vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: SC

Complaint narrative:
I recently disputed this debt back in XX/XX/year> they closed the dispute without providing me with any documentation and then I tried to call to settle the debt and they were very rude and refused to give me a receipt for payment

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: TX

Complaint narrative:
I am disputing a collection account being reported by Jefferson Capital Systems. This account is being reported with conflicting and inconsistent information across multiple credit bureaus, including different balances, account numbers, and dates opened. These discrepancies call into question the validity of the account entirely. I do not recall entering into any agreement with Jefferson Capital Systems and have not been provided with proper validation of this alleged debt. Under the FCRA and FDCPA, I am requesting full validation of this account, including : * Original signed agreement * Complete payment history * Chain of assignment from the original creditor * Proof of legal right to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
I have a Cash App account. I use it for receiving money and sending money. I have rental property and my renters XXXX via CashApp and I have employees that I pay via Cash app CashApp close my account so that I violated terms and conditions. Ive repeatedly asked them to please specify the terms and conditions that I violated give me the reason for closing my account and they refuse to do it. Ive appealed it two or three times and I get the same response every time.

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: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I scheduled a payment to my Citi credit card from my bank account. The payment was returned for insufficient funds. After the failed attempt, Citi initiated additional debit attempts. During this process, I contacted Citi via online chat and explicitly revoked authorization for any further ACH debits and requested that no additional attempts be made. During that same interaction, I was told by a Citi representative that the payment had already posted and therefore could not be stopped. This statement was incorrect. The payment had not actually settled and was later reversed due to insufficient funds. Because I was told the payment had already posted, I was led to believe no further action could be taken. Despite my explicit request to stop further debits, Citi initiated another ACH debit attempt after I revoked authorization. Additionally, I received a separate communication from Citis executive response unit again stating that the payment had posted, which was also incorrect. As a result of these actions : I was provided inaccurate and misleading information about the status of my payment. I was prevented from taking action to stop further debit attempts based on that misinformation. Citi proceeded with additional debit attempts after my revocation of authorization. A returned payment fee was assessed.

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 — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: OH

Complaint narrative:
I made a payment to Eastern Account SystemdXXXX XX/XX/year> in the amount of {$280.00}. This debt is still displaying as a collection on my XXXX account in the amount of {$280.00}. It has been removed from the other XXXX credit bureaus. I tried to dispute it but XXXX will not let me.

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: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint against Wells Fargo regarding my credit card account. On XX/XX/XXXX, I made a payment of {$84.00} from my XXXX XXXX XXXX checking account ( ending in XXXX ) to my Wells Fargo credit card. I have official bank statements confirming that this payment was successfully processed. At the time of the payment, my Wells Fargo account was restricted due to a request related to an XXXX declaration. Despite this, the payment was sent and completed from my XXXX XXXXXXXX XXXX account. Later, on XX/XX/XXXX, Wells Fargo automatically reopened my account. However, my payment from XX/XX/XXXX was never properly credited to my account. As a result, Wells Fargo incorrectly marked my account as past due and charged me late fees. I have contacted Wells Fargo multiple times by phone and visited a branch in person twice. During one of my visits, a Wells Fargo employee faxed my XXXX XXXX XXXX statement as proof of payment. Despite providing clear documentation, the issue remains unresolved. Furthermore, my account has recently been restricted again without a clear explanation. As a result of Wells Fargos failure to properly apply my payment, I have been unfairly charged fees and my credit report has been negatively impacted. I am requesting the following actions : 1. Immediate investigation and proper application of my {$84.00} payment made on XX/XX/XXXX 2. Removal of all late fees, penalties, and past due status associated with this error 3. Correction of any negative information reported to credit bureaus related to this issue 4. A written explanation regarding why my account was repeatedly restricted 5. Confirmation that this issue will not continue in the future This situation has caused financial harm and damage to my credit standing, and I expect a prompt and thorough resolution. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Army and Air Force Exchange Service
State: IL

Complaint narrative:
I had a credit card consolidation company set up payments to lower the interest rate, the consolidation company sent the monies that was agreed upon, the Military Star Aaffees / XXXX XXXX XXXX has been harassing me, stating I opened two accounts, I only had one, also XXXX opened the other account unbeknownst to myself for the same amount from the card which was paid off in XXXXXXXX XXXX XXXXXXXX, Military Star is the culprit, the issue actually started in XXXXXXXX XXXX XXXXXXXX, I asked them to investigate as to why they stopped receiving the monies sent by XXXX XXXX XXXX XXXX, based in XXXX California, they refused to investigate.

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 or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Request Under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) To Whom It May Concern : I am writing to formally exercise my rights under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6802, regarding the privacy of my nonpublic personal information. I do not authorize your institution to share, disclose, or otherwise distribute my nonpublic personal information to any nonaffiliated third parties, except as permitted by law. This letter serves as my official opt-out notice under the provisions of the Act. Additionally, I request the following : A detailed description of your current privacy policies and practices concerning my personal information. Identification of any nonaffiliated third parties with whom my information has been shared. Confirmation in writing that my opt-out request has been processed and is being honored. Please ensure that my preferences are applied to all accounts associated with my name and information. If you require additional information to process this request, please contact me using the information provided above. I expect compliance with this request within a reasonable timeframe as required by law. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy. 15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal complaint regarding a credit card item on my consumer credit report. I did not apply for credit, card or did i initiate this transaction, nor provide written or verbal authorization to the company responsible this debit. Because I did not grant permission, this card does not meet the definition of permissible purpose under the Fair Credit Reporting Act ( FCRA 604 ). I previously disputed this card account directly with the credit bureau, yet it continues to be reported without any proof of authorization. The credit bureau has failed to provide : A copy of a signed application Any documentation showing permissible purpose Any proof that I authorized this account A description of the actual method of verification used Under FCRA 611, credit bureaus are required to conduct a reasonable reinvestigation. Simply responding with verified without providing documentation does not meet this legal standard. This unauthorized account is damaging my credit profile and limiting my access to credit opportunities. The continued reporting of this inaccurate information constitutes negligent and potentially willful noncompliance under FCRA 616617. Account Type : Credit Card Company : XXXX Date Opened : XX/XX/2023 Amount : {$12.00}, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: FL

Complaint narrative:
I didn't open this account and have no business with this company. They are reporting late payments on my credit report, in which i have no idea about. They are hindering me being able to apply for lines of credit with other company 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> SS XXXX To Whom It May Concern, I am writing to formally dispute the following account listed on my credit report. Creditor : MoneyLion Account Number : XXXX This account is being reported as a collection and charged-off debt. I dispute the accuracy and completeness of this listing. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you conduct a reasonable investigation and verify the following : 1. The original signed contract bearing my signature 2. Complete chain of assignment moneyLion legal ownership of this account obtained this account 3. The original account balance and full payment history 4. Proof that the debt is legally collectible and within the statute of limitations If you can not verify this information with competent evidence, the account must be deleted from my credit file pursuant to FCRA 1681i ( a ). Please send me written confirmation of the results of your investigation. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They sent a letter advised call right away to maybe lower interest rate, lower payment and reduce monthly payment. I called will not lower interest rate at all. Settle for less was not much off of balance. Reduce monthly payment not willing to do much for consumer.

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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Company Name : Comenity Bank ( XXXX Credit Card ) Complaint : I am filing a complaint regarding improper fees, inaccurate credit reporting, and failure to honor a customer service agreement on my XXXX credit card account issued by Comenity Bank. In XX/XX/2025, I made a purchase using a newly opened XXXX credit card. My first payment was due on XX/XX/2025. On the due date, I attempted to make the payment, but it did not process. When I contacted customer service, I was informed for the first time that payments must be submitted before XXXX XXXX on the due date. During that call, I explained that I was a new customer and was unaware of this cutoff time. The representative acknowledged this and assured me that any late fee would be waived as a one-time courtesy. Based on this representation, I immediately paid the full balance ( over {$200.00} ), believing my account to be fully resolved. Months later, I began receiving repeated collection calls stating that I had an outstanding balance. I was then informed that a late fee had been applied, along with interest and additional charges, which continued to accumulate over time. I have contacted customer service multiple times, but I have been told there is no record of the representatives promise to waive the fee. This is concerning, as these calls should be recorded. As a result : I have been charged fees and interest that I would have paid immediately had I not been told that I would get a one-time courtesy as I was unaware of the XXXX deadline on due date. I have been subjected to excessive collection calls My credit score has been negatively impacted Resolution Requested : Remove all late fees, interest, and associated charges Correct my account balance accordingly Remove all negative credit reporting related to this issue from all credit bureaus Provide written confirmation of corrections Also, all my bills are set up as automatic payment. I set up automatic payment on the XXXX, so the money should have come out for the late payment. I also ask the representative to set it up on the XXXX. This situation resulted from reliance on a customer service representatives assurance, and I request a fair and prompt resolution.

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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I demand this company to delete this account from all 3 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: E Mortgage
State: MD

Complaint narrative:
I have repeatedly been contacted by various individuals from EMortgage, most recently XXXX from phone number XXXX, loan officer name is XXXX XXXX I asked he last name and XXXX number, he refused to provide either. I shared with him that I was on the National DO NOT CALL, he continued to speak about refinance options etc.. I registered my name and number for a reason. I work as the XXXX XXXX of XXXX from XXXX in Maryland. I know the rules and requirements for contacting people, as should they. I know I am entitled to compensation and that they are subject to fees and penalties. My time in submitting this complaint now warrants the compensation and their continued disregard for the rules warrants their punishment. I appreciate your time and look forward to true action being taken against them.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On or about XX/XX/year>, I reviewed my credit report and discovered accounts and/or transactions that I did not authorize. These accounts were opened without my knowledge or consent. As of XX/XX/year>, the reported balances and activity were inaccurate and fraudulent. On XX/XX/year>, I contacted the credit bureaus and the companies involved to dispute the accounts and reported the identity theft. I also placed a fraud alert on my credit file. Despite these actions, the fraudulent accounts remain or have not been fully resolved. I am requesting that these accounts be investigated, removed, and that I not be held responsible for any related charges.

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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I received email about my purchase of XXXX items from XXXX by using my PayPal account on XX/XX/XXXX. I thought that was a fraud email. I received an email regarding XXXX XXXX and need to sign in and activate it and I ingnored. I received the XXXX XXXX XXXX in the evening in my front door and realized something went wrong and contacted XXXX and asked about return and refund of the products. I got a barcode for the XXXX XXXX XXXX and returned it to XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I also contacted PayPal to file a dispute about the transaction on XX/XX/XXXX and was advised to change my password and notify my bank card. I contacted XXXX on XX/XX/XXXX and XXXX cancelled my card and send my a new card on XX/XX/XXXX. I reached out to the customer services many times regarding the case without result and got the response of denial of my appeal. I had my XXXX card listed as only payment choice for XXXX account and never use PayPal to XXXX purchases in the past. I did not order those XXXX items on XX/XX/XXXX and felt that someone using my XXXX accout to make the purchase. As a customer, I can cancel or return the products within 30 days on any website in the US and I am not getting any result with XXXX customer service and I am ready to file complaint to goverment agencies regarding this customer 's right! I am a XXXX working hard to take care of my patients and never play any video games and have any experience with prepain video game cards!

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: Klarna AB
State: LA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX comforter set ( Order # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX for {$110.00}, using a Klarna Virtual Visa card. XXXX 's contact information was unresponsive to phone calls. I contacted XXXX for return instructions online but received incorrect information. I visited XXXX XXXX locations in person and received directions from security guards to a XXXX store in XXXX XXXX, LA, where I returned the items. XXXX acknowledged the return of the items in my account on XX/XX/XXXX. The Klarna card was refunded {$98.00} on XX/XX/XXXX. However, Klarna refuses to remove the charges and continues to attempt to collect money from my bank account, adding late fees. This has affected my business through XXXX XXXX and is causing a hardship. I reached out several times and received inconsistent resolutions from AI and live agents. One troubling suggestion was to share information via chat, but there was no option to upload evidence. After providing more information following chat requests, I was directed to XXXX for the complaint. XXXX has also failed to address the issue properly. A live XXXX agent kept me on the phone, did not resolve the issue, refused to update my contact information, citing technical difficulties, even after I requested they take my email. In addition, Klarna owes me {$48.00}, which needs to be returned to my personal bank card. This transaction also occurred on XX/XX/XXXX.

Company response to consumer: Closed with explanation