vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a joint owner of a U.S. Bank Checking account ( ending in XXXX ) originally opened at XXXX XXXX XXXX XXXX. When U.S. Bank converted XXXX XXXX accounts to its systems in XX/XX/XXXX, my name XXXX XXXX XXXX was dropped from the account entirely. My husband XXXX XXXX XXXX is the only name appearing on statements and account records. This error did not exist at XXXX XXXX. I have complained repeatedly by phone over multiple years. Each time I was told verbally I am on the account and the error would be corrected. Nothing was corrected. In XX/XX/XXXX I was forced to visit a branch in person because the missing name was causing my visa application to be rejected. The branch issued a signed letter dated XX/XX/XXXX confirming my joint ownership and promised my name would appear on future statements. It never did. On XX/XX/XXXX, XXXX XXXX ( XXXX ), XXXX. a U.S.-chartered bank rejected my attempt to link this account for personal transfers, citing inability to verify my ownership. I called U.S. Bank, waited 30 minutes, and reached supervisor XXXX, who first said I was already on the account, then falsely characterized XXXX XXXX as a foreign bank. He escalated to back office, promised a callback if disconnected, then disconnected and never called back.

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 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX allowed a fraudulent transaction to be made from my Wells Fargo Account. I have filed claims with both XXXX and Wells Fargo Bank and both claims were denied ; therefore, I would like to appeal both claim denials. A fraudulent scammer, using XXXX, stole {$5000.00} and {$15000.00} from my Wells Fargo checking account, for a total of {$20000.00}. I immediately contacted both financial institutions to report the fraud, open a claim and stop the transfer of my money. I have also filed a police report with the XXXX XXXX Police Dept, case no XXXX, and the FTC, report number XXXX. Following is information I received from XXXX regarding the fraudulent transactions : - Deposit Amount : {$15000.00} - Date of Deposit : XXXX XXXX, XXXX - Bank Name : WELLS FARGO BANK , NATIONAL ASSOCIATION - Last 4 of debit card : XXXX - Transaction Status - Approved - Visa Network ID : XXXX - Deposit Amount : {$5000.00} - Date of Deposit : XXXX XXXX, XXXX - Bank Name : WELLS FARGO BANK , NATIONAL ASSOCIATION - Last 4 of debit card : XXXX - Transaction Status - Approved - Visa Network ID : 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 2026-05-18 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am filing a formal complaint regarding a credit card application with BarclaysXX/XX/XXXX, submitted on XX/XX/year>2026. After applying, I received a credit line approval of {$12000.00}. I finalized a ticket purchase using this card ; however, the transaction never went through. This morning, Barclays drastically reduced my credit line to {$2000.00}. I contacted XX/XX/XXXX, and it was confirmed that the purchase was never completed. I called the airline at XXXX. This situation has harmed my credit, wasted my time, and caused financial distress. I demand an immediate and thorough investigation, and a prompt resolution to correct this damaging action. Please address this matter urgently. I have comprehensive proofdetailed evidence, screenshots, and full conversations with Barclaysthat clearly show they did not act in the best interest of the customer. Their handling of this situation was completely unacceptable, and I demand immediate action to rectify this. I called Barclays at XXXX spoke with XXXX on XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX, XXXX Texas XXXX email 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 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
It was so long ago when I paid XXXX. I do believe someone is writing debt or fraudulent transactions from another City or State. Plus the debt was already taken care of. I paid it and someone is forcing me to pay bills four to five times every so often with Jefferson Capital. I dont owe XXXX XXXX a fraudulent behalf of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
On XX/XX/year>, I returned a purchase to XXXX XXXX associated with Affirm loan XXXX. On XX/XX/year>, I received an email from Affirm stating that my refund had been received. Because I have two loans through XXXX XXXX with Affirm, I was asked to confirm which loan the refund should be applied to. When I selected the option to apply my refund, I received an error code on the Affirm website. I then attempted to resolve the issue through the Affirm app by navigating to loan XXXX and requesting the refund be applied there, but I was unsuccessful. After contacting Affirm customer service, I was assured that the refund would be applied to the correct loan, XXXX. However, on XX/XX/year>, I received an email stating that the refund had instead been applied to loan XXXX. I immediately contacted customer service again and spoke with multiple agents, including a supervisor, for over an hour. During my first call, I was disconnected. During the second call, the supervisor ultimately advised me that there was nothing they could do and then disconnected the call. I can not afford to continue making payments on both loans, which is the reason I returned the purchase associated with loan XXXX in the first place. I am requesting that the refunded funds be removed from loan XXXX and correctly reallocated to loan XXXX as originally intended. I would appreciate prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am filing this formal complaint against PNC Bank due to systemic customer service failures, contradictory security protocols, and an absolute refusal to grant me access to my own funds, which has put me at immediate risk of eviction and homelessness. I am currently residing in a transitional housing facility for homeless women in XXXX, Florida, following a severe physical assault in XXXX, Alabama, that required extensive hospitalization and ongoing inpatient mental health treatment. Due to these extreme circumstances, I lost possession of my debit card. My XXXX mother, who has a physical XXXX and is an authorized user and long-term client dating back to XXXX Bank, attempted to resolve this at a local branch. Despite spending over an hour there, the branch refused to issue a replacement card, stating I had to call corporate customer service myself. When I called corporate customer service from my inpatient facility, representatives demanded that I verify the exact dollar amount of my last transaction. This is a logical impossibility and an unfair consumer barrier, as I am physically locked out of my account and have no means to view my transaction history. Furthermore, this same day, i was a patient at a local emergency room for severe joint pain. To bypass this deadlock, I visited a physical PNC branch in XXXX, Florida, to open a new account and establish mobile banking access so I can pay my rent. I had no choice but to walk to the nearest branch, which is an obvious concern. The staff at the XXXX branch were incredibly helpful, spent extensive time assisting me, and verified my identity completely using my physical card, account number, Social Security number, and official photo identification. Despite the local branch physically verifying my identity and calling corporate customer service with me, PNC 's corporate security backend refused to send a One-Time Passcode ( OTP ) to my mobile phone numbereven though they openly admitted and verified that the mobile number on file is indeed correct. Instead, corporate customer service stated they are mailing a password via physical mail, which will take XXXX to XXXX business days. This delay is entirely unacceptable and punitive. I am currently {$560.00} behind on rent at my transitional facility. PNC Bank is holding my funds XXXX due to a flawed verification algorithm, despite in-person, government-issued ID verification by their own branch employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: NY

Complaint narrative:
This is a follow up complaint to a previously filed CFPB complaint regarding Wells Fargos mishandling of my fraud dispute for transactions totaling approximately {$8700.00}. On XX/XX/year> a Wells Fargo Executive Office representative called me specifically requesting supporting documentation to be reviewed before a final decision was made. I submitted all requested documents immediately to the email address she provided. I have timestamped screenshot proof of that submission. Wells Fargos formal response letter states they could not locate any supporting documentation submitted regarding my claims. This directly contradicts my timestamped proof of submission. My case was denied without my evidence ever being reviewed despite me submitting it as specifically requested by their own representative. Additionally Wells Fargos own formal letter confirms the original dispute reason was filed as Dont recognize or did not make this transaction rather than unauthorized despite me explicitly correcting the representative in real time on XX/XX/year>. Wells Fargo then states there was no bank error which directly contradicts their own confirmation of the incorrect filing. I am requesting the CFPB require Wells Fargo to explain the contradiction between their claim that no documents were received and my timestamped proof of submission, and to conduct a proper review of my supporting documentation before this matter is considered resolved.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
Amount asked for in the letter does not reflect the balance owed on this account. Also I have never had an agreement with said company. May I see the original agreement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
I am submitting this complaint regarding Santander XXXX XXXX and the inaccurate, misleading, and potentially unverifiable reporting of my auto loan account to the credit bureaus. My account is currently being reported as a charge-off/collection account with a continuing past-due balance. I believe the reporting is inaccurate, misleading, and damaging to my credit profile for the following reasons : Santander is reporting the account as charged off while continuing to report a past-due balance and collection status in a way that appears inconsistent and misleading. I have concerns that the balance being reported may not properly reflect credits, payments, fees, repossession accounting, or the fair market/auction value of the vehicle. I requested investigation and/or validation of the account, yet the account continues reporting without sufficient verification or correction. The account reporting appears to continue updating monthly in a way that excessively harms my credit even after charge-off. I believe Santander may be violating its duties under the Fair Credit Reporting Act ( FCRA ) by failing to ensure maximum possible accuracy of the information being furnished to the credit bureaus. This inaccurate reporting has caused substantial financial harm, including difficulty obtaining financing and damage to my consumer credit profile. I am requesting the following : A complete investigation into the accuracy of the account reporting ; Copies of all records used to verify the account with the credit bureaus ; A full accounting of the balance, including any repossession sale credits, fees, interest calculations, and charge-off calculations ; Correction or deletion of any inaccurate, misleading, incomplete, duplicated, or unverifiable information ; Immediate updates to XXXX, XXXX, and XXXX if the information can not be fully verified. I also request documentation showing : the original contract, payment history, repossession notices, auction/sale records, deficiency balance calculations, and all information furnished to the credit bureaus. If Santander can not fully verify the accuracy and completeness of the reporting, I request removal of the account from all consumer reporting agencies. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Subject : Failure to Validate Debt and Investigate Dispute I am filing a complaint against LVNV Funding LLC regarding collection reporting appearing on my credit file. On XXXX XXXX, 2026, I mailed a certified debt validation and direct dispute request asking LVNV Funding to provide : - Proof of ownership of the debt - Chain of title - Original agreement - Full accounting of the balance - Documentation supporting its authority to collect and report the account LVNV Funding failed to provide adequate validation documentation and continues reporting the account despite unresolved disputes regarding accuracy and ownership. I believe this conduct violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I request that CFPB require LVNV Funding to : 1. Provide full validation documentation 2. Conduct a lawful investigation 3. Delete unverifiable reporting 4. Cease inaccurate reporting practices I have retained copies of my correspondence and certified mail receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
I had tried to make an online purchase with my XXXX XXXX debit card but the online transactions were declined because of a block put on my card. I did not get any notifica- tions from XXXX XXXX XXXX headquarters office in XXXX XXXX , Texas what the blocks on my card were about. I had made quite many number of successful online transactions with the card before the block on my card. The card is still active and good to use for pur- chases. I can not understand why the block was put on my card when I made an online purchase on XX/XX/XXXX that is pending, then I made a second online purchase on XX/XX/XXXX that was approved, and then I attempted another online purchase on XX/XX/XXXX that is also pending. I want your agency to find out what is going on and try in some way to get them to take the block off my debit card account. I also want to tell you that XXXX XXXX XXXX is partnered with another bank called XXXX XXXX XXXX ( alphanumeric name : XXXX XXXX XXXX ) headquartered in XXXX, Georgia. The original partner was and may be still is, Comerica Bank which is headquartered in XXXX, Texas. This change of partnership or possible bank merger may be cause of the block put on my debit card in which the programming systems may have to be updated that could possibly taken a lot of time doing causing delay to XXXX XXXX debit card customers. I had included a copy of my Transaction Summary from XXXX XXXX XXXX and I want to tell you that I had darkened out a few transactions that were approved. I just only display the 2 transactions that are " pending '' still after a few days that I made those 2 online trans- actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: WI

Complaint narrative:
Last Fall I got a call from XXXX XXXX who I didnt even know who they were, saying I owed them money. They had my address from XXXX years ago. They said I took {$1000.00} out in XX/XX/XXXX. I told them I didnt and they said they would send to a collection agency. Today I got a letter from RFGI collection about it. I called him and he said it was direct deposited to a bank that I never heard of and an account I didnt know the numbers of. His name is XXXX XXXX. I have banked with XXXXXXXX XXXX since XXXX. I have NEVER been late with a payment as you will see on my bureau. He said before he can do anything I needed to contact you and the police. Thank you for your help this is very upsetting.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thrive National Corporation
State: IN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a deposit into the account attempted to do a transfer to an external account but it said it would take five to six days so I called the customer service line they said they can do a manual wire transfer it would charge me {$25.00} to do so I opted to do that because it was only going to be three days business days so they were going to call me that was XXXX they're going to call me XXXX to verify some information and contact the other bank for whatever reason so XXXX I get the call they verify all my information again but we're on hold for like XXXX minutes with the other bank so they asked me well can you do you have another bank account that we can contact to try to do this transfer and I said I don't have another bank account to transfer it to I'll just go into the app and do it myself and do it that way well I go on to the app do the manual transfer myself in XXXX minutes later get an email that my account has been suspended or frozen because the external count was not in my name but it is in my name it's my account it's in my name nobody else 's so it's absolutely absurd I've already tried to do three different phone calls I've talked to two different supervisors or managers and both managers said sorry there's nothing we can do we we don't know why your account was suspended you have to wait XXXX days to receive a letter in the mail and then go from there which is absolutely ridiculous

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