vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX, GA, XXXX. My date of birth is not provided, but the last four digits of my Social Security Number are XXXX. I am writing to formally dispute the incorrect reporting of my credit card account with WFBNA CARD, account number XXXX. The current balance on this account is reported as {$3400.00}, and it is listed with a derogatory status on my credit reports with XXXX, XXXX, and XXXX. Upon reviewing my credit reports, I have found that the account status is inaccurately reported. I have maintained consistent payments, and there have been no missed or late payments that would warrant a derogatory status. This incorrect information has adversely affected my credit scores across all three major credit bureaus : XXXX ( XXXX ), XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX ). The Fair Credit Reporting Act ( FCRA ) mandates that data furnishers report accurate information. The incorrect derogatory status on my account represents a clear violation of this law. This erroneous reporting has caused significant harm to my financial standing, restricting my ability to access credit on favorable terms and impacting my overall financial health. I have previously contacted WFBNA CARD to rectify this issue but have not received a satisfactory response or correction. As a result, I am requesting the complete removal of this account from my credit reports with XXXX XXXX, and XXXX to prevent further damage to my creditworthiness. I expect WFBNA CARD to act swiftly in addressing this matter and to ensure compliance with federal credit reporting regulations. Your prompt attention to correcting this false reporting is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX [ XXXX ] XX/XX/year> Williams and Fudge XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Request for Debt Validation and Assignment Documentation To Whom It May Concern, I am responding to your recent communication regarding the alleged debt referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting complete validation of this alleged debt. I dispute this debt in its entirety and request that you provide competent, legally sufficient evidence that I have a contractual obligation to pay your company. Please provide the following documents and information : 1. The name and address of the original creditor. 2. The complete payment and account history from origination to present. 3. A copy of the original signed contract, application, or agreement bearing my signature. 4. A complete accounting of the alleged debt, including all fees, interest, penalties, and charges. 5. Proof that your company has legal standing and authority to collect this alleged debt. 6. A copy of the assignment contract, purchase agreement, or bill of sale transferring ownership of this alleged debt from the original creditor to your company. 7. Documentation proving the chain of title for this account, including all assignments or transfers. 8. Proof that the alleged debt is within the applicable statute of limitations. 9. Proof that your agency is licensed to collect debts in my state, if required by law. 10. Verification that any information reported to credit bureaus is accurate and fully verified. Specifically, I request the complete assignment agreement bearing identifiable account information proving that this specific account was legally transferred to your company. A generic spreadsheet, summary, or redacted document will not be considered sufficient validation. Until you provide the requested documentation, you must : * Cease all collection activity ; * Cease telephone communication with me ; * Mark this account as disputed with all credit reporting agencies; * Refrain from reporting, updating, or verifying this account on my credit report. If you can not provide the requested validation and assignment documentation, I demand immediate deletion of this account from all consumer reporting agencies and written confirmation that the matter has been closed. Please note that this letter is not a refusal to pay, but a notice that your claim is disputed. This letter is not an acknowledgment of liability, nor does it grant permission to restart any statute of limitations. I request all future communication be in writing only. I expect your complete response within 30 days of receipt of this notice. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Credit Karma, LLC
State: WA

Complaint narrative:
On XX/XX/year>, I received my first paycheck advance from Credit Karma Money. Immediately after the advance deposited into my Credit Karma Money Spend account, my debit card began declining ALL transactionsphysical card, tap to pay, debit, credit, and transfers to other services like XXXX and XXXX XXXX Credit Karmas support told me I was supposed to receive approval notifications for transactions, but I have never received any notifications despite my phone number being correct in my account. I have contacted Credit Karma support multiple times via chat and phone. The fraud department told me they can not help because main support needs to create a case first, but main support has refused to create the case and instead gave me unhelpful instructions about changing notification settings. I can not access my own money. This has been ongoing since [ date ]. Credit Karma deposited funds into my account and then immediately froze my ability to use those funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I am a XXXX consumer living on a fixed Social Security XXXX income. I am facing an imminent housing crisis due to an inescapable rent increase from {$800.00} to {$1500.00}. I contacted OneMain Corporate proactively while my account is in good standing to arrange an affordable hardship modification so I can protect my essential medical transportation.OneMain Corporate explicitly refused to offer a clean hardship modification. Instead, they stated I must exhaust a mandatory cycle of interest-accruing deferments and partial payments first. This policy is explicitly designed to deceptively inflate my loan balance and compound interest against my fixed income before allowing true hardship assistance. I am requesting an immediate executive override to grant a fixed, low-interest or 0 % APR permanent modificationwithout these interest-compounding trapsso a vulnerable consumer can maintain housing and vital medical transit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
CHIME -- -- BEWARE. I asked for my account to be closed and was informed it was closed on XX/XX/year>. I expressed concern about pending transfers of money to CHIME from XXXX. I was assured that would not be a problem as my account would be closed, the money would revert back to XXXX. Today, XX/XX/year>, CHIME has my money as my account is still open. They refuse to send my money back to me. They are requiring that I request my money in the app. over MULTIPLE transactions and they will charge me fees for each transaction! They are withholding and stealing my money. I have been on the phone with multiple people over a LONG period of time. The issue is not resolved. They even told me to contact XXXX! I asked for a supervisor and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Credit Karma, LLC
State: MT

Complaint narrative:
I just received my paycheck. I take out XXXX paycheck advances to get me through. It is only 1. I am not allowed anymore money. Once my check clears it pays the advance. This time I looked on my account and Credit Karma charged me twice for the same amount. When I called them, I was greeted by someone that spoke choppy XXXX, I asked to be transferred to a supervisor. The supervisor also spoke chopped up XXXX. I then asked if I could be transferred to another person because I can not understand. The supervisor told me no. They can not transfer me again. My main problem is now I am missing out on XXXX dollars. I have evidence of the one payment today, only one payment not twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
All invoices with XXXX have been resolved and fully paid. I do not owe XXXX any outstanding balance. My account balance is currently {$0.00}, and all devices have been paid off in full. As of this moment, I owe XXXX nothing. Therefore, the debt collection claim is no longer valid. XXXX has already restored my credit score to its previous status of Excellent. However, XXXX has been taking significantly longer to address the issue. Their support team continues to tell me that they are unable to restore my credit score and that I simply have to wait. This delay is negatively impacting my ability to rent a commercial space for my bakery caf business. It is also creating difficulties in securing housing in Arizona, where my partner and I are planning to relocate and launch the business. This matter is time-sensitive, and I can not afford to wait indefinitely, or for the additional XXXX to XXXX days I continue to be told are necessary, especially when the issue has already been resolved and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
My identity was stolen... I lost my wallet moving to arizona and somehow somebody must have gotten a hold of it and used my identity to get around these apartments I never lived in... The address on my ID didn't even match neither of this addresses... I have proof I lived elsewhere in another place in XXXX when this happened ... XXXX XXXX and XXXX XXXX have already disputed these fraudulent debts but XXXX is giving me a hard time... Please if I can send u documents of proof I lived elsewhere .. may I please get a report so I can bring it to XXXX .. they told me if I can get one from you guys they'll dispute my false debts... Please I'm tryna get an apartment and this is interfering with me getting that done ... My social doesn't even match the social that was used .. my name isnt XXXX XXXX XXXX XXXX and my last 4 socials are not XXXX it's XXXX and my name is just XXXX XXXX XXXX this is what I'm talking about... I have proof of payment to this place and I found out they reported it during the time I was actively still paying rent elsewhere... I had to get a new social too..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This company has reported a collection account to the major credit reporting agencies ( XXXX XXXX, and XXXX ) without any prior written notice, without validating the debt, and without a legitimate contractual relationship.I have no business relationship with this company and have never entered into any agreementwritten, verbal, or implied. The account was posted to my credit report without my knowledge or consent. Credit accounts are the only accounts eligible for reporting on consumer credit accounts. Their actions have resulted in a significant and unjustified drop in my credit score, which has caused me to suffer : - Reduced credit limits from existing creditors - Denials of new credit applications ; - Reputational harm with legitimate financial institutions.Despite attempting to resolve the issue directly, I have received no explanation or validation of the debt. Their credit reporting practices appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by : - Failing to give proper notice before reporting ; - Reporting without verifying the debt ; - Reporting a non-consumer debt as if it were a credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Klarna AB
State: CA

Complaint narrative:
I purchased 11 items from XXXX using Klarna financing. However, when my package arrived, 4 items were missing from the order. The package was not opened or tampered with. The missing items were : * Plus Size Denim Cargo Shorts With Multiple Pockets Summer Casual Camouflage Print High Rise * XXXX XXXX Oversized Wide Leg Graphic Print Jorts With Script Design And Elastic Waist For Casual Summer Comfort * XXXX XXXX Oversized Wide Leg Contrast Embroidered Script Graphic Jogger Sweatpants With Drawstring Waist And Side Pockets * XXXX Wide Leg Track Pants With Side Stripes XXXX I first contacted the merchant as soon as I received my package through their website regarding the missing items and continued communicating with them through multiple follow-up emails starting XX/XX/year>. Instead of properly addressing my concerns, I repeatedly received automated and dismissive responses. The merchant claimed they conducted an internal investigation and determined that all items were included in the shipment, but this does not align with what I physically received. While I did receive the package, it was incomplete and missing 4 items. Because the merchant would not resolve the issue, I filed a dispute with my credit card bank, XXXX. However, I was informed that because the purchase was processed through Klarna, they could not complete a dispute under Klarnas policies. So I proceeded to file a dispute with Klarna and submitted supporting evidence, including photos of the package contents and communications with the merchant. Despite this evidence, Klarna denied my dispute without adequately addressing the fact that the goods received were incomplete. I am requesting that Klarna conduct a fair review of my dispute regarding the incomplete order and provide reimbursement or appropriate resolution for the missing items that were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I mailed Central Portfolio Control , Inc. ( CPC ) a written dispute, 1692g validation demand, and 1692c ( c ) cease-and-desist notice via XXXX Certified Mail with Return Receipt, directing CPC to communicate with me only in writing sent via U.S. mail. That letter was picked up at the post office and received by CPC on XX/XX/year>. On XX/XX/year> the day after confirmed receipt of my cease-communication notice CPC sent me an additional unsolicited text message from short code XXXX at XXXX XXXX, again directing me to XXXX and referencing Agency ID XXXX. This is the third text message CPC has sent me ( prior texts : XX/XX/year> at XXXX XXXX and XX/XX/year> at XXXX XXXX ). Continuing to contact a consumer by a prohibited means ( text message ) after receiving a written 1692c ( c ) cease-communication notice is a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). I am filing this complaint to document the violation. For full background on the underlying disputed debt and the substantive defenses ( IRS 501 ( r ) non-compliance, Medicaid Out of State balance-billing issue, itemization deficiency, and transfer of a disputed account without disclosure ), please refer to my prior CFPB complaint against CPC filed on or around XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding National Credit Systems , Inc. ( NCS ) and the alleged debt they are attempting to collect on behalf of XXXX XXXX XXXX. I disputed this account and requested proper validation of the debt. NCS responded by stating that the original creditor claims the debt is valid and provided documentation supporting the charges. However, the information provided does not adequately validate the debt or prove the accuracy and legality of the charges being reported and collected. The documentation provided appears insufficient because it does not fully establish : - The legal basis for the charges - Proper itemization of the balance - Proof that the damages or fees are legitimate - Supporting invoices or receipts - Evidence distinguishing normal wear and tear from actual damages - A complete accounting history - Adequate proof of NCSs authority to collect the debt I requested additional documentation including : - The original signed lease agreement - Complete itemized billing records- Move-in and move-out inspection reports- Photographs supporting any damage claims - Repair invoices and receipts - Documentation supporting the calculation of the balance - Documentation proving assignment or authorization to collect Despite my dispute, this account continues to be reported and/or collected without sufficient verification of the disputed charges. I am requesting : 1. A reasonable investigation into the disputed debt 2. Full validation and supporting documentation for all charges 3. Correction or deletion of any inaccurate information reported to consumer reporting agencies 4. Confirmation that the account is properly marked as disputed 5. Cessation of collection activity until proper validation is provided I believe the actions of the collector may violate the Fair Debt Collection Practices Act and/or the Fair Credit Reporting Act if inaccurate or unsupported information continues to be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
This company has reported a collection account to the major credit reporting agencies ( XXXX XXXX XXXX XXXX ) without any prior written notice, without validating the debt, and without a legitimate contractual relationship.I have no business relationship with this company and have never entered into any agreementwritten, verbal, or implied. The account was posted to my credit report without my knowledge or consent. Credit accounts are the only accounts eligible for reporting on consumer credit accounts. Their actions have resulted in a significant and unjustified drop in my credit score, which has caused me to suffer : - Reduced credit limits from existing creditors - Denials of new credit applications ; - Reputational harm with legitimate financial institutions.Despite attempting to resolve the issue directly, I have received no explanation or validation of the debt. Their credit reporting practices appear to violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) by : - Failing to give proper notice before reporting ; - Reporting without verifying the debt ; - Reporting a non-consumer debt as if it were a credit obligation.

Company response to consumer: Closed with explanation