vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
We purchased XXXX gallons of regular unleaded gas for {$31.00} XXXX dollars, ( XXXX pesos ) just prior to returning our XXXX XXXX rental to the airport area in XXXX, XXXX on XX/XX/year> at XXXXXXXX XXXX We have the original receipt to document this. We were charged for XXXX gallons of diesel gasoline for {$320.00} XXXX dollars ( XXXX pesos ) also on XX/XX/year> at XXXXXXXX XXXX. Obviously our XXXX small SUV would not hold XXXX gallons, it was a XXXX gallon tank! We were also not at this gas station at this time, we were still checking out of our hotel over XXXX miles away. We called American Express as soon as we got our statement with the fraudulent charge and disputed the charge, providing them with a copy of our original receipt given to us at the time of sale. I also tried multiple times to call the merchant to see if they would correct the sale, but always got a fast busy signal, meaning the trunk lines into the area were busy and then got a recording that this number is not accepting calls. AmEx then contacted the merchant, who provided AmEx with a fraudulent receipt. The signature on the fraudulent receipt provided by the merchant is not ours, we provided the credit card company proof of our signatures and proof of our rent car. We have called and written AmEx with every piece of information they requested and they continue to deny our claim # XXXX, our account # ending in XXXX Hilton Honors Surpass card. Name on the card XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PLS GROUP, INC
State: OK

Complaint narrative:
I am XXXX XXXX, I live at XXXX XXXX XXXX XXXX XXXX XXXX I mailed two money orders for my rent on XX/XX/2026 between XXXX XXXX and XXXX XXXX, mailed at the post office on XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/2026, money orders were deposited at XXXX XXXX XXXX XXXX, the first one was {$500.00} XXXX dollars The other one, XXXX XXXX, {$200.00}, just a few hours after I put it in the XXXX XXXX XXXX, I have talked to your bank, XXXX, here in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Also, the bank in XXXX, Oklahoma, XXXX XXXX XXXX, XXXX I would like to resolve this matter and receive my {$700.00} back. The XXXX XXXX has its account number on the back of these money orders. I was informed that this was a XXXX account. The money order was made out to XXXX XXXX, my landlord I have talked with XXXX two times. I do not have an account with them either. Was told they do not do money orders on mobile deposits. I have also reached out to the post office on XX/XX/2026 The reference number is XXXX. I have made a police report at the OklahXXXX XXXX police station case number XXXX, You can see on the back of money orders Have the account number on both of these and routing number obviously its your bank stamp on the back of theses money orders This was my rent money Please help with this matter Email XXXX XXXX text XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am filing a complaint against Wells Fargo for a clear violation of Regulation E regarding unauthorized electronic fund transfers. My account suffered an unauthorized fraudulent theft on XX/XX/XXXX. Wells Fargo refunded the stolen funds and XXXX of the overdraft fees, but refused to refund the remaining XXXX overdraft fees. After lengthy discussion and phone calls, they would only refund one other overdraft fee. Wells Fargo claims this fee is my responsibility because the underlying purchase was an 'authorized ' transaction. However, these transactions were authorized BEFORE the theft occurred, and my account had a positive balance to cover them. The transactions only overdrew my account because the unauthorized theft wiped out my funds before they could post, as well as the {$140.00} overdraft fees Wells Fargo posted to my account during the investigation of the theft claims. Had it not been for the theft and the concurrent overdraft fees posted to my account, my account would have remained in the positive as of XX/XX/XXXX. Under Regulation E, the financial institution bears the burden of a theft, including all consequential cascading overdraft fees.

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 2026-05-27 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My claim was denied because apparently, I authorized a transaction even though I was scammed solely because I inserted my card. I ordered an XXXX while in XXXX, XXXX, in which the driver cancelled the ride on his behalf and lied to me and told me XXXX had cancelled the ride on their part because they randomly do that. As someone who has only used XXXX a handful of times and never had a bad experience, I said okay. We eventually got to our stop, which took XXXX minutes rather than the XXXX it was supposed to take to get there because the driver did not know where to take us since he cancelled the ride and there was a language barrier as well. After getting the stop, the driver tells me I must pay again through his card machine since I was refunded for the cancelled ride. He showed me the screen of the card machine which said XXXX pesos, which is less than {$1.00} XXXX, so I said okay because I did not know better and because that was the same amount I was charged for through XXXX before the ride was cancelled. I tried to tap my card and was told he does not have tap on the machine, so he told me to insert it. He turned the screen and asked if my card was a XXXX or XXXX, which is when I later realized this is when he changed the amount I was being charged without my consent or authorization. After getting back to our hotel about XXXX minutes later, I realize the charge that was supposed to be less than {$1.00} USD, I was charged {$620.00} USD. I immediately called Wells Fargo and explained the situation, in which a claim was opened. It was then denied since I inserted my card, however as I stated previously, I did not authorize the charge of {$620.00} whatsoever and the driver had no right to charge me for that amount. I also have contacted XXXX several times to report the driver, yet they have done absolutely nothing about it.

