vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing regarding my Wells Fargo credit card account ending in XXXX. On XX/XX/year> Wells Fargo debited a payment of {$5500.00} from my linked checking account via ACH. The funds have been removed from my checking account, but Wells Fargo has placed a hold on applying this payment to my credit card balance for approximately 5 days for no valid reason. There is nothing unusual about this payment and I make this size payment regularly. I have contacted Wells Fargo customer service by phone three times to resolve this issue and escalated the matter to supervisors, but the hold remains in place with no resolution or clear explanation provided. This delay is preventing the payment from being credited, which is affecting my available credit and has caused me significant financial harm. Specifically, this hold may result in the loss of a short-term rental booking that I had secured. I have already incurred {$5000.00} in airline fairs and there are no other suitable similar accommodations. Additionally my daughter is trying to pay for her dorm at college. This situation appears to violate fair payment processing practices. Under Regulation Z and the Truth in Lending Act, timely payments should be credited appropriately, especially when the funds have already been debited from my account. I initiated the payment well in advance, and the ongoing hold is unreasonable and causing me direct damages. Requested Resolution : Immediately release the hold and apply the full {$5500.00} payment to my credit card account as of the debit date. Restore my available credit limit without penalty. Reimburse me for any fees, interest, or damages caused by this delay, including {$5000.00} related to the short-term rental booking. Provide written confirmation of the resolution and steps taken to prevent this from recurring. Confirm in writing that no negative reporting will be made to credit bureaus as a result of this issue. * put a note on my credit card to never decline a transaction as I pay my card off every month so this never happens again. 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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX SC XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A copy of the original signed agreement or contract 4. A complete payment history, including all charges, fees, and interest 5. Proof that your company is authorized to collect in my state 6. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have had this collection removed by submitted a dispute through here already. JEFFERSON CAPITAL SYSTEM re-aged the collection without notification and put it back on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: TX

Complaint narrative:
I am disputing XXXX XXXX collection entries that appear on my credit report related to XXXX XXXX XXXX XXXX XXXX. These charges are not mine. I have never visited this provider or received any XXXX services from this facility at any time. The reported amounts are : * {$2000.00} * {$2000.00} * {$2100.00} I did not authorize any of these services, and I have no knowledge of these accounts. These charges appear to be either a billing error or possible XXXX activity. I request a full investigation and validation of these debts, including proof of services rendered, signed medical consent forms, and any documentation linking me to these accounts. If the provider can not verify these debts with proper documentation, I request that all XXXX entries be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Tn XXXX Jefferson Capital System XXXX XXXX XXXX XXXX XXXX MN XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt XXXX. A copy of the original signed agreement or contract XXXX. A complete payment history, including all charges, fees, and interest XXXX. Proof that your company is authorized to collect in my state XXXX. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
Back in in XX/XX/year> I called Chime to turn off the credit builder account card. I was unaware that it was a credit card when I was trying to make a payment to stop my car from getting repossessed. They said that was a credit card and they did not take it so I had to call Chime to cancel out the credit builder app because I didnt want to use it.I didnt want it, didnt know it was a credit card and cut it off. The service member said they would its closed so today fast forward XX/XX/year>. I see that my transactions have been manipulated. My credit builder card is turned back on even though I called to turn it off. I did not authorize consent for them to turn it back on or to manipulate my transactions. I did not authorize or give consent for these transactions or for my money to transfer from this credit builder account that I closed out, I was told by XXXX employees customer service representatives that it was closed in XXXX but then they closed it today due to no activity. My car had been closed out when I called back in XXXX and I did not have transactions of the credit builder, reflecting in my transaction history when I looked on the app, but now they are appearing in the app. They were not there last week of XX/XX/year>. They are reflecting now XX/XX/XXXX of XXXX as the credit builder app is reflecting on all of my transactions that werent there previously before they manipulated my banking history information they have lied and distorted my banking history information and turned on the car that had been previously previously disconnected and turned off. I called the representatives of Chime tonight at XXXX PM. They hung up on me after they transferred the call cause I wanted to file a dispute because of their manipulation of my banking records. And a man manipulating unauthorized transactions on my bank banking.. I have uploaded banking statements where this credit builder app is showing still reflecting that wasnt there before

