vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I made a purchase from XXXX on XX/XX/XXXX for two tires totaling {$150.00}. Within approximately three months, both tires failed during normal driving. I contacted XXXX and was directed to the manufacturer, who redirected me back, resulting in no resolution. During a follow-up call, a XXXX representative confirmed that a refund would be issued. However, no refund was processed. I then filed a dispute with my bank. A temporary credit of {$150.00} was issued on XX/XX/XXXX, but it was later reversed on XX/XX/XXXX, and the charge was reapplied to my account. I have made multiple attempts to resolve this issue with XXXX, but they have not provided a resolution and have not honored the refund that was promised. Despite this, my bank closed the dispute and reversed the credit. This is a case where a confirmed refund was not honored by the merchant, and my dispute was not properly resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
THIS COMPANY WHO I HOLD NO CONTRACT WITH NOR HAVE RECEIVED ANY SERVICES FROM IS REPORTING NEGATIVE AGAINST ME.I HAVE REQUESTED TIME AFTER TIME FULL VALIDATION OF THIS DEBT BUT THEY FAILED TO SEND OR PROVIDE ADEQUATE PROOF.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
My personal information was shared with a third party without my permission violating my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
I am a student working two jobs, including a night audit shift ( XXXX XXXX XXXX XXXX ) and a second shift ( XXXX XXXX XXXX XXXX ). I have explicitly notified Eastern Account System ( XXXX ) that calls during these windows are inconvenient and interfere with my work and sleep. Despite this, XXXX has continued to call my personal phone during these hours. I have contacted the original creditor ( XXXX ), who noted my account stating that I am prepared to pay the {$130.00} balance in full immediately in exchange for a full deletion of this derogatory mark. XXXX has refused this resolution and continues to ignore my notice regarding inconvenient calling times ( FDCPA violation ). I am requesting that this trade line be completely deleted from my credit reports due to these statutory violations and harassment.

Company public response: Company disputes the facts presented in the complaint
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: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Giggle Finance Inc.
State: AR

Complaint narrative:
I am filing a formal complaint against Giggle Finance regarding a small business loan I obtained for business-related expenses. After entering into the agreement, Giggle Finance attempted to charge my account for an incorrect loan amount and unilaterally change the loan terms. I have retained screenshots of the original agreed-upon terms as evidence. When I attempted to dispute these discrepancies, the company was effectively unreachable through normal customer service channels. The only communication I received was through repeated text messages. Despite my efforts to resolve the issue professionally, their communication escalated into threatening and harassing messages, to the extent that I was forced to block their number. Eventually they started contacted me in different ways with threats, so I changed my number. Since then, Giggle Finance has continued attempting to withdraw funds from my personal bank account without authorization. These attempts are occurring in varying amounts and at all hours of the day, often exceeding 10 debit attempts per day. My bank has intervened and blocked these transactions ; however, the activity is ongoing and excessive. To date, there have been over 150 unauthorized debit attempts made to my personal account within a single month ( XX/XX/year>. ) These charges are not aligned with the original loan agreement and are being directed at my personal account rather than my business account. This pattern of behaviorincluding unauthorized withdrawal attempts, refusal to provide proper customer service channels, harassment via text, and deceptive modification of loan termsraises serious concerns about compliance with federal consumer protection laws. I am requesting : Immediate investigation into Giggle Finances business practices Assistance in stopping all unauthorized withdrawal attempts Intervention to cease all harassment and threatening communications Enforcement of applicable consumer protection regulations Additionally, I have observed that Giggle Finance has received numerous complaints and holds a poor rating with the XXXX XXXX XXXX, which appears consistent with my experience. I am prepared to provide supporting documentation, including screenshots of the original loan terms, communication records, and bank statements reflecting the unauthorized debit attempts. Thank you for your attention to this matter.

