vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: OK

Complaint narrative:
I did not own my brother debt and I told them that. My brother signed his own part I never signed for my brother or both of us so I dont know why the put is debt to my name. The debt actually has is name no mine. And second I pause my membership I dont know why you were charging me the same amount every month as it was active. You have my brother name email and contact information. And for my I dont recognize this debt and where is coming from. I am writing to formally file a complaint regarding your collection efforts for the alleged debt referenced. Your recent communications have caused concern. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you : 1. Provide written validation of the alleged debt. 2. Cease any further communication until proper validation is provided. If these practices continue without resolution, I will consider reporting this matter to the Consumer Financial Protection Bureau and my State Attorney General. Please confirm in writing that you have received this complaint and outline the steps you will take to address it. Sincerely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synergetic Communication Inc
State: FL

Complaint narrative:
Syncomcorp, the collection agency, is harassing me for payment of {$2000.00} for dental work performed by XXXX XXXX XXXX in XXXX. The dental practice was since purchased by XXXX XXXX XXXX. Please note that I was insured by XXXX XXXX XXXX all dates of service and insurance payments and my copays were made on a timely basis. XXXX XXXX XXXX asserts that they filed claims for all work done. However, XXXX states that no claims were submitted after XX/XX/XXXX. XXXX suggests that the claims for XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be submitted NOW for review. As the attached documentation will demonstrate : I have spoken and emailed with XXXX XXXX on many occasions in a good faith effort to resolve this matter. XXXX XXXX no longer responds to my phone calls or emails. In fact, XXXX has tried to reach XXXX XXXX to help them submit any outstanding claims. No response. XXXX has also contacted the collection agency to explain that XXXX XXXX should submit the outstanding claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: OR

Complaint narrative:
A collection account is currently listed on my credit report without proper verification. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt ; however, the creditor or collection agency has not provided any credible documentation proving that the debt is mine, that the balance is accurate, or that they are legally authorized to collect it. Despite the absence of proper validation, this account continues to be reported on my credit file. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all reported information must be accurate and verifiable. Reporting a debt that has not been validated is both misleading and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased an item from XXXX XXXX using Affirm as my payment method. The item was shipped via XXXX and was marked as delivered, however I never received the package. I was out of town during the delivery weekend and received no delivery notification from either XXXX or XXXX XXXX. The package was left unattended next to my mailbox and was stolen. I have video footage clearly showing the package being stolen from outside my residence. I filed a police report documenting the theft. I contacted XXXX XXXX regarding the situation and they refused to issue a refund or reship the item, citing that XXXX had marked the package as delivered. I then opened a dispute with Affirm, as I am being asked to make payments on an item I never received. I submitted all of the following evidence to Affirm : Video footage showing the theft occurring : A copy of the police report Screenshots of my communications with XXXX XXXX Screenshots of my communications with Affirm Despite submitting this evidence, Affirm continued to request more documentation repeatedly. After approximately XXXX week, Affirm closed the dispute and ruled in the merchant 's favor. I am now being asked to make payments on an item I never received, never had possession of, and that was visibly stolen on camera before I could retrieve it. I believe Affirm 's decision is unfair and deceptive. Ruling against a consumer who has provided video evidence of theft and a police report, while siding with a merchant who provided no evidence, constitutes an unfair practice. I am requesting that Affirm cancel the remaining payment plan balance in full and close the account with no negative impact to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MO

Complaint narrative:
The Violation : I am a XXXX resident and the Trustee of a recorded Trust. The debt collector, Hunter Warfield , Inc., is engaging in " Address Laundering '' by manually reporting a world-famous XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX as my personal residential domicile to XXXX. Legal Fact Patterns : FDCPA Violation ( 15 U.S.C. 1692e ) : The company is using deceptive and false representations. Reporting a commercial mail-slot ( Suite R ) that houses over 200,000 business entities as a " residence '' is a per se false statement. FCRA Violation ( 15 U.S.C. 1681s-2 ) : As a furnisher, Hunter Warfield has a duty to report accurate data. They have " actual knowledge '' that this is a business address ( via my Trust filings ), yet they purposefully reported it as a home to bypass XXXX XXXX XXXXXXXX XXXX XXXX XXXX Criminal Statute ( XXXX XXXX ) : I have initiated a criminal referral to the XXXX XXXX XXXX Police regarding Filing False Documents ( Class D Felony ). The company manually entered a " XXXX XXXX '' designation to mimic an apartment unit in a commercial office building with the intent to defraud. XXXX Non-Compliance : XXXX has refused to investigate this known CMRA, claiming a " creditor link '' overrides the law. Under 15 U.S.C. 1681i, the bureau has an independent duty to verify the accuracy of the data it publishes. They are knowingly publishing a fraudulent domicile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I tried to withdraw my money multiple times and they keep giving me vague answers as to why they keep denying it. I need my money and they wont understand that. XX/XX/year> - I asked them to close my account and I asked them to send me a check and they denied it because my account is too new and when I asked them they said it was already going through. XX/XX/year>- they said they had to verify that my funding account was closed in order to send me my money to my new external bank account and they already did the three way call, not once but multiple times and still denied it. They also said my money was already in transit and still denied it. XX/XX/year>- they verified my money is in transit and they still denied it after the given days passed. Same thing for the XXXX and the XXXX. I also had multiple calls with them where they verified my information and denied everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank charged a {$400.00} annual fee for my XXXX XXXX card but failed to provide access to the account from XX/XX/XXXX to XX/XX/XXXX, due to a technical lockout. During this XXXX period, I made multiple attempts and spent hours speaking with U.S. Bank representatives and supervisors in different departmentsfrom Member Services to Online Servicesto resolve the issue, but they could not restore access until today, XX/XX/XXXX. Crucially, as of XX/XX/XXXX, U.S. Bank changed its policy so that the {$320.00} annual travel credit can only be earned on purchases made directly through the U.S. Bank XXXX XXXX. Because my account was XXXX and I was barred from accessing the portal for nearly XXXX months, I was physically blocked from the only mechanism available to claim the credit I paid for. Because of this lockout, I suffered the following losses : XXXX. XXXX of XXXX XXXX : My {$320.00} annual travel credit expired on XX/XX/XXXX, while I was still barred from the travel portal. XXXX. Loss of Access : I was unable to use my points, portal benefits, or mobile wallet features for nearly 40 % of the membership year. I spoke with multiple representatives and supervisors today, but they stated they do not have an option to refund the membership fee. Furthermore, they informed me that U.S. Bank no longer prov ides a secure messaging system for digital complaints and refused to provide an email for the Executive Communications office. I am requesting a full refund of the {$400.00} fee for the XXXX period. The bank 's technical failure and subsequent policy change created a situation where I was charged for a service that the bank made it impossible for me to use

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> {$100.00} charge was made card was lot had to get a new one and disputed transaction XXXX to the bank it was not fraud because the card was a chance my digital wallet and I didnt lose my phone so its not fraud even though the transaction clearly shows that the card was swiped not digital wallet you can tell if it was a digital wallet transaction or if the actual card was swiped The bank provided a temporary credit, then took the temporary credit back, which sent my account in overdraft.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I called them & asked to provide proof that I legally gave them consent to have them report on my report. Therefore they could not give me proof of that consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CO

Complaint narrative:
I am requesting assistance regarding an unresolved refund owed to me by MOHELA in the amount of approximately {$1700.00} due to an overpayment on my federal student loans. I identified the overpayment and requested a refund from MOHELA when my loans were indicated that they were paid on XX/XX/2025. Since that time, I have made multiple attempts to obtain updates on the status of the refund, but have not received a clear timeline, confirmation of processing, or a disbursement date. Responses from MOHELA have been vague and inconsistent, and the refund has not been issued. As of today, it has been approximately 11 months since my initial request, which exceeds a reasonable processing timeframe for a refund of this nature. I am concerned about the lack of transparency and the continued delay in returning funds that are rightfully mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XX/XX/year> To Whom It May Concern, I am writing this letter to reopen the above case. I reported the fraud immediately after it took place and the Wells Fargo Employee assured me I would receive my money back. I am a seventy-eight year old woman who had sent a zelle the night before on the XXXX to a service. It was not received so on the XXXX I resent it to the service. I also purchased a new phone on the XXXX and went into the T-Mobile store again on the morning of the XXXX because I could not get into the Wells Fargo XXXX XXXX A XXXX named XXXX helped me who was of XXXX descent and the scammers called XXXX hours later and they were XXXX descent. The T-Mobile store is located in XXXX XXXX XXXX XXXX XXXX XXXX Nv. Around XXXX I received a call ( please see pictures below ) and a lady came on the line and stated she was from Wells Fargo and did I know a lady named XXXX XXXX from New Jersey. She is trying to take {$8000.00} out of your account. I replied I did not know her and then they said we need to transfer you to our XXXX who will help you. He introduced himself and said the only way you can get your XXXX back is you ( XXXX XXXX ) has to request it I. The XXXX will walk you through it. They became disconnected but he called me back minutes later ( see below picture ). He asked if I could do it by phone and I said I would have to do it by computer. He put me on hold and wanted to get approval by computer. He got approval. He told me to start with {$3700.00} and then we would do this in increments so I could get proper credit. We went step by step and in the sent XXXX it had my name XXXX XXXX XXXX so I thought I was credited. Then he walked me through it again but the Wells Fargo system locked and prevented me from getting credit for another {$2000.00}. The scammer apologized and told me no problem, we will call you back in the morning. I was told not to use my account until I spoke with them the next day, approximately XXXX hours. I then called a friend who told me even though they told you you were being credited as a scam and called Wells Fargo Fraud line ASAP. I called Wells Fargo Fraud line and he said it was a scam and the two telephone numbers did not belong to Wells Fargo. He also said this has happened many times before and I would receive my money back. PLEASE listen to your own recordings. I offered to have email accounts with the scammers names and the Wells Fargo employee said he didnt need them because they were all fraudulent. It really doesnt matter that I used a secure computer, I was scammed and this is senior fraud. Wells Fargo must have a policy to help the elderly. Please help me,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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 formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: TX

Complaint narrative:
On or about XX/XX/XXXX, I contacted both Bull City Financial Solutions and XXXX XXXX regarding the alleged debt. During this initial communication, Bull City Financial Solutions advised that they did not possess any documentation supporting the debt and directed me to contact XXXX XXXX directly. Upon contacting XXXX XXXX, I was informed that they were unable to provide the requested billing documentation due to a system update that occurred around XXXX. However, they stated they would send any available records to my email address. This email was never received and no records were obtained. On XX/XX/XXXX, I again contacted both parties in an effort to obtain verification. Bull City Financial Solutions refused to provide any documentation unless I supplied updated personal information, including my current mailing address. After escalating the matter to a supervisor, I was again informed that they do not currently possess any documentation and would need to obtain it from XXXX XXXX, confirming that the debt remains unverified. I subsequently contacted XXXX XXXX on XXXX separate occasions that same day. During the first call, I was advised that they were unable to provide documentation and referred me back to the collection agency. During the second call, I was informed that their legacy department was contacted in an attempt to reconstruct the billing record. However, I was ultimately advised that XXXX XXXX is no longer actively pursuing collection of this alleged debt, although they would accept payment if voluntarily submitted. Following these communications, I contacted Bull City Financial Solutions a third time. During this interaction, I was informed that the account may not have been appropriate for credit reporting, particularly in light of my XXXX XXXX military status at the time the account was allegedly incurred, and potential applicability of the Servicemembers Civil Relief Act. Despite multiple attempts to obtain verification from both the original creditor and the collection agency, no documentation has been provided to substantiate the validity or accuracy of this alleged debt. Additionally, I have disputed this account with XXXX on XXXX separate occasions. On both occasions, the account was removed following investigation ; however, it has since been re-reported, continuing to appear on my credit file without verified supporting documentation. Given the repeated inability of both parties to produce evidence of the debt, and the continued re-reporting of unverifiable information, the accuracy and legitimacy of this account remain in serious question.

Company response to consumer: Closed with explanation