vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XXXX XXXX XXXX a transaction totaling {$5300.00} was made using my debit card to purchase a vehicle. This transaction was not authorized by me. At the time, my card had been misplaced and was used without my permission. As soon as I discovered the unauthorized charge, I contacted the bank and filed a fraud dispute on XX/XX/year> for the {$5300.00} transaction. I also filed a police report regarding the unauthorized use of my card and provided documentation explaining that I did not approve or make this purchase. The transaction was connected to a vehicle purchase, and I have provided information showing that I was not the authorized buyer or owner of the vehicle. I also submitted a signed affidavit and supporting documents during my appeal. Despite submitting this documentation, my dispute appeal was not reopened due to a claim that there was not enough new information. I am requesting a full review of the fraud claim because this transaction was not authorized by me and occurred after my card was misplaced. I am asking for the transaction to be reinvestigated and the {$5300.00} charge credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NV

Complaint narrative:
Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Acct. # XXXX Reported Balance : {$93000.00} Sent certified letter XX/XX/XXXX and Columbia Debt Recovery received/signed for letter on XX/XX/XXXX. 1. They did not provide Proof that Columbia Debt Recovery owns or was legally assigned this debt. 2. A bill or sale or assignment agreement identifying my specific account. 3. The original creditor has not produced proof that the account was sold or assigned to Columbia Debt Recovery aka Genesis. Without documented proof of ownership or assignment, Columbia Debt Recovery lack legal standing to collect, report, or continue furnishing information regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I have been getting debited from XXXX since last years XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Subject : Unusually long hold times and restricted call routing after XX/XX/XXXX, preventing timely resolution of my fraud dispute. Details : Beginning immediately after the fraud incident on XX/XX/XXXX, every call I made to Wells Fargo resulted in extremely long hold times. This was not normal customer service wait time. The delays were consistent, prolonged, and occurred on every call, regardless of the time of day. Before XX/XX/XXXX, I did not experience these delays. After the fraud event, my calls were routed into extended holds before any representative would speak with me. Representatives frequently placed me on additional holds during the call, stating they needed to check something or review the notes, which significantly delayed my ability to obtain information or resolve the issue. These long hold times appear to be related to internal restrictions placed on my account after the fraud event. The delays prevented me from receiving timely updates, asking questions, or correcting inaccurate information that Wells Fargo later relied on in their denial letters. Impact : The extended hold times created barriers to communication and contributed to ongoing delays in resolving my dispute. They also prevented me from clarifying incorrect statements made by representatives and from obtaining access to my closedaccount records, which I need for tax purposes. Requested Resolution : I am requesting that Wells Fargo explain why my calls were routed into prolonged hold times after XX/XX/XXXX, confirm whether my account was placed into a restricted handling queue, and provide timely access to my closedaccount records and accurate information regarding my dispute. -- -

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Chime account card was stolen by my ex girlfriend in XXXX XXXX Texas police department told me to make a new banking account which I did XXXX bank account is my current & only account. In 2018 my bond was refortacated and my ex girlfriend on XXXX XXXX XXXX department in XXXX Texas police body cam I instructed the officer to let my girlfriend at the time take my wallet since I was going to XXXX. I never got the wallet back from XXXX XXXX had my government identity card social security card XXXX XXXX Cash app card Chime card the address used XXXXXXXX XXXX XXXXXXXX XXXX XXXX Texas XXXX same address where she parole to and probation. XXXX XXXX Texas XXXX XXXX XXXX XXXX Texas XXXX XXXX probation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because Bank of America failed to properly resolve my previous CFPB complaint ( Case No. XXXX ) and did not provide me with a response despite stating that a response had been issued. The underlying matter involves fraudulent and unauthorized charges on my credit card account. I did not authorize these transactions, did not receive any goods or services associated with them, and did not consent to any third party acting on my behalf. I reported the fraudulent activity in good faith and disputed the charges. Despite the existence of a legitimate fraud dispute, the account was placed into collections and legal action was initiated through a law firm. In addition to the fraudulent nature of the underlying charges, the legal process itself was defective because the law firm served the wrong individual. This created a situation where I was exposed to court proceedings despite not being properly served. I previously filed a complaint with the CFPB describing these issues. The company indicated through the CFPB portal that it had provided a response ; however, I never received any response from Bank of America by mail, email, or phone. As a result : The fraud dispute remains unresolved The company has failed to provide documentation supporting the alleged debt The company has not explained why the account was placed into collections The company has not addressed the improper service in the legal action I have not received any written determination of my fraud claim Failure to provide a response through the CFPB process raises serious concerns regarding compliance with consumer protection laws, including obligations under the Fair Credit Billing Act ( FCBA ), the Fair Credit Reporting Act ( FCRA ), and applicable consumer protection statutes. This complaint therefore concerns both the unresolved fraud dispute and the companys failure to properly respond to the previous CFPB complaint.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I am disputing a collection account being reported by Debt Recovery Solutions LLC on behalf of XXXX XXXX in the amount of {$4200.00}. The account is being reported on my credit report as a collection even though I previously disputed the account and requested validation. I requested documentation including the original contract, full payment history, the method of verification, and documentation showing that the collector has the legal authority to collect this alleged debt. The company has failed to provide any of the requested documentation and instead continues reporting the account as verified. Reporting a debt without providing proper validation raises serious concerns about the accuracy and legality of the reporting under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. If Debt Recovery Solutions LLC can not provide proper documentation verifying this debt and their authority to collect it, this account should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
AN UNKNOWN XXXX PARTY FRAUDULENTLY CHARGED {$380.00}, {$380.00}, {$25.00}, AND {$25.00} ON MY BANK OF AMERICA CREDIT CARD ON XX/XX/year> FOR AIRLINE TICKETS WITH XXXX XXXX. I IMMEDIATELY CONTACTED THEM, REPORTED IT AND REQUESTED CREDIT. THEY CREDITED {$380.00} ON XX/XX/year>, BUT XXXX XX/XX/year> AND XXXX, 2025, DID THEY CREDIT THE OTHER {$380.00} AND {$25.00}, AND {$25.00}. SO AFTER MANY TELEPHONE CALLS, HOLDING, AND WASTING MY TIME, I THOUGHT THE MATTER WAS FINALLY CLOSED. BUT THEN ON XX/XX/year>, THE CREDIT CARD COMPANY HAD CHARGED ME AN EXTRA {$380.00}. I JUST NOTICED THAT TODAY WHILE DOING MY BOOKKEEPING. I AM TIRED OF TALKING WITH THEM, JUST TO HAVE THEM XXXX IT UP. I BELIEVE THEY ARE USING AI XXXX DEAL WITH FRAUD AND NOT EVEN HAVING A REAL PERSON DEAL WITH IT. I WANT AN IMMEDIATE CREDIT OF {$380.00} PLUS INTEREST. 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 2026-03-09 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: Chime Financial Inc
State: DC

Complaint narrative:
I cancelled my XXXX account over two months ago disputed it and got the merchant blocked by my bank I thought however they still allowed the two merchants to take my money. After I was told and confirmed that it was blocked via phone

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX XXXX and Comenity Capital Bank for deceptive trade practices regarding the marketing and fulfillment of the XXXX XXXX Credit Card. Around XX/XX/year>, I applied for the XXXX Credit Card specifically to utilize the advertised 25 % introductory discount on a large, time-sensitive purchase. The primary incentive for this application was XXXX explicit advertisement that the card and the associated 25 % discount could be used immediately in-store or online upon approval. Despite being approved, I was prevented from using the temporary card as advertised. Key Points of Deception and Negligence : Failed Fulfillment of Advertised Benefits : For 10 days, the temporary card remained unusable for online transactions. In-Store Failure : On XX/XX/year>, I visited the XXXX location at XXXX XXXX XXXX XXXX XXXX XXXX, CO to complete my purchase of {$740.00}. Store employees were unable to process the approved card or apply the 25 % discount. Contradictory Information from Creditor : During three separate calls to Comenity Bank on XX/XX/year>, representatives provided three distinct and unverified excuses : that the purchase was flagged as fraud, that there is a 24-48 hour activation delay ( contradicting " immediate use '' claims ), and that I must wait for the physical card. Refusal to Remediate : XXXX XXXX XXXX has since refused to manually apply the 25 % discount or refund the difference of {$180.00}. They have also refused to credit the 4 % cash back and XXXX XXXX XXXX points that were guaranteed to cardholders. Evidence of Systemic Deceptive Practices This is not an isolated technical error ; it is a systemic failure that XXXX and Comenity have been aware of for years. Hundreds of consumers have documented identical " bait-and-switch '' experiences where " immediate use '' is advertised to solicit credit applications, yet is technically blocked at the point of sale. Documented Consumer Complaints ( Plain Text URLs ) : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Im filing this complaint regarding a credit balance owed to me on a closed credit card account issued by Wells Fargo through the XXXX program. Prior to the account being closed, I had overpaid the balance, resulting in Wells Fargo owing me money. When the account was closed, the positive balance was not automatically refunded or transferred, and I received no communication or notification regarding how the credit would be returned. Because Wells Fargo provides no accessible email support, I had to call customer service to resolve the issue. After waiting to speak with a representative, I went through an extensive identity verification process including providing my Social Security number, date of birth, multiple security questions, and a text message verification code. The representative was able to confirm that the account had indeed been closed with a positive balance owed to me, and initially stated that a refund check could be mailed. However, the representative then refused to process the refund because the security code on the physical credit card Wells Fargo issued to me did not match what they had on file. Despite having already fully verified my identity and having the account information confirmed by their system, they stated they could not release the funds because of this discrepancy. As a result, Wells Fargo is currently holding money that they have acknowledged belongs to me, and I have been given no clear path to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Misrepresentation of Fraud Department and Use of Scripted Call Centers Subject : Wells Fargo routed me to scripted callcenter representatives instead of a real fraud department, preventing proper investigation of my fraud case. Details : Throughout my fraud dispute, Wells Fargo repeatedly represented that I was speaking with their fraud department. However, every call was routed to a scripted callcenter team that did not have investigative authority, did not have access to internal fraud systems, and could not review ATM logs, account activity, or evidence related to my case. These representatives followed scripts, provided inconsistent information, and were unable to answer basic questions about the investigation. One callcenter representative told me at least you put your cash in the ATM instead of handing it to a scammer, which was dismissive and inappropriate during a fraud investigation. Separately, when I went to the branch on XX/XX/XXXX, I met with XXXX XXXX, a personal banker. He is not part of the fraud department. His statement dont beat yourself up too much was also inappropriate and placed responsibility on me as the victim instead of addressing the facts. This further demonstrates that I was not given access to trained fraudinvestigation personnel. He gave me an escalation number for Wells Fargo to fast track the deposit I made so that it could be froze but later when I called with the small business line that XXXX gave me the number two. They later said that claim was not for that purpose. Despite being told I was speaking with the fraud department, the callcenter representatives : could not investigate the ATM deposit I made on XX/XX/XXXX could not review the Wells Fargoowned ATM used in the fraud could not access the account Wells Fargo opened that received the stolen funds could not see or fulfill the judgesigned warrant issued to Wells Fargo repeatedly placed me on long holds without providing answers provided contradictory and inaccurate information Wells Fargos misrepresentation of these callcenter teams as a fraud department prevented my case from being properly investigated and contributed to repeated inaccurate determinations. Impact : Because I was never connected to an actual fraud investigation team, the ATM deposit was never reviewed, the receiving account was never investigated, and the warrant was never fulfilled. This caused delays, confusion, and ongoing harm, and it prevented a proper resolution of my dispute.

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 2026-03-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am reporting fraudulent transactions on my Citibank account totaling {$100.00}. A {$5.00} test charge and a {$100.00} withdrawal occurred in Oregon while I was physically located in XXXX, California, working remotely from home. I did not authorize these transactions and did not possess the card used. I notified Citibank and requested a fraud investigation and reimbursement under the Electronic Fund Transfer Act. I am requesting that Citibank immediately reverse the unauthorized charges and confirm that my account information has been secured Citibank mailed a few letters wasting time and denied my claim about three times. The transaction occured on XX/XX/XXXX. See charge information below : XX/XX/XXXX Debit PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX. I called Citibank back in XXXX of fraudulent activities and they also emailed me confirming fraudelent activities. This was my fourth card I received from citibank for fraudulent activities.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On Wednesday XX/XX/year> at approximately XXXX, I was a victim of a Business Email Compromise ( BEC ) fraud. My attorney 's email was hacked, and I was sent fraudulent instructions to move {$5000.00} to another Bank of America account. Because both the sender and recipient accounts are at Bank of America, the bank has actual knowledge and control over the funds. I reported this to Bank of America on Saturday, XX/XX/XXXX. Today, Monday, XX/XX/XXXX, I spoke with a supervisor XXXX, employee ID XXXX regarding Claim # XXXX. The bank is refusing to classify this as an " unauthorized electronic fund transfer '' under Regulation E ( 12 CFR 1005.11 ). The supervisor incorrectly claimed that because I " took part '' in the transaction at a branch, it is a " scam '' rather than " fraud '' and therefore not eligible for provisional credit. This contradicts CFPB Official Guidance on " fraudulent inducement, '' which states that transfers initiated due to criminal deception from a hacked professional must be treated as unauthorized. Despite being provided with an FBI IC3 Report ( # XXXX ), the bank has failed to : 1. Acknowledge this as a valid Regulation E Notice of Error. 2. Confirm a security hold on the fraudulent internal recipient account. 3. Commit to the mandatory 10-day timeline for provisional credit. This refusal creates an extreme financial hardship as these funds were intended for a legal retainer. I am requesting that the CFPB compel Bank of America to honor my Regulation E rights and issue provisional credit immediately.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Byrider Franchising, LLC
State: WV

Complaint narrative:
I had a vehicle with JD Byrider, and less than a years time from the engine in the XXXX XXXX blowing up the first time, it happened a second time. I expressed my frustration with Byrider, and they told me on the phone it was fine to return the vehicle. Now my credit is trashed and i do not believe I should have to pay back the debt for a lemon vehicle. I am struggling with bad credit and i really want it off my report asap so i am able to function in this world. Please have a heart and work with me, i can not get approved for anything and everything in life is crashing in on me at the same time.

Company response to consumer: Closed with explanation