vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
CREDIT CONTROL LLC Last report XX/XX/year> Credit control LLC original creditor XXXX Open XX/XX/year> XXXX months Account status. Open I do not have any knowledge of this ACCOUNT .. it just popped out of nowhere.. I cant even tell what company XXXX is.. please have removed from my credit.. As soon as I start cleaning up my credit getting my score up, all of a sudden this company .. XXXX thinking fraud.. please investigate and remove.. Thank you

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year> I received a message about a transaction on my checking account and I said it wasn't me. A wells fago bank employee called me and said that the transaction was denied and I needed to talk to his manager to go over my account with him. I was transferred to another employee saying my checking debit card was compromised and I needed to get a new one. He also said that the transaction was through cash app so I needed to fix it. So he was going through the process with me and was also talking about how not to be scammed and keep my account safe. Well as he was going me my new card number to put in my XXXX XXXX so I could use it right away. As he is doing this I was like dude you just told me about scams and this doesnt seem right. He then sent me a code through wells fargo app to confirm he was legit. So as I sent the money to my new account. I had to also put my bank account information and as soon as I sent the money and they had me delete the card number because it was part of the process to make my account safe again, they hung up on me and stole my money that was from my insurance company to fix my roof for my house. Since I have been charged tons of over draft fees and had to open another account with a different bank because im sick of wells fargo, my bank of 20+ years XXXX me over. So I called the wells fargo fraud department to report what just happened to me. They took my information down and then a couple days later they called left a messge saying they need more information to process my claim. The day I was able to call them back, I had received a message on my phone about my claim. I logged into my account from my phone to look at the message. It had said that they closed my case because I didn't give them more information and the card was in my possession at the time of the incident. So I called them back and reopen the case giving the wells fargo fraud employee all the information I gave you. They said that since it was a large amount of cash ( XXXX ) that it would take some time to process. So when XX/XX/XXXX came around I looked to see what was going on with my case and it said my claim was still closed and they never reopened it. I want more than what they took as I have been struggling with my bills since this happened. PLEASE HELP ME!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am writing in response to your letter dated XX/XX/year> regarding the alleged debt. You state that my dispute has been reviewed ; however, you have failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act. A photocopy of a bill or account summary does not constitute sufficient proof that I am legally obligated to pay this debt. I specifically requested verification, including but not limited to : - A copy of the original signed agreement or contract - Documentation showing I am the responsible party - A complete payment history and itemization of the amount claimed - Proof of your legal authority to collect this debt Since you have not provided adequate validation, I formally dispute this debt in its entirety. If you can not provide the requested documentation, you must cease collection activity and notify all credit reporting agencies to remove this account from my credit file. Any further attempts to collect or report this debt without proper validation may constitute a violation of federal law. Please provide the requested documentation or confirm that this account will be closed and removed. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I disputed a {$10.00} charge for soil from XXXX because I was charged despite canceling the order. An XXXX associate instructed me to dispute the charge with my bank, stating they could not issue a refund directly. I followed these instructions and initiated a dispute with Ally Bank, providing all details from the XXXX associate. Instead of the full amount, Ally credited me only {$0.00} and closed the case. Subsequently, XXXX 's dispute team contacted me regarding a {$140.00} dispute. It appears either Ally referenced the incorrect order ( a ladder I had already returned and been refunded for ) or XXXX pulled the wrong data. I responded to XXXX inquiry to clarify the error and provide the correct information. I received only automated responses promising a reply within 24 hours, which never arrived. Instead, XXXX processed a " chargeback '' recovery and re-charged my account {$140.00} ( the {$140.00} ladder plus the {$0.00} Ally credit ). I attempted to reach XXXX 's dispute team multiple times but received only automated emails. I then contacted XXXX support with proof that the ladder had been returned and previously refunded. Multiple associates assured me a refund was " on the way, '' but it never arrived. I then filed a new dispute with Ally for the {$140.00} transaction, providing all email correspondence and proof of the ladder return. Ally denied the claim, stating I was correctly charged. They required me to complete a lengthy dispute form to escalate, which I did. A week later, Ally sent an identical letter requiring me to fill out the exact same form again to escalate. After XXXX months of this repetitive process and no resolution, I am now filing this complaint.

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 2026-03-29 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: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as GM FINANCIALXXXX, which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that GM FINANCIAL has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I received a letter dated XX/XX/XXXX in the mail on XX/XX/XXXX from " Credence Resource Management '' On XX/XX/XXXX prior to any conversation with me via telephone, this company already placed a Derogatory Mark on all my credit bureaus. Debt collectors can update the account ( like showing its been sold ), but they can not change the original date, this debit according to them occurred in XXXX?. As of today XX/XX/XXXX they have yet to provide " PROOF '' this debit even belongs to me. What they are NOT allowed to do : Re-age the debt : They can not change the date of first delinquency to make it look newer. They stated to all 3 credit bureau this debit is only XXXX months old. ) Restart the XXXX clock : Under FCRA, most debts fall off your credit report XXXX years from the original delinquency date, not when a collector buys it. Report inaccurate info : If theyre listing it as a XXXX delinquency when its really from XXXX, thats a BIG RED FLAG! Credence Resource Management can not legally turn a XXXX debt into a new XXXX debt just to hurt your credit, which they have done. This violates the Fair Credit Reporting Act and possibly the Fair Debt Collection Practices Act. I want Credence Resource Management to remove all negative marks, since this debit does not belong to me. Original creditor name Full account number ( not partial ) Amount owed + itemized breakdown of debit Proof that I agreed to the original debt ( contract, signature, etc. ) Proof THEY own the debt or were assigned it legally by the original creditor from XXXX and not just " PURCHASE '' from a list of " DEBITS '' If they can not validate, they must stop collection and should not report it. My call " NEVER '' Admitted that the debit belongs to me, I even advised " XXXX '' who was a supervisor that I knew nothing about the debit or made any promises to pay. " BAD FAITH '' This tactic violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Failure to provide account statements and inability to access e-statements Complaint : I have been unable to access my auto loan statements through my online account since XX/XX/XXXX. As of XX/XX/XXXX, no new statements have been posted to the portal. In an attempt to resolve the issue, I unenrolled from e-statements and tried to re-enroll. However, the system repeatedly fails during the verification process. After receiving the email verification code and attempting to log in through the provided link, I receive an error message each time and can not complete enrollment. I have contacted customer service multiple times over the past several weeks : I was initially told this is a known issue affecting multiple customers and that it would be escalated, but no resolution or follow-up was provided. I was told statements would be mailed to me, but I did not receive them. I was later told statements would be emailed to me, but I did not receive those either. I submitted an online inquiry and received no response. During a later call, I requested to speak with a XXXX and was discouraged from doing so. I was not transferred, but the representative eventually emailed me the statements at that time. Despite finally receiving copies of statements, the core issue remains unresolved : I still can not access my statements through the online portal or re-enroll in e-statements. This has been an ongoing issue for weeks with multiple failed attempts to resolve it through customer service. This issue reflects a failure to provide consistent access to required account statements despite multiple attempts to resolve it.

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Since XX/XX/XXXX, Citi has repeatedly violated the Credit CARD Act of XXXX by misapplying my excess payments. Heres the timeline of errors : XX/XX/XXXX statement : {$260.00} purchase balance at 25.49 % APR. XX/XX/XXXX : I made a {$470.00} payment ( {$320.00} above the minimum ). According to the Credit CARD Act, this excess should have been applied to the 25.49 % APR balance, zeroing it out. Instead, Citi allocated it to a 0.99 % APR balance transfer, leaving {$100.00} at 25.49 %. XX/XX/XXXX : Despite my complaints, Citi still shows a {$0.00} balance at 25.49 %, proving the error was never fixed. My {$380.00} in excess payments ( XXXX + XXXX ) were never correctly applied, resulting in unlawful interest charges. Evidence : XXXX statement : {$100.00} remaining at 25.49 % ( should be {$0.00} ). XXXX statement : {$0.00} remaining at 25.49 % ( illegal residual balance ). Total financial harm : [ Estimate the interest you were overcharged, e.g., ~ $ XXXX ]. Demands : Reallocate all excess payments ( {$380.00} ) to the 25.49 % APR balance since XXXX. Refund all unlawful interest charged due to this misallocation. Provide a written explanation of how this happened and confirm it wont recur. Remove any negative marks from my credit report related to this issue. Citis customer service has ignored my repeated attempts to resolve this via chat, phone, and email. This appears to be a systemic violation of federal law, designed to extract extra interest from consumers.

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 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had 2 overdraft fees of {$35.00} each taken out of my bank account on XX/XX/year> for 2 transactions ( {$25.00} and {$11.00} ). These are checking account ACH transactions. I am in a difficult and unstable financial situation and have been due to not being licensed due to fraud on the other side of the licensing agency. Because of this the only work I am able to do is to be a XXXX XXXX and have an extremely difficult time with career and financial stability. I had called to ask for a refund or partial refund, and the representative refused saying " it is system generated ''. I asked to speak with a supervisor who seemed angry at first then deescalated and also refused. If I had financial and career stability this would not happen in the first place. The {$25.00} is for utilities or my electricity would be shut off and the {$11.00} was from XXXX ( their mistake because I told them to shut off automatic payments and they refused on this one ).

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I missed a payment and contacted XXXX to request a hardship or payment plan. The only option offered would keep my account past due and continue charging {$41.00} late fees each month, with no clear path to bring the account current. I requested a hardship program that would stop additional fees and allow me to catch up, but was not offered one. I am seeking a reasonable payment arrangement that stabilizes the account and prevents ongoing fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WV

Complaint narrative:
I received XXXX separate letters in the mail from US Bank XXXX of which, stating that I had opened a money market account and a savings account. and then a XXXX letter stating that they were unable to open an account with a slightly different name, my name with XXXX at the end. I contacted the bank and they verified that XXXX accounts were attempted to be opened were successfully opened, and then immediately closed in a third that was attempted to be opened, but was denied. XXXX days before receiving those letters I got an unauthorized charge on my actual bank account from XXXX and disputed that through my bank, 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 non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against Truist Bank regarding missing refunds that were processed by a merchant but never credited to my account. On XX/XX/year>, XXXX processed two refunds to my XXXX card totaling {$790.00}. I have receipts showing both transactions were approved and completed. Despite this, Truist Bank has not credited these funds to my account, and it has been several months. I am requesting a full investigation and immediate credit of {$790.00} to my account. I have attached proof of the refund transactions.

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 2026-03-29 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: GA

Complaint narrative:
I have reviewed your response and it does not resolve my dispute. You state that you purchased the account and that your records show my name and partial social security number. However, this does not constitute proof that I am personally liable for the alleged debt. This account was opened as a business credit account. You have not provided any documentation showing that I personally guaranteed this account or agreed to be personally responsible. To properly validate this debt, I require : - A copy of the original signed agreement or application - Documentation clearly showing a personal guarantee, if any exists - Full account statements from the original creditor - Proof of your legal right to collect this specific debt A summary of account data or business records is not sufficient to establish personal liability. Until such documentation is provided, I continue to dispute this account and request that it be removed from my credit reports as inaccurate. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I spoke to Macys mid XXXX about my card being declined. They told it was due to inactivity but with further research the account is still open. I spoke to Macys XX/XX/29 and they told me the account was closed to two return payments in the past XXXX months. However no information of that sort was given or any explanation when I call every month to make a payment. Yes I did know about the return payments and immediately made a payment that cleared. Not once did Macys mention that policy. This card is in good standing and payments made each month. I asked for the card to be reopened due to its good standing and due to their failure to inform me of their policy when I spoke to them more than once. I have this card for 20 years and NEVER HAVE THEY MENTIONED THIS POLICY.

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 2026-03-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
Exeter Finance caused, furnished, verified, allowed, or failed to correct bankruptcy-related reporting on my account ending in XXXX, even though this account was never included in bankruptcy. XXXX dispute results state that the Exeter tradeline was verified as accurate and updated and that the XXXX XXXX was changed to Account Included in Bankruptcy. That status is false. Exeters own Statement of Account dated XX/XX/year> for account XXXX does not provide account-specific proof that this account was ever included in bankruptcy. It reflects the account and a total outstanding balance of {$0.00}, but the bankruptcy language in that document is generic conditional boilerplate, not evidence that this particular account was included in any bankruptcy proceeding. A generic disclaimer, internal coding issue, automated system issue, vendor issue, or bureau translation issue does not make false bankruptcy reporting accurate. If Exeter lacked account-level proof that this account was included in bankruptcy, then Exeter should not have furnished, verified, or allowed that status to remain associated with this account. XXXX result makes the issue worse, not better, because it shows the false status was treated as verified. I am requesting that Exeter immediately correct its internal records, notify all consumer reporting agencies to remove the false bankruptcy notation from this account, and provide written confirmation that the correction has been made.

Company response to consumer: Closed with explanation