vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 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: CA

Complaint narrative:
On XX/XX/year> my mother was in possession of my Wells Fargo Bank debit card and when she withdrew {$20.00} from the ATM she was scammed by 2 gentlemen. Apparently is called the " dropped {$20.00} scam '' where the perpetrators distract you with a {$20.00} bill they dropped on the floor and they told her it was hers. During the distraction they somehow obtained the debit card and likely got the pin when she entered it. They managed to hand her someone else 's debit card, which I have in my possession, and they went to another branch location and withdrew money from a checking and savings account totaling {$3400.00}. 

The scam occurred at XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX and the withdrawals took place at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. There should be ATM camera footage of the scam taking place at the XXXX location, and the subsequent withdraws at the XXXX location. 

The case numbers I was assigned from Wells Fargo Bank are : XXXX and XXXX. The executive complaint case number is : XXXX and was assigned to XXXX XXXX - Escalations Representative.

All three cases were denied for the following reasons : - " The card was in your possession at the time the claim was filed and during the time of the disputed activity. '' - " One of more transactions in the dispute were chip-verified and there is no evidence your card was counterfeited. '' The card was not in my possession, or my mothers, as the criminals took the card from her without her knowledge or permission. Also, the pin was not shared. If they look at the ATM footage, they'll see what truly took place. 

A police report was filed on XX/XX/year> with the XXXX XXXX, CA. Sheriff station. Report number : 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 monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
On or about XXXX I notified XXXX XXXX XXXX that I disputed the accuracy of account # XXXX and requested all the original invoices with my signature authorizing any service or product so I could verify the accuracy of the charges on this account. They only furnished statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collections on my account that are bringing down my scores. I have requested proof the debt belongs to me. No update was received.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Milestone just took XXXX dollars from my account without my permission I dont have autopay so they just took what they felt like taking witch has now overdrawn my bank account and now im gon na get hit by the back for overdraft fees this is not fair I did not give them permission so how is this legal? I had just made a payment on the XXXX of XXXX and on the XXXX they decided to run my card for everything but XXXX dollar and some change

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management

Complaint narrative:
This is ongoing for over a year. I first contacted the original hospital billing department to dispute the balance and explain that my insurance had not been properly processed. I reached out to the hospital to have them apply secondary insurance, even though I brought them both. The hospital informed me they could not assist further because the account had already been sent to collections. 

I then contacted XXXX XXXX to request validation and clarification. Over months and multiple calls, I couldn't get an answer on anything. After multiple attempts and delays, I eventually received an itemized bill. However, the itemized statement only reflects payments from my primary insurance and does not show any application of my secondary insurance. 

I followed up in writing multiple times asking whether the secondary insurance claim was ever submitted and how it was applied to the account. The assigned agent, XXXX, did not provide a clear answer and repeatedly failed to respond to my emails. I have written correspondence showing multiple follow-ups without response since approximately XX/XX/year>. 

Because the secondary insurance was not reflected on the itemized bill and the collector has not explained or documented whether it was applied, I believe the balance being reported is inaccurate. Despite good-faith efforts to resolve this directly, the collection agency has failed to provide clear verification or correction.

For additional context, other medical collection accounts related to similar insurance processing issues were previously removed, which further raises concerns about the accuracy of this remaining account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase failed to reasonably investigate and defaulted to merchant documentation without addressing deceptive pricing or procedural delay. 

JPMorgan Chase reopened my credit card dispute and again ruled the charge valid without addressing the substance of my complaint. 

The dispute involves a mandatory XXXX fee that was not disclosed during booking and a misrepresented pickup location. Chase relied solely on merchant paperwork showing a contract signed at pickup and ignored evidence of deceptive pricing, platform refusal ( XXXX XXXX XXXX ), and the fact that Chases own delay caused the loss of arbitration rights. 

This does not constitute a reasonable investigation. I am requesting CFPB intervention to require Chase to issue a credit or explain how their investigation satisfies legal obligations when material evidence was disregarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am an authorized signer on a Randolph-Brooks Federal Credit Union bank account . On or about [ XXXX XXXX ], an unauthorized electronic transfer in the amount of {$4900.00} was withdrawn from our account through XXXX XXXX. 

This transaction was not authorized by me or by any other authorized account holder. The account was compromised, and the transfer occurred due to unauthorized access.

We reported the transaction promptly. However, Randolph-Brooks Federal Credit Union denied our claim, stating that the transaction appeared authorized because login credentials were used. This determination is incorrect and inconsistent with Regulation E, which makes clear that use of credentials alone does not constitute authorization when access is obtained through fraud or account compromise.

The credit union failed to properly investigate the unauthorized transfer and failed to provide provisional credit as required under federal law. No evidence was provided showing that we authorized this transaction or received any benefit from it.

We are requesting CFPB assistance to require Randolph-Brooks Federal Credit Union to comply with Regulation E and reverse the unauthorized transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CL Holdings LLC
State: MD

Complaint narrative:
THIS DEBT COLLECTOR HAS DONE UNJUSTIFIABLE PRACTICES OF THE FDCPA WHICH IT PROHIBITS. THE FURNISHED THIS ACCOUNT THAT WE DIDN'T AGREE UPON AND I DIDN'T SIGN AN AGREEMENT ON. A LEGAL CONTRACT IS SIGNED BY TWO PARTIES AND I DID NOT PARTICIPATE IN ANY OF IT. THEY DIDN'T FOLLOW THE PROPER 5-STEPS VALIDATION PROCEDURE. ACCORDING TO THE FDCPA, I'M ENTITLED TO COMPENSATION FOR THESE VIOLATIONS AND CLEARLY, JEFFERSON CAPITAL SYSTEM ACCOUNT # XXXX, {$670.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: NY

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I don't recall ever receiving a notice from this company trying to collect a debt from XXXX XXXX XXXX XXXX. On top of this, this company has reported the account on my credit reports. This is known as debt parking by the FTC. I have disputed the account and it came back verified as accurate without providing me any documentation to verify the debt. I demand that this company show me proof that they sent me an initial notice pursuant to the FDCPA 1692g by providing the green return receipt or the shipping number of the collection/dunning letter. I also demand that this company provide me with proof of the alleged debt such as a copy of the contract and all the statements. Lastly, I demand that this company provides me proof that they are legally allowed to collect pursuant to New York state laws and the FDCPA by providing a copy of the purchase agreement or assignment agreement. Otherwise I demand that they delete the account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, I entered into a contract to purchase a XXXX XXXX XXXX from XXXX XXXX. She paid a {$5000.00} down payment and traded in her XXXX XXXX XXXX, authorizing the dealership to pay off the XXXX loan with Capital One. 

Platinum Cars never delivered the XXXX, resulting in a failure of consideration and a material breach of contract. 

On XX/XX/XXXX, after notifying the dealership more than one week in advance, I drove from XXXX  to XXXX  to pick up the XXXX. This required a XXXX round trip and missing a full day of work. XXXX XXXX  knew the vehicle was not ready yet allowed the trip to occur, demonstrating bad faith and deceptive conduct. XXXX XXXX lost {$210.00} in wages. 

XXXX XXXX had previously quoted {$1200.00} to deliver the XXXX and retrieve the XXXX. I incurred {$1400.00} in total damages attributable to the dealerships conduct. 

After the failed pickup, XXXX XXXX canceled the contract for breach. 

Despite cancellation, XXXX XXXX attempted to deliver the XXXX on XX/XX/XXXX by appearing at her home without consent, which I refused. 

XXXX XXXX then continued pressuring me to sign documents and requested reinstatement of a paid-off loan with Capital One, placing her credit at risk even though the dealership never delivered the vehicle. 

After breaching the sales contract and causing failure of consideration, the dealership requested reinstatement of a paid-off auto loan as leverage after cancellation. Capital One advised the consumer that her signature was not required to reverse the loan, placing her credit at immediate risk. This constitutes bad faith dealing, improper third-party interference, and unfair treatment of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: U.S. BANCORP
State: ME

Complaint narrative:
On XX/XX/XXXX, I received a fraud warning via text about my Elan XXXX XXXX credit card. I called them immediately. I looked at my account and there were XXXX charges that were unknown to me -date XX/XX/XXXX for {$290.00} XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX for {$190.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX for {$75.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX for {$150.00} XXXXXXXX XXXX  -date XX/XX/XXXX for {$35.00} XXXX, XXXX  -date XX/XX/XXXX for {$5.00} XXXX XXXXXXXX XXXX The credit card company removed the charges from my account while they investigated the fraud. Then, on XX/XX/XXXX, I looked at my statement, and they had recharged my account with XXXX of these charges. I called and was told that I had to have made the charges because my card chip was read. They refused to believe me when I told them I couldn't have made them because I have not been in any of the places the charges were made. I can prove this. One observation I made is, although these were chip card reader " transactions '', they were all made by a Digital payment of 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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am writing to formally request the immediate processing of my voluntary vehicle surrender. I contacted Exeter recently to initiate this process due to significant financial hardship that no longer allows me to maintain the vehicle or the required insurance coverage. 
In XXXX, following my divorce, I refinanced the vehicle through Exeter. During that process, I was strongly encouraged to add a bumpertobumper protection package along with GAP insurance, both of which were rolled into the refinance. At no point was I informed that the interest rate would increase as a result of these additions. This lack of transparency has contributed to the current financial strain. 
At this time, the vehicle is valued at approximately {$5000.00}, while the payoff amount remains over {$17000.00}. Despite making payments consistently for the past XXXX years, the loan balance has not decreased in a meaningful way. This disparity has made the loan unsustainable. I communicated my intent to surrender the vehicle and was informed that my request would be placed in a queue for review. Given my circumstances, this delay is creating additional financial hardship. 
Additionally, I have attempted to view my contract online on multiple occasions, but it has never been accessible at any point since the account was established. This ongoing lack of access has prevented me from reviewing the terms of the refinance and understanding the full details of the agreement. 

I respectfully request prompt action on this matter, as I can not continue making payments or maintaining insurance coverage while awaiting a decision. 

Thank you for your attention and timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
chase closed my bank acct XXXX it had money in it. they confirmed it had XXXX dollars and will send a check for the amount. still have not receieved check and it has been over XXXX  months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
This is my fourth CFPB complaint against Southwest Credit Systems regarding the same alleged XXXX  account. This is not a duplicate complaint. It is based on Southwests continued failure to provide lawful debt validation and its continued inaccurate and duplicate credit reporting. 
Southwest Credit Systems claims it satisfied validation requirements by providing XXXX billing statements and an account narrative. However, the attached documents consist only of monthly billing statements showing charges, usage, and balances XXXX. These documents do not contain a signed or accepted service agreement, proof of account opening authorization, proof of device financing agreement, proof of legal liability, proof of assignment or transfer of the debt to Southwest Credit Systems, or proof that Southwest has lawful authority to collect and furnish this account. Billing statements only reflect what XXXX billed they do not establish contractual obligation or collection authority.

Southwest further admits it is a data furnisher, yet continues to report XXXX separate tradelines for the same account number and balance while claiming there is no discrepancy in its reporting. Duplicate reporting of the same debt is misleading and violates FCRA accuracy and Metro 2 standards. Southwest also attempts to shift responsibility to the credit bureaus while continuing to supply the same inaccurate data.

Southwest states that a signed agreement is not required. While a physical signature is not always required, competent evidence of authorization, liability, and contractual obligation is required when a debt is disputed. Southwest has provided none. Its reliance solely on billing statements and internal account summaries does not meet FDCPA 1692g ( b ) validation standards or FCRA 1681s-2 ( b ) reasonable investigation requirements.

Southwest also claims it ceased collection activity. Ceasing collection does not resolve inaccurate or duplicate credit reporting. Furnishing disputed, unverified information remains a violation regardless of whether collection calls continue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 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: TX

Complaint narrative:
I had filed XXXX dispute claims on XX/XX/year> for some unauthorized transactions made by a merchant called " XXXX  ''. One of the claim the bank denied and the other claim the bank has issued the temporary credit. I have attached screenshot of both claims with their claims ID, amount and date. Why would the bank treat two claims differently that are exactly same in nature with same merchant. Is it a strategy not to pay temporary credit. 

I also called in again requesting to reconsider the claim. They reopened my denied claim and now it's been over XXXX business days yet I still have not received any temporary credit. The federal regulation E protects the customers right to receive temporary credit if the bank need additional time. Bank of america is violating this law. Let me attach screenshots for both of the claims for your kind review.

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 2026-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I was involved in a car accident. Its currently in litigation. The party who hit me was at 100  % fault yet her ins company refuses to pay the balance of the loan. I have tried to resolve this with Bank of America and XXXX  XXXX. I have had no luck and now my credit is taking a hit. I tried disputing the negative remarks but have had no luck.

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