vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: GA

Complaint narrative:
I received a call from the debt collectors XXXX XXXX XXXX from the company XXXX saying I owe XXXX for a lease to own of a washer and dryer that I have no idea about. I thought I knew who did this under my name but I was incorrect I have no idea who purchased but it was not me. I want this debt removed immediately. On top of that the debt collectors Director was extremely rude I was trying to see how to resolve this as soon as posible because I worked really hard to fix my credit and he said maybe pay your bills as if thats how you speak to someone. I dont know where this debt is coming from I wasnt even living in NJ in 2021. Ive also reported it to identity theft gov and a police report was made

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This card was opened fraudulently... i sent a police report, made them aware and froze my credit with XXXX. This account was sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: First Equity Mortgage Bankers, Inc.
State: FL

Complaint narrative:
Formal Dispute and Supplemental Statement CFPB Complaint ID : XXXX I formally dispute the companys response and request further regulatory review. 

FEMBi Mortgage expressly notified me in writing that my mortgage loan was officially approved and ready to close and that closing documents were being coordinated. In reasonable reliance on these explicit representations, I traveled from Florida to XXXX XXXX solely to attend the scheduled closing. 

This travel was not voluntary or discretionary. It was undertaken strictly at the lenders direction and based on their confirmation that the loan was ready to close. 

On the scheduled closing date, FEMBi canceled the transaction due to an internal review and internal business reasons unrelated to any action or fault on my part. As a direct result, I was left stranded and incurred unavoidable financial losses.

These damages were foreseeable and would not have occurred but for FEMBis representations and last-minute cancellation. This constitutes detrimental reliance and lender-caused financial harm. 

Importantly, this matter is not isolated. It follows prior issues already raised with the CFPB under Complaint ID XXXX. Despite prior regulatory notice and the opportunity to correct their handling of this loan, FEMBi again failed to exercise reasonable care and diligence. This demonstrates a pattern of servicing failures and negligent loan administration rather than an isolated event.

As a direct and documented result of FEMBis actions, I incurred the following losses : XXXX travel expenses : {$1300.00} FEMBi service/bank fees charged to my card : {$880.00} Total documented damages : {$2200.00} All amounts are supported by receipts, statements, and written communications, including the email confirming the loan was ready to close.

Because these costs were directly caused by FEMBis instructions, cancellation, and internal operational errors, I respectfully request that CFPB require FEMBi Mortgage to reimburse the full amount of {$2200.00}.

Supporting documentation attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: NC

Complaint narrative:
I am filing this complaint regarding Klarnas handling of a non-delivery dispute and its decision to add late fees and threaten collections for goods I never received. 

On XX/XX/XXXX, I made a purchase with XXXX using Klarna ( statement number XXXX ). The package was shipped via XXXX and marked as delivered on XX/XX/XXXX. However, the package was not delivered to me. It was delivered to XXXX, a third-party package handling facility, and signed for by a XXXX  employeenot by me and not at my residence. I never received the goods.

This is a non-delivery ( goods not received ) issue, not a theft case.

For over four months, I have repeatedly contacted : XXXX ( who refuses a refund or replacement ), XXXX  ( who confirms the package was not delivered to me ), and XXXX ( who confirmed they can not investigate unless XXXX initiates the claim ). 

I provided Klarna with all documentation months ago, including merchant correspondence, delivery confirmation showing third-party receipt, and proof that the package never reached me. Klarna repeatedly requested evidence that can not exist ( police report, CCTV ), even though there was no delivery or theft at my residence.

Despite acknowledging the dispute for months and repeatedly stating it was escalated, Klarna closed the dispute solely because the merchant provided valid shipping details, ignoring the fact that delivery does not equal receipt by the consumer.

Klarna then : Reactivated the balance, Added late fees, Threatened to send the debt to collections by XX/XX/XXXX, even though the underlying dispute was never resolved. 

Klarna has stated they can not reopen the dispute due to internal limits, yet continues to bill me and penalize my account. Internal system limits do not justify charging a consumer for goods never received or escalating to collections while a billing error remains unresolved.

I am a long-standing Klarna customer and always pay on time. This is the only issue on my account, and it exists solely because the merchandise never arrived. Klarnas delay, lack of escalation, and refusal to correct the billing has now put my credit and account at risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XXXX XXXX I made a purchase at XXXX XXXX in XXXX XXXX for {$150.00}. On XXXX XXXX I returned it to XXXX XXXX in XXXX. The return amount was {$150.00}. On XX/XX/XXXX, the store also put a hold on my credit card for a pending charge of {$150.00}. I spoke to XXXX at XXXX XXXX in XXXX to try to get this resolved still waiting.I also have tried to work this out with Goldman Sachs multiple times and they are telling me theres nothing they can do because they dont see the pending hold on my account. I called both again XX/XX/XXXX, XXXXSpoke to XXXX yesterday and she said she doesnt know why Goldman Sachs just wont cancel it on their end and they were willing to reach out to Goldman Sachs but that hasnt happened so if this is not paid by XX/XX/XXXX, I will incur late fees. Ive only made one purchase for {$150.00} and one return for {$150.00}. I should not have any other charges on my card for that amount.Contact Goldman sach XX/XX/XXXX and the XXXX. XXXX from Goldman sach said she was working on it and when we called today they said she was busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I reached out to SoFi on XX/XX/year> and asked them how I can defer my student loans while I'm taking classes part time to become eligible to take the XXXX XXXX in XXXX I was told by the representative that I needed to have my school fill out a form and send it back to them. I was also told that I would need to continue paying interest on my student loans while in school. On XX/XX/year> I sent my signed form to the email address stated in the first email that accepts the form. I received a call on XX/XX/year> and was told that they never received my application and I told the representative that called me that I sent it to the email. They were able to find the email and stated that I was given the wrong form and that I needed a different form filled out. When I looked at the form it looked to have the same information except that it stated I'd have to pay interest while in school, which I already knew because the first representative told me that. It also had borrowers name and number added there. So I reached out to senior leadership ( the CEO ) and told them I I would not be reaching out to my school to redo the paper work as they provided all the information already. The CEO ignored my email and I followed up again and never received a response from him ever. I was passed off to another representative that stated they would help push my application through. Well I received a letter on XX/XX/year> stating that my deferral request was denied because I didn't sign the form. SoFi never called or notified me that I needed to sign anything to help get my deferral request approved. I've been reaching out to senior leadership and they have blatantly ignored me and have caused undue hardship. I'm mentally drained and XXXX  due to SoFi not helping me. I feel they have created unnecessary obstacles to make it so I can't take advantage of their student loan deferment program. This seems like a violation of consumer protection and I need help getting them to respond to my emails and approving my application. I should note I did the same for a public and another private student loan I have and those were approved without problem. I knew that SoFi would give me the biggest issue that I saved all documents and email outreaches as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WESBANCO BANK, INC.
State: WV

Complaint narrative:
I am submitting this complaint regarding WesBanco Banks overdraft practices, inconsistent remediation, and failure to enforce account-level protections as represented. 

At all relevant times, overdraft protection was enabled on my checking account, which is intended to prevent debit card and ACH transactions from being authorized when sufficient funds are not available. Despite this setting being active, WesBanco authorized multiple ACH and debit transactions that resulted in repeated overdrafts and fee assessments. 

Fee Assessment Pattern Between XX/XX/XXXX and XX/XX/XXXX, WesBanco assessed 13 overdraft-related fees, including : Multiple {$35.00} overdraft fees associated with ACH withdrawals ( including XXXX and XXXX XXXX ) ; and Repeated collection charges for continuous overdraft of {$10.00} assessed on multiple dates after the initial overdraft condition. 

In total, WesBanco assessed approximately {$450.00} in overdraft and related fees, stemming from approximately {$180.00} in cumulative underlying transactions. This represents a fee-to-transaction ratio exceeding 250 %. 

