXX. I wasnt using the card other than the balance transfer. I when looked at the activity I saw XXXX late charges XXXX XXXX XXXX XXXX. I have made XXXX phone calls to Citi customer service spoke with several supervisor who assure me all XXXX late charges will be refunded. They refunded XXXX and XXXX but now refuse to refund XXXX XXXX. I clearly have shown them where my payments were early not late. Today when I called Citi and again spoke to supervisor of course not the same ones who assured me She said I was outside billing days or something and refused to refund XXXX XXXX hanging up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Credit card — Store credit 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: Atlanticus Services Corporation
State: OK

Complaint narrative:
The system has never worked fully or reliably since installation on XX/XX/year>. The doorbell camera and panel have repeatedly gone offline including a continuous outage exceeding seven days and the doorbell camera remains non-functional. A technician visited on XX/XX/year> ; the system tested clear but failed again within XXXX hours. I sent XXXX a formal written demand for cancellation and refund by certified mail, delivered XX/XX/year>. XXXX acknowledged my complaint but did not offer cancellation or a refund only a repair visit and a financing buyout. I filed a dispute with Fortiva ( dispute reference on file ) and asserted my claims and defenses under the FTC Holder Rule, which appears in the retail installment contract itself, and my rights under the Fair Credit Billing Act. I am requesting cancellation of the financed balance, a refund of amounts paid, and protection of my credit during the dispute.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
Barclays Bank Delaware approved me for a JetBlue Plus Card in XX/XX/XXXX at my U.S. mainland address ( I live part of the year in the mainland U.S. with a Virginia driver 's license, part in XXXX XXXX ) and charged the annual fee. My first purchase was declined and the card blocked for suspected fraud. Over XXXX months I made XXXX calls ; each time my identity was verified and the card " unlocked, '' it was blocked again. I faxed, then mailed ( XX/XX/XXXX ) color copies of my licenses, passport, Social Security card and bank statement ; Barclays said they " could not be properly viewed '' ( its own scanning issue ) and told me to restart. On XX/XX/XXXX Barclays ' own system let me change my address to XXXX XXXX with NO warning this would make the account ineligible. On XX/XX/XXXX I complained in writing to the XXXX XXXX XXXX XXXX. On XX/XX/XXXX a XXXX XXXX XXXX personally completed all verifications and REMOVED the restrictions. XXXX days later ( XX/XX/XXXX ) Barclays mailed a letter backdated XX/XX/XXXX stating for the first time that the card " is not available for servicing to customers residing in XXXX XXXX '' and the account will be closed contradicting its own XXXX, with no option to cure, not even restoring my mainland address. The restriction was never disclosed at application, approval, or in the cardmember agreement ; I paid a fee for.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was told today XX/XX/26 to call them because access was locked to my account. After waiting on the line for almost XXXX hours I was told I would not have access to my funds in my account and it would be closed within XXXX days. That's all the money I have to my name and I need access to it or I won't be able to pay my bills, get gas, food or anything. It was citibank that I had this account with.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Balance transferred processed XX/XX/XXXX on XXXX card and another XX/XX/XXXX for the exact amounts of {$6500.00} plus the balance transfer fees different for each account. Called XX/XX/XXXX and multiple times in the live chat to resolve this issue and was not provided XXXX till XX/XX/XXXX. The fix was to pay the balance transfer in full for XXXX card and the balance transfer fees would be refunded. The payment processed XX/XX/XXXX for the amount of {$6500.00}. Contacted CITI XX/XX/XXXX to have the fee refunded following the call on XX/XX/XXXX and was told that the fee could not be refunded. My balance transferred was processed XXXX on there end.

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 2026-07-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Had a XXXX account that got transferred to Wells Fargo. Never got a Wells Fargo card & never spent money once the account was under the control of them. I paid the balance in full on XX/XX/year> & the account was closed. Today I received a notice that my payment is late & was told I owe ~ {$110.00}. I can not create an online account to access this information & when I call Wells Fargo I get a cant process call message & get hung up on. I was able to bypass the call center & have spoken with XXXX different people, but no one can help. I was just told that interest & late fees are accumulating even there shouldnt be a balance & I cant access my account. Please help! I dont know what else to do & this is negatively affecting 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 monetary relief
Consumer complaint received 2026-07-06 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: KS

Complaint narrative:
Wells Fargo failed to conduct a reasonable investigation of my billing dispute as required by the Fair Credit Billing Act and Regulation Z ( 12 C.F.R. 1026.13 ). The transaction required delivery to an authorized recipient with an authorized signature. The documentation provided by Wells Fargo did not establish that an authorized person signed for the delivery. I notified Wells Fargo that neither XXXX XXXX nor I signed for the delivery and that no authorized person accepted the shipment. During its investigation, Wells Fargo requested XXXX XXXX 's actual signature. I provided the requested evidence. Although Wells Fargo acknowledged receiving it, its denial never addressed the evidence it had requested. A timeline is included in my attachments

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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, I was the victim of an online impersonation scam. I immediately contacted Wells Fargo the same day to report fraud on my account. I informed the bank that I had been deceived into sending money and asked them to block all activity. At that time, I did not see any pending wire transfer in online banking, and Wells Fargo did not disclose that a {$1000.00} domestic wire had been initiated. From XX/XX/XXXX through XX/XX/XXXX, my full account balance remained visible with no indication that a wire was pending or processing. Because Wells Fargo did not disclose the pending wire and the balance never changed, I reasonably believed the wire had failed. The bank instructed me only to call back Monday, and no fraud XXXX contacted me. On XX/XX/XXXX, Wells Fargo closed my account due to the fraud report and transferred the full visible balance into a new account. Again, no pending wire was disclosed to me before the closure, and the full balance was moved as if no outgoing transfer existed. XXXX XX/XX/XXXX, XXXX day after the account was closed and XXXX days after I reported fraud, the {$1000.00} wire posted. This was the first time I became aware that the wire had gone through. I immediately contacted Wells Fargo again, and only then did the bank open a fraud claim. Wells Fargo later denied the claim, stating the wire was authorized, but this ignores several critical facts : This is a wire transfer dispute involving fraud and deception. The bank misclassified the transfer as authorized even though I acted under impersonation and coercion. I reported fraud before the wire posted. Wells Fargo failed to disclose the pending wire during multiple calls. Wells Fargo failed to act after fraud notice and did not escalate the case. Wells Fargo allowed a pending wire to post after account closure. The bank ignored deception, impersonation, and the fact that I did not intend the scammer to receive funds. The bank ignored Regulation XXXX requirements for unauthorized transfers. The bank refunded the {$25.00} wire fee, acknowledging good faith, but refused to return the {$1000.00} that was allowed to leave the account after a fraud report and after account closure. Under Regulation E ( 12 CFR 1005 ), a transfer is unauthorized if the consumer did not intend the person receiving the funds to receive them. I did not intend for the scammer to receive the wire, and Wells Fargo misclassified the transaction as authorized. I am requesting CFPB assistance because Wells Fargo misclassified this as an authorized transfer, failed to act on a fraud report, failed to disclose a pending wire, and allowed the loss to occur after being notified of fraud. I am requesting reimbursement of the {$1000.00} wire that was improperly allowed to post.

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 2026-07-06 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I hired XXXX XXXX helpers on XX/XX/XXXX and had prepaid for the helpers and the truck rental. XXXX Movers came and brought XXXX men with them and they told me I would have to pay extra for them. When the movers completed loading my uhaul they asked for the payment code from uhaul and my credit card info. I have never used uhaul help before so i thought it was normal. I gave them the payment code from uhaul and also my credit card number for the XXXX guys they brought with them. I sold my house the next day and moved to XXXX Colorado and I had booked a vrbo for XXXX nights because I have XXXX labs that were moving with me. I closed on my new house on Monday the XXXX of XXXX and went to my new house to wait for the movers. Kings cargo is the company that come. They had XXXX men and completed the job and i paid them with the payment code uhaul had given me. They didn't ask for additional money.After I got settled in my new house I looked at my credit card transactions and saw XXXX charges I had not made. XXXX was XXXX available LLC for {$280.00} and the other for XXXX for {$190.00}. I told the credit card company they weren't my charges and they canceled my card and sent me a new one. XXXX XXXX of XXXX Movers called me and asked why it was in dispute. I told him I couldn't pay him until they disputed it. XXXX called over and over and demanded me to pay and threatened me and I finally had to block him on my phone. I called uhaul helpers and they told me you never give your credit card info to the movers. I feel like they took advantage of me being a senior. ( XXXX ) The other charge was XXXX. I didn't even know what it was. It's an hairdressing scheduler for a XXXX shop. That charge was on the XXXX when I closed on my new house. USAA said my card was present at the appointment. How could i be there? I was in XXXX closing and moving into my new house. I have documents proving this. USAA still paid them. I have been customer with USAA for 41 years. Both charges had to be from XXXX XXXX of XXXX Movers. They were the only XXXX to have my info. I don't want them to take advantage of anyone else. I got scammed.

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 2026-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Best Buy willfully violated the Fair Credit Reporting Act by obtaining my credit report without a permissible purpose or my consent. A Best Buy employee fraudulently initiated a credit application in my name without my knowledge while I was not present. On XX/XX/year>, I received a letter stating that a request for a My Best Buy Credit Card in my name was declined. I did not apply for this credit card, nor did I authorize anyone to apply on my behalf. I am a resident of Connecticut, which is not a community property state. My personal information was used without my knowledge or consent, which is a violation of the Fair Credit Reporting Act. My husband applied for a card on his own at the Best Buy located at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, and it appears my information was improperly pulled or " auto-populated '' into a joint application without my signature or permission. On XX/XX/year>, I contacted Best Buy and asked them to provide me with a copy of the original application associated with this request, and also to remove any and all " hard inquiries '' placed on my credit reports ( Equifax, Experian, and/or TransUnion ) XXXX from this unauthorized activity. On XX/XX/year>, I received a letter from Best Buy in which they acknowledged that the credit application in my name was unauthorized and had been withdrawn. However, they failed to comply with my explicit request for a copy of the original application. Under federal law ( FCRA XXXX ( XXXX ) ), businesses are legally mandated to provide victims of identity theft with copies of application and business records relating to fraudulent transactions. Their failure to provide the requested application copy within 30 days is a willful violation of federal law. For this reason, on XX/XX/year>, I sent a letter to Best Buy demanding that they provide me with a copy of the original application associated with this unauthorized request. On XX/XX/year>, I received a letter from Best Buy stating that they could not " investigate my dispute '' because they " can not locate my account. '' Furthermore, they said that the information they reported to the Consumer Reporting AgencieXXXX for this account " will remain on my credit report. ''

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed 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 2026-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
b"Note: The previous complaint I submitted had incomplete files. Attached are the files\n\nXXXXPrint complaint\nOpen\nSubmitted\nStatus\nSubmitted to the CFPB on XXXX/2026\nProduct\nMoney transfer, virtual currency, or money service\nIssue\nFraud or scam\nWe received your complaint. Thank you.\nWe will review your complaint. Depending on what we find, we will typically:\n\nSend your complaint to the company for a response; or\nSend your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or\nLet you know if we need more information to continue our work.\nYOUR COMPLAINT\nI purchased a vehicle online from a website called XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX Phone XXXX XXXX I won a vehicle and was instructed to wire the funds to US Bank Account# XXXX RoutingXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX IL XXXXBeneficiary Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I wired XXXX from my XXXX XXXX account on XXXX XXXX. Recently I XXXX XXXX address and is a vacant house on XXXX. Wonder how US Bank allowed to open an account.\nThe vehicle was scheduled to be delivered to me on XXXX, XXXX XXXX The shipping company: XXXX XXXX XXXX XXXX XXXX XXXX texted me and told me the delivery will take place the next day, on XXXX morning.\nNever got delivered. After further research, I found that XXXX is a scam site. There are live auctions every day. I contacted my bank, XXXX XXXX and filed a claim and received a letter they will not be able to recover the funds. I file online with few agencies include FBI but no response. The seller does not respond to my emails or calls. The site XXXXXXXX is running and they keep listing the same vehicles they already sold once.\nMy opinion is to contact the US bank and ask for refund. They never verified the XXXX when the account was opened. The entity is not register with the state of IL and the residency is fake."

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