vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: AL

Complaint narrative:
I am submitting this complaint regarding a dispute I filed with Wells Fargo for a charge related to merchandise that was defective and not as described. I purchased an item from an overseas seller that was advertised as being good quality. Bought in person on an island at the cruise. However, shortly after receiving the item, it broke and was clearly not the quality that was represented at the time of purchase. Because the product was defective, I filed a dispute with my bank under the category of merchandise that was not as described or of unacceptable quality. When I initially filed the dispute, I did not submit photos with the first claim. However, after reaching out to Wells Fargo to provide more details about my claim, I was able to submit photos showing the condition of the item and how it had broken. Despite providing this documentation, Wells Fargo declined my dispute and stated that the photos were not enough information. I attempted to follow the dispute process in good faith and provided evidence of the defect when I was given the opportunity to do so. However, my claim was declined again without a clear explanation of what additional information would have been considered sufficient to support the dispute. I am requesting that this matter be reviewed again, as the item I received was defective and not the quality that was represented by the seller. I believe the evidence I provided demonstrates that the merchandise was not as described, and I would appreciate a reconsideration of the dispute decision.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
I do not recognize these debts, have no knowledge of any underlying accounts with the original creditor ( reported as Jefferson Capital Systems LLC ), and believe they are inaccurate, not mine, or unverifiable. I have never had any dealings with Jefferson Capital Systems LLC or the original creditor that would result in these obligations. These appear to be purchased/charged-off debts, but there is no proper documentation or validation supporting their accuracy or my responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I have XXXX different collection agencies trying to collect money that I do not owe. I've tried to contact them and let them know I have not had any luck I need help with this because they just keep adding bills and I have not been to the emergency room but one time in 6 years It's XXXX XXXX XXXX in XXXX Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I reviewed my credit report and noticed inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding thta the credit bureaus will investigate this account and was previously reviewed and removed due to identity stolen and data breach experian , XXXX XXXX as XXXX has corrected and removed this as of XXXX XX/XX/year> please review all attachments and remove inaccuracies

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 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
The affirm app is absolutely terrible for trying to make payments, as is their website ; it is no different. XXXX doesnt allow you to use your card to make these payments, and that may be all you have. Beyond that you cant do bank draft, I had a payment that was just barely over XXXX days late due to difficulty having a payment method that would work. I tried contacting XXXX XXXX about this so I could get them paid, and I received no useful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Midwest Acceptance Corp.
State: MO

Complaint narrative:
Got this car in XXXX .. my kids father had it we broke up in XXXX and he sold the vechile without my knowledge .. it was only XXXX left on the vehicle and they sold my information to a attorney who then filed charges on me and I been paying on it ever year since XXXX garnishing my check every week and what went from XXXX now its XXXX I have to pay when companies are not supposed to sale my information to XXXX party people .. they never sent me a letter or email letting me know they were doing so .. its wrong on so many levels

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
This complaint is about a collection account reported by Midland Credit Management in the amount of {$780.00} that appears on my credit report. I believe this company did not properly follow the Fair Credit Reporting Act ( FCRA ) when reporting this debt. In XX/XX/year>, I noticed a collection account from Midland Credit Management for {$780.00} on my credit report. Because I did not recognize this account, I sent a written dispute and asked the company to verify the debt. I requested proof that the debt belongs to me and documentation showing they have the legal right to collect it. Midland Credit Management did not provide proper documentation showing that this debt belongs to me. They also did not provide clear proof validating the amount of {$780.00}. Even after my dispute and request for verification, the account continued to be reported on my credit report. Under the Fair Credit Reporting Act, a company must conduct a reasonable investigation when a debt is disputed and must verify that the information they report is accurate. If they can not properly verify the debt, they are required to correct or remove the information. By continuing to report this account without providing proper verification or documentation, Midland Credit Management may be violating the Fair Credit Reporting Act by reporting potentially inaccurate information and failing to properly investigate my dispute. Because this debt was not properly verified but is still being reported, it has negatively affected my credit report and financial standing. I am requesting that this issue be investigated and that Midland Credit Management either provide proper documentation proving this debt is valid or remove the account from my credit report if they can not verify it as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My bank chase locked my account with no warning and will not disclose reasons for sudden closure. Holding onto my money and wont release money for 10 days. I tried calling several people and going into branch and spoke with president of bank. So now I have no money to buy food or pay bills for my son and I and am refused any access to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: OK

Complaint narrative:
I simply need this company to contact ME for payment. They will call and text my references but have failed to contact me directly. Even from the start of the loan which was a soliciting by a check by mail., they showed up at my house for additional information rather than sending a letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: NY

Complaint narrative:
Company name address and phone number its as follows! XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX Well thos collection its regarding an student living space my son XXXX XXXX as an joint on this matter used while on schooling outside XXXX XXXX School he attended from XXXX XXXX its XXXX XXXX XXXX XXXX XXXX Well first year he stayed in dorm and we did not have problems with it but on XXXX 2nd year he stayed at a student living called XXXX. Academic year was from XXXX XXXX to XX/XX/XXXX! XXXX we paid the full XXXX ( even though he start using the room on XXXX ) and deposit! XX/XX/XXXX was hea last swipe student card for the space. Well here the problem start, they want as pay for manipulation contract as an calendars year and not only as an academic year! We already paid it as Full XX/XX/XXXX to end of XX/XX/XXXX ( deposit used ) XXXX XXXX XXXX those are months we didnt want it school was off and why we have to be responsible for that!! Else sisncr its was a student living space you only used it for time school was open!! He didnt do summer classes to need it! Now hes transferred to XXXX XXXX XXXX, and havent use pr neither need anything from XXXX! I amount itd exaggerated!! And we need this be off our responsibility from me as a parent and my son! And we beed it all this nonsense out of or credit bureau! XXXX you for understanding!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I sold XXXX cards to a buyer on XXXX XXXX and received payment through XXXX. Immediately after receiving the payment, I purchased a shipping label and provided the buyer with the tracking number. XXXX can verify through my transaction history that the label was purchased and not canceled. Due to a printer issue, there was a short delay before I was able to mail the package. During that time, the buyer filed an item not received dispute. Once I was able to print the label and ship the package, the tracking became active and the item was delivered to the buyer. Despite the confirmed delivery, XXXX closed the dispute in the buyers favor and refunded the buyer. As a result, the buyer kept both the merchandise and the refunded payment. In addition, I paid the shipping cost and my XXXX balance became negative. I am requesting that XXXX review this case and correct the outcome since the tracking confirms the item was delivered and the buyer retained both the item and the refund. I also then went back on and asked for my cards back if my account is being charged for the money that was supposed to be paying for them to which they told me to keep a eye on my email and have not gotten back to me or released my money or sent my cards back!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Per violation of the the XXXX Breach. My name, address and social security was exposed. i would like to have this remove due to the following reasons : The XXXX XXXX breach affected about XXXX XXXX consumers and led to a large federal/state settlement alleging XXXX failed to provide reasonable security for sensitive personal data and engaged in unfair and deceptive practices. [ consumerfinance XXXX ] The XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX ), and related materials describe XXXX failures and the scale of the breach ; these are useful background facts to show why your SSN and identifiers are at heightened risk of misuse. In one XXXX databreach decision, Judge Thrash held that stolen static data ( SSNs, addresses, card numbers ) was not a consumer report and that a hack is not XXXX furnishing under FCRA ; that cuts against any attempt to claim the breach itself is an FCRA furnishing violation. Using the breach in an FCRA dispute letter You want to leverage the breach to support that ( a ) you are at elevated risk of identity theft and ( b ) XXXX and furnishers must treat your dispute as identitytheftrelated and conduct a real investigation. When drafting : Cite the XXXX XXXX breach and the federal/FTC/CFPB settlement to show that Equifax has already been found to have failed basic datasecurity duties

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FRESNO CREDIT BUREAU
State: CA

Complaint narrative:
I am filing a complaint regarding Creditors Bureau USA for inaccurate credit reporting and improper debt collection practices. The company is reporting a collection account related to an alleged apartment debt from XXXX XXXX XXXX. I never abandoned the rental unit and never received any Notice of XXXX of XXXX or other legal notice. Additionally, I never received the required itemized statement of security deposit deductions within 21 days of move-out as required under California Civil Code 1950.5. The documentation provided by the collection agency does not show proof that the deposit accounting was delivered to me. The balance being reported also includes additional interest charges that appear to be unauthorized and unsupported by the original lease agreement. Despite raising these concerns, the collection agency labeled my dispute as " frivolous '' without properly addressing the issues raised. I am requesting that the collection agency provide full documentation validating the debt or remove the account from my credit report if it can not be properly verified. This inaccurate reporting is negatively affecting my credit and my ability to obtain housing and financing. I will file a complaint for XXXX XXXX separately.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
XXXX and XX/XX/year>, multiple unauthorized transactions totaling {$1300.00} were made using my Chime debit card and are listed as * Cash XXXX XXXX XXXX XXXX. These transactions added funds to another users XXXX XXXX balance. I did not authorize my debit card to be linked to this XXXX XXXX account, nor did I authorize these transactions. While I have previously sent money to this individual through XXXX XXXX, these charges were not sent from my XXXX XXXX account and appear to have been processed by linking my debit card as a funding source. I reported the transactions to Chime and disputed them as unauthorized. My disputes were denied multiple times. Chime stated that they relied on account activity such as card freeze and unfreeze history. However, my phone had been stolen around the time these transactions occurred, and I believe this could explain activity appearing from my device that I did not authorize. I requested documentation showing how my card was linked to the XXXX XXXX account, including the device, IP address, and authentication used, but this information was not provided. Because these transactions were initiated by a third party without my authorization, I believe they qualify as * * unauthorized electronic fund transfers under the Electronic Fund Transfer Act and Regulation XXXX I am requesting reimbursement of the {$1300.00} withdrawn from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
This complaint is about a collection account reported by Portfolio Recovery Associates in the amount of {$460.00} that appears on my credit report. I believe this company did not properly follow the Fair Credit Reporting Act ( FCRA ) when reporting this debt. In XX/XX/year>, I noticed a collection account from Portfolio Recovery Associates for {$460.00} on my credit report. Because I did not recognize this account, I sent a written dispute and asked the company to verify the debt. I requested proof that the debt belongs to me and documentation showing they have the legal right to collect it. Portfolio Recovery Associates did not provide proper documentation showing that this debt belongs to me. They also did not provide clear proof validating the amount of {$460.00}. Even after my dispute and request for verification, the account continued to be reported on my credit report. Under the Fair Credit Reporting Act, a company must conduct a reasonable investigation when a debt is disputed and must verify that the information they report is accurate. If they can not properly verify the debt, they are required to correct or remove the information. By continuing to report this account without providing proper verification or documentation, Portfolio Recovery Associates may be violating the Fair Credit Reporting Act by reporting potentially inaccurate information and failing to properly investigate my dispute. Because this debt was not properly verified but is still being reported, it has negatively affected my credit report and financial standing. I am requesting that this issue be investigated and that Portfolio Recovery Associates either provide proper documentation proving this debt is valid or remove the account from my credit report if they can not verify it as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint regarding inaccurate and unrecognized collection accounts from Midland Credit Management XXXX. ( MCM ) on my credit report. Balances : Approximately {$1100.00} and {$1200.00} ( multiple similar entries ). Opened dates : Around XX/XX/XXXX and XX/XX/XXXX ( XXXX XXXX XXXX ). Last reported : XX/XX/XXXX. Status : Open, placed for collection, with notes that the account information was disputed by the consumer. I do not recognize these debts, do not recall any accounts with the original creditor ( listed as Midland Credit Management XXXX ), and believe they are inaccurate or not mine ( possible error, mix-up, or unverifiable ). These appear to be purchased/charged-off debts, but I have no knowledge of the underlying obligations, and they should not be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: NJ

Complaint narrative:
On or about Wednesday, XX/XX/year>, my XXXX telephone number was ported to a different XXXX without my approval. Once I lost service and my service did not resume on my phone, I immediately visited the stor of my XXXX. There I learned my number was ported to a different cell provider Later that evening, when I checked my email there were upwards of XXXX emails where my email address was used for subscriptions. In addition, someone opened a zip account in my name and ordered approximately {$1000.00} worth of products from SQ * XXXX XXXX XXXX XXXX have filed a police report, and a FTC report XXXX The company in question, XXXXXXXX XXXX, is not taking action to complete an investigation and resolve this matter. I have contacted this company numerous times and all I receive in return is a schedule of payments due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
I am disputing a collection account listed on my credit report because I do not owe this debt. The account was placed by a collection agency that I have never done business with, and I was never notified of any debt. I am requesting verification and supporting documentation to prove that I am legally obligated to pay. So far, I have not received any proof from the company. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, I am asking for this account to be investigated and removed from my credit report if it can not be verifie

Company response to consumer: Closed with explanation