vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
A fraudulent account holder used my social security number to open an account at capital one. They used an inaccurate birthdate, telephone and address. They charged over {$2000.00} to the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wellsfargo bank decided to close my account since XXXX. i had a checkings and savings account. the savings has been successfully closed and my checkings is yet to be closed. Wellsfargo XXXX my online access and access to my money knowing fully well that they have ended banking relationship with me. they asked me to visit a branch and call the loss prevention team and risk operations team which i have done. After that wellsfargo still refused to enable my online access and keeps asking me to visit a branch even when i have done that about five times since XXXX. on one occasion i was at the branch at XXXX Alabama the bankers there refused to attend to me. i sat at the branch for 4hours and the bankers kept avoiding me. i have been to the branch 5 times and even their system can confirm that i have been to the branch but they have refused to let me access my moneu. Just recently i tried to make an Atm withdrawal and wellsfargo put a hold on my account knowing fully well that this is the only way to access my money. i called wellsfargo on phone and tney asked me a series of question which i answered correctly and they still denied to remove the hold. they asked me for my employer whoch i gave them the correct informatioj and they still denied to remove that hold. wellsfargo wont let me access my money either by Atm withdrawal or through the online banking. they have asked again i come into branch, i have done this 5 times since XXXX. two weeks ago i was involved in a work accident because im a construction worker and at the moment i am XXXX, wellsfargo has refused me access to my money to get a good medical attention. now i can't get to a branch because im incapable and wellsfargo wont enable my access or grant me XXXX accommodation to perform whatever verificatioj they need remotely. they gave me security questions to answer which i got correctly and still wellsfargo refused to grant me access. they wont close my account and still wont let me access my money. i need access to my money. they can enable my access and let me access my money, and remove the hold they put on my account for no reason.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX paid XXXX XXXX XXXX $XXXX XXXX via PayPal for the first month rent and security deposit for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX. XXXX XXXX XXXX sent an e check to XXXX XXXX for all funds. They didn't like their apt so they moved out XXXX, as a courtesy management agreed to terminate the lease and refunded them their money via check which was cashed. A few days after they cashed the check they then went and disputed the PayPal charge for even more than they paid with XXXX. We now have a negative balance in our PayPal account in the amount of $XXXX. \n\nWe reached out to PayPal to get this resolved but they refused to assist us and couldn't provide a contact for their bank."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am submitting this complaint because the credit card company continues billing and attempting to collect payment on a disputed account while claiming that the matter is still under investigation. I financed a water filtration system through the companys store credit account. Shortly after installation, the product began having serious issues and required multiple repairs and even replacement. Despite repeated problems, the seller refused to properly resolve the situation, and I disputed the charges with the bank. I previously submitted complaints and supporting documentation, including repair records, communications, invoices, and evidence of the defective product. The bank stated through the CFPB that it needed additional time to investigate the matter. However, while claiming the investigation is still ongoing, the bank continues sending billing statements and demanding payment for the disputed balance. I requested a detailed explanation of the investigation, clarification of the evidence reviewed, and confirmation that collection activity would be suspended while the dispute remained open. The company has not provided a clear or complete response to these requests. I believe it is unfair for the company to continue collection and billing efforts while simultaneously stating that the case has not yet been resolved. If the account is under active investigation, the disputed charges should be temporarily suspended until a final determination is made. I respectfully request that the CFPB require the company to conduct a fair and transparent investigation, provide a full explanation of its findings, and suspend collection activity during the investigation process.

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 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
am filing this formal complaint due to a " Bait and Switch '' fraud involving hazardous vehicle equipment and XXXX XXXX subsequent refusal to investigate the claim in accordance with Federal Regulation Z. Despite providing a legally binding digital contract, Huntington Bank has prioritized a non-existent paper receipt over consumer safety and Michigan law. STATEMENT OF FACTS The Agreement : On XX/XX/XXXX, I entered into a contract with XXXX XXXX XXXX via electronic messaging. Per Michigan Law ( MCL XXXX ), this is a binding contract. The terms were : XXXX XXXX XXXX tires and 4 working XXXX XXXX, including professional mounting and balancing, for an agreed price of {$1000.00}. The Bait and Switch : Upon payment of {$1100.00} ( an unauthorized overage ), the merchant delivered an inferior brand ( XXXX ) and non-functional XXXX XXXX. The Safety Hazard : Two of the tires are structurally defective and impossible to balance. A professional inspection confirmed these tires are unsafe for road use. The merchant negligently advised me to drive with these defects by placing them on the rear of my XXXX XXXX. The Blocked Communication : When I requested a refund for the non-conforming goods, the merchant blocked my phone number and social media, preventing any " good faith '' resolution. COMPLAINT AGAINST HUNTINGTON BANK For 22 days, Huntington Bank has failed to issue a provisional credit. The bank has stated they will close my case unless I provide a " merchant receipt. '' Regulatory Failure : Under 12 CFR 1026.13, the banks duty to investigate a " Goods Not as Described '' claim is not contingent on a merchant 's receipt, especially when the merchant has committed fraud and blocked the customer. Legal Negligence : Huntington Bank has ignored the provided digital contract, which is a valid legal document in the State of Michigan. Safety Negligence : By refusing to reverse the charge, Huntington is forcing me to finance hazardous equipment that poses a documented risk to public safety.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CHERRY TECHNOLOGIES INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Cherry Technologies and the continued reporting and collection of fraudulent accounts that do not belong to me. I previously provided Cherry Technologies with both an FTC Identity Theft Report and a police report XX/XX/year> disputing XXXXwo fraudulent accounts ( XXXX & XXXX ) opened in my name. Despite providing legally ( FTC and police report ) sufficient identity theft documentation, Cherry Technologies failed to properly block, remove, and cease collection activity related to these fraudulent debts. I was later informed that the alleged debt had been sold or transferred to XXXX XXXX XXXX XXXX XXXX without my knowledge or consent. I was never properly notified of this transfer, nor was I provided adequate validation of the debt as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681c-2, furnishers and consumer reporting agencies are required to block fraudulent information resulting from identity theft within four business days of receiving a valid identity theft report. Cherry Technologies and XXXX XXXX XXXX failed to comply with these obligations after receiving my FTC report and police report. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I dispute the validity of any alleged debt associated with these accounts and request full validation of the alleged obligations, including original application records, IP/device information, signed agreements, and proof that I personally authorized these accounts. This continued reporting and transfer of fraudulent debt has caused substantial harm, including credit damage, emotional distress, interference with housing opportunities, and ongoing financial hardship. I request the following immediate actions : 1. Immediate deletion and permanent removal of all fraudulent Cherry Technologies accounts from all consumer reporting agencies. 2. Immediate cessation of all collection activity related to these disputed fraudulent accounts. 3. Notification to XXXX XXXX XXXX and any other third parties that the debt is disputed as identity theft and must not be collected or reported. 4. Written confirmation that the accounts have been permanently removed and will not be resold, reassigned, or re-reported in the future. 5. A complete investigation into how these fraudulent accounts were opened and transferred despite my submission of identity theft documentation. I am requesting CFPB assistance to ensure full compliance with the FCRA, FDCPA, and all applicable identity theft protections under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
I am filing this complaint regarding an alleged collection account being reported and/or collected by Transworld Systems Inc. ( TSI ) on behalf of XXXX XXXX XXXX XXXX XXXX I do not believe this account is being reported accurately, and I am formally disputing the validity and accuracy of this alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The issues include, but may not be limited to : 1. Incorrect Address Information The collection notice contains inaccurate address information associated with my consumer file. Furnishing inaccurate identifying information is a serious compliance issue under the FCRA and Metro 2 reporting standards. I have reason to believe the account may not have been properly matched to my credit profile. 2. Failure to Provide Proper Validation I have not been provided sufficient documentation proving : * I entered into a contractual obligation with the original creditor, * TSI has legal authority to collect this debt, * the balance is accurate, * or that the account information being furnished to consumer reporting agencies is complete and correct. 3. Potential FCRA Violations Under FCRA Section 623, furnishers of information are required to report information with maximum possible accuracy. Reporting inaccurate identifying information and/or unverifiable account information may constitute negligent or willful noncompliance. 4. Request for Investigation I am requesting a full CFPB-supervised investigation into this matter and request that TSI provide XXXX * a complete accounting/history of the alleged debt, * copies of any signed contracts or applications, * proof of ownership or assignment of the debt, * all records used to verify the account, * and documentation showing how my address and identifying information were verified. If TSI can not fully validate this account and all associated information, I request immediate deletion of the account from all consumer reporting agencies and cessation of collection activity. Additionally, I request that any inaccurate address information associated with this account be removed immediately. Please note this complaint constitutes a formal dispute of the alleged debt and all related reporting. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: AR Resources, Inc.
State: PA

Complaint narrative:
I use to go to XXXX XXXX XXXX. This one year I did not go and they charging me XXXX dollars and I havent attended there since XXXX this bil is for XXXX. I called the school numerous of times and XXXX XXXX placed this account with a debt collection company XXXX know to my person. I never had any notification about this debt bc I was not in school this year of XXXX. This debt company collect on student loans this IS NOT A STUDENT LOAN. I want them to provide the purchase agreement, a break down of the amount that they say is owed to this company. If they can not provide this information they CAN NIT COLLECT on this debt. I want a signed agreement saying I agreed to pay this debt to this company, if this information is not sent to my person within 30 days this debt is null and voided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NC

Complaint narrative:
I received a letter from Unifin XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Email : XXXX The letter says : You had an accounty from XXXX Bank with account number XXXX, now owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/year> you owed XXXX You paid or were credited this amount toward the debt : XXXX The amount of the debt now : XXXX I have never had an account with a bank called Unifin and I do not owe any money and it does not appear on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I refinanced my auto loan with XXXX XXXX XXXX. Not sure where when or how exeter finance became the servicer of my auto loan But during the course of the auto loan I have been making payments to exeter. During this period exeter exeter would contact me multiple times a day every day for a week nor longer, starting the week before payment was due and continue until payment was made. Recently I had fallen behind on the vehicle. When I reached out to exeter I was told that if I msde a XXXX payment it would bring the account current. Shortly after making this payment on XX/XX/XXXX, I continue recieving collection calls from them. When discussing them snd letting them know what i was told snd that ghe payment was made, I am told that the truck is charged off and my account is behind. When asked what I needed to do to come current the gentleman told me I couldn't and would need to surrender the vehicle. A month or two later the vehicle was repossessed. The repossession company did not send me notice of seizure or a list of personal items. was un able to make any appointments with them as they forced me to do it online and never resp0nded to the request to obtain my personal belongings prior to the sale of the vehicle. After reaching out to the bureau of investigation, the repo agency falsified a document claiming they had sent me the notice, with the date it was sent clearly modified compared to the rest of the document, the XXXX XXXX showing the creation date shortly after the phone call they had with the XXXX XXXX after my complaint, and did not list even a fraction of my belongings. Additional Upon reviewing the accounting history for my account with exeter, over the course of the loan they were charging me double tripple or quadruple fees and incorrectly applying interest charges to my balance and misspelling payments made. Additionsly they have been incorrectly reporting the amounts and past due or missed payments to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: AK

Complaint narrative:
I asked them to take my number off this list and they called back again after asking them not to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX I zelled {$160.00} from my Bank of America account. I accidentally send to the worng number, in which I dont know that individual who received the money. I file a fraud with my Bank on XXXX XXXX. They sent a letter XX/XX/year> stating they are unable to refund my XXXX amount. I need help to retrieve my money.

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 2026-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NH

Complaint narrative:
In early XXXX I contacted MOHELA to request the School Misconduct Discharge Application for my XXXX-owned private student loans. These loans were originally made by XXXX XXXX in connection with my full-time enrollment at the XXXX XXXX XXXX XXXX ( XXXX ) from XXXX to XXXX. On XX/XX/XXXX, MOHELA 's Office of the Customer Advocate responded in writing, denying my eligibility for the discharge program. Their stated reason was that " the school you attended was non-profit since the loans were originated, '' referring to XXXX University. This determination is factually misleading. I attended the XXXX XXXX XXXX XXXX, which was a constituent school of XXXX University but was simultaneously administered by XXXX XXXX XXXX ( XXXX ) a for-profit corporation that has been found by the Department of Education to have made pervasive misrepresentations to students. Official college directories from my enrollment years list XXXX as " Part of Education Management Corporation. '' MOHELA is using XXXX University 's non-profit status to conceal XXXXXXXX XXXX documented for-profit administrative role during my exact years of enrollment. MOHELA did not provide me with the discharge application form, nor did they allow me to submit any evidence of school misconduct before issuing their denial. I was given no opportunity to appeal with documentation. I am requesting that MOHELA provide the School Misconduct Discharge Application, conduct a full review of my eligibility that accounts for XXXX XXXX administrative role at XXXX, and suspend payment obligations while my case is under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: AL

Complaint narrative:
Information is reported inaccurately violating my rights as a consumer

Company response to consumer: Closed with explanation