vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The website promised that by applying from that page, the code would be applied automatically. If your system failed to track that 'click, ' it is a technical failure of the Wells Fargo platform. I have met all the substantive requirements for opening a new checking account with the minimum direct deposit, and I expect the bank to honor its advertised promotion by manually adding the code 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 2026-05-11 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Items Charged with Barclays Card Master Card with following Merchants XX/XX/XXXX - XXXX {$190.00} - Ordered from merchant cieling fan on XX/XX/XXXX, item arrived mid XXXX and was wrong item. We contacted the merchant via online form 3 times with no assistance. We opened dispute with Barclays that items was incorrect and we are attempting to resolve. Barclays reached merchant only to provide confirmation shipping which is correct. However we provided photos of the item different from order and several attempts to resolve the order. Barclays replies that timeframe is out of limits when dipsute was opened and provided details all within timeframe XX/XX/XXXX - XXXX {$520.00} - Placed special order for cabinet parts instore- Merchant was suppose to deliver the products on XX/XX/XXXX. After several attempts to reach the store, mercahnt confirmed the items were never delivered nor did manufactuerer provide any insight into delivery. The dispute was immediately created due to delay and no response. Evidence of items and email showing merchant could not locate or provide ETA of items to be dleivered with prompt reply to Barclays with evidence of emails, order, etc. Barclays failed to review detailed information and closed dipsute XX/XX/XXXX - XXXX {$100.00}. XXXX XXXX via XXXX on XXXX. After receiving merchandise items arrived damaged. Contacted merchant on XXXX they state XXXX issue a return label, XXXX reply was that merchant issue label. After weeks of trying to resolve the return. I opend a dispute with Barclays, providing them with evidence, emails, on the process and return label responsbility. Merchant XXXX replies with only a delivered confirmation and no other info as I provide detailed info to the merchant. However Barclays then state the claim is closed due to timeframe. However all communiation was replied within Barclays terms and conditions. XX/XX/XXXX XXXX {$130.00} - Ordered XXXX XXXX from Merchant with Barclays CC. XXXX eceipt the battery was delivered with heavy leaks. Reporting the damage to merchant, merchant replies to dispose the battery and will refund. After waiting 21 days refudn never came. Merchant was contacted with no reply. After no reply we opened dispute with same reason, merchant replied to Barclays item was delivered not that it was damaged, we provided emails, and communication from the merchant that refund will be issued and dipsoe of the toxic battery. However Barclays replied back dipsute closed after merchant provided deliery info and confirmation. We provided different reason and leak photo along with email of dispose and refund. However Barclasy then replied with are out of time, while working within Barclays own timelines.

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: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Sent validation letters on XX/XX/year> to the following creditors : National Credit System Account XXXX Amount {$1800.00} XXXX XXXX XXXX XXXX XXXX GA XXXX I have not received a response for this account and therefore would like for this account to be removed from my credit report. Attached are the mail receipts and the letters I sent requesting verification.

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: BOK FINANCIAL CORP
State: AZ

Complaint narrative:
CFPB Narrative : Dispute # XXXX Failure of Regulation E Compliance & Procedural Bad Faith Dispute filed XX/XX/year> XXXX XXXX XXXX : felony property crime number : XXXX field XX/XX/year> and has been upgraded since. Notice Violation ( 12 CFR 1005.11 ( i ) ) : I received written notice of a dispute denial on XX/XX/year>. BOK Financial ( XXXX ) reversed my provisional credit and debited my account on XX/XX/year>. This is a direct violation of the mandatory 5-business-day notice period required to honor third-party items following a denial. Unreasonable Investigation : XXXX failed their duty to conduct a " reasonable investigation '' under Regulation E. I repeatedly notified the bank of XXXX of forensic dashcam evidence documenting intentional property damage/vandalism by the merchant. The bank willfully ignored this evidence and refused to provide a means to submit it, choosing instead to validate a self-serving merchant receipt. No Signed Authorization : The transaction in question is for automotive repairs for which the merchant has zero signed work orders or authorizations. Per Arizona Department of Transportation ( XXXX ) and MVD guidelines ( A.R.S. 28-4840 ), a repair facility can not seek redress or enforce a contract without a signed work order. XXXX is validating a fraudulent, unsigned transaction. Property Crime : This dispute involves an active Property Crime investigation ( XXXX XXXX Case # XXXX ). By seizing the funds, XXXX is facilitating a financial transaction for documented felony vandalism.

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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am disputing the collection account reported by Portfolio Recovery Associates as not being mine and not properly verified. I requested full debt validation, including proof of ownership, original account details, and complete payment history to confirm accuracy and legal authority to collect. The company did not provide sufficient documentation to verify that I am responsible for this debt. As a result, I believe this account is inaccurate and unverified and should be corrected or removed from my credit report if it can not be fully validated under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I sent multiple Cash App payments totaling {$840.00} to a seller for two wigs. One wig valued at approximately {$500.00} was received. However, the remaining {$340.00} payment was for a custom wig that was never delivered. I made repeated attempts to resolve the issue directly with the seller before contacting Cash App Support. Despite explaining that part of the order was never fulfilled, Cash App denied my dispute and later responded to my prior CFPB complaint without providing a meaningful explanation of the investigation performed. Cash App did not provide : - Proof of delivery for the undelivered custom wig - Details regarding the investigative steps taken - The evidence relied upon to deny the dispute - An explanation regarding how partial delivery affects dispute eligibility Instead, Cash App stated only that the matter had already been reviewed and that no additional action would be taken. My complaint specifically concerns the undelivered {$340.00} custom wig, not the item that was successfully received. I am requesting that Cash App reopen and properly review the dispute, require proof of delivery for the undelivered item, and provide a detailed explanation supporting its denial decision. I believe I made reasonable efforts to resolve this matter directly with the seller before escalating the complaint.

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 was result of identity theft
Company: CL Holdings LLC
State: FL

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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
This complaint is a follow-up to CFPB Complaint No. XXXX, which was submitted as a follow-up to CFPB Complaint No. XXXX, which was closed without resolution. Both complaints were closed without resolution. The response I received on XX/XX/2026 : The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX about its response to this complaint. Bank of America did not provide a response directly to me. I request that CFPB provide a copy of the response that was provided to CFPB.

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 — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
While reviewing my business checking account transactions via the online Wells Fargo bank portal, I noticed two large fraudulent transactions. The first was a {$40000.00} withdrawal from my account showing the date Friday XX/XX/XXXX, and the second was a {$100000.00} withdrawal on Monday XX/XX/XXXX. The withdrawals were made by two separate companies. I had never done business with either of them, and neither of the transactions was authorized. On the morning of Tuesday XX/XX/XXXX, I phoned Wells Fargo fraud department to report the transactions. The bank accepted my complaint saying they would investigate and get back to me. I had reported many fraudulent transactions previously, so I was familiar with the process. The bank would normally refund the transactions immediately, then send a letter saying they were investigating, but I would never hear anything more. On XX/XX/XXXX I received a letter in the mail from Wells Fargo saying they had reimbursed the {$100000.00} but they would not be reimbursing the {$40000.00} because too much time had passed after the transaction was posted to the time I reported it. The {$40000.00} transaction was posted to my account on Friday XX/XX/XXXX. I reported it to the bank on the second business day, which followed their fraud reporting policy, but they still claimed it was too late. I made a complaint with the small business department, outlining these facts and also asked why the bank is allowing random persons to withdraw large amounts of money from my account. The small business team responded, saying they would escalate my complaint to corporate, and I would hear back from them within 30 days. I have not heard anything more and my {$40000.00} has not been refunded.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 non-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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint regarding Capital Ones refusal to process a credit card dispute for a concert ticket purchase on the grounds that it was outside a 60-day timeframe. The charge was for a future concert event that was indefinitely postponed to XXXX without a specific rescheduled date. The event was never ultimately held, and no service was provided. No refund was issued by the merchant. Because the event was represented as postponed rather than canceled, I reasonably waited for either a rescheduled date, fulfillment, or further communication from the organizer before escalating the issue. Over time, it became clear that no event would occur and no resolution would be provided. In the interim, I attempted to resolve the matter through XXXX, but was directed back to the organizer, who did not respond or issue any refund. Capital One initially credited the dispute, but later reversed the credit and closed the case citing a 60-day limit. I was informed that no further review or exception was possible. I am requesting a reconsideration of this decision because this was not a standard billing error dispute, but a services not rendered situation involving a future event that was never delivered. The dispute timing was delayed due to the merchants representation that the event was still postponed rather than canceled, and due to ongoing attempts to resolve the issue in good faith. I am seeking a fair review of the charge based on non-performance of services rather than strict application of a procedural filing window. Thank you for your consideration. Key points : Tickets were purchased through XXXX website, but the seller was the " organizer '' who postponed the concert and ultimately stopped responding. The concern never occurred. Key dates : * Original ticket purchase date : XX/XX/XXXX for {$550.00} * Indefinite postponement email : XX/XX/XXXX * Email sent to XXXX : XX/XX/XXXX - I was informed to contact the organizer, who did not respond * Multiple emails sent to organizer via XXXX website messaging service -- no records of this, no other method of contacting organizer * After being unable to reach the organizer in XXXX, I contacted Capital One on XX/XX/XXXX, opened a dispute, and was issued a {$550.00} credit for services not rendered. * On XX/XX/XXXX, Capital One informed me that the dispute was closed because it was outside of the 60 day timeframe. * I spoke to Capital One on XX/XX/XXXX and escalated to a supervisor, and was informed that the dispute could not be processed as it has been over 60 days from the concert purchase date.

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 was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND 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 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am submitting this complaint regarding the handling of the remaining denied transactions associated with my fraud claim through Bank of America. Bank of America previously issued a partial credit of {$410.00} after determining certain disputed transactions were unauthorized. However, the remaining disputed transactions totaling {$3500.00} were denied as authorized by you or by an individual with permission to use your card or account. The same individual conducted both the refunded transactions and the denied transactions. I never gave permission for this individual to use my card or account for transportation services, insurance payments, transfers, or any purchases. I was under the impression that funds were being added to my account, not withdrawn. Any interaction associated with these transactions occurred under false pretenses and deception. I did not knowingly authorize these transactions and did not receive or benefit from any services tied to these charges. Additionally, merchant information confirmed the services were used under another individuals name and address, not mine. I am requesting further review of the denied transactions because I do not understand how some transactions conducted by the same individual were determined to be unauthorized fraud while the larger transactions were classified as authorized. I respectfully request reconsideration and review of the remaining denied amount

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 2026-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I just got changed to rocket mortgage. By the way, every time i try to log in to my account, it says 404 error. lots of people with same problem. every time i have to call for them to give me a new link. but they are charging me sometimes {$50.00} or {$100.00} or {$25.00} for escrow that i do not have. they say " you don't have an escrow, you just owe the loan< then i say " then why is my bill $ XXXX/XXXX/XXXX more than my loan? '' then they say something like " oh you have insurance/tax escrowed ( I don't ). so I say " no I don't '' then they say it was from XXXX, or XXXX, or XXXX, 0r XXXX, or whatever the year that person wants to say it was from. I say, wow, its been a decade, and XXXX XXXX never escrowed, what's going on? '' they send me to escrow who says its an insurance problem, so they transfer me to insurance and they say its an escrow problem and they sane me back to escrow and so forth until I just hang up. Then they say to upload all me insurance stuff since XXXX, which I don't, then they say they never received it, so my agent uploaded it too. they said they never received it either ( we have receipts saying it was received ). then finally someone called me and promises to fix everything. I get on hour long conference call with him and my insurance agent. we go over everything. he says he has it all and will fix. then I get bill for this month ( XX/XX/XXXX ), and it has a {$25.00} escrow fee. I called them and they said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Summary : I ordered a bed from XXXX XXXX company, They could not deliver the bed, and kept postponing the delivery date. So I cancelled the order. They said they sent me a bedsheet set, worth {$240.00} by XXXX. I never received any package, so I asked them to send me proof it was delivered. They sent me the tracking record sheet where the delivery address was only showing the city, No # or street name, no Apt # only the city. Also for value over {$200.00} they were supposed to require a signature, which they did not. I filed a dispute with the XXXX XXXX Credit Card, Synchrony Bank. The credit card company ruled against me by showing the same tracking sheet ( address missing ) and a letter from XXXX XXXX Merchant. When I filed a dispute for the second time, explaining the missing address, and negligence of not requiring a signature, and pictures, the credit card company sent me copies of the SAME papers they sent the first time, and ruled against me again. I feel the merchant was negligent in missing the full address, and not requiring a signature. Also I feel that the credit card company, failed to do it's due diligence, by sending a photo copy of the same letter. XX/XX/XXXX Ordered Bed XX/XX/XXXX cancelled order XX/XX/XXXX Filed dispute with Synchrony Card XX/XX/XXXX Received ruling letter from Synchrony bank. XX/XX/XXXX Filed dispute again. XX/XX/XXXX - Sent supporting documents to bank explaining situation. XX/XX/XXXX - Recieved letter from Credit card company saying dispute completed.

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 2026-05-11 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: MD

Complaint narrative:
I had one XXXX XXXX account but they put 2 accounts on my report. XXXX XXXX is extremely unprofessional to say the least. The account that I was responsible for, every time I would pay it down, XXXX XXXX would add more charges to it. They werent willing to look into it, and I couldn't afford professional help. So its been on my credit report for several years ( the amount being a little over XXXX ). That credit card shouldn't be any more than XXXX dollars. Ok, so upon looking at my credit report a few months ago, credit one has put another account on it for over XXXX! They put that account on my credit report before the one I had gotten in XXXX! They sold these accounts to XXXX XXXX. These crazy people are crooked as bats!! They hang up on you, curse at you ect. I have good credit scores so im trying to resolve these matters. Also, the new account holders, has put on my credit that they're the original account holders.

Company response to consumer: Closed with explanation