vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 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: AZ

Complaint narrative:
On XX/XX/year>, I was a victim of fraud and sent {$900.00} through XXXX XXXX, which was funded by my Wells Fargo debit card checking account. The transaction occurred only because I was misled by false representations made by the recipient. I immediately reported the transaction to Wells Fargo as fraudulent. Wells Fargo summarily denied my claim without any investigation stating that I authorized the payment. However, the authorization was obtained through fraud and deception. I did not authorize any legitimate transaction with knowledge of the true facts. I never received the goods at issue, nor did I receive my money back. My consent was obtained solely by fraud and deception. Under Regulation E, an electronic fund transfer initiated because of fraud or deception may still be considered unauthorized. Wells Fargo closed the claim without properly evaluating any of the circumstances of this fraud and without providing any information or evidence that the transaction was authorized under applicable law. I am requesting that Wells Fargo properly investigate this claim and provide provisional credit as required for unauthorized electronic fund transfers.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and improper interest charges by Bank of America. In XXXX, my Bank of America account was frozen after a check I deposited was later determined to be fraudulent. I was not aware the check was fraudulent at the time of deposit. After this occurred, Bank of America restricted my account access for approximately 90 days. During this period : I was locked out of the mobile app I was unable to make payments online I was unable to access my account to manage my credit card balance I was not provided a functional method to make a payment in person Despite this restriction, Bank of America continued to : Charge interest to my credit card account Accrue additional balance Report missed payments to the credit bureaus This resulted in late payments and increased utilization being reported, even though I had no reasonable ability to make a payment due to the access restrictions placed on my account by the bank itself. My account was eventually closed by Bank of America on XX/XX/. I am not disputing ownership of this account. However, I am disputing the accuracy and fairness of the reported delinquencies and accrued interest that occurred during the time Bank of America prevented me from accessing or paying the account. I am requesting the following : Removal of late payment reporting that occurred during the restricted-access period Review and reversal of interest charges applied during the period I was unable to make payments Correction of any inaccurate negative reporting caused by the account freeze It is my understanding that creditors should not report delinquency caused by their own restrictions that prevent payment access. I am requesting that Bank of America investigate this matter and correct the reporting to reflect the circumstances accurately. 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 monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I am submitting a complaint regarding multiple debt collection accounts. The collection agencies have been repeatedly contacting me regarding debts that I am disputing and/or requesting that they cease collection activities. Despite prior communication requesting that all collection efforts stop, I continue to receive calls and letters. The accounts in question are : Midland Credit Management XXXX Act Indigo # XXXX Amount : {$940.00} XXXX requested that collection efforts cease on XX/XX/year>. XXXX XXXX Bank XXXX Act # XXXX Amount : {$970.00} I requested a cease-and-desist on [ insert date ]. XXXX XXXX XXXX XXXX # XXXX Amount : {$550.00} I sent a written request to stop collection communications on XX/XX/year>. XXXX XXXX Systems XXXX XXXX Act # XXXX Amount : {$1200.00} I have disputed this account and requested that all collection activities cease on XX/XX/year>. XXXX XXXX XXXX XXXX Act # XXXX Amount : {$490.00} XXXX requested validation of the debt and that collection efforts stop on XX/XX/year>. Despite my written requests, these companies have continued to contact me, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ). I am seeking enforcement to ensure that all collection efforts cease and that these companies comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
What happened? U.S. Bank denied my credit card dispute after concluding that the merchant proved I received the services represented by the transaction. This conclusion ignores material facts, mischaracterizes the nature of the dispute, and reflects an unreasonable investigation that relied solely on the merchants work order while disregarding evidence of misrepresentation, omission, and safety failure. This dispute is not about whether a repair occurred. It is about whether a paid Safety & Preventative Maintenance Inspection was performed completely and disclosed material defects that would have altered my financial and safety decisions. Key Facts XXXX of XXXX XXXX performed an ABS/ESP hydraulic repair and a Safety & Preventative Maintenance Inspection XXXX The vehicle was returned as road-safe, with no disclosure of major mechanical concerns. Less than 800 miles later, the front Airmatic suspension collapsed at freeway speed, creating a near-catastrophic safety incident. A subsequent inspection by the same dealership identified over {$10000.00} in previously undisclosed repairs, including ruptured engine mounts, leaking cam-solenoid seals, transmission mount failure, and other critical defects. The ABS/ESP issue for which I was charged has since resurfaced, raising further concerns regarding workmanship. XXXX XXXX later offered a goodwill credit toward a new or Certified Pre-Owned vehicle, reflecting acknowledgment of serious service failure and customer safety exposure. Bank Handling Concerns U.S. Bank relied exclusively on the merchants assertion that services were performed. The bank did not address whether the safety inspection was materially incomplete or misrepresented. The bank did not provide copies of merchant documentation relied upon despite my request. The provisional credit was issued, reversed, reinstated, and reversed again, reflecting procedural instability. The investigation focused narrowly on proof of repair delivery while ignoring whether the service itself was performed as represented. Consumer Harm Exposure to significant physical danger Financial loss Deprivation of informed decision-making Unreasonable dispute investigation Had the dealership disclosed the true repair scope initially, I would not have invested further in an XXXX vehicle and would have purchased another car. Requested Resolution Reopen and reconsider the dispute Provide merchant documentation relied upon Apply Visa Reason Code XXXX correctly Reinstate disputed funds

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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CT

Complaint narrative:
I am submitting a complaint regarding multiple debt collection accounts. The collection agencies have been repeatedly contacting me regarding debts that I am disputing and/or requesting that they cease collection activities. Despite prior communication requesting that all collection efforts stop, I continue to receive calls and letters. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$940.00} I requested that collection efforts cease on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$970.00} I requested a cease-and-desist on [ insert date ]. XXXX XXXX XXXX XXXX # XXXX Amount : {$550.00} I sent a written request to stop collection communications on XX/XX/year>. Jefferson Capital Systems XXXX XXXX Act # XXXX Amount : {$1200.00} I have disputed this account and requested that all collection activities cease on XX/XX/year>. XXXX XXXX XXXX XXXX Act # XXXX Amount : {$490.00} I requested validation of the debt and that collection efforts stop on XX/XX/year>. Despite my written requests, these companies have continued to contact me, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ). I am seeking enforcement to ensure that all collection efforts cease and that these companies comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: Collection Bureau of America Ltd.
State: NY

Complaint narrative:
Date : XXXX - Collection Bureau of America Ltd emailed me claiming I owe {$68.00} to XXXX XXXX and XXXX. - I was never contacted via mail. - I responded to their email disputing the debt using the email address they designated for electronic disputes. - They never responded or acknowledged my dispute. - I checked my XXXX XXXX XXXX account it was closed with no active service or pending payments. - I have a bank transaction showing a payment of approximately {$68.00} to XXXX XXXX XXXX The date of this payment matches the date the collector has on file for the alleged debt. Date : XXXX through XXXX- Collection Bureau of America Ltd never responded to my dispute. - They reported the {$68.00} account as derogatory to all three credit bureaus despite my unresolved dispute. Date : XXXX - I was notified by XXXX of a new {$68.00} collections account on my credit report. - I filed disputes with XXXX and XXXX. Date : XXXX - I filed a dispute with XXXX. - I filed this complaint. Additional Context : - I had XXXX mail forwarding set up before XX/XX/year>. I never received any mail from this collector. - They ignored my dispute, never sent written validation, and reported to the credit bureaus anyway. - My bank records suggest this was never really debt to start with and was paid to the original creditor as agreed and most likely a computer / clerical error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I'm XXXX XXXX, the owner of XXXX XXXX XXXX. I also own the paypal account " XXXX XXXX '' under my personal name. I run a digital marketing and content distribution platform for XXXX games. I had received a payment of {$2500.00} on XX/XX/year> for our first campaign by XXXX XXXX XXXX. I've since used some for funding creators and even utilizing Paypal 's built in XXXX payment to payout creators. I was randomly taken down on XX/XX/XXXX without reason being given and redirected to a vague article for what could be the reason. I opened a ticket with Paypal support to dig into the reasons why the account was taken down. I was given a vague answer and they said they'd look into it, and would reply back within 3 days. They had not replied within 3 days, and even closed my ticket without responding nor emailing the reasons, or what the outcomes of the re-check were. This has since halted many of my business payment processing and even redirecting us to different services that can support us reliably. We have not broken any of Paypal 's Terms of Service, and would like our account restored along with our money that's currently on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing this complaint regarding a disputed credit card in the amount of {$2600.00}. On XX/XX/year>, a XXXX XXXX ticket was purchased using my Chase credit card without my authorization. I discovered the charge within days and immediately reported it to Chase as fraudulent. Chase closed the compromised card and issued me a replacement card. They removed the charge from my account. On XX/XX/year>, Chase informed me by phone that they are closing the case and that I am responsible for the charge solely because the ticket was originally purchased in my name. However, the fact that the ticket was initially issued in my name does not establish authorization or receipt of the benefit. The ticket was later reissued under a different individual 's name, and I did not travel or receive any goods or services from this transaction. Chase was able to provide me with the ticket number, city pair, and the intended date of travel. I contacted XXXX and they were able to confirm that the ticket was initially issued in my name, it was exchanged and reissued under a different individual 's name and the itinerary was modified. I opened up an investigation with XXXX and asked them to send me a copy of the itinerary. I also filed a police report regarding this unauthorized purchase. Despite providing documentation showing the ticket was transferred to another person, Chase has maintained that the transaction is valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: WA

Complaint narrative:
I applied for a Tesla vehicle lease during an active promotional period that included a {$6500.00} lease credit. I submitted my lease application and consented to a hard credit inquiry during the promotional window. ( Order number - XXXX, placed on XX/XX/year> ). My lease application was approved during the promotional period. At the time of ordering, Tesla estimated delivery would take 23 weeks. Delivery timing was not within my control. After the promotional period ended on XX/XX/XXXX, Tesla refused to honor the {$6500.00} lease credit, stating that delivery needed to occur before XX/XX/XXXX despite the estimated delivery window extending beyond that date at the time of order. Tesla has confirmed this is their final decision. As a result : A hard credit inquiry was placed on my credit report. My {$250.00} order fee has not been refunded. The promotional lease terms under which I applied were not honored. I attempted resolution through Teslas showroom team and finance department. Each directed me to the other, and no resolution was offered. I believe it is unfair to conduct a hard credit inquiry and retain fees when the promotional terms relied upon at the time of application are not honored due to delivery timing outside the consumers control. I have not been refunded fo the amount either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The XXXX credit card was suddenly closed by XXXX. I paid it. XXXX XXXX. I see it paid of on experian. This proves how XXXX lies. They sold of a paid credit card to Midland. And their coming after it with false evidence. This proves XXXX creates false evidence Midland does too. In the experian report you can also see XXXX commenity bank accountswith cero balance. Those XXXX accounts say potentially negative but on top of the XXXX account theirs no negative and it says for over a dozen months closed. And paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Navy Federal Credit Union has been harassing me about insurance for over XXXX months at this point. I have provided them all the necessary information over the phone, policy documents physically mailed to them as well as on their online portal. They continue to send letters stating they will get insurance and charge me for it as well as sending me letters stating mislabeled mortgagee. I have asked them multiple times to stop harassing. I do not know what else to do at this point. Someone needs to put a stop to this harassment by their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: FL

Complaint narrative:
I am filing this complaint regarding Wells Fargos denial of my XXXX dispute for a transaction dated XX/XX/year>, in the amount of {$3200.00}, which was sent via XXXX. I authorized the transfer based on the sellers representations that the item was authentic. After receiving the item, I discovered it was counterfeit and materially misrepresented. Therefore, my authorization was obtained through fraudulent misrepresentation. I notified Wells Fargo promptly after discovering the fraud and requested an investigation under Regulation E ( Electronic Fund Transfer Act ). My claim was denied solely on the basis that the transaction was authorized, without addressing that the authorization was induced by deception. Under Regulation E, an electronic fund transfer obtained through fraud constitutes an error requiring proper investigation. I am requesting that Wells Fargo : Conduct a full Regulation E re-investigation Provide the specific written basis for denial Reimburse the {$3200.00} due to fraudulent inducement I have documentation supporting the counterfeit nature of the item and dispute records with 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 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint regarding billing misrepresentation, mishandling of returned equipment, and wrongful referral to collections by XXXX XXXX XXXX. I switched to XXXX XXXX XXXX because I was seeking better phone service that included home WiFi and affordable monthly payments. We were offered a promotion for XXXX phones and were clearly told the monthly cost would be approximately {$140.00} per month with no hidden fees. Based on that information, we agreed to switch. Shortly after activation, we received a bill for {$670.00}, which was never disclosed during the sales process. While we were actively speaking with XXXX XXXX XXXX representatives to understand the charges, we were informed that these amounts were part of the account. Because this was drastically different from what was promised, we made the decision to cancel immediately. During the initial setup, the XXXX XXXX XXXX representative also sent the phones to the wrong address. We clearly confirmed XXXX times that the correct address was XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite this, the devices were sent to XXXX XXXX XXXX XXXX XXXX. I have proof that the package was not received at that incorrect address and was returned. We then went in person to the XXXX XXXX XXXX store at XXXX XXXX XXXX XXXX XXXX XXXX XXXX to resolve the issue. The process was repeated, and my sister was required to make another payment. We also initiated trade-ins of our old phones and received new devices in-store. When we later cancelled the service through the phone, the next day, after we saw the bill, the XXXX XXXX XXXX representatives instructed us to return the phones by mail to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were specifically advised that returning the devices in person could create complications and that mailing them using their prepaid labels was the proper method. We followed those exact instructions. XXXX XXXX XXXX provided the prepaid return labels, and we returned all devices. I have proof of shipment and confirmation that the devices were delivered in the images below. You will see XXXX label includes XXXX phones and the other label includes the last one, so XXXX packages. Despite this, we later received conflicting statements from XXXX XXXX XXXX at XXXX point being told the devices were received, and later being told they were not. We requested verification of their internal records but did not receive consistent or helpful assistance. XXXX XXXX XXXX has now placed this account with XXXX collections despite the service being cancelled promptly and all equipment being returned according to their instructions.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
It's been XXXX days since I reached out to Bilt Customer service related to a hacking / account takeover. The company has failed to secure my account despite multiple attempted correspondences. I still do not have access to my account which includes personal private identifying information - inculding my home address, phone number, and checking account. I suspect my reward points have been also taken over, but again I can not verify as the company has not restored access to my online account. Bilt has not taken any accountability for their lack of account security or recovery ability. I believe it's a systemic issue in their customer service support that needs to be addressed in order to protect customer data.

Company response to consumer: Closed with explanation