vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Walwick, Inc
State: WA

Complaint narrative:
I went to get my physical at seamar in XXXX. At the time I had insurance which would pay for my visit. Fast forward, now I dont have insurance anymore but XXXX XXXX charged full price for something that I was supposed get paid for/ help paying for.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Portfolio Recovery located at : Portfolio Recovery XXXX XXXX XXXX XXXX, XXXX XXXX This complaint concerns unlawful communication practices and violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692 ( c ). I am asserting that Portfolio Recovery has engaged in communication practices that violate federal law. Under 15 U.S.C. 1692 ( c ), a debt collector must cease communication with a consumer once notified in writing that the consumer refuses to pay or requests that communication stop. Despite my assertion of my rights, communication and/or reporting activity has continued in a manner that I believe to be unlawful. Additionally, continued reporting of this account while engaging in unlawful communication practices is damaging to my credit profile and financial standing. Because of these violations, I am demanding the following : Immediate cessation of all communication as required under 15 U.S.C. 1692 ( c ). Immediate removal of this account from all consumer reporting agencies. Written confirmation that the account has been permanently deleted from my credit profile. Failure to comply with federal law will leave me no choice but to pursue additional remedies available to me under the FDCPA and other applicable consumer protection statutes. I request that this matter be investigated promptly and resolved without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was contacted by a fake Wells Fargo employee and asked to move all of my money over to an XXXX XXXX, and I move the money thinking it was the Wells Fargo employee, and all my money was stolen. They are saying it can not be refunded because I did the act. But I was under duress and I thought they were a Wells Fargo employee.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am submitting this update because I received new information from Bank of America that directly affects my case. Today I spoke with a Bank of America representative named XXXX, who confirmed that the evidence I faxed was never attached to the claims that were denied. This means the denials were issued without reviewing the documentation I submitted. This is a procedural failure by the bank, not a valid investigation. XXXX of my claims were permanently refunded based on the same evidence. The remaining claims were denied only because the bank failed to attach and review my documents. The inconsistent outcomes are the result of the banks internal error, not the facts of the case. I also contacted the police when I first realized the transactions were fraudulent. During my initial call to the bank I was confused because my phone and card were missing and I did not yet understand what had happened. I later provided a clear explanation and supporting evidence, which the bank failed to attach to the denied claims. I previously reported that these delays are causing me financial hardship. That hardship is now directly tied to the banks admitted procedural mistake. I should not be forced to wait any longer for a reinvestigation caused entirely by the banks failure to attach my evidence. I am requesting that Bank of America issue the remaining refunds immediately and correct this error promptly. The bank has already validated the fraud pattern by refunding XXXX claims, and the remaining claims require the same corrective action. I still have no way to look at any of this online and nothing is being emailed to me. Please help.

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 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My card from XXXX XXXX and XXXX which I never receive in the mail was fraudulently used to on XX/XX/XXXX and XX/XX/year> in the amount of {$2000.00} each of a total of {$4100.00} dollars. I was only aware of this fraudulent activity when I received the bill. Immediately I called the bank and filed a dispute. They sent me a form and I filed it out and sent it back via the mail. And I also I call the XXXX XXXX and they said they did not see any transactions purchases made in XX/XX/year> except for a payment I made for a small refrigerator on XX/XX/XXXX I believe because I had went to the store in XXXX where the sales representative opened a card for me to purchase the refrigerator on XX/XX/year> and was told that I will receive the card in the mail which I never did. During that my father was in the hospital in hospice care until he passed away on XX/XX/year> so I forgot about the credit card until I received the bill. The bank sent me a letter without proof of how and where and what merchandise was purchased that my claim was denied today. I called again and opened another dispute and wanted answers and was told to call XXXX XXXX and back and forth. I really need help to resolve this issue.

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 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: CA

Complaint narrative:
A collection account from XXXX XXXX XXXX for approximately {$780.00} related to Klarna has appeared on my credit reports with TransUnion and XXXX. I have no knowledge of this account and do not recognize this debt. I have never opened a Klarna account associated with this balance. I have already disputed this account with the credit bureaus. I request that XXXX XXXX XXXX provide documentation verifying that this debt belongs to me, including the original account agreement and transaction records, or remove the account from my credit reports if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX, and XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
When my American Express bill was due on XX/XX/year>, due to a banking error, The statement balance which should have been sent, wasn't. Only the minimum payment due. When I discovered the discrepancy on XX/XX/XXXX, I sent off another payment, which was posted to my account. I was charged interest for this, which was reflected on my XXXX bill. When I paid my bill on XX/XX/XXXX ( from this point, all dates are XXXX ), My balance was {$180.00}. I paid the full amount. While on the American Express website for a different matter, I saw that my account had a credit to it. I looked at my transactions, and the best I can come up with is I made a math error. I say that, because American Express has not been able to tell me why. I immediately contacted customer service via chat, and over the phone. I spoke/chatted with at least XXXX different people. I asked each of them specifically what my balance was on XX/XX/XXXX, which was {$180.00}, and XX/XX/XXXX, which all agreed was {$0.00}. On XX/XX/XXXX, I was charged {$2.00} in interest. There were, and American express acknowledges there were no charges between XX/XX/XXXX and today. Turns out, I overpaid my bill. I currently have a {$43.00} credit on my account. This is where I learned about trailing interest. I was told, by XXXX different American Express representatives, that unless I paid my balance in full for XXXX consecutive months, they could charge me interest, even though I had a {$0.00} balance. I was given very specific instructions to exactly where to look on my bill. I saw where it said they could charge me interest until my balance was paid in full, which, and I have screen shots of them stating that my balance on XX/XX/XXXX was {$0.00}. Still, on XX/XX/XXXX, I was charged interest. And, just to be clear, the due date on my American Express card is the XXXX. American Express told me that since I'm such a valued customer, they're gon na go ahead and waive those charges. I will, if required, go into the details of the multiple phone calls I had to make, and screenshots of the chats. American Express has generously offered to waive the fee, but nobody is able or willing to explain to me how they can just decide to charge me interest from XXXX in XXXX. Once again, American Express acknowledges that on XX/XX/XXXX I not only had a {$0.00} balance, but a {$43.00} Credit. I've never claimed to be the smartest person in the world, but I am reasonably intelligent. My concern is, how many people don't catch this. I'm lucky ; I have every receipt since I've had the card. Makes me wonder how many people miss the {$2.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My complaint is with the Home Depot consumer credit card. without my knowledge or consent, Home Depot has been opting me in for promotional periods when making purchases over {$290.00}. Due to Home Depot taking advantage of me and opting me in for promotional Periods I have been charged outrageous interest fees. These fees have been ranging from XXXX XXXXXXXX {$1500.00}. I think this is unfair. Some of the transactions made during a certain timeframe. Some of those items have been returned. They are still charging me interest on items that have been returned not only that due to this issue the outrageous interest fees have been deducted from my credit limit and now has my credit limit over the limit and now my credit is being affected from this issue. I feel if I opt in for any promotion I should be made aware of that promotion at the time of purchase. Not as a surprise on a credit card statement. For as long as i have had my home depot credit card Nothing never showed up on my receipt for taking advantage of a promotion, I feel that this practice is scam like behavior, unethical, and unfair.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account reported by Stafford Group & Associates on behalf of XXXX XXXX with a balance of approximately {$1000.00}. I do not recognize this debt and contacted the collection agency requesting validation of the account, including an itemized statement, a copy of the original signed agreement, and documentation showing that Stafford Group & Associates has the legal authority to collect this debt. The response I received from the company states that they are requesting documentation from the original creditor and that the process may take up to 60 days. However, they did not provide any documentation verifying that the debt belongs to me. Because the debt has not been properly validated, I believe the collection agency does not currently possess sufficient documentation to verify the debt while it continues to be reported on my credit report. I am requesting that the company remove the account from my credit re

