vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo regarding Claim # XXXX. I am a victim of s sophisticated Social Engineering Scam. My account was compromised, and I was induced to transfer {$5900.00} via XXXX XXXX. I am disputing Wells Fargo 's decision to deny my claim for the following reason : 1. New Evidence from Beneficiary Bank : I have received official notification from XXXX ( the receiving banks in XXXX ) confirming that the recipient 's account is fraudulent. The bank officially stated they " can not contact the recipient, '' which confirms the recipient has unreachable ( fled ) after the fraudulent transaction. This is a clear indicator of criminal activity that Wells Fargo ignored. They have failed to protect me under the spirit of Regulation E regarding induced fraud. 2. FBI Involvement : I have already filed a report with the FBI 's Internet Crime Compaint Center ( IC3 Complaint ID : XXXX ) 3. Induced Fraud : Wells Fargo denied my claim simply because the transaction was " authorized '' by me. However, they failed to consider that this was " Induced Fraud '' via social engineering - a category that current CFPB guidance urges banks to investigate more thoroughly to protect consumers. 4. Financial Hardship : As a student, this loss of {$5200.00} has caused me severe financial hardship, affecting my ability to pay for essential living expenses. I have official evidence from XXXX XXXX confirming the fraud. I am unable to upload the file due to technical issues on this portal. Please contact me via email so I can provide the documents immediately.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
1. What happened? Bank of America closed my account and stated that the remaining balance would be sent to me by check. I did not receive the check containing my remaining funds and was instructed by Bank of America representatives that I would need to wait approximately 120 days before a stop payment or any resolution process could be initiated. During this period, I repeatedly contacted Bank of America seeking clarification and possible expedited resolution. I was informed by a Bank of America representative, including an Assistant Vice President in Wealth Management Client Care, that after the 120-day waiting period, I could request expedited shipping and tracking for the replacement or reissued check. I relied on this information and waited the full 120-day period. After the waiting period ended, I was then informed by customer service that expedited shipping and tracking would not be available. As a result of the extended delay in receiving my funds, I experienced financial hardship, including difficulty making timely rent and tuition payments. This delay also contributed to negative impacts on my credit and increased financial strain as a student relying on these funds for essential expenses. The issue is not only the delay in receiving my account balance, but also the inconsistent and conflicting guidance provided by Bank of America representatives regarding the resolution process.

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 2026-04-21 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: CITIBANK, N.A.
State: IN

Complaint narrative:
Trying to add card to XXXX XXXX it wont add, and says contact issuer. I have spent over 10 hours with various Citi support reps in tech support, digital wallet support l, and fraud and no one has been able to fix the issue. I experience the same conversation every time. Once I was told to wait a month because they were trying to figure out a new feature and thats why it wouldnt load. I waited a month and still doesnt work. Contacted again today and have spent 45 minutes with three different reps and they cant get it to work but wont send me to someone on the technical back end who can resolve it. I have wasted over 10 hours explaining the same problem to Citi reps in order to complete a process that should take 30 seconds.

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 2026-04-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express XXXX XXXX gifted by work to me worth {$50.00} Initially had trouble activating gift card. Eventually gift card was activated by the company. I have tried using this gift card at XXXX, XXXX, XXXX, XXXX XXXX, and XXXX and all of them refuse the transaction saying the card company refused payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX garness my wages from my employer and did not contact me my jobs said they had information from this complay to take {$1600.00} out my pay. so they did and i callled miland credit about it. my job told me that XXXX XXXX have not told me any thing in writing. my accout was withj union pluse credit card. XXXX XXXX bougth debt. and i did not get nothing on matter the garndess my wades. on matter. XXXX XXXX took XXXX from my pay roll, my concern is that XXXX XXXX did not contact me at all. i called the XXXX XXXX XXXX, they informed me that a XXXX XXXX from XXXX them that debt, is do i mean not no contact me in matter. court or zoggs wrote cout records they he went to address XXXX XXXX XXXX in matter. no ever talked i contact me in this matter. all information was given wrong. please help because XXXX XXXX was wrong,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
b'Wells Fargo dropped the backing of the XXXX XXXX Card, which I use to pay rent.\n\nDetails on the transfer period: "After submitting a request, the transfer to the new card will be finalized within 3-5 business days. A temporary hold equal to the balance as of XXXX XXXX might appear on the account, which will be updated by XXXX XXXX XXXX. The final balance will be reflected by XXXX XXXX XXXX.\n\nTimeline\n\nXXXX - XXXX Rent charge on card (normal) - Account Balance: $XXXX Account Balance: $XXXX Account Balance: $XXXX - My Payment - Account Balance $XXXX - Wells Fargo takes an unauthorized duplicate payment - Account Balance (-)$XXXX - I contact Wells Fargo. Confirmation that I will be issued a refund check within 14 business days.XXXX - Credit Refund processed to my account. - Account Closed and balance now $XXXX - Expected delivery of check passed. Check Never received. Call again. Cancellation of first check and issuing second check.XXXX - Expected delivery of second check passed. Check Never received. Call again. Informed original check was still being processed, and they hadn\'t sent the second one yet. Given a 7-14 business day window for new check to arrive.XXXX - Expected delivery date of second check passed AGAIN. Call AGAIN. Told I was not home to receive check which attempted delivery on XXXX. Told they would reissue the check and send me a text notification with a now 28-DAY delivery window. \n\nI have informed delivery from USPS. I was never notified that the check was arriving on that day. If a mail piece is to be signed for, I should have been notified that it was waiting for me at the post office. No notice was there.'

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im filing this complaint because there are collection accounts showing up on my credit report that are not mine. I keep a close eye on my credit, and these accounts suddenly appeared without my knowledge or permission. I never approved or had anything to do with them, and its frustrating and unacceptable to see wrong information reported under my name. This needs to be investigated and fixed right away.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
" I am filing this second complaint because Chase Bank has illegally withheld {$21000.00} from my merchant funds and is refusing to provide any legal justification. The Facts : My account was closed with a balance of {$88000.00}. Chase issued a check for only {$67000.00}, leaving a deficit of {$21000.00}. Chases official XX/XX/year> statement ( Page 1 & 3 ) falsely reports that the full amount was 'Transferred, ' which is a direct falsification of financial reporting. I recently contacted the Chase team and was told that the Collection Department seized these funds due to an 'outstanding balance. ' However, the bank refuses to provide an itemized invoice, a debt validation letter, or any documentation proving this debt exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding a {$10000.00} loss resulting from a scam that involved transactions through Wells Fargo, XXXX XXXX, and XXXX. On XX/XX/year>, I was contacted by an individual impersonating a fraud representative from Wells Fargo. I was instructed to move my funds in order to secure them, which led to transferring money from my bank account into XXXX XXXX and then into XXXX. Although I technically authorized these transactions, I did so under fraudulent inducement while actively being deceived by someone posing as my bank. The transactions were highly unusual in nature, involving a large amount of money being rapidly moved across multiple platforms. Despite these clear red flags, Wells Fargo did not : - Flag or pause the transactions- Provide warnings or intervention - Take steps to verify the legitimacy of the activity As a result, the funds were transferred out and are now unrecoverable through standard channels. I am requesting that Wells Fargo be held accountable for : - Failure to detect and prevent suspicious activity - Failure to implement adequate fraud protection safeguards - Failure to intervene during a high-risk transaction scenario This loss has had a significant financial impact on me and my family. I am asking for assistance in investigating this matter and pursuing reimbursement of the {$10000.00}. I am able to provide supporting documentation, including transaction records and communication details. Thank you for your attention to this matter. Sincerely, 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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I sent several certified letters XXXX XXXX and XX/XX/XXXX, Ive asked for proof of ownership, bill of sale, an agreement with my signature, Ive asked for all kinds of documents and all they have sent was one statement for each account they are trying to collect on all from XXXX and seems to be duplicate accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
CBE GROUP I am requesting validation of the alleged debt you claim I owe in the amount of {$690.00}. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), please provide the following : - Original creditor name and address - A copy of the original signed contract or agreement - Full account history including all charges and payments - Proof that this debt has been assigned or sold to your company - Proof that you are legally authorized to collect this debt - Verification that the amount reported is accurate If you can not provide proper validation, you must : 1. Cease all collection activity 2. Remove this account from all credit reporting agencies Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: NH

Complaint narrative:
I got a personal unsecured debt consolidation loan to pay off 4 credit cards. They sent one of the payments to the wrong credit card company and now I have to still pay the cards off, I have a credit with one credit card company that I cant get back, and I now have to also pay the consolidation loan. They told me I had to call the credit card company to fix this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a follow-up complaint regarding Citibanks handling of two unauthorized transactions on my account : XXXX XXXXXXXX ( {$2500.00} XXXX XXXX XXXX XXXX XXXX, dated XX/XX/year> ) XXXX XXXXXXXX ( {$1000.00} XXXX XXXX, dated XX/XX/year> ) In my prior complaint, I requested that Citibank properly investigate these transactions as unauthorized ( card-not-present fraud ). Citibank has now responded and acknowledged that the transactions are being treated as fraudulent, stating that the account will be security closed and the charges flagged as fraud. However, despite acknowledging the transactions as fraudulent, Citibank has refused to issue any reimbursement or credit for these charges. This creates a clear inconsistency. If the transactions are recognized as unauthorized, it is unclear why I am being held financially responsible. Citibank has not provided a clear explanation of how liability was determined or why reimbursement is being denied despite classifying the transactions as fraud. Additionally, the transactions were completed using a stored payment method without step-up authentication such as CVV re-entry, one-time passcode, or 3D Secure verification. There is no evidence demonstrating that I, or any authorized user on the account, participated in or authorized these transactions at the time they occurred. Citibanks response does not address the substance of the unauthorized use, nor does it explain how their determination aligns with consumer protection expectations for unauthorized transactions.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
Company : Coinbase , Inc . COMPLAINT : I am the victim of a coordinated cyberattack on or around XX/XX/year> in which my Coinbase account was compromised and approximately {$46000.00} in cryptocurrency was stolen. The following describes the sequence of events and Coinbase 's failures : SEQUENCE OF EVENTS : On XX/XX/year>, an unauthorized party gained access to my Coinbase account and executed the following transactions in rapid succession : - Wrapped and converted approximately XXXX XXXX to {$5800.00} XXXX, then sent it to an external wallet - Wrapped and converted approximately XXXX XXXX to {$40000.00} XXXX, then sent it to an external wallet - Total stolen : approximately {$46000.00} Following the theft, the unauthorized party deleted my Coinbase account without my knowledge or authorization, destroying records and eliminating my ability to access transaction data needed for law enforcement. Coinbase 's FAILURES : 1. Failed to prevent unauthorized access despite two-factor authentication being enabled on my account 2. Allowed a rapid series of high-value conversion and transfer transactions without triggering fraud alerts or requiring additional verification 3. Failed to freeze or investigate the account despite highly suspicious transaction patterns 4. Allowed an unauthorized party to permanently delete my account, which should require verified owner authorization 5. Failed to provide meaningful assistance or cooperation when I reported the theft I have filed a police report ( Case No. : XXXX ) and an FBI IC3 complaint ( No. : XXXX ). Desired Resolution : I am requesting that Coinbase restore or provide full records of my account and all transactions, provide the destination wallet addresses for the stolen funds to assist law enforcement, and cooperate fully with my ongoing FBI investigation. Complainant : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Complaint Against LVNV Funding LLC Unlawful Credit Reporting and Failure to Provide Required Validation I am filing this complaint against LVNV Funding LLC for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. LVNV Funding placed a collection account on my credit report without ever providing me with a legally required validation notice. I have not received any written communication informing me of the alleged debt, my right to dispute it, or any documentation verifying the obligation. This failure deprived me of my statutory rights under the FDCPA. Despite the absence of proper notice and validation, LVNV proceeded to furnish this account to the credit bureaus. This constitutes the reporting of unverified and potentially inaccurate information in violation of the FCRA. To date, LVNV has not provided sufficient evidence to establish that I am the correct consumer, that LVNV has legal ownership or authority to collect, that the amount is accurate, or that the account is legally reportable. By reporting this unverified account, LVNV has caused harm to my credit profile, negatively impacted my ability to obtain credit, and subjected me to unnecessary financial hardship. Fair Resolution Requested : I request that LVNV Funding LLC immediately delete this account from all consumer reporting agencies due to its failure to comply with federal law. In the alternative, if LVNV claims the account is valid, they must cease all credit reporting and collection activity until they provide full and complete validation, including : Complete account statements showing how the balance was calculated Documentation establishing a clear chain of assignment proving ownership of the alleged debt All account-level records linking me to the obligation Verification that the account is accurate and within the legal reporting period If LVNV Funding can not fully comply with these legal requirements, the account must be permanently removed and no further reporting or collection activity should occur. I also request written confirmation of the actions taken to resolve this matter. If this issue is not corrected, I am prepared to pursue additional regulatory complaints and legal remedies. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation