vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had WElls Fargo checking account. Long long time back I asked them to close the account. In fact filed the CFPB complaint also. I have no idea- why they haven't closed it till now? I dont want to bank with them. Close this account. close the account. no need to contact me or bug me. I dont have time to deal with them -i wont be spending any time to deal with them. Send me a usps mail if they want to deal with me. if there is any money in the account- send it by check. if they have deducted any illegal or unnecessary fees- refund it. send it to my last know address.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
MY AAMCO SYNCHRONY CARD WAS ABRUPTLY CLOSED. SYNCHRONY BANK SAYS THAT THE CARD WAS CLOSED BY YOU - THE CONSUMMER FINANCIAL PROTECTION BUREAU! I RECEIVED THIS CARD THROUGH MY AAMCO SHOP THIS CARD HAS EXCELLENT PAYMENT HISTORY AND I CONSIDER THE ACT OF YOUR EMPLOYEE WHO CLOSED MY CARD POLITICAL STALCKING WHICH IS UNACCEPTABLE! THE XXXX REASONS FOR ABRUPTLY CLOSING MY CARD ARE XXXX XXXX - LACK OF MORTGAGE HISTORY, MY CC SCORE DROPPED, SEE LETTER FROM SYNCHRONY BANK ATTACHED. THIS WILL HURT MY CREDIT AND THERE'S NO REASON FOR THAT. PERFECTLY MAINTAINED CREDIT LINE. I WOULD LIKE TO KNOW THE NAME OF WHO CLOSED MY ACCOUNT, BECAUSE THIS IS POLITICAL!

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am disputing the collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that XXXX XXXX Capital XXXX, XXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ALLIANT CREDIT UNION
State: CA

Complaint narrative:
My Heloc transferred servicers to Alliant credit union in XXXX. In XX/XX/XXXX I received a missed payment letter ( although I had made all payments ) and I had also failed to receive my XXXX tax documentation. I tried to access my account through the online portal on alliantcreditunion.org but I could not create an account because " some of the information provided did not match our records ''. My husband ( coborrower ) could also not access an online account for the same reason. So I called the customer service line. During my call with customer service I could again not verify my identity ( I believe it was the date of birth that is incorrect ) so they refused to help me and disconnected the call. They would not provide a way to correct the data. The following business day I called back requesting the matter be escalated to a fraud or member resolution team. I explained that I believed their data was incorrect and I needed to correct the data so I could access my account. The representative repeatedly put me on hold, refused to transfer me to the fraud department after I requested investigation, and instead transferred me to the internet banking department. Where I was again asked to verify my data, again explained it was incorrect and asked for help with resolution, and was again disconnected when I could not verify. There are no branch locations in my area to prove identity in person. I believe Alliant credit union 's incorrect date of birth data is preventing identity verification and my ability to access my loan information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Netspend Corporation
State: NJ

Complaint narrative:
I was a victim of theft by my employee she stole all my funds from my XXXX income tax return by using my cellphone while I was hospitalized for XXXX treatment. I reported it i complained submitted police reports submitted proof on credit report submitted proof of IRS report begged and did disputes for all purchases. The NETSPEND prepaid bank refused my request and denied my dispute without prejudice because she was ordering things to my home address and picking them up and transferring them to her home.

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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under XXXX U.S. Code XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OK

Complaint narrative:
I paid off my auto loan with Toyota Financial Services ( TFS ) in XX/XX/XXXX. At that time, I received confirmation through my online portal and via email that my payoff had been received and that TFS would process and mail the title/lien release within approximately 3040 days. That did not occur. In XX/XX/XXXX and again in XX/XX/XXXX, I contacted TFS customer service to follow up. After extended wait times, I was informed that the lien release was in process and would be sent shortly. It was not sent. No lien release was mailed to me, and no lien release was sent to the XXXX XXXX, where my vehicle is registered. My vehicle is registered with the XXXX XXXX, which does not utilize an electronic title system. The title is a physical paper title, and I currently possess the original certificate of title. As of XX/XX/XXXX more than three and a half years after payoff the lien remains recorded on the title. I recently attempted to sell my vehicle to XXXX pursuant to a written offer that expires in seven days. The offer is materially favorable ( approximately {$12000.00} ). During the sale process, the unresolved lien was discovered. I confirmed via the TFS online portal that my mailing address on file is correct. The portal still reflects that the lien release is in process and will be sent in 2550 days, despite the loan having been paid in full in XXXX. This prolonged failure to release the lien is unreasonable and has now caused concrete financial harm. I am at risk of losing a time-sensitive sale opportunity due solely to TFSs failure to timely perform a basic post-payoff administrative function. It should not require multiple years and repeated customer follow-up for a lienholder to issue a lien release after receiving full payoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: NV

Complaint narrative:
This is a dispute for tailored suits in XXXX, XXXX. I attempted to cancel the service a couple hours after the purchases were made, but the merchant declined. The merchant was supposed to complete a 2nd fitting for the suits the following day, but did not. The merchant sent the merchandise, unfinished. Wells Fargo is declining to reopen my appeal as goods " Not as described. '' XX/XX/XXXX - I filed a dispute through Wells Fargo under " Cancelled service or merchandise '' as instructed by the Wells Fargo representative. At the time, this was the correct dispute type because I did not have the products on hand. The merchant was going to ship the products to XXXX XXXX, Nevada. XX/XX/XXXX - I received unfinished products from the merchant, 2 months late. The products do not fit because the merchant could not complete a second fitting. To add, this merchant has multiple reviews online as being fraudulent. XX/XX/XXXX - Wells Fargo advised me the merchant declined my dispute because they do not accept returns. I reached out to the merchant to attempt to return the unfinished products, they did not respond. XX/XX/XXXX - Wells Fargo filed a 2nd attempt on my behalf as " Cancelled service or merchandise. '' XX/XX/XXXX - I was advised by Wells Fargo they were denying my dispute because I received the products from the merchant and the merchant declined to refund. I communicated to the representative that this is not an issue of cancelled services anymore. I reinforced that the products were received but unfinished and not as described. Wells Fargo told me they will not be opening another dispute with Visa because I started my dispute as " Cancelled Service. '' I communicated to the representative that the unfinished product is new evidence and a new dispute should be opened but Wells Fargo still declined. I voiced my frustration because the 2nd dispute should have been opened as Not as described.

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 2026-03-03 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: FL

Complaint narrative:
I am submitting this formal complaint regarding the late payments currently being reported on my account. The information you are reporting is inaccurate, incomplete, and not in compliance with the Fair Credit Reporting Act ( FCRA ). ISSUE Late payments have been reported that I do not recognize, do not match my records, or appear to be incorrectly dated, improperly verified, or posted in violation of federal reporting requirements. These alleged late payments are causing direct and measurable harm to my credit standing. MY POSITION I dispute the accuracy of all reported late payments in full. Under the FCRA and federal guidelines, any data you report must be : 100 % accurate Fully verifiable with documented proof Reported within proper time limits Free from clerical, systemic, or procedural errors At this time, you have not provided any legally sufficient proof that these late payments occurred, nor have you demonstrated compliance with verification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding the Bilt XXXX issued by XXXX XXXX. Bilt Rewards confirmed to me in writing that I am eligible for the XXXX XXXX promotional bonus for transactions made between XX/XX/year> and that the bonus points would be manually applied once those transactions posted. All qualifying transactions have been fully posted for over a week. Despite repeated follow-ups and multiple escalations, the promised bonus points have not been applied. Support has stopped providing substantive responses. The unfulfilled promotional commitment is valued at approximately {$600.00} in rewards points. I relied on the written confirmation of eligibility when making these purchases. I am requesting that the confirmed promotional bonus points be applied immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a member for XXXX XXXX XXXX XXXX, and I need paid payment that XXXX {$40.00}, and I received message for in my ba Wells Fargo account that price {$40.00} from XXXX XXXX XXXX XXXX XXXX paid use my bank at I dont sent payment use bank check I sent from my bank account to XXXX XXXX XXXX XXXX XXXX but payment sent mistake sent to adder company name Slumbrapp.com but its not my payment I dont that company coustrmer please check and take a problem they are, I called them and told for that not my payment and they are returned my money back to bank account after one day XXXX XXXX XXXX XXXX XXXX XXXX payment but when I call them and told them payment they are recived or no they say for no they are dont received payment & XXXX, please help me where my money {$40.00} send

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 2026-03-03 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: DISCOVER BANK
State: WA

Complaint narrative:
Company complained about : Discover Product : Credit card dispute / chargeback Issue : Billing dispute merchandise not as described / return requirement unreasonable Complaint narrative : I am filing a complaint regarding how Discover handled a billing dispute for an international purchase that arrived not as described. I purchased a vintage XXXX watch from an international seller located in XXXX using my Discover credit card. Upon receipt, the item materially differed from the sellers description and listing. The condition, originality, and represented state of the watch were not as advertised, making this a valid not as described dispute under card network rules. I promptly contacted Discover and initiated a dispute. I provided photos, documentation, and a detailed explanation of how the item differed from the sellers description. Discover acknowledged the dispute but required that I return the item to the seller in XXXX as a condition of continuing the chargeback process. The problem is that international insured return shipping to XXXX would cost nearly as much as, or more than, the value of the watch itself. This requirement effectively forced me to choose between : - Losing the dispute by not returning the item, or - Spending an unreasonable amount of money on international shipping with no guarantee of reimbursement or successful resolution. This return requirement rendered XXXX buyer protection meaningless in this case. It placed all financial risk on me, despite the merchandise being legitimately not as described and despite the seller being outside the United States. Discover did not offer an alternative resolution, partial credit, or any accommodation for the disproportionate cost of international return shipping. As a result, the dispute process failed to provide fair or practical consumer protection. The policy outcome discouraged legitimate disputes for international transactions and effectively shielded the seller from accountability due solely to geography and shipping cost asymmetry. I am requesting that this complaint be reviewed to determine whether Discovers dispute handling practices comply with fair billing and consumer protection standards, particularly in cases involving international sellers where return shipping costs exceed reasonable thresholds. I am not disputing the existence of a return policy in general ; rather, I am disputing the fairness and reasonableness of enforcing a return requirement when it imposes excessive financial burden on the consumer and nullifies the intended protection of the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC regarding an account they are reporting on my credit report. On XX/XX/year>, I sent a certified letter requesting removal of the alleged debt and proper validation. The company responded stating they were reviewing my inquiry. They later mailed what they referred to as an account summary used to verify the debt. However, the document provided is not sufficient validation of the debt. The so-called account summary : * Does not contain a signed agreement or contract bearing my signature * Does not show proof that I agreed to or authorized the debt * Does not provide a full payment history * Does not establish that the company has legal authority to collect * Does not sufficiently verify that the debt belongs to me Simply providing a generic account summary is not proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The company has failed to provide competent evidence that I am legally obligated for this debt. Despite providing inadequate documentation, the company continues reporting this account to the credit bureaus, which is damaging my credit. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act ( FCRA ), a debt collector must provide meaningful validation and must not report information that can not be properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint against National Credit Systems regarding an alleged debt they are reporting on my credit file. On XXXX XXXX, I sent a certified letter to the company requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). The letter was delivered on XX/XX/year>, and I have proof of delivery. In my written request, I specifically requested full validation of the debt. I did not accept any settlement offers, nor did I acknowledge or agree to the debt in any way. It has now been more than 30 days since the company received my request. I have not received any response, documentation, or verification of the alleged debt. Despite failing to provide validation, the company continues to report this account on my credit report. Continuing to report an unvalidated debt while ignoring a formal validation request is improper and potentially in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
The vehicle required too much money to be insured and registered in the state of Maryland. The salesman should have never allowed the vehicle to be driven or sold without the insurance. I ended up stuck with a car that gained interest and left negative equity once it was voluntarily repossessed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Car was totaled XX/XX/year>. XXXX settled for {$19000.00}, principle amt. XXXX ins hasn't made a determination yet for bal of $ XXXX. Lien holder, Santander is reporting REPO, W/O and refuses to report pymt recvd from ins. This was NOT a repo, w/o should be reversed, settlement should be reflected, REPO removed and GAP ins allowed more time for assessment. High balance reported was $ XXXX but reporting, $ XXXX w/o reporting I still owe $ XXXX & no pymt./settlement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: KS

Complaint narrative:
I was just opening a bank account after I deposited a check of {$23000.00} from my attorney. The bank place a restriction on my account They still don't send me my 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