vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I opened a Wells Fargo Bank account online and if making a deposit of a {$1000.00} 's for 90 days I'll receive a bonus of {$320.00}. I deposited Checks on XX/XX/XXXX in the amount of {$2100.00} and on XX/XX/XXXX in the amount of {$2100.00} total {$4300.00}. On XX/XX/XXXX I had {$3800.00} in my account after I made in store purchases. On XX/XX/XXXX I tried to use my debit card again, but it declined twice. I called Wells Fargo Bank and asked, why's my debit card declined? Wells Fargo replied I have an Court Order for owing Taxes. I asked to please give me evidence that I have a Court Order for Taxes. Wells Fargo replied : We can not provide you that information. I asked please I will like file a XXXX Complaint. Wells Fargo replied : Sorry we can not do a fraud complaint. Wells Fargo took my money and I want it back immediately. I filed Taxes this year XX/XX/XXXX for the year XXXX and my refund was never intercepted for owing Taxes in the amount of {$12000.00}. I filed Taxes last year XX/XX/XXXX for the year XXXX and my refund was never intercepted for owing Taxes. Also I never got any Court Order from any Court regarding this matter. Here 's the Case # XXXX given to me from Wells Fargo Bank. Please resolve this matter, thank you. XXXX 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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Ingo Money, Inc.
State: VA

Complaint narrative:
Primary Company : XXXX XXXX XXXX, XXXX. XXXX XXXX : Ingo Money , Inc . Reference/Ticket Numbers : XXXX & XXXX Disputed Amount : {$1000.00} Description of Incident : I am filing this formal complaint against XXXX XXXX XXXX XXXX XXXX. and its third-party service provider, Ingo Money , for the unlawful holding of {$1000.00} of my business revenue and systemic negligence regarding a failed check deposit. On XX/XX/year>, I attempted to deposit a {$1000.00} check issued to my business ( XXXX XXXX ) by a client. I used the Ingo Money mobile application to process the transaction. During the deposit flow, the application explicitly instructed me to physically write " VOID '' across the front of the original check to proceed. I complied with this system requirement. Immediately after the check was physically voided, the application timed out and the transfer failed. Ingo Money support later confirmed via email that the transaction was officially marked as " cancelled. '' However, the {$1000.00} was successfully cleared and deducted from the check issuer 's bank account ( XXXX XXXX ). Because XXXX XXXX XXXX processed the initial clearance but the Ingo platform cancelled the delivery, XXXX XXXX XXXX is currently holding the {$1000.00}. The funds have not been deposited into my account, nor have they been returned to the original issuer. Ingo Money 's customer support has been entirely negligent. They have repeatedly instructed me via automated emails to either " resubmit the check '' or have the issuer place a " stop payment. '' It is legally and physically impossible to resubmit or stop payment on a check that has already cleared the issuer 's bank and that the Ingo application already forced me to physically destroy. I called Ingo Money support on XX/XX/year>, and again on XX/XX/year>, explicitly explaining that the funds had left the issuer 's account. On both dates, I was promised a callback from a Tier 2 Supervisor to initiate a manual trace. Neither callback occurred. I am being actively stonewalled by frontline support while XXXX XXXX XXXX retains my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
Company Name : AFS CS d/b/a Three Sticks Lending Loan/Account # : XXXX Dates of Issue : Loan dated XX/XX/year>, first debit XX/XX/year> Amount : {$350.00} unauthorized ACH debit today from my XXXX XXXX XXXX account What Happened XXXX XXXX XXXX charged 494.5 % XXXX on {$1800.00} installment loan to CA XXXX, violating California Fair Access to Credit Act XXXX 36 % XXXX XXXX for loans under $ XXXX ). Only debited today despite predatory terms. Revoking ACH per XXXX XXXX full refund of debit and void excess interest. Actions Taken by Company : Ignored CA usury laws claiming tribal sovereign immunity. Address : XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Phone : ( XXXX ) XXXX. Email : XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally express my disappointment regarding the handling of my SBA loan application with Huntington Bank. For the past several months, I have invested a significant amount of time and effort completing paperwork, responding to requests, and providing documentation in a timely manner. I have made every effort to cooperate fully and move this process forward in good faith, with the expectation that the same level of diligence would be applied on the banks end. Unfortunately, due to what appears to be unnecessary delays and a lack of urgency in processing my file, my loan has now extended beyond the closing timeline associated with the promotional rate I originally applied for. Because of these delays, I have now lost the promotional rate opportunity, and I have been informed that changes in SBA regulations further complicate the situation. It is extremely frustrating to be placed in this position after dedicating months of time, energy, and documentation to this process, only to lose the benefit of the program due to circumstances that were outside of my control. From my perspective, it appears that someone along the way failed to move this process forward in a timely manner. As a small business owner, I understand the importance of deadlines, accountability, and professional responsibility. When those standards are not met, it creates a very negative experience for the customer. At this point, the handling of this loan has left a very poor impression, and it has caused me to seriously reconsider my banking relationship with Huntington Bank. I have spent a considerable amount of time working through this process, and it is extremely disappointing to feel that my time and effort were ultimately wasted. Before making any final decisions regarding my banking relationship, I would appreciate a clear explanation of what occurred, why the process was delayed, and whether there is any way Huntington Bank can still honor the promotional terms that were available when I originally applied. I look forward to your response. Sincerely, XXXX XXXX 's XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
The are calling family members I dont even talk to anymore and disclosing that I have unpaid debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I disputed several collection accounts reported by Bull City Financial Solutions and requested proper debt validation. In response, the company only provided billing statements from XXXX XXXX XXXX and instructed me to submit an identity theft packet. Billing statements alone do not constitute proper validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Bull City Financial Solutions failed to provide documentation proving legal ownership of the debt, proof of assignment from the original creditor, or a signed agreement for the alleged services. Additionally, the accounts appear to represent multiple collection tradelines originating from the same XXXX XXXX XXXX provider, which may constitute misleading or inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Because the debt has not been properly validated, I am requesting deletion of these accounts from my credit report and cessation of all collection activity until proper verification is provided, in accordance with the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: UT

Complaint narrative:
I am filing a complaint regarding repeated and excessive phone calls from this company while attempting to collect an alleged debt. Over the past several days I have received approximately XXXX calls per day from this company. The calls are coming from multiple different phone numbers, which appears to be an attempt to bypass call blocking. I have answered several of the calls and clearly told the representatives multiple times to stop calling me and to communicate with me in writing instead. Despite these requests, the calls have continued repeatedly throughout the day. At this point I have received well over XXXX calls after telling them to stop contacting me by phone. This level of repeated calling is disruptive and appears to be harassment. Using multiple phone numbers to continue contacting me after I have requested that the calls stop is unacceptable. I am requesting that this company immediately cease all phone communication with me and only communicate with me in writing if necessary. I also request that this matter be investigated for potential violations of the Fair Debt Collection Practices Act related to harassment and excessive phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: AZ

Complaint narrative:
I am the spouse of a XXXX, and I previously went back to XXXX for my XXXX XXXX XXXX under chapter XXXX. I graduated last year in 2025. I was told by I had received a letter from the department of Treasury saying I owed a balance. When I contacted the XXXX, they stated there was a clerical error I had a XXXX balance. I explained that to the department of Treasury and they insisted I did owe. In order to keep them from sending the balance to collection, I made a payment, but it wasn't a payment in full. I since verified again through the XXXX again that it was a clerical error and I didn't owe anything, however. The Department of Treasury sent the balance to collection. I have proof I do not owe this balance. In fact, I am owed the payment I made to them for their mistake. I just want this situation made right and the balance removed from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: AL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Opened a Wells Fargo checking account ending in XXXX using the promotional code Wells Fargo emailed. After meeting all the conditions I didnt receive the {$400.00} bonus. I contacted Wells Fargo on XXXX and the person I spoke with did nothing except stalling so Id get mad and hang up. She told me Id receive an email with the creation info about my inquiry and I didnt. Id like the {$400.00} promised.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-06 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: Chime Financial Inc
State: TX

Complaint narrative:
Unauthorized transactions were made from my checking account with Chime after my XXXX account was hacked. The attacker used my debit card information to purchase XXXX and transfer the XXXX to other accounts without my authorization. After discovering the transactions, I immediately contacted XXXX support and reported the account compromise. XXXX confirmed that my account had been accessed by a hacker and restored my account access. I then filed a dispute with Chime for the unauthorized transactions and provided an explanation that the charges were fraudulent. However, Chime denied my dispute and refused to refund the unauthorized charges. I am requesting that Chime reopen the investigation and refund the money taken from my account due to these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of my debit card dispute for a hostel stay that was unsafe and not as described. I filed the dispute promptly, and Chase has historically issued provisional credit within hours. This time, I was told conflicting information and denied reasonable assistance. The merchant provided unsafe and unsatisfactory accommodations, including multiple room changes, unsafe conditions, and failure to address my concerns. I disputed the charge with Chase, and I was told the provisional credit was in the approval stage, but no timeline was provided. I attempted to follow up using the phone in the Chase branch lobby because my personal phone connection is unstable. During these calls, two supervisors were dismissive and refused escalation. One supervisor stated they had 10 days and refused to let me speak with anyone else. Another supervisor acknowledged the delay but refused to assist or consider my hardship. I am experiencing financial hardship and need the provisional credit to be reviewed promptly. I am requesting that Chase provide a clear timeline, issue the provisional credit without further delay, and address the mishandling of my calls and escalation requests. I am asking the CFPB to ensure that Chase follows proper dispute procedures, provides accurate information, and treats customers fairly during the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Municipal Collections of America Inc.
State: AZ

Complaint narrative:
Municipal Collections of America has called me multiple times a day after I asked them to stop calling. They continue to call and leave voicemails.

Company response to consumer: Closed with explanation