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 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
Annual apr is set to 159 %. This is substantially higher than the illinois limit of 36 %. I was unaware at the time of signing that it was so high.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES DO NOT REFLECT AUTHORIZED CREDIT ACTIVITY. I DID NOT PROVIDE CONSENT FOR THEM. I AM FORMALLY DISPUTING THESE ITEMS AND REQUEST A THOROUGH INVESTIGATION. IF THEY CAN NOT BE PROPERLY VERIFIED, THEY MUST BE REMOVED IMMEDIATELY.

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 2026-05-27 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: Chime Financial Inc
State: PA

Complaint narrative:
This situation happened on XXXX, XXXX 2026, I started talking to the person on XXXX, XXXX after seeing a XXXX of it saying that they were selling XXXX XXXX I messaged her on XXXX and asked if they were still on sell she told me yes so we exchanged XXXX accounts and we started talking about the tickets, I asked before we started if she was a scammer and she got offended by me assuming and told me that I shouldnt insult her character like that. I paid her mom by email XXXX dollars but then she started to respond slower, now not getting a response til hours later she kept giving excuses on why I couldnt claim the tickets and that she has to wait for her mom or wait for XXXX XXXX to allow her to fix it then she told me that she could not take off the XXXX tickets because I only brought XXXX which is her mistake so she told me to pay a additional XXXX to let go of both, I did and still couldnt claim them, I asked for a refund because I felt like noting was working out, she told me ok she will send out the refund once she waits on her mom again after that never got a response after checking and asking if everything is okay, no answer, I checked her account on XXXX and it said Account not found, thats how i knew she blocked me, I also contacted the email I sent the money to, no answer, and would decline the call fast when i would call it, now theres no answer at all. XXXX XXXX dollars and still did not receive the tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the handling of a dispute involving my Cash App account. I believe my dispute was not properly investigated and that the process has been unfair, misleading, and financially harmful. I originally filed my dispute on XX/XX/year>, regarding unauthorized or disputed activity involving funds taken from my account. Shockingly, my claim was denied on XX/XX/year>, less than 24 hours later. I immediately questioned how a full and fair investigation could realistically be completed within such a short timeframe. After I challenged the denial, Cash App reopened the case on XX/XX/year>, and informed me that I would now need to wait an additional 10 business days for another decision. This raises serious concerns about whether the original denial was ever properly reviewed in the first place. As a consumer, I trusted Cash App to safeguard my money and conduct legitimate investigations into disputed transactions. Instead, I have experienced delays, inconsistent responses, lack of transparency, and ongoing financial hardship while waiting for access to my funds. I am requesting that this matter be formally reviewed and investigated. Specifically, I am asking for : - A detailed explanation of how my original dispute was denied within 24 hours - Information regarding what evidence or investigation was conducted - A fair and complete review of my reopened dispute - Accountability regarding the handling of consumer disputes and protection of customer funds I believe consumers deserve transparency, fairness, and proper investigation procedures when dealing with financial service companies handling their money. Thank you for your attention to this matter. I respectfully request assistance in ensuring this complaint is properly reviewed. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have not received verification of debt. Also I paid off my account in person the day service was provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
hello my vehicle was repoed XXXX weeks ago and i was not notified i was only 40 days passed due i got behind because my brother passed away. i did not get no phone call after i just had a call with a rep he advised me if i continue to make my monthly payment the car wont be repoed, then the next day the car was repoed, i asked them many times if i could defer anything and they kept saying now. the company is Kia finance

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint against IC System , Inc. regarding their failure to properly validate an alleged debt and their continued furnishing of inaccurate information to consumer reporting agencies. I disputed this account, and in response IC System provided only a billing statement dated XX/XX/year> as verification of the debt. This document does not establish that I have any legal obligation to pay the debt, as it does not include a signed contract, service agreement, or any proof that I authorized this account. 1 Additionally, IC System stated in writing that they are ceasing communication and terminating collection efforts unless I initiate further contact. 1 Despite this, IC System continues to furnish this account to credit reporting agencies, which is misleading and potentially inaccurate. A billing statement alone is not sufficient to validate a debt under federal law. IC System has failed to provide : Any signed agreement or contract Proof of authorization A complete accounting of how the balance was calculated Documentation showing I am legally responsible for the debt Because IC System is unable to properly validate this account, their continued reporting of this information is inaccurate and harmful to my credit file. IC Systems actions appear to violate : FDCPA 1692g Failure to provide proper debt validation FDCPA 1692e Use of misleading representations FCRA 623 ( a ) ( 1 ) Furnishing inaccurate or unverified information FCRA 623 ( a ) ( 8 ) Failure to properly investigate a dispute