Company response to consumer: Untimely response
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: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Basis for Appeal Your denial states the charges were made using " one of my verified devices. '' I dispute this conclusion on the following grounds : 1. My phone has been in my continuous physical possession throughout this period and has not left the United States. It is not possible for my device to have authenticated transactions in XXXX and XXXX XXXX. 2. I have never traveled to XXXX, XXXX XXXX, or any country in the XXXX XXXX or XXXX. These transactions originate from regions entirely outside my activity history. 3. I have never used, contracted with, or made any payment to XXXX XXXX or any entity in XXXX, XXXX. 4. The merchant XXXX does not exist. The domain resolves to nothing and the website is unreachable. This is consistent with a ghost merchant or shell entity used in organized card fraud. I am prepared to provide a screenshot of the failed connection as evidence. 5. Two rapid international transactions across two different foreign jurisdictions is a recognized pattern of card compromise fraud, typically resulting from card credential theft via data breach, skimming, or dark web sale none of which require physical access to my device. The denial reasoning device verification conflates card-on-file token usage with physical device authentication. These are not equivalent. Compromised card credentials can be used remotely without the cardholder 's device being involved at all.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am writing as a Bank of America customer of over 20 years to request urgent assistance with a serious issue caused by a bank error that has left my account negative and without access to funds. On Friday, XX/XX/XXXX, a duplicate payment to my Bank of America credit card, which your bank flagged as fraudulent, was supposed to be canceled but was processed anyway. Despite immediate notification and multiple escalations, the funds have not been returned. Duplicate/Overpayment Amount : {$10000.00} Since this occurred : My account has been overdrawn solely as a result of this error. Six bill payments have been returned, some of which were resubmitted and returned again, and I currently have no available funds. I have made repeated attempts to resolve this issue by contacting customer service in Tennessee ( speaking with supervisors XXXX and XXXX ) and South Carolina ( speaking with supervisors XXXX and XXXX ), as well as visiting the XXXX, New Jersey branch, where I spoke with XXXX. I was told on Friday, XX/XX/XXXX that the matter would be escalated and hopefully resolved by the next business day, Monday. However, as of today, I am being told that even with escalation, the process could take up to 10 days. No one has been able to confirm whether the escalation actually occurred, what is holding up the process, why it is still under review, or how many additional days this will take. Instead, I am being told that with or without escalation, I may have to go up to 10 days without access to my money, leaving me unable to purchase basic necessities such as gas for my car, groceries to feed myself and my children, and other essential expenses. Today is Wednesday, XX/XX/XXXX, and the issue remains unresolved This is not an external transaction, the payment was made to a Bank of America credit card from a Bank of America account. Given that the bank identified the transaction as fraudulent, I am struggling to understand why the refund has not been issued immediately. I respectfully request : 1. Immediate provisional credit for the duplicate payment amount 2. Refund for any fees or late fees caused by this error to my returned payments and nonpayment of other bills 3. Assurance that my credit and payment history will not be negatively impacted by late payment on my other Bank of America credit card This situation has created significant stress and financial hardship for my family, and I urgently need access to my funds. I have always trusted Bank of America and hope the Executive Office would resolve this promptly.

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: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Remitly regarding an unresolved international money transfer in the amount of {$1000.00} USD that I initiated on XX/XX/year>, to my personal bank account in XXXX and XXXX. As of today, the funds have still not been received in my bank account. I have contacted Remitly multiple times over the course of nearly six weeks and have spoken with at seven different representatives. During each interaction, I was told to wait another 24 hours and that the issue had been marked as urgent. Despite these repeated assurances, no actual resolution has been provided. Remitly requested that I submit my XXXX bank statement to confirm that the funds were not deposited. I complied and submitted the requested documentation, which clearly shows that no deposit was made to my account. The last update I received from Remitly stated that the investigation was closed and that they would contact their business partner and XXXX to obtain proof of deposit. However, I have not received any proof of deposit, no transaction trace details, no confirmation that the transfer was successfully completed, and no explanation as to where my funds are currently located. However, I spoke with another Representative this morning and she stated that my XXXX statement that was not good enough and it does not show that money was not deposited into my account. This matter has now been ongoing for nearly six weeks, which is unacceptable for an international money transfer. Remitly has failed to provide transparency, proof of payment, or a timely resolution. I have also attached a copy of my XXXX statement to show no money has been deposited into my account on XX/XX/XXXX to present. I am requesting the following : Immediate confirmation of the status of the {$1000.00} USD transfer Proof of deposit, payout, or transaction trace details Confirmation whether the funds were delivered, rejected, returned, or are being held Immediate release of the funds to my account or a full refund without further delay I have made every effort to resolve this directly with Remitly and provided all requested documentation, but the company has not resolved the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am filing a complaint against Capital One regarding the handling of a billing error and lack of access to my funds. On XX/XX/year>, I made a single purchase with XXXX XXXX in the amount of {$1100.00}. That charge posted correctly. However, on XX/XX/year> five additional duplicate charges of {$230.00} each were also posted to my account, totaling {$1100.00} in duplicate charges. XXXX XXXX has confirmed they only show one valid transaction and can not reverse the duplicate charges on their end. This indicates the issue is with Capital One or payment processing, not the merchant. As a result of these duplicate charges, my available balance is currently negative ( - {$130.00} ), while my current balance reflects the correct amount that should be available to me ( {$1000.00} ) I am being denied access to my own funds due to this error. I contacted Capital One multiple times and formally requested a provisional credit while the dispute is investigated. I was denied without a clear explanation. When I escalated the issue to a supervisor, I was met with unprofessional and inappropriate behavior. The supervisor laughed at my situation and mocked my intention to file a complaint, stating, XXXX cant wait to see that report. I am requesting the following : 1. Immediate correction of the duplicate charges. 2. A provisional credit for the disputed amount while the investigation is ongoing. 3. Restoration of full access to my funds. 4. A review of the supervisors conduct and appropriate action taken. This situation is causing financial hardship and should have been resolved promptly given the clear evidence of duplicate charges. I expect a timely and appropriate resolution. This complaint is being submitted under my rights related to electronic fund transfer errors.

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: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing TransUnion, XXXX, Experian, and XXXX XXXX XXXX for the inaccuracies re : XXXX XXXX XXXX since XXXX. I get ill, recover, then dispute again, but all TransUnion repeatedly sends me ( in remarkable short duration timeframes ) are letters stating, VERIFIED ACCOUNT in bold capital letters when this is not what was requested of XXXX, or they will go into the alleged account in question and put a negative code, change what was put on the account in the first place, but XXXX XXXX XXXX has never verified anything in all these years. Now, they also added in the letter attached we updated : Historical Trended Data. I keep receiving stall tactic letters along with unverifiable dismissal letters. Please see attached letters. All letters are sent by XXXX Mail ( receipt included as proof of letter mailed on XX/XX/XXXX and my unverified letter is dated for XX/XX/XXXX. TransUnion in regards to XXXX XXXX XXXX was requested to do an extensive investigation into my complaint with consumer credit file. The investigation timeframe proves they did not conduct a comprehensive investigation or spend anytime on my claims. TransUnion concluded their unverified findings like all my other dismissal letters sent to me. Please have TransUnion honor the FCRA laws. If a dispute is never it must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I am disputing two credit card charges with HSBC related to XXXX XXXX XXXX, which ceased operations following bankruptcy. First, I was charged USD XXXX for a prepaid, refundable reservation for XXXX XXXX XXXX The reservation was unilaterally canceled by the merchant, and the service will not be provided. I received written confirmation from both XXXX and XXXX instructing me to seek a refund through my credit card provider. I submitted this documentation to HSBC, but the bank has not resolved the dispute and stated it is awaiting documentation from the merchant, despite the merchant no longer operating. Second, my credit card was charged an additional USD XXXX ( XXXX too ) on XX/XX/2026, which I did not authorize and for which no service was or will be provided. HSBC later incorrectly stated in a letter dated XX/XX/2026 that this charge was not posted, even though it appears on my credit card statement. I have sent multiple written letters ( including on XX/XX/2026 ) and made follow-up calls, but HSBC has failed to provide timely responses, has not shared the merchant documentation it claims to have received, and has not properly investigated or resolved either dispute. In addition, HSBC has required me to communicate through mail or fax, which has caused me to incur additional out-of-pocket costs and significant time burden to prepare and send correspondence and follow up on this matter.

Company response to consumer: Closed with monetary relief