vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 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: FL

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 XXXX XXXX XXXX - XXXX 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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I received an unsolicited email on a dept owed by XXXX XXXX. It has been reported on my credit report as a Charge Off. I have a Charge Off from capital one I am currently making payments on. I have XXXX Credit Cards with XXXX XXXX XXXX is at a Charge Off which I have not received any XXXX form to file and on my credit report. I have a payment plan I have been paying on. Then out of nowhere I received a notice to pay the exact amount that it was at {$1300.00}, Currently this is inaccurate information the balance I have now is at {$890.00} The company XXXX XXXX and LVNV XXXX different companies are trying to collect on the same account. is claiming I owe over XXXX to them on a Charge Off account I am making payments on. When asked for proof, they only sent me a print out that had the last balance of over {$1300.00} it's still on my credit report as a collection. How can XXXX Collection agency collect on the same account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, my Chase debit card ending in XXXX was compromised, resulting in approximately {$1100.00} in unauthorized transactions at foreign merchants labeled " PVSDETALLING '' and " PVSRESTAURANT ''. I suspect my card was skimmed at a gas station in Texas, which allowed a third party to fraudulently provision my card information onto a separate digital wallet. Despite these charges triggering multiple " Foreign Exchange Rate Adjustment Fees '' that prove the transactions occurred outside of the United States, I was physically present in XXXX, Texas, for the entire duration of the incident and did not leave the country. Although Chase initially provided a temporary credit of {$1200.00} on XX/XX/year>, they informed me on XX/XX/year>, that they were reversing {$1100.00} of that credit because they claimed the transactions were " authenticated '' via XXXX XXXX. When I contested this, Chase representatives placed an unreasonable and impossible burden of proof on me by stating that I would have to personally fly to the foreign merchant locations to obtain XXXX footage to prove I was not there. This investigation was fundamentally flawed under Regulation XXXX because Chase failed to verify if the Device Account Number ( XXXX ) used for these transactions matched my actual XXXX and ignored their own fee records showing I was in a different country than the merchants. Of the total disputed amount, only a {$7.00} charge for " XXXX XXXX '' was finalized in my favor on XX/XX/year>, while the remaining {$1100.00} remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
I have tried disputing XXXX charges from Dept of Education that were placed on my credit report. Everytime it comes back that the company says its mine. I have never had a student loan, never applied etc. I have no information on how it was placed on my credit report. Now my points have gone down XXXX points and these are not mine.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
I had a car accident on XX/XX/year>, and my vehicle was deemed a total loss by my insurance company, XXXX XXXX. XXXX XXXX sent a check directly to GM Financial, my auto loan company, to pay off the loan. GM Financial signed for the certified envelope in their mail room, and deposited the check, but did not apply the amount to my loan. The back of the check was endorsed via a stamp from XXXX XXXX, including an account number. GM Financial is telling me they don't know where the money was allocated, but that I should contact XXXX XXXX. XXXX XXXX is saying that GM Financial cashed the check, so they are done with it and refuse to look into the issue of the money being mis-allocated. I have called GM Financial repeatedly and not only do they refuse to investigate the issue, but now they are stating that they never even received the CERTIFIED check. I have been expected to keep paying my car loan, because without the XXXX XXXX payment, it has a balance, and the loan continues to accumulate interest. I am paying for a vehicle that I dont even have in order to keep my account out of delinquency and ruining my credit. In the meantime, I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and am required to have my own approved XXXX XXXX XXXX XXXX XXXX. My vehicle is sitting in a XXXX XXXX salvage yard, and because I have a loan that was not paid off, I can not afford to buy another. The XXXX XXXX has been cutting my hours because they have to find a XXXX vehicle for me to work from. No one will help me find where this money went, and I am now having trouble paying my bills because my working hours are being cut back. I have been driving a family vehicle back and forth to work and daycare, etc. since the accident. This vehicle can not be used for my job, because all XXXX work vehicles have to be approved and modified into XXXX XXXX. XXXX XXXX mishandling of this check has caused tremendous damage to my life and if I did not have an amazing support system there would be a mother ( me ) and child ( XXXX years of age ) out on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TapTap Send Inc.
State: CO

Complaint narrative:
I got scammed by a person online and my bank wont credit the funds back. I sent this person XXXX {$150.00} transaction on Taptap send and XXXX {$400.00} transaction on XXXX XXXX. The person was saying they were a cat adoption agency and i thought i was adopting a cat, but i sent them the money and they keep asking for more money. When I told them I wasnt going to send them anymore they started threatening me about pet abandoning and harassing me for more money. And threatening to go to the police, but Im not sure these people are really who they say they are so Im hesitant to send them anymore money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial offered payment extensions twice in exchange for specific payments to bring account current. First offer : made required payment, contacted company after it posted, extension was denied. Second offer : same outcome made required payment as instructed, extension denied after posting. Each time I was told to check back after payment posted and was then told extension was not approved. When I requested late fee waivers totaling over {$1100.00}, I was told waivers are not permitted, yet company offered token {$30.00} waivers. When I threatened to file regulatory complaints, company escalated to XXXX and promised decision in XXXX days. Decision came back denied. I have made over {$4000.00} in payments since XX/XX/year> including {$500.00} today. Company is engaging in a pattern of promising relief to obtain payments then denying that relief. I have chat transcripts documenting these promises. Late fees now total {$1100.00} on top of {$1500.00} past due. Company 's deceptive acts and practices have made it impossible to become current despite consistent payment efforts. Chat transcripts documenting these promises are no longer accessible as Ally 's system does not retain chat history long term, as I am informed by the chat agents.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Refusing to Release XXXX XXXX and Providing Contradictory Information I am filing this complaint because Wells Fargo closed my personal and business deposit accounts and is now refusing to properly release or deregister my XXXX token information ( phone number and email ), which is preventing me from fully using XXXX with another financial institution. In Wells Fargos CFPB response, the bank stated there are no flags or codes preventing me from applying for or opening another deposit account. However, this statement directly contradicts my actual experience. Despite these claims, I have still been unable to successfully open another account with Wells Fargo, and my XXXX information continues appearing tied to Wells Fargos system. Additionally, Wells Fargo representatives have repeatedly avoided directly addressing the actual issue being complained about. Instead of confirming whether my XXXX token has been released, deregistered, or removed from their systems, representatives continue providing generic explanations regarding account closures and internal risk policies that do not answer the problem being reported. My complaint is not about Wells Fargos general right to close accounts. My complaint is specifically about Wells Fargos failure to : - Properly release my XXXX enrollment credentials/token, - Remove my phone number and email from their XXXX registration system, - Provide accurate and truthful information regarding restrictions, - Address the contradiction between their CFPB response and their actual actions,- Or assist in resolving the issue despite multiple contacts. As a result, I have been unable to seamlessly use XXXX services with another financial institution, causing disruption to my personal and business financial activity. Wells Fargos CFPB response appears intentionally evasive because it focuses on their right to close accounts while avoiding the actual issue raised regarding XXXX access and continued restrictions. I will be attaching supporting evidence showing : - Wells Fargos statements claiming there are no restrictions or flags, - Continued inability to open an account despite those statements,- And the ongoing issues involving my XXXX XXXX/contact information remaining associated with Wells Fargo 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 2026-05-06 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: MA

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . regarding an erroneous billing charge of {$2100.00} that was posted to my Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, following the Bilt Card XXXX transition. Background : I was a XXXX XXXX cardholder ( account ending XXXX ) with a perfect, unbroken payment history I have never missed a single payment. When the XXXX XXXX XXXX ended , I proactively paid off my entire outstanding balance of {$2100.00} in full on XX/XX/year> ( XXXX Payment Reference # XXXX ), confirmed by my Wells Fargo statement. My balance was {$0.00} at the time of the XX/XX/year> card conversion. The Error : On XX/XX/year> XXXX days after the card conversion Wells Fargo posted an internal entry labeled ADJUSTMENT-PAYMENTS of {$2100.00} onto my new Autograph Visa account. This is the exact same amount I had already paid and cleared on XX/XX/year>. I was never notified of this re-posting via statement, email, or phone. On XX/XX/year>, I paid what I believed was the full Autograph Visa balance of {$8600.00} completely unaware that Wells Fargo had silently re-added {$2100.00}. Resulting Harm : Because I was never notified of this duplicate entry, the {$2100.00} balance was left unpaid. Wells Fargo then charged a {$25.00} late fee ( XX/XX/year> ) and {$49.00} in interest ( XX/XX/year> ), bringing the total to {$2200.00}. My account was marked PAST DUE and negative information was reported to consumer credit bureaus causing a credit score drop I do not deserve. I have never had a late payment or derogatory mark in my credit history. Timeline Summary : XX/XX/year> : Paid full balance of {$2100.00} in full Ref # XXXX XX/XX/year> : XXXX XXXX deactivated, converted to XXXX XXXX XX/XX/year> : Wells Fargo re-posts {$2100.00} as ADJUSTMENT-PAYMENTS on new card no notification sent XX/XX/year> : I pay full Autograph Visa balance of {$8600.00} unaware of re-added amount XXXX XXXX XXXX : {$25.00} late fee charged XXXX XXXX XXXX : {$49.00} interest charged Current balance : {$2200.00} entirely erroneous This error is consistent with a widely reported systemic failure during the Bilt Card XXXX transition, documented by XXXX ( XX/XX/year> ) and numerous consumer reports. What I Want : I want Wells Fargo to ( XXXX ) immediately reverse the {$2200.00} balance in full, ( XXXX ) waive all interest and late fees, ( XXXX ) remove all negative credit reporting related to this balance from XXXX XXXX XXXX XXXX and ( XXXX ) provide written confirmation that my account balance is {$0.00}.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Acorns Grow Incorporated
State: FL

Complaint narrative:
I am filing this complaint regarding unauthorized withdrawals totaling {$12000.00} from my Acorns investment account. Beginning in XX/XX/year>, I was locked out of my account and unable to access it. During that period ( XXXX through XX/XX/year> ), four unauthorized withdrawals were made to an external bank account I never authorized : XX/XX/year> : {$490.00} XX/XX/year> : {$4000.00} XX/XX/year> : {$4000.00} XX/XX/year> : {$4000.00} Total : {$12000.00} On XX/XX/year> XXXX days before the first withdrawal I contacted Acorns customer support at ( XXXX ) XXXX to report suspicious activity on my account. This call is confirmed in my XXXX XXXX XXXX phone records. Despite being on notice of a potential compromise, Acorns failed to secure my account or prevent the subsequent unauthorized transactions. When I finally regained account access on XX/XX/year>, I discovered that an unauthorized phone number ( XXXX ) had been added to my account without my knowledge or consent. Acorns required me to submit rigorous identity verification including a selfie with my government-issued ID to restore my own access, yet appears to have applied no comparable verification to the transactions that drained my account. I submitted a formal written demand via certified mail, which was delivered to Acorns on XX/XX/year>. Acorns denied my request for reimbursement, stating it can not reverse the transactions. I believe Acorns has violated the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E ( 12 C.F.R. 1005.11 ), which requires financial institutions to investigate and resolve claims of unauthorized electronic fund transfers. Acorns was put on oral notice prior to any withdrawal and failed to act. Desired Resolution : Full reimbursement of {$12000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: MN

Complaint narrative:
I had a solar panel system installed through XXXX XXXX, financed by Mosaic, approximately in XX/XX/year> ]. The total loan amount is around {$46.00} with monthly payments of approximately {$370.00}. The system worked only for a few months after installation and then stopped producing energy. After noticing the issue, I contacted the company to request service and repair. I made multiple attempts to get assistance, but the company did not provide a timely or effective response. Despite the system not working, I continue to be charged monthly payments for a system that is not producing electricity. I have also checked and there has been no improvement or repair made to restore the system. I am requesting that the company repair the solar system so it functions as promised, or provide a fair resolution such as adjusting or canceling the loan since the product is not working and I am still being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Figure Technologies, Inc
State: GA

Complaint narrative:
1. Figure admits reporting codes but does not prove the underlying facts. Figure says it confirmed XXXX XXXX XXXX XXXX, but confirmation of an internal code is not verification of the underlying account facts. Figure did not supply the XXXX XXXX furnishing file, charge-off ledger, DOFD, payment progression, XX/XX/XXXX sequence, or account-level charge-off authority. 2. Figures sale/servicing explanation conflicts with the supplied evidence. Figure says the account was sold and servicing transferred to XXXX XXXX, XXXX effective XX/XX/XXXX. The transfer notice states the account was sold to XXXX XXXX XXXX, XXXX effective XX/XX/XXXX. XXXX validation letter identifies XXXX as current creditor, while the bill of sale is XXXX XXXX XXXX XXXX to XXXX. This is not a clean Figure-to-XXXX ownership chain. 3. Figures no real-time access/no authority statement is not a defense. If Figure lacks access or authority to verify post-transfer facts, it can not rely on post-transfer assumptions to maintain disputed reporting. If it continues to verify historical data, it must produce account-level records showing that the historical data is complete and accurate. 4. The bureau-level reporting is internally inconsistent. The current XXXX pages show Figure/Figure Tech variations, {$0.00} balance, Purchased by another lender, charge-off/loss language, no XXXX detail on the account page , XXXX Worst Delinquency : None Reported while still showing charged off, and XXXX older derogatory references of 30-day and 90-day events with no 60-day sequence. 5. XX/XX/XXXX is not explained. The XX/XX/XXXX statement shows Amount Due {$0.00} and New Balance {$23000.00}, yet XXXX reports severe derogatory/charge-off events around XX/XX/XXXX and XX/XX/XXXX. Figure must reconcile the statement, reversals, acceleration/default record, DOFD, and charge-off date. It did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a formal complaint regarding a fraudulent credit card account that was opened in my name without my authorization. The account was opened on or around XX/XX/2025. I did not apply for or authorize this account. When I became aware of the fraudulent activity, I immediately contacted Citibank to report that this account was the result of identity theft. Despite notifying Citibank promptly, I have experienced ongoing issues in getting this matter resolved. I have repeatedly attempted to communicate with Citibank and provide documentation supporting my claim, including : Written notifications stating the account was fraudulent Identity theft alerts from XXXX A police report documenting the fraud Case # XXXX XXXX XXXX Sheriffs Department XXXX XXXX XXXX badge number XXXX A completed Identity Theft Report filed through IdentityTheft.gov ( FTC ) Even after providing this documentation and notifying Citibank early in the process, I was recently informed that I am still being held responsible for this fraudulent account. Additionally, this situation has caused significant damage to my credit. I have maintained excellent credit for approximately XXXX years, with a score near XXXX. As a result of this unresolved fraudulent account, my credit score has dropped significantly, impacting my financial standing. Citibank has also failed to respond adequately to my recent communications attempting to resolve this matter. I have made good faith efforts to resolve this directly with them, but have not received meaningful assistance or resolution. I am requesting the following : Immediate reinvestigation of this account as identity theft Removal of all associated charges and liability from my name Correction and removal of all negative reporting to credit bureaus related to this account Written confirmation of the outcome of their investigation I acted quickly and responsibly when I discovered this fraud. Citibanks failure to properly investigate and resolve this matter has caused unnecessary financial and reputational harm. I am requesting prompt resolution of this issue.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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