vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo has failed to credit {$2600.00} in payments I made to my credit card account between XX/XX/year> and XX/XX/year>, and is charging me late fees and interest on a balance I have already paid. Background : I held a Bilt Mastercard with Wells Fargo. When the Bilt program ended, Wells Fargo closed that card and opened a new XXXX XXXX account ending in XXXX, transferring the prior balance over. However, Wells Fargo did not transfer or apply my payments. The closed Bilt account shows a credit balance of approximately - {$2600.00} ( money Wells Fargo is holding that belongs to me ), while the new XXXX XXXX shows an outstanding balance of {$2700.00} plus accruing late fees and interest. My bank records confirm the following payments were debited from my account and sent to Wells Fargo XXXX : XX/XX/year> : {$89.00} XX/XX/year> : {$39.00} XX/XX/year> : {$20.00} XX/XX/year> : {$2300.00} XX/XX/year> : {$39.00} XX/XX/year> : {$19.00} XX/XX/year> : {$39.00} XX/XX/year> : {$71.00} Total : {$2600.00} Wells Fargos own statement for the XXXX XXXX shows Last payment received XX/XX/year> {$39.00} confirming that none of the XXXX payments I made from XXXX forward have been applied to my account, despite my bank confirming all of them were successfully sent to Wells Fargo. As a direct result of Wells Fargos failure to apply these payments, I have been charged : Late Fee XX/XX/year> : {$26.00} Late Fee XX/XX/year> : {$40.00} Interest Charge XX/XX/year> : {$51.00} Interest Charge XX/XX/year> : {$49.00} Total improper charges : {$160.00} I have called Wells Fargo multiple times. On a previous call, a representative told me a check would be issued so I could pay the new account balance no check was ever sent. On XX/XX/year> at XXXXXXXX XXXX XXXXXXXX, I spoke with XXXX ( XXXX XXXX ) in the XXXX XXXX department, who confirmed he sees no notes about the prior commitment and confirmed Wells Fargo will not provide me with any written form of confirmation. Earlier the same day I spoke with XXXX ( XXXX XXXX ). My case number is XXXX. Wells Fargos conduct constitutes a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I am formally disputing the {$2700.00} balance and reserve all rights under the FCBA.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am filing this formal complaint against Capital One for deceptive and unfair lending practices. I have been a loyal customer for over XXXX years with a spotless record. Timeline of events : XX/XX/year> : My application for the XXXX XXXX XXXX XXXX was officially APPROVED. A hard inquiry was placed on my credit reports. XX/XX/year> : Capital One notified me that the physical card was shipped. XX/XX/year> : Capital One unilaterally CLOSED the account before I ever received the card. Expected Delivery : The card is not even scheduled to arrive until XX/XX/year>. The reason provided was " activity inconsistent with typical customer usage. '' This is a blatant falsehood and logically impossible. I have never even touched the physical card, let alone performed a single transaction or " activity '' on this account. I contacted customer service and supervisors, but they refused to provide an explanation or a path to restoration. This " bait-and-switch '' tactic has harmed my credit score and hindered my small business growth. I am being penalized for " usage '' on an account that was never even in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year> I asked LVNV Funding LLC for the following XXXX. A complete copy of the original contract bearing my wet ink signature. XXXX. The full legal name, address, and telephone number of the original creditor. XXXX. A complete and itemized payment history from origination to charge-off, including all interest, fees, credits, and calculations used to determine the alleged balance. 4. A complete chain of title demonstrating your lawful ownership and legal standing to collect, including : o Transfer and/or assignment agreements o Bill of sale o Flow agreement o All schedules or exhibits specifically referencing my alleged account 5. Documentation proving LVNV Funding LLC has the authority and proper licensing to collect debts in my state. 6. Double-entry accounting or equivalent documentation evidencing the calculation of the alleged amount owed. LVNV Funding LLC has failed to provide these requested documents and are illegally reporting it to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: MI

Complaint narrative:
I sent a formal Debt Validation Request via Certified Mail, which Hunter Warfield signed for on XXXX XXXX. Despite this, they have failed to provide any documentation, instead they have continued to report the debt and increased the balance from {$4700.00} to {$5000.00}. This is violation of the FDCPA. Furthermore, under Michigan law, the landlord was required to send a itemized list of damages within 30 days of Move-out four years ago ; they failed to do so, meaning no debt is legally owed. I am currently in process of moving and this inaccurate reporting is causing significant financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a new post-denial complaint, not a duplicate of my prior Wells Fargo complaint. Wells Fargo previously refused to reopen or further review my disputed XXXX XXXX XXXX XXXX stating that I had not provided new information. I am now submitting new transaction-level XXXX evidence XXXX directly connects the disputed XXXX XXXX XXXX to XXXX XXXX IDs, XXXX payment amounts, and related USD funding/conversion amounts. Wells Fargo case number : XXXX. The new evidence includes : XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX funding/conversion : XXXX XXXX. XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXXXXXX XXXX XXXXXXXX related XXXX funding/conversion XXXX XXXX XXXX XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXX AUD XXXX including XXXX fee related USD conversion : USD XXXX. XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXXXXXX XXXX XXXX related USD funding/conversion : XXXX XXXXXXXX. XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX XXXX funding/conversion : XXXX XXXX. XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXXXXXX XXXX XXXX related XXXX funding/conversion : XXXX XXXX XX/XX/XXXX Mobile Payment : XXXX XXXX XXXX ID XXXXXXXX XXXX XXXXXXXX related USD conversion : XXXX XXXX. XX/XX/XXXX General Payment : XXXX XXXX XXXX ID XXXX XXXX XXXXXXXX related USD funding/conversion : XXXX XXXXXXXX. XX/XX/XXXX General Payment : XXXX XXXX XXXX ID XXXXXXXX XXXX XXXXXXXX related XXXX funding/conversion XXXX XXXX XXXXXXXX, with XXXX later XXXX reversal activity on XX/XX/XXXX. These were repeated payments to the same individual merchant, XXXX XXXX, for coaching/services where I repeatedly lacked invoices, receipts, and session accounting. On XX/XX/XXXX, I requested an invoice from XXXX XXXX and stated that I had worked with him since XXXX and had never received XXXX. XXXX XXXX prior review appears to have treated the charges as generic XXXX transactions instead of matching the XXXX merchant descriptor, XXXX transaction IDs, XXXX payment amounts, and XXXX funding/conversion amounts to the actual Wells Fargo-funde d transactions . I also previously provided Wells Fargo documentation and notice of physical and mental health incapacity / disability-related limitations in my most recent communications. I am not asking Wells Fargo or CFPB to decide medical issues. I am asking Wells Fargo to preserve and consider that context for accessible written handling and to stop requiring me to repeatedly reconstruct complex facts by phone. The new issue for CFPB review is Wells Fargos refusal or failure to conduct a transaction-level review after receiving new XXXX evidence and accessibility/incapacity context.

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 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Company Name : First National Bank of Omaha ( XXXX XXXX ) Disputed Amount : {$36.00} Subject : Formal Complaint Regarding Bad Faith Reporting, Lack of Notice, and Conflicting Account Data I am filing this complaint to dispute the reporting of a {$36.00} delinquent balance. The reporting of this minor residual amount as a " severe delinquency '' is not only disproportionate but was preceded by a total failure of the company to provide meaningful notice. XXXX. Explicit Failure of Notice & Policy Admission Despite the account falling into severe delinquency, I received XXXX mailers, phone calls, or emails. In a recent phone conversation with a company representative, it was explicitly stated that their internal policy is not to place outbound calls for any balance under {$100.00}, regardless of how many days past due the account sits ( e.g., XXXX, XXXX, or 120 days ). By their own admission, the company willfully withheld a standard method of notification solely because the balance was " too small, '' yet they chose to penalize my credit as if it were a high-value default. 2. Technical Inaccuracy of Digital Communication Logs If the company claims notice was provided via email, I contest the validity of their " delivered '' or " read '' receipts. In the XXXX ecosystem, a server must process and route incoming mail into specific categories ( Primary, Social, Promotions, or Spam ). This server-side " opening '' of the data packet can trigger a " read '' status on the sender 's end before the recipient ever sees or accesses the message. Therefore, an automated log is not proof of receipt or meaningful notice. 3. Inconsistent Reporting Across Credit Bureaus There is a significant discrepancy in how this account is being reported to the Major Credit Reporting Agencies ( NCRAs ), suggesting a failure in data integrity : XXXX XXXX XXXX : Report the account as " Closed '' in XX/XX/XXXX. XXXX : Reports the account as " Closed '' in XX/XX/XXXX. The company can not be reporting accurate information if the " Date Closed '' varies by XXXX ( XXXX ) months across the bureaus. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. XXXX. Request for Documentation ( Unfulfilled in Previous Dispute ) A previous dispute was filed, but the company failed to provide granular evidence. I am formally requesting the following : Call Transcripts : Full transcripts or recordings of all telephonic interactions regarding this account. Communication Receipts : Actual metadata and transmission logs for any alleged emails. Mail Timeline : A dated log of physical mailers sent to my address of record. Ledger of Charges : A breakdown of how a {$36.00} residual balance resulted in a " severe delinquency '' status without any mitigation attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have already submitted a complaint to Bank of America regarding my account closure when I was hospitalized. This complaint is in direct reference to my original complaint of my account access and card being completely closed with an inability to see in form of account information at all. This account had a {$0.00} balance when I was hospitalized so the charges on the account that are supposedly unpaid are fraudulent and not made by me. I can not view them, I can not dispute them. This whole ordeal has squandered my credit and I have lost access to my card account. Bank of America claims they have responded to my initial complaint but I have received nothing from them in any form. They have not called me at ( XXXX ) XXXX nor emailed me at XXXX nor have I received communication by any means elsewhere including the designated area for them to respond on here. They need to be held accountable, and help resolve this matter and get my account reinstated.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding multiple collection accounts being reported by Midland Credit Management for what appears to be the same underlying debt. There are multiple accounts listed by Midland Credit Management with different account numbers, but they are tied to the same original creditor and appear to have been opened around the same time. Each account is being reported as a separate collection account with its own balance. This creates the appearance that the same debt has been reported multiple times, leading to duplicate negative reporting and an inflated representation of the alleged debt. I have submitted requests to validate these accounts, requesting documentation to establish the validity of the debt, a complete account history, and proof of Midland Credit Managements authority to collect and report each account separately. To date, no documentation has been provided to justify why multiple accounts are being reported for what appears to be the same obligation. Without documentation clearly establishing that these are separate and valid debts, the reporting of multiple collection accounts raises serious concerns regarding accuracy and completeness. This complaint documents prior attempts to obtain validation and the companys failure to provide documentation while continuing to report multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-26 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX v. Trans Union Corp. ( XXXX ) and XXXX XXXX BEH-1, LLC ( XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods. I am requesting full validation of these accounts, including signed agreements, complete payment histories, and documentation establishing the chain of assignment from the original creditor. If this information can not be properly verified, these accounts must be deleted from my credit file. Failure to comply with these federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. I expect a timely response in accordance with 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 2026-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding American Expresss failure to provide any reasonable access to my deposited funds. On XX/XX/year>, I reported my debit card as lost and requested a replacement. American Express confirmed that a replacement card will arrive on XX/XX/year>, and that no access to my funds can be provided until that date. I escalated this issue and contacted a supervisor on Sunday, XX/XX/year> at approximately XXXXXXXX XXXX, but no solution or assistance was provided. I was informed that : XXXX withdrawals require a physical debit card No virtual card or temporary digital access is available No emergency access, override, or interim solution exists No alternative method to access funds can be provided As a result, I have been left with XXXX access to my own funds for multiple days, despite those funds being available in my account. This has caused severe hardship. I am currently homeless, and due to losing all of my bank cards, I relied entirely on my American Express account to access cash. Because no alternative access method was provided, I have been left unable to obtain food, water, or other basic necessities, resulting in approximately two days without proper access to food. American Express acknowledged the situation but stated they are unable to provide any solution until XX/XX/year>, effectively leaving me without access to my own money during this period. I believe this constitutes an unreasonable denial of access to deposited funds and a failure to provide basic account functionality in a foreseeable hardship situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint against Bank of America regarding its handling of fraudulent ACH debit transactions and failure to comply with Regulation XXXX. I disputed unauthorized XXXX debits totaling {$1700.00} from XXXX XXXX that posted to my checking account prior to its closure ( Claim # XXXX ). I am a victim of XXXX XXXX and can provide supporting documentation. The merchant XXXX XXXX confirmed that a {$1700.00} refund was issued to Bank of America in connection with this fraud claim. However, the bank has refused to reimburse me and incorrectly states the claim was resolved in the merchants favor. This response is inconsistent with the information provided by the merchant and raises serious concerns about the banks compliance with consumer protection laws. I request a proper investigation, written documentation of the determination, and prompt reimbursement of {$1700.00}.

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 2026-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/year> I sent a validation letter to Midland Credit Management and asked for the following- XXXX. A complete copy of the original contract bearing my wet ink signature. XXXX. The full legal name, address, and telephone number of the original creditor. XXXX. A complete and itemized payment history from origination to charge-o, including all interest, fees, credits, and calculations used to determine the alleged balance. XXXX. A complete chain of title demonstrating your lawful ownership and legal standing to collect, including : o Transfer and/or assignment agreements o XXXX of XXXX o XXXX agreement o All schedules or exhibits specifically referencing my alleged account XXXX. Documentation proving Midland Credit Management has the authority and proper licensing to collect debts in my state. XXXX. Double-entry accounting or equivalent documentation evidencing the calculation of the alleged amount owed. This is still reporting on my credit bureau and they have not even responded once.

Company response to consumer: Closed with explanation