vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 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 in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I reviewed my Wells Fargo bank statements and found multiple charges from different states and transactions with the same charge amounts dating all the way back to XX/XX/XXXX. I had never given prior authorization to anyone else to use my card. I never left the city as XXXX XXXX XXXX XXXX XXXX 
In early XX/XX/XXXX, Wells Fargo stated they would investigate, after I went in person to a local branch. In a few days they DENIED my fraud claim and pinned the blame on me saying, " I don't remember. '' I NEVER said this. The fact is I never shopped at or even visited these stores. I only shop and use my card mostly within the city I live in. Wells Fargo never informed me of such fraud. Not even through a letter, call, or text. Most of these charges were done through tap pay which I do not even use as a payment method. How does this bank not notice at least XXXX different charges that are the same amount ( {$45.00} ) and within a few days of each other at XXXX XXXX XXXX XXXX ( $ XXXX {$400.00} )? Not to also mention most of the charges are all in different cities in the same state ( Maryland, Washington DC, South Dakota, Iowa, and Southern California to name a few ). They didn't bother to acknowledge all the other fraud charges within the past half year dating back to XX/XX/XXXX. They only looked at the fraud charges within the past month of XXXX. 
Wells Fargo clearly does not monitor for fraud to protect their clients and does not care about customer losses. Security and customer trust are a low priority for Wells Fargo. Other banks I use inform me almost immediately and even freeze my accounts to protect my funds. I am not surprised I am treated this way from Wells Fargo, which is widely known to have a record full of scandals. 
I have another fraud claim pending that I submitted on the XXXX week of XX/XX/XXXX for all the fraud charges from XX/XX/XXXX to XX/XX/XXXX. My previous denied claim was for XX/XX/XXXX. I'm not sure if they bothered looking over the charges I highlighted as I didn't see them look over each page. The phone conversation with the in person agent and the fraud claim department agent didn't last long enough to relay the months of fraud. I don't have much hope they will look into it. Wells Fargo will probably deny my claim and blame me again.

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 2026-01-23 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
On XXXX I tried to log into my CareCredit account online and a strange message popped up saying they could not locate my account. I spoke to a CSR ( customer service rep ) and they stated it was closed. I said this is erroneous and they need to tell me why. She said something about being high risk. I said absolutely not my account is paid off and I always paid consistently and that I need my account reopened. She said no you have to reapply. I declined and asked her to get someone else on the phone. He gave a list of reasons it was closed and I repeated my stance. I said I am about to have a procedure done which left untreated can be life threatening ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). He said sorry. I then asked him to send me a letter stating why they closed my account.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX 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 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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I have a Care Credit account with Synchrony Financial. Sent a payment through bill pay from XXXX XXXX on XX/XX/XXXX for XXXX. Payment due date is XX/XX/XXXX. This is sent via wire from XXXX XXXX to Synchrony a 2 day delivery is normal. 

Synchrony did not process the payment until XX/XX/XXXX, charging a XXXX late fee. This was due to not processing on XXXX federal holiday. Called to Synchrony and asked to way the fee, since I had another fee waived in XX/XX/XXXX ( issue with XXXX XXXX ), they would not waive the fee due to the XXXX occurrence with it 12 months. 

I feel that a 4 day lead-time for sending the payment was enough time for Synchrony to process the payment before the dues date of XX/XX/XXXX. XX/XX/XXXX was XXXX day, but I dont feel that it is my responsibility that this payment was posted a day late due to a federal holiday. 

I did not win this argument and was accessed the XXXX late fee.

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 2026-01-23 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: VA

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I took a certified check for {$3000.00} from my XXXX account to Truist. I opened a brand new account with Truist on XX/XX/year> with the {$3000.00} certified check. The account was closed out after a day or two without any call to me to notify me of the issue. I received my debit card in the mail for the new Truist account and tried to activate it XX/XX/year> via mobile verification and it kept failing. I tried to log into my online banking and it failed as well. I called Truist and was told the certified check was flagged for alleged fraud. XX/XX/year> was the first time I heard about this issue. I asked them to verify the funds with XXXX because it was a certified check and not a personal check. Truist is holding funds and can not give me any information if they have contacted XXXX to verify the check or funds. They have not provided me any information that is substantial to know when I can withdraw the funds from the account. I was told today there was no timeframe on the investigation and that I can not speak with the Investigator. Even speaking with a Supervisor she did not have sufficient information to provide on the 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 2026-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We received your complaint. Thank you.