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, I am requesting validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. The full account number associated with the alleged debt 3. A copy of the original signed agreement or contract 4. A complete payment history, including all charges, fees, and interest 5. Proof that your company is authorized to collect in my state 6. Proof that I am legally obligated to pay this debt Until you provide proper validation, you must cease all collection activity and reporting to credit bureaus. If this debt can not be validated, you must remove it from my credit report and cease collection efforts immediately. I also request that all future communication be in writing only. This is not a refusal to pay, but a request for validation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: NJ

Complaint narrative:
On XX/XX/XXXX, i wasXX/XX/XXXX at XX/XX/XXXX they took my phone and other belongings ive been trying for over a year now to get my {$310.00} back they keep telling me there unable to because no error was found the people that robbed me are currently inXX/XX/XXXXXX/XX/XXXX i spoke to a detective and multiple police officers as well, this is an issue im having with chime. i have had to use my credit card to purchase things when i didnt have the money sometimes overpaying because its a credit card i was crying for numerous nights with no phone scared to go outside just terrified to do anything because they know other people

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding an alleged debt being collected by Jefferson Capital Systems. I dispute the validity of this debt and request investigation. There is no valid enforceable contract supporting this alleged obligation. To the extent any agreement previously existed, the contract was canceled on or about XX/XX/year>2025 and no legal basis exists for continued collection efforts. I have requested verification and documentation establishing the debt, including a signed agreement and proof that the contract remained enforceable after cancellation. To date, I have not been provided sufficient evidence supporting the validity of this account. Despite the disputed nature of this matter, collection efforts and/or credit reporting have continued. I am requesting that the company provide competent evidence of a valid contractual obligation or cease collection activity and remove any inaccurate reporting associated with this disputed account. Desired resolution : Investigate the account, cease collection efforts unless properly validated, and correct or remove any inaccurate reporting related to this disputed debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/year> i transfered money from my apple pay wallet to my chime account so that i can pay my light bill, phone bill and buy groceries. after i did the tranfer i went to the atm close by my house to get the money off. i put my card in as usual then i entered XXXX and pressed continue then i was propmted to take my card out of the atm and the screen said processsing and it made noises as if counting money then it just stopped andthen said processing again then stopped and printed a reciept the door to grab the money never opened or anything but it took the money off my card. so i called chime immeditaly and disputed it i havent used my card before at the atm this was my first time. i had to then borrow money from my girlfriend because i was unable to pay the bill and put gas in the car i need this money back because i have to pay her back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
on XX/XX/year> there was {$70.00} deposit posted to my account but pending on XXXX there was {$30.00} deposit posted to my account but pending XXXX XX/XX/year> there was another {$30.00} deposit that was posted to my account but pending on XX/XX/year> there was {$39.00} deposit posted to my accounty but pending on XX/XX/year> there was {$29.00} deposit posted to my account but pending XXXX XX/XX/year> there was {$40.00} deposit posted to my account but pending On XX/XX/year> there was a {$39.00} deposit posted to my account but pending but i was only given credic for XXXX {$30.00} deposit I have pictures of the transactions from the lottery and the funds on the bank of those days

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 2026-05-26 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: ME

Complaint narrative:
I opened a CareCredit card to work with XXXX for suresmile. It was a {$4000.00} purchase but at the time there were XXXX different charges as we were waiting for retainers and other treatment accessories. CareCredit constantly kept opening disputes which caused the dentist to no longer accept care credit and which 2000 $ was returned to me for the service and then 2000 $ was kept by XXXX. Almost a half of a year goes by and I finally sit down with the merchant to talk on the phone with care credit about why I am being double charged since their office only recieved {$2000.00} and not the {$4000.00} I am being charged. They said they were going to reverse my interest rate to 0 % for 6 months ( because of the confusion ), refund me the XXXX $ they charged for the interest along with the 2000 $ owed. They said that was going to be returned on Friday XX/XX/XXXX and hasnt. Every time XXXX contact care credit there is a different story and constant disputes theyre trying to reopen. Again, I have proof that CareCredit has been double charging me and can have the merchant also help me prove this case with their transaction and bank history.

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 2026-05-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In early XXXX, XXXX separate collection accounts related to XXXX were placed on my credit report by Credence Resource Management and XXXX XXXX XXXX XXXX Both companies are reporting different balances for the same alleged XXXX account. I have never had an account with XXXX, and I have never received any bills, notices, or verification from XXXX showing that I opened or used any services.I disputed both accounts through Credit Karma and the credit bureaus XXXX XXXX beginning in XX/XX/year>. Despite these disputes, the accounts remain on my report with no corrections, no verification, and no proof of any debt.Credence and Waypoint have not provided any documentation showing that : I opened a XXXX account I authorized any services I owe the amounts they are reporting They have the legal right to collect on the alleged debtBoth companies continue to report different amounts for the same alleged XXXX debt, which is inaccurate and misleading. These accounts are negatively affecting my credit.I also received collection calls before XXXXXXXX XXXX, which violates the FDCPA.In addition to the collection issues, XXXX XXXX is displaying false personal information about me, including listing occupations I do not have ( such as caregiver and cosmetologist ) and showing an incorrect address. I have disputed this incorrect personal information multiple times, but XXXX XXXX has not corrected it. This inaccurate information is contributing to identity confusion and may be affecting how the credit bureaus match and verify my XXXX.I am requesting that XXXX, Credence Resource Management, XXXX XXXX XXXX, and XXXX XXXX provide full validation of the alleged debt and correct all inaccurate personal information. If they can not validate the debt or correct the false information, I am requesting that the accounts be removed and the inaccurate personal data be corrected immediately. I opened a XXXX account I authorized any services I owe the amounts they are reporting They have the legal right to collect on the alleged debtBoth companies continue to report different amounts for the same alleged XXXX debt, which is inaccurate and misleading. These accounts are negatively affecting my XXXX also received collection calls before XXXXXXXX XXXX, which violates the XXXX XXXX requesting that XXXX, Credence Resource Management, and XXXX XXXX XXXX provide full validation of the alleged debt, including proof of account ownership, service usage, and assignment of the debt. If they can not validate the debt, I am requesting that the accounts be removed from all credit bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of XXXX XXXX and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Company : Capital One Credit Card I applied for a Capital one XXXX XXXX Credit card and was approved for {$300.00} limit. In my application it asked me for my status in the U.S and I clearly stated that I was not a U.S. citizen but a resident. I received my card and when I went to use it for the first time, they declined the purchase and immediately restricted the account and asked for me to call to confirm the transactions. I called and did as they asked and then they are asking me to submit my government issued Id, proof of address and proof of income. I explained to the representative that I am not a citizen so therefore I do not have a government issued id because of my status. They did not give me any options besides that but were quick to charge the card the annual fee and still the account is still restricted. I find this very unfair that you are approved for a card and you can not use it because they ask for these documents after they send you the card. I would like for them to lift this restriction because I do not have a government issued id to submit and if this was the case why did they approve me for the card in the first place. These credit card companies always find a way to get a hold of their money but then do not allow you to use the credit they approved you for. I was counting on this car to take care of some things and to build my credit. These restrictions should be stated before you actually send a card to a consumer, and they believe they can use the credit they were approved for. Now i owe a annual fee for a card that haven't even used.

Company response to consumer: Closed with explanation