vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I am requesting a goodwill review of interest charges that occurred after a promotional APR period expired on my Wells Fargo credit card. I unintentionally missed the expiration of the promotional APR and was subsequently charged interest for two billing cycles : {$210.00} on the first statement and {$190.00} on the following statement, totaling {$410.00}. My request was reviewed by Wells Fargos complaint department, but I was informed that the interest could not be waived. I then requested that my case be escalated to the Wells Fargo Executive Office for further review, which is currently pending. To demonstrate good faith and resolve the matter responsibly, I have since paid the entire remaining balance on the account except for the specific interest charges that are in dispute. I am not disputing the underlying purchases or the validity of the account. My request is simply for Wells Fargo to consider a one-time goodwill removal of these interest charges given the circumstances and my prompt efforts to address the balance. I value maintaining a positive relationship with Wells Fargo and hope the bank will reconsider this request. Thank you for your time and 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 monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
WISE.com is not letting me transfer money from my account. Their excuse is that I need to wait XXXX days for this transaction. Attached is a screenshot of their denial message and a screenshot of my bank 's account showing that my previous money transfer transactions cleared my bank account on Monday, XX/XX/2026. So their bank should have received money from my account on the same day. They could have verified these deposits in their bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VT

Complaint narrative:
I disputed a XXXX XXXX account on myXX/XX/XXXX credit report in XX/XX/year> and the account was removed after that investigation. In XX/XX/year> the same debt appeared again as a collection account reported by IC System. I disputed the IC System collection with XX/XX/XXXX and it was verified as accurate. I then requested the Method of Verification by mail under the Fair Credit Reporting Act XXXX ( a ) ( XXXX ). XX/XX/XXXX did not provide any response to this request. Additionally, I never received a written validation notice from IC System regarding this alleged debt as required under the Fair Debt Collection Practices Act. Because the investigation procedures were not properly followed and the required verification information was not provided, I am requesting that this collection account be permanently deleted from myXX/XX/XXXXcredit report. XXXXgnored Method of Verification Prior deletion Collector reporting later No validation

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Marauder Corporation
State: AL

Complaint narrative:
Complaint number XXXX On account number XXXX the company never responded within the timeframe please remove this debt collection off of my credit report. I did not sign a contract with this third-party and they are unable to send a debt validation letter. XXXX XXXX XXXX According to US Law code 15USC code 1692C If a consumer notifies a debt collector that the consumer refuses to pay a XXXX the debt collector must cease all communication however in this case the debt collector continues to reach out. STATUS Sent to company on XX/XX/year> XXXX company response.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This debt collector has engaged in practices that appear to violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to the credit reporting agencies without my authorization and without any signed agreement or contract between myself and this collector. To my knowledge, I have never entered into any contractual relationship with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under federal law. Despite reporting this account to the credit bureaus, the collector has failed to supply sufficient documentation proving that I am legally responsible for the debt, including a signed agreement or other verifiable evidence. Reporting an unverified debt and failing to properly validate it may constitute a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This inaccurate and unverified information is negatively impacting my credit profile. I am requesting that this account be thoroughly investigated and, if the company can not provide proper validation and documentation supporting the accuracy of the debt, that it be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am attempting to contact Westlake Financial regarding my auto loan balance of {$3600.00} to discuss resolving the account with a lump-sum payment. I successfully spoke with a representative yesterday and was told to call back today to see if an update was made upon their review, but since then the automated phone system repeatedly states it is unable to transfer me to a live representative. I have called multiple numbers and can not reach customer service. I am trying to responsibly resolve the remaining balance on my loan, but the inability to reach a representative is preventing me from doing so. I am requesting that Westlake Financial provide a way for me to speak with a live representative to discuss payoff options. Whe I spoke to a live representative yesterday, I explained how I was sold a lemon. This car has dangerous defects such as the brake pump not working and the power steering dont working which results in the tire locking while Im driving. These defects were not disclosed to me. The loan is also a lot higher than what the car is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Synchrony Bank abruptly closed my XXXX credit card account at the beginning of XXXX. I paid the balance in full the same week. They were able to update my credit report to reflect the account was closed at the grantors request but are still showing I have a {$440.00} balance. I do not and this needs to be updated. Its been over a month.

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 2026-03-12 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: GA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I expressly and formally dispute the legitimacy of the referenced accounts and deny authorizing their establishment. I demand a thorough investigation and prompt removal once verified. Relevant documentation is provided.

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 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/year> I received my tax refund to my XXXX XXXX XXXX account and used that money to pay the balance on my Capital One Card XX/XX/year> I received a notice from Capital One Bank that my credit card had been restricted. I called that day and was told that I should have already sent in bank statements confirming ownership of the account I made the payment from. I had not received any communication regarding this, the only communication from Capital one was the notice that my account had been restricted. I requested a link to provide the documentation and was told one would be sent to my email XX/XX/year> no link had been sent so I called capital one and requested again. The link was sent and I provided the bank statement in my name showing the transactions from the IRS to my account and from my account to my capital one card XX/XX/year> I received a message from my mother, who is neither an owner nor a signer on my cards or accounts there, that capital one was calling her looking for me to discuss my credit card XX/XX/year> I called capital one to see what the update was and was told that the bank statement I provided was not sufficient proof that I owned the account and that my credit card would remain restricted until I could provide them with a deposit slip or voided check. This is not a checking account that I use for anything other than receiving my tax refund every year so I do not have any other documentation I can provide and will now be unable to use my credit card. Capital one was also reaching out to non account holders who's phone number is not listed anywhere as a point of contact and giving out information about me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX membership that was improperly continued and later sent to collections through Aldous & Associates. On or about XXXX XXXX I went in person to my XXXX XXXX location to cancel my membership. At the time I did not have access to email. I explained this to the staff and requested that my membership be cancelled in person. The staff refused to process the cancellation and told me it could only be done by email. Because they refused to process the cancellation request in person, the membership continued to bill my account for additional months. Those charges were later sent to collections through Aldous & Associates and have now affected my credit. I made a clear and reasonable attempt to cancel my membership in person, and the gym refused to process the cancellation even though I physically appeared at the location requesting termination. Continuing to bill a consumer after refusing a reasonable cancellation request is an unfair and deceptive billing practice. I am requesting that the collection account be investigated and removed, and that XXXX XXXX cease attempting to collect charges that resulted from their refusal to process my cancellation request. I am also requesting that any credit reporting related to this account be corrected or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
Validation of Debt Request - NATIONAL CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I noticed inaccurate information being reported by Navy Federal credit union that was on my credit report for years thats inaccurate and by law it needs to be removed from all three credit bureaus. The bank sent me the right documents for verification as it is different on my credit report. Please remove this information ASAP fromXX/XX/XXXX, XXXX XXXX andXX/XX/XXXX Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Formal Complaint and Demand for Electronic Signature Records Barclays Compliance Department Re : Demand for Electronic Signature and Account Formation Records Dear Compliance Officer, This correspondence follows your written response stating that the above-referenced accounts were opened online and that no signed application exists. Because you assert the existence of a valid contract formed electronically, federal law requires that such electronic signatures and records be retained and capable of reproduction. Under the XXXXectronic Signatures in Global and National Commerce Act ( XXXX XXXX. XXXX ), a party relying on an electronic signature must be able to demonstrate : XXXX. The consumers consent to conduct transactions electronically ; XXXX. Attribution of the electronic signature to the consumer ; XXXX. XXXX of the electronic record in an accurate and reproducible form. Accordingly, please produce the following records for each account : XXXX. The original electronic application submitted for the account ; XXXX. The electronic signature or authentication record ; XXXX. IP logs, timestamps, and device identifiers associated with the application ; XXXX. The version of the cardholder agreement presented at the time of application ; XXXX. Proof of delivery of disclosures required under the Truth in Lending Act ( XXXX XXXX. XXXX ) and Regulation Z. Federal courts have held that electronic agreements are enforceable only when clear assent and attribution are demonstrated, including : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX XXXX XXXX Bank ( XXXX ), XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Your response to the Consumer Financial Protection Bureau acknowledged that no signed application exists. Accordingly, please clarify whether the above electronic-signature records exist and provide them for verification. If such records can not be produced, please explain the basis upon which your institution claims a valid electronic agreement was formed and continues to report this account to consumer reporting agencies. Please provide the requested documentation within fifteen ( XXXX ) days. Respectfully, XXXX XXXX XXXX XXXX / Trustee THE XXXX XXXX XXXX IRREVOCABLE TRUST

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 2026-03-12 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: CL Holdings LLC
State: CA

Complaint narrative:
This collection is involved in litigation fraudulent charges made on account that I have no knowledge of and company is threatening to impact my credit which happened and report to other people about a debt I have no understanding on because it is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I accidentally sent a {$16000.00} Paypal Friends and Family payment to the wrong recipient. I noticed the error immediately and reported it to paypal right away. I also contacted my bank immediately and they stopped the ACH payment before the funds were sent from my account. PayPal processed the payment through an instant transfer and paid the recipient before collecting the funds from my bank. Because my bank stopped the payment, PayPal now shows my account with negative {$16000.00} balance and is attempting to collect the money from me. I have repeatedly asked Paypal whether they attempted to recover the funds from the recipient account, but they have stated they will not contacted the recipient and will only attempt to collect the funds from me. I am requesting that Paypal attempt recovery of the mistakenly sent funds from the recipient account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation
State: LA

Complaint narrative:
Validation of Debt Request - UNITED REVENUEXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation