vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My checking account with Wells Fargo was closed approximately two years ago. However, I continue to receive account activity alerts, which indicates that the account may not have been properly closed or is being inaccurately maintained. Wells Fargo has failed to provide any verifiable documentation proving the validity of this account or any alleged balance. Instead, they sent me an Identity Theft Assistance Kit, acknowledging the possibility that this account may involve unauthorized or fraudulent activity. This situation raises serious concerns about inaccurate account handling, failure to properly investigate, and potential reporting of incorrect information to consumer reporting agencies such as XXXX and XXXX XXXX XXXX. I formally dispute the accuracy and validity of this account and request a full investigation.

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 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a call from the debitors XXXX time XXXX ask them for a settlement amount that they're willing to settle for I didn't tell them that I was the amount off right away I wanted to know if they could work with me due to the extra charges my old apartment complex charged on my account without handling the proper protocols. They then ended up sending the debt to an attorney office office 4 months later stating that I would pay the debt when I had every intention to once they came with a resonable settlement price.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I am writing to formally file a complaint and request immediate action regarding an unauthorized withdrawal associated with an international money transfer processed through Western Union. On XX/XX/year>, I initiated a transfer to my family in XXXX for personal maintenance expenses. As part of my regular practice, I relied on Western Union to complete this transaction. However, when the intended recipient attempted to collect the funds, they were informed that the money had already been withdrawn on XX/XX/year>, at XXXX XXXX in XXXX, XXXX, at a branch located in the XXXX XXXX. This withdrawal was NOT carried out by the intended recipient, nor was the money ever received by them. This situation constitutes a clear case of identity theft and unauthorized access to the transferred funds. The claim number assigned to this case is XXXX, and the corresponding XXXX is XXXX. Despite having contacted your customer service department on more than eight occasions, I have yet to receive a satisfactory response or resolution. It has now been nearly two months without any effective action taken to address this matter. Given the seriousness of this incident, I hereby formally demand : A full and immediate refund of the transferred funds. A comprehensive investigation into the unauthorized withdrawal. Full disclosure of the identity verification process used at the time of withdrawal. Written confirmation of the measures taken to prevent similar incidents in the future. Please be advised that, should this matter remain unresolved, I reserve the right to escalate this complaint to the appropriate regulatory authorities and pursue all available legal remedies. I expect a prompt response and resolution to this matter. thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
METHOD OF VERIFICATION REQUEST ( FCRA 611 ( a ) ( 6 ) ) XXXX XXXX XXXX XXXX. XXXX ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX XXXX, XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Method of Verification Request Account in Question : XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern : I am writing in response to the results of your recent investigation in which you stated that the above-referenced account was verified as accurate. Pursuant to my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a detailed description of the method of verification used to investigate this account. Based on your response, no evidence was provided demonstrating that a reasonable reinvestigation was conducted. A conclusory statement of verified does not meet the requirements of the FCRA. Please provide the following : 1. The name, address, and telephone number of the party or parties you contacted to verify this account 2. The date ( s ) on which such verification was performed 3. The method of communication used ( e.g., e-Oscar, automated system, phone, written correspondence ) 4. Identification of the individual or department that verified the account 5. A description of the documents or records reviewed during your investigation 6. Copies of any documentation relied upon to conclude that this account is accurate 7. An explanation of how this investigation satisfies the requirement of a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) If you are unable to provide the requested method of verification and supporting documentation, then you must immediately delete this account from my credit file pursuant to the Fair Credit Reporting Act. Please also be advised that continued reporting of unverified information may constitute a violation of 15 U.S.C. 1681e ( b ) and 1681i. Failure to comply will result in escalation, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and any other applicable regulatory agencies. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX, my husband, and I moved out of the apartment -- I worked with the GM and Senior Leadership, as the prior property manager was very much overcharging for move-out fees per the lease agreement. The property tried to charge us {$20000.00} to break the lease, vs what is stipulated in paragraph 10 of the Lease. The re-letting charge shows a charge of {$5500.00}. The property came back, offered to settle at {$8000.00}, we said no and received XXXX approval to pay {$4200.00}. ( You will see this reflected in the ledger ) I am filing a complaint regarding inaccurate credit reporting by Pro Collect. The account they are reporting is NOT valid as a collection because it was previously paid and resolved. I have provided Pro Collect with a paid letter and financial ledger from XXXX XXXX multiple times from XXXX to current confirming a XXXX balance. Despite receiving these documents, Pro Collect has refused to correct or delete the account and it continues to report as a collection. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as they are furnishing information they know to be inaccurate. I have attached documentation proving the account was paid and resolved. If this issue is not corrected by Pro Collect, I will pursue legal remedies for willful noncompliance under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Access Receivables of NC Inc.
State: TX

Complaint narrative:
On XX/XX/year>, at XXXX XXXX CT, I had a XXXX telephone conversation with a representative from Access XXXX Management regarding a debt they are attempting to collect. Despite having successfully engaged in a conversation with me, the agency violated the " XXXX XXXX '' under XXXX CFR XXXX ( b ) ( Regulation XXXX ) by attempting to contact me again on the same day. Specifically, they placed a second call at XXXX XXXX CTjust over XXXX hour after our conversationand left a voicemail. Under XXXX CFR XXXX ( b ) ( XXXX ) ( i ) ( B ), a debt collector is presumed to violate the law if they place a telephone call to a person within XXXX consecutive days after having had a telephone conversation with that person regarding the same debt. Their actions constitute a clear presumption of harassment and a failure to maintain internal compliance with CFPB regulations. : I

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
ON XX/XX/year> XXXX AND XXXX XXXX SOLD THE CREDIT CARDS TO CITI BANK. XXXX WILL NOT ANSWER AND CITI HAS NO CLUE,, THEY SAY I NEED A CREDIT CARD TO GO ON LINE BUT THEY HAVE NOT SENT IT. MY XXXX ON LINE IS CLOSED. HOW WILL I VIEW MY PURCHASES ON LINE OR PAY THE CREDIT CARD. PLUS THE NUMBER YOU CALL ASK FOR THE CREDIT CARD INFO AND I DO NOT HAVE IT. FINALLY SOMEONE ANSWER BUT THEY COULD NOT DO ANYTHING. I TOLD THEM I WAS CALLING YOU!

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Request for Debt Validation & Dispute of Account Creditor/Collection Agency : Midland Credit Management Debt : {$1200.00} To Whom It May Concern, I am writing in response to your claim regarding the above-referenced account, which I previously disputed. You indicated that my prior dispute was unsubstantiated. I am formally disputing this debt again and requesting full validation as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt as valid and request that you provide competent evidence that I have a legal obligation to pay. Specifically, please provide the following : A copy of the original signed contract or agreement bearing my signature Documentation showing how the amount owed was calculated The name and address of the original creditor Proof that you are authorized to collect on this debt ( including assignment or transfer documentation ) A complete payment history on this account Verification that this debt is within the applicable statute of limitations Additionally, if you have reported this account to any credit reporting agency, I request that you mark the account as disputed immediately. If you are unable to provide the requested documentation, you must cease collection efforts and remove this account from my credit report in accordance with federal law. Please note that I am requesting all future communications regarding this matter be in writing. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I am filing a complaint against Affirm for incorrectly denying a dispute for loan ID XXXX. I financed a purchase through Affirm for a piece of jewelry that I never received. The package was shipped to a controlled XXXX pickup location, where I was required to present identification and personally sign for it. I never picked up the item. The tracking shows the package was delivered and signed for by XXXX XXXX, who is not me and was not authorized by me. This indicates the package was released to the wrong individual, constituting a misdelivery. I contacted XXXX and attempted to initiate an investigation, but they confirmed the case is closed and will not take further action. I also filed a police report regarding the unauthorized receipt of the package. Despite this, Affirm denied my dispute solely because the tracking status showed delivered, without properly considering that the item was delivered to the wrong person and was never received by me. I have never taken possession of this item. I am requesting that Affirm properly review this case as a misdelivery and non-receipt issue and relieve me of responsibility for this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
This was a part of a previous complaint and debt collector inform that they have removed this off my credit. it is still on the credit profile transunion. I need it to be removed.Status Company responded on XX/XX/year> Response type Closed with explanation Company 's Response Thank you for submitting your dispute with Waypoint Resource Group. Credit Bureaus were updated and withdrawn XX/XX/year> We have also requested validation to be sent to you. To validate the removal we recommend visiting Experian, Equifax, or Transunion. At times third party sites could reflect invalid information. Thank you, XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT. ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.

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 2026-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am a victim of unauthorized account access and fraudulent transactions totaling {$210.00} on my Bank of America checking account ( account ending XXXX ). Three fraudulent XXXX transfers were executed on XX/XX/year> : {$70.00} at XXXX XXXX, {$93.00} at XXXX XXXX, and {$50.00} at XXXX XXXX EST. Bank of America 's own investigative records, provided to me under Regulation E, show that the login session that executed these transactions originated from IP address XXXX in XXXX, Texas. I have never been to XXXX, Texas. Every legitimate login on my account originates from IP address XXXX in XXXX XXXX, New York, where I reside. The same records show earlier attack attempts from XXXX, XXXX on the same day. I have independently corroborated my presence in New York on XX/XX/year> through XXXX account activity, XXXX XXXX XXXX, and bank statements showing New York transactions that day. Despite this evidence, Bank of America has denied my fraud claim three times using identical boilerplate language stating the transaction was completed by " a device consistent with previous valid account activity. '' They have not addressed the XXXX, Texas IP discrepancy in their own records. The claim has been closed without a good-faith review of the evidence I provided. I believe Bank of America has failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act and Regulation E.

