vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On Tuesday XX/XX/year> a fraudulent transaction ( seemingly done as a wire transfer ) was made on my savings account with Wells Fargo for {$4900.00}. It was a transaction made to a company named XXXX XXXX that was taken out of my account. Ive never heard of this company and did not authorize any transaction to be taken out of my account. I noticed the transaction when I checked my account on that Friday, XX/XX/year> and saw that my saving account was missing a large amount of money from it. I immediately tried to call Wells Fargos online phone number to report the fraudulent activity but was put on hold for almost 2 hours. I tried to call back again but got hung up on after waiting another hour. I went into my local Wells Fargo branch on Saturday, XX/XX/XXXX and spoke to a manager and banker and they did see that a wire transfer had been done on my account and they tried to help me file a claim over the phone but they too were unable to get anyone to help for over an hour. I was told to set up an appointment and come back on Monday, XX/XX/XXXX. On Monday the banker and I got back on the phone and were able to finally get someone on the line to help us with the claim for the {$4900.00} fraudulent transaction. I spoke to the representative on the phone and gave them my information and all of the details I had and we closed out the savings account that the fraudulent transaction was made in and set up a new savings account and reset my login username and password to try to prevent future theft. I was asked if Wells Fargo had sent me a message or called me to confirm and authorize the {$4900.00} transaction and I let them know that I had not been notified by Wells Fargo about any wire transaction and would not have authorized the fraudulent transaction it if they had reached out to me on that day. I was told that within 5 days that someone from Wells Fargo would reach out to me on the status of my claim and what the next steps were to get my stolen money back. However, no one ever reached out to me again in that time frame. I was then sent a letter that was dated XX/XX/year> in the mail said that I am responsible for the online wire transfer even if I did not initiate it. So even though someone has seemingly hacked my account and stole my money they can not reimburse me or get my money back even though I was unaware of this transaction and did not authorize it to be taken from my account. This is why I am sending in this complaint in hopes that I will be able to get my money reimbursed that was stolen from me.

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, an unauthorized transaction for {$1000.00} was made using my XXXX account/debit card. I immediately contacted XXXX and reported the fraud. XXXX canceled my card, issued a replacement card, and opened a dispute investigation. Despite reporting the unauthorized transaction promptly, XXXX denied my claim without adequately explaining why they believe the transaction was authorized. I did not make or approve this transaction and I am requesting reimbursement and a full review under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Southwest Stage Funding
State: KY

Complaint narrative:
I am writing to file a formal complaint against Cascade Financial Services regarding my mobile home loan. I live in XXXX, Kentucky, and I am currently 3 months behind on my house payments. This happened because my boss cut my hours at work, which was completely out of my control and not my fault. I am trying to go to college to better my life, and I want to save my home. I filled out Cascades loss mitigation application and sent it to them so they could look at my hardship and help me with a loan modification. Cascade refuses to give me a written decision on my application. Instead, they told me over the phone that because my loan is new, I am not eligible for any hardship help. They told me I have to come up with all the money right now, and if I can't, they said they were going to come and get my mobile home. It is not fair that they are refusing to look at my paperwork or help me just because the loan is new. I am asking for help to force Cascade to stop the foreclosure threats, review my application under the law, and give me a fair chance to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
They blocked me from accessing my account and they refused to give me information or allow me to choose which way I wanted to resolve my money situation falsely claiming that I didn't have any linked accounts even though my transactions show different

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 using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A XXXX account was fraudulently opened in my name, and an online order was placed that was redirected from my address to another address. I was charged {$270.00} on XX/XX/2026. There were at least 20 other attempts to charge my account however the XXXX charge was the only fraudulent charge Wells Fargo allowed . I opened a fraud claim with both Wells Fargo and XXXX. I have made many phone calls to both institutions and went into a XXXX store twice and visited Wells Fargo this past Monday XX/XX/2026. The bank told us XXXX XXXX made the final decision and refused to give me back the money XXXX fraudulently charged.

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 — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I live in XXXX AZ and capital one hired a law firm to sue me after 7 years of statute of limitations. Not sure why XXXX XXXX allowed this after its statute of limitations? What do I do with this even thought I did reply to the court in XXXX stating that this debt has been XXXX XXXX XXXX?

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: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
b'While reviewing my credit report and account information, I noticed unauthorized activity that I did not recognize. I discovered accounts. charges, and/ or inquiries that I did not open or approve. After carefully reviewing the information may have been used fraudulent without ny knowledge or consent. \n*Capital One XXXX XXXXCapital One 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 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westcreek Financial
State: IL

Complaint narrative:
I went to XXXX XXXX to to fix the massive coolant leak and the window was stuck down. They wanted over XXXX on parts that had nothing to do with the coolant situation, but the radiator I was told is the reason for the coolant leak, I didn't want to take out a loan from their several attempts to sign me up to Koalafi. Finally after they said I need a XXXX battery I had no choice but to take out the loan. XXXX XXXX sold me on parts that were fear driven sales about my car stalling and I needed a battery, there never was an issue with my battery, the new Radiator I agreed to due to fixing the coolant leak. Well, they didn't replace or even call to see if I wanted to replace the upper and lower radiator hoses and they were leaking terribly, I have videos of the coolant still leaking, added a gallon when they fixed this on XX/XX/XXXX, but XX/XX/XXXX the coolant reservoir was empty. I have every document, video of the car leaks and rotted hoses. I don't know what they did. I am now tied to Koalafi. Paid XXXX, I would like the XXXX plus remaining loan contested.

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: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Been a California resident when opened a Robinhood brokerage account many years ago. Since then moved to Texas and provided Robinhood with this information including legal documentation of the change of residence. Robinhood failed to update all my personal information related to this change for many years. Recently opened a credit account with Robinhood and still facing with the address issue. Their AI and half-wit operated support could not provide any meaningful support and solution to update my address. How could they get this far in the financial business is beyond strange!?

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 using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of unauthorized transactions on my business checking account associated with XXXX XXXX XXXX. The disputed transactions total approximately {$2700.00}. I repeatedly informed the bank that I did not knowingly or voluntarily authorize these transactions and did not provide consent, permission, or access to any third party to conduct them on my behalf. Despite multiple disputes and requests for reinvestigation, Bank of America denied my claims while relying primarily on transaction history, device information, authentication records, XXXX XXXX usage, and other technical or statistical indicators. However, these technical indicators do not constitute direct proof that I knowingly and voluntarily authorized the disputed transactions. The bank has not provided sufficient evidence demonstrating actual informed consent or voluntary authorization by me as the account holder. The mere existence of device authentication, Face ID usage, or transactions appearing on an account statement does not automatically establish authorization. I believe the banks investigation was incomplete and insufficient because it relied primarily on technical data rather than direct evidence of authorization. I formally dispute the banks determination that these transactions were authorized. I am requesting regulatory review of the banks handling of this matter, including : - The adequacy and reasonableness of the investigation ; - The evidence relied upon to deny the claims ; - The banks handling of repeated requests for escalation and reinvestigation ; - Reconsideration of reimbursement for the disputed transactions. I respectfully request assistance in ensuring that this matter is reviewed fairly and in accordance with applicable federal consumer protection standards. Sincerely, XXXX XXXX XXXX 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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Auto is saying my account was XXXX days late & this information was incorrect

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 using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX a charge came thru on my debit card for {$1.00} for XXXX XXXX XXXX Followed by for {$2.00}, {$3.00}, {$4.00} {$5.00} {$6.00} all the way up to {$11.00}. I was alseep i never heard my phone receive texts from-the bank asking if it was fraud. When i woke up and saw the texts I responded yes it is fraud. I received a text saying they would block the future transactions. Once i saw the transactions had taken {$66.00} out of my account, i had to wait for it to not be pending then i filed a dispute. I do not know what this transaction is or anything about it. The bank denies my dispute. I live in ohio the transactions were done in virginia. I asked them who is the vendor and what is the vendor information. They refused to give it to me. They said they didn't know. I called and reopended the dispute and was denied again. They want me to prove i was home Sleeping and not in Virginia. They denied my claim again. I called to reopen it again and was told to make a police repost. I made a police report. I reopended the claim. Sent the police report in and a screenshot of my location where i live. They denied my claim again. When i call the people who reopen the claim are telling me they believe i wouldnt make 11 charges from $ XXXX {$11.00} but my claim keeps being denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: MRS BPO, LLC
State: NC

Complaint narrative:
I am filing this complaint because XXXX sent an alleged debt to collections for funds I do not owe. An overseas hair company sent money to my XXXX account so I could purchase and review their product through XXXX. The payment was received in my XXXX account, but XXXX never released the funds to me. I did not withdraw, spend, or otherwise receive access to the money. Despite this, XXXX later claimed I owed the amount and sent the account to collections. I dispute this debt because the funds were never made available to me and I did not benefit from or retain the money. I have attempted to resolve this issue, but the debt remains reported and/or in collections. I am requesting that XXXX : * Conduct a full investigation into the transaction history * Provide proof that I actually received or used the funds * Remove the collections account immediately if they can not validate the debt * Correct any negative credit reporting related to this matter This debt is inaccurate and should not have been sent to collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
A XXXX account was fraudulently opened in my name, and an online order was placed that was redirected from my address to another address. I was charged {$270.00} on XX/XX/year>. There were at least 20 other attempts to charge my account however the XXXX charge was the only fraudulent charge Wells Fargo allowed . I opened a fraud claim with both Wells Fargo and XXXX. I have made many phone calls to both institutions and went into a XXXX store twice and visited Wells Fargo this past Monday XX/XX/year>. The bank told us XXXX XXXX made the final decision and refused to give me back the money XXXX fraudulently charged.

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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ) for illegally reaging a XXXX XXXX XXXX debt and reporting false information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX reports " Date Opened XX/XX/XXXX... Balance {$2500.00}... Pay Status >Collection<... Estimated month and year this item will be removed XX/XX/XXXX. '' This is inaccurate. The debt did not begin in XXXX. PRA is attempting to restart the 7year reporting period, which is prohibited under FCRA 605 ( c ). The Date of First Delinquency ( DOFD ) must remain tied to the original delinquency in XXXX

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: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Statement of Facts : In XXXX, I was the victim of a sophisticated cyberattack ( Man-in-the-Middle ) that resulted in the complete loss of access to my Apple ID account ( XXXX ). Due to the structure of the Apple Card, which is managed exclusively through the Apple ecosystem, this cyberattack simultaneously locked me out of my Goldman Sachs credit card account ( Account reported as : APPLE CARD - GS BANK, opened XX/XX/XXXX ). Recognizing my financial obligations, I immediately and proactively contacted Goldman Sachs customer support via phone. I explained that I lost access to the digital interface, and explicitly requested alternative methods to receive my monthly billing statements ( such as paper statements via mail ) or to update my associated email address so I could continue making timely monthly payments. In direct violation of the Fair Credit Billing Act ( FCBA ) and basic consumer protection standards, Goldman Sachs representatives categorically refused to accommodate my request. They refused to provide paper statements or alternative payment access, effectively rendering it impossible for me to service my debt. My last payment was recorded on XX/XX/XXXX, after which the bank forced the account into delinquency. Impact : Because Goldman Sachs deliberately obstructed my ability to receive statements and make payments, the bank engineered a default on an account that I fully intended to pay. The account is currently reported as a " Charge-off '' with a past-due balance of {$1600.00}, severely damaging my credit score ( XXXX currently at XXXX ) and impacting my financial well-being.

Company response to consumer: Closed with non-monetary relief
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: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a resident of Texas. On XX/XX/XXXX, a formal dispute letter was delivered to the bureau via Certified Mail. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, the maximum statutory timeframe allowed for a dispute investigation is 45 days. As of today, XX/XX/XXXX, exactly 45 days have elapsed, and the unverified, inaccurate account ( National Credit Systems, Balance {$13000.00} ) remains active and 'Open ' on my credit report. Furthermore, this debt is legally unenforceable under Texas Civil Practice and Remedies Code 16.004 ( the statute of limitations expired in XXXX XXXX ), and it contains junk fees that directly violate Section 4024 of the CARES Act.

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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Subject : Request for Debt Validation Dear To Whom It May Concern, I am writing to formally request validation of the alleged debt referenced to derogatory remark on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request verification of the debt before making any payment. Please provide the following information : 1.The amount of the alleged debt, including an itemized statement of any interest, fees, or charges. 2.The name of the original creditor and a copy of the original contract or agreement creating this debt. 3.Proof that you are legally authorized to collect this debt. Any judgment details if applicable. I request that all collection activities cease until you provide the requested validation. Additionally, please provide all communications in writing. Thank you for your attention to this matter. I look forward to receiving the requested information within the timeframe allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief