vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-24 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: NC

Complaint narrative:
I am filing this complaint against my bank for failing to assist me with a fraud dispute. I paid an online merchant thinking it was for official XXXX XXXX XXXX XXXX XXXX XXXX job applications. However, I found out this is a scam website ( XXXX XXXX XXXX ) using the XXXX name to trick people. The real XXXX does not charge money for job applications. Furthermore, the website had technical errors on their end, making it impossible for me to move forward or complete any applications. I have already contacted the merchant multiple times via email to request a refund due to their system failure, but they refuse to help, stating that their refund system is fully automated and can not be done manually. I have reported this clearly to my bank twice as a Merchant Scam/Fraud, but they denied my claim both times and told me to contact the merchant instead. The bank is failing to protect me from fraud. I paid for a service that is a total scam and completely unusable due to technical errors. I request the CFPB to investigate my bank and help me get a full chargeback/refund.

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 2026-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX XXXX obtained a judgment against me in XXXX XXXX, XXXX ( Case XXXX XXXXXXXX ) on a debt originally owed to Citibank ( {$5000.00} ) and has now served post-judgment " Interrogatories in Aid of Execution. '' I was never properly served with the original lawsuit and had no notice or opportunity to respond, resulting in a default judgment against me. Suing and obtaining a default judgment without valid service violated my due-process rights and the FDCPA ( 15 U.S.C. 1692 ). I am pursuing vacatur of the judgment for defective service.

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 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
On or about XX/XX/year>, I received a collection notice from the law firm XXXX XXXX XXXX, XXXX ( CA DFPI Debt Collector License No. XXXX ), acting on behalf of XXXX XXXX XXXX XXXX XXXX , regarding an alleged credit card debt of {$5400.00} on an account ending in XXXX. I do not recognize this account. I did not open it, did not apply for it, did not authorize anyone to open it on my behalf, and did not use it. On XX/XX/year>, I sent Suttell & Hammer a written dispute and validation request by certified mail, return receipt requested. I disputed the debt in full and requested proof that I am the correct debtor, including any application or account-opening document bearing my signature ( wet or electronic ), any electronic signature audit trail or metadata, any identity-verification records used at account opening, all account statements and transaction history, and the California license number under which Suttell & Hammer is collecting . I have delivery confirmation that this letter was received. On XX/XX/year>, I sent Suttell & Hammer a second written dispute and demand for account-opening records by certified mail, return receipt requested. I again disputed the debt in full, referenced my XX/XX/year> letter, and requested all records supporting their position that I opened, authorized, used, or owe this account, including any application, electronic signature, clickwrap, consent, audit trail, metadata, timestamp, IP address, device identifier, phone number, email address, or authentication record used to apply for, open, activate, access, or use the account. I have delivery confirmation that this second letter was also received. As of today, neither Suttell & Hammer nor XXXX XXXX XXXX XXXX XXXX has responded to either of my certified-mail letters. They have not provided any account-opening records, any identity-verification records, any electronic signature or audit trail, any explanation of how they identified me as the account holder, any California license information, or any of the other documentation I requested. They have not acknowledged my dispute or confirmed that the account is being treated as disputed. If any adverse credit reporting has been made regarding this account, it has not been reported as disputed. I am filing this complaint because XXXX XXXX XXXX XXXX XXXX and its collection counsel Suttell & Hammer have failed to respond to two written dispute and validation requests sent by certified mail, have not provided any records proving I opened, authorized, or used this account, and continue to pursue collection of an alleged debt I dispute as not mine.

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 2026-06-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
I moved into XXXX XXXX XXXX on XX/XX/XXXX. I moved into a two-bedroom with XXXX children : XXXX Girls and XXXX boy. I stayed in that 2-bedroom until I was able to afford to move into a bigger 3-bedroom apartment. I paid XXXX for the security deposit and the first month 's rent. I was placed on a wait list for the 3-bedroom apartments. In XXXX, I was awarded for the 3-bedroom apartment. I had to pay more money for the security deposit to move into the 3-bedroom. Now my rent increase went up to XXXX monthly. I paid the remaining balance and then moved into the 3-bedroom. I was harassed every day by my new property manager, XXXX. She made me so XXXX because of the harassment ; I was forced to move. She would enter my apartment building while I was at work and my kids were home alone, and they were ages XXXX and XXXX. I was put on XXXX XXXX due to the harassment. I do not owe any move-in fee for this property because I have lived there for 8 years. I never received a deposit back, nor did I receive a letter, nor did I get anything from the courts about a balance owed. I want this dispute off my credit report. This is inaccurate information. This has affected my life and ruined my rental history.

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 2026-06-24 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: TX

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion , LLC ( 2d Cir. 2023 ) confirmed all objectively verifiable inaccuracies must be corrected ; Dept. of Agriculture v. Kirtz ( U.S. 2024 ) held no entity is immune from FCRA liability ; and Norman v. TransUnion , LLC ( E.D. Pa. 2023 ) resulted in a {$23.00} million settlement for failing to investigate disputes and allowing inaccuracies to remain. Accounts to Be Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2026-06-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/year>, MoneyLion pulled {$1400.00} from my account against a delinquent XXXX XXXX. I never gave XXXX my replacement card number. My old card was reissued, and a bank account updater service sent the new number to them automatically. I never re-authorized XXXX to debit the new card. XXXX XXXX of their own XXXX Terms says there is no obligation to repay an XXXX XXXX, and that XXXX warrants it has no legal or contractual claim against me for not repaying. They collected {$1400.00} on a balance they contractually disclaim any right to collect. I have revoked all payment authorizations effective immediately, and I requested a full reversal of the {$1400.00}. That money was set aside for my mortgage, and this debit is putting my home at risk.

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 2026-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> two ACH debits of our checkinng account from Citibank debited twice for a total of {$10000.00}. Calling CitiBank several times only led to long hold time and no response from Citibank.

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 2026-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 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: U.S. BANCORP
State: MA

Complaint narrative:
I was in XXXX XXXX on XX/XX/XXXX. At around XXXX while waiting for a cab, my wallet was stolen. Soon after. I called Elan and reported the card stolen. The next morning after checking my account, I see that a purchase was made at a XXXX shop after my card was stolen. I reported this as someone using my stolen card and ELAN issues a provisional credit. When I returned to the US I received a letter from ELAN reversing the credit saying tha t they jhad evidence that I received a benefit from this charge. I called them and told them that this charge was made after my card was stolen. They referred to a taxi charge, that was made earlier that day but was posted after my card was stolen They then accused me of reporting my card stolen and then using it. The representative says " we have seen this happen before '' By the way, the same person who stole my wallet used a debit card to make the same amount of charge at the same store., and that was credited in less than one week.

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 2026-06-25 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: TX

Complaint narrative:
Wells Fargo has wrongfully denied my fraud claim for a {$300.00} unauthorized XXXX transaction that occurred on XX/XX/XXXX. They provided a provisional credit and then reversed it. They claim because my name/card was used, it is an authorized charge. However, my identity was stolen to create that XXXX account. This is a clear violation of Federal Regulation E. I have filed an identity theft report. I demand Wells Fargo permanently return my {$300.00}.

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 monetary relief
Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I attempted to utilize a promotional offer from USAA stating I was " preselected '' for a credit card featuring a 0 % introductory APR on balance transfers through the XX/XX/XXXX billing cycle ( Offer expiration date : XX/XX/XXXX ). Relying on this explicit marketing, I submitted an application with the intent to consolidate high-interest debt. Upon approval, USAA engaged in what effectively amounts to a bait-and-switch tactic. Despite heavily marketing the card as a balance transfer tool, they issued a completely unusable credit limit of only {$500.00}. This nominal limit made it mathematically impossible to utilize the advertised promotional offer, while still inflicting a hard inquiry on my credit profile. Immediately following approval on XX/XX/XXXX, I contacted USAA customer service to request a manual credit limit reconsideration so that the card could be used as advertised. During this call, the USAA representative became hostile and verbally abusive. The representative explicitly used derogatory language, calling me a " XXXX '' for applying for the card. The representative then offered to delete the credit line from my account to close it out, but stated that the hard credit inquiry would not be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On behalf of my security this company ( Bank of America ) has violated the following laws, ( 15 usc 16666 ) 15 us 6802/15 use 680 ( 15 usc 1692g/15 us 1692 c ( c ) ( 15 usc 6802/15 usc 6801 ) Inquiries ( 15 usc 16816 ). I have not had ownership of this account Account Number XXXX in the amount of {$990.00}. Also, I did not agree for this debt collector company to share my personal information or contact me via email, text, etc. This is a direct violation of my privacy and we will be taking legal action if this account does not get deleted.