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 2026-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
Discussion held on XX/XX/2026 at XXXX EST They seemed reluctant to allow me to make additional payments and made it intentional inconvenient to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
I have received several letters indicating that I owe a remaining balance to a former cell phone carrier. When I left that carrier, I did not have any outstanding balance, and I was assured that any fees would be settled as part of the promotion with my new phone carrier. This was essentially to cover any remaining obligations. Prior to receiving a debt collection notice in the mail, I never received a bill from my previous carrier. I disputed this with my credit bureau, and it was subsequently removed. However, I recently received another notice from a different collector claiming that I still owe this amount. I disputed it once more, reiterating my previous stance. This is not my debt, and I requested copies of the contract, payment statements, outstanding balances, and a copy of the agreement I entered into with the new debt collector, which would authorize them to collect this debt if I failed to pay while with the previous carrier. I specifically requested a copy that includes my wet signature in blue ink, as I only sign in blue ink to authenticate the document. To date, I have not received any of this requested documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Policy : Premium Car Rental Protection Claim Number : XXXX Date of Loss : XX/XX/year> Date of Filing : XX/XX/year> I am an AMEX Platinum cardholder for the card ending in XXXX. During XXXX XXXX to XXXX XXXX, I was travelling in XXXX and activated the Premium Rental Car Protection offered by AMEX with an additional premium approximately for {$24.00} per rental. On XX/XX/year>, my vehicle was broken into and my personal properties were stolen. As soon as I discovered the incident, I informed the local law enforcement and called AMEX Company to initiate a claim for the lost personal properties. I timely reported this claim and have fully cooperated with all requests for information and documentation. Despite this cooperation, the claim has remained unresolved for an excessive period of time without adequate justification or communication from AMEX Company. The following timeline demonstrates the delay : * Claim reported on : XX/XX/year> * Documents provided on : XX/XX/year> * Adjuster communications received respectively on : XX/XX/year>, XXXX XXXX XXXX, XXXX XX/XX/year> * Required additional documents sent respectively on : XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/year> * Current status : AMEX Assurance has not, by the time of the demand letter being sent out, issued a coverage determination, approved or denied the claim, accepted the updated document, or identified any other remaining information necessary to complete the claim adjusting processes. On XXXX XX/XX/year>, AMEX requested an updated police report, stating they are unsure whether I locked the vehicle at the time of theft despite the fact that it is confirmed and verified that the window was broken into and this is a visible sign of forced entry of theft. Upon receiving this request, I filed a supplementary police report to the XXXX Police Service on the same day and the report was reviewed and subsequently approved by a police officer from XXXX Police Service on the same day. I updated AMEX immediately afterwards. However, AMEX has not acted on the newly submitted document and has delayed the claim process close to the XXXX adjusting deadline set out by Louisiana Law ( see Louisiana R.S . 22:1811, 1821 ) since then. I have also called your customer representatives at least 5 times in the past weeks hoping that someone would help the case but I have not received any meaningful feedbacks my claim or when the claim adjusting process can be finalized As such, until this day, I still have not received any meaningful follow up from Amex with regards to coverage determination and other missing information, nor has anyone followed up on the case with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Nelnet calls me XXXX to XXXX a month. XXXX times total XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not have any student loan debt. At all. My roommate who I AM NOT RELATED TO IN ANY WAY SHAPE OR FORM, NOT MARRIED TO. Is the only person I know that has student loan debt. But I DO NOT. I have never co-signed for anyone 's debt. I dont have any children or spouse to have amy linked debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One is incorrectly reporting my auto loan account as a charge-off/charged off closed account on my credit report. This vehicle was declared a total loss, and the balance was settled through the insurance company. Because the account was resolved through the insurance settlement, it should not continue to be reported as a charge-off. The current reporting is inaccurate and negatively impacting my credit profile. I am requesting that Capital One investigate and correct the reporting to accurately reflect the account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Capio Partners, LLC
State: LA

Complaint narrative:
This company will every few years call me to attemt to scare me into paying a credit card that I defaulted on in XXXX. This debt is WAY past the legal time to sue, garnish wages, or levy bank accounts on. This is what they say when they call and threaten me for non-payment. I explain to them that this debt is beyond limits on collecting and they start berating me as person. Saying that I am a thief and I willing did this to defraud a company and I will be getting court papers for a law suit. It is all empty threats that they do trying to get a single cent to reset the clock on this. They always give vague info on who they are. They will not provide any real company information that a legitimate collection agancy would. They keep calling every day until I finally get them so agravated that I am not a fool that will give into thier illegal tactics. This is for a XXXX ( XXXX ) Credit Card that yes I defaulted on. But thier illegal tactics on how they are trying to scare people into reopening old expired debt is the problem. Everytime they call no matter who you speak to they do the same thing. It is how this company works. I would like for them to stop calling me and I would like to file suit against them for the harrashment and time that they steal from me in their illegal attempts to collect on a debt that is 14 years old. I recently have gotten 2 phone calls from them in the past week. I have told them to stop calling and I finally got a mailing address which is a XXXX XXXX so not sure how fake that is. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief