vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I requested a validation of the items appearing on my report without my knowledge.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> I was contacted by a scammer who had had the exact balance of my checking account ; exact amount to whom I had sent a XXXX transfer the day before my last transaction, my on line payment to the City of XXXX the day before. They had my debit card number & All my accounts with Wells Fargo My wifes name, address, full social security number and date of birth. They had mine also but I did not ask them to tell me the number. They changed my on-line password so I could not access my accounts. They claimed to be Wells Fargo employees and someone had tried to obtain a bank check from my account in the amount of {$14000.00}. They said the person appeared at the local branch with a drivers license with my name and addresss They asked for my help to withdraw {$14000.00} from my account to prevent the scammer from being able to cash the check at a check cashing facility. They said Wells Fargo would reimburse me. I fell for their scam and attempted to help Wells Fargo. Wells Fargo does not deny that there was a release of the confidential information but claims I have not been harmed and that they would never make a request like this. should have called them. They said they would never call me but they have. The most recent complain # given to me by Wells Fargo is # 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 2026-04-24 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: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am a XXXX mother and previously had credit card accounts with JPMorgan Chase that were closed after I reported multiple transactions as fraud. At the time, I believed the charges were unauthorized. I later discovered that these transactions were made by someone I knew who had access to my card without my knowledge or consent. I took steps to resolve this situation and prevent it from happening again. I no longer have contact with this individual and have put safeguards in place to ensure my accounts remain secure. Recently, I applied for a new credit card with Chase. I was initially approved, but shortly afterward, the account was closed without a clear explanation. I have attempted to contact customer service multiple times, but I have not been able to get meaningful assistance or clarification. I am requesting that Chase review my situation, reconsider their decision, and allow me the opportunity to maintain an account in good standing. I am committed to using my account responsibly and do not anticipate any future disputes of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a missing {$60.00} transaction from XX/XX/XXXX. Cash App support ( Case # XXXX ) initially claimed a 'Ledger Rejection [ XXXX ] '. However, my bank ( XXXX ) confirmed the payment was 'REPRESENTED ' and successfully processed on the second attempt on XX/XX/XXXX. Cash App has received the funds but refuses to credit my balance. Additionally, their technical error triggered a {$19.00} returned check fee on my bank account, which they refuse to reimburse. Manager XXXX closed my case despite proof of the successful second payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Back in XXXX my vehicle was repossessed in the month of XXXX I had a appearance in front of XXXX XXXX judge in regards to a restraining order case number XXXX When I went outside in the morning to go to court for this injunction, my vehicle was gone. It cost me hundreds of dollars to take a XXXX or some kind of taxi service to the repossession lot to pick up the vehicle where I had to pay the lot fees and an additional car payment that was not needed. I argued with the bank Suncoast credit union. They never shouldve repossessed my vehicle because I had an extension granted. they argued with me that the information I gave them was wrong, and I was under arrest and unable to continue to fight with them at that time. I was preparing to sell my house and pay the loan off, so I went into the branch and I dropped off a request for them to clarify the payoff amount. They printed me out a statement and I explained to them it was incorrect. I circled the amount I initialed the paper I requested that this go through their loan department for clarification. I was told it would take some time I said thats fine And I left the branch in XXXX, Florida I have filed numerous complaints with the agency that overseas the credit union industry. Those are on record also. Recently this agency, the Consumer finance agency has helped me obtain some information and sent me a PDF file after reviewing that file they are acknowledging. I actually did make the payment I stated. That is why Im contacting you again in regards to the same credit union they owe me money. I had to pay repossession fees and I spent hundreds of dollars on a taxi ride because the area did not have transportation available even though I pay taxes via County taxation for my property stating that I am supposed to have transportation via a bus or something Anyway, Im contacting you again because they owe me money regarding the repossession in XX/XX/year> XXXX asking for whatever assistance you can provide to help me obtain this money back that I was charged wrongfully Including the {$300.00} I had to spend to get to the tow truck yard to pick up the vehicle they wrongfully repossessed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: AL

Complaint narrative:
I'm a physically XXXX XXXX homeowner who's home was severely damaged when a huge tree fell onto my roof. I had to be rescued and my homeowner insurance company provided XXXX XXXX XXXX until XXXX XXXX could be found. My homeowners insurance coverage provided funds for basic essentials since I left my home with basically nothing. I've consistently have encountered issues with XXXX XXXX XXXX XXXX frequently denying my purchases based on the premises of irregular purchase. XXXX XXXX results in Irregular Purchases when your home is damaged resulting in lose of access to everything a human being needs to survive. I completely understand Algorithms designs to protect consumers against Illegal Activities but Inclement Weather results in Bizarre Purchases. The XXXX XXXX needs to be redesigned to factor in Emergency Situations!!!

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding my Cash App account, which currently holds a completed payment of {$1600.00} that I can not access as of today. ( XX/XX/year> ). The payment was XX/XX/year>, and I tried logging into my account, and it told me that the account does not exist, or it can not be recovered. I have done nothing to the account, and I use the account from time to time. On XX/XX/XXXX, I sent my cousin {$200.00} and it flagged my main account, so I sent the money to my second account ( XXXX ) and It flagged it as well and closed the account. Eventually the account opened back up, and I sent her the money elsewhere. Now XXXX can not be accessed and every time i try to sign in, it says my account can not be recovered or does not exist, On XX/XX/XXXX, I received a payment of {$1600.00} to the same account ( XXXX ) and the payment shows as completed, and my cashapp is still visible. However, when I attempt to log into the account I receive errors such as the account does not exist or it can not be recovered. I have contacted cashapp support multiple times and received conflicting information. With some stating they can help me and some stating they can not help. I am requesting escalation, account recovery, or immediate access to the {$1600.00} currently held in the account. I am willing to verify my identity and ownership. I need a clear resolution, as I am currently being denied access to my funds despite the payment being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: CA

Complaint narrative:
On XX/XX/2026 I received a notification that my credit score had dropped significantly from XXXX XXXX services. I researched the issue and discovered that my credit report was adversely affected by an unknown and unidentifiable collection company named Hunter Warfield. I immediately contacted the collection agency and realized that someone had fraudently used my identity on a rental lease agreement of some sort. The company representative XXXX that I spoke to asked if I knew a person by the name of Page I believe which I did not obviously. He then advised me to contact FTC and fill out an online application to dispute the debt or file a police report. He then asked for documentation of my social security number and other information that immediately raised my suspicion and I declined. I then mentioned that I would be urgently following up on the matter and seek legal representation if needed. He also provided me with an account number on the fraudulent debt # XXXX and the number of the agency was on my credit report as well XXXX. Thank you in advance for your prompt attention to this very concerning matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates , LLC ( PRA ) and the continued reporting of an allegedly owed account originally associated with XXXX XXXX. I have disputed this account multiple times and requested competent documentary evidence supporting the accuracy of the information being furnished to consumer reporting agencies. Despite prior disputes, PRA continues reporting the account while failing to adequately resolve material concerns regarding ownership, balance accuracy, and reporting consistency. Summary of Issues Continued Reporting After DisputeI previously notified both the furnishers and credit reporting agencies that this account was disputed. Despite this notice, the account continues to be reported in a derogatory manner. Questionable Balance AccuracyRecords provided indicate differing balances and timelines between the original XXXX XXXX account and the amount later claimed by PRA. I requested a full itemization showing how the claimed balance was calculated, including any fees, interest, charge-off adjustments, or post-sale amounts. No competent itemized accounting has been provided. Potential Duplicate / Excessive Derogatory ReportingThe original XXXX XXXX charge-off history and the PRA collection reporting appear to create duplicate negative impact for the same alleged obligation. Failure to Conduct Reasonable InvestigationGeneric responses referencing seller records do not satisfy a meaningful investigation when specific disputes were raised regarding ownership, balance, dates, and furnishing accuracy. Maximum Possible Accuracy ConcernsThe Fair Credit Reporting Act requires maximum possible accuracy. Continued reporting of disputed information without adequate substantiation raises concerns regarding compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: TX

Complaint narrative:
I was charged by XXXX on my Wells Fargo account and I filed a couple claims, one of them was approved and the other one was denied and it was the exact same charges

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 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Product/Service : Personal Loan from Retirement account / 401 ( k ) Issue : Incorrect information on report / Problem with account handling Company Names Involved : XXXX XXXX ( former recordkeeper ) XXXX ( current recordkeeper ) XXXX XXXX XXXX ( plan sponsor following merger with XXXX and XXXX ) Complaint I am filing a complaint regarding improper handling of my 401 ( k ) account and incorrect tax reporting related to an outstanding loan ( ~ {$25000.00} ) during a plan transition by XXXX XXXX . At the time of the transition from XXXX XXXX to XXXX, my loan was active and being repaid on schedule. I did not request any distribution. I did not receive any effective notice regarding : the plan transition how my loan would be handled any requirement or method to continue repayment Despite this, my account statement now reflects a loan amount distributed, and XXXX XXXX has reported this to the IRS using Form XXXX with distribution code 2. This is incorrect. A loan-related event must be classified as either : a qualified plan loan offset, or a deemed distribution Reporting it as a general distribution has created unnecessary tax exposure and may eliminate my ability to complete a rollover. The companys response has been inadequate and simply stated they can not help. Harm Approximately {$25000.00} reported as taxable income Loss of ability to properly manage loan repayment Potential loss of rollover eligibility due to incorrect coding Financial harm due to forced liquidation of investments Requested Resolution I am requesting : Correction of the Form XXXX to reflect proper loan classification Written explanation of why this was not treated as a loan offset Confirmation of whether rollover eligibility remains available Review of plan administration and notification process Remediation of any tax consequences caused by incorrect reporting Additional Information I have attempted to resolve this directly with the involved parties, but they have declined to correct the reporting and continue to rely on the position that lack of notice was due to my address, despite no effort to communicate through other available means. I am requesting CFPB assistance in obtaining a formal response and correction. Submitted by : 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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
b'Navy federal XXXX XXXX XXXX XXXX XXXX someone use my personal information'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: KY

Complaint narrative:
I was called by IQ XXXX XXXX at around XXXX and was asked about an early conversation I had with saying I would try and get in contact with the other people that were on the lease to discuss taking care of the debt that we owe. He asked if I was able to contact them and I said I was only able to get in contact with one person XXXX XXXX who is my mother and he then proceeded to ask when Im able to start making payments to the debt we owe and I said Im not sure hopefully soon and then he asked when is soon to which I replied Im not sure and he said well I need more concrete evidence to that and I said well I dont know all I know is it will hopefully be soon to which he then asked if that conversation with the other person on the lease even happened. And I said that it did and he said well you are just making false promises to which I said nothing and hung up the phone because he is not going to berate and disrespect me like that. He told me in the beginning of the call that it was being recorded so Im hoping the call can be found and used as evidence of this harassment and disrespect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: MI

Complaint narrative:
The XXXX reopened a closed account and charged erroneous fees that allowed them to process the check issued by the Social Security, despite the federal protection on these benefits. The bank told me today that they are taking the whole check and applying it to debt inherited from my husband 's estate. This is so illegal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 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: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Asked for a reversal of the charges as I didnt make them, never did and I never received any product. My bank did a provisional credit but then charged me back. I also had closed the debit card and got a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
I am the representative payee for my mother, a vulnerable beneficiary. U.S. Bank closed both her checking account and representative payee account without any prior notice. As a result, I immediately lost access to beneficiary funds needed for medication and essential daily care. Multiple checks have been returned due to the account closure, and I have incurred fees that were caused directly by the banks actions. Additionally, the bank deducted funds for new check orders despite the account being closed. I have contacted U.S. Bank multiple times by phone and through the branch. A complaint was opened, but I have not been provided with a clear explanation, access to funds, or a timeline for resolution. I specifically requested the reason for closure, where the funds are being held, and when they will be released, and this information has not been provided. This situation is causing immediate harm because I can not access funds required for medication and care. I am requesting : * Immediate release of all remaining funds via cashiers check or transfer * Reimbursement of all returned check fees and improper charges * A written explanation for the account closures without notice * Confirmation that no negative reporting was made due to returned transactions caused by the bank This involves a representative payee account and beneficiary funds, which should be handled with heightened care and urgency.

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