vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Business Checking account ending in XXXX. I pay {$10.00} per month for " XXXX XXXX XXXX XXXX '' plus every transaction I pay something more. 

XXXXXXXX XXXX XXXX XXXXXXXX is used to pay employees or vendors by Businesses like me. XXXX payments of {$5000.00} and {$2500.00} are sent to XXXX XXXX  on XXXX XX/XX/year> and XXXX XX/XX/year>. Most of the times within XXXX or XXXX business days target account gets this money. In this case target account belongs to me as I paid myself as an employee. 

Whenever somebody setup XXXX XXXXXXXX XXXX XXXXXXXX via Wells Fargo, everything has to provided- like Account number, routing # and the name. Wells Fargo did all the verification and it takes good XXXX days for this payee to be active. 

XXXX XX/XX/year> I reached out to Wells Fargo and told them, both {$5000.00} and {$2500.00} are sent to XXXX XXXX  are not visible in XXXX XXXX. Called XXXX XXXX  and they also told me the same. Wells Fargo opened a case. Upon checking on XXXX XX/XX/year> ( phone call ) - it seems that Wells Fargo has done absolutely nothing as they have no status to share. Shamelessly Wells Fargo was transferring me from one team to another and all of them just trying to run away and buy more time. 

After XXXX transfer I was put to Customer Complaint where I talked to XXXX. She was of no use either. She told me the case # as XXXX. No supervisor is readily available - the phrase they are being told to tell the customers. 

So essentially there is no way Wells Fargo is able to trace my {$7500.00}. Wells Fargo was given a chance to look into it. Now a CFPB complaint is being filed. 

It is very clear that Wells Fargo is so fragmented, so unorganized and totally thick skinned shameless bank. Absolutely no customer service. If they are so big and can not even tolerate their own weight then Wells Fargo should be broken up into smaller entities which are more manageable. Wells Fargo outsources it's jobs to XXXX and other countries. Hire visa folks. Work product is so bad that end customers like me are suffering. 


I need a very timely resolution of this matter. As I need to make sure that employees get paid in time. No more time buying by Wells Fargo. Periodic updates every XXXX hours. I am talking about {$7500.00} - it may not be a big amount for Wells Fargo but for Small businesses like me- it's a huge amount. Plus I get penalties for delayed payments. So much time and efforts has been done by me. I am seeing no progress from Wells Fargo. No trust on them at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing to formally dispute Citis denial of the promotional welcome bonus associated with my account. I met all requirements for the promotion ; however, Citi has incorrectly stated that my XXXX form was not received within the required timeframe. This is factually inaccurate based on Citis own correspondence and records. 
Below is a detailed timeline of events : XX/XX/XXXX Chat # XXXX : I contacted Citi to ask about the status of the promotional bonus. The representative opened a dispute under reference number XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX Citi Letter Received : I received a letter from Citi informing me that I was eligible for the promotion and needed to submit a XXXX form. This was the FIRST time I was informed that a XXXX was required. 
XXXX Mailed : I promptly mailed the requested XXXX. 
XX/XX/XXXX XXXX Received : Citi confirmed that my original XXXX was received on this date. 
XX/XX/XXXX Chat # XXXX : I reached out again and was told that my XXXX had been rejected. I immediately resent a new XXXX the next day. 
XX/XX/XXXX Second XXXX Received : Citi confirmed receipt of the second XXXX. 
XX/XX/XXXX FollowUp Contact : I contacted Citi again and was incorrectly informed that the XXXX had not been received within 90 days. I disputed this inaccurate claim and was issued a second dispute reference number : XXXX XXXX XXXX XXXX XXXX XXXX. 
At no point prior to XX/XX/XXXX was I notified that a XXXX was required for bonus eligibility. I submitted the documents promptly each time, and Citi has acknowledged receiving both XXXX submissionswell within the required timeframe. The denial stating the XXXX was late is factually incorrect. 
Given the documented timeline and Citis own confirmations of receipt, I am requesting : 1. Immediate correction of the error ; 2. Reinstatement and issuance of the promotional welcome bonus I rightfully earned ; 3. Written confirmation once the issue has been resolved.

I have made multiple attempts to resolve this through standard customer service channels without success, and the ongoing delays are unacceptable. I am requesting prompt review and resolution of this matter.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX ( XXXX ) XXXX This phone number called my husband asking for my whereabouts. I dont know how they got his number because we do not share any accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
This account is formally disputed with the Consumer Financial Protection Bureau and the credit reporting agencies. 

I hereby revoke any and all consent to be contacted by telephone at any number associated with me. 

I direct the company to cease all telephone communication immediately, including calls placed using automated dialing systems, prerecorded messages, or live agents. 

Any further contact regarding this matter must be in writing only. 

Continued telephone contact after receipt of this notice will be documented as evidence of unfair, deceptive, and abusive conduct and knowing violations of federal law, including the Telephone Consumer Protection Act ( 47 U.S.C. 227 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: DC

Complaint narrative:
Hi, I have been going back and forth with this company for months. Up till now everything was fine I just found a XXXX Charge on my account. Back in XXXX I went to California, and someone create an address in my name that I also found on my credit report I have never lived in California only visited. Back in XXXX of XXXX They tried to take money out of my account at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA denied my fraud claim by misclassifying authorized push payment fraud as an authorized transaction. 

I was the victim of impersonation and social engineering fraud and was deceived into sending funds to a scammer via XXXX XXXX. I did not knowingly or willingly authorize payment to a scammer. 

I filed a police report and an FTC fraud report on the date of the incident. Despite providing this documentation, USAA has denied my claim multiple times without a proper review. 

I am requesting an executive-level review and reimbursement under Regulation E.

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 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as provided under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. Proof that I am legally obligated to pay this debt, including a copy of any signed agreement or consent.

2. The name and address of the original creditor.

3. The amount of the alleged debt, including an itemized breakdown of fees and interest.

4. Documentation showing that your agency is authorized to collect this debt. 

Until these items are provided, I request that all collection activities cease, and that you do not report this debt to any credit bureau, or if reported, that it be marked as in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received documentation from Resurgent Capital Services ( RCS ) requesting payment for an alleged debt ( XXXX XXXXXXXX ) from XX/XX/XXXX. 

Based on the information provided by XXXX as of XX/XX/XXXX, the balanced owed was {$610.00}, interest charged from XX/XX/XXXX to now is XXXX making the total debt owed {$1900.00}. 

Clearly the statue of limitations makes this an illegal attempt to collect this debt. This alleged debt is over XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth XXXX XXXX SSN : XXXX To : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Subject : Cease & Desist / Debt Validation / Refusal to Pay Dear Portfolio Recovery Associates , LLC, I am writing in response to your attempt to collect an alleged debt that you claim I owe. This letter serves as my formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, that I am disputing this alleged debt in its entirety and am requesting full and complete validation. 
Until you provide proper validation as required by federal law, I am refusing to pay this alleged debt. Furthermore, you are hereby directed to cease and desist all collection activities, including but not limited to phone calls, text messages, emails, and third-party communications, except as specifically allowed by law. 
Required Validation Please provide competent evidence to substantiate your claim, including but not limited to the following : A copy of the original signed contract, credit agreement, or promissory note bearing my signature that shows I agreed to the alleged debt. 
A complete accounting and payment history from the original creditor, including the date of default and charge-off. 
Proof that Portfolio Recovery Associates , LLC has legal standing and ownership of this specific account, including a complete chain of title, bill of sale, and assignment documents identifying this account by name and number.

Verification that any Form 1099-C, if issued, was properly filed with the Internal Revenue Service , if applicable. 
Affidavits or authenticated business records from a qualified custodian or witness with personal knowledge of the original creditors records, as required under the rules of evidence. 
Notice of Legal Rights Be advised that reporting or continuing to report this alleged debt to any consumer reporting agency without first providing proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
If you are unable to provide all of the requested documentation, you are required by law to immediately cease collection efforts, delete any credit reporting associated with this alleged debt, and close your file. 
Communication Restrictions I do not consent to telephone calls, text messages, emails, or any electronic communications. All correspondence must be sent by U.S. Mail only to the address listed above.

Failure to comply with this lawful request may result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney General, and pursuit of all civil remedies available to me under federal and state law. 
This letter is sent without prejudice and with full reservation of all rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, I used my Chase credit card ( account ending in XXXX ) to purchase jewelry from a merchant named XXXX XXXX XXXX while on a cruise ship at a port of call. The merchant explicitly represented the jewelry as genuine gold at the time of sale. 

After returning to the ship and after the ship had departed the port, I discovered that the jewelry was not authentic. Because the ship had departed, I had no ability to return to the merchant location. 

The merchant provided no phone number, email address, website, or return instructions. As a result, there was no reasonable way to contact the merchant or arrange a return. This was a cruise-port transaction with no ongoing merchant accessibility. 

I disputed the charge with Chase due to material misrepresentation and counterfeit merchandise. Despite providing evidence, Chase denied my dispute, stating that the charge was valid because there was no record of a return. This ignores the fact that a return was impossible due to the merchants lack of contact information and the circumstances of the cruise purchase. 

I obtained a professional appraisal dated XX/XX/year>, confirming the jewelry is brass base metal, contains no gold whatsoever, and has a combined value of {$140.00} compared to the {$11000.00} charged. This conclusively proves misrepresentation at the time of sale. 

I am fully willing to return the merchandise immediately. Chase has never provided instructions or requested the item. I am requesting reversal of the charge based on merchant misrepresentation and counterfeit goods.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I recently opened a CapitalOne 360 Checking and Savings account. I was switching over from XXXX XXXX. I set up direct deposit for my paycheck and I also get a direct deposit from a property management company that manages my rental property. The property management company, XXXX XXXX XXXX XXXX initiated a direct deposit for {$1600.00} on XX/XX/year> to my Capital One account. I have a letter with a confirmation code that I provided to Capital One and I also checked with XXXX XXXX XXXX to verify that they had the correct routing and account numbers, and they verfied that they did and that they did not get any error codes. 

Capital One opened a claim and told me it would take up to 45 days to resolve. They will not give me a credit and I have bills I need to pay. I have all of the confirmation that the payment was received by their systems but they say they need to investigate. Why should I have to deal with the consequences of their mistake? I routinely had these payments deposited into my XXXX XXXX  account without issue so I know it isn't the depositor. Needless to say, I will not be using CapitalOne anymore but I need help getting my money. I can provide you with the confirmation from XXXX XXXX XXXX with the confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against Sequium Asset Solutions regarding an alleged collection account they are reporting and attempting to collect. 

Debt Collector : Sequium Asset Solutions Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX  Account Type : Collection Date Opened : XX/XX/XXXX Reported Balance : {$5200.00} Status : Collection account {$5200.00} past due as of XX/XX/XXXX Sequium Asset Solutions is reporting this debt as a collection account with a balance of {$5200.00}. The account is listed as company sold, yet no documentation has been provided to prove ownership of the debt or my legal obligation to pay it. 

I previously requested validation of this alleged debt. To date, Sequium Asset Solutions has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, the collector has not provided : - Proof that Sequium Asset Solutions legally owns or has been assigned this debt - Documentation showing that I am legally responsible for the alleged balance - A copy of the original signed agreement or service contract with XXXX XXXX XXXX XXXX - An itemized breakdown explaining how the balance of {$5200.00} was calculated - Proof that the amount reported is accurate and authorized Despite the lack of validation, this account continues to be reported on my credit report and listed as past due, which is causing harm to my credit profile. Continuing collection activity and credit reporting without proper validation violates federal law. 

I am requesting that the CFPB investigate this matter and require Sequium Asset Solutions to either : 1. Provide full and proper validation of the alleged debt, or 2. Cease all collection activity and remove the account from my credit reports. 

This complaint is not an acknowledgment of liability for the alleged debt. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I deposited {$680.00} in cash at a TD Bank branch. At the time, I was informed my account was overdrawn approximately {$30.00} due to a maintenance fee. I was not notified that my account would be closed or restricted. 
Shortly after the deposit, my debit card and online access were disabled without notice. When I returned to a TD Bank branch in XXXX, Florida, staff initially stated they could not locate my account. After escalation, the branch confirmed the cash deposit was received but could not explain where my funds were or provide access to them. 
TD Banks back-office later informed me that {$30.00} was deducted along with an additional {$200.00}. TD Bank has been unable to explain or document why the additional {$200.00} was taken. I have received conflicting information, no written notice of account closure, and no timely resolution. 
As of XX/XX/year>, TD Bank continues to withhold my deposited funds. This appears to be improper handling of a cash deposit, failure to provide required disclosures, and unauthorized withdrawal of funds. 
I am requesting immediate release of my funds, a full written accounting of all deductions, and correction of TD Banks internal records.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 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: FL

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 non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: TX

Complaint narrative:
I have had federal student loans since XXXX. In XX/XX/XXXX, XXXX informed me I qualified for XXXX forgiveness based on 20 years in repayment. I consolidated my loans under the XXXX account adjustment. My loans were transferred to MOHELA, who now states my consolidation reset my forgiveness clock and that I must wait an additional 2025 years. This directly contradicts Department of Education guidance. I am requesting an immediate review of my IDR account adjustment and confirmation that my pre-consolidation repayment history is credited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: AZ

Complaint narrative:
The account was updated and verified on XXXX, but no documents was sent to me. This is not my debt and I need proof with my handwriting signatures. This debt is unverified and not mine.

Company response to consumer: Closed with explanation