vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My bank Wells Fargo didn't make a payment on the date scheduled for my rent and I was charged by my landlord a {$150.00}. late fee. Since it was the banks error in causing the late fee I am requesting they reimburse me it. I have dealt with the issue starting on XX/XX/year>. I have worked with the Branch manager at my local bank She called the Wells Fargo online banking solution office 3 times and finally they suggested putting in a dispute claim which she did. After a few weeks I called to see the status of the dispute only to to find out it was never placed. There response was that I should get the {$150.00}. from my landlord. The landlord has their policy to charge the fee for late payments and won't refund it. So it was the banks fault for the late payment and they should repay me. thank you

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 2026-03-02 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: DISCOVER BANK
State: AZ

Complaint narrative:
Purchased a XXXX XXXX and assorted goods from XXXX XXXX XXXX using my Discover card. Merchant did not respond to several calls or emails about missing parts- 3 of 5 shipments showed up, 2 smaller frame pieces were missing so I filed a dispute with Discover. Provided them documents about missing goods. Dispute was recently reversed with no information from Discover despite repeated calls. I do not have my goods and I am out {$1700.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-02 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: OH

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
To whom it may concern, I am submitting this complaint regarding Jefferson capital Systems and its reporting of an alleged debt on my XXXX credit report. I dispute the validity and accuracy of this debt. I have not received proper validation of this alleged obligation, nor have i been provided sufficient documentation to confirm that : 1. I am the obligor of this debt ; 2.The amount being reported is accurate and includes no unauthorized fees or intrest ; 3.The Jeffersons capital systems has the legal authority and standing to collect on this debt ; 4. The debt is within the applicable statue of limitations ; 5.The reporting complies fully with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) Under my rights pursuant to the FDCPA and FCRA, i am formally requestion full validation of this debt, including : -A copy of the original signed contract and or agreement; -A complete payment history or itemization of the amount claimed ; -Documentation showing transfer or assignment of the debt to Jefferson capital Systems ; -Proof that Jefferson Capital Systems is licensed to collect in my state ( if required ) ; -Verification that the information furnished to XXXX is both accurate and complete. Until proper validation is provided, i request that this account be marked as disputed and that any inaccurate information be removed from my XXXX credit report. If Jefferson Capital Systems can not provide adequate validation, I request immediate deletion of this account from my credit file. Please investigate this matter and ensure compliance with all applicable federal laws. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am filing this complaint against PNC Bank for inaccurate credit reporting, failure to correct known inaccuracies, improper fee assessment, and failure to reasonably investigate disputed information, in violation of the Fair Credit Reporting Act ( FCRA ). On XX/XX/XXXX, PNC assessed six overdraft fees on my business account. Beginning that same day, I went into the branch to resolve the issue. The branch XXXX repeatedly refused to meet with me. Staff told me he was at lunch, meeting a client, or would call me later. He never returned my calls despite multiple attempts to resolve this matter in person. Between XX/XX/XXXX and XX/XX/XXXX, I communicated with multiple departments including customer service, retail support, and collections. I also spoke with an individual identifying himself as XXXX, who stated he oversaw the departments I had spoken with. Despite my efforts, the account remained in overdraft status. On XX/XX/XXXX, PNC : Added an additional {$12.00} fee immediately prior to closure Closed my business account Reported the account to the credit bureaus with a balance of {$380.00} After reporting {$380.00}, PNC later reduced the balance internally to {$190.00}. However, my credit report continues to reflect the original {$380.00} amount. This demonstrates that the amount furnished to the credit bureaus was inaccurate. Under 15 U.S.C. 1681s-2 ( a ), furnishers of information have a duty to provide accurate information. Under 15 U.S.C. 1681s-2 ( b ), once a dispute is raised, furnishers must conduct a reasonable investigation and correct inaccurate information. Despite internal acknowledgment that the balance is {$190.00}, PNC has failed to update the reported amount from {$380.00}. Additionally, the account was reported to XXXX XXXX XXXX. My concerns include : Reporting an inflated balance that was later reduced. Failure to update credit bureaus after adjusting the balance. Adding fees immediately before account closure. Reporting the account the same day it was closed. Failure of branch management to engage in good faith resolution. Inconsistent explanations from multiple PNC representatives. This inaccurate reporting has negatively impacted my creditworthiness and business operations. I am requesting : Immediate correction of the reported balance to reflect {$190.00}, or deletion if the amount can not be verified. Written documentation showing how {$380.00} was calculated. Documentation supporting the additional {$12.00} fee. Confirmation of the exact date and amount furnished to each credit bureau. Confirmation of what was reported to XXXX XXXX XXXX. Documentation of PNCs investigation procedures related to my dispute. and reported to all credit reporting agencies XXXX XXXX Founder | XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing an urgent regulatory complaint against USAA for an impending, unlawful reversal of a provisional credit in direct violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 CFR 1005.11 ). On XX/XX/, USAA issued a notice stating they were closing Dispute ID XXXX ( {$2000.00} ) due to " missing information '' and that my provisional credit would be reversed on XX/XX/. This closure is the direct result of a USAA internal system failure, not a consumer failure. I uploaded my complete, timely legal evidence ( proving the merchant, XXXX XXXX XXXX XXXX XXXX, is an illegal sweepstakes casino under California XXXX XXXX ) to my USAA portal on XX/XX/. On XX/XX/, I spoke with USAA Member Resolution Agent " XXXX. '' XXXX explicitly confirmed on a recorded line that USAA did receive my documents on time ( noting XX/XX/XXXX in his system ). However, XXXX stated that my evidence " confused the dispute department '' and failed to route properly within USAA 's system. Because USAA 's internal system failed to attach my timely evidence to the file, an automated bot wrongfully closed the dispute. XXXX refused to transfer me to a manager with the authority to immediately halt the XX/XX/XXXX reversal, stating the internal callback queue takes 3-4 days. Because I relied on this provisional credit while USAA was legally mandated to investigate, this {$2000.00} reversal on XX/XX/XXXX will drastically overdraw my account, triggering a cascade of overdraft fees and financial harm. Under Regulation E, a financial institution can not reverse a provisional credit simply because its own internal document routing system failed or its staff was " confused. '' USAA is attempting to penalize me for their administrative glitch. ( USAA is already concurrently investigating this exact same merchant under a separate batch, Dispute ID XXXX ). I am demanding that the USAA Executive Resolution Team immediately : Manually link my XX/XX/XXXX evidence to Dispute ID XXXX. Formally reopen the dispute. Place an immediate administrative hold on the {$2000.00} reversal scheduled for XX/XX/, preventing any negative balance or overdraft fees. I require immediate intervention before the automated reversal processes on Friday.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: DE

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report which does not belong to me. The account information is as follows : Creditor Name : Unifin Account Number : XXXX Date Reported : XX/XX/year> I do not recognize this account and have never opened or authorized it. Please investigate this matter and remove this account from my credit report as soon as possible. If additional documentation is required to process this dispute, please let me know. I request written confirmation once the investigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I'm having problems with this financial company, ally finance the moment I went to the place of the cars they gave me a price and this financial company is charging me twice the cost of the car, I need help please, I have XXXX loans with them and no matter how many payments I make I feel that I don't advance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: LA

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am submitting this formal complaint regarding recurring PCI Compliance charges that were systematically deducted from my US Bank merchant account over a period of approximately 46 months. Beginning approximately 46 months ago, my business account was charged {$120.00} per month under the billing description XXXX XXXX. The description did not clearly indicate that this was a PCI Compliance penalty fee or non-compliance fee. As a merchant and customer, I had no reasonable way of understanding that this charge was related to an alleged failure to complete an annual PCI compliance form. At no time was I clearly informed that failure to submit this form would result in a recurring monthly penalty of {$120.00}. Additionally, the billing description did not disclose that the charge was a penalty. The use of the code XXXX XXXX concealed the true nature of the fee and prevented me from identifying it as a non-compliance penalty. Over 46 months, the total amount charged equals : {$120.00} 46 months = {$5700.00} After contacting my bank, I was provided with the companys contact information. When I contacted them, I was informed that these were PCI non-compliance fees due to not submitting a required annual form. They agreed to refund only {$300.00}. This leaves an outstanding amount of {$5400.00} that was systematically deducted from my account without clear disclosure, transparent labeling, or proper notice of recurring penalty enforcement. I believe these charges were misleadingly described and not properly disclosed, constituting unfair and deceptive billing practices. As a small business owner, I rely on transparent and accurate merchant processing statements. Hidden penalty fees under vague billing codes prevented me from identifying and disputing these charges earlier. Thank you for your attention to this complaint

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 2026-03-02 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: LA

Complaint narrative:
Validation of Debt Request - JEFFCAPSYSXXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Validation of Debt Request- JEFFERSON CAPITAL SYST - 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in. 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: IL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Solutions LLC
State: TX

Complaint narrative:
b'They recently called me about suing me and taking wage away from my check its a very old debt it was in XXXX its a debt collection agency a XXXX XXXX the phone number is XXXX XXXX XXXX XXXX the debt is time barred and its was reported on my credit report also. I have not received one letter from these people on this matter no information at all .'

Company response to consumer: Untimely response
Consumer complaint received 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this new complaint because my previous case was closed without PayPal ever addressing the core issue or allowing me to submit my identity documents. PayPal permanently suspended my account claiming a " Tax ID and identity mismatch, '' yet they refused to conduct a manual review of my U.S. Passport, SSN, or proof of residency, which I have offered multiple times. Most importantly, I have discovered a severe systemic error in how PayPal manages my data. I have been receiving sensitive financial emails intended for other individuals ( e.g., XXXX XXXX ). Initially, I thought these were spam, but I have now confirmed that PayPal is incorrectly associating my email address and identity with strangers ' accounts. When I confronted PayPal 's Executive Office about this privacy breach, they admitted in writing that it was a " technical glitch. '' This " glitch '' directly explains why PayPal claims my identity " does not match '' their system is confusing my data with other people. By refusing to verify my actual legal documents and instead relying on a flawed automated system that leaks other customers ' data to me, PayPal is unfairly denying me access to my funds and financial services. What would be a fair resolution ( ) 1. Immediate Manual Identity Verification : A human specialist must review my U.S. Passport and Social Security documents to correct the " mismatch '' caused by their system 's error. 2. Data Correction : PayPal must decouple my email and identity from any other individuals ' accounts they have incorrectly linked me to. 3. Immediate Fund Release : If PayPal chooses to close the account, they must release my funds immediately, as the " risk '' they cited is based on their own documented technical errors and misidentification.

Company response to consumer: Closed with explanation