vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I accidentally sent {$2400.00} through XXXX from my Wells Fargo account due to a single digit error in the recipient phone number. The mistake was recognized immediately and reported to Wells Fargo the same day. Wells Fargo informed us the payment was received by a XXXX XXXX account. However, Wells Fargo denied the claim and has not successfully recovered the funds despite being notified immediately. We are requesting that Wells Fargo escalate the recovery request through the XXXX XXXX and contact XXXX XXXX to request the return of the funds from the recipient. Because this was a clear accidental transfer and reported immediately, we are asking for assistance in recovering the funds. I would also like this complaint to include concerns regarding the customer service I received while attempting to resolve this mistaken XXXX transfer. On XX/XX/XXXX between approximately XXXX XXXX and XXXX XXXX, I spoke with a representative in the Wells Fargo fraud department regarding this case. During the call, I expressed frustration about the situation and the loss of {$2400.00} due to a one-digit error. The representative abruptly disconnected the call while I was still speaking. The interaction felt unprofessional and left me concerned that my case was not being handled fairly. Shortly after this interaction, the claim was denied. Because Wells Fargo records customer service calls, I am requesting that the bank review the call recording from the fraud department during that time period on XX/XX/XXXX to determine whether proper customer service procedures were followed and whether my case was evaluated objectively.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo branch manager refused to close my safe deposit box and refund key deposit and pro-rated rent. I contacted customer support and they finally closed the box but failed to issue entitled refunds. I experienced this practice at two different branches ; XXXX in XXXX XXXX, NV and XXXX in XXXX, NM. The Nevada branch finally refunded my deposit and fees. However, the New Mexico branch has not. The branch manager there stated she would NOT comply with closure or refund because she didnt like the way I spoke to her.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Block, Inc.
State: MO

Complaint narrative:
In XX/XX/2026, Cash App reduced my Overdraft Coverage limit from {$150.00} to {$50.00} without sending any required notification by text, email, or inapp alert. Cash Apps Terms & Conditions state that any changes to a customers overdraft limit will be communicated to you. I received no communication of any kind. I contacted Cash App Support multiple times to request an explanation for why I was not notified, when the change occurred, and whether this was a system error or policy change. Support told me the reduction was part of a systemwide update, but they still did not explain why the required notification was not sent. They then closed my case and stated they had provided a final response, even though my core question about the lack of required notice was never addressed. This change affected my ability to access funds, and Cash App did not follow its own stated Terms regarding notification of overdraft limit changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
On Monday, XX/XX/XXXX, a Wells Fargo representative contacted me by phone to deliver a final determination on my fraud claim. The representative spoke in a raised and hostile tone, contradicted prior explanations given by Wells Fargo, and provided inconsistent information about the banks investigation. Another adult was present in the vehicle during the call and heard the representatives tone and statements. The representative was not aware that a witness was present. The representative delivered the denial verbally while I was driving, despite the sensitive nature of the matter and despite my prior preference for written communication. No written determination had been provided at the time of the call. This interaction created confusion about Wells Fargos process, the accuracy of the information being communicated, and whether the bank followed required procedures for handling fraud victims. I am requesting CFPB review of Wells Fargos conduct, communication practices, and handling of my fraud 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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My Citibank checking account has been frozen for about XXXX months due to a fraud review. The issue started after I deposited my paycheck. Citibank requested identity verification and I provided my Social Security number, California ID, and XXXX XXXX. I called Citibank many times and also visited XXXX branches in XXXX XXXX ( XXXX XXXX and La XXXX ) to try to resolve the problem. The branch manager in La XXXX contacted the fraud department while I was there, but the issue was still not resolved. Citibank told me I needed to change my phone number so it is registered under my name. I followed their instructions and updated my phone number as requested. Even after doing this, my account remains frozen and I still can not access my money. I have tried for several months to resolve this issue but I have not received a clear explanation or timeline. I respectfully request that Citibank complete the fraud review immediately and either restore access to my account or release my funds.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliphant United, Inc.
State: GA

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
requested validation They did not provide documentation The account should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I entered into an investment arrangement with an individual named XXXX involving luxury XXXX watches. XXXX represented that he could obtain Rolex watches and resell them for a profit, promising me a return of {$13000.00} per watch. Based on these representations, I wire transferred funds to a jeweler located in Florida as instructed. I completed XXXX separate wire transfers of {$60000.00} each, for a total of {$120000.00}, for the purchase of XXXX watches as part of this investment arrangement. After the transfers were completed, the jeweler released the watches directly to XXXX. I never received the watches or any documentation confirming that the watches were transferred to me. XXXX now has possession of the watches that were purchased with my funds. I have not received the watches, the promised profit, or reimbursement of my {$120000.00} despite repeated requests. I believe I have been the victim of fraud involving misrepresentation and wire transfers related to the purchase of XXXX watches.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX To : Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, Jefferson Capital Systems I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Jefferson Capital Systems XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: NE

Complaint narrative:
On XXXX XXXX XXXX XX/XX/year> I have been charged a {$15.00} fee. I looked into my account and seen that this has been a reoccurring fee on my account. Wells Fargo changed their fee systems and is charging their clients for not having {$1500.00} in their accounts monthly. I did not receive this change via mail or email. I also did not consent to these fees. This is a violation of the law to not provide documents to me and other clients who use Wells Fargo. Withdrawing from my account making my account negative could had ended in more fees if I had t checked my account. Im paid monthly so my deposits are not set up with account and I make sure to personally deposit an amount that will pay my bills for the month. This would be a huge lawsuit for not informing their consumers as well as stealing money out of consumers accounts without consent.

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 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This debt is not mine and I tried to get this resolved by reaching out and also by disputing these charges. After multiple unsuccessful attempts, I just waited the XXXX years for it to drop off on its own. However, after dropping off it is now right back on my credit report with a new more recent date. Inaccurate date in an attempt to affect my credit for another XXXX years. This of totally unacceptable and after speaking to a credit professional, he confirmed that this is not right and should be disputed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
The account was opened XX/XX/XXXX. XXXX : Balance owed on the account was {$370.00} XX/XX/XXXX XX/XX/XXXX : Payments were made towards the {$370.00} Balance owed. XXXX XXXX Fraudulent charges started increasing my balance owed. XXXX XXXX Made several attempts to contact XXXX with no resolve. The account has been open for more than 12 months with statements sent to you. - XXXX would not let me close my account to stop the fraudulent charges from happening because there was balance due on the account due to the unauthorized charges. You authorized, participated in, or benefitted from the purchase activity. Payments have been made by you on this account. - I authorized, participated in, or benefitted in the purchase activity PRIOR to XX/XX/XXXX, and in good faith was making payments towards my original balance {$370.00} - All payments stopped in XX/XX/XXXX due to the unauthorized charges to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I requested an account closure on XX/XX/year> and was told a check for my balance was being mailed. The account remains open and active on my portal, and I have not received the closure letter or the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
I just want to pay less because XXXX paying to much XXXX this car is not worth it

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Asked for validation of debt from portfolio recovery and they did not provide information to verify debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I file this formal complaint Re : Portfolio Recovery ending in XXXX. The balance listing on statements sent via XXXX for {$580.00} is inaccurate. The discrepancy is due to account was sold to Portfolio Recovery, but for how much? I was informed it was sold to Portfolio Recovery XX/XX/year> but I have no information regarding how much it was sold for. How can this account be sold but yet my credit reports nor the statements I receive reflect the calculated amount after the sale. I have requested the actual amount with no reply. I want the item removed from my credit reports for inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX banned me and they won't let me appeal. Please close my account then. I am requesting for my XXXX account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX CASH APP TEAM took possession of my Vault. Their job was to deliver my Vault to me at my home. Instead I received dates and times but Cash App Team NEVER delivered my Vault. I was told by Cash App Team I had to pay {$18.00} for PRIORITY DELIVERY. I paid the {$18.00} on XX/XX/XXXX All of this took place starting last week beginning XX/XX/XXXX. Cash app team and Cash App agent quit texting and emailing me with any information on XX/XX/XXXX. I continued to email to Cash App Agent and no response!! Last I know Cash App Team has my PROPERTY. I told Cash App Team that I would be filing a police report bc I had no information about the whereabouts of my Vault. They ( CASH APP TEAM ) were rude and didn't have the courtesy to do what they told me they were going to do, and that was to deliver my vault on XX/XX/XXXX. I had no choice but to contact the Sheriff 's office. I did not know who or where my Vault was. Incident Report : XXXX This is not a game! I am furious! I want my Vault delivered to me EXPEDITIOUSLY THIS WEEK!!! I want a refund of the {$18.00} for " PRIORITY DELIVERY '' that never took place! My evidence is of their texts to me enclosed with my complaint.They fully understood what they were doing. Or not doing!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I received three Barclays XXXX XXXX in the mail within a week : XX/XX/XXXX, and XXXX, XXXX. I was not able to activate any of the three cards and not able to access my Barclaycard account online to pay the bill. The bill was due on XX/XX/XXXX. I called them at least three times to resolve the problem to no avail. Please see the two letters I sent to Barclays in the attachment along with other documents. I have been a member of the BarclaysXXXX XXXX since XXXX, and I have never missed a payment until now.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates ( PRA ) is reporting a credit card debt from XXXX XXXX that is inaccurate and unverifiable. I requested full validation, including chain of title and original account documentation, but PRA only provided partial statements and a generic bill of sale. XXXX XXXX confirmed they no longer report this account, and PRA is now responsible. PRA reports the account incorrectly to the credit bureaus : wrong account type ( installment vs. credit card ), inconsistent status ( open vs closed ), and a balance of {$1500.00} without proper verification. PRAs internal records even flag this account as Legal Prohibited, yet they continue reporting it. I have disputed this multiple times with PRA and the credit bureaus, but these errors still remain. I request that PRA either fully validate the debt or remove it from all credit reports and correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
so I spoke to a Truist bank representative about my car loan with them. At the time my bank account accounts and emails were compromised due to my accounts somehow being hacked and Social Security along with email addresses placed on the dark web. Once I relayed this information to one of the loan representatives that work for Truist, I was informed that my payment for the month of XXXX XXXX would be deferred until I got the situation sorted, which was clearly incorrect. My credit report shows I have a late payment even though Ive always been known & had a history of paying my auto loans on time, early, or sometimes even in double payments. I would like this late occurrence removed from my credit history. The dates that mention I was late was from XXXX up until the end of XX/XX/year>.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
I am a documented XXXX XXXX XXXX. Santander repossessed my vehicle and failed to return my personal property promptly and at no cost. I had to pay for an XXXX to retrieve my items. Some personal documents and private health information appear to be missing. I had notified Santander of my XXXX XXXX XXXX status. The repossession occurred on the same day as my eviction hearing. Account Number : XXXX I request : 1. Reimbursement of XXXX costs 2. Full inventory and return of all personal property and health records 3. Confirmation that no sale will proceed without proper notice This has caused significant hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
I paid my final bill to XXXX XXXX, XXXX as requested. They then sent a bill for an early termination fee, but I have no contract. I asked for verification of this and they provided none. I advised that I was not liable for this bill and they sent it to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation