vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On around XX/XX/year> I received XXXX XXXX decorations from XXXX. I checked Wells Fargo statement and was charged {$290.00} that I did not authorize. I called XXXX who would not give me any information even though I had the order number, my card was charged and merchandise was shipped to my house. I couldn't tell them the name the account was under to verify. They told me if its fraudulent I need to call my bank. I called my bank and disputed the charges which they sent to be investigated. Yesterday they sent me a letter saying because I had the card and the product was shipped to my house it wasn't their problem. I called XXXX back and got the same answer they gave me the first time. I asked if I could just return the merchandise for a refund which they said no because it was purchased under someone else 's account. So even though my card was used and it was shipped to my house they won't let me return it and my bank says it's not fraud. I've researched online and it's a scam called " XXXX '' to pad numbers and leave good reviews to drive sales. I'm at a loss of what to 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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX XX/XX/year> Debt Collectors Name MIDLAND CREDIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI, XXXX Re : Account Number XXXX To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I dispute this alleged debt in its entirety and request full validation. Please provide the following : The name and address of the original creditor. The full amount of the alleged debt, including an itemization of any interest, fees, or charges. Copies of any documents bearing my signature that show I agreed to assume this debt. Proof that your company is legally authorized to collect in my state. Proof that the statute of limitations has not expired on this alleged debt. Until you provide proper validation as required by XXXX law, you must cease all collection activities, including reporting this account to any credit reporting agencies. If you have already reported this account to any credit bureau, please note that reporting inaccurate or unverified information may constitute a violation of XXXX law. I expect your response within a reasonable period of time as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding American Express refusal to provide relief for a prepaid annual service that was not delivered due to the merchant permanently ceasing operations. On XX/XX/year>, I paid approximately {$1000.00} in a single lump-sum payment using my American Express XXXX XXXX for a XXXX health coaching program operated by XXXX XXXX XXXX XXXX XXXX previously known as XXXX XXXX XXXX, founded by XXXX XXXX. I have written documentation confirming this was a XXXX prepaid program. The program included XXXX group calls, XXXX personal lab review consultations, supplement discounts, and full access to an online educational library. The services were explicitly centered around XXXX XXXX personal involvement. Approximately XXXX month after my purchase, XXXX XXXX passed away. At the time, there was no formal communication indicating that services would permanently cease, and I reasonably believed the company would continue servicing enrolled members. However, I recently discovered that the website is no longer accessible, member login access has been removed, phone numbers are disconnected, emails have gone unanswered, and social media outreach has received no response. All contracted deliverables have effectively been removed and are no longer available. I received approximately XXXX month of services out of the XXXX prepaid contract. As a result, the majority of the contracted services approximately XXXX months were never delivered due to permanent merchant cessation. I have attempted to resolve this matter with American Express XXXX XXXX but have been informed that the transaction falls outside of a XXXX dispute window. This is not a dissatisfaction issue ; it is a material failure to provide contracted prepaid services due to business closure. I have been an American Express customer for over XXXX years and have maintained my account in good standing. Despite the unique and verifiable circumstances of merchant cessation, no goodwill adjustment or discretionary review has been offered. As a XXXX XXXX XXXX, I reasonably expected protection in situations involving prepaid services that were not delivered due to permanent merchant closure. I am requesting a fair reconsideration and billing adjustment for the unused portion of the prepaid annual program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I initially put {$200.00} into Block inc. Made a profit of {$190.00}. Seeing how easy it seemed I invested {$250.00} then {$300.00} then {$1000.00} then {$2000.00}. All were profitable. I then increased to {$4000.00} to {$8000.00}. Ultimatley Profiting {$14000.00}. Then paying a commission of 30 % equal to {$4300.00}. Was told i can not pay the commission trough my block inc account only through CASH APP. They only take bitcoin. I had to convert XXXX to bitcoin to transfer. then transfer from bitcoin to my personal bank account. into my block inc. account. Because the profit scale they said I need to prepay taxes of 22 % capital gains. from my bank account to them in the sum of {$3300.00}. They said the tax payment will be refunded to me through my block inc account. It was. Then they said when I tried to transfer my funds I did it incorrectley. And froze my account because my erroneous action triggered the relevant verification mechanism. And they are not able to bypass the relevant verification process from abnormal status. But if I pay them {$5900.00} 30 % of my balance of {$18000.00} my funds will be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding Bank of AmericaXXXX denial of a chargeback for merchandise that was materially not as described and counterfeit. On XX/XX/year>, I purchased an item through the online marketplace XXXX for {$100.00}. The item was advertised as authentic. Upon receipt, I determined that the item is counterfeit and therefore not as described. I promptly contacted the seller and opened multiple support tickets with the platform. XXXX closed my tickets without providing a prepaid return label or issuing a refund. I then filed a dispute with Bank of America under the merchandise not as described category. Despite providing documentation that the item is counterfeit and showing that the merchant/platform refused to properly resolve the issue, Bank of America denied my claim on XX/XX/year>. Under card network chargeback rules, counterfeit goods fall under merchandise not as described. The item delivered was materially different from what was advertised. I made a good faith attempt to resolve the dispute with the merchant before filing with Bank of America. I am requesting that Bank of America : XXXX. Reopen and properly review my dispute. XXXX. Apply the appropriate chargeback code for counterfeit merchandise. XXXX. Provide a written explanation citing the specific reason for denial under applicable card network rules. I believe this dispute was not evaluated correctly under consumer protection standards.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX at XXXX PM, I received a call from Commenity Bank ( for my XXXX account ). The caller ID displayed XXXX XXXX XXXX ', which is a car dealership, not the bank. I only answered because of this deceptive name. I explicitly told the agent I was at work and walking into a meeting, which makes the call inconvenient. Instead of hanging up, the agent repeatedly pressured me to schedule a payment. When I finally gave a date just to end the call, she pressured me further about late fees. This is a violation of the FDCPA for using a deceptive caller ID and for communicating at an inconvenient time/place after being told to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SANTANDER HOLDINGS USA, INC.
State: AR

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX XXXX XXXX regarding a vehicle purchase completed on XX/XX/year> XXXX days ago. During the financing process, the dealership submitted income information to the lender that was significantly higher than my actual income. I did not authorize any false information to be provided on my behalf. I only became aware of this after reviewing the financing documents. In addition, I was told verbally that my interest rate would be lower, but the signed contract reflects a higher XXXX. This was not clearly disclosed to me before signing. I Believe the dealership >Falsified my income to secure loan approval

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding Capital Ones handling of my debit card fraud claim under Regulation XXXX of the Electronic Fund Transfer Act. Unauthorized debit transactions totaling approximately {$150.00} occurred on my account. Capital One issued temporary credit of {$92.00} and later denied claim stating the transactions were not reported within the required timeframe. I was later informed that the case resulted in a split decision involving multiple claims ; however, I never received written notification of the denial for XXXX of the claims. The denial letter I received only referenced {$92.00} and did not identify all disputed transactions or provide a full breakdown of the investigation. Because I did not receive proper notification of the denial, I was unable to exercise my dispute rights. I have requested clarification and review from Capital One, but I was advised the claim would not be reopened. I am requesting that Capital One : XXXX. Provide copies of all investigation determination letters. XXXX. Confirm when and how notification of the denial was provided. XXXX. Conduct a full Regulation XXXX reinvestigation of all unauthorized electronic fund transfers. XXXX. Correct any incomplete investigation and reimburse unauthorized transactions as required. I am seeking regulatory review to ensure compliance with Regulation XXXX investigation and notification requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
i received a letter from Mandarich Law group stating they obtained a judgment against me case number : XXXX dated XX/XX/year> in the matter of XXXX XXXX XXXX and that they believe they have identified my employer and are prepared to proceed with wage garnishments. i wasn't aware of any cases against me and can not afford a company attempting to garnish my wages or contact my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
The company is reporting a fraudulent debt and trying to collect on it.

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 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Debt XXXX Name LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account Number XXXX To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I dispute this alleged debt in its entirety and request full validation. Please provide the following : The name and address of the original creditor. The full amount of the alleged debt, including an itemization of any interest, fees, or charges. Copies of any documents bearing my signature that show I agreed to assume this debt. Proof that your company is legally authorized to collect in my state. Proof that the statute of limitations has not expired on this alleged debt. Until you provide proper validation as required by federal law, you must cease all collection activities, including reporting this account to any credit reporting agencies. If you have already reported this account to any credit bureau, please note that reporting inaccurate or unverified information may constitute a violation of federal law. I expect your response within a reasonable period of time as required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I HAVE FILED A DISPUTE WITH THE FCC BECAUSE I WAS SCAMED BY XXXXXXXX XXXX AND HAD BEEN A CUSTOMER OF XXXX FOR OVER XXXX YEARS I SENT THEM A DEMAND LETTER TO CREDIT THE BALANCE DUE TO THEM FOR THE DAMAGED THEY CAUSED ME FOR LOOSING XXXX BUSINESS PHONE NUMBERS FOR LACK OF COMMUNICATION AND FRUAD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Klarna AB
State: TX

Complaint narrative:
Payment was made on the account with Klarna as of XX/XX/year>. After receiving a 30 day late notice, I called them about this issue. Klarna denied there was a late payment reported and ask that I send them proof, which I did. After some time has passed, a follow-up was made, which resulted in being told there was no change in the previous report. Klarna continues to deny that they made this XXXX late report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> I had two charges come through back to back for the amount of {$210.00}. I did not recognize those charges so I immediately called Chase Bank and reported it as fraud. They put a temporary credit to my account and told me to go close my XXXX account because that is where it was coming out of so I did that and now today on XX/XX/year> they have allowed the transaction to go through so I called them and they said that after they did an investigation that I was found to have made the purchases which is inaccurate, and I explained to them they tried to say I used a pin number which I dont have a pin number for XXXX XXXX then they proceeded to say that they may or may not be able to help fix this issue that they have to go on the back end and meanwhile, I am without my money and overdrawn on my account. I tried to explain that to them and they refuse to help. I also called XXXX and since the bank required that I close the account through XXXX since they said it was a fraudulent transaction to begin with which I did. XXXX can not access the account properly and are refusing to help me as well. I need someone to look into this because I feel like my money is being taken from my account for fraudulent transactions and they are not taking it serious. I am now out over {$400.00} because of it and my bank is overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
ONEMAIN is falsely reporting on my credit. I have never had any accounts with them. Per my research ONEMAIN 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 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Issue : Inaccurate delinquency reporting during medical residency despite submitted residency verification To whom it May concern, Dear Sir/Madam, I am submitting this complaint regarding inaccurate delinquency reporting by Nelnet on my federal student loan account. I was enrolled in an accredited medical residency program from XX/XX/XXXX through XX/XX/XXXX. Under federal student loan servicing guidelines, medical residency qualifies a borrower for residency forbearance/deferment. Prior to the delinquency period, I mailed Nelnet documentation verifying my residency status. I also contacted Nelnet by telephone to confirm submission. Despite this, I never received any written denial, request for additional documentation, or notice that my residency verification was insufficient. Beginning XX/XX/XXXX through XX/XX/XXXX, Nelnet reported my account as XXXX, XXXX, XXXX, and XXXX days delinquent to the credit bureaus. On XX/XX/XXXX, I filed a formal dispute with XXXX and submitted my residency verification documentation again as supporting evidence. Nelnet responded to XXXX by verifying the delinquency as accurate. However, Nelnet has not explained : Whether my residency verification was received Whether it was reviewed Whether it was denied If denied, when and how I was notified Why delinquency reporting occurred while I was actively enrolled in residency Given that I was in residency during the entire XXXX XXXX period, reporting escalating 90180 day delinquencies without properly processing residency documentation appears inaccurate, incomplete, and misleading. I am requesting : A full servicing file review. Written explanation of how my residency documentation was processed. Documentation of any denial notice allegedly sent to me. Correction of the XXXX XXXX delinquency reporting if residency eligibility was improperly handled. A description of the method of verification used when responding to XXXX. This matter has materially affected my credit profile despite my documented residency status during the reported delinquency period. I am requesting prompt investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Ability recovery is trying to fraudulently trying to collect debt or re-aging invalid debt.

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