vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 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: Klarna AB
State: NC

Complaint narrative:
XX/XX/XXXX I made a purchase through XXXX from the merchant XXXX. I chose Klarna as my payment option. Klarna issued a payment XX/XX/XXXX at XXXX XXXX  for the amount of {$56.00}. XXXX delivered it at XXXX XXXX. I immediately returned it to the merchant XXXX and they gave me a refund on the original payment ending in card number XXXX. I did not issue the merchant any payment. It was XXXX or Klarna. I made a dispute with both XXXX and Klarna and got no help. I had my receipts from the merchant and I sent it to XXXX and Klarna still not help. Im paying for an item I returned and I have never heard of this card number. I need help in finding where the refund is. 
This is from Klarna : Dear XXXX XXXX, Case number : XXXX Thank you for your patience while we looked into your complaint. We understand that your complaint is regarding not receiving your refund for your order with XXXX. I understand this situation can be frustrating and I am here to assist you. 

On XX/XX/XXXX, XXXX informed us that they did not issue a refund for the order. After reviewing the return receipt provided, I can see that the refund was issued by XXXX. We have not received any refund from XXXX to an order on your account. Klarna has to receive a refund from the merchant before Klarna can trigger the refund back to you. Once the refund is processed to the order, any refund owed back to you will then be automatically issued. We recommend reaching out to the merchant directly to confirm that a refund will be issued. Please note, Klarna is subject to the merchant 's policies, as they are responsible for the handling of the order. Klarna can not override the merchant 's decision to issue or not issue a refund. 

Klarna values you as a customer. I hope this information is helpful to you and wish you a nice day. 

Kind regards, XXXX Service Specialist Service Center Klarna INC image XXXX has two email addresses for me : XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I've been receiving phone calls for over a year from callers, stating different names of several different payday loan companies for a XXXX dollar pay day loan debt. I checked my credit reports and nobody accessed my credit to approve a loan, so I thought it was a scam. I was also suspicious because the payday loan company name chain changed several different times with the different phone calls. Once it turned to a so called creditor i was able to look up and address which turned out to be a storage unit in XXXX XXXX state. They are now trying to collect XXXX XXXX and XXXX XXXX dollars.And it is showing up on my credit report. I had excellent credit until yesterday, and my credit score dropped XXXX points thanks to this fraud. I would like to have this matter absolved once and for all. I already reached out to the fraud department for the state of XXXX. They were of no help, they didn't even respond to my report. 
I HAVE A CREDIT FREEZE IN PLACE THROUGH ALL THREE CREDIT REPORTING COMPANIES. 
I also dealt with identity theft in XXXX with XXXX bank. 3 accounts were opened in my name. XXXX absolved those issues on their end Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am filing another report following report # XXXX SUBMITTED ON XX/XX/year> This case is not closed. Not by a long shot. Any documents stating I agreed to ANY deferment is completely forged or false. I have NEVER had deferment the life of my car loan. Period.

I absolutely did not apply for ANY deferment during COVID. They kept very rudely pushing me to take it and I told them to stop! I NEVER went on deferment and I have evidence of this in the photos I provided! I paid every month on time! As it is even shown on the XXXX XXXX screenshot. So for them to sit there and claim otherwise when I know for a fact they kept pushing both me and my cosigner repeatedly for this program and we both said no they are LYING. This is one of the MANY acts of fraud that have taken place and they KEEP lying to me with no signatures or proof of me agreeing and frankly it is beyond disgusting and infuriating. They will do anything to extend the life of the loan and almost ALL my payments even though they were automatic were CONSTANTLY and WRONGLY sent back when funds WERE in-fact available at time of payment but this company loved taking payments out sometimes an entire week early or an entire week late. They have been absolutely terrible and they NEVER notify me of issues with payment. Every. Single. Time. When I have called? I update my information. Because it is NEVER corrected or right. The last time I called they claimed they didnt even have my phone number or address and had my employer from almost 3 years ago. Their entire accounting department is appalling and not one payment has been done correctly without constant contact and monitoring KNOWING it is going to be done incorrectly. Unless this is ACTUALLY resolved I WILL take this court. Mark my words. Every payment has been on time. They have crossed the line so many times and done so much unethical behavior that there is absolutely no way I am letting this slide. This is not my first, second, or third report on them. This behavior is not new. It has been a long and systematic process of wrongful and illegally keeping me under their thumb! My car was to be paid off LAST YEAR and because of their disgusting tactics I still magically somehow owe thousands. What they have done is beyond obvious to myself, my cosigner, and anyone viewing the basic facts. I demand this fixed and this disgusting behavior end. Now! I demand this be corrected or I will also be filing a report with the police and make XXXX sure the FBI open an investigation. These sleazy tactics end today. My car would already be paid for if it were not for BLATANT lies and DECEIT. ENOUGH!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FORMAL CFPB COMPLAINT LETTER Re : Inaccurate Reporting by XXXX Account Number : XXXX Furnisher : XXXX XXXX XXXX XXXXXXXX ) Bureau : Experian Report Date : XX/XX/XXXX To Whom It May Concern, I am submitting this complaint regarding inaccurate and incomplete reporting by XXXX XXXX XXXX XXXX ) for the account XXXX, number XXXX, as shown on my Experian credit report. The reporting contains missing data, inconsistent delinquency history, and unverifiable information, and remains uncorrected despite a reinvestigation. 
Summary of Inaccurate Reporting 1. Missing Required Account Information The XXXX  report shows : Balance : Balance Updated : Recent Payment : Monthly Payment : These fields are required under Metro 2 standards and FCRA 1681e ( b ). A furnisher can not report a negative account while omitting the balance, payment history details, or last payment information. 
This makes the tradeline incomplete and unverifiable. 
2. Delinquency Timeline Is Inconsistent and Unsupported The payment history shows : 150 days past due XXXX XXXX 120 days past due XXXX XXXX 90 days past due XXXX XXXX 60 days past due XXXX XXXX 30 days past due XX/XX/XXXX However : No balance is reported for any month No past due amount is shown No scheduled payments are listed No payment amounts are provided No balance history exists to support the delinquency progression A creditor can not report a XXXX day delinquency sequence without reporting : The balance owed The past due amount The scheduled payment The date of last payment This makes the delinquency timeline unverifiable. 
3. Status Reporting Is Incomplete The account shows : Status : Paid in settlement Status Updated : XX/XX/XXXX Yet : No settlement amount is listed No final balance is shown No date of last payment is provided No charge off or settlement details appear in the balance history This violates FCRA accuracy and completeness requirements. 
4. Reinvestigation Failed to Correct Errors Experian notes : This item was updated from our processing of your dispute in XX/XX/XXXX. 
Despite this, the account still contains : Missing balance Missing payment data Missing past due amounts Unsupported delinquency sequence This indicates the reinvestigation was not reasonable, violating FCRA 1681i ( a ).

