vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In addition to my previous complaint, I would like to provide further information regarding the unauthorized wire transfer and Wells Fargo 's handling of my account security. During the course of Wells Fargo 's investigation, the Fraud Department informed me that the IP address associated with this unauthorized wire transfer was the same IP address that had been linked to prior fraudulent activity involving my accounts. This information is particularly concerning because my Wells Fargo accounts have been compromised multiple times, and I had previously placed fraud alerts and requested enhanced security measures after repeated incidents of unauthorized access. Despite the history of fraudulent activity and the apparent identification of a recurring source, Wells Fargo did not implement sufficient safeguards to prevent this latest unauthorized wire transfer from occurring. According to the information provided to me, the wire transfer was processed at approximately XXXX XXXX Pacific Time. I immediately contacted Wells Fargo 's Fraud Department at approximately XXXX XXXX to report the transaction as fraudulent and to request that the wire transfer be stopped and recalled. Despite this immediate notification, the transaction was not prevented. I was later informed that Wells Fargo 's Fraud Department contacted XXXX XXXX regarding the fraudulent wire transfer at approximately XXXX XXXX Eastern Time. Given that Wells Fargo was notified within minutes of the transaction and was aware of my prior fraud history and existing fraud alerts, I am concerned that adequate and timely measures were not taken to prevent or recover the transfer. I respectfully request that this matter be reviewed to determine whether Wells Fargo exercised reasonable fraud-prevention, account-security, and response procedures under the circumstances, particularly in light of the repeated compromises of my account and the prior identification of the same source of unauthorized access. The resolution I seek is the recovery and return of the funds transferred through this unauthorized transaction, along with a full review of Wells Fargo 's security and fraud response procedures for my accounts.

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 2026-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Rosebud Economic Development Corporation
State: OH

Complaint narrative:
This is an emergency update to active Case # XXXX. My Quick Wallet is actively retaliating during a federal investigation. On XX/XX/year>, they sent a new email explicitly threatening to contact my employer and bank, knowing it jeopardizes my job. This is a severe, ongoing violation of the FDCPA. I am attaching the new threat email as 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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am disputing a collection account reported by Credit Collection Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX for approximately {$130.00}. While I previously had an insurance policy with XXXX XXXX for a brief period, I never received any billing statements, collection notices, validation of the debt, or other communication informing me that a balance was owed before the account was placed into collections and reported to the credit bureaus. Because I was not provided proper notice or an opportunity to address the alleged balance before it was sent to collections, I am requesting that the company provide documentation showing : The origin of the debt and how the amount was calculated. Copies of all billing statements and collection notices that were allegedly sent. Proof that the debt was properly reported and verified. If the company can not provide sufficient documentation verifying the debt and demonstrating that proper notice was given, I request that the collection account be removed from my credit reports. I am seeking a fair investigation and correction of any inaccurate or unverifiable information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i applied for a barclays XXXX credit card around XX/XX/year> wish it was approved, i did directly through my XXXX console, the console clearly displayed a wellcome bonus of XXXX point wish is XXXX dollars value after first purchase ( i will suply a stock image of same message since mine doesnt longer have since i got the card ), in term and conditions it said it applies after your first purchase and after your first billing cycle, i did a complementery call XX/XX/year> to have an idea when will i recieve since all conditions were met, to my surprise they didnt find any promotion with my account and even acted as the promotion didnt existed when info about is readily avialable online and promotions is being going on for years, my furstration at this point is no the money but the fact that i signed into a credit card under false advertising, thats unacceptable specially since there is no small print that i missed, i reviewed term and conditions wish i will submit and there is no stipulations about things to meet to get the promotion, it is simply a wellcome bonus upon approval and first purchase, i tried to escalate to a higher up with no avail since the best outcome was a " investigation '' that will take over a month when it took me 30 minutes to find all the info myself.

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 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the specified accounts were not opened by me and are not associated with my identity. Kindly investigate and delete them once confirmed. Documentation is attached.

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 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
See complaint XXXX for the original issue. In response to that complaint, Rocket Mortgage provided the necessary mortgage assumption application paperwork on XX/XX/XXXX, sending the information to my email and attaching it to complaint in the CFPB portal. The documentation instructs assumption applicants to email the requested documents to XXXX. I emailed all the requested paperwork to that address on XX/XX/XXXX. The first response I've received to that submission is a letter today delivered by XXXX that they were closing the case, indicating my response was not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I dispute this collection account in full. The amount alleged is {$1100.00} ( reported to XX/XX/XXXXas {$1100.00} ). I disputed it in writing twice on XX/XX/year> and XX/XX/year>. On XX/XX/year> the company provided a cover letter, a copy of my lease, and a XXXX Account XXXX. Those documents do not validate the debt ; they show it is invalid : The charge is principally a {$1200.00} " early termination fee. '' I did not terminate my lease early. My signed lease states the term ends at XXXX p.m. on XX/XX/year>. I moved out on or before XX/XX/year> the natural expiration date of the lease. Moving out on the last day of the lease term is not early termination. The creditor 's own XXXX Account XXXX lists a contradictory lease-end date : its " XXXX information '' section shows the lease expiring XX/XX/year>, which conflicts with the signed lease 's stated end date of XX/XX/year>. The signed contract controls. The {$1200.00} equals exactly 85 % of my {$1400.00} monthly base rent a reletting charge that under the lease applies only if a tenant fails to give the required written move-out notice. I gave written move-out notice on XX/XX/year> and requested written acknowledgment, which the creditor never provided despite the lease requiring it. The lease 's Early Termination Fee Option has no dollar amount entered, and the lease states : " If any values or number of days are blank or ' XXXX, ' then this section does not apply. '' No early termination fee provision is in effect. The lease required more than 30 days ' move-out notice, which obligated the landlord to send a specific written reminder of the notice deadline. The only notice I received was a generic renewal flyer, not the required reminder. Under the lease, if no reminder is given, only 30 days ' notice is required and my notice exceeded that. The only charges that XXXX be legitimate are final utility bills of approximately {$120.00}, which are fully offset by my {$300.00} security deposit that the creditor 's own statement confirms it holds leaving a balance owed to me, not by me. Despite my written disputes, the company reported this collection account to XXXX on XX/XX/year>, lowering my XXXX XXXX while the dispute remains unresolved.

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 2026-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
XXXX XXXX closed my XXXX Secured credit card account on XX/XX/year>, after I mailed XXXX valid payment coupons ( special endorsements under XXXX XXXX XXXX ) on XX/XX/year>. They initially claimed they never received my payments, then later admitted they rejected them because they " don't accept altered billing statements '' a false characterization of a legally valid negotiable instrument. They provided no specific adverse action reason for the closure as required by XXXX, only stating " business concerns. '' They then applied my {$200.00} security deposit to the balance without consent, kept the account in a " closed-but-restricted '' status while generating new due dates and charging interest, and removed the account from my online portal after I filed CFPB complaints. They damaged my credit and continue to demand payment on an account they claim is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
There was a Navy Federal Credit Union legal description error on my mortgage, linking my primary residence to an adjacent, paid-off parcel that I own separately. NFCU officially acknowledged and corrected the loan documents to remove the wrong lot, but their escrow department failed to update their system. Since XX/XX/year>, I have repeatedly contacted NFCU via phone and secure message. Each time, I was promised a resolution within days, but nothing was done. NFCU issued an inaccurate escrow shortage based on the wrong parcel and the parcel my home is located on. To protect my credit and avoid default, I paid the shortage of {$1200.00} plus an additional {$800.00}, totaling {$2000.00} on XX/XX/year>. NFCU is now in possession of unearned funds for a non-collateral property, directly violating RESPA Regulation X, and my mortgage remains erroneously inflated. On XX/XX/year>, I sent a formal Notice of XXXX via XXXX Mail. Because NFCU has ignored my internal communications for over XXXX months, I request federal intervention to force NFCU to remove the secondary parcel permanently and resolve this matter immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
I am filing this complaint against Absolute Resolutions Investments , LLC, a debt buyer that purchased a pool of charged-off credit card accounts from XXXX XXXX XXXX XXXX and has filed a lawsuit against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) seeking {$20000.00}. During more than XXXX months of litigation, Absolute Resolutions has been unable or unwilling to produce : ( 1 ) a signed credit agreement between me and any party ; ( 2 ) a bill of sale that specifically identifies my account by name or account number ; ( 3 ) a proper business records affidavit from someone with specific personal knowledge of my individual account; or ( 4 ) an explanation of how the claimed balance was calculated given that the interest rate on my account changed from 6.00 % to 18.00 % in the final months before charge-off with no explanation. Despite lacking this foundational documentation, Absolute Resolutions has continued to pursue this lawsuit, filed a Motion for XXXX XXXX seeking a {$20000.00} judgment, and submitted a proposed court order pre-filled with the judgment amount requesting it be signed without a hearing. Absolute Resolutions ' own discovery responses admit that no contract exists directly between me and Absolute Resolutions. I believe Absolute Resolutions has violated the Fair Debt Collection Practices Act by pursuing a lawsuit without adequate documentation to establish ownership of my specific account, by making false representations about possessing documents it has failed to produce, and by attempting to collect an amount whose accuracy can not be verified. I have filed a formal FDCPA counterclaim in the pending litigation. I am requesting that the CFPB investigate Absolute Resolutions Investments , LLC 's debt collection practices including its practice of filing lawsuits without adequate account-specific documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
XX/XX/year> XXXX charged my checking account ( with current bank ) for XXXX XXXX XXXX XXXX I filed a dispute with current bank to retrieve my {$560.00} back from XXXX. So a dispute was opened. XXXX XXXX the dispute was closed. Current was not in my favor. I was under the impression that they returned payment to XXXX. This is where it gets confusing. Apparently, by their PDF, it shows they returned funds to my account but my ledger never received XXXX back to it. So I received a letter showing my past due instacash XXXX XXXX was still past due. I called XXXX. They stated they never received the funds from current bank. I then called current bank and they said they show that the funds were paid to XXXX XXXX so I have been going back and forth back and forth with them for weeks now. Very little response from either regarding money. XXXX much more helpful than current. Finally XXXX explained the PDF from current and said, clearly it stated that they return the funds to my account and I never received them and I have been messaging current bank calling current bank and they have not put my funds back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ava Finance, Inc
State: AL

Complaint narrative:
I have made several attempts over XXXX weeks to get in touch with someone to make my final payment. This company has no customer service that you can get a hold to a live person. They mostly use AI to conduct your business they keep reporting me late to the credit bureau XXXX but I have made several attempts over several weeks to try to pay them but there's no way for me to pay them. This is cost me great harm and cause my XXXX XXXX to drop XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding how Navy Federal Credit Union handled multiple unauthorized or disputed transactions on my account. I reported XXXX separate transactions that were not authorized by me, but all XXXX disputes were denied, and the funds were not returned. First, there was an XXXX transaction that I did not make or receive any service for. I disputed this transaction, but Navy Federal denied my claim and allowed the merchant to keep the funds. Second, there were unauthorized online XXXX purchases that I did not make. I reported these transactions as fraud, but Navy Federal again denied the dispute and allowed the funds to remain with the merchant. Third, there was a cashiers check that was issued to a dealership. The transaction did not properly go through as intended, but the dealership was still allowed to retain the funds. I disputed this issue as well, but it was also denied. Lastly, a company took funds without my permission and Navy Federal denied my claim I believe these transactions were either unauthorized, improperly processed, or not adequately investigated. I requested proper dispute resolution and reimbursement, but my concerns were denied without a satisfactory explanation or resolution. XXXX : {$2100.00} Tranactions online : {$2900.00} Cashier Check ( ask to cancel but was told they couldnt and the company keep the money ) : {$36000.00} Guararantors : {$5100.00}

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 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/year> Jefferson Capital Systems Re : Account No. XXXX Original Creditor : XXXX Reported Balance : {$490.00} To Whom It XXXX Concern : I am writing to dispute the above-referenced account and to request validation of the alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, please provide : XXXX. Documentation identifying the original creditor and original account number. XXXX. A complete payment history and accounting of the alleged debt. XXXX. Documentation establishing that I am legally responsible for this debt. XXXX. Documentation showing your authority to collect this debt, including proof of assignment or purchase from the original creditor. XXXX. The date of first delinquency associated with this account. XXXX. Copies of any contracts, agreements, billing statements, or records supporting the debt. XXXX. Documentation supporting the balance of {$490.00} currently being reported. This letter is not an acknowledgment of liability for the debt and should not be construed as a promise to pay. Please note that if you are reporting this account to any consumer reporting agency, you are required to report the account as disputed during the course of your investigation. If you can not provide sufficient documentation verifying the debt, I request that you cease collection activity and correct or remove any inaccurate information being reported to consumer reporting agencies. Additionally, if the debt can not be fully validated, I request that all related entries be immediately deleted or corrected with all consumer reporting agencies and that written confirmation of such removal or correction be provided to me. Please respond in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief