vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 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: FL

Complaint narrative:
On or about XX/XX/XXXX, I purchased merchandise from a merchant located in XXXX XXXX, Florida using financing connected to Wells Fargo. The merchandise was never delivered to me despite repeated promises and delays from the merchant. I contacted the merchant multiple times requesting delivery updates and resolution. The merchant continued delaying fulfillment and blamed external events for the delays, but no product was ever received. I disputed the transaction with Wells Fargo because this is a clear non-delivery of goods/services dispute. Wells Fargo denied and/or closed the dispute after the merchant provided a receipt stating all sales are final. However, the issue is not buyers remorse the issue is that I never received the merchandise I paid for. Multiple other financing/leasing companies connected to this transaction investigated the matter and issued refunds or reversals after reviewing the circumstances. Despite this, Wells Fargo refused to properly consider the evidence showing non-delivery. I also have concerns that the item may have been misrepresented and potentially counterfeit. I am requesting that Wells Fargo reopen and properly investigate this dispute as a merchandise-not-received claim and provide reimbursement for the charges associated with this transaction.

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 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I purchased a flight with XXXX XXXX for XX/XX/year>. XXXX XXXX cancelled the flight. I have email confirmation from XXXX with the cancellation and refund amount. XXXX XXXX never refunded me. When I contacted XXXX XXXX they told me they did refund me and capital one didnt release the money. Capital One told me that XXXX never refunded the money and to do a dispute with Capital One. I have done several disputes over the last few months, sending Capital One all of the documents they requested including emails to prove the purchase and cancellation. Capital One continues to tell me that I am responsible for the amount of the flight {$360.00} even though I never received the service, as the flight was cancelled by the airline. XXXX XXXX has now closed. XXXX XXXX is telling capital one that I boarded the flight, they are sending capital one a completely different flight number and date ( for XX/XX/year> ) that I was on. I am disputing a cancelled flight on XX/XX/year> and XXXX is telling Capital One I took a flight on XX/XX/year>- which is a completely different charge, flight number, and departure location. Even though I sent Capital One documents of the cancelled flight for XX/XX/year> they continue to tell me I am responsible based on what XXXX is telling them despite XXXX I providing inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
am disputing recurring charges from XXXX that were billed to my account on XX/XX/year>, XX/XX/year>, and XX/XX/year>, each in the amount of {$7.00}. These charges appeared as recurring payments on my statement. I filed a dispute with Wells Fargo and submitted screenshots and documentation showing the billing history. My bank initially issued a temporary credit but later reversed it and denied my dispute, causing my account to become negative. I attempted to resolve the issue with the bank, but was told to contact the merchant, and the charges remain unresolved.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I called Citi about my Citi AAdvantage XXXX XXXX XXXX XXXX Mastercard. They advertise that the cardholder will earn a {$120.00} flight credit for XXXX XXXX when they spend {$20000.00} in the first year of having the card. They keep telling me that my cardmember year/anniversary of the credit card is XX/XX/XXXX. I spent well over {$20000.00} through XX/XX/year>, which is when my annual fee for the next year was posted.

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 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Re : Disputed charge Case # XXXX Cardholder : XXXX XXXX XXXX ending XXXX Merchant : XXXX XXXX XXXX XXXX {$1600.00} on XX/XX/year> Booking # XXXX I am disputing {$200.00} of this chargenot the full amount. The transaction was for a private XXXX tour totaling {$1600.00}. The merchant 's own confirmation ( already submitted ) itemizes the charges separately, including a " Birthday Celebration Package '' add-on billed as a distinct {$200.00} line item. The tour itself was provided, and I have no complaint about it. The {$200.00} birthday celebration I separately paid for was never delivered. I purchased it specifically because the tour fell on XX/XX/year>, my wife 's actual birthday, and the trip was to celebrate it. I emailed the merchant directly on XX/XX/year> to raise this and request a {$200.00} refund. I received no response. After I opened a dispute, the merchant ( via the platform XXXX ) responded that it is " only a platform '' with no role in what the operator prices or delivers. The dispute was closed in the merchant 's favortwiceon that basis. That response does not address my claim. XXXX processed this payment, presented the itemized add-on at booking, and appears on my statement as the merchant of record. A platform that collects payment for a specifically itemized service is not a bystander to whether that service was delivered. Nothing in either of their responses shows the {$200.00} birthday package was ever provided, because it was not. Partial delivery of an order is not full delivery. I am requesting a refund of {$200.00} for an itemized service that was paid for and not rendered. Supporting documentation showing the itemized charge has already been provided and can be resubmitted on request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I recently clipped a coupon on my Chase Freedom card for 30 % off XXXX when purchased with the card. I did my taxes this year for my business with them and used the card to purchase it directly from the XXXX website. Now, XXXX owns XXXX and, even though I purchased the XXXX product from the XXXX website ( as is clearly shown from the receipt ), it came up on the statement as XXXX. After contacting Chase multiple times and being escalated, they have refused to credit my account, claiming that I purchased the product via XXXX and not XXXX. I keep trying to explain to them that it's impossible to purchase a standalone XXXX product without showing up as an XXXX transaction as XXXX is their product and not a stand alone company. They have refused to listen to reason, thus leading to this complaint. Hopefully you can speak to them and get them to refund their customers that which they deserve as I'm sure I'm not the only one who did not get their credit due to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
XXXX mortgage! We sent a {$120000.00} check to pay off the loan! They havent taken the payment and are saying I still owe them! I paid extra {$130.00}, they said thats it but still havent verified it got paid off! XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NJ

Complaint narrative:
I am submitting this complaint to the CFPB because I am a victim of identity theft and a lawsuit has been filed against me by XXXX, XXXX XXXX XXXX, XXXX on behalf of Midland Credit Management , Inc . The complaint alleges that I owe debts I do not recognize and never authorized. The accounts involved are XXXX XXXX, XXXX. account ending in XXXX with a balance of {$28000.00} and XXXX XXXX, XXXX. account ending in XXXX with a balance of {$6100.00}. I am not the debtor for these accounts ; my personal information was used fraudulently. These accounts were reported to credit bureaus and the lawsuit was filed without my authorization, causing harm to my credit, reputation, and financial opportunities. The reporting and collection actions violate 15 U.S.C. 1681b for furnishing without permissible purpose, 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy, 15 U.S.C. 1681i, and 15 U.S.C. 1692 of the FDCPA regarding proper debt validation. I request that the CFPB investigate this matter, hold the responsible parties accountable, ensure the fraudulent accounts are removed from my credit file, and take appropriate action to vacate or dismiss the lawsuit. This identity theft and the associated lawsuit have caused significant financial and emotional harm. I urge the CFPB to act promptly to prevent further misuse of my personal information and stop these unlawful collection and reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : FORMAL REQUEST FOR INVESTIGATION AND VERIFICATION OF NEGATIVE ACCOUNTS To Whom It May Concern : I recently obtained a copy of my XXXX credit report and discovered several accounts that I dispute. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a reasonable investigation into the accuracy, completeness, and verifiability of the information being reported. I dispute the following accounts : I.C. SYSTEMS COLLECTIONS Original Creditor : XXXX XXXX Account Number : XXXX I am requesting that XXXX conduct a thorough investigation and provide competent evidence that these accounts are being reported accurately. Specifically, please provide : The date the accounts were opened. The date of first delinquency. The complete payment history. The name and address of the original creditor. Documentation bearing my signature establishing liability. Documentation proving the furnisher has the legal right to collect and report the alleged debt. The method of verification used during the investigation. If TransUnion can not provide documentation sufficient to verify the accuracy and completeness of the disputed information, I request that the accounts be deleted from my consumer file immediately pursuant to Sections 611 and 623 of the Fair Credit Reporting Act. Additionally, I request that any inaccurate, duplicate, obsolete, or unverifiable personal information, addresses, telephone numbers, employment information, and account information be removed from my credit report. Please provide the results of your investigation in writing and furnish me with an updated copy of my credit report reflecting any corrections made. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am disputing a transaction of {$990.00} on my PayPal account. PayPal has wrongfully denied my billing error dispute by claiming the transaction was 'authorized. ' However, this transfer was entirely induced by a criminal impersonating a bank representative via phone call and text. Per CFPB guidance on Regulation E ( Electronic Fund Transfers ), transactions induced by financial institution imposters qualify as unauthorized electronic fund transfers. I had no consumer intent to send a payment ; I was manipulated under false pretenses into activating what I was told was a refund link. I have filed an official federal law enforcement report via the FBI XXXX attached. PayPal has failed to execute a reasonable investigation into the fraudulent recipient account and is violating its error-resolution obligations under federal law. Furthermore, the FBI XXXX re ; ort I filed is directly linked to a broader, documented network of complaints targeting other consumers via this exact XXXX imposter scam. The recipient PayPal account used to steal my {$990.00} is a known fraudulent account tied to systemic criminal activity. PayPal is failing its Know Your Customer monitoring duties by allowing this active scammer network to exploit its platform, and must reverse this unauthorized {$990.00} transfer under Regulation E. In addition to denying the claim without a proper investigation, PayPal 's management team has actively avoiding addressing this fraud I was explicitly promised a phone call from a PayPal manager on two separate occasions to discuss this {$990.00} imposter scam. PayPal failed to fulfill both commitments, completely ignoring my request for excalation and leaving me with no internal recourse.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I am submitting this complaint to the CFPB because I am a victim of identity theft and a lawsuit has been filed against me by Pressler , Felt & Warshaw , LLP on behalf of XXXX XXXX XXXX XXXX XXXX. The complaint alleges that I owe debts I do not recognize and never authorized. The accounts involved are XXXX XXXX, XXXX. account ending in XXXX with a balance of {$28000.00} and XXXX XXXX, XXXX. account ending in XXXX with a balance of {$6100.00}. I am not the debtor for these accounts ; my personal information was used fraudulently. These accounts were reported to credit bureaus and the lawsuit was filed without my authorization, causing harm to my credit, reputation, and financial opportunities. The reporting and collection actions violate XXXX U.S.C. XXXX for furnishing without permissible purpose, XXXX U.S.C. XXXX ( b ) for failing to maintain maximum possible accuracy, XXXX U.S.C. XXXX, and XXXX U.S.C. XXXX of the FDCPA regarding proper debt validation. I request that the CFPB investigate this matter, hold the responsible parties accountable, ensure the fraudulent accounts are removed from my credit file, and take appropriate action to vacate or dismiss the lawsuit. This identity theft and the associated lawsuit have caused significant financial and emotional harm. I urge the CFPB to act promptly to prevent further misuse of my personal information and stop these unlawful collection and reporting practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had a Wells Fargo checking account which, when opened, needed to meet certain criteria to no have monthly fees charged for owning this account. XXXX of them was maintaining a balance of at least {$500.00}. I have always made sure there was at least {$500.00} to avoid paying the monthly fee. Fast forward to XXXX of XXXX when I noticed that I have been charged a monthly fee since XX/XX/XXXX. I called Well Fargo customer service to inquire about why I've been charged a fee every month ( totaling {$95.00} ). They told me I did not meet the criteria to waive the monthly fee as they increased the minimum balance needed from {$500.00} to {$1500.00}. I replied that I was not aware of this change and never got a notice in the mail or on the app with my consent to keep this account with the new policies in effect. They essentially said that it was in the fine print in XXXX of the statement before it went into effect. They only agreed to refund {$20.00} despite the fact that I have never been charged any fee prior to this change ( that I wasn't aware of ). These predatory tactics from Wells Fargo appear to " steal money '' from their customers as we were never told to sign and agree with the changes. As a result I closed my account but I believe Wells Fargo needs to be held responsible for such actions that resemble a money scam. An easy way to prevent this would have required customers to sign and return in the mail the policy change or a notifications on the app that would force the customer to physically press a button " I agree with the changes '' after said changes being clearly stated.

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 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: VA

Complaint narrative:
I disputed this with XXXX on XX/XX/year>, requested them to validate debt, provide original contract or agreement, payment history and itemized billing associated with this account and proof of ownership that this company is authorized to collect the debt in question. They haven't provided any validation of this debt and it should be removed under the XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Scott Fetzer Financial Group Inc.
State: IN

Complaint narrative:
XXXX popped up on credit report after i filed for bankruptcy. The date on this debt indicates that If it were mines it would have been included in my bankruptcy. This was an account in which I was an authorized user. I have requested to be removed several times. I never took on this debt and i was never responsible. This company no longer lists a number that I can reach them at and continues to report on my credit report. I was advised by transunion to file a fraud complaint with you guys as well. This is damaging m credit and it is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> I got an email that someone was trying to make a {$53.00} withdrawal from a XXXX XXXX for my Venmo account. I had the card in my possession. My card has been skimmed or scammed at some location. They denied the {$53.00} withdrawal so the guy went through the drive-through got out went inside and tried a lower amount. The {$43.00} and was able to get that once he got the {$43.00} he saw the balance which was the {$200.00} and took out the {$200.00} balance. This is fraud and was fraudulent on my account. When I saw the emails I called you people right away closed down the Card even though I had possession of it went to the police. the police have done everything within their power to help me, went and got a search warrant went to court called me down. I have no idea who the guy is that skimmed or scammed my card and stole the money from my account, but it was fraud and you people are still denying me. Im gon na go to the federal government or the news or media at this point. I agree I am the account holder, I agree I had possession of my card but it was skimmed or scan or the information was stolen. This person went through an atm drive through tried taking XXXX $ out and was denied I got an email telling me this which I reported to you people. In the mean time this thief went into the inside atm took out XXXX $ was allowed saw my balance and then did a separate transaction to take out the rest of the money in my account XXXX XXXX As soon as I saw this I called cancelled my card and filed a dispute and went to the police. Its been over 6 months working with the bank, police and court system and asking for you people to look at this case which you keep denying in XXXX day without even looking at the facts of this case and not returning the money stolen from my account.

Company response to consumer: Closed with monetary relief