We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.

YOUR COMPLAINT In XX/XX/year>, I discovered a fraudulent transfer of funds from my Bank of America account. I immediately reported the issue to law enforcement, who created a report and noted that my account would be placed on hold pending closure and replacement due to the fraud. During the investigation, my phone number was fraudulently ported by the individual responsible for the initial theft. I worked with the Attorney Generals Office, which was able to coordinate with my phone carrier. I later received a formal letter confirming that my number had indeed been ported without my authorization. After this occurred, the fraudster contacted Bank of America, impersonated me, and managed to reopen the compromised account, subsequently transferring funds again. Despite providing law enforcement documentation and the confirmation of the fraudulent port, Bank of America has refused to recognize this as fraud. I respectfully request that Bank of America review the recordings from the calls made to reopen the account and confirm that I was not the caller, nor was I the individual who authorized the transfers. Additionally, I am working with XXXX, which has sent Bank of America the required 609 ( e ) documentation to request information related to the fraud. USPS records show that these documents were successfully delivered, and the fax transmissions were also confirmed. However, Bank of America continues to state that these documents have not been attached to my case. Despite numerous follow-ups, I continue to receive the same response with no progress. I am formally asking the CFPB to assist in facilitating communication with Bank of America. Repeatedly mailing and faxing documents has been costly and time-consuming, and I believe this matter requires a more effective resolution process to ensure my case is properly handled.

As of this date of the complaint, Bank of America has not responded to any of the data that has been provided by XXXX and myself.

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 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX through Coinbases XXXX XXXX for approximately XXXX XXXX. The XXXX balance appeared in my account for one day. On XX/XX/XXXX, the XXXX balance disappeared from my account without any authorization, withdrawal, or security alert. 
Coinbase opened and closed multiple support cases regarding this XXXX issue without providing any resolution or authorization logs. The last open case related to this issue was XXXX # XXXX. In their email response to that case, Coinbase claimed the funds were sent to an external address, but they provided no proof that I authorized this transferno IP address, device ID, location, timestamp, or 2FA confirmation. I did not authorize any transfer. 
I am also a Coinbase XXXX member, which includes priority support, enhanced security protections, and up to {$10000.00} in unauthorized transaction coverage. Despite this, Coinbase did not apply any of these protections and repeatedly closed cases without resolving the XXXX disappearance. 
On XX/XX/XXXX, a second assetmy remaining XXXX XXXX tokens valued at approximately XXXX USDCdisappeared from my Coinbase account without authorization or notification. Coinbase opened internal ticket number XXXX for this issue. 
On XX/XX/XXXX, when I attempted to file an internal complaint through Coinbases platform, the system blocked the submission and provided no alternative method. This is a separate event that occurred after the XXXX XXXX tokens went missing. 
I am filing this complaint to provide the full timeline of both missing assets and to document that Coinbase has repeatedly closed cases without resolution and is now preventing me from submitting an internal complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: KS

Complaint narrative:
I first got a loan with Credit Acceptance for a XXXX XXXX XXXX ; at the moment of purchase and financing, the business did not have the title on hand. The name of this Business was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX. Several weeks happened and still no title and the car started showing signs of mechanical issues. I decided to start a claim at XXXX XXXX XXXX in Kansas. I proceded to dismiss the case after mutual agreement with the owner of XXXX XXXX. Then, Credit Acceptance financed me a XXXX XXXX XXXX, the car is having mechanical issues. I took it to XXXX XXXX, and they told me that the car needs a new engine.

My complaint here is, besides all the hidden fees Credit Acceptance has with your car loan ; how is it possible that there is no protection for consumers when these places are selling used cars in bad conditions. At this time, the XXXX XXXX XXXX is the only form of transportation to go to work in my household. I still owe $ XXXX and no money to repair the car, get another car, or anything else. Now I am stuck with the car loan and a car that shakes every time it is driven. 

I need justice!

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I am the guardian of an underaged relative of mine. We both have accounts with this bank. I do quite a bit of money transfers. Every time I call the bank, they ask me is it an account that I'm the only XXXX on or is someone on the account with you. I always let them know that it should be the account that I'm the only XXXX on to transfer money from. So for months, I've been thinking that they are transferring money from my savings account to my checking account. This has been going on for months. I called on XX/XX/year> to transfer some money. The representative told me that I was using the account with my minor relative on it. I told no that that's not the representatives have been telling me for months. So I hung up and went to thinking about it. I called back on XX/XX/year> and asked this represntative, and she told me the same thing as the lady on XX/XX/year>. Basically, the bank has transferred over {$12000.00} of my relative 's money into my account without my knowledge or authorization. The recordings and statements should tell it all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MS

Complaint narrative:
I accidentally sent money to a lady tht wasnt on cashapp XXXX i requested several times to return the money bck since the I cldnt get her to respond XXXX therefore they cancelled it XXXX eventually it expired!! My bank statement have come XXXX no refund, I walked thru everything tht cashapp wanted me to XXXX hvent received XXXX XXXX thing bck as of today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I have complaints because my debt was not sold to XXXX. I have called them myself and they tole me that I was not in their system. I also called the original creditor which is XXXX XXXX. They told me that my debt was sold to XXXX XXXX. They first started by calling my mother. I then received a phone call from them From different phone numbers, texts messages saying that it required immediate attention. I called and gave them my debit card information to take off the money I owed. They first asked me how much I was able to pay. I told them I could only pay between {$100.00} and {$200.00} a month. One of them said let me ask my manager. The next woman said i could not pay that. I had to pay {$740.00} a month. They did take {$250.00} off of my card on XX/XX/year>. They proceeded to take {$490.00} off of my card on XX/XX/year> at XXXXXXXX XXXX It declined. They proceeded to call me and then at XXXXXXXX XXXX again the card got declined for {$490.00}. They call me right after it declined. The numbers they are calling from are not even associated with XXXX. Ever since that day, they have been calling back to back every hour on the hour leaving voice mails of urgency as well as texts messages.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX I initiated a check transfer payment from my Chime account to XXXX XXXX  in the amount of {$1400.00} The funds were withdrawn immediately but never received at XXXX. I phoned Chime who could not determine if or when the check was processed but it would be another 6-9 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am filing this complaint against U.S. Bank for deceptive marketing practices and failure to honor a credit card sign-up bonus. 

In XX/XX/year>, while using the U.S. Bank mobile app, I was presented with a targeted offer for the XXXX XXXX XXXX  ( XXXX points for {$1000.00} spend ). The app 's system performed an eligibility check and confirmed I was eligible before I submitted the application.

I met the spending requirement within 90 days. However, the bank refused to post the bonus, claiming a " 5-year rule '' regarding previous card ownership. This rule was never disclosed during the application process in the app. Furthermore, the bank 's own system pre-screened me and invited me to apply based on my eligibility. ( And it has been more than 24 months since I last held this card ).

I have contacted the bank, but they refused to resolve the issue. I request U.S. Bank to honor the original offer and credit the XXXX points to my account as promised by their mobile application. 

Requested Resolution : It is a deceptive practice to invite a customer to apply by confirming eligibility and then deny the reward based on terms that contradict the app 's own verification. I request that U.S. Bank honor the commitment made by their mobile application and manually credit the XXXX bonus points to my account.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
I received a debt collection notice from a company named XXXX to my home address in my maiden name. I got married and have not used my Maiden name since. The debt description is for the company XXXX which I have never shopped or purchased anything in and when I tried to contact the company but they are out of business. The current creditor is Jefferson Capital Systems. I went to my local Sherriffs office and the recommended that I file a claim with the FTC.

Company response to consumer: Closed with explanation