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 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Last year I saw XXXX XXXX XXXX, MD for a work related accident/injury that the responsible party for payment of this bill was the XXXX XXXX XXXXXXXX XXXX The XXXX XXXX XXXX has been denying all of my medically necessary medical care and treatment since I was assigned a new claim representative in XXXX, XXXX. This representative filed an appeal to the workers compensation board falsely claiming that this care was not related or an established site or injury even though they previously accepted full accountability and responsibility for these sites and injuries by authorizing medical care, treatment and XXXX which I reminded the workers compensation board about the fact that this carrier has previously authorized this exact same care and treatment which included multiple surgical procedures so how can this new representative after 24 years now claim that these exact same sites and injuries are not established or part of my claim now. The workers compensation appeal board ruled in my favor. I had requested that the board schedule an emergency hearing because XXXX were adamantly refusing to pay for my XXXX XXXX XXXX that they authorized in XXXX, XXXX, that I had XXXX, XXXX. During this workers compensation board hearing the administrative law judge ordered XXXX to get an independent medical exam, which I attended on XX/XX/XXXX, and there own doctor agreed that the injuries XXXX are disputing are part of my claim. The judge immediately ordered XXXX to pay all disputed medical bills within 30 days of his decision on XX/XX/XXXX. I recently received a bill from XXXX XXXX and I immediately sent him a letter that included the appeal and the law judges decision and I stated in this letter that they need to re-bill XXXX for payment of this bill. I am now being harassed by TSI ( Transworld System Inc ) for this bill and despite me advising them that I am not responsible for payment of this bill and asked them to cease and desist with all communications they keep texting me and annoying me trying to collect this bill that clearly I am not responsible for since it is a workers compensation claim and I told them what they need to do and its not my fault or responsibility that they dont want to do what is morally or ethically right and re-bill XXXX for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
A collection account from Jefferson Capital Systems for approximately {$780.00} related to XXXX has appeared on my credit reports with XXXX and XXXX. I have no knowledge of this account and do not recognize this debt. I have never opened a XXXX account associated with this balance. I have already disputed this account with the credit bureaus. I request that Jefferson Capital Systems provide documentation verifying that this debt belongs to me, including the original account agreement and transaction records, or remove the account from my credit reports if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
We refinanced the loan through XXXX XXXX following a request for a 30 day payoff amount from Ally Financial. They stated they could not generate anything longer than 10 days. We mailed the 10 day payoff period amount to ally postmarked XX/XX/year> before the XX/XX/XXXX payoff deadline after waiting for XXXX XXXX to process our loan application and provide us the check. After Ally " received '' the check a week after it was delivered ( XX/XX/XXXX ) they REJECTED THE ENTIRE CHECK. Under the guise of the check being " short '' ( by ~ {$40.00} need I remind you on a $ XXXX loan ) and proceeded to attempt to charge us a late fee + additional interest for the pay off not being completed on time. The company refuses to budge and the 3 hour+ wait time on the phone makes it impossible for problems to be solved. They suggested I request more funds on my refinance to cover the difference in interest THEY MADE for rejecting a valid check without their own due diligence to request the remainder or even notify us the check was rejected before it was almost too late.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding Closure of Personal and Business Accounts and Withholding of Funds I have maintained a personal banking relationship with Wells Fargo since XXXX. In XX/XX/XXXX, I opened a business account for XXXX XXXX XXXX with XXXX business partners. This business account was separate from and not connected to my personal account. At the time of opening the business account, we fully informed Wells Fargo representatives about the nature of our business operations. Our company leases office space to approximately XXXX real estate agents who pay monthly rent to cover the business lease. These payments are primarily made through XXXX, although we also receive some payments through checks and cash. Wells Fargo staff were made aware of this payment structure when the account was established. On XX/XX/XXXX, we opened an additional business account to manage payments for an upcoming event. This account was created specifically to separate event-related payments from our regular rent collection. On XX/XX/XXXX, Wells Fargo notified us that all of our business accounts, as well as my personal account, had been closed. When we contacted the bank, we were informed that the closures were due to high XXXX activity. However, no specific explanation, documentation, or detailed information was provided. We are extremely concerned about this action for several reasons : The bank was informed from the beginning that XXXX would be used to receive rent payments from multiple agents. The accounts were operating in accordance with the business model disclosed when the accounts were opened. My personal banking account, which has existed since XXXX and is unrelated to the business accounts, was also closed without explanation. Wells Fargo has stated that all funds will be held for approximately XXXX weeks, despite the fact that our business has active financial obligations, including rent and operational expenses. The sudden closure of all accounts without clear justification has caused significant disruption to our business operations and personal financial stability. Additionally, the withholding of our funds prevents us from meeting existing financial commitments. We respectfully request the following : A detailed written explanation for the closure of all accounts. Clarification as to why my personal account was closed despite being unrelated to the business accounts. Information regarding the exact timeline for the release of our funds. Consideration for an expedited release of funds due to our active financial obligations. We have always acted in good faith and disclosed our business operations transparently when opening the accounts. We hope Wells Fargo will review this situation and provide a prompt resolution. Sincerely XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I am filing this complaint regarding Midland Credit Managements continued reporting of an alleged debt that I formally disputed and requested validation for. I previously sent written correspondence disputing this account and requesting validation of the alleged debt. My dispute requested documentation proving the existence of the debt, proof that Midland Credit Management has legal authority to collect, and documentation showing the accuracy of the balance being reported. Midland Credit Management has continued reporting this account to the consumer reporting agencies despite failing to provide proper validation of the alleged debt. Under the Fair Debt Collection Practices Act, when a consumer disputes a debt and requests validation, the debt collector must cease collection activity until proper validation is provided. Reporting a debt to consumer reporting agencies while failing to validate the debt constitutes continued collection activity. Additionally, under the Fair Credit Reporting Act, any company furnishing information to credit reporting agencies must ensure that the information is accurate and must conduct a reasonable investigation when a consumer disputes the information. Midland Credit Management has failed to provide : A copy of the original signed agreement or contract Documentation proving I am legally responsible for the alleged debt Documentation showing Midland Credit Management has legal assignment or ownership of the debt A complete accounting of the alleged balance Despite these failures, Midland Credit Management continues to report the account to the credit bureaus. I believe Midland Credit Management is reporting information that has not been properly verified and has failed to comply with the requirements of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation