vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Formal Dispute of Denied Fraud Claim Unauthorized Transfers ( EFTA Violation ) I am writing to formally dispute Wells Fargos denial of my fraud claim regarding unauthorized transactions conducted on my account. Reference # : XXXX On XX/XX/2026, I received a fraud alert text message from Wells Fargo regarding suspicious activity. I immediately responded that I did NOT authorize the transactions and reported the incident as soon as I became aware of it. The transactions in question are : Money Transfer XXXX {$190.00} Money Transfer XXXX {$190.00} Money Transfer XXXX {$190.00} Money Transfer XXXX {$190.00} Conducted via XXXX XXXX on XX/XX/2026 Total : {$790.00} These transactions were NOT authorized by me. My XXXX XXXX account and/or personal information appear to have been compromised, allowing an unknown third party to initiate these transfers without my knowledge or consent. I did not initiate, approve, or benefit from these transactions in any way. Wells Fargo denied my claim based on the fact that my card was in my possession and that my email address matched their records. However, these factors do not constitute proof of authorization. Unauthorized electronic fund transfers can occur through compromised credentials or unauthorized access without physical possession of a card. Under the Electronic Fund Transfer Act ( EFTA ), the financial institution bears the burden of proving that a disputed transaction was authorized. To date, Wells Fargo has not provided sufficient evidence demonstrating that I authorized these transfers. Additionally, I reported the unauthorized activity immediately upon receiving the fraud alert, which entitles me to full protection 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 2026-04-27 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: ME

Complaint narrative:
SOMEBODY CREATED AN ACCOUNT WITH CAPITAL ONE UNDER XXXX XXXX ( MY NAME ) AND HAD A CARD SENT TO MY MOTHERS HOUSE ON XX/XX/year>. I HAVEN'T MADE AN ACCOUNT WITH CAPITAL ONE AND HAVE NEVER GOTTEN A CREDIT CARD. I'M REPORTING IDENTITY THEFT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was in XXXX XXXX taking a class when there was some transactions in XXXX XXXX XXXX store. My debit was physically with me in XXXX XXXX on XXXX XXXX XXXX. My bank bmo is claiming code XXXX and refuses to return my money even when it clearly wasn't me. It was close to XXXX. But they won't return XXXX. Back to me stating that I need to contact apple. But I dont even have an account with XXXX. I do not know what method was used just that it was at an XXXX store in XXXX XXXX. I have attached my flights to XXXX XXXX and my lift rides. Also my class information. When I went to the bank I gave them my physical card showing them it was with me. Ive since made a police report, blocked my social and credit also changed 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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
The response letter from XXXX XXXX dated XX/XX/year>, provided an incorrect contact number ( XXXX ) which belongs to a third-party insurance company. Furthermore, the bank has failed to issue the {$1300.00} refund check promised by phone 20 days ago.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I paid my credit card balance, but due to payment posting timing relative to the statement cycle, an interest charge was applied unexpectedly. This was not a missed or late payment. I contacted the issuer multiple times to request a onetime courtesy adjustment based on my payment history, but my request was denied. I am requesting a review and a courtesy statement credit for the interest charge caused by this timing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Subject : Bank of America Improper Denial of Unauthorized Transactions ( Regulation E Violation ) I am submitting a formal complaint against Bank of America regarding the improper denial of my claim for unauthorized electronic transactions. Account Information : Account Holder Name : XXXX XXXX Last four digits of credit card account : XXXX Claim number : XXXX Amount : {$230.00} Description of the Issue : I was a victim of internet fraud involving my XXXX account, which appears to have been compromised by an unauthorized individual. The fraudulent activity originated from XXXX, where someone accessed my account over the phone and made unauthorized purchases. The purchases were made with XXXX XXXX in XXXX, XXXX. I located the copy of XXXX email in my junk email folder a month later. See attached. My phone is an XXXX XXXX. The unauthorized transactions include : Restaurant dining purchases Celebrity XXXX XXXX XXXX XXXXXXXX at XXXX in XXXX XXXX - worth {$75.00}. A show booking in XXXX XXXX at XXXX XXXX XXXX and XXXX XXXX XXXX with XXXX for the show on XX/XX/XXXX worth of {$160.00}. The receipts are attached. These transactions were made without my knowledge or authorization. I work in XXXX XXXX XXXX and I havent travel to XXXX XXXX. I come to the office every day and my employer can confirm that. Timeline : Fraudulent transactions occurred on : XX/XX/XXXX I discovered the issue on : XX/XX/XXXX I reported the unauthorized transactions to Bank of America on : XX/XX/XXXX Banks Failure to Act : Despite prompt notification, the bank failed to : Conduct a reasonable and timely investigation Provide provisional credit as required Properly classify these as unauthorized transactions I have followed up multiple times, but the bank has not resolved the issue or reimbursed the funds. Also, it kept issuing the same responses to my claims. XXXX XXXX : The total amount of unauthorized transactions is {$230.00} which remains unreimbursed plus interest charges. Steps Already Taken : Reported fraud to the bank immediately Secured my accounts ( changed passwords, etc. ) Attempted to resolve through customer service with no success

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I dont believe this account with central portfolio cont if mine and I may have been a victim of identity fraud. This specific account Im referring to is ( XXXX ) for the amount of {$1400.00} .however its another account that have yet to hit my account thats Im disputing with them as well that could be possible related to the identity fraud case. We I spoke with central portfolio they notified me that both of these accounts were from XXXX but however its just hitting my accounts. I did request proof that these were my account so I ask for wet signatures proof and to see who owes the debt and could they send this to me in 30 days or I we be asking that this be removed from my credit. 30 day from the day I requested this information would be on XXXX XXXX and Im asking that it be sent in a timely manner. Sincerely XXXX XXXX To who ever this may concern thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
We were fraudulently mislead into a XXXX year lease by empwr solar. They told us that At the point in time that we started producing more energy then we were using with the solar panels that XXXX XXXXXXXX would credit us and essentially pay us for the overage of energy provided to the grid. We found out yesterday that that's not the case we will always have a bill from XXXX XXXXXXXX no matter how much energy more XXXX we provide to the grid. This has essentially locked us in a predatory lien agreement with good Leap where we are paying a combined total more than {$300.00} a month for the next XXXX years. I the representative had been honest about the billing practices we would have never signed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my Chase account was hacked. The hackers initiated a payment of {$440.00} to XXXX from my account. Chase advised me to close that account immediately to prevent further unauthorized activity. I followed their guidance : I paid the {$440.00} owed to XXXXe from a different source, and I closed the compromised Chase account. In XX/XX/XXXX, my XXXX service was disconnected. XXXX stated that no payment had been received on my account since XX/XX/XXXX. I called Chase and, while still on the line, conferenced in XXXX so both parties could speak directly. During that call, Chase confirmed that the payment had been sent to XXXX, but XXXX maintained that they had never received any such payment. Chase provided me with the following reference number and instructed me to contact Visa to trace the transaction : Chase reference number : XXXX I called Visa as directed, but Visa informed me that they do not have access to Chase account records and no way to trace the payment on their end. As of today, I am out {$440.00}. Chase says the payment was made, XXXX says it was never received, and Visa says they can not help. I need Chase and XXXX to work together to locate these funds and return them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/year> I attempted to withdraw {$200.00} from an ATM in a parking lot on XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The ATM did not dispurse the money, nor did it print a receipt. The ATM screen reset back to the home screen. I assumed the transaction was not completed. On XX/XX/XXXX, I checked my Chase bank account online and saw that my bank withdrew the funds, plus the {$8.00} non-network ATM fee. I immediately disputed the charge with the bank. On XX/XX/XXXX, they denied the dispute. I immediately escalated to the Chase 'executive office ' for further review. On XX/XX/XXXX, they telephoned me and informed me that they are still denying the dispute. I asked for other escalation contacts and they refused. I asked for the details of who the ATM provider was, and the records associated with their investigation and they refused. They have indicated I need to file a legal claim and get a court order to subpoena the records in order to provide me with the information necessary to take legal action against the ATM provider. Chase bank has failed to comply with its Regulation E error resolution requirements, as they are relying on the ATM operator refusal instead of conducting their own independent investigation. I repeatedly requested that they review the camera records on the ATM and they refused to do so.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My account was closed by Capital One, but I still have {$790.00} in cash rewards remaining. These rewards were earned through legitimate purchases. Capital One has not provided a way for me to redeem or receive these funds after the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bilt Technologies, Inc.
State: GA

Complaint narrative:
I am writing to formally request the full reversal of interest and late fees assessed on my BILT account as a result of a balance transfer payment that was incorrectly routed due to BILTs issuer transition from XXXX XXXX. On XX/XX/year>, XXXX initiated a balance transfer in the amount of {$4200.00} to pay off my BILT credit card balance. Although XXXX confirmed the payment was sent using the correct BILT account number listed on the back of my newly issued BILT XXXX XXXX, the payment was not applied to my active BILT account. After remembering that BILT transitioned away from XXXX XXXX in XX/XX/year>, I reviewed my former XXXX XXXX BILT account and discovered a credit for {$4200.00}, matching the transferred amount. XXXX XXXX confirmed that this issue was affecting multiple BILT cardholders and initiated a full refund of the misapplied payment. I received this refund on XX/XX/year>. Due to this incorrectly routed balance transfer and the need to wait for a refund, an issue stemming directly from the BILT issuer transition, I was unable to remit full payment by my XX/XX/year> due date. Importantly, I proactively contacted BILT Customer Support on XX/XX/XXXX, prior to the due date, to explain the issue and request temporary grace until the refund was received. I was specifically advised that any interest/ fees incurred would be removed once full payment was made. After receiving the refund, I paid my BILT balance in full on XX/XX/year>. Despite this, my account incurred {$120.00} in interest and late payment fees. I contacted BILT Customer Support again on XX/XX/XXXX, and followed up with an email on XX/XX/XXXX attaching XXXX and XXXX XXXX statements clearly documenting the balance transfer history and error. While BILT partially waived {$55.00} of the fees, I am still being held responsible for {$68.00} in interest, despite the issue being outside of my control and previously acknowledged by the BILT support team. Given the circumstances, including timely action on my part, advance notice to BILT before the due date, and clear evidence that the payment routing failure resulted from BILTs issuer transition, I believe it is unreasonable to hold me responsible for any portion of the interest or fees incurred. I respectfully request that the remaining {$68.00} in interest be fully reversed and that BILT take prompt action to resolve this systemic issue to prevent further impact to other cardholders. I met my obligations in good faith, and the charges assessed are the result of an internal payment processing failure, not delinquency. Thank you for your attention to this matter. I look forward to a timely and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I sent Jefferson Capital Systems , LLC a written request for debt validation and proof of ownership for an account they are reporting on my credit report. In my letter, I specifically requested documentation showing that Jefferson Capital has legal authority to collect the debt, proof that the account was assigned or sold to them, and documentation supporting the amount being reported. In response, Jefferson Capital sent a letter dated XX/XX/year> stating that they were providing verification of the debt. However, the documents provided do not verify ownership of the account or demonstrate that XXXX XXXX has the legal right to collect the debt. The response only included what appears to be a billing statement from the original credit card account and does not include a bill of sale, assignment documentation, or other proof showing that the account was transferred to Jefferson Capital. Despite the lack of documentation proving ownership or full validation of the debt, XXXX continues to report the account as verified after I disputed the account with them. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, information reported on a consumer credit report must be accurate and verifiable, and debt collectors must be able to substantiate the debts they attempt to collect. Because Jefferson Capital has not provided sufficient documentation verifying ownership of the account or full validation of the debt, I believe the account is being improperly verified and reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: NC

Complaint narrative:
I have Cash App, which is through XXXX XXXX and touts that it is covered by the FDIC. I put XXXX dollars in Cashapp, and used some for a hotel deposit- for which CashApp charged me twice. The XXXX XXXX where I was staying has no record of two charges ( I confirmed with accounting ) - only one. Deposits are typically released within a week with hotels, but Cashapp says they can hold it for 10 to 30 days. FINE. HOWEVER, I can not dispute the charge because it is pending and as such I can not get the one charge released. I have called and they do not understand that they double-charged me and the hotel has only one recorded transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NY

Complaint narrative:
I received a letter from the XXXX XXXX XXXX XXXX regarding a debt that I do not recognize. The notice references a XXXX matter and threatens wage garnishment, but it includes incorrect details, including the wrong employer and an incorrect legal name. These discrepancies suggest that this notice may have been sent in error or is intended for another individual.

Company response to consumer: Closed with explanation