vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
My debit card was stolen and I reported it to my bank. However instead of resolving the issue they closed all my accounts and I cant access any money. I have XXXX accounts with them. If they want to close them all thats fine, but give me my money from the ones that I didnt report. Only XXXX account was reported for fraud. I actually chose not to have a debit card for the other accounts to avoid them from being hacked or stolen. My money has been on hold for over a week. I cant pay my rent or other bills.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC
State: CA

Complaint narrative:
Date : XX/XX/year> To : Apelles , LLC Re : Dispute of Fraudulent Account / Identity Theft Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt associated with a XXXX XXXX account ending in XXXX. I dispute this debt in its entirety. This account is the result of identity theft, and I am not responsible for it. Enclosed are the following documents supporting my claim : - A copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC Report No. XXXX ) - A police report ( Report XXXX. XXXX ) - Proof of my identity ( government-issued identification ) Under the Fair Credit Reporting Act ( FCRA ) and applicable law, you are required to cease collection of this account and block any reporting of this fraudulent information. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide validation of this debt, including documentation bearing my signature, and evidence that I am legally obligated to pay. Until such validation is provided, you must cease all collection activity. Please confirm in writing that this matter has been resolved and that no further collection activity will occur. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding Experians handling of a disputed collection account reported by XXXX XXXX and XXXX. I disputed this account because I do not recognize it and believe it may be fraudulent. Experian responded that the account was verified as accurate. However, this verification appears to have been based solely on information provided by the furnisher and not on any actual documentation. Key issues : I have never opened an account with the alleged original creditor, XXXX XXXX I sent a certified debt validation request to the collection agency, which was received on XX/XX/year> The collection agency has not provided any validation or documentation Despite this, Experian continues to report the account as verified Experian has a duty under the Fair Credit Reporting Act to conduct a reasonable investigation. Simply accepting the furnishers response without requiring supporting documentation does not meet this standard, especially where identity theft or fraud is suspected. I am requesting that Experian : XXXX a reinvestigation requiring the furnisher to provide actual documentation Remove the account if the furnisher can not provide verifiable proof Ensure the account is properly marked as disputed during the investigation This account should not remain on my credit report without proper validation.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: TX

Complaint narrative:
I am disputing the accuracy of a loan balance remaining after my vehicle was repossessed and sold. Global Lending Services LLC repossessed the vehicle and later reported that it was sold on or about XXXX XXXX XXXX, with sale proceeds of {$2600.00}. They have since reported and/or relied on a remaining deficiency balance of approximately {$14000.00}. I requested documentation showing how the vehicle was sold and how the sale price was determined. Specifically, I requested records identifying whether the sale was conducted as a private sale or auction, any sale or auction records, buyer information, evidence of market exposure or marketing efforts, and any valuation or condition reports supporting the {$2600.00} sale price. Global Lending Services has not provided any documentation showing how the sale was actually conducted. The only document provided is a post-sale Explanation of Deficiency, which lists a sale amount but does not include any information about the sale process, buyer, bidding, or valuation. Additionally, Global Lending Services has provided inconsistent descriptions of the sale, at times indicating a private sale and at other times referencing auction-related practices or industry standards, without providing documentation supporting either method. Without documentation of the actual sale process, there is no way to determine whether the vehicle was sold in a commercially reasonable manner as required under Texas Business & Commerce Code 9.610. Because the sale has not been substantiated, the resulting deficiency balance can not be verified. Despite this, Global Lending Services continues to report and/or rely on this balance without addressing the substance of my requests and instead responds with general statements that the account has been verified. A general statement of verification is not a sufficient response to a dispute regarding how a repossessed vehicle was sold and how a deficiency balance was calculated. Global Lending Services has not demonstrated that the sale was conducted in a commercially reasonable manner or that the reported balance is accurate. I am requesting that Global Lending Services be required to either provide complete documentation substantiating the sale and the resulting balance, or correct/remove the balance if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I used my debit card for a card rental from XXXX back on XX/XX/XXXX. Their website glitched out and I was charged twice. I have sent the company numerous emails, made several phones calls and they said they can not find the second pending charge on their end and therefore refused to release my funds. I proceeded to call my bank to drop the pending authorization that was a duplicate but they stated only the company could assist so now my funds have been on hold for over 2 weeks and no one is willing to assist with this incorrect charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 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: CITIBANK, N.A.
State: KS

Complaint narrative:
Citi Bank sent me an offer to increase my credit limit in an unsealed envelope with the last XXXX of my credit card number, my credit limit, my name and address. I called and reported it. They sent me a new card incase anyone stole my information. After they sent my new card they sent me another offer on my new card also in an unsealed envelope with the last XXXX of my new credit card number, my credit limit, my name and address. I have the letter if needed and it is obvious it was never sealed.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
A scheduled payment caused my account to overdraft. After that, several small XXXX charges posted and triggered multiple overdraft fees. This resulted in {$330.00} in fees from a single overdraft event. I understand the initial overdraft was my mistake, but the number of fees that followed is excessive and disproportionate. These were cascading fees caused by small transactions hitting after the account went negative. I requested a courtesy reversal from the bank. I explained that I was not disputing the overdraft itself, only the excessive fees that stacked afterward. The bank refused to reverse the fees or only offered a partial adjustment. I am requesting a review and a full reversal of the overdraft fees due to the excessive and cascading nature of the charges. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received a collection notice from Credit Control , LLC claiming I owe {$700.00} on behalf of XXXX XXXX XXXX. After reviewing the notice, I disputed the debt because it was not properly validated. There was no documentation showing that the debt is accurate, that it actually belongs to me, or that Credit Control , LLC has the legal authority to collect it. I was not provided with a signed agreement, a clear chain of assignment, or any detailed account records explaining how this balance was calculated. I submitted a complaint through this portal requesting proper validation. Instead of addressing these concerns, the company responded that they could not investigate due to a lack of personal identifying information and closed the case without providing any documentation or explanation about the debt itself. I have now provided sufficient information to verify my identity, yet the company has still failed to validate the debt or support its claim in any meaningful way. At this point, it appears the company is avoiding its responsibility to properly verify the debt while attempting to continue collection, which raises serious concerns under federal law

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 2026-04-24 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Complaint against : Goldman Sachs Bank USA ( Apple Card ) I am submitting this complaint regarding Goldman Sachs Bank XXXX handling of multiple disputed transactions on my Apple Card account and their failure to conduct a reasonable investigation as required under the Fair Credit Billing Act ( XXXX ), XXXX XXXX. XXXX. I previously disputed several transactions on my account which I did not authorize and/or do not recognize. During the investigation process, Goldman Sachs issued temporary credits. However, upon completion of their investigation, they reversed all of these credits and concluded that the transactions were authorized. Goldman Sachs provided only a generic and conclusory explanation, stating : Based on available information, we determined that the transaction was authorized. This statement does not satisfy their legal obligation under federal law. Goldman Sachs failed to provide any meaningful or specific evidence demonstrating that I authorized these transactions. Specifically, Goldman Sachs did NOT provide : - Any authentication records- Device or IP address data - Proof of cardholder verification ( CVV, XXXX match, XXXX Secure, etc. ) - Transaction logs tied to my identity or device - Any documentation from the merchant proving authorization Additionally, multiple disputes were denied in a uniform and identical manner, suggesting that no individualized or reasonable investigation was conducted for each transaction. As a result of Goldman Sachs actions : - All provisional credits were reversed - My account balance significantly increased - My credit utilization was negatively impacted - I was placed over my credit limit - I am now exposed to interest charges and potential credit damage This outcome has caused financial harm and has affected my ability to use my credit responsibly and pursue other financial opportunities. Goldman Sachs XXXX to conduct a reasonable investigation and their reliance on generic conclusions appears to be a violation of the XXXX Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I have never applied for a vehicle nor know how to operate or drive yet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: FL

Complaint narrative:
On XXXX XXXX, 2026, XXXX unauthorized or erroneous charges were made to my Wells Fargo Clear Access Banking debit card ( ending in XXXX ) : {$55.00} to XXXX XXXX XXXX ( XXXX website ). I ordered clothes, but the site forced an unwanted Top up of XXXX ( {$51.00} USD ). The site is entirely in XX/XX/XXXX Immediately after the top-up, they deducted XXXX for XXXX expenses XX/XX/XXXXXXXX Handling fee ( total XXXX ), leaving almost nothing. I never wanted or clearly authorized the extra account credit top-up. {$64.00} to XXXXXX/XX/XXXXXX/XX/XXXX for XXXX XXXX XXXX. I started a free trial on XX/XX/scrub> 2026, but I tried to cancel it before the trial ended. Despite my attempt to cancel, they still charged me the full {$64.00} on XX/XX/year>2026. I never wanted the paid subscription and received no value from it. I disputed both charges with Wells Fargo. The bank issued provisional credits but later reversed them on XX/XX/year> ( reference XX/XX/XXXXXXXX ). I spoke with representatives and a manager on XX/XX/year>, but they refused to reopen the disputes despite this new evidence. These are errors under Regulation XXXX ( unauthorized or incorrect electronic fund transfers ). I did not receive goods or services equal to these full amounts and did not knowingly authorize the paid charges.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am filing a complaint regarding an overdraft fee that I believe was unfairly charged due to unclear and misleading instructions from my bank. I received an overdraft notice stating that I needed to bring my account current by XX/XX/year>. In response, I deposited a check at approximately XXXX PM on XX/XX/XXXX, before the stated deadline. On XX/XX/XXXX, the bank released {$270.00} from that deposit. This amount was more than sufficient to cover the overdraft balance on my account. Despite this, the bank still charged me an overdraft fee. The notice I received did not clearly explain that only fully available funds ( as opposed to deposited funds ) would count toward bringing the account current. Based on the wording of the notice, I reasonably understood that making a deposit by the deadline would satisfy the requirement. I acted in good faith to correct the overdraft within the timeframe provided. The banks subsequent release of funds from my deposit demonstrates that the deposit was valid and sufficient to cover the overdraft amount. Because the bank did not clearly disclose that deposited check funds would not count toward bringing the account current, I believe the overdraft fee was assessed unfairly. I am requesting that the overdraft fee be refunded and that the bank review its policies and disclosures to ensure they are clear and not misleading to consumers. They did refund only XXXX fee which was XXXX. They are still not willing to refund the whole XXXX that I was charged Thank you for your assistance in this matter.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
# # XXXX ) What happened I am filing this complaint because Ally Bank closed my account without notifying me. On XX/XX/year>, I recently transferred {$260.00} into my Ally savings account XXXX XXXX I expected normal access to my own funds after making that deposit. On XX/XX/year>, I noticed that my account was closed and that I could not access my funds. I also could not use my debit card as needed, which immediately affected my ability to manage my finances. Crucially, XXXX XXXX I did not receive any email notification or written notice XXXX XXXX about the closure. # # XXXX ) Why this is a consumer harm issue This closure caused direct consumer harm. I lost reliable access to money that I had recently deposited, and I lost the ability to use my debit card, even though I had not been warned that access would be restricted or that the account would be closed. The lack of notification prevented me from taking timely steps to address the situation ( such as relocating funds, changing payment arrangements, or preventing downstream impacts to my finances ). # # XXXX ) Relief/financial compensation requested I request that the CFPB require Ally Bank XXXX XXXX financial compensation for the harm caused by : - my inability to access my funds, including the {$260.00} deposited on XX/XX/year> ; and - my inability to use my debit card as needed after the account was closed. # # XXXX ) XXXX ( dates provided ) - XXXX XXXX XX/XX/year> : XXXX XXXX I transferred XXXX XXXX XXXX XXXX XXXX into my Ally savings account. - * * XX/XX/year> : * * I noticed my account was * * closed * * and I could not access my funds or use my debit card. - * * XX/XX/year> ( and onward ) : * * I received * * no email * * and had * * no email notification * * regarding the closure. # # XXXX ) Evidence ( available upon request/ attach if possible ) I can provide supporting documentation, including : - Proof of the * * {$260.00} transfer * * ( confirmation/receipt/screenshot ) # # XXXX ) Statement of facts/ compliance concern Because Ally Bank closed XXXX account XXXX * without notifying me * * especially right after I deposited fundsthe actions appear irresponsible and caused avoidable consumer harm. I request CFPB assistance to address this matter and ensure Ally provides appropriate remedy and accountability.

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 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing this complaint against XXXX Card for failing to properly investigate and resolve a dispute involving two fraudulent charges totaling {$4600.00} from a merchant called XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. On XXXX XXXX XXXX, my fiance was approached at a mall kiosk by XXXX XXXX XXXX employees. A male salesperson physically grabbed her hand, prevented her from leaving, and applied a product to her skin without her consent. She was alone with multiple male employees and felt threatened and unable to leave freely. The salesperson made illegal claims that the products were " medical grade '' and would " cure '' skin conditions claims that violate Federal Trade Commission guidelines. Under duress, she was pressured into signing a document that was presented as a reseller agreement. Buried within that document was language referencing agreement to charges. She was never given adequate time to read it and signed under physical and psychological coercion. The business also photographed her ID and credit card without her consent. Two charges were processed : - XXXXXXXX XXXX XXXX XXXX {$4300.00} - XXXX XXXX XXXX XXXX XXXX : {$300.00} - Total : {$4600.00} We filed a dispute with XXXX. The dispute was initially ruled in our favor. XXXX XXXX XXXX then submitted a response and XXXX reversed the decision, citing the signed document as proof she agreed to the charges. We submitted a formal rebuttal to XXXX along with the official XXXX Police Department Case Report ( Case # XXXX ), which lists XXXX XXXX XXXX as the Offender/Suspect and my fiance as the Victim. The report documents that she felt coerced and that her ID and credit card were photographed without consent. XXXX 's final response was that because she signed a document stating she received the products, there was nothing they could do, and suggested we pursue legal action outside of XXXX. XXXX failed in its obligation under the Fair Credit Billing Act to conduct a proper investigation. A signature obtained under physical coercion and misrepresentation is not valid consent. The police report clearly supports our account of events. XXXX ignored this documentation and sided with a predatory merchant. We are requesting : 1. A full chargeback of {$4600.00} 2. Reversal of all interest and fees that have accrued on these charges since XXXX XXXX XXXX 3. A full review of XXXX 's handling of this dispute Supporting documentation available : - XXXX XXXX Case Report # XXXX - Two receipts totaling {$4600.00} - Formal rebuttal letter previously submitted to XXXX

Company response to consumer: Closed with explanation