vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Good day, I am writing regarding a collection account that I do not recognize and have not authorized. This alleged debt is unverified and does not belong to me. Despite this, I have been subjected to repeated and aggressive communications, including threats of legal action, which I find completely unacceptable. This situation has caused significant stress and emotional distress and has negatively impacted my peace of mind. As a law-abiding consumer, I believe my rights are being violated by the continued reporting and collection attempts related to an account that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am currently an active XXXX XXXX XXXX debtor, and Navy Federal Credit Union violated the automatic stay protections under federal bankruptcy law by debiting {$350.00} from my account on XX/XX/XXXX, in an attempt to collect on a debt included in my bankruptcy filing. This withdrawal was unauthorized and relates to a prior disputed transaction that had already been investigated and resolved in my favor. In XX/XX/XXXX, Navy Federal previously withdrew the same amount and improperly applied it toward a charged-off auto loan account. I disputed that transaction because I never authorized those funds to be used toward the auto loan. Per my agreement with a Navy Federal representative during a recorded telephone conversation, the funds were only intended to address my negative checking account balance and were never authorized to be transferred to the charged-off auto loan account. After review and investigation, Navy Federal determined the transaction had been handled incorrectly and reversed the withdrawal, returning the funds to my checking account in accordance with the original agreement. Despite this prior resolution, Navy Federal re-debited the exact same amount of {$350.00} on XX/XX/XXXX, while I am protected under Chapter XXXX bankruptcy. The institution is now falsely insinuating that the prior refund was issued in error, even though the matter had already been investigated and corrected months earlier. I believe this action constitutes : A violation of the automatic stay under XXXX XXXX XXXX protections ; Unauthorized electronic withdrawal activity ; An improper attempt to collect a XXXX or protected debt ; Misrepresentation of a previously resolved dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 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: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I am submitting a complaint regarding Wells Fargos handling of a fraud dispute involving my credit card account. Wells Fargo denied my fraud claim and subsequent appeal despite substantial third-party evidence demonstrating that I was physically present in the United States during the period in which the disputed transactions occurred in XXXX. The disputed transactions occurred primarily in XXXX and XXXX between XX/XX/year> and XX/XX/year>. I did not authorize these transactions. In support of my appeal, I submitted extensive corroborating records showing my physical presence in the United States during the disputed period, including flight and travel records, Airbnb lodging records, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX records, rafting participant records, and contemporaneous social media documentation. The XXXX XXXX XXXX XXXX specifically show that I was the trip leader on a remote XXXX XXXX XXXX expedition from XX/XX/year> through XX/XX/year>. During portions of this trip I was in remote wilderness areas with extremely limited or nonexistent connectivity. Despite this evidence, Wells Fargo denied both the original dispute and my appeal while providing only conclusory responses. The bank did not meaningfully address or reconcile the contradictory evidence I submitted demonstrating my presence in the United States during the disputed transaction period. Wells Fargos denial appears to rely primarily on transaction authorization metadata associated with the card. However, the bank did not explain how it reconciled that metadata with the substantial independent evidence showing I was physically located in the United States during the same timeframe. Additionally, I received inconsistent correspondence from Wells Fargo dated the same day XXXX communication stated that Wells Fargo was continuing its research, while another stated that the investigation had already been completed and the claim closed. I am requesting reimbursement of all disputed amounts re-posted to my account, together with any associated interest charges, finance charges, fees, and other costs resulting from Wells Fargos denial of the fraud claim. I am also requesting a meaningful supervisory review of the evidence previously submitted.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
On XX/XX/year>, I visited the XXXX XXXX Citizens Bank branch to make a deposit. During that visit, a teller asked me to enter my PIN. I explained that I did not know it, but she instructed me to try. I entered it once unsuccessfully. The teller then verified my identity using my drivers license and completed the transaction. She also told me that if I returned with my phone, I could be helped in setting up my PIN. Later, when my daughter attempted to use my debit card with my permission, the transaction was declined. I returned to the branch to resolve the issue. At that time, I was assisted by a different employee, who I later learned was the branch manager. During that interaction, I was informed that my account had been locked due to an incorrect PIN entry. I attempted to explain that I had entered the PIN at the direction of the earlier teller and requested help setting up my PIN as previously offered. I was repeatedly interrupted and not allowed to fully explain. I also requested to speak with another employee several times but was refused. As a result, I was prevented from resolving an issue affecting access to my account. The branch manager then escalated the situation by raising her voice and repeatedly shouting at me to leave in front of other customers, stating that I was not allowed back. Before I left, she stated by yelling that my account had been unlocked, but I was still ordered to leave and was subsequently issued a no-trespass notice. I only learned after leaving the branch that the individual involved was the branch manager. I also want to note that I have diagnosed conditions including ADHD and narcolepsy, which can affect my ability to process information and communicate clearly under stress. When I am confronted or overwhelmed, I may have difficulty finding my words and may begin to stutter. During this interaction, I was feeling overwhelmed and was not given a reasonable opportunity to explain or resolve the issue. Sadly, I was provoked and her behavior led me to scream and swear very loudly at her, while I was leaving, which was unacceptable and embarrassing. Afterward, I attempted to file a complaint on Monday, XX/XX/year> with the XXXX branch. I was told I would receive a follow-up call but did not. When I called back the same day, my call was disconnected. I ultimately had to contact another branch to ensure my complaint was submitted. What I want : A formal review of the branch managers conduct A written explanation of the no-trespass order Confirmation that I can access my account at other branches Assurance that my complaint is properly handled and responded to Consideration of removing the no-trespass order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Hello, I am filing a complaint regarding a denied fraud dispute involving a XXXX gift card handled by InComm. This card was given to me as a birthday gift. After activating the card, I only used it once for a purchase at XXXX. A few days later, I attempted to use the card again and it declined, even though I knew there should still be money remaining on the balance. When I checked the transaction history online, I discovered an unauthorized charge for approximately {$120.00} from XXXX. I did not make, authorize, or benefit from this transaction in any way. I do not shop on XXXX and have never used this card on that website. I immediately reported the fraudulent charge and submitted a dispute. However, my claim was denied without a clear explanation as to why the transaction was considered authorized. I appealed the decision because I genuinely believe my card information was compromised or stolen. This situation has been extremely frustrating because I was simply trying to use a birthday gift card responsibly and instead became the victim of unauthorized activity. I am requesting that this matter be reviewed again and that the company provide a detailed explanation and reconsideration of the denied claim. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: OK

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 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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Reason for Restriction I am requesting a detailed explanation for why my account was placed under restriction immediately after approval, despite completing identity verification requirements. XXXX. Internal Findings Please provide any internal notes, flags, or risk indicators that led to this decision. 3. Verification Review Confirm whether my submitted identity and residency documents were reviewed, and explain why they were deemed insufficient if that is the case. 4. Timeline & Process Provide the exact timeline of actions taken on my account, including when the restriction was applied and reviewed. 5. Resolution Path Clearly state what specific actions are required from me to remove the restriction, or confirm if no resolution will be provided and why. 6. Access to Funds / Credit Explain why I was granted a credit line but denied access to it immediately, and whether this practice aligns with your internal policies and federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
I am filing this complaint against Wise for gross operational negligence regarding a {$770.00} payment ( Transfer ID : XXXX ). The Timeline of Negligence : 10-Day Hold : Wise held my business funds for 10 days while my identity verification ( Passport under renewal ) was pending. I provided official proof of the renewal process. Explicit Warnings : During these 10 days, I filed XXXX formal complaints ( Ticket XXXX and Ticket XXXX ). I specifically warned Wise multiple times that the sender had already received my services and was no longer responding. I explicitly requested Wise NOT to refund this specific payment as I feared a fraudulent reversal. The Failure : Despite two active investigation tickets, Wises automated system ignored my human-filed warnings and processed a refund on XX/XX/year>. This refund was sent back to a sender whose account was reportedly blocked/closed by XX/XX/XXXX. Post-Refund Negligence : I contacted Wise support within XXXX minutes of the refund to stop the process. They failed to act, later claiming the " system '' handled it automatically. The Dispute : Wise is now using " internal policies '' to evade responsibility, telling me the " sender is responsible '' for a refund that Wise initiated against my written instructions. One department tells me the funds are safe, while another sends harsh emails stating they cant help. Refunding a payment that is the subject of two active, open dispute tickets is a systemic failure. Wise has effectively pushed me into a financial loss by sending my revenue into a " deadlock '' in a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts are appearing on my credit report that I did not authorize and have never managed. This information is inaccurate, misleading, and completely unacceptable. I take my credit profile seriously, and the presence of these unauthorized accounts has caused significant concern. I need immediate clarification regarding how these accounts were added and who is responsible for reporting 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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I took out a personal installment loan that included an autopay arrangement with a 0.25 % interest rate reduction. After reviewing my account history and monthly statements, I noticed my APR is shown as 17.74 % on most statements, but 17.49 % on only a few. The company did not clearly explain when this change occurred, why it appears inconsistently, or whether the autopay discount was continuously applied. I requested detailed servicing records, including : * the dates my autopay was active * when the 0.25 % APR discount was applied and removed * an explanation for the inconsistent APR shown on statements * a full payment history showing how payments were applied to principal and interest * a complete servicing history showing any rate changes or adjustments In response, I only received standard account statements. The company did not address my specific questions or provide a clear explanation of the APR discrepancy or autopay discount timeline. I am still requesting full servicing records and a clear accounting of how my interest rate, autopay discount, and payment applications were calculated and applied over the life of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: CA

Complaint narrative:
I was contacted by an individual claiming to be an employee of the Wells Fargo Fraud Department. Under the false pretense of 'securing my account ' from an active threat, the individual fraudulently induced me into a XXXX XXXX screen-sharing session to gain remote access to my device. While under their direct supervision and believing I was following official bank security protocols, I was instructed to transfer funds from my Wells Fargo account to XXXX XXXX and subsequently convert those funds into XXXX. I did not intend to purchase XXXX for personal use or authorize a third-party transfer ; rather, I was acting as a proxy under the perpetrator 's direction. Once the funds were converted, the perpetrator utilized the remote access to finalize an unauthorized transfer of the assets to an external wallet. This was an unauthorized Electronic Fund Transfer ( EFT ) facilitated by impersonation and deceptive technology. I have saved a screenshot of the XXXX XXXX session as evidence.

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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
Account put on restriction. Was asked to submit identification and selfie to verify identity. Submitted my government issued state ID at least 10x successfully through the link that was sent to me by chime. They then proceed to tell me they cant lift the restriction and when I have access to my ID and a working phone to call back and proceed to hang up on me every time. Ive called about 25+ times for two weeks now. I have had no access to my app or my funds!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX where my check was not deposited until XXXXXXXX XXXX. which shows on my receipt. I went to cash my check during normal business hours after earning my hard earned income from working my job, and the bank teller says your check has been placed on hold. They told me that since i didnt have as much as the check was in my account balance there is a hold until fifth third bank releases the funds to them. This is banking with Huntington bank. They told me to give it until the morning since im not a new customer and they would release half the money. The Money was posted to my bank account and now XXXX still cant access a single dollar. It is XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I disputed charges totaling approximately {$1900.00} related to cosmetic procedures purchased abroad because significant portions of the agreed services were not provided as represented at the time of purchase. During my visit, I remained at the clinic for several hours waiting for the primary procedures I had agreed to purchase. Instead of performing those services, the clinic provided other treatments that were represented to me at the time as complimentary while I was waiting. When I later requested a breakdown of the charges and attempted to resolve the issue regarding the unperformed services, the clinic changed its position and attempted to treat those previously complimentary treatments as billable services. I was also told that itemizing the charges differently would allegedly result in even higher costs, making it difficult to obtain a clear and consistent accounting of what services were actually performed versus what services were originally purchased but never rendered. I attempted to resolve the matter directly with the merchant and later through American Express. However, American Express denied the dispute after categorizing the matter as a tort/personal injury issue rather than investigating it as a billing dispute involving services not rendered and inconsistent billing representations. Again I'm not claiming any medical injury, just want refund on what I never received. They make you pay before they start any treatments.

Company response to consumer: Closed with explanation