Applicable FCRA Violations FCRA 1681e ( b ) failure to maintain maximum possible accuracy FCRA 1681i ( a ) failure to correct inaccurate information after dispute FCRA 1681s 2 ( a ) ( 1 ) ( A ) furnishing information known or reasonably expected to be inaccurate FCRA 1681s 2 ( b ) failure to conduct a reasonable investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am submitting this complaint regarding inaccurate delinquency reporting by Regions Bank on a closed credit card account. 

In XX/XX/year>, a small balance of approximately {$30.00} remained on my Regions credit card ( out of roughly {$3000.00} available credit ). I attempted payment via ACH from my external bank ; however, multiple ACH payment attempts failed without any notification to me. I was never alerted that these payments were rejected, nor was I informed that my account would be closed. I only became aware of the issue after discovering the delinquency, at which point I immediately paid the outstanding balance of {$30.00}, which Regions accepted. Due to the account closure, I was unable to pay online and had to complete payment by phone. 

Despite prompt repayment upon discovery and a long history of on-time payments, Regions closed the account without notice and reported both 30-day and 60-day delinquencies to the credit bureaus. These late marks appear to have resulted from unsuccessful ACH transactions that were never communicated to me, preventing me from correcting the issue earlier. 

I contacted Regions directly and opened an internal review case ( Case # XXXX ). After follow-up, I was informed that no goodwill adjustment would be made and was instructed to dispute directly with the credit bureaus instead. As a result, I have exhausted Regions internal resolution process. 

Given the lack of payment failure notifications, the absence of any account closure notice, the minimal balance involved, my immediate good-faith repayment once the issue was discovered, and my otherwise excellent payment history, I respectfully request that Regions Bank remove the reported 30-day and 60-day late payments as a goodwill and accuracy-based correction. This reporting is causing immediate and material harm to my credit profile and may negatively impact my upcoming mortgage application later this year, despite my long-standing responsible credit behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
CREDIT COLLECTINS CONTACTED ME ABOUT 3 INSURANCE DEBTS THAT ARE NOT 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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
MED DATA SYS is falsely reporting on my credit. I have never had any accounts with them. Per my research MED DATA SYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Abrahamsen Gindin LLC
State: NY

Complaint narrative:
This law firm collection company has authorized my bank to size my money on my chase bank account which I used to pay bills and provide for my family needs.

1st Previously spoken with this company, I told them that I never had a chance in a court and I have never been served properly to have a fair trial about this collection 2nd this company sent to the bank two different charges and the bank overdraft my account illegally without my consent. Now I have in my bank account. Check pictures a double overdraft for the amount that I owned to to the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Around XX/XX/XXXX I had several thousands of dollars stolen from my account through XXXX XXXX immediately upon realizing I called Wells Fargo to let them know these transactions weee unauthorized the device that these transactions were made from was stolen from me & I also let them know that so on XX/XX/XXXX I was credited my funds back into my account which also resulted in my own XXXX cash account being locked which was fine since they returned my funds today XX/XX/XXXX they reversed the funds and now my account is negative once again I had XXXX acknowledgement of these transactions being made and couldnt have made them due to the fact I didnt have a cellular device at the time of the transactions I www in a completely different city also I need my funds replaced I have children to take care of and a mountain of bills to pay I had NOTHING to do with any of these transactions and shouldnt be held liable for the funds being stolen from me they also only reversed certain transactions from this claim & not all which is insane to me they all took place on the same days

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: GA

Complaint narrative:
I have a women named XXXX XXXX XXXX calling everyone I know about a 'debt " I owe. She is wildly harassing. She has called neighbors, friends, family, employers. It is crazy. I have picked up and asked them to stop and to mail me information on the debt and they do not stop harassing everyone I know. Please help. They have called from XXXX and given people I know the number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: United Group Inc.
State: OR

Complaint narrative:
I purchased a {$10000.00} XXXX  XXXX XXXX four-wheel-drive four-cylinder it was bought with mechanical problems a lemon from the start. The car salesman said there was no mechanical issues and there were no problems with this car. He then committed contractual fraud and sold me a limit car this is against the law in all XXXX states in the United States. I contacted the bank to notify them. They said that theyve been working with this guy for XXXX  years and theyre not gon na change this car lot has had multiple issues of selling women vehicles and has been sued by multiple customers. this was illegal. I want this loan canceled and I want the down payment I issued for this vehicle in the amount of {$3000.00} to be returned to me. The car lot has admitted that there is a mechanical problem has sent it to a shop. He has a contract with. Thats all they wan na do is change the fluids in the vehicle. They will not fix the problem. I am now contacting attorneys and I am filing suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a collection account being reported by CREDIT COLLECTION SERVICES. I have no knowledge of this account and do not acknowledge any debt owed to this entity. I have not received any documentation or communication validating this alleged account, nor have I had any direct relationship with your agency. The continued presence or attempted collection of this unverified tradeline is a direct violation of my rights under multiple federal laws. Both your company and any credit reporting agencies sharing this information are failing to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1681e ( b ) Credit reporting entities must follow reasonable procedures to ensure maximum possible accuracy. Reporting unverifiable information violates this requirement. 15 U.S.C. 1681i ( a ) A credit bureau must delete any unverified or inaccurate information upon reinvestigation. The same obligation to ensure accuracy applies whether or not a formal dispute has occurred. 15 U.S.C. 1681s-2 ( b ) A data furnisher must investigate and correct or delete any disputed or unverifiable account. 15 U.S.C. 1692g ( a ) Debt collectors are required to provide a written validation notice within five days of initial contact. I have never received this. 15 U.S.C. 1692c Debt collectors are prohibited from making unauthorized or unlawful communication without full legal notice and validation. This account is being reported and collected without my consent, without proper verification, and in clear violation of federal law. You are now on notice that I formally dispute and demand permanent deletion of this account from all internal records and consumer reporting databases. I require full investigation, written findings, and confirmation of deletion. Failure to comply promptly and lawfully will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office, along with consideration of legal action under 15 U.S.C. 1692k. Sincerely, XXXX XXXX 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 2026-02-12 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am a long-time customer of TD Bank . I never in all the years I have been with TD filed a dispute ; nor have I every filed a dispute in my banking history. 

TD Bank sided with the merchant XXXX XXXX  location : XXXX XXXX XXXX, XXXX, SC XXXX ; contact # ( XXXX ) XXXX. 

On XX/XX/XXXX my daughter and I went to the above named establishment. We were treated very poorly with great disrespect from an all male wait staff ( manager, waiter, hostess ). We were charged {$200.00} for a Ribeye steak after the smallest steak on their menu was requested. They proceeded to serve a 39 ounce steak to 2 small women and one who was a known vegetarian ( this was disclosed to the wait staff prior to our ordering ). This was misrepresentation from XXXX restaurant that they did not disclose the astronomically large steak ( 39 ounces ) that could feed at least a party of 4.

I attempted to rectify this with the manager and was asked to leave the restaurant. To avoid conflict I paid the restaurant and left immediately. I felt threatened and unsafe in this situation.

I truly feel this was discrimination against 2 women in the deep south and I am appalled that TD Bank die not side in my favor. I am considering legal counsel for sexism against TD Bank as well as XXXX XXXX. 

Total price being disputed : {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I am submitting this complaint regarding a Western Union money transfer of USD XXXX, initiated on XX/XX/year>, with Tracking Number ( MTCN ) XXXX. 

The transfer was not delivered to the intended receiver. On XX/XX/year>, I contacted Western Union customer care at approximately XXXX XXXX  ET and again at XXXX XXXX  ET. During both calls, representatives confirmed the following : The transfer was cancelled A refund was processed The refund amount was confirmed The original agent location and MTCN ( XXXX ) were verified This issue is associated with Case Number : XXXX. 

Despite being informed that the refund has been processed, I have not been provided with a new tracking ( MTCN ) number required to pick up the refund at a Western Union agent location. Without this information, I am unable to access my funds. 

The delay in issuing the refund tracking number is causing financial inconvenience, as these funds are time-sensitive. 

I respectfully request that Western Union : Provide the new MTCN number immediately so I can collect my refund, or I am prepared to provide any additional identification or documentation required to complete the process. 

I request prompt resolution of this matter.

Company response to consumer: Closed with explanation