vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the closure of my Cash App account without clear explanation or resolution. My account was closed, and despite multiple attempts to appeal and request clarification, I have not received a clear or final explanation regarding the reason for this action. This situation raises concerns about whether the closure was due to an internal decision, an error, or potential unauthorized or fraudulent activity involving my account. Under the Electronic Fund Transfer Act, I am requesting an investigation into any unauthorized or suspicious activity associated with my account. Additionally, under the Gramm-Leach-Bliley Act, I am requesting confirmation that my personal and financial information has not been compromised or misused. I am requesting the following : 1. A clear explanation for why my account was closed 2. Confirmation of whether any fraudulent or suspicious activity was associated with my account 3. Assurance that my personal information has not been compromised 4. Copies of any records or determinations related to this decision, where permissible 5. A review of my account for possible reinstatement if the closure was made in error I have made multiple attempts to resolve this directly with the company but have not received a sufficient response. I am requesting a full investigation and a written response addressing these concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
At around XXXX PM on XX/XX/year> my XXXX XXXX was stolen from a restaurant while I was on a work trip in XXXX XXXX. Overnight multiple accounts were accessed through my phone AND my phone was used in multiple transactions due to the debit and credit cards being loaded on it. I had {$5000.00} cash transfer initiated from my Wells Fargo Credit card into my Wells Fargo checking account and they then send themselves a {$500.00} XXXX and a {$1000.00} XXXX. There were also XXXX {$500.00} XXXX XXXX transactions that I did not initiate. This all amounted to {$7500.00} being removed from my Wells Fargo account in addition to a {$350.00} cash transfer fee and additional interest charges on the cash transfer balance that I did not initiate. XXXX XXXX has reimbursed me for {$3200.00} to date buXXXX XXXX XXXX XXXX XXXX XXXX XXXX and Wells Fargo have ruled multiple times that it was not fraud and thus won't reimburse me for the remaining {$4200.00}. I have submitted these claims 3 times with Wells Fargo and twice with XXXX XXXX. I have yet to be contacted by an actual person in either fraud department. I have two police reports filed and my social security number was also compromised so I have had to file a report with the Feder Trade Commission. The thieves also accessed my HELOC through my phone and moved {$8000.00} from my HELOC into a checking account with XXXX to access but thankfully I saw the notification and was able to freeze the account before they could access that. They also stole {$50.00} through XXXX and made an {$500.00} purchase on my XXXX through my phone at XXXX. Both of those were ruled fraud and reimbursed by the XXXX and XXXX respectively. I am at a loss for words as to how Wells Fargo could not acknowledge this was fraud but this is about as XXXX and XXXX as it gets and I need my money reimbursed and the fees waived so I can pay down the credit card debt that I did not run up.

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 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: MS

Complaint narrative:
I disputed an account listed on my credit report from National Credit Adjusters , LLC. The account was marked as verified, however, I was never provided with any documentation proving the validity of this debt. I have not received any proof of a signed agreement, proof of ownership of the debt, or a complete accounting of the balance. The company continues to report this account without providing proper validation. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account is being reported without sufficient proof that it is accurate or that the company has the legal right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have not had a job since the end of XXXX this year, XXXX. I had my checking account linked to several direct withdrawals every month. Due to that, my account was getting depleted and became negative, and overdraft fees were being added on top of it. I realized this, so I put a temporary freeze on my checking/debit/ATM card account. Since it was over a XXXX limit, my checking account was automatically closed. I have a job and will start working by XXXX. I went to the Fifth Third Bank to reopen my checking account, and they got a report from the XXXX XXXX XXXX agency, and they requested me to get in touch with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had a personal checking account with Chase. I have a business account with Chase. I submitted a claim for a XXXX XXXX transaction for the personal account with Chase. Chase back office denied the claim even after uploading a police report. This happened two years ago. I never paid the negative balance for the personal account and Chase had been calling me daily since then. Since then Ive owned a personal credit card and a business credit card with Chase. Chase closed both cards even though Ive made monthly payments and paid statement balances. I believe Chase back office caused XXXX XXXX transactions to take place on my rise card so I can request a new credit card and Chase back office can find a reason to close my credit cards to harass me for the unpaid personal account. After Chase closed the credit cards, I still made credit card payments. Today XX/XX/27. Chase back office denied me a claim toward my business account after submitting proof it was fraudulent on XXXX XXXX and XXXX. The transaction was for XXXX. The company charged me twice for the same service. Made up a reason to charge my business account again. Chase back office deal with the business accounts claims and the personal account claims. Chase have their eyes on me. Other then finding another bank relationship, can I sue Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I had asked Santander to send me the information that the dealership had sent them to get me approved for the auto loan As I feel the dealership lied about my income as I dont know how they wouldve been approved for the loan. Santander, its charging ridiculous fees, and I can not keep up with this loan. Theyve given me extensions without proper information and now continues to show me behind on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express notified me of a potential fraud activity on my card. The alert said I could approve or decline and I declined charge. Then my card was locked so I called AMEX customer service. I told them the card/ # wasnt stolen and it was a subsciption that was cancelled. They harrassed me and insisted the card had to be closed although they had no justification for closing. I insisted it wasnt critieria to close the card by policy or law. They retaliated and approved the charge. I was forced dispute the charge which is on record in conversation and the mobile application of being unaoproved Ive had several calls since to get a tracking # for an internal investigation and have been harrassed, lied to and stonewalled. I finally got a supervisor to generate a case # after 20 minutes of her harrasing me and stonewalling. XXXX To AMEX legal and compoliance : your fraud and customer service departments are enemies of your company... all of them. The culture is rotten to the core.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
They call my work phone repeatedly and do not leave a message. They have called more than once a day. I blocked the number but they still keep calling so I have now reported them to my phone carrier as spam/ scam/ fraud/ phishing. I do NOT have any valid outstanding debts that any third party has any right to collect, I recently checked my credit report, and I have NOT received any written documentation of any supposed debts in the mail. I note they most recently called XX/XX/XXXX, XX/XX/XXXX, twice XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, twice XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Early in the morning on Saturday XX/XX/XXXX, my phone was stolen out of my pocket while at a concert in XXXX, PA. I do not know exactly how, but these thieves were able to get access into my phone and sent a number of XXXX XXXX transactions and a XXXX transaction to themselves from my Wells Fargo checking account. These transactions in total were for upwards of {$20000.00}. Wells Fargo noticed suspicious activity and locked my account and even refunded a few of the charges, although most of them were not put back into my account. I was told I had to go into a physical Wells Fargo branch to have my account unlocked. I went that following Monday XXXX, XXXX to a local branch to have them unlock my account and help me file a claim. I provided a police report as well detailing what had happened. The police report number is XXXX. Two claims were opened through Wells Fargo for the apple cash transactions ( # XXXX ) and the XXXX transaction ( # XXXX ). The banker told me I would likely get the money put back into my account within ten business days. I found out on XX/XX/XXXX that my claim was denied. I immediately called Wells Fargo to dispute this and ask for a reason for the denial. I was told that no police report number or mention of a stolen phone was on my claim report despite me giving that information at the branch and in a phone call from a Wells Fargo representative later that week. They then submitted a complaint to their executive branch and I submitted an initial complaint with the CFPB. I was told to give the police report number again with a description of what happened. I was told I should be hearing back within three business days about my complaint. I eventually heard back that my second claim with the executive office was denied. They claimed that there was no record of a XXXX claim so I have now provided the claim number. I also attached the police report and they claimed it was difficult to read so I have reattached a clearer copy.

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 2026-04-27 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: Marlette Funding, LLC
State: CA

Complaint narrative:
I started a payment plan with the company in XX/XX/XXXX, and around XXXX XXXX I was CHARGED a large amount, over {$1000.00} when my payment plan payment was supposed to be {$330.00}. They immediately started dinging my credit score when I did not pay this large sum, which is what brought my attention to this matter. Around XXXX XXXXXXXX XXXX after noticing the CHARGE, I called bestegg and questioned the amount I was CHARGED and why the payment plan was no longer being honored and I was told " that's just what you owe. '' At that point I told them I was not going to pay that amount and reported it to the credit bureaus. I would like to bring attention to the fact that I have never claimed to have made a payment of {$1000.00} or more. My complaint is that I was CHARGED over {$1000.00} while on a payment plan with no explaination of the CHARGE. The missed payments being reported to my credit after the payment plan was made were inappropriate because I was not over a month late on my payments when my credit started to be affected, and did not receive any explaination for why the CHARGE of over {$1000.00} was added to my account and why the payment plan was no longer being honored. As you can see on the paperwork you provided, I started a payment plan XX/XX/XXXX for payments of {$330.00} a month, there was no reason to charge any more than {$330.00} after that agreement was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: NY

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-27 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: NAVY FEDERAL CREDIT UNION
State: OR

Complaint narrative:
I reserved a rental car and was denied upon arrival. They said I had to possess an Credit card not credit debit ( which do have )

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Global Asset Agency, Inc.
State: TX

Complaint narrative:
I have a XXXX credit card that I owe money on. Back in XXXX I received a voicemail from a company called global asset agency that they were a debt collector and needed to talk to me about the XXXX account. They said if I didnt pay they would take legal action. From what I remember they said I could pay less and get the credit card off my credit account. I just got an email from a synchrony debt collector wanting me to pay off that XXXX balance. So now Im confused. I went to look at my statement from my debit card because I cant find an email from global asset agency and I see that they took almost XXXX dollars from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Mortage Fraud, changed recorded records, changed mortgages and forge signatures. For XXXX XXXX XXXX. XXXX he did not purchase in 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 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I purchased a cashier 's check from XXXX XXXX XXXX XXXX account using money from my account. The amount was {$6100.00} and was deposited into a merchant bankers account @ Chase Bank. The check was cashed by Chase Bank and deposited into the merchant bankers account on that day. The merchant banker attempted to withdraw the {$6100.00} from her account and was denied access to the funds. Due to the actions of Chase Bank, I was not able to complete my business with the merchant banker and this produced many financial hardships to me.and my family. As of this date, I have not received any reimbursement of the funds ( {$6100.00} ) and my merchant banker has not either. It was my money that was deposited with Chase Bank and I want it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I open up a credit card and they are charging me a {$250.00} hidden fee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
After 48 months of on time payment and having a great credit history BMW Financial Services put a collection on my credit reports AFTER the vehicle was returned and vehicle lease was satisfied. I called and told it was linked to condition report but could not get any further information then out of the blue I get a collection notice. This is undeserving without any attempts to settle or give information as to where these charges are related to and without any opportunity to remedy the situation after XXXX years of timely payments and excellent credit history. I do not know what or why the {$1700.00} they are attempting to collect comes from after a satisfied lease with under allowed milage - I purchased a vehicle from another manufacturer after repleaded and very insistent sales calls from BMW... I guess that is their way of thanking their customers and punishing them for not purchasing another BMW. At the same time I want to give them benefit of the doubt since I did move right before completing lease so may be they sent notices or certified mail to my old address in XXXX XXXX, CA

Company response to consumer: Closed with explanation