vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I contacted Well Fargo Auto XXXX XXXX XXXX XXXX Customer Service to request payment assistance due to my late car payment. I am XXXX resident of North Carolina which had been hit with back to back life threatening winter snow storms. 

Well Fargo had emailed me earlier ( prior to my phone call ) about my late payment and at the bottom of the email it read : We're here to help If you're having financial difficulties, please call us at XXXX, Monday Thursday, XXXX a.m. to XXXX p.m., Friday, XXXX a.m. to XXXX p.m., and Saturday, XXXX a.m. to XXXX p.m. Central Time. 


Upon speaking with the representative, I advised them that I had been effected by the impacts of the winter snow storm and therefore needed assistance with my payment. The representative showed no empathy and was increasingly aggressive with trying to collect the payment. The rep also stated that since there was no written communication regarding the weather event for NC then my request for assistance was not valid. I advised the rep that the weather event was published all over the news, from the XXXX XXXX XXXX among other channels of information. 

They shouldn't give false hope to people, encouraging them to reach out for help if they do not intend to help or dismiss a person 's experience.

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 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had to get an account with XXXX XXXX to pay for putting down my cat. I was told that there would be no interest for six months. What I was not told is that the interest would build up and they would force me to pay it all at once. They also tried to scam me by putting service charges on my account that I never agreed to. The main charges I am trying to dispute are the ones on XX/XX/XXXX for {$370.00} and XX/XX/XXXX for {$59.00}

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent account that does not belong to me ( SEZZLE INC account XXXX XXXX XXXX XXXX XXXX XXXX ). I previously disputed this account with the credit reporting agencies and Creditor ( SEZZLE INC ) providing notice that the account resulted from fraud/identity theft. Despite this, the account was marked as verified without any meaningful investigation.

( SEZZLE INC ) : failed to provide any evidence that I am responsible for this account, such as a signed contract, application, or proof of identity verification. Simply confirming information already in their system does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
This inaccurate reporting is causing ongoing harm to my credit profile. I am requesting that ( SEZZLE ) and credit bureaus conduct a proper investigation and permanently remove this fraudulent account from my credit reports. If the account can not be substantiated with competent evidence, it must be deleted. 
I am also requesting written confirmation of the investigation results and documentation relied upon to verify this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I discovered that I had accidentally made XXXX bill-pay payments to my Capital One credit card, resulting in a clear overpayment. I confirmed with my credit union ( XXXX XXXX XXXX ) that XXXX payments were sent in error. 

I contacted Capital One on XX/XX/year>. A representative reviewed my account, confirmed the duplicate payment, verified my personal information, and told me a refund would be issued. I requested an electronic or expedited refund, but was told the refund would be sent by XXXXXXXX XXXX only. 

Despite this confirmation, Capital One later rerouted the matter to investigation/fraud. A supervisor subsequently acknowledged that this was not fraud and that the duplicate payment was clearly visible, but stated the matter was under investigation. 

On XX/XX/year>, I received written notice stating : We received your request to refund your payment for {$5000.00}. Unfortunately, your payment cant be refunded at this time. No explanation or legal basis for refusing to return my funds was provided. 

Capital One currently shows a negative balance of {$5000.00} on XXXX of my accounts, clearly indicating an undisputed credit balance being held by Capital One. The funds were accepted, posted, and internally allocated by Capital One. 

This is not a disputed charge, fraud claim, or billing error. It is an undisputed overpayment. I am formally demanding immediate return of my {$5000.00} credit balance. 

Please release these funds without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Company : XXXX XXXX XXXX Date open XX/XX/year> Amount {$3600.00} I tried disputing this but it does t give me that option tried reaching out to the collection and ask why did they report the exactly same collection twice. so it in my credit report XXXX times.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am a victim of an XXXX XXXX involving a wire transfer of {$90000.00} to a Citibank account ( Account # XXXX, wired on XX/XX/XXXX ). Upon realising the scam, on XX/XX/XXXX, I requested my bank ( XXXX ) to request a wire recall. For which, Citibank representatives requested to provide police report and indemnity as the transaction was involved in a scam. Hold harmless letter was sent on XX/XX/XXXX. The filed XXXX report was also sent to Citibank during the next few days. When I checked the status of recall, my bank on XX/XX/XXXX said that Citi Bank contacted beneficiary several times for the debit authorization but the beneficiary never responded. They advised me to recover the funds through legal means. I contacted XXXX special agent to XXXX XXXX ( XXXX XXXX XXXX XXXX ) for his assistance to recover the funds. Agent XXXX spoke to Citi bank XXXX XXXX and confirmed that Citi Bank requested XXXX bank to make some modifications in XXXX and XXXX bank responded with those changes. When I checked with XXXX bank about the status on XX/XX/XXXX, they confirmed that Citi bank stopped responding to my bank communications. 

The wire transfer details : Beneficiary Bank Name : Citi Bank Account Holder : XXXX XXXX XXXX Account Number / IBAN : XXXX SWIFT / Routing Number : XXXX Bank Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Receiving Country : XXXXXXXX XXXX Date ( XXXX ) : XX/XX/XXXX Amount ( XXXX ) : {$90000.00} Transaction Reference XXXX JPM Case ID : XXXX I would like to request that Citibank must immediately process XXXX pending wire recall and return the funds to the originating Chase account. I request that this be escalated to the Citibank XXXX XXXX XXXX ( XXXX ) for their attention to review of the communication logs with XXXX and the XXXX and resolve the issue.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
Date XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Cease Communication Request Account No. XXXX To Whom It May Concern, This letter is sent pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I hereby demand that you cease all communication with me regarding the above-referenced account. 
You are instructed to stop contacting me by phone, mail, email, text message, or through any other means. The only communications you are permitted to send are those allowed by law, such as written notice confirming that you will cease further contact or that you intend to take specific legal action. 
Failure to comply with this request may result in legal action against your company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
The accounts are XXXX, AFFIRM, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. 
I have disputed these accounts as they are paid in full but somehow went to my collections even though I was never late so they shouldn't have. This has hurt my XXXX XXXX significantly and I need these removed by law. I have sent XXXX letters as well as disputes. It's been over XXXX days and I haven't gotten any information back. Per fair credit act, they HAVE to send verification documents to me or else they have to comply with my dispute. Please help me get this resolved as they keep denying disputes but not complying with the XXXX letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: DRB-40, LLC
State: LA

Complaint narrative:
15 us 1681a 2. Reporting information that is said to be excluded from my consumer report that invokes information as to transaction or experience between myself and a creditor. Delete late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
SUPPLEMENTAL FRAUD STATEMENT & FACTUAL CLARIFICATION Fifth Third Bank Account XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am submitting this letter as a supplemental statement and factual clarification regarding my pending consumer fraud complaint involving Fifth Third Bank and an account associated with my Social Security number. 

Fifth Third Bank has stated that an account in my name was opened on or about XX/XX/XXXX, and closed in XXXX. During a recorded telephone call with a Fifth Third Bank representative, I was informed that the account was associated with : An XXXX XXXX XXXX  address,. An XXXX XXXX Address at which my XXXX still resides The account was opened with A landline telephone number Connected the XXXX XXXX address since XXXX I wish to clarify the factual record as follows : I was physically residing in XXXX XXXXXXXX XXXX in XX/XX/XXXX ; however, During this same period, I was actively seeking employment outside XXXX including in XXXX XXXX XXXX XXXX ; I accepted employment in XXXX  in XX/XX/XXXX and relocated shortly thereafter ; I did not knowingly open, authorize, or manage a new Fifth Third Bank account in XX/XX/XXXX, despite being present in XXXX XXXX at that time. 

The use of a landline telephone number tied to the XXXXXXXX XXXX residence, since XXXX, combined with the timing and nature of the account opening, is inconsistent with my personal financial practices and intentions during that period, when I was preparing to leave the state and transition employment. 

I further state that the telephone call in which the XXXX XXXX address and landline Phone number were disclosed was recorded, and the recording is preserved. This supplemental statement is submitted to ensure the record accurately reflects both my physical presence and my lack of authorization or intent with respect to the account. 

I respectfully request that this clarification be added to my file and considered part of my pending consumer fraud complaint. 

Please confirm in writing that this supplemental statement has been received and associated with my case. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year> I leave my debit card inside atm machine after taking cash out .. I went home I wake up next morning and someone took XXXX dollars out of my checking account I went to bank immediately and closed that account and got a new card after filling a dispute XXXX days later PNC bank said they declined my dispute because they said that I said the card was still on my position which is not true I told them the card wasn't on my position and I leave the debit card in atm machine after I took out money and leave .I leave my debit card at XXXX XXXX XXXX with all my information after I took out the cash from atm..... there is missing XXXX and bank refused to give my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a couch for {$1200.00} using a promotional financing offer advertised as XXXX months of 0 % interest with synchrony bank. I made payments totaling approximately {$870.00}, primarily minimum payments, believing the balance would decrease without interest during the promotional period. 

I was never clearly informed of the exact promotion end date or that making minimum payments would result in interest being applied or the balance increasing. I did not receive clear or conspicuous notice explaining how or when the promotion would end or how post-promotion charges would be calculated. 

Recently, I discovered the remaining balance is approximately {$1100.00}, which does not align with a 0 % interest promotion given the payments made. I contacted the company to dispute the charges and requested documentation showing that proper notice of the promotion end date and post-promotion terms was provided. 

Company representatives were unable to identify or provide documentation showing that I was properly notified of the promotion end date or the consequences of making minimum payments. I formally disputed the charges under the Fair Credit Billing Act and informed the company that I would submit the dispute in writing. 

I am requesting correction of the account, reversal of any interest or charges applied due to lack of proper disclosure, and written confirmation of the promotion terms and account correction.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
I am filing a complaint regarding an unresolved XXXX XXXX refund that has not been applied to my auto loan. 

I submitted a cancellation request for third-party XXXX XXXX on XX/XX/XXXX, including all required documentation. The warranty XXXX ( XXXX ) confirmed on XX/XX/XXXX that the cancellation was processing and that the refund would be applied directly to my loan balance. 

As of today, more than XXXX months after submission, the refund has not been applied to my loan, and no firm completion date has been provided. I have followed up multiple times and continue to receive only vague responses such as processing. 

The last email request I sent was on XX/XX/XXXX. And the dealership finance guy was cc in all communications.

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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of an auto loan following an insurance settlement related to a car accident. 

The XXXX payout for the accident left a {$170.00} residual balance due to claim conditions. I was not clearly notified that this balance would remain due after the XXXX payment was applied. This was part of an ongoing XXXX and XXXX XXXX and was not the result of intentional non-payment or negligence on my part. 

I have been attempting to resolve this matter for several weeks, contacting Bank of America multiple times. Despite explaining that this was an insurance-related shortfall and requesting hardship accommodation, Bank of America has refused to provide meaningful assistance. 

I previously filed a complaint, which was closed without resolution, even though the underlying issue remains unresolved. 

I am requesting : Recognition that this balance resulted from an XXXX settlement shortfall Waiver of any late fees or penalties Correction or prevention of any negative credit reporting Proper documentation that this was not a delinquency caused by customer inaction I am willing to immediately pay the {$170.00} once the account is properly adjusted to reflect the XXXXrelated nature of this balance. 

Closing my prior complaint without addressing these issues does not constitute resolution. I am requesting a formal review and written response.

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 2026-02-05 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: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I was set up on on a XXXX year interest free promotion at the XXXX XXXX store through synchrony and the sales lady put me on lowest payment possible without my consent and after the XXXX years of the interest free, I had a remaining balance and had {$4000.00} worth of built up interest I owe with no warning. I basically paid for the XXXXXXXX XXXX and no one can or will help me dispute it. " Nothing they can do ''. I felt like this was dishonest. Synchrony was so unhelpful and misleading. No correspondence, nothing.

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 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2026, Wells Fargo Bank , N.A . placed my business checking account into review and subsequently determined that it would exit the banking relationship for internal risk-management reasons. 

Wells Fargo representatives confirmed that there were no allegations of fraud, misconduct, or illegal activity, and that my identity and business documentation had been reviewed and verified. 

Following this determination, Wells Fargo placed the account into involuntary auto-closure and informed me that all customer-initiated withdrawals would be restricted. I was advised that the full account balance would not be released until approximately XX/XX/2026, at which time a cashiers check would be overnighted as part of Wells Fargos closure process. 

I have repeatedly requested information regarding whether this extended delay in releasing funds is a policy requirement or an internal processing timeline, and whether earlier or alternative secure disbursement options are available. I have not been provided with a clear explanation as to why the funds must be held for this length of time following closure. 

I am not disputing Wells Fargos decision to close the account. My concern is that Wells Fargo is retaining 100 % of my business funds for an extended period after closure, despite verified identity, verified documentation, and the absence of any fraud allegations. This delay is causing immediate and material business harm. 

I am requesting CFPB review of whether the length of the post-closure disbursement delay is reasonable under these circumstances, and whether Wells Fargo can be required to accelerate the release of the funds or provide an alternative secure disbursement method sooner.

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