vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Repeat Identity Theft and Systemic Security Failure by Wells Fargo Bank I am filing this complaint against Wells Fargo due to their systemic failure to protect my personal information, enforce basic Know Your Customer ( KYC ) protocols, and honor explicit security promises, which has resulted in repeated identity theft.Incident XXXX : XXXX XXXX the end of XX/XX/year>, I discovered that an unauthorized individual used my stolen identity to open four fraudulent accounts with Wells Fargo : a business checking account, a business savings account, a personal checking account, and a credit card.Upon discovery, I took immediate, extensive mitigating actions : I contacted Wells Fargos fraud department to report the unauthorized accounts.The bank closed the fraudulent accounts.Wells Fargo agents explicitly assured and promised me that my information would be flagged and that no further accounts could be opened under my name.I froze my credit files with all three major bureaus ( XXXX XXXX XXXX XXXX .I filed a federal identity theft report via IdentityTheft.gov ( FTC ) .Incident 2 : XXXXXXXX XXXXDespite the bank 's explicit assurances and the active credit freezes, Wells Fargo has allowed yet another round of identity theft to occur. On XX/XX/year>, I received new account opening welcome letters from Wells Fargo. The bank permitted the unauthorized opening of a second business checking account, personal checking account, and savings account using my compromised data.Compounding Damages and Institutional FailuresWells Fargo failed to implement adequate security flags on my profile after the XX/XX/year> incident, despite promising to do so. Furthermore, because these are checking and savings accounts, Wells Fargo likely bypassed traditional hard credit pulls ( which would have been blocked by my bureau freezes ) and failed to utilize XXXX or internal identity verification checks effectively to flag my compromised identity.This repeat failure has caused me severe financial XXXX, forced me to expend additional time remediating a problem the bank claimed was solved, and exposed me to ongoing financial liability. Wells Fargo must explain how a flagged identity was permitted to open three new accounts, immediately close these new fraudulent accounts, and provide a permanent, foolproof solution to prevent this from happening a third time.

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 2026-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
I answered the phone and a lady answered I asked who she was she said Monterey financial, she wanted to talk about a payment arrangement I asked to send the information in writing she said she can't do that and they they have sent information to email I asked did I give permission she said they don't need to I asked about in writing and was told only email I'm not doing anything unless it's in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 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: WA

Complaint narrative:
I filed a credit card dispute for a fraudulent charge on my credit card. The merchant attempted to substitute a completely different service than what was agreed to attempt to justify a fraudulent bill. Citi Bank NA 's dispute process was : 1 ) Citi requested evidence from the merchant only. Citi did not request any evidence or information from me or contact me to look into what happened. Without performing an investigation, they took the fraudster 's evidence of the substituted service and made a representation to me that they had completed an investigation and that I was liable for the transaction. This representation was untrue, or substantial not true, and they must have known it was untrue. XXXX ) Then, On XX/XX/year>, Citi sent me a letter that they requested I sign, and attach evidence and email it to them at XXXX to continue the dispute, and to do so by XX/XX/year>. A PDF scan of the signed letter with all evidence attached was emailed to them on XX/XX/year> at XXXX PST. XXXX Citi representatives later confirmed that this was received and filed in their systems on a timely basis, contrary to the representation made by Citi in its next letter. XXXX ) On XX/XX/year>, Citi sent a letter stating " We have reviewed the information you provided regarding your dispute. We no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute has passed. '' This statement is false, because the information was provided timely per their self-created deadline, the charge was XX/XX/year>, well within the XXXX window for disputes, and well within the 1 year window for claims and defense claims. There is no truth to claiming I wasn't timely.

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 2026-07-15 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: KY

Complaint narrative:
i tried to purchase something online never received my package then i tried to contact the merchant they never responded then i have my XXXX tracking number and it showed it was delivered to a different address and in someone elses name I had sent all of the documents to my credit card company and they still keep denying it. I had purchased it XX/XX/XXXX AND IT WAS {$2200.00} i HAVE BEEN DISPUTING SINCE XX/XX/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 2026-07-15 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I had a banking relationship with Citibank when they decided to close my account with an ending balance of {$35000.00} that was never returned to me. They claim they have been trying to verify the check, when nothing needs to be verified because the funds are still there in their banking system a few years since they decided to close my account with my funds in there. Nothing on there end is stating that the funds needs to verified, because the funds are still there with them Citibank! Citibank decided to close my account so they can steal my money!!! They need to return my money like the law requires of 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
Consumer complaint received 2026-07-15 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: LA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXXXXXX XXXX XXXXXXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Date payment scheduled : XX/XX/XXXX ( Saturday ) Funds debited from my bank account : XX/XX/XXXX ( Monday ) Citi 's current position : Payment on hold, won't credit/apply until XX/XX/XXXX Issue : I connected my bank account via Plaid as required by Citi week XXXX XXXX, initiated the payment through their own system, funds were successfully withdrawn from my bank on XX/XX/XXXX. Citi now claims I need to " connect my bank account '' despite the payment already clearing. They are holding funds they've already collected for 4+ business days with no justification beyond vague fraud concerns. Multiple transactions were declined. I had to send an additional payment to free up enough available credit for activities. > Regulation Z ( XXXX ) violations alleged : Payment was received via approved electronic method on XX/XX/XXXX but is not being credited timely. Additionally, Citi 's customer service is providing contradictory instructions, claiming the bank account isn't " connected '' despite successfully processing the ACH debit.

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 2026-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I broke my XXXX a month ago, workers comp sent a check and I deposited it {$1200.00} they put a 9 day hold and it cleared 3 days ago and they refused to release any of it. This is a huge financial disaster on my part with a XXXX XXXX, no food or gas.

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 2026-07-15 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: LA

Complaint narrative:
To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * XXXXXXXX XXXX XXXXXXXX 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 2026-07-15 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-07-15 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 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am requesting assistance with a GAP insurance refund issue involving Wells Fargo. After refinancing my auto loan, Wells Fargo issued a GAP refund check in the amount of {$880.00}. The check was made payable to both myself and my former co-signer. The vehicle title and registration are now solely in my name. I no longer have a relationship or contact with my former co-signer. Wells Fargo informed me that they have attempted to contact her but have been unsuccessful. I have also attempted to resolve the matter. I was able to reach out to her, and she responded stating that she would not cooperate or assist with resolving the GAP refund. I have contacted Wells Fargo by phone and visited a branch, but I have not been provided with a clear resolution process. I was told that the funds would remain unresolved because the co-signers authorization is needed. I understand that the check was issued to two payees, but I am requesting that Wells Fargo provide a formal review and explain what options are available when one payee refuses to participate and the check remains uncashed. I am requesting that Wells Fargo : * Review my case through the appropriate department. * Provide a written explanation of their policy for this situation. * Explain whether the outstanding check can be stopped, canceled, reissued, or otherwise resolved. * Provide a clear path forward instead of leaving the funds inaccessible indefinitely. I am attaching documentation showing my attempts to resolve this matter and my former co-signers response refusing to cooperate.

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 2026-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: LA

Complaint narrative:
ACCOUNT INFORMATION BEING DISPUTED Creditor : EASTERNACCOS Account Number : XXXX * * Original Creditor : XXXX XXXX XXXX COMMUNICATIONS XXXX : {$460.00} Date Opened : XX/XX/year> Date Reported : XX/XX/year> Creditor Type : Collection services SPECIFIC FCRA VIOLATIONS XXXX. INCOMPLETE AND INACCURATE FURNISHING - FCRA Section XXXX ( a ) ( 1 ) This account is missing virtually all required data fields. There is no account status, no payment status, no last payment date, no past due amount, no payment history, and no days late information. Under Section XXXX ( a ) ( 1 ), furnishers must report " all information in the furnisher 's possession '' that is relevant to the consumer 's creditworthiness. You can not report a negative collection account with no supporting data. 2. MISSING DATE OF FIRST DELINQUENCY - FCRA Section XXXX ( a ) The 7-year reporting period begins at the " date of first delinquency. '' This account contains no date of first delinquency. Without this date, you can not determine when this account should be removed from my credit report. This violates the reporting time limits under Section XXXX ( a ). 3. MISSING REQUIRED DISCLOSURES - FCRA Section XXXX ( a ) ( 4 ) & XXXX XXXX XXXX XXXX Collection accounts must include the name of the original creditor, the account number, the date of first delinquency, and the amount at the time of first delinquency. The only creditor identification is " XXXX XXXX XXXX COMMUNICATIONS, '' which is incomplete. The " XXXX '' prefix is meaningless. No account number, no date incurred, and no original balance are reported. 4. FAILURE TO REPORT DISPUTE STATUS - FCRA Section XXXX ( a ) ( XXXX ) The account shows " Account not disputed. '' I am disputing this account with this letter. You are required to reflect the dispute status on my credit report as required by Section XXXX ( a ) ( XXXX ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am a resident of the XXXX of Florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, I have worked hard to rebuild my life and restore my credit. While reviewing my credit report, I discovered a collection account reported by Waypoint Resource Group that I do not recognize. The account is reported as WAYPOINT Account XXXX XXXX XXXX XXXX with a balance of {$220.00} and was last updated on XX/XX/XXXX. I do not believe this account belongs to me. I have no knowledge of this debt, never entered into an agreement that would result in this collection account, and do not recall receiving any notice explaining the origin of this debt. I respectfully request that Waypoint Resource Group investigate this account and verify that it belongs to me. If the company can not provide sufficient documentation showing that I am legally responsible for this debt, I request that the account be removed from my credit reports.

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 2026-07-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
My minor son was taken to XXXX XXXX XXXX via XXXX without a legal parent or guardian present or giving authorization. When I arrived to XXXX XXXX I refused services for my minor son. I did not complete any paperwork and refused all services. Despite this, they billed me for services never rendered. This occurred on XXXX XXXX, XXXX. The credit report shows the debt in 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