vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Wells Fargo allowed XXXX XXXX transactions to be sent out, totaling {$7700.00} over a XXXX period in increments from {$470.00} to {$2800.00}. This account has never had any online payment transactions in its banking history. This kind of bank activity clearly falls under suspicious behavior. I disputed the transactions with Wells Fargo, and they denied the claim XXXX times stating the XXXX transactions were completed through a secure online banking session using valid credentials. The XXXX denials were based on my XXXX complaints, the company failed to detect fraud but was the same denial signed by XXXX different representatives each time. Wells Fargo banking XXXX Wells Fargo is required to, and does, maintain XXXX, AI-driven, and manual monitoring systems for fraud detection and prevention, even during secure online by banking sessions. These measures monitor for anomalies, such as out of pattern transactions or unusual login locations, to protect against account takeovers and fraudulent, unauthorized activity in real time. Wells Fargo failed to identify in any of these denial letters, the failures I identified to protect my account with their secure measures. The photo attached is a clear sign of an attempt to clean out an account as quick as possible.

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 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable credit reporting. 

A collection account is reporting inconsistent balances across the credit bureaus. One bureau reports {$600.00} while the other two report {$720.00}. 

I disputed this with the credit reporting agencies. The account was verified as accurate. However, when I contacted the collection agency directly, they stated they are not the party reporting the monthly past-due status reflected on my credit report. 

Therefore, the credit reporting agencies verified payment history information with a furnisher who admits they did not report the information being verified. This means the investigation was not reasonable and the information can not be considered accurate under the Fair Credit Reporting Act. 

Because the account balance and payment history can not be consistently verified, the reporting is unreliable and damaging my credit profile while I am in a payment arrangement. 

Resolution requested : Permanent deletion of this tradeline from all credit reporting agencies due to failure to properly verify accurate information. 

I am not refusing payment and will continue my agreed payments. I am only requesting correction of inaccurate reporting. 


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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
On XX/XX/2026 I accidentally sent a {$20.00} cash app payment to a friend that is deceased on accident I immediately tried to reverse it but because person is deceased there is no one that can reverse it I filed a dispute with the company the same day and also filed a secondary dispute after they refuse that one and even after sending in proof of the person 's death they still refuse to return my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
The collection agency LVNV Collection statement that I am not paying my debt is not accurate. The account owed was to the creditor XXXX XXXX XXXX XXXX XXXX and has reached a payment settlement agreement with my debt settlement company XXXX finance and is currently being paid every month since XX/XX/year>. I hired them to settle my debts and started paying as of XX/XX/year>. They have reached an XXXX with XXXX XXXX XXXX XXXX XXXX to settle the amount owed. The Collection company was never hired by XXXX XXXX XXXX XXXX XXXX as they just bought the information on my debt from a listing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
The collection agency XXXX XXXX statement that I am not paying my debt is not accurate. The account owed was to the creditor First National Bank of Omaha and has reached a payment settlement agreement with my debt settlement company XXXXXX/XX/XXXX and is currently being paid every month since XX/XX/year>2025. I hired them to settle my debts and started paying as of XX/XX/year>2025. They have reached an Agreement with First National Bank of Omaha to settle the amount owed. The Collection company was never hired by First National Bank of Omaha as they just bought the information on my debt from a listing company.

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 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I had XXXX in my PayPal account. I attempted to transfer this to my XXXX account but XXXX can not accept this and sent back to PayPal. PayPal will not give the money to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
The finance manager informed me that I only needed to pay {$730.00} as of that day to close my account. I paid the whole amount on the same day, which is XX/XX/XXXX and received confirmation. Fast forward XX/XX/XXXX, discover wants more money. Discover also tried to threaten me that failure to pay monthly payments results in full balance becoming due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
On XX/XX/XXXX about XXXXXX/XX/XXXX I was attempting to find my account number for a debt I am very behind on. They claim it is on " my card '', a card that I never activated or received. There is no access to it online, and it is covered aside from the last XXXX digits on all of my statements. 

I called the bank, provided all security questions accurately, and despite being forwarded to multiple departments- all of them told me it is not possible to receive my account number. 
I was weary of telling them at the time, but I am filing for bankruptcy so I NEED this information. And I know it is not legal for them to refuse to provide it to me through every means available.

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 2026-02-18 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: CA

Complaint narrative:
I have been seeking employment and was contacted by a company named XXXX regarding a remote position. Below is the phone number they used to contact me and the initial message : ( XXXX ) XXXX Hi, this is XXXX XXXX from XXXX. We reviewed your resume, which was referred to us through Indeed, and we were very impressed with your experience. We believe you could be a great fit for our Remote Administrative Assistant position. This role offers flexible hours ( full-time or part-time ) and pays {$29.00} per hour. 

To schedule your interview, please contact our Hiring XXXX, XXXX XXXX XXXX, on XXXX XXXX using this link XXXX XXXX XXXX XXXX  Job Code : XXXX If the link doesn't work, you can add him directly on Teams using his email : XXXX You can message him now to choose an interview time that works best for you. 

Best, XXXX XXXX XXXX I proceeded to contact XXXX XXXX who eventually sent me a job offer and a check to buy supplies for work. The check was cleared by Wells Fargo on XX/XX/year> and I was then required to wire and XXXX money to various vendors for the work supplies. I was also required to purchase gift cards and send the information to XXXX XXXX. 
Here is the the information for the accounts I sent the money to : Bank Name : XXXXXXXX XXXXXXXX  Account Name : XXXX XXXX XXXXAccount Number : XXXX Routing Number : XXXXAccount Type : Checking\n Bank Address : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX Recipient address : XXXX XXXX XXXX, XXXX, XXXX XXXX Vendors XXXX email : XXXX Vendors Name : XXXX XXXX Wells Fargo proceeded to revert the check a few hours later ( after business hours ) because of the signature, which is when I finally realized something was wrong. I provided the details above to Wells Fargo, but I was told that there is no way to trace or 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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX I received a statement from Target. They didnt verify or prove what I was asking for to thoroughly prove debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: DISCOVER BANK
State: CA

Complaint narrative:
Someone opened a credit card account from discover and now Im in XXXX XXXXXXXX debt because of this. Someone stoled or used my identity to open a credit card card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I issued a business check in the amount of {$3700.00}, payable to the XXXXXX/XX/XXXX, for a federal tax payment. 

The check was stolen and materially altered. The original payee ( XXXXXX/XX/XXXX ) was physically whited out and replaced with a different name, and the check was fraudulently endorsed to match the altered payee. The altered check was then deposited via remote deposit and paid from my Truist business account. 

The alteration is obvious on the face of the check. The payee line shows visible correction fluid and overwritten text, and the endorsement matches the fraudulent payee name. 

My Truist bank statement covering this transaction was issued on XX/XX/XXXX. I discovered the altered check on XX/XX/XXXX, and I immediately notified Truist the same day and submitted a fraud claim. 

Truist denied the claim, stating that it was denied due to untimely reporting. I escalated the matter multiple times, including review by an escalation representative, but Truist has repeatedly stated that the case is closed and has refused further review. 

This was not merely an unauthorized signature. This was a material alteration of the payee under Georgia law. Under Georgias Uniform Commercial CXX/XX/XXXXe ( XXXX. XXXX ), a materially altered instrument is not properly payable. Additionally, under presentment warranty provisions ( XX/XX/XXXXXXXX ), the bank that accepted the check for deposit warranted that the instrument had not been altered. 

Truist accepted and paid a visibly altered check via remote deposit, which reflects a failure to exercise ordinary care. Truist is attempting to deny liability solely based on notice timing while ignoring its own acceptance of a materially altered instrument and breach of presentment warranties. 

I am requesting that Truist reimburse the {$3700.00}, along with applicable interest and any related costs, and that this matter be reviewed by Truists executive resolution team rather than closed based solely on reporting timing.

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 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Shortage Mismanagement I am filing this complaint against Wells Fargo Bank regarding persistent and predatory escrow mismanagement on my mortgage account. Despite being property tax-exempt, which limits my escrow obligations solely to homeowners insurance, Wells Fargo continues to manufacture " shortages '' and increase my monthly payments arbitrarily. 
The specific issues are as follows : Failure to Credit Full Shortage Payments : I have repeatedly paid identified escrow shortages in full via lump-sum payments on XX/XX/year> and XX/XX/year>. Under XXXX XX/XX/XXXXXXXX (XX/XX/XXXX), if a shortage is paid in full, the servicer should adjust the monthly payment to reflect the current liability. Wells Fargo has failed to do so, continuing to include a " shortage spread '' in my monthly bill for debts that have already been settled. 
Illegal Cushioning : My latest statement indicates a " required minimum balance '' that significantly exceeds the legal limit. Per XX/XX/XXXXSection XXXX, a servicer may only maintain a cushion of XX/XX/XXXX ( XXXX ) of the total annual disbursements. As my account only handles homeowners insurance, any cushion exceeding XXXX months of that premium is a direct violation of federal law. 
Refusal to Provide Transparent Accounting : On XX/XX/year>, I spoke with a representative who was unable to provide a mathematical breakdown of why my payments continue to rise despite my lump-sum settlements. The representative spoke in circles and could not explain why my paid-in-full status is not reflected in my current monthly demand. 
Requested Resolution : I am requesting a manual escrow audit and a corrected Escrow Disclosure Statement that reflects myXX/XX/XXXXshortage balance. I further request a refund of any over-collected " cushion '' funds and an immediate adjustment of my monthly mortgage payment to reflect only the actual cost of my insurance premium plus the legally allowed XXXX cushion.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase for their failure to resolve a legitimate billing error regarding a returned item. I am disputing a charge of {$820.00} for a XXXX XXXX XXXX " XXXX '' XXXX ( Order # XXXX ). Chase denied my claim ( Claim # XXXX ) on XX/XX/XXXX, stating the transaction was " authorized. '' This is a fundamental failure to investigate a return credit dispute. 
I have followed every protocol for a return and have irrefutable proof that the merchant has received the item : Proof of Delivery : XXXX XXXX XXXX confirms the package was delivered on XX/XX/XXXX, at XXXXXXXX XXXX  to the merchant 's location in XXXX, PA, and was received by " HOST ''. 
Merchant Confirmation : On XX/XX/XXXX, I received an official automated email from XXXX confirming they received the return at their center. 
Written Promises of Refund : I have contacted XXXX support multiple times. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, various representatives ( including " XXXX '' and " XXXX '' ) explicitly promised me a full refund. They have failed to fulfill these written promises, and the merchant is now providing false statements to Chase claiming the item was never received. 
Chase has ignored the provided XXXX evidence of the tracking and chat logs. By refusing to reverse the charge, Chase is allowing the merchant to keep both my {$820.00} and the returned merchandise. I have provided legal proof of delivery ; the merchant 's internal inventory errors are not my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am writing to report a failure by Barclays Bank Delaware to deliver a core advertised benefit of the XXXX XXXX XXXXXXXX XXXX. I have met the required spending threshold to earn XXXX XXXX XXXX XXXX. Barclays explicitly advertises that this status is granted within 3-4 business days of meeting the requirement. 

It has now been 10 business days since I met the requirement, and the status has not been applied to my account. I have contacted both Barclays and XXXX XXXX multiple times. Barclays claims they have " sent the data '' to XXXX, while XXXX claims they have " not received any notification '' from Barclays. 

Both have been incredibly unhelpful and simply point fingers at each other. 

Both have promised to escalate and get back to me but neither has.

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 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I am submitting a formal complaint regarding XXXX XXXX and its contracted collection agency, Transworld Systems Inc. ( TSI ), concerning an inaccurate and improperly collected wireless account balance. 

I terminated XXXX XXXX in late spring/early summer XXXX when I ported my service to XXXX XXXX XXXX XXXX At that time I personally visited a XXXX corporate retail store and made an in-person payment in good faith to settle the account. The store location was : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Before closing the account, I also had multiple conversations with Verizons retention department regarding device handling and account closure requirements. I followed the instructions I was given. Any failure to properly apply or reconcile those instructions is an internal XXXX accounting issue and not a consumer default. 

Months later, XXXX began issuing contradictory billing notices reflecting materially different balances. These included approximately {$260.00} ( XX/XX/XXXX email ), {$390.00} ( Right to Cure notice ), a prior notice exceeding {$1300.00}, and most recently {$1100.00}. These inconsistent and changing balances demonstrate the account was never properly reconciled. 

Despite the account being disputed and unresolved, XXXX referred the account to a third-party debt collector, Transworld Systems Inc . 

On XX/XX/XXXXXXXX  I sent formal written disputes via Certified Mail to BOTH XXXX XXXX and Transworld Systems Inc. disputing the debt and requesting investigation and validation. I have signed return receipts proving both parties received the dispute letters. 

After receiving my dispute, collection activity did not stop. Instead : I continued receiving billing statements from XXXX demanding payment The balance remained inconsistent and unverified A collection agency attempted to collect the debt More concerning, Transworld Systems Inc. contacted my adult son a third party by telephone and text message and explicitly identified XXXX XXXX and directed him to access the alleged debt through a payment link. My son is not a party to the account and was not authorized to receive information about my alleged debt. 

This appears to be an unlawful third-party disclosure under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( b ) ).

I am not refusing to pay a legitimate debt. I am disputing an inaccurate and unreconciled account balance that XXXX has been unable to consistently calculate. 

XXXX has continued billing and collection activity despite : a formal written dispute conflicting balances ongoing investigation requirements I am requesting regulatory assistance to resolve this matter.

Company response to consumer: Closed with explanation