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
In XX/XX/XXXX, my Coinbase account was compromised during an approximate XXXX period in which my mobile phone lost all service, consistent with a XXXX swap or mobile account takeover. During this time, unauthorized parties accessed my account without my consent. The unauthorized activity included an XXXX deposit of approximately {$1000.00} from my bank account, conversion of existing cryptocurrency holdings into XXXX and XXXX, and the transfer of approximately {$10000.00} in total assets out of my Coinbase account to external wallets that I did not control or authorize. I did not initiate, approve, or authorize any of these transactions. My devices were in my possession, but my phone service was XXXX during the incident window, preventing access to SMS-based security alerts or authentication codes. I reported the incident to law enforcement in XXXX and notified Coinbase at that time. In XXXX, Coinbase re-engaged the matter and stated that they found no evidence of unauthorized activity. They refused to reverse the transactions and asserted that I am responsible for the activity on the account. Coinbase further stated that I owe a remaining balance of {$890.00} due to a reversed XXXX transaction, and they restricted my account unless the balance is paid. Coinbase did not provide account-level evidence such as login/IP logs, device history, or withdrawal destination information supporting their conclusion. I am requesting that this incident be re-evaluated as an unauthorized account takeover and that the disputed balance be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I requested a meaningful hardship review and clear information regarding available assistance options based on my current financial situation. Instead of providing this, I have repeatedly received the same generic responses from different representatives, including being sent copies of my cardmember agreement by mail, which does not address my requests or provide any resolution. I was also contacted by a representative identified as XXXX XXXX, however the interaction did not result in any meaningful assistance or new information. The call appeared procedural in nature and did not address my hardship, provide options, or move toward a resolution. This reinforces my concern that my account is not being individually reviewed and that responses are being handled in a standardized, non-substantive manner. I also requested clarification on why I do not qualify for hardship, what criteria is being used, and that my communication preferences be honored, including restricting all communication to written correspondence sent to my XXXX XXXXXXXX. These requests have not been properly addressed.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/year> Purchased airline ticket from XXXX for {$870.00} which we charged on our Citibank card. Immediately we received an email from XXXX that their billing dept. had mad an error and charged {$8700.00}, and that already had started process to correct the error and credit it back to our Citibank card. They did not. Right away in XXXX we filed a dispute with Citibank. Citibank ruled in favor of XXXX and said that we are responsible for the {$8700.00}. I have reopened the dispute 5 or 6 times including sending Citibank the email from XXXX admitting their billing error and that they would immediately correct. Each time Citibank ruled in favor of XXXX, even though when I talk to the dispute department on the phone, every person has said that we would not be responsible and they would help us get the credit back. Yesterday I sent a letter to the Executive Office of Citibank, although I have no confidence that it will help.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
I have tried to work with the app chat. I have also called cash app. I'm living abroad. Cash App told me to open a new cash app account so they could merge the old account with the new one. I did so and the account was closed for fraudulent activities. I never used the account for anything other than chatting with support. I filed appeals. The appeals came back unfavorable and final. I have exhausted all effort. I'm totally and permanently XXXX XXXX corps combat veteran and the {$400.00} in my XXXX XXXX cash app account is from my benefits. After I got robbed in XXXX XX/XX/year>. I lost access to XXXX and XXXX associated with XXXX XXXX. I desperately need my money. I'm on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: MI

Complaint narrative:
Money was took from off my cash app four different occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding missing funds totaling {$5100.00} involving both Chase Bank and XXXX XXXX XXXX. Summary of the issue : On or around XX/XX/year>, I deposited Check # XXXX for {$5100.00} into my Chase Bank account. Chase initially accepted the deposit. On XX/XX/year>, Chase marked the deposited item as returned NSF ( non-sufficient funds ). Chase states they do not have the funds. XXXX XXXX XXXX, the originating institution, shows the funds as cleared from my account. As a result, both institutions deny currently holding the money, and my {$5100.00} remains unaccounted for. Despite repeated attempts to resolve this directly, neither institution has provided a clear transaction trace or recovery of my funds. I am requesting CFPB assistance to : 1. Investigate the full movement of my {$5100.00} 2. Require Chase and XXXX XXXX XXXX to provide transaction-level documentation 3. Determine where the funds were transferred after the returned deposit 4. Hold the responsible institution accountable 5. Facilitate immediate recovery of my missing money This situation has caused significant financial hardship, and I believe there has been serious mishandling or negligence in processing these funds. I respectfully request urgent review and intervention.

Company response to consumer: Closed with explanation