Partial and Inconsistent Remediation I contacted WesBanco customer service multiple times to dispute these fees and to explain that the transactions should not have been authorized given my overdraft protection settings. 
On or around XX/XX/XXXX, WesBanco refunded three overdraft fees after I contacted customer service. 
Despite this acknowledgment, additional overdraft-related fees continued to accrue in late XXXX and early XXXX. 
I was advised by customer service that the local branch would contact me to address the remaining fees. No outreach occurred. 
On XX/XX/XXXX, I proactively contacted the branch myself, at which point two additional overdraft fees were refunded.

In total, WesBanco refunded only 5 of the 13 overdraft fees, while leaving the remaining charges in place without a clear explanation.

Consumer Position I consistently stated my willingness to immediately repay the {$180.00} in actual transaction amounts, which reflects the true value of the purchases made. However, WesBanco has retained hundreds of dollars in fees arising from transactions that should not have been authorized at all given the accounts overdraft protection settings.

Regulatory Concerns This pattern raises serious concerns regarding : Whether WesBancos systems properly enforce customer-selected overdraft protection ; Whether overdraft and continuous overdraft fees are being assessed in a manner inconsistent with how account features are represented to consumers ; and Whether partial, discretionary refunds are being used in place of correcting an underlying control failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: TX

Complaint narrative:
Stafford Group and Associates is reporting a collection account that I did not open, authorize, or benefit from. This account is the result of identity theft. 

I filed an FTC Identity Theft Report ( Report # XXXX ) establishing that this account is fraudulent. Stafford Group continues to report this account despite federal law requiring removal.

Pursuant to FCRA 605B, identity-theft-related information must be blocked and deleted. Continued reporting constitutes a violation of FCRA 605B and 611.

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 2026-01-30 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: GA

Complaint narrative:
Basically I asked them to dispute this transaction on my wells account because I DO NOT recognize it let alone Ive never been there, so I proceed to tell them I have another main bank so I dont keep an eye on that one and she still tells me I cant dispute it even tho I told her the card was not used by me

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: SIMM Associates, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I am requesting you immediately cease and desist all communication with me regarding the alleged debt you claim I owe. 

I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Effective immediately, you are to stop contacting me by phone, text message, email, mail, or any other method. Your repeated emails and text messages are excessive and unwanted. 

You are permitted only to contact me for one of the following reasons, as allowed by law : 1. To confirm that you will cease all further communication with me, or 2. To notify me of specific legal action you intend to take.

Any further contact from your company outside of the exceptions listed above will be documented and included in my complaint to the Consumer Financial Protection Bureau and the Office of the Attorney General.

This request is not an acknowledgment of the debt, nor is it an agreement to pay. It is a request to stop all communications. 

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I had an over an hour long XXXX  interview for the purpose of my business bank account at PNC Bank. They received all my XXXX documents to XXXX. I successfully moved money in and out of the account to a well-known crypto exchange. Which is what I said I would do in my interview. My XXXX is a holdings company. Then when I tried to wire money into PNC Bank on XX/XX/year> in the amount of {$65000.00}, they close my account. They say the reason is they reevaluated our terms. But didn't say what was wrong with what I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Around XX/XX/year> My vehicle was repossessed by Penfed Credit Union without warning. For some reason, my payments were being reversed and i never caught on so even though i called to make the payment and it was excepted over the phone, the payment was reversed within the week without any warning, text or call. I had a name change which added complications to verifying my identity however twice i submitted the requested paperwork to update my new phone number, address, and the new social security card that had my new last name. However, it kept reversing back to my old name and number so they could never contact me about the reversed payment or repo if they wanted to. Although every time i called them regarding the issue, they said it was fixed, and never understood why the issue was recurring. So after they repossessed the vehicle, i settled the repo fee immediately and got the account back on track, however that did not remove the repo from my credit report.

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