vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX I used a Wells Fargo promotional financing offer for home renovations that advertised no interest if paid in full within 12 months. The promotional period ended XX/XX/XXXX. Due to personal hardship circumstances, including the birth of my child in XX/XX/XXXX, my status as a 100 % Permanent & Total XXXX veteran, and current unemployment, I unintentionally missed the payoff deadline. Wells Fargo subsequently applied {$900.00} in retroactive deferred interest. I fully understand the terms of the promotion and am not disputing them. I have made multiple good-faith attempts to resolve this directly with Wells Fargo , including escalation requests and outreach to their Executive Customer Relations team, but have not received a response or a workable resolution. I have offered to immediately pay the remaining principal balance of {$1300.00} if the deferred interest could be waived or reasonably reduced. The only offer provided required a payment amount I was unable to meet within the required timeframe. I am requesting a goodwill accommodation that would allow me to resolve the remaining principal balance without the full retroactive interest assessment. I am acting in good faith and simply seeking a reasonable resolution.

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 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I made an online purchase from a company XXXX XXXX using my XXXX credit card. I never agreed to receive broken unusable merchandise however that is exactly what I got. The company was notified in writing via email using the original order email confirmation on XXXX well within the 30 days. Company did not respond. I Notified them again in writing on XXXX, XXXX, XXXX, XX/XX/XXXX and again XX/XX/XXXX. NOT ONE OF THESE MESSAGES WERE EVER RESPONDED TO. This is the Email address : XXXX which I used. I filed a complaint with XXXX card which keeps making excuses as to why I should pay the {$130.00} when XXXX of the XXXX mugs were smashed and unusable? I sent pictures of the broken items to XXXX as part of my complaint and they continue to tell me that the transaction was valid. It's NOT VALID. I did NOT ORDER BROKEN MUGS. I do NOT that I should be held responsible for these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
disputed an account with TransUnion that is being reported by LVNV Funding LLC / Resurgent Capital Services. The account was marked as verified without proper validation. No documentation has been provided showing : - A signed agreement or contract - Chain of ownership of the debt - Proof that I am legally obligated for this account TransUnion has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA 611 ). A basic automated verification does not meet the legal standard for accuracy. This account is being falsely represented as accurate without proper evidence. I am requesting immediate deletion of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a lease payoff transaction that has not been properly processed, resulting in financial harm and risk of negative credit reporting. On XX/XX/year>, my lender, XXXX, issued a payoff check in the amount of {$18000.00} to complete the buyout of my vehicle lease with GM Financial. The check was sent to the dealership, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ), which was responsible for completing the payoff process and forwarding the funds to GM Financial. On XX/XX/year>, I received notification from GM Financial that my lease had been extended because they had not received any payment or documentation related to the buyout. This was unexpected, as I had already secured financing and expected the payoff to be completed. On that same day, I visited the dealership in person to investigate the issue. During that visit, I was informed that my signature was missing from certain documents, which had not been previously provided to me. I completed and signed all required paperwork at that time and was assured that everything would be promptly forwarded to accounting and then to GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Received a credit alert that this is account was marked 90 days past due from XX/XX/XXXX to XXXX. I have made payments in XXXX to bring my account current, and I am current on the account as of XX/XX/XXXX. Called company on XX/XX/XXXX and the agent informed me that the 90 day past due report was from the summer of XXXX. This error has dropped my score drastically.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. Proof that the original creditor securitized the debt. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding their handling of unauthorized debit card transactions totaling {$1700.00} USD. I reported these transactions as fraud, as I did not authorize them, did not make them, and do not have an account with the merchant involved ( XXXX ). My physical debit card remained in my possession at all times, indicating that my card information was compromised and used without my permission. Wells Fargo conducted an investigation and denied my claim, stating that the merchant provided proof that the transactions were authorized. However, Wells Fargo has not provided me with any actual evidence demonstrating that I authorized these transactions. They stated that I will receive this proof within 30 days. I contacted Wells Fargo again to request that the claim be reopened, but they refused. I believe Wells Fargo has failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act ( Regulation E ). They appear to have relied solely on the merchants statements rather than verifying actual authorization through objective evidence such as IP address, device information, or authentication records. To be clear : I did not authorize these transactions I did not create or use an account with the merchant My debit card information was used without my knowledge or consent I am requesting that Wells Fargo : Reopen and properly investigate my claim Provide all evidence used to determine that the transactions were authorized Reimburse the {$1700.00} in unauthorized transactions I am seeking the CFPBs assistance in ensuring that Wells Fargo complies with its obligations under federal law and conducts a fair and thorough investigation. I also submitted a different claim with Wells Fargo for different transactions with the same merchant and won that claim for XXXX. However with this one, they insist it was me and not fraudulent transactions when they completely were

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I'm writing this letter of re insert to request this account be deleted from my credit report. I contacted them and they send a harassing letter an cease and assist letter was forwarded already. They violated due process and time limit to response. i also use 15 usc. 1681 ( b ) written signature. They didn't have what I was supposed to have purchased from them. no forward flow agreement, purchase agreement chain of assessment 15 usc. 1681 ( c ) c 15 usc. 1692 ( c ) 15 usc. 1692 ( g ) 15 usc. 1681 ( e ) b

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I have a Bilt credit card. Two things happened with the recent change from the old card : I was enrolled in autopay on the Bilt credit card, making full payments every month. But they did not continue my autopay settings, and I noticed after the billing date, so they charged me interest. The new Bilt account also closes my old credit reporting line with XXXX XXXX which decreases my number of accounts. With the transfer I did not realize clearly that the new card would appear as a totally new line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
I am attempting to locate and recover funds from a deposit account originally held with XXXX XXXX XXXX in XXXX, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) during approximately XXXX. I recently located a check issued from this account, confirming its existence and activity during that time period. The account has since become untraceable due to multiple institutional mergers. The National Credit Union Administration ( NCUA ) confirmed the following merger history : XXXX XXXX XXXX was acquired by XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX transitioned to XXXX XXXX on XX/XX/XXXX XXXX XXXX was subsequently acquired by Prosperity Bank Based on this confirmed chain, the account and any associated funds should now reside within Prosperity Banks legacy systems or should have been transferred to state unclaimed property in accordance with applicable escheatment laws. I contacted Prosperity Bank via email to request a search of their legacy and archived systems and to determine whether the funds remain with the bank or were transferred to the state. However, I did not receive a substantive response and was redirected to general customer service channels that are not appropriate for this type of historical account tracing request. I do not currently have access to online banking, and this issue requires internal research by the banks deposit operations or records retention team rather than standard account access procedures. I am requesting assistance to ensure that a proper investigation is conducted to locate these funds and determine their current status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I have contacted company and attempted to resolve the debt within my means but the company has refused to report manual payments as attempts to resolve the account. Instead, Midland Credit Management has taken payments while still reporting the accounts as delinquent and threatening legal action. I have been unemployed for almost a year and still doing my best to resolve accounts but they will not report it as being paid on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I had a Credit Karma Spend account that was closed without explanation. At the time of closure, my account had a balance of {$1000.00} that is owed to me. I was told a check was mailed to my address over a month ago. I have confirmed multiple times that my address on file is correct, but I have never received the check. I have contacted Credit Karma over 30 times regarding this issue and have not received a resolution. They have failed to : Provide proof that the check was actually issued ( check number, date, or tracking ) Stop payment on the missing check Reissue my funds I am requesting : Immediate stop payment on any previously issued check Reissuance of my full balance of {$1000.00} Payment via secure and trackable method ( certified mail or direct deposit ) This delay is unreasonable, and I am requesting prompt resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 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: Rocket Mortgage, LLC
State: KS

Complaint narrative:
On XX/XX/year> I processed my online payment with XXXX XXXX a subsidiary of XXXX XXXX for my XX/XX/year> mortgage payment. On XX/XX/year> a company named XXXX XXXX XXXX took out an ACH payment from my bank {$1300.00} the same amount as my mortgage payment, but I did not authorize this company to pull any money from my bank and I have no relationship with XXXX XXXX. Then on XX/XX/year>XXXX XXXX XXXX took out the same {$1300.00} from my back for my XXXX mortgage payment that I authorized. I contacted XXXX XXXX on XX/XX/year> and filed for a refund, I had to send an email to " XXXX '' is what I was told requesting the refund with pictures where the money had been taken from my account. I did. They said the research team would contact me within 24 hours, they have not. They said I should receive my money in 1-5 business days, but I fear that will not happen either. I don't know what Rocket Mortgage has to do with XXXX XXXX or XXXX XXXX. I was given a # for XXXXXXXX XXXX of XXXX, but that is a recording and then it hangs up. It is a crime and against the law for any company to automatically pulls funds from a person back account that you did not authorize and especially when you have no relationship with. XXXX XXXX XXXX customer service person, Fed, stated they they were looking at selling my mortgage to XXXX, but nothing was firm or final. This was the first I had heard anything about it. But again I have no relationship with XXXXXXXX XXXX, and I did not authorize them to pull any funds from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: TN

Complaint narrative:
I am disputing a {$3000.00} charge for services never rendered. The merchant ( XXXX XXXX ) has received the funds from XXXX but has performed 0 % of the dental work and is refusing to issue a refund/reversal. Despite notifying the lender that no services were received, XXXX continues to hold me accountable for the full balance plus interest. I have attempted to resolve this with the merchant directly, but the XXXX office has hung up on me and refused to communicate, effectively blocking my ability to settle the dispute. XXXX is failing to protect me from paying for a service that does not exist. The {$3000.00} was charged between XXXX and XXXX at the XXXXXXXX XXXX location in XXXX Florida that is now permanently closed. The treatment plan was never started. There is a {$0.00} balance of services rendered, yet a {$3000.00} balance on my credit line. I have filed a formal complaint with the Florida Attorney General and attempted to call the XXXX XXXX corporate office, where I was hung up on. I request that XXXX permanently reverse the {$3000.00} charge, remove all accrued interest related to this transaction, and ensure no negative reporting is made to my credit bureau while this merchant fraud is investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received two wire transfers totaling {$10000.00} in XX/XX/XXXX and XX/XX/XXXX for legitimate services. My account was later frozen and ultimately closed without explanation. Chase removed the {$10000.00} from my account without notifying me or providing documentation. I have video evidence of the sender authorizing the wire transfers. I am requesting : A full written explanation of the reversal The legal basis for removal of funds Any fraud claim documentation or reason codes Chase has failed to provide transparency or due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank regarding the sudden and unjustified closure of my Double Cash credit card account. Account Background : Account opened : XX/XX/XXXX Product : Citi Double Cash Credit Card Account history : Excellent standing for nearly 11 years Issue Summary : On XX/XX/XXXX, I requested a replacement card. On XX/XX/XXXX, XXXX same day the replacement card was deliveredCitibank closed my account without any prior notice, explanation, or warning. Key Facts : Consistent, normal purchase activity No chargebacks or disputes No fraud alerts or suspicious activity Perfect payment history ( no late or missed payments ) Strong income and excellent debt-to-income ratio Long-standing positive relationship since XXXX Impact : This action has caused significant financial harm : Immediate negative impact to my FICO score Reduction in available credit Damage to my credit history due to closure of a long-standing account Concerns : No advance notice or opportunity to respond No clear or valid reason provided for closure Timing is highly concerning ( closure coincided exactly with replacement card issuance ) Potential arbitrary or automated account action without proper review Requested Resolution : 1. A full and detailed written explanation for the account closure 2. Reinstatement of the account with original history, if no valid cause exists 3. Removal or mitigation of any negative credit reporting impact caused by this closure 4. Confirmation that no adverse internal flags or records remain on my profile This account was maintained in excellent standing for over a decade, and this action appears unjustified and harmful. I am requesting a prompt and thorough review.

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 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX :, Social Security NumberXXXX, Date of Birth XX/XX/year> .Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these inquiries, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud.

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