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 2026-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the repeated exposure of my personal information through one or more data breaches involving companies entrusted with my sensitive financial and personal information. As a consumer, I have discovered that my personally identifiable information ( PII ), including information such as my name, Social Security number, date of birth, address, financial account information, and other sensitive personal data, has been compromised through multiple reported data breaches. These incidents have placed me at significant risk of identity theft, financial fraud, unauthorized account activity, and long-term damage to my financial reputation. Financial institutions and consumer reporting entities have a legal and ethical obligation to implement reasonable administrative, technical, and physical safeguards to protect consumer information. The repeated exposure of my information demonstrates an apparent failure to adequately secure my sensitive data. As a direct result of these breaches, I have experienced : Ongoing concern regarding identity theft and financial fraud. The need to continuously monitor my credit reports and financial accounts. Emotional distress and loss of confidence in the institutions responsible for safeguarding my information. Increased risk of fraudulent accounts, unauthorized inquiries, and misuse of my personal information. Time and financial expense associated with protecting my identity. I respectfully request that the CFPB investigate this matter and require the company to : Explain how my personal information was compromised. Identify exactly what categories of information were exposed. Provide all records relating to the breach affecting my information. Explain what safeguards have been implemented to prevent future breaches. Provide complimentary identity theft protection and credit monitoring for an extended period. Remove any fraudulent accounts, inquiries, or inaccurate information that resulted from the breach. Compensate me for any financial losses or damages resulting from the company 's failure to adequately protect my information. Ensure full compliance with all applicable federal consumer protection and data security requirements. Consumers should not bear the burden of protecting themselves after companies fail to adequately safeguard highly sensitive personal information. I respectfully request that this complaint be investigated and that appropriate corrective action be taken. Thank you for your attention to this matter. 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: MS

Complaint narrative:
I am submitting this statement to formally report that I ama victim of identity theft. My personal credential- including my name, Social Security number, and other identity information were used without my knowledge or consent to fraudulently open financial accounts in my name. The perpetrator ( s ) also deposited counterfeit checks into these accounts, furthering compounding the fraudulent activity and creating a pattern of financial crime carried out under my identity.

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 2026-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX : Complaint Regarding Unauthorized or Unverifiable Hard Credit Inquiries Dear CFPB Representative, I am submitting this complaint regarding multiple hard credit inquiries appearing on my credit report. I am requesting an investigation into these inquiries because I do not recognize, recall authorizing, or have not been provided documentation establishing a permissible purpose for these inquiries. The following hard inquiries are being disputed : 1. XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX. XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), I request that each company and the applicable credit reporting agencies provide documentation demonstrating that these inquiries were initiated with my authorization and for a permissible purpose under federal law. If the furnishers or credit reporting agencies can not provide such documentation, I request that the inquiries be removed from my credit file immediately. I further request that the CFPB investigate whether these entities complied with the FCRAs requirements regarding permissible purpose and consumer authorization before accessing my credit information. I have attached supporting documentation, including a copy of my credit report highlighting the disputed inquiries, proof of identity, and proof of address. Thank you for your assistance in resolving this matter. I look forward to receiving confirmation that this complaint has been investigated and addressed appropriately. 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 2026-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo refused to deposit a legitimate {$16000.00} re-issued XX/XX/XXXX check. I provided an official IRS Account Transcript showing Transaction Codes XXXX ( original check cancelled ) and XXXX ( new check issued ). Branch staff falsely claimed the check was invalid based on a lagging public website and refused to call the federal XXXX XXXX XXXX XXXX ( XXXX ). I called the XXXX XXXX XXXX XXXX XXXX myself, and they confirmed the check is fully valid. Wells Fargo is improperly denying service, providing false information, and failing to use standard Regulation CC hold procedures to clear a valid government disbursement. ''

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