vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, approximately between XXXX XXXX and XXXX XXXX, my Wells Fargo checking account was compromised due to a scam involving unauthorized access to my phone. While I was asleep, a XXXX used my phone without my knowledge and transmitted a verification code as part of an online scam. This allowed unauthorized third parties to gain access to my financial accounts. Shortly after, funds were moved from my savings account into my checking account and then transferred out of my checking account in the amount of {$2800.00}. Although the transaction appears under my name or credentials, I did not initiate, authorize, or approve this transfer. I immediately contacted Wells Fargo and reported the transaction as unauthorized fraud. However, Wells Fargo denied my claim within a very short time frame without requesting supporting documentation or conducting a thorough investigation. My dispute was also incorrectly categorized as dont remember this transaction, which is not accurate. I clearly reported this as an unauthorized transaction due to fraud. I requested that Wells Fargo investigate the fraud, review my claim properly, and reimburse the unauthorized transfer. I also requested an explanation of how the transaction was approved. Wells Fargo did not provide a meaningful response or allow me to submit evidence before denying the claim. This situation has caused a financial loss of {$2800.00} and significant hardship, as these funds were intended for essential living expenses. My account and personal device were compromised through fraud, and I did not knowingly participate in or authorize this transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: PA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In the XXXX of XXXX I was notified by the billing department at my XXXX XXXX XXXX XXXX I would have to pay {$7000.00} for an implant up front because I was having multiple procedures completed by an oral surgeon not a regular dentist. The care-credit account was opened with Synchrony in order to take care of my expenses however the account was maxed out & I had to have all the charges reversed by filing a dispute because the oral surgeon did not agree with charging me for services he had not completed. The balance was resolved & I began paying on the {$4000.00} balance around XXXX of XXXX. I had one or two NSF because I pay all of my big bills out of one account. I was never notified my account was at risk of being closed so I continued making payments each month in addition to the interest that was added daily. I submitted a payment on XX/XX/XXXX only to have my account closed 4 days later. The day after the account was closed I received an email that the upcoming payment would be due by XX/XX/XXXX. No other correspondence has been received ( email/voicemail/app notification ) regarding the account being closed. After spending a total of {$340.00} for the month of XXXX ALONE to have my account permanently closed with no warning beforehand is completely unacceptable & I do intend on seeking counsel to have this rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: KS

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
XX/XX/XXXX I field an fraud report with Navy Federal XXXX department, several times and also did an appeal because they sent several letters starting from XXXX XXXX to XXXX XXXX stating that they find my claim to be an error I first contact Navy Federal XXXX XXXX to report my card was stolen XX/XX/XXXX XXXX after filling my police report of my XXXX XXXX was stolen and used without my permission in the amount of {$5300.00} XXXX submitted all documents, and proof to them to prove that my credit card was not in my possession. I submitted personal information regarding my XXXX at the time along with me traveling out of town etc. and Navy Federal XXXX continue to send the same letter stating that my claim is an error. the company have all my documents police report all proof of my whereabouts. I am dissatisfied with how Navy Federal has handle my fraudulent activity reported on my account .Not only was my claimed of fraud incorrectly reversed and deemed an error. I am deeply offended and frustrated by the requirement of having to surrender my personal and private details to prove that I am a victim of fraud for them to push to aside and send a letter saying " charges are an error and will be reversed back to my XXXX XXXX '' also the team member stated to me on the call XX/XX/XXXX that it may be hard for them to charge the companies because of the time frame of the charges ignorer to get their money back ''. With that being stated to me, I am under the impression now that's why they are saying my claim is an error to make me pay for fraudulent charges .. this is unacceptable as a customer to Navy Federal .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have done multiple phone calls and sent mail to get the required information that the firm I hired needs to move my file forward. After repeated attempts of trying to resolve this I am now filing this complaint with the CFPB and asking you to provide the requested info here in the CFPB portal or you can email it or mail it to the firm I have given the Authority to receive it. I have attached a Notarized Power of attorney with my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am reviewing my credit report and found an error regarding an account with XXXX XXXX. The report shows this account as a charge-off, but it is still reporting it to my credit, which makes it inaccurate. According to the Fair Credit Reporting Act, I am requesting that you investigate this entry and remove it immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital System LLC ALL are in violation of FDCPA 15 U.S.C 1592e section 807 they are listening themselves as the original owner of the debts I have screenshots of the reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to National Credit Systems. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that National Credit Systems currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to National Credit Systems. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am writing to officially file a fraud claim regarding my XXXX CD account ( Account # [ XXXX ] ), which had a total balance of {$50000.00} and a maturation date of XX/XX/year>. Upon logging into my online account today on XX/XX/year>, I was prompted to contact Citibank with Reference ID # XXXX. Through subsequent inquiries, I discovered two unauthorized transactions that occurred on XX/XX/year>, at the XXXX XXXX XXXX branch : 1. A transfer of {$44000.00} from my CD account to an individual named XXXX XXXX. 2. A withdrawal of {$5000.00}, resulting in the closure of my CD account. I noticed that while my XXXX statement reflected the full {$50000.00} balance, my XXXX statement showed no record of the CD account or these transactions. I have requested separate CD account statements but have not yet received them. I have already spoken with the branch manager, XXXX XXXX, at the XXXX XXXX XXXX location ( XXXX ). She has collected my personal information and security details, noting a one-week turnaround for an update. However, I would like to formally document this claim to expedite the investigation. Please contact me if you require any additional information. I can be reached via email at XXXX or by phone at XXXX. Thank you for your prompt attention to this matter. Best regards, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: UBS BANK USA
State: IL

Complaint narrative:
Dear Sir or Madam, I am writing regarding my late fathers bank account, following his passing on XX/XX/XXXX, of which I am a rightful heir. On XX/XX/XXXX, I was contacted by a representative of UBS requesting my banking details in order to proceed with the transfer of funds to the heirs. In that communication, it was explicitly stated that the transfer would be carried out. After promptly providing all requested information, I was subsequently informed that the transfer could not be executed due to an alleged conflict involving a trust. However, this trust has no relation whatsoever to the account in question, rendering this justification unclear and unsupported. Upon requesting further clarification, I was informed by the assigned banker that one of the beneficiaries is disputing the declaration of heirs. In this regard, I must emphasize that the declaration of heirs was legally issued in XXXX and has been duly apostilled, legalized, and officially translated in full compliance with international legal requirements. To date, no explanation has been provided as to what specific aspect is being disputed. Furthermore, no formal documentation has been provided to substantiate : * The existence of any such dispute * The legal basis preventing the transfer of the account funds * Any connection between the alleged trust and the account Additionally, I formally request a detailed explanation as to why the bank has provided the account balance as of XX/XX/XXXX, instead of the date of my fathers death on XX/XX/XXXX. In light of the above, I hereby formally request : 1. A detailed written explanation of the legal grounds for withholding the transfer of funds. 2. Copies of all documents related to the alleged trust. 3. Documentation evidencing the purported dispute concerning the declaration of heirs. 4. A clear and documented justification for providing the account balance as of XX/XX/XXXX, rather than the date of death ( XX/XX/XXXX ). 5. Written confirmation of the current status of the funds and a clear timeline for resolution. Please note that the continued lack of transparency and absence of formal documentation in this matter is unacceptable. Should I not receive a clear and properly documented response within a reasonable timeframe, I will proceed to escalate this matter to the appropriate regulatory authorities. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
Received a letter in the mail stating I owe over {$71000.00} for a small business administration loan I did not take out. I called the company, the wouldn't give me any information about the loan. I created an account with SBA and checked my credit reports, there are no records of this loan anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
Issue : Attempt to collect on fraudulent transaction after bank-approved chargeback Company : PayPal , Inc . Complaint : I am filing this complaint regarding PayPals attempt to collect funds from me related to transactions that were determined to be fraudulent. The transactions in question were unauthorized. I did not approve it, did not receive any goods or services, and did not benefit from it in any way. Upon discovering the transactions, I reported them to my bank. After conducting a formal investigation, my bank determined the charges to be fraudulent and issued a chargeback in my favor for all transaction in a certain time period ( 90 days ) Despite this determination, PayPal is now attempting to hold me financially responsible for the same transaction. They have either placed or are threatening to place a negative balance on my account and may pursue collection activity. This is inappropriate and unfair for the following reasons : The transaction was unauthorized and meets the definition of fraud My financial institution has already ruled in my favor after investigation I should not be held liable for a fraudulent transaction under applicable consumer protection laws I have attempted to resolve this issue directly with PayPal, but they have failed to provide a satisfactory resolution. They send form letters within 10 minutes of every correspondence and they send near daily threats of collections and other mannuevers. They refuse to speak to me inside the USA. Requested Resolution : Removal of any negative balance associated with this transaction Written confirmation that I have no financial liability Assurance that no collections activity or negative credit reporting will occur I am requesting that PayPal conduct a proper review of this matter and comply with applicable consumer protection standards. Additional Information : Transaction dates XXXX XXXX Transaction amount : total {$4700.00} was charged back by my bank, XXXX XXXX Date reported to bank : XX/XX/year> I appreciate your assistance in resolving this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Atlanticus Services Corporation
State: VA

Complaint narrative:
Subject To Whom It May Concern, I am submitting a formal complaint against a company regarding ongoing harassment and failure to comply with my requests to cease communication. Over an extended period, I contacted the company numerous times via chat, email, and phoneapproximately 25 separate attemptsexplaining that I was experiencing financial hardship and requesting assistance, including a reduction in fees to make repayment manageable. The company refused to provide any form of assistance. Subsequently, I informed the company multiple times, both in writing ( email and chat ), that I had enrolled in a debt resolution program and that I am represented by an attorney. Despite this, the company has continued to contact me directly. I have explicitly requested that all communications cease and that any further correspondence be directed to my legal representative. I also cited my rights under the Fair Debt Collection Practices Act ( FDCPA ). However, the company has ignored these requests and instead escalated their behavior. I am now receiving daily communications, including repeated text messages and emails. After notifying the company that I intended to file a complaint, the frequency of these communications increased further. This pattern of conduct feels harassing, excessive, and intimidating. I am requesting that this matter be investigated. Specifically, I ask that the company be required to : Cease all direct communication with me immediately Direct all future communications to my attorney Review and address their collection practices for compliance with applicable laws I have retained records of my communications, including emails, chat transcripts, and logs of repeated contact attempts, and I am prepared to provide this documentation upon request. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Exeter Finance, LLC.
State: DE

Complaint narrative:
I have made several calls to Exeter Finance beginning in XXXX of XXXX I was offered an option to extend the loan due to financial difficulties but declined as that would not help my financial situation. I wrote the company XX/XX/XXXX to confirm that I am still waiting to have this vehicle voluntarily surrendered. Exeter agreed to honor my decision for my vehicle a XXXX XXXX XXXX. To date they still have not sent any documentation and have not picked up the vehicle. When I called, I spoke with two representatives name XXXX one a customer service Rep the other a manager. I was advised they do not have any trucks to pick up the car and does not know when they will. I asked for a confirmation letter that I have already advised that I can no longer make payments and would like the vehicle picked up and that by no fault of my own am I out of compliance. As discussed with representatives, I made the vehicle available for pickup and have fully cooperated with the voluntary surrender process. However, I have been informed that there is a delay in retrieving the vehicle due to a lack of available transport trucks. I want to clearly document that the vehicle has been ready and available for pickup since XX/XX/XXXX, and that any delay in repossession is not due to any lack of cooperation on my part. In the meantime, I requested confirmation that I will not be held responsible for any additional storage, fees, or liabilities resulting from this delay. I was told they can't give me any letter as proof Thank you for your attention to this matter. I look forward to your prompt response

Company response to consumer: Closed with explanation