vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
On or around XX/XX/year>, Caine & Weiner ( a third-party debt collector ) placed a collection account on my XXXX credit report in the amount of {$180.00}, attributed to Progressive Insurance XXXX XXXX # XXXX. I made a direct payment of {$180.00} to XXXX XXXX on XX/XX/year>. XXXX issued a signed payment receipt dated XX/XX/year>, confirming receipt and processing of this payment. The receipt was signed by XXXX XXXX, an Authorized Representative of XXXX XXXX. Because I paid the original creditor directly, Caine & Weiner has no valid basis to report a collection account on my credit file. Despite this, the collection account remains on my XXXX credit report as of XX/XX/year>. On XX/XX/year>, I sent a formal written dispute to Caine & Weiner via USPS Certified Mail, citing FCRA 1681s-2, FDCPA 809 ( b ), and CFPB Regulation V 1022.43, demanding immediate deletion of the tradeline and providing the Progressive payment receipt as supporting documentation. I simultaneously filed a dispute with XXXX, citing the same evidence. Caine & Weiner is reporting inaccurate information that they can not verify, as the original creditor has already received direct payment and has not authorized any collection activity on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am filing a complaint regarding how Wells Fargo handled a fraud claim on my debit card. In XX/XX/year>, my debit card was compromised and used for unauthorized purchases totaling approximately {$380.00} through XXXXXXXX XXXX XXXXXXXX. I reported the fraud to Wells Fargo immediately, and my debit card was canceled and replaced. I also filed a police report and provided all requested documentation, including my bank statements and phone records, to XXXX and the police report number to Wells Fargo. Wells Fargo issued a provisional credit while they investigated the claim. Separately, XXXX conducted their own investigation and later confirmed to me in writing ( via email ) that the transactions were determined to be unauthorized and that a refund would be issued to my original payment method. However, I never received this refund. Recently, Wells Fargo reversed the provisional credit, stating that the transactions were authorized based on information provided by the merchant ( Zip ). This directly contradicts the written communication I received from XXXX confirming that a refund would be issued due to unauthorized activity. I contacted Wells Fargo to dispute the reversal and informed them that I have documentation showing the merchant agreed to refund the charges. I was told that my claim was closed and that I could not appeal or reopen the case. At this point : The merchant has stated a refund would be issued but has not provided it Wells Fargo has removed the provisional credit and is relying on information that appears inconsistent with the merchants written communication I am left responsible for fraudulent charges despite providing all requested documentation I am requesting that Wells Fargo reopen and properly investigate this claim, including reviewing the documentation I have from the merchant confirming the refund, and provide a resolution consistent with applicable consumer protection regulations.

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 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: AR

Complaint narrative:
I am filing a complaint regarding an invalid {$350.00} collection account that Southwest Credit Systems is reporting on behalf of XXXXXXXX XXXX XXXX In XXXX, I applied for an apartment at XXXX XXXX and paid the application fee and a {$300.00} security deposit. On the scheduled leasesigning date, I toured the assigned unit and discovered multiple issues, including a strong smoke odor and a cracked sink. The leasing office could not provide another unit and refused to fix the problems before movein. Because the unit was not in acceptable or advertised condition, I did not sign the lease and I never took possession of the apartment. No lease agreement was executed, no tenancy began, and I never agreed to any charges. I also never signed or acknowledged any document stating that the deposit was nonrefundable. Despite this, XXXX XXXX claimed I owed them {$350.00} and sent the alleged balance to Southwest Credit Systems. I disputed this account with the collector in XXXX, but I never received any response, validation, or documentation. Instead, the account was added to my credit report without proper investigation. Under the FDCPA and FCRA, a debt collector must provide documentation proving the debt is valid. If XXXX XXXX continues to claim I owe anything, they must provide a signed lease agreement or any legally binding document showing that I acknowledged the deposit as nonrefundable or agreed to any charges. No such document exists because I never signed a lease, never accepted the unit, and never agreed to any nonrefundable terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I filled a claim with my bank in XXXX of XXXX. I was paying pmi property management for rent until the companies were switched XX/XX/XXXX. XXXX the turn over XXXX property management did not turn in all the the rent payments. XXXX and XXXX payments were missing. I had to repay the amount of {$1400.00} to the new property management to avoid eviction. I filed the claim with Wells Fargo bank for both months and only the claim for XXXX was approved. After contacting the bank I was told the claim for XXXX was denied because the claim was created with the wrong information. The agent put that I was charged twice for the same thing with is not what I said. The agent put false information in my claim and ignored the evidence to support my claim. The bank stopped communicating with me and every time I was promised someone will follow up within a few business days they never do.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Debt collection firm failing to validate debt and using incorrect address Complaint Description : I am filing a formal complaint against Kohn Law Firm regarding improper debt collection practices. The firm has contacted me repeatedly by phone regarding an alleged debt ; however, I have not been provided with legally required written validation of the debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my request for validation, the firm has failed to provide : * Name and address of the original creditor * Itemized breakdown of the alleged debt * Proof of ownership or assignment of the debt * Documentation establishing my legal obligation to pay Additionally, the firm has been sending or attempting to send correspondence to an incorrect or outdated address, and has not properly updated my correct mailing address. I have formally requested that all communication cease until validation is provided. This conduct may violate : * FDCPA 1692g ( failure to validate debt ) * FDCPA 1692e ( misleading or incomplete communication ) * FDCPA 1692c ( improper communication practices ) Requested resolution : * Immediate validation of the alleged debt * Correction of my mailing address * Suspension of all collection activity until legal compliance is met * Review of compliance with federal debt collection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing inaccurate information on my credit report, as it does not reflect my actual account history or status. There appear to be discrepancies that may be incomplete, * outdated, or incorrectly reported, which is affecting my credit profile. I request a proper investigation and validation of this account, and if it can not be verified as accurate, I expect it to be corrected or removed promptly.

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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
b'Resurgent Acquisitions LLC, operating as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite this pending validation demand, both tradelines remain active and reporting. Resurgent has not responded to my validation demand. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The continued reporting of this tradeline to credit bureaus while my validation demand is pending is a violation of FDCPA Section 809(b).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, I discovered unauthorized XXXX transfers from my Bank of America checking account totaling approximately {$14000.00}. I reported the issue to the bank immediately after noticing the fraudulent activity and filed a dispute. The bank initially reviewed the claim but did not fully resolve the issue. I later followed up multiple times regarding the status of the fraud investigation. Recently, I was informed that the claim had been reopened and that the investigation could take up to 45 days. However, I was also told that I would not receive provisional credit during this period. I believe my account was compromised and that these transactions were not authorized by me. I requested detailed information about the transfers, the investigation process, and the reason for denial of provisional credit, but I did not receive a clear or satisfactory explanation. I am requesting a full investigation and reimbursement of the stolen funds.

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 2026-04-16 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: CLGF Holdco 1, LLC
State: IA

Complaint narrative:
I am filing a complaint regarding my banks refusal to properly investigate and reimburse fraudulent transactions on my account. On XX/XX/year>, I made a legitimate purchase at XXXX in XXXX XXXX, Iowa at XXXX XXXX using my physical card. Within minutes, two additional transactions occurred at XXXX at XXXX XXXX ( {$100.00} ) and XXXX XXXX ( {$55.00} ), both listed as physical card transactions. There are no XXXX locations in or near XXXX XXXX, Iowa. It is physically impossible for me to have completed these transactions within that timeframe while remaining in possession of my card. Despite this clear inconsistency, my bank denied my fraud claim, relying solely on the fact that the transactions were labeled as card present, without properly considering the geographic impossibility or likelihood of card cloning. I am requesting that the bank : 1. Reopen and properly investigate this claim as fraud 2. Provide the transaction location data and method of authorization 3. Reimburse the unauthorized charges This situation reflects a failure to properly apply fraud detection standards and protect the account holder

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I agreed to a solar system installation through XXXX XXXX XXXX/ XXXX XXXX, which was financed through a loan with GoodLeap. The system was sold to me with clear representations that it would significantly reduce or eliminate my electricity bill. This promise was a key factor in my decision. However, after installation, the system has not performed as represented. I continue to receive high electricity bills in addition to the monthly loan payment, which has created a financial burden. At the time of signing, I am a senior citizen and although the contract was presented in XXXX, the terms, long-term financial obligations, and risks of the loan were not clearly explained to me. I did not fully understand the agreement I was entering into. I believe I was misled during the sales process. Additionally, the installer, XXXX XXXX XXXX / XXXX XXXX, is now out of business. As a result, I have no support, service, or ability to address the systems performance issues. Despite this, I am still being held responsible for the full loan balance. Since XX/XX/XXXX, I have attempted to address this issue, but I have not received a resolution. I am requesting that the lender investigate the sales practices associated with this loan and the performance of the system. Due to the misrepresentation and lack of proper disclosure, I am requesting cancellation of the loan and release from any further financial obligation. I am also requesting that any collection activity and negative credit reporting be paused while this matter is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: MD

Complaint narrative:
I started getting calls, text and mail from Unifin in XXXX. When I received the first call I was told that it was for XXXX XXXX Credit Card and the original creditor was XXXX XXXX. I explained that the debt was not mine and that I am not the individual they were attempting to contact. I continued receiving calls from varying numbers, text and mail from this company. I have sent a written notification asking them to correct their records and stop the collection efforts. I am still being harassed and threatened. The last correspondence I received had XXXX XXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor and the balance of {$2000.00}. It looks like these may be somehow connected to a sell off of accounts from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: NE

Complaint narrative:
Beginning XX/XX/XXXX, I incurred medical debt with XXXX XXXX XXXX. I submitted a complete Financial Assistance application in XX/XX/XXXX including tax returns, XXXX income documentation, and bank statements. My application was lost, resubmitted multiple times with confirmed receipts, and ultimately denied citing missing documentation despite proof of receipt. I submitted a formal written appeal in XX/XX/XXXX within the required timeframe which was never acknowledged. While my FA appeal remained unresolved, XXXX referred my accounts to four collection agencies : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX in violation of IRS 501 ( r ) ( 6 ). I sent written disputes to all four agencies via certified mail with return receipts confirmed. All four continued collecting after receiving my disputes in violation of 15 U.S.C. 1692g ( b ). XXXX provided an undeliverable address on their own collection notice making dispute impossible, then continued collecting via text. BC Services received email disputes in XX/XX/XXXX and a certified letter in XX/XX/XXXX confirmed received and continued calling. All accounts remain in active collections as of XX/XX/XXXX. My FA appeal has never been resolved. I am a XXXX Nebraska resident on Social Security XXXX with a XXXX net income of {$3300.00}.

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 explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.

Complaint narrative:
I have been making regular monthly payments on my Best Buy Credit Card since XXXX. However, my balance has not significantly decreased over several years. Due to my limited English proficiency, I did not fully understand how interest charges were applied. I was not aware that most of my payments would go toward interest instead of reducing the principal balance. This has caused a significant financial burden. I have tried to contact customer service, but they were not able to provide a solution or offer any assistance. I am requesting a full review of my account, a detailed breakdown of all payments, and consideration of reducing or adjusting the accumulated interest due to this misunderstanding. My name 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 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a credit card at Best Buy ( Citibank is the issuer ) approximately 2 years ago and was promised a promotional period of 4 years interest free. About 3 months ago, I was charged {$1300.00} in interest for a $ XXXX loan ( implied usury ) which is not aligned with what I was told at the point of sale. I always pay my balance in full each month and have not missed one payment. I also intended to use the card going forward but this is not something I am willing to pay for because it is not aligned with what I was promised. I vividly remember only making this purchase because of the special financing terms. This type of bait and switch/predatory lending is the reason I avoid these types of cards. I am hoping you will be able to help me resolve this matter and I can pay my principal balance to {$0.00} with zero interest OR honor the 48 months as promised. Please let me know if you can help me resolve this issue immediately as it is my full intent to make Citi and myself whole by paying off the principal balance and wiping this issue clean. The representative on the phone told me this is the proper escalation method to getting things done and the executive office has the authority to make this adjustment and resolve. The details of the account are : Account Holder Name : XXXX XXXX Social Ending XXXX Account Number ending 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 2026-04-16 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: CA

Complaint narrative:
I ordered 3 pairs of glasses on XX/XX/2026 from XXXX with my capital one credit card for a total of {$1400.00}. I did not receive two of the items which were the XXXX XXXX at {$490.00} and the XXXX XXXX XXXX XXXX at {$390.00}. I asked for replacements and XXXX denied me and said that I should inform my bank and so I did a chargeback for those two items and it was approved for {$1000.00}. I then Shipped the only item i received which were the XXXX XXXX XXXX XXXX at {$390.00} back to XXXX on XX/XX/2026 with the tracking number # XXXX. I contacted capital one again with a chargeback and spoke to someone based out the XXXX who assured me that they put all the information in the notes and they actually did not put anything of the information I gave in the notes. Capital one closed my dispute without even looking at the evidence that the item was returned and so I'm out of {$470.00} which is just stuck in limo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: ND

Complaint narrative:
A golf club company sold me XXXX, then turned it into a reoccuring charge. The company ghosted me. Barlclay would not cancel the card. At LEAST 6 times I cancelled the card since XX/XX/year>. There was no balance on the card. These are fees of {$110.00}. Six months!!!!

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 2026-04-16 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NC

Complaint narrative:
I have been attempting to access funds from my US Bank XXXX XXXX XXXX card for over 4 months. After discovering my employer had been depositing funds into an expired account, I contacted US Bank to transfer the balance. I was told this was not possible and requested the account be closed and a check mailed to me. Since that request, US Bank has repeatedly failed to process or deliver the check. I was given incorrect and conflicting information multiple times, including being told the check was mailed when it had not been processed. Additionally, my mailing address was not properly verified despite multiple confirmations, causing further delays. As of today, the check has still not been processed, and I am being told to wait an additional 5 business days for processing and 710 business days for delivery. Due to repeated internal errors and delays, I have been unable to access my own funds for an extended period of time. I am requesting that my funds be immediately released and provided through an expedited method.

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