vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had fraudulent transactions on my BMO debit card which was lost/stolen and i had filed a dispute with them. They denied the dispute saying the transactions were made before the card was lost/stolen which is incorrect statement. I have sent them the below email to dispute the denial of my claim. It has been weeks and i still have not heard back from them. Here is the email which has all the details. Dear BMO Claims Department, I am writing to formally dispute the denial of my fraud claims regarding multiple unauthorized transactions that occurred after my wallet and card were stolen. I recently received a denial letter stating that the claims were denied because the transactions supposedly took place before the card was lost or stolen. However, this conclusion is incorrect based on the actual timeline and the information I provided during the original claim filing. My wallet and card were stolen on XXXX XXXX XXXX. The unauthorized transactions occurred afterward, specifically on XXXX XXXX XXXX XXXX XXXX XXXX Therefore, the disputed transactions happened after the theft of my card, not before. I contacted BMO through the BMO Assist chat system to report the fraud and file claims. During the conversation, I clearly informed the representative that : The card was lost/stolen on XXXX XXXX XXXX The transactions were unauthorized and occurred after the theft. The attached chat screenshots support this information. In the conversation : The representative explicitly asked whether the claim was related to a lost/stolen card, and I answered Yes. I provided XXXX XXXX XXXX as the lost/stolen date. The representative proceeded with filing multiple fraud claims for the unauthorized transactions. A total of 12 unauthorized transactions were disputed under the following claim numbers : Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX Claim ID : XXXX Despite the above information and supporting evidence, the claims were denied based on an inaccurate statement that the transactions occurred before the theft/loss of the card. I respectfully request that BMO : 1. Reopen and fully reinvestigate all denied claims, 2. Review the attached BMO Assist chat screenshots as supporting evidence, 3. Verify the transaction dates against the reported theft date of XXXX XXXX XXXX, 4. Correct the inaccurate basis for denial, 5. Provide written confirmation of the outcome of the reinvestigation. Please confirm receipt of this dispute email and let me know if any additional documentation is required from my side. Thank you for your time and attention to this matter. I look forward to a prompt and fair review of these claims. 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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express regarding an unfair account closure and the wrongful forfeiture of my XXXX Membership Rewards ( MR ) points. On XX/XX/XXXX, I legitimately transferred XXXX MR points earned from my Business Gold Card into my personal American Express Checking Account. On XX/XX/XXXX, American Express abruptly closed my Checking Account and forfeited all XXXX MR points within it, citing " inactivity '' as the reason. I did not receive any prior written notice, email warning, or phone call alerting me that the account was at risk of closure, nor was I warned that inactivity would result in the complete forfeiture of my rewards. The account was only left without activity for a little over 4 months ( from XX/XX/XXXX, to XX/XX/XXXX ), which is an unreasonably short period for an inactivity closure, and seizing a customer 's substantial rewards without warning is an unfair and predatory business practice. I have contacted customer service multiple times, but they repeatedly refused to reinstate my points or transfer them back to my active credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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

Complaint narrative:
I am disputing an unauthorized debit card transaction for {$820.00}. I did not make this purchase, did not authorize it, and do not recognize the merchant, XXXX XXXX. I reported the transaction to Wells Fargo and filed a fraud claim. Wells Fargo initially provided a provisional credit and later reversed it after denying my claim. The merchant later contacted me directly. I do not know how the merchant obtained my personal contact information. Because of these repeated contacts, I called Wells Fargo to ask whether my information had been shared. Wells Fargo informed me that they had not provided my information to the merchant. When the merchant contacted me, I clearly stated that I did not make the purchase, did not authorize it, and did not know what transaction they were referring to. Due to the repeated contacts, I eventually blocked them. Wells Fargo informed me that the merchant provided information claiming that I had communicated with them. To my knowledge, no such conversation exists other than me telling them that I did not make the purchase and that I did not recognize the transaction. I was also informed that the denial of my claim relied in part on the fact that the item was shipped to the address associated with my account. However, that address is a PO Box/mailbox service and does not prove that I authorized or made the purchase. I continue to deny authorizing this transaction and I am requesting an independent review of the investigation and the evidence used to deny my claim.

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 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
There are three separate fraudulent transactions which occurred, two of which were through XXXX XXXX, XXXX XXXX XXXX. I made a {$500.00} XXXX payment to the following : XXXX XXXX XXXX XXXX This payment was made XXXX XXXX XXXX, transaction number XXXX Two payments were made via XXXX to XXXX. One payment was for {$300.00} and a secondary payment was for {$400.00}. The {$300.00} was sent on XXXX at XXXX XXXX ( {$25.00} pulled from XXXX XXXX, {$270.00} from XXXX XXXX card ) and the {$400.00} was sent from my Chase Debit Card on XXXX at XXXX. These transactions were fraudulent resulting from identity theft. The person behind these transactions whom I was supposed to be paying in return for XXXX tickets was impersonating someone by the name of XXXX XXXX. The scammer has photos of the ID as well as a selfie photo of the man holding their ID. I have found the real XXXX on XXXX and they confirm that their identity has been stolen. Thus, my payments are fraudulent in nature and I do not authorize these payments to be made to this impersonator/scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I received a letter for acceleration of foreclosure from XXXX XXXX XXXX XXXX claiming that I did not make a single payment in XXXX. On XX/XX/XXXX I sent a QWI and proof of mortgage payments made during the time XXXX claimed were missed. My mortgage contract specifically states that any regulations made by the Secretary of HUD would prevent the acceleration and foreclosure of my mortgage loan. During the time of foreclosure I was protected from foreclosure by the COVID 19 CARES act enacted by the Secretary of HUD. During the period of XX/XX/XXXX through XX/XX/XXXX I received multiple letters that my loan was transferred to XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. Because XXXX refused to correct the misapplied payments I applied for emergency mortgage assistance through the Homeowner Assistance Fund ( HAF ), administered in my state as the " XXXX XXXX XXXX XXXX '' program by the Ohio Housing Finance Agency ( OHFA ). I was on track to receive a {$25000.00} grant that would have completely cured any alleged delinquency and stabilized my loan. Due to XXXX internal administrative disarray, multiple servicing name changes, and inaccurate calculations of interest and misapplication of payments the servicer explicitly and falsely informed the XXXX XXXX XXXX XXXX program administrators that they did not service my loan and grant was denied prior to establishing current servicer. On XX/XX/XXXX XXXX notified me in writing that my servicer would change to XXXX, however, on XX/XX/XXXX XXXX filed for foreclosure. During the time of foreclosure I was actively working with XXXX XXXX, who I believed serviced my loan at the time and approved me for the standalone partial payment on XXXX. XXXX proceeded with the foreclosure and received final judgment of foreclosure on XX/XX/XXXX. The final judgement and confirmation of sale had more than a {$30000.00} discrepancy that was granted. An attorney that has never represented me signed for my service of summons and received all filings in the foreclosure in c/o my name, including the notice of sheriff sale personally served by the sheriff. I learned about the foreclosure only after the final judgment through a potential buyer from the sheriff sale website. I immediately contacted the attorney who signed and received foreclosure information on my behalf without my consent and he notified me that Plaintiff was aware of this error yet continued to serve this attorney in c/o my name. I was given XXXX minutes to leave my home under threat of arrest on XX/XX/XXXX by the Sheriff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: TX

Complaint narrative:
I am disputing a medical collection account reported by Medical Data Systems. I sent a debt validation request by certified mail, which was delivered on XX/XX/year>. The company did not provide sufficient information to verify the debt and continues to report the account on my credit report. I had active health insurance at the time of service and dispute the accuracy and validity of the debt. I am requesting that the company provide proper validation or remove the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint against U.S. Bank regarding an unresolved claim involving Cashier 's Check # XXXX associated with my business account. The claim was filed more than 90 days ago. Since filing the claim, I have repeatedly contacted U.S. Bank requesting updates regarding the status of the investigation, any remaining requirements, and an estimated completion date. Despite these requests, I have not received a final resolution or adequate communication regarding the status of my claim. My concerns are as follows : The claim has remained unresolved for over 90 days. I have experienced significant delays without a clear explanation. Multiple requests for updates have gone unanswered. I have not been provided with a definite timeline for resolution or release of funds. I am requesting that U.S. Bank : Provide a complete written status update regarding the claim. Explain the reason for the extended delay. Complete its review and issue a final determination immediately. Release any funds that are being improperly withheld. Provide written confirmation of the outcome. I am seeking prompt resolution of this matter and assistance in obtaining a response from U.S. Bank after more than three months without a final decision. Thank you.

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 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this CFPB complaint as my XXXX follow-up escalation regarding inaccurate, unverified, and improperly documented inquiry entries continuing to appear on my Experian and Equifax credit reports. Despite prior disputes and requests for reinvestigation, these inquiries remain on my credit files without full validation, without documented permissible purpose, and without any confirmed proof of lawful authorization as required under FCRA 619 15 U.S. Code 1681q, FCRA 604 ( a ) 15 U.S. Code 1681b ( a ), and FCRA 604 ( f ) 15 U.S. Code 1681b ( f ). The inquiries reported on Experian include XXXX XXXX ( XXXX ), XXXX ( XXXX ) XXXX XXXX OF XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX OF XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX ( XXXX ), all of which continue to appear without complete disclosure of authorization records, permissible purpose documentation, or compliance verification. Similarly, the inquiries reported on Equifax include XXXX XXXX XXXX ( XXXX ), XXXX, XXXX ( XXXX ), and XXXX ( XXXX ), which also remain unverified and unsupported by documented lawful purpose. Prior dispute attempts have not produced adequate verification or resolution, and I have not been provided with complete documentation demonstrating that these inquiries were legally obtained or properly reported. Continued reporting of these items without full proof of authorization raises serious concerns under federal accuracy standards and suggests noncompliance with the Fair Credit Reporting Act. I am requesting CFPB assistance to ensure full compliance and to require either complete documented verification or immediate removal of all disputed inquiries from my credit reports.

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 2026-06-02 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: Professional Recovery Management
State: AL

Complaint narrative:
Incorrect information on credit report / Debt collection reporting I am filing this complaint against XXXX XXXX XXXX for reporting an alleged debt on my credit reports without providing validation or verification despite multiple requests. The account is reported with a balance of approximately {$890.00} and is marked as disputed by consumer. I have repeatedly requested documentation proving that I owe this debt, including a copy of the original contract, complete account history, proof of assignment, and proof that XXXX XXXX XXXX has the legal right to collect and report this account. To date, XXXX XXXX XXXX has failed to provide any documentation supporting the debt. Despite their failure to validate the account, they continue to report it to the credit reporting agencies, causing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information have a duty to conduct a reasonable investigation and report only accurate and verifiable information. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must be able to substantiate debts they are attempting to collect. Because XXXX XXXX XXXX has failed to provide evidence that this debt is accurate, valid, and legally collectible, I request that : XXXX XXXX XXXX immediately cease collection efforts. XXXX XXXX XXXX provide complete validation of the alleged debt. XXXX XXXX XXXX delete the account from all consumer reporting agencies if it can not be properly verified. The CFPB investigate XXXX XXXX XXXX 's reporting and collection practices regarding this account. I have made multiple good-faith attempts to obtain verification, and XXXX XXXX XXXX has failed to provide the requested documentation while continuing to report the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I received 3 overdraft charges on XX/XX/year> to my checking account for 3 transactions that I had the money to cover for on that day. Wells Fargo had taken back a provisional credit for {$490.00} that I had made a claim in the beginning of the month for a piece of furniture that I returned to XXXX. XXXX would not give a refund, so I decided to make a claim through my bank. Wells Fargo said they needed a pdf document of the return policy, but XXXX does not have one they only have an online return policy. I had sent them proper documentation before the XXXX to keep the claim opened but Wells Fargo decided to close the claim because the documentation was insufficient but did not give me reasons on why the claim was closed. This caused my account to be in the negative and since the 3 transactions came out the same day that Wells Fargo took back the provisional credit, Wells Fargo charged me 3 overdraft fees. I called Wells Fargo and they said that there is nothing they can do about the overdraft charges, but I explained to them that my account had sufficient money to cover the 3 payments that went to 3 bills. But they disagreed and said that I did not have funds because they took back their credit the same day. So, I told them that was unfair business practices and decided to file a complaint through Wells Fargo.

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I am a co-signer on a Credit Acceptance loan. I am an unemployed single mother of XXXX living in XXXX, Indiana, with XXXX income, making me entirely judgment-proof under Indiana law XXXX The primary borrower has committed location fraud by taking the vehicle and fleeing to XXXX, Indiana, where he is currently a XXXX single male with an active income. I have repeatedly given Credit Acceptance his location in XXXX, but their customer service department continues to ignore the fraud and fail to act. I demand that Credit Acceptance escalate this to their XXXX XXXX asset recovery team to seize the vehicle and pursue wage garnishment against the primary borrower, rather than harassing an uncollectible mother in 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 2026-06-02 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
I did used to have one XXXX XXXX card that is reported as closed on my credit report in XXXX. Well, I do believe I had one open longer than that at least till sometime in XXXX, I definitely didnt open the second one. Now Wells Fargo has given me documentation of a {$13000.00} charge from my XXXX company for backpay. Its on an XXXX XXXX card from Wells Fargo and I never had an XXXX XXXX card from Wells Fargo. The other problem is XXXX my XXXX company for backpay. Its on an XXXX XXXX card from Wells Fargo and I never had a XXXX XXXX card from Wells Fargo. The other problem is I only owed a year of backpay. I definitely paid with my bound card XXXX and I used my XXXX freedom for it too. If I paid XXXX to this XXXX XXXX card, I overpaid my bank pay of XXXX benefits. I shouldve only owe XXXX. Now Im gon na have to talk to them, but I know I didnt have this Wells Fargo XXXX XXXX ever. I hate to have to report this way, but I just have so many strange things happening. I think its best to do it this way.. It also doesnt make sense that I would only have it a couple months and then just not have it anymore.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
I am filing a complaint against Fair Collections & Outsourcing ( FCO ) for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX, I submitted a written dispute to FCO regarding an alleged debt they claim I owe to XXXX XXXX. FCO never responded to my dispute and never provided validation as required under 15 U.S.C. 1692g ( b ). Despite failing to validate the debt, FCO continued collection activity, and reporting the debt to the credit bureaus. This is a violation of 1692g ( b ), which requires all collection activity to stop until validation is provided. The XXXX XXXX XXXX letter contains false and misleading statements, including : We are trying to collect a debt that you owe to XXXX XXXX. Our information shows you had a lease with XXXX XXXX with apartment or unit XXXX. FCO has provided no evidence that I owe this debt, signed a lease, or am responsible for the charges. These statements violate 15 U.S.C. 1692e, which prohibits false representations about the character, amount, or legal status of a debt. Additionally, FCO continued to report this debt to the credit bureaus without marking it as disputed, which violates : 15 U.S.C. 1692e ( 8 ) ( communicating credit information known to be false ) 15 U.S.C. 1681s2 ( a ) ( 3 ) ( duty to report disputes to credit bureaus ) FCO also encouraged me to contact them about payment options despite the debt being disputed and unvalidated, which is another violation of 1692g ( b ). I am requesting that the CFPB require FCO to : 1. Provide full validation of the alleged debt, including : Signed lease agreement Itemized accounting Moveout statement Proof of assignment 2. Cease all collection activity until validation is provided 3. Correct all credit reporting and mark the account as disputed 4. Delete the account from all credit bureaus if they can not validate the debt 5. Address their violations of FDCPA and FCRA FCOs actions have caused significant harm to my credit and financial stability, and I am requesting immediate investigation and corrective action.

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