vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank allowed transactions to go through, even though I used the banking app to LOCK my card. Once the card is locked I had a reasonable expectation that charges that were not recurring to not go through. I had no knowledge that XXXX handles TD Bank debit cards. As a result a charge that is disputed went through although the card was locked and has caused severe financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am disputing a {$900.00} transaction made on XX/XX/year>, at XXXXXXXX XXXX from my card ending in XXXX to a debit card ending in XXXX via XXXX XXXX. Although I authorized the transaction, I did so because I was deceived by someone impersonating a Navy Federal Credit Union representative using what appeared to be their official phone number. I was given instructions that I now understand were part of a scam. I would not have sent the money under normal circumstances. I reported the incident immediately, and both XXXX XXXX and Navy Federal are investigating. I am requesting that this transaction be reviewed as fraud and that the {$900.00} be reimbursed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

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 XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am submitting this complaint regarding a fraud claim that was denied by Wells Fargo involving a sophisticated bank impersonation scam. On XX/XX/year>, I received a phone call that appeared to come directly from Wells Fargos official phone number. The caller identified themselves as a Wells Fargo representative from the fraud department. At the same time, I received text messages within an existing Wells Fargo SMS threadthe same thread where I had previously received legitimate verification codes from the bank. Because both the phone number and text messages matched Wells Fargos official communication channels, I reasonably believed I was speaking with an actual Wells Fargo representative. During this interaction, I was told that my account had been compromised and that I needed to take immediate action to secure my funds. I was instructed to remove my cards and send funds through XXXX XXXX as part of the security process. Believing I was following legitimate fraud prevention instructions from Wells Fargo, I complied. I later discovered that this was a scam involving caller ID spoofing and SMS thread spoofing ( impersonation of Wells Fargo ). As a result, I lost approximately {$2200.00}. I promptly reported the incident to Wells Fargo. The bank initially issued a provisional credit but later reversed it, stating they were unable to honor the claim because the transaction was authorized. I strongly dispute this determination. This transaction was not truly authorized. My actions were taken under false pretenses due to a highly convincing impersonation of Wells Fargo using their own communication channels. The scammers ability to : Spoof Wells Fargos phone number Send messages within an existing Wells Fargo text thread Instruct me to take security measures created a situation where any reasonable customer would believe they were communicating with their bank. Wells Fargo has failed to adequately consider the role that impersonation and compromised communication channels played in this fraud. This was not a simple scam ; it was a targeted and sophisticated attack leveraging trust in the banks identity.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I attempted to contact the credit card company yesterday via email at their web site and via phone. When I called I gave all my sign in data and got a XXXX message stating my account has been closed and the bank will not reopen closed accounts - then connection cut off. Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card - now controlled by Bread Financial - Commenity Bank I have had this account - since XXXX I believe. First aware of a problem In XXXX, XXXX. Believe I tried to use the card and vendor rejected my card. So called number on card - XXXX. Customer rep told me there was a hold on my account. No explanation why- told me they notified me of this via US mail earlier. Never received us US or email notice. Only way to lift hold was to verify my identity by Mailing in to their center a copy of my license and a copy of a current Utility bill. address he said = Bread Financial,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did this that week - also checked online and found that notice. logged in online and saw the notice. Waited XXXX week and called for update -not received. tried again a few days later and again no response. Finally called again and this time rep told me I had to submit a scanned copy of my license and utility bill on their online Portal - no one told me this before. So submitted to online Portal - think in XXXX, XXXX and message said it was transmitted over OK. Another call to center and rep told me had to call credit department. Called there and told it would take 4 - 6 weeks to get a response. No answer - called again - no answer. Yesterday I got an email from a credit checking agency I have account with that a credit card of mine had been closed. Called Visa and yes. I have an excellent credit rating - XXXX and I do not want it ruined by this incompetent company. My balance on the account was XXXX when this happened and I have always paid my charges on time. I planned to close this account once they reinstated me because of the poor customer service I received from them. Please help me fix this error. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: DC

Complaint narrative:
XX/XX/XXXX ( XXXXXXXX ) I initiated a {$2000.00} transfer to XXXX XXXX which was immediately declined due to security concerns after properly linking my bank account information. I called to inquire why this transaction was declined and Marcus said it is in re-review that should take no more than a few days for the transfer to be initiated. Call lasted 19 minutes total. XX/XX/XXXX ( XXXX ) I called Marcus by Goldman Sachs and requested a written reason for why the transfer was declined. The first-line representative could not provide a sufficient response ( very vague answer about security reasons and mention of a bank that was not even involved in the transaction ), so I requested to elevate the inquiry to higher management. I was not immediately transferred to higher management, but the first line Customer Support Representative came back from a brief hold and confirmed that my money had not technically been in the account long enough to transfer to another account, despite being advertised as available to use and would be available for access immediately on the banks digital platform. I was transferred to a different department where I asked specifically why my {$2000.00} transaction was declined, and if I could get the reasoning in writing. They could not provide a firm reason ( or any statement in writing ) or point to a specific clause in the Deposit Account Agreement outlining the required duration for funds to be idle in the account prior to transfer to an external account. They just referenced that I review the Marcus by Goldman Sachs Deposit Account Agreement ( Effective XX/XX/XXXXXXXX ). I requested to speak to a supervisor, XXXX, and she was unable to provide a sufficient answer as well. I mentioned that I would be closing the account and filing a complaint with the Consumer Finance Protection Bureau and I asked her to also submit a complaint on her end in addition to a request for more specific language pertaining to XXXX XXXX XXXX XXXX in the Deposit Account Agreement. Total time spent on this call with 3 different representatives was 50 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: NJ

Complaint narrative:
I am filing a formal complaint against PayPal regarding the handling of my unauthorized transaction dispute. Someone gained access to my personal information and used my PayPal account to send money without my authorization, totaling {$2100.00}. I reported the issue promptly and have been trying to resolve it for an extended period, but PayPal has not provided a clear or consistent resolution. During my interactions with PayPal, I was informed by a supervisor over the phone that I was eligible for a goodwill provisional credit following a manual review of my case. However, when I followed up through their messaging system, other representatives denied that any such offer existed and stated there was no documentation to support it. At the same time, those same representatives claimed their decisions were based on supervisor guidance, yet refused to connect me with or escalate my case to a supervisor. This has created a situation where I am receiving conflicting information with no way to verify or resolve it. PayPals explanations regarding provisional credit have also been inconsistent. I was told that such credit could not be issued until the case was resolved, which contradicts the general understanding of provisional credit as a temporary measure provided during an ongoing investigation. Additionally, representatives acknowledged they rely on internal notes, but also admitted that prior agents failed to leave documentation, effectively disregarding previous communications and decisions made on my case. As a result, I have been left without resolution while dealing with unauthorized activity on my account. I have attached chat transcripts that reflect the inconsistencies, lack of escalation, and failure to properly investigate my claim. I am requesting that this matter be reviewed thoroughly, that my stolen funds be reimbursed, and that PayPals handling of my case be evaluated to ensure fair treatment and proper adherence to dispute resolution standards. ( No supervisor called me back ) Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: MD

Complaint narrative:
I am filing a complaint regarding a fraudulent transaction facilitated through the Coinbase Hub application. I was able to interact with an inauthentic XXXX token contract that was surfaced or enabled within Coinbase Hub, resulting in financial loss. Coinbase later confirmed that the token contract was fake, yet the platform did not provide adequate warnings, validation, or safeguards to prevent this transaction. While I understand that blockchain transactions are irreversible, the issue is not the mechanics of XXXX tokens, but Coinbases platform design and consumer protections. Coinbase Hub enabled interaction with a fraudulent or duplicate token without clear disclosure or restriction, despite CoinbaseXXXX position as a trusted financial services provider. I notified Coinbase of the issue, placing them on notice that fraudulent token interactions are occurring within their platform. Coinbase has not provided satisfactory remediation or explanation of safeguards. I am requesting that Coinbase : Address whether its platform design constitutes an unfair or deceptive practice ; Explain what controls are in place to protect consumers from fraudulent token contracts surfaced in its application ; and Provide appropriate remediation. I am seeking regulatory review of Coinbases practices and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am submitting this complaint as a follow-up to a previously closed CFPB complaint regarding the same issue, which remains unresolved due to Citibanks failure to conduct a reasonable investigation. This dispute involves a {$9500.00} transaction for a cosmetic procedure in New York where the services were not rendered as agreed. I provided supporting documentation, including photographs clearly showing that no procedure was performed and that my appearance remained unchanged. The merchants rebuttal relied on before photos and a signed agreement for the procedure. However, the merchant only provided before photos ( specifically of my body, not my face ), and no after evidence showing that any procedure was completed. A signed agreement only shows intent to receive a serviceit does not prove that the service was actually performed. I submitted my own photos showing no change, demonstrating that the procedure was not done. Despite this, Citibank denied my dispute. After the initial denial, I escalated the matter and requested that the investigation be reopened. The claim was reopened ; however, it was denied again within approximately three business days ( from XXXX to XXXX ). This extremely short timeframe raises serious concerns that no meaningful reinvestigation took place. On XX/XX/year>, I received a response from Citibanks Executive Response Unit stating that their prior decision would remain unchanged. The response did not address the evidence I submitted, did not explain how the decision was reached, and did not provide transparency into the merchants rebuttal. The tone of the response was dismissive and unprofessional. Throughout this process, I have made multiple attempts to resolve the issue by contacting Citibank and requesting confirmation that my evidence was reviewed, as well as a clear explanation of their decision. These requests have not been adequately addressed. This issue is not only about the disputed transaction, but also Citibanks failure to properly investigate after reopening the claim, failure to consider material evidence, and lack of transparency in its decision I am requesting that Citibank conduct a proper and independent reinvestigation of this dispute, with full review of all submitted evidence. If the merchant can not provide verifiable proof that the service was completed ( including legitimate after-results ), I am requesting that the {$9500.00} transaction be refunded in full. I also request a clear, detailed written explanation of how the final determination is made, including how the merchants response was evaluated against my evidence.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America took funds from my savings account without my permission and refuse to return those funds to my account. This has left me in distressed without funds to cover my expenses.

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 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I signed up for Experian identity works premium and didnt get to unsubscribe before it started billing me without warning and now Im locked out my account till I pay it but I just wanted to give it a trial run and it didnt really make big difference from the free version. I didnt know when the trial would be over.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I am filing this complaint against Transworld Systems Inc. regarding an alleged XXXX telecommunications debt in the amount of {$500.00} that I do not recognize as valid. On or about XX/XX/2026, I formally disputed this alleged debt in writing and requested full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I requested the name and address of the original creditor, a complete accounting of the alleged debt, a copy of any signed agreement, proof of the companys authority to collect, and documentation showing I am legally obligated to pay. To date, Transworld Systems Inc. has failed to provide the requested validation. I do not acknowledge this debt and dispute its validity in its entirety. Despite my formal dispute, I am concerned that the company may continue collection efforts or report inaccurate information to credit bureaus without proper validation. I am requesting that Transworld Systems Inc. either provide proper validation of this alleged debt or cease all collection activity and remove any related information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I am writing to formally express my dissatisfaction with the conduct of Tower Loan. Despite my account being current and having no outstanding issues, I received persistent, unnecessary phone calls from your XXXX office on a daily basis. This behavior was both disruptive and unwarranted. Due to the frequency and nature of these calls, I ultimately had to block your number to avoid further interruptions. I also found it highly inappropriate that your representatives contacted my workplace, even after I specifically requested that they refrain from doing so. There was absolutely no justifiable reason for Tower Loan to reach out to my employer, as my account was never delinquent. I am providing a record of all the calls I received to support my complaint. Based on my experience with various financial companies, I have found Tower Loans practices to be particularly unprofessional and distressing. I request that Tower Loan immediately cease all unnecessary communications with me, especially any contact with my workplace. I also expect a formal response addressing these concerns and outlining steps the company will take to prevent such incidents in the future.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint regarding an invalid and improperly handled debt that has surfaced during a critical financial transaction. Over two years ago, I closed my account with Regions Bank specifically due to excessive and unfair overdraft fees. At the time of closure, I was explicitly assured by the bank that my account balance was settled in full and that any outstanding overdraft fees would be waived. Based on these representations, I proceeded under the clear understanding that I had no remaining obligation to Regions Bank. Now, more than two years laterand in the middle of attempting to close on a homeI was unexpectedly contacted by XXXX XXXX XXXX claiming that I owe Regions Bank in excess of {$360.00}. This alleged debt was never previously communicated to me, and XXXX made no attempt to notify me by mail or provide any written validation of the debt prior to their call. When I requested proof that this is a legitimate and valid debt, XXXX XXXX XXXX refused to comply with my request. This is a direct violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request. The timing and handling of this matter are highly concerning, as it is now jeopardizing my ability to complete a home purchase. I believe this debt is either invalid, improperly calculated, or the result of Regions Bank failing to honor their prior commitment to waive the fees upon account closure. I am requesting the following : Immediate validation of the alleged debt, including a full accounting of how the amount was calculated. Documentation from Regions Bank showing that I agreed to or was properly notified of any remaining balance after account closure. An explanation as to why no written notice was provided prior to collection efforts. Immediate cessation of collection activity until proper validation is provided. Removal of this debt from any credit reporting agencies if it can not be properly validated. This situation reflects both a failure by Regions Bank to uphold prior assurances and a failure by XXXX XXXX XXXX to comply with federal debt collection laws. I request prompt investigation and resolution of 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 explanation