vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A total of XXXX was stolen from my account through unauthorized withdraws transactions from wells Fargo bank. When I reached out to them in XX/XX/year> to complain, they did find solution rather they kept issuing new card because they claimed my debit card was compromised and that helped the thief continue to steal my money. They even somehow opened multiple accounts with my information and was depositing the money they stole from me there. It got so bad that money I saved for my school fees was all taken and on the weekend I called them, they said they will finally close the accounts since giving me multiple debit cards didnt help and when I asked how I can get the last money there to pay my school fees, they said I should take my ID and walk into any wells Fargo branch and they will give me the money in cash because they have closed the account and cancelled all cards. But before the end of that weekend all the money was gone and there was nothing left again for me to collect on Monday. I went to the branch in XXXX graorgia and they walked me out, I went with someone else to and they where rude and dismissive .. they never want to answer the phone to speak with me about the situation and when they did they put me on long hold until the call disconnect. I am a struggling student pls I need my money back.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding a collection account being reported by CREDIT COLL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). I am disputing the accuracy and validity of this account. Upon reviewing my credit reports, I found that this account is being reported with inconsistent and conflicting information across multiple credit bureaus. Specifically, the Date Last Active is reported differently, including a recent date of XX/XX/XXXX on one bureau while another reports XX/XX/XXXX. This raises serious concerns regarding the accuracy of the reporting and suggests possible improper updating or re-aging of the account. Additionally, account comments and reporting details vary across bureaus, further indicating that the information is unreliable and not being reported with maximum accuracy as required under federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was going over my credit report and notice Jefferson Captial had access my credit report without my permisssion. I never received anything from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurate and unvalidated debt being reported in connection with XXXX XXXX XXXX XXXX ( a property that is now closed ). The lease associated with this account was opened on XX/XX/XXXX. However, I never took possession of the unit tied to this lease. I did not move in, occupy the property, or receive any benefit from the lease at any time. Additionally, the lease was taken over and/or reassigned to another party. Despite this, XXXX XXXX or its agents are reporting a broken lease debt under my name. The location closed down and changed companies in late XXXX XXXX. This is inaccurate and misleading. If I never occupied the unit and the lease was reassigned, I should not be held responsible for the full lease obligation. Furthermore, I have not been provided with proper validation of this debt. I am requesting : * Full validation of the alleged debt, including the lease agreement, proof of occupancy, and any reassignment or takeover documentation * A complete accounting of all charges * Immediate correction or removal of this account from my credit reports if they can not substantiate the debt * Reporting a debt under these circumstances may violate the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. * This issue has negatively impacted my credit and ability to obtain housing and credit, and I am requesting immediate correction. * I am seeking a prompt investigation and resolution, including deletion of this account if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays called me on XX/XX/2026 with a suspicious transaction in the amount of {$1800.00} at a XXXX store in XXXX, XXXX. I disputed the transaction as I did not make the purchase and the credit card was in my possession at all times. Barcalys cancelled the credit card. On XX/XX/2026 Barclays declined our dispute stating the transaction was valid as it was an in person sale. I was not notified by Barclays of this decision. On XX/XX/2026 I received an email with a new monthly statement with a charge of {$1800.00} outstanding due XX/XX/2026. I called Barclays on XX/XX/2026 and re-opened the investigation into the fraud charge. But in the mean time, I am still responsible for a payment of {$1800.00} on XX/XX/2026.

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 2026-03-18 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX i was contacted out by avant credit cards about fraudulent charges being made XXXX total XXXX XX/XX/XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX at XXXX XXXXXXXX XXXX XXXX And XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They originally was handling and conducting their investigation, back in XXXX i reached out to them seeing where we were during the investigation they had no information to give me and keep transferring XXXX between customer service and fraud department. Well XX/XX/XXXX i received and email stating that im responsible for the charges when i have time stamps proving my location where abouts ( at work XXXX XXXX XXXX ) during the time of the transaction concurred which is located hours away. I tried contacting them about the situation again and no one can help me and supervisor are not available .. it was charges made on a XXXX XXXX and i dont even own XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Medicredit Inc. has reopened debt collection process of a medical bill supposedly from XX/XX/XXXXXXXX of which a complaint has already been filed with CFPB with ID # XXXX XXXX way back XX/XX/XXXX. On record, Medicredit , Inc. withdrew the collection process by XX/XX/XXXXXXXX on the basis of documentation provided as to lack of authenticity of the claim. A detailed transcript was also submitted along with the original complaint. on XX/XX/XXXX. Some of the highlights of this complaint was : ( XXXX ) XXXX XXXX XXXX my health insurance company ) has confirmed that no such claim was submitted to them for that specific service date, ( XXXX XXXX XXXX XXXX XXXX Specialists of XXXX XXXX ( CFPB Complaint ID XXXX ) who provided the service told XXXX XXXX that they filed the claim to another insurance company, the name of which they could not disclose (! ). Thus, a HIPAA violation notation was requested to be placed on my health records. XXXXXXXX XXXX has confirmed that this was recorded in the communication log records. ( 3 ) A Financial Aid Application has been submitted of which no decision has been made to this date. Several communications through phone calls and emails have taken place to resolve the issue, but Medicredit , Inc has repeatedly sent bills to this date. Due to the bulk of recorded communications, only a partial attachment is included in this new complaint about exactly the same problematic bill that should have been resolved about 2 years ago had XXXXXXXX XXXX XXXXXXXX Specialists of NT sent a decision letter for the Financial Aid Application and had a correct insurance adjusted amount had been billed as per legitimate XXXX XXXX claim had been filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
I received a check amounting to {$750.00} from a job offer scam and deposited it into my SoFi account on XX/XX/year>. Upon realizing that it was fraudulent, on XX/XX/year>, I called SoFi to warn them and asked them not to process the check, and they assured me that they will hold the check, and they will not process it, and that it will not affect my balance in anyway. On XX/XX/year> I realized that this amount had been deducted from my account. I immediately called XXXX for an explanation which they failed to provide. They said I should contact the scammers and tell them to bring back my money. Im requesting an immediate fraud investigation, reversal effort and reimbursement of these funds and a written explanation of why the transaction proceeded after I reported the check as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account reported by MoneyLion on my credit report. I recently discovered this account, which I did not authorize, was opened by my ex-boyfriend without my knowledge or consent. I am requesting immediate investigation and removal of this account from my credit file. Despite contacting MoneyLion, they have refused to remove the account or provide me with any option to pay or settle it. This account is unauthorized, and its presence on my credit report is negatively affecting my credit score. I am requesting that the CFPB : 1. Investigate MoneyLions handling of this unauthorized account. 2. Require MoneyLion to remove this account from my credit report immediately. 3. Ensure that my credit report reflects accurate, authorized accounts only. This account was fraudulently opened in my name without my consent, and MoneyLions refusal to remove it is unfair, inaccurate, and in violation of the Fair Credit Reporting Act ( FCRA ). I expect prompt action to correct this matter. I am willing to resolve this because its negatively impacting my life and credit! Thank you for your attention and assistance. Sincerely, XXXX XXXX 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX, XXXX ( XXXX ) collected a mortgage payment for a property at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/year>, AmeriHome Mortgage Company , LLC ( AmeriHome ) collected a mortgage payment for the same property. XXXX claims in their notice of transfer and in correspondence that the mortgage would not be transferred to AmeriHome until XX/XX/XXXX and that we were correct to pay them. AmeriHome claims in their notice of transfer and in correspondence that the mortgage transferred to AmeriHome on XX/XX/XXXX and that we were correct to pay them. I have called and emailed both companies. Each insists that I should work to recover my undue payment from the other, as they were entitled to payment on XX/XX/year>. We are obliged to pay our mortgage once each month ; it is unacceptable that XXXX companies collected payment from us. Despite requesting restitution, both companies have retained the mortgage payment they collected for XXXX, XXXX and AmeriHome, our current mortgage lender, has informed us that payment is due to them on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC
State: AZ

Complaint narrative:
I am filing a complaint regarding my auto loan account due to an incorrect balance and misapplication of payments. Up until XX/XX/year>, all my payments were made on time every 15 days for {$280.00}. In XX/XX/year>, there are three payments recorded : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/year>, XXXX went through a bankruptcy process. Before and during that time, incorrect charges were added to my account as if I had insurance through them, which I never had. My insurance has always been with XXXX XXXX. Because of these incorrect charges, the amount I was being asked to pay was higher than my actual car payment, which prevented me from making the payment. I attempted to contact the company multiple times during that period, but no one answered the phone. On XX/XX/year>, I was finally able to speak with an agent. I explained the situation and made a payment of {$840.00}. This payment was intended to cover the two missed payments from XXXX and the upcoming payment due on XX/XX/XXXX. The agent confirmed that I could make all three payments at once, and I agreed. After that, I resumed making my regular biweekly payments and have continued doing so consistently until now. However, the company claims that my account has been past due since XX/XX/year>, which is incorrect. Their own payment records show multiple payments in XXXX and do not identify any specific unpaid date. I have contacted the company multiple times over several months requesting clarification, but they have failed to provide a clear explanation. They have not identified any specific unpaid date, nor have they explained how the current balance of approximately {$780.00} was calculated. I am requesting a full accounting review of my account, correction of any misapplied payments, and a written explanation identifying the exact date of any alleged missed payment

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year> I spent {$730.00} at XXXX through the PayPal Offers portal which was offering 4 % cash back. This transaction never credited even though I followed all terms and conditions ( purchased through their portal and used PayPal at checkout ). I first reached out via PayPal chat on XX/XX/XXXX and they told me to email them if the points were not pending 14 days after purchase, which I did on XX/XX/year>. I provided them with proof of payment by providing the invoice and a screenshot of the offer. PayPalXXXX XXXX not respond until XX/XX/year> and spent two weeks " investigating '' before saying they wouldn't provide the missing XXXX PayPal rewards points and couldn't provide an explanation of why the credit didn't post outside of " our fraud algorithm must have denied it ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Synchrony Credit card for XXXX 's Ongoing late fees and charges for an account that I paid the bill in XX/XX/year>. It was asked at that time to remove some of those late fees and I would pay the new amount and to have my account closed afterwards. Payment was made and accepted. Within the next few days, I received notification for finance charges at 26.99 %. XXXX I reached out to Synchrony once again to ask that this be removed and that my account be closed. They stated they would put this in for recommendation. Nothing changed and I continue to receive late fees and charges on this card. My new balance is {$260.00}. This is all due to late fees and charges. The credit card had not been used since XX/XX/year>. I am seeking correction on this charges, the charges removed and the account closed.

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 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation