vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, twin balance transfers were initiated from a XXXX XXXX account ( ending XXXX ) to XXXX credit portfolios held with the respondent institution : a XXXX dollar transfer to virtual parameter XXXX ( primary account XXXX ) and a XXXX dollar transfer to virtual parameter XXXX ( primary account XXXX ). Execution was based on explicit verbal authorization delivered by staff under XXXX XXXX XXXX XXXX ( Representative XXXX ), confirming virtual accounts as valid routing endpoints. XXXX logs from the originating institution confirm funds were cleared and released on XX/XX/year>. Due to an operational routing conflict within the respondent 's internal virtual card network, the funds were held in non-posted ledger limbo for 29 days, eventually posting to the accounts on XX/XX/year>. Because the respondent 's network temporarily rejected these authorized incoming transfers, a cascading technical failure was forced onto an automated account profile where auto-pay was active. On XX/XX/year>, the institution assessed a punitive returned payment charge of XXXX dollars, categorized as an " XXXX Funds '' error. Checking account transaction ledgers thoroughly refute this classification, demonstrating that the account was fully funded and executing parallel auto-pay demands normally during this window. This returned payment charge artificially generated a 15 days past due delinquency status and a minimum payment demand of XXXX dollars on primary account XXXX. A direct structural contradiction is documented in the respondent 's handling of these identical files : primary account XXXX was cleared to a XXXX dollar balance, whereas primary account XXXX was kept in an active penalty state until the transfer posted on XX/XX/year>. While the core balance has updated to reflect a current balance of XXXX dollars, the unmerited XXXX dollar returned payment charge remains actively applied to the ledger. A comprehensive formal dispute package anchoring these chronological facts and cross-referenced screenshots was transmitted via fax to the institution 's dispute department on XX/XX/year>. The institution has failed to acknowledge the transmission or process the dispute, leaving the user exposed to ongoing commercial and credit reporting 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 monetary relief
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I don't know anything about this debt .It must be fraudulent

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
These inquires don't belong to me : Citi Bank XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Following my initial report with Lien Enforcement Inc., the collection agency sent a written response refusing to provide a standard, signed PDF Settlement Agreement or payment contract, despite my written acceptance of their proposed XXXX XXXX framework. The owner, XXXX XXXX, explicitly stated in writing that the agency will not execute additional documents or provide a signed contract as a condition of accepting payments. Furthermore, the agency 's written terms arbitrarily inflated the verified balance of {$2200.00} up to an unverified {$2200.00} and threatened vague " accrued interest '' if a payment is missed, while refusing to put a frozen 0 % interest rate or the exact balance into a signed corporate document. Demanding that a consumer input personal banking information into an online portal without providing a signed, legally binding bilateral contract ( while simultaneously threatening to halt voluntary resolution ) constitutes an unfair, deceptive, and abusive practice ( UDAAP ) under federal consumer law. I am ready to pay, but the collector is actively refusing to provide standard, signed legal verification of the contract terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/XXXX, from XXXX XXXX XXXX XXXX, I chatted with a USAA chat XXXX for my statements and removal records. The XXXX : confirmed the XX/XX/XXXX removal request from notes on my profile that he said were " too far away to review '' and could not open ; located XXXX removal-signature documents on my profile but sent only XXXX to my USAA inbox XXXX neither of them for the account I asked about, and said the other XXXX are " not eligible to be sent again '' ; told me no statements are available to me for the checking account or the credit card, even though the records " may still exist '' because the account is still open; told me " there would be no request you can submit to get this information '' ; and told me there is no way to escalate. He confirmed that documents on active accounts are retained up to XXXX years, and the checking account remains open and active today ; a statement from it dated XX/XX/XXXX exists.

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hi for the past week or couple days Ive been getting hard inquiries on my credit report and I dont know why and Im not apply for no credit card I would like to get this remove because these hard inquiries are not by me these are fraud And now I just got another from Citi bank

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 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GB Collects, LLC
State: OH

Complaint narrative:
Received a notice from GB Collects , LLC With the address of XXXX XXXX XXXX XXXX. XXXX, NJ XXXX. Notice states that my company has a debt of {$3200.00} with a company named XXXX XXXX XXXX XXXX. This is inaccurate because I never heard of this company and my company is brand new with no possible debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX North Carolina SUNRISE CREDIT SERVICE XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/year> Account Number : XXXX Amount : SUNRISE CREDIT SERVICE - XXXX : {$640.00} To whom it may concern, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. S 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F D.C.P A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you. Please provide me with the below mentioned items : * The amount you claim the respondent owes you * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. * Chain of Title of ownership of the debt * Error & Omissions Insurance

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 2026-07-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo for an egregious violation of the Fair Credit Reporting Act ( FCRA ) and CARES Act credit reporting protections. Wells Fargo has inaccurately reported my closed mortgage account with severe, contradictory derogatory status remarks, destroying my credit rating as a direct penalty for paying my loan off in full.The chronological facts of my account are as follows : Approved Forbearance : I was placed into an approved, contractually agreed-upon forbearance program with Wells Fargo.Transition Period : Prior to the payoff, the forbearance was in the process of being transitioned into a loan modification, which Wells Fargo indicates was to be effective as of XXXX XXXXFull Account Payoff : On XX/XX/year>, instead of executing the modification, I exercised my legal right to pay off the entire mortgage balance. Wells Fargo officially confirmed that my full payoff payment was received on XX/XX/XXXX, XXXX.Wells Fargo officially updated my account status to " Paid in Full '' with a {$0.00} balance.Because I chose to pay off the mortgage entirely rather than completing the modification. Wells Fargo, logged me as " XXXX days late '' for XX/XX/year> and " XXXX days late '' for XXXX XXXX XX/XX/year> Reporting : The credit report shows me as " XXXX days late '' for XXXX XXXX exact month Wells Fargo XXXX XXXX my 100 % full payoff wire.Impossible XX/XX/year> Reporting : Even more egregious, the report marks me as " XXXX days late '' in XX/XX/year>, an entire month after the account was contractually closed, terminated, and held a {$0.00} balance. A consumer can not be legally past due on a closed account with no active balance, no payment obligations, and a {$0.00} outstanding debt.Forbearance Misreporting : Under the FCRA/CARES Act, a servicer can not retroactively report an account as delinquent for months spent in an approved forbearance status.I have contacted Wells Fargo directly to resolve this internal system failure, and they have refused to correct it, falsely claiming their inaccurate automated reporting is correct. Both their written letter and their electronic credit bureau data stand as absolute proof of their data corruption.Requested Resolution : I request that the CFPB compel Wells Fargo to immediately update all credit reporting bureaus ( Equifax, Experian, and TransUnion ) to completely delete the " XXXX days late '' derogatory electronic remarks, remove all retroactive delinquencies during my forbearance period, and accurately report the historical status as " Current/Paid in Full '' with a {$0.00} balance.

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 2026-07-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CO

Complaint narrative:
This is a gift card which I received ( {$200.00} ) which XXXX was trying to use. It did not work online or in any store. I called the prepaidgiftbalance customer service. They asked me that card is not activated and to go to their website and upload details ( ID PHOTO and CARD PHOTO ). That did not work. The website said to call them again. I called again in XXXX minutes and the customer representative now said the card is reported stolen and there is no balance on the card. I havent used the card anywhere and never reported it stolen and I can not even use the money. The company is not helping to retrieve the money.

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 2026-07-08 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
State: CA

Complaint narrative:
I am filing this complaint against Wells Fargo for an immediate violation of Regulation E ( Electronic Fund Transfer Act ). I recently opened a new personal checking account with Wells Fargo and deposited {$1400.00}. Before I received my physical debit card or my PIN, both envelopes were intercepted and stolen from the United States Mail. A third party used the stolen card and PIN to conduct multiple unauthorized transactions, draining my account. I immediately disputed these unauthorized charges with Wells Fargo. The bank summarily denied my dispute the very next day, offering no reasonable investigation. Under Regulation E ( 12 CFR 1005.2 ( a ) ( 1 ) ), a consumer is only liable for unauthorized transactions if the debit card qualifies as an " accepted access device. '' Because I never received, validated, or activated the card or PIN, the device was never " accepted '' by me. Legally, my liability for these fraudulent charges is exactly {$0.00}. Furthermore, by issuing an automated denial within XXXX hours without investigating the mail delivery failure, Wells Fargo has failed its statutory duty to conduct a " reasonable investigation '' under 12 CFR 1005.11. I have taken proper consumer action and filed official crime reports regarding this federal mail theft and identity fraud : Local Police Department Report Number : [ Temporary Tracking Number : XXXX from XXXX XXXX Department ] The police report is currently processing. I have the temporary tracking number and can provide the final PDF once the precinct releases it. U.S. Postal Inspection Service ( USPIS ) Case Number : [ XXXX ] Wells Fargo has left me trapped in an endless cycle of phone transfers, and no frontline representative will reopen this case. I request that Wells Fargo immediately comply with Regulation E, reopen this dispute, issue a provisional or permanent credit of my {$1400.00}, and investigate the mail compromise on their delivery end.

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 2026-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/year> I had received a call at XXXX and did not answer because of it being an unknown number that was not saved, They left a voicemail XXXX minute and XXXX seconds long, I listened to the voicemail and its of someone masterbating or doing XXXX XXXX in the voicemail message. This is completely disgusting, disturbing, and unacceptable behavior for a customer to receive a voicemail from the auto finance bank. I called the number back XXXX ( XXXX ) and explained my situation and need to speak to a supervisor immediately and all was done was an apology but they dont have control over that and i did not apply enough information for the supervisor to communicate with me I gave them date and time the voicemail was sent as well as how long the voicemail was and even offered to send the voicemail over to the supervisor and it wasnt enough information given still. Ally bank services in my auto bank company that i had got this missed call and voicemail from.

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 2026-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: GA

Complaint narrative:
On XX/XX/year> I made an attempt to make a purchase using my crypto currency and immediately received a message stating " We're reaching out to inform you that your recent withdrawal request is taking longer than usual to process. We understand that timely access to your assets is important, and we strive to minimize transaction delays. If no security issues are identified, your withdrawal will resume automatically within the next XXXX hours. '' Within minutes of receiving that message I emailed XXXX support and they sent me another email stating " These restrictions will remain in place for a period of XXXX days from the date of this notice, and can not be lifted early per our security policy. After XXXX days, you may submit a request to have these restrictions lifted. We understand this may cause some inconvenience, but these measures are in place to ensure the security of your assets. While these restrictions remain in effect, we encourage you to take the following steps to secure your XXXX account : '' Once the XXXX days was up, I emailed XXXX starting on XX/XX/year>, XXXX and XX/XX/year> to remove the hold from my account so I can have access to my money. I have lost a lot of money due to this inconvenience, but at this time I am requesting the hold to be removed from my account. XXXX does not have a phone number to call. This is a crypto company and they should never be holding anyone 's money! Please request that they remove the hold from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: NY

Complaint narrative:
They did send me a paid in full lease letter stating the lease was paid in full and closed and XXXX amount was owed. However after XXXX months of letters and disputes a number of times with all XXXX credit reporting agencies the amount of XXXX is said to be owed and the car was reported as a repo. Now they are demanding after XXXX days that the amount is owed to them. I explained that the amount claims it for the lease. Now they claimed by phone call today that it is for the over mileage. This was not sent to me as a separate invoice for specific miles, it was sent as remaining amount for a lease that was paid in full and closed. They told me that my credit reports are my problem in so many words. Very disappointing.

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 2026-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
Full of XXXX : Assailants, from foreigner countries, who are full of XXXX, hate, XXXX and animosity continue to ruin my bank accounts, credit cards, and other accounts. They also removed me from AutoPay at First Access. This caused a late fee. I asked them to remove the late fee and instead First Access or a diseased foreigner, hacking my sim numbers, changed my card number. My, hacked, phone numbers are XXXX, XXXX, and XXXX. First Access allowed these criminals to change my card number, ending in XXXX, to a different number. They are copying my sim numbers at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX These hackers are causing XXXX problems. I valued this company, and other credit companies, paying them hundreds of dollars and or / {$160.00}. I did not want First Access to change the number. The card number, XXXX, is my favorite number which reminds me of my deceased mother, XXXX XXXX. We had large bank accounts including the number XXXX. My mother and father, who were married, had won large settlements. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are jealous of me and they have stolen banking statements or debit cards and they continue to steal from my family 's bank accounts with fraud checks and stolen banking statements. They believe that the, married, or committed, white, male, CEOs are going to help them keep their fraud accounts .These sim hackers are strangers to my parents and I. If our debit cards or funds were stolen, online, claims were filed, and the money was returned .It was later robbed by other ( different ) assailants. I am the only person who went to the bank with my father to sign documents .I had a pending court case. Sim hackers had hacked my relatives phones and they caused my relatives including my dead mother to pass away. The phone would get very hot. They hacked her phone number, of XXXX, sending her to the hospital, where she was tortured and died. I would like to reestablish my card number ending in XXXX. And I need a late fee removed. If he does not allow me to keep the same card number I would like my {$160.00} refunded. Thanks and have a blessed day.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have contacted the hospital responsible for the bill they will not provide the itemized bill for review and the collection company only has a bill with no medical codes so I can not review it for errors. When I asked the hospital they accidentally sent me another patient XXXX and then after I informed them said they can not provide the itemized bill at all.

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