vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: CO

Complaint narrative:
I bank with Wells Fargo. Roughly at the end of XXXX, 2025, my debit card was stolen. The theft must have known me because they had access to my pin number to. During the course of XXXX, they proceeded to withdrawal up to XXXX $ USD from my checking account. During this time I was living under duress and was unable to access information regarding my bank account. I didn't think anything was happening until I was able to get myself out of the situation ( at the end of XXXX ) and go to a branch to see that around XXXX $ was moved out of my savings. During the course of XXXX, the thief was able to move massive amounts of money out of my accounts, and on some days visited multiple bank locations and was somehow able to take out maximum withdrawals at each location, far more than I ever have and far more than should be allowed. Wells Fargo never flagged this fraudulent activity, which anyone can see is not the way I handled my money for years with them. I demonstrated years and years of dedicated work, building my savings only to have it drained in about 30 days, and Wells Fargo did nothing to protect me. When I was able to get out of my dire situation, I made a fraud claim with them and they implied that I gave away my card, essentially telling me I got what I deserved for not managing my accounts tighter. My situation was depressing and oppressive, and it took me weeks to get back on my feet, and get my head squared again. When I tried to push the fraud claim again, they chastised me for not making a claim earlier and pushed it through in days, denying my claim yet again. 

To be clear, any forensic accounting will show a demonstratively stark contrast between the way I banked with them for years, and the way my account was drained over 30 days. Any responsible, reputable bank would notice the change and flag the activity. In fact, many banks will flag this type of activity when it happens outside a customers normal banking area. The majority of the fraud that occurred against my account, happened in one town over from where I lived. They did nothing to protect my assets, and then did nothing to help me recover them after the clear signs of fraud are present. Beyond that, they belittled me and treated me like I deserved what happened to me, making and already harrowing situation even worse.

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 2026-01-30 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In XX/XX/year>, I physically returned merchandise in person to a Carters retail store. The store accepted the return but did not provide a receipt. Despite the in-store return, Carters failed to process or transmit the refund to my Carters credit card account issued by Comenity Bank .

Because the refund was not applied, the account remained open and later accrued interest and late fees. As of XXXX, Comenity billed me {$170.00}, a balance that exists solely due to the merchants failure to process the refund. I did not cause or contribute to this error. 

Carters has since acknowledged that a refund is owed and attempted to issue a partial check for {$140.00}, which does not cover the full balance or the fees charged. This does not make me whole and improperly shifts the burden of the merchants error onto me. 

I have attempted to resolve this directly with both Carters and Comenity, but the account remains incorrectly billed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Autovest, L.L.C.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint against XXXX XXXX for unfair, deceptive, and abusive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

Autovest LLC is garnishing my wages at a level that takes most of my disposable income, leaving me unable to meet basic living expenses. This garnishment causes severe financial hardship and appears inconsistent with federal wage garnishment protections under the Consumer Credit Protection Act ( CCPA ), 15 U.S.C. 1673, which limits garnishment to the lesser of 25 % of disposable earnings or the amount by which weekly earnings exceed 30 times the federal minimum wage.

The amount Autovest claims I oweapproximately $ XXXX inaccurate and disputed. I do not owe this amount and am aware that it was reached through added fees, interest, and charges that have not been properly explained or validated. This constitutes a violation of : 15 U.S.C. 1692e ( false, deceptive, or misleading representations regarding the character, amount, or legal status of a debt ), and 15 U.S.C. 1692f ( use of unfair or unconscionable means to collect a debt ).

Autovest has failed to provide clear, itemized, and verifiable documentation substantiating the debt as required under 15 U.S.C. 1692g ( validation of debts ).

Additionally, Autovest is enforcing collection while providing no consideration in return. Despite garnishing my wages, I will not receive the title to the vehicle associated with this alleged debt. This one-sided enforcement further supports a violation of 15 U.S.C. 1692f.

The original creditor, U.S. Auto, later filed for bankruptcy and was known for selling defective vehicles. In my case, the vehicles engine failed after only a few years, rendering it inoperable. This defect directly impacts the legitimacy and enforceability of the underlying obligation Autovest now seeks to collect.

I also question whether Autovest LLC has proper legal standing, including a valid chain of assignment authorizing it to collect this debt. To date, I have not received sufficient proof demonstrating Autovests lawful right to enforce this obligation.

I respectfully request that the CFPB investigate Autovest LLCs conduct, review the legality of the garnishment and debt amount, and require full compliance with federal consumer protection laws.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I attempted on multiple days to contact the company. I called and spoke with an associate named XXXX as well as XXXX XXXX on XX/XX/year> at approximately XXXX XXXX. I attempted to obtain verification of this debt ownership which the company REFUSED to give me. I spoke with multiple associates being transferred and told the company was unable to send any verification to validate personal details regarding account details or personal information associated with this account. 

Company number : XXXX This company Amsher has placed a {$750.00} balance on my credit. The collection was opened 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 2026-01-30 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: PA

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Klarna AB
State: CA

Complaint narrative:
Klarna issued a refund for a XXXX purchase in the amount of {$260.00} but sent the funds to a bank account that was closed prior to the refund attempt. 

XXXX XXXX confirmed verbally and in-branch that the account was closed and can not receive or hold funds, and that no refund was received or posted. XXXX XXXX also confirmed they do not provide written confirmation, letters, mailed notices, or reference numbers for closed accounts beyond a final statement. 

I provided Klarna with my final bank statement showing the closure date and the Acquirer Reference Numbers ( ARNs ) provided by Klarna. Despite this, Klarna continues to claim the bank is in possession of the funds and refuses to trace or reissue the refund unless I provide documentation the bank does not issue. 

I am requesting that Klarna trace the failed settlement and reissue the refund to my Klarna balance or an active payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My complaint is about I C System, located at XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. 
I am writing to formally dispute a debt collection account that has been reported to both my XXXX & XXXX credit profile without my consent and with out a written validation notice sent to me under the Fair Debt Collection Practices Act ( FDCPA ). 1692g ( a ), which a debt collector must send to me in writing by law before such an account is placed on my consumer profile. 

The notice must include : The amount of the debt The name of the current creditor My right to dispute the debt within XXXX days A statement that the debt will be assumed valid only if you dont dispute My right to request the original creditors name This account is inaccurate and violates my consumer rights under multiple consumer laws which I will list below, each violation of my consumer rights will be met with legal action if not removed immediately including statutory damages of {$1000.00}. This debt is not owed, nor do I recognize this debt and have no record of it. This alleged debt is not legally enforceable. You have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ). And you have also not given me a chance to dispute this account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I C System has XXXX authority to furnish anything to reporting agencies without providing any and all disclosures REQUIRED by law, you are in clear violation of CFR 1006.34 ( d ) and 15 USC1681-S2 ( 7 ) ( A ) IC System has engaged in harassing or abusive behavior, such as repeated calls, threats, or false statements, due to this violation of my rights I have experienced hardship both physically and mentally and will be seeking damages if not removed. I request that you investigate this matter and take appropriate action to correct the inaccuracies in my credit report. 
I also request that the debt collector cease all collection activity on this account. My final request is that you furnish the purchase agreement between you and the original creditor.

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 2026-01-30 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
This account was paid and settled on XX/XX/year> reference # XXXX. This account is showing incorrect information and I request that it be removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX, I received a letter telling me that I needed to pay extra money to cover the taxes for XXXX ( XXXX taxes were paid in full with the escrow money ) The mortgage company was asking an additional {$340.00} to cover future taxes for XXXX? My question to them was How can they speculate what the taxes for XXXX would be? no response from them. 
I went ahead and paid the additional {$340.00} XXXX XXXX the money was never credited into the escrow account.The mortgage company can not answer what happened to the check that I sent. I was forced to put a stop payment on the check since the mortgage company either lost it or applied to someone's account. 
My new payment came in few days ago ( XXXX ) and it shows that my new payment went up since my check disappeared or it was credited to another account. 
This particular company has had many issues with money not been credited to proper accounts. They should be investigated and make them fix this and many other issues. 
The internet is full of homeowners that have filed complaints against them. 
Please investigate them. Perhaps your office can help resolve my escrow disappearing.

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 2026-01-30 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: TX

Complaint narrative:
here 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 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Huntington Bank bought XXXX XXXX, so my account was automatically transferred over. I opened my XXXX account digitally, I don't live anywhere near a physical location. I can not access Huntington banks online portal, and prior to this have never had an account with them. They will not provide me access to the online login, or provide me with any account details, or any way to access my funds. They demand the previous account number, which i only have the last XXXX digits of. I don't write down the account numbers, and the previous app I used from XXXX no longer works. 

I have no way to access my funds or the account number. They suggested I go in to a location, but that's a roughly XXXX XXXX XXXX for me which I can not do. 

Ultimately I would like my funds out of this bank, I want nothing to do with Huntington bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist froze my account and will not release my money to 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 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint against the consumer reporting agencies ( Equifax , Experian, and TransUnion ) and the furnishers listed below for furnishing and publishing inaccurate, misleading, and unverifiable late payment reporting in violation of the Fair Credit Reporting Act ( FCRA ) and mandatory XXXX XXXX reporting standards. 

The disputed tradelines include : LATE PAYMENT CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are being reported with materially inconsistent and contradictory delinquency coding. Multiple accounts are listed as closed/paid with {$0.00} balances yet continue to display delinquency history and late payment codes. This is structurally defective and misleading because a satisfied account can not lawfully continue to be furnished with unverified late payment markers without competent documentation supporting each delinquency. In particular, the XXXX mortgage account is reported as closed with a {$0.00} balance while still reflecting severe late payment codes ( XXXX/120 days ), and XXXX XXXX is reported as closed/paid with late codes continuing to publish. 

LATE PAYMENT- EXPERIAN LATE PAYMENT- EQUIFAX Additionally XXXX the XXXX XXXX XXXXXXXX account is reported as open/current with {$0.00} past due, yet simultaneously reflects multiple late payments across reporting periodsan internal contradiction that renders the delinquency data unreliable and materially deceptive. 

LATE PAYMENT- EXPERIAN I previously disputed these late payment entries and demanded lawful verification, including complete payment histories, billing statements, payment application records, contractual schedules, and any evidence supporting the delinquency codes. The bureaus have continued to publish the disputed late payment data without providing competent documentary proof that a reasonable reinvestigation occurred. Any reinvestigation relying on automated furnisher responses instead of a documented human review violates FCRA 611, 15 U.S.C. 1681i.

LATE PAYMENT- EXPERIAN The continued reporting of contradictory late payment information violates : FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ), FCRA 611, 15 U.S.C. 1681i ( reasonable reinvestigation ), and constitutes willful noncompliance when continued after dispute notice under 15 U.S.C. 1681n. 

These inaccurate late payment entries have caused substantial credit damage, denials, and financial harm. The continued publication of unverified delinquency coding is unfair, deceptive, and legally indefensible.

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I applied Citi XXXX XXXX and approved on XX/XX/XXXX. But I haven't received any card and at the same time there are {$290.00} transactions showing on online banking. I chatted with Citibank representative XXXX on XX/XX/XXXX and he help me cancel the card XXXX and arrange a express delivery ( in XXXX days ) for an new card XXXX. I waited for a week and still no card delivered. Also My online banking account is locked - asking me to verify card XXXX which I was told to wait for another XXXX days to receive if deliver successfully. 
So I haven't get any credit card and my online banking is locked. I have no access and visibility on my bank account, bank balance and money 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 monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: IN

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I was frauded and tricked into sending out XXXX payments to people I do not know, it was a XXXX XXXX that claimed to give me a reward but it did not end up happening. That person stole my money and did not want to return it. He was a pretend charity and the money I lost was approximately XXXX or more. Though these were XXXX payments authorized by me, it was a scam and I shouldve gotten it back. I shouldve been reimbursed. I sent out these payments to complete a verification process that was supposed to automatically send me a reward every month but that didnt work. The person kept asking for me to send more money so I realized it was a stupid mistake but now Im in an ordeal and want to get reimbursed.

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