vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY

Complaint narrative:
To the CFPB and Wells Fargo XXXX XXXX : I am a former international student and a current resident of XXXX. I hold a Wells Fargo checking account ( Debit Card ending in XXXX ). Currently, my online banking access is suspended. Because I have left the XXXX, my registered XXXX phone number is deactivated, meaning I can not receive SMS verification codes. I have my physical debit card, my PIN, and my valid passport with me. I have called Wells Fargo customer service multiple times. Despite offering to verify my identity using my debit card number, PIN, and passport, the representatives rigidly insisted on SMS verification and refused to assist me. Furthermore, they refused my request to close my account and mail a cashier 's check to my current address in XXXX ( XXXX Zip Code : XXXX ), citing that they can only mail to the XXXX address on file. Wells Fargo is effectively holding my funds ( approximately {$1000.00} ) XXXX by setting an impossible verification standard for an international customer. Worse, they continue to drain my trapped funds by charging a $ 15 Monthly Service Fee, which I can not stop because I am locked out of my account. This is an unfair and abusive practice. I am unable to travel to a XXXX branch to resolve this in person.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WI

Complaint narrative:
CFPB COMPLAINT FAILURE TO VALIDATE DEBT / INACCURATE CREDIT REPORTING Consumer : XXXX XXXX XXXX Address : XXXX, WI Company : Jefferson Capital Systems , LLC I am filing this complaint against Jefferson Capital Systems , LLC for failure to properly validate an alleged debt and for furnishing inaccurate and unverified information to consumer reporting agencies in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). What Happened I submitted a formal debt validation request to Jefferson Capital Systems regarding an alleged account originally associated with XXXX In response, the company failed to provide proper validation. Instead, they sent only a copy of a generic billing statement. This document does not establish that I have any legal obligation to pay the alleged debt, nor does it prove that Jefferson Capital Systems has the legal right to collect on it. Why This Is a Violation Under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g, a debt collector must provide meaningful validation of a debt. A billing statement alone is insufficient to establish liability. Additionally, under the Fair Credit Reporting Act, furnishers of information are required to conduct a reasonable investigation when a consumer disputes an account. Jefferson Capital Systems failed to conduct a reasonable investigation and instead issued a generic, automated response. The company has not provided : Any signed contract or agreement bearing my signature Any proof that I authorized or incurred the alleged debt Any chain of assignment or documentation showing they legally own the debt Any itemized accounting of how the balance was calculated. Harm Caused The continued reporting of this unverified account is damaging my credit profile and impacting my ability to obtain credit and financial opportunities. Jefferson Capital Systems has failed to meet its legal obligations under federal law. Their continued reporting of this account without proper validation constitutes inaccurate and potentially deceptive reporting. I am requesting immediate regulatory intervention to resolve this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AR

Complaint narrative:
Complaint Against HSBC Bank USA Failure to Pay Referral Bonuses and Lack of Transparency I am filing this complaint regarding HSBC Bank USAs referral program, specifically their failure to issue referral bonuses within the timeframe stated in their promotional materials, along with a lack of transparency and support regarding the status of these bonuses. According to HSBCs official referral program page, Step 4 states : Your referral bonus will be deposited to your qualifying HSBC XXXX checking account within XXXX weeks of your referrals account opening. I referred the following individuals, all of whom were approved and opened accounts using my referral : - XXXX XXXX Account opened XX/XX/year>XXXX XXXX XXXX XXXXXXXX Account opened XX/XX/scrub> XXXX XXXX XXXX XXXX XXXX Account opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX Account opened XX/XX/year>XXXX XXXX XXXX XXXXXXXX Account opened XX/XX/year> As of today, I have not received any referral bonus payments for these referrals. HSBC does not provide any method for customers to track referral bonus status through its online banking platform or referral portal. This lack of visibility makes it difficult to confirm whether referrals have been properly credited or processed. I have contacted HSBC customer service multiple times regarding this issue. Representatives have been unable to provide clear answers, status updates, or timelines, and have indicated there is no way to track the progress of referral bonuses. This combination of delayed payments, lack of transparency, and inability to obtain clear information raises concerns about how HSBC is administering its referral program and whether customers are being given adequate visibility into incentives they have earned. I am requesting the following : 1. Immediate confirmation that each listed referral qualifies under HSBCs referral program 2. A detailed explanation for the delay in issuing referral bonus payments 3. Prompt processing and payment of all earned referral bonuses 4. Written confirmation of the expected payment date for each referral 5. Clear guidance on how customers can track referral bonus status going forward If this matter is not resolved promptly, I am prepared to pursue further escalation through all available channels, including formal dispute resolution options. HSBCs promotional materials clearly define the expected timeframe, and I am requesting that they honor those terms and provide transparency regarding the status of these incentives. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Halsted Financial Services, LLC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX XX/XX/year> Halsted Financial Services , LLC XXXX. XXXX XXXX XXXX, IL XXXX Re : Notice of Bankruptcy Discharge Violation Reference Number : XXXX To Whom It May Concern : This is a follow-up complaint regarding an account that I previously disputed and for which I have not received a response. This letter serves as formal notice that the above-referenced account is subject to a Chapter XXXX bankruptcy discharge and is no longer legally enforceable. The original creditor, XXXX XXXX XXXX XXXX ( XXXX ), is associated with my Chapter XXXX bankruptcy case, which has been XXXX. Based on this, any debt connected to this account would be subject to the discharge and is no longer legally enforceable. The subsequent transfer or sale of the account to XXXX XXXX XXXX does not reinstate the obligation. Despite this, XXXX XXXX XXXX, through Halsted Financial Services, continues to report and attempt to collect a balance of {$530.00}. This constitutes a potential violation of the discharge injunction under XXXX U.S.C. XXXX. Additionally, this account has previously been disputed as the result of identity theft. The presence of identity theft further underscores the need for strict validation and accurate reporting, which has not been provided. You are hereby notified to : XXXX. Immediately cease all collection activity XXXX. Immediately cease all credit reporting of this account as an active collection XXXX. Delete this tradeline from all consumer reporting agencies to which it has been furnished XXXX. Provide written confirmation that this matter has been resolved Be advised that continued reporting or collection of a XXXX debt may constitute willful noncompliance with federal law. I am maintaining documentation of all activity and am prepared to pursue further action if necessary. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and potentially unverifiable information currently appearing on my credit reports maintained by Experian, Equifax, and TransUnion, including incorrect personal identifying information and derogatory tradelines that are being reported inconsistently across all three bureaus in violation of the Fair Credit Reporting Act ( FCRA 607 ( b ), 611, and 623 ) ; specifically, multiple inaccurate addresses are being reported across all three bureaus, including variations of XXXX XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, with inconsistent formatting and discrepancies that may lead to mixed or incomplete file reporting ; additionally, several charge-off accounts, including XXXX ( balance {$3500.00} ), XXXX ( balance {$8600.00} ), XXXX XXXX XXXX XXXX balance {$1000.00} ), and XXXX XXXX XXXX XXXX balance {$27000.00} ), are being reported across all three bureaus with inconsistent naming conventions and formatting variations, raising concerns regarding proper account matching, verification, and reporting accuracy, while XXXX XXXX appears on Experian only with a {$0.00} balance, further indicating inconsistent reporting ; furthermore, multiple collection accountsincluding XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and additional accounts on TransUnion such as XXXX XXXX ( XXXX XXXX ) are being reported with differing creditor names, duplicate entries, and inconsistent balances or listings across the three bureaus, which strongly suggests that the same underlying debts may be reported multiple times or without proper verification and synchronization, thereby materially misrepresenting my credit profile and failing to meet the requirement of maximum possible accuracy under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: GA

Complaint narrative:
XXXXefferson Capital is reporting an inaccurate account on my consumer report. This is a violation of the FCRA. ( JEFFERSON CAPITAL ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above received within 10 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e. Furthermore, if you can not provide all of the requested documentation within 10 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 10 days when you receive this letter ) ( Anything sent after the 10 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because Your Company is the one reporting the account to the credit reporting agencies and no one else. The account reporting inaccurate between all CRAs and must be deleted. You must either ( XXXX ) provide all requested documents within 10 days or cease reporting and contact altogether. There is no third option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
I am writing to address the handling of my auto loan following the total loss of my vehicle due to hail damage. After my vehicle was declared a total loss, I promptly reported the claim to my insurance company and followed all required procedures. However, I have not seen any action taken by the bank regarding the loan balance after the total loss determination. To my understanding, once a vehicle is totaled, the insurance company should issue payment based on the vehicles value, and those funds should be applied toward the outstanding loan balance. At this time, it is unclear whether the insurance payment was issued, whether it was sent to the bank, or whether it has been applied to my account. I am requesting clarification on the following : Whether any insurance payment has been received by the bank If so, how that payment has been applied to my loan The current remaining balance on my loan, if any Any additional steps required from me to resolve this matter I would appreciate a prompt review of my account and a clear explanation of the current status. If there has been any delay or miscommunication between the insurance company and the bank, I would like assistance in resolving it as soon as possible. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am submitting a follow-up regarding my previous complaint against Capital One. I understand that Capital One has decided not to reopen my account. However, my concern is specifically about the forfeiture of approximately 210,000 reward miles. These rewards were earned through legitimate spending and payments over time and represent real monetary value. The permanent forfeiture of such a significant amount appears disproportionate and potentially unfair, especially without any opportunity to redeem them prior to account closure. I am not disputing the account closure itself. Instead, I am requesting a reasonable resolution regarding the earned rewards, such as : - Allowing a limited-time redemption period, or - Providing a statement credit equivalent I believe denying access to earned rewards may constitute unfair business practice and unjust enrichment. I respectfully request that Capital One reconsider this matter and provide a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint regarding Citibanks handling of XXXX unauthorized transactions on my account. I reported the charges promptly and submitted fraud claims multiple times, yet the claims were denied without what I believe was a reasonable investigation. Citibank stated the transactions were completed using my physical card and denied the claims on the basis that the person making the purchases allegedly had possession of my card. That conclusion is incorrect. I have maintained possession of my card at all times and still have the physical card in my wallet. In reviewing my account history, it should also be clear that I rarely physically use this card for in-person transactions. My normal usage patterns do not support the determination that I personally conducted these transactions. Additionally, I personally contacted the merchant associated with the transactions and was informed that my physical card was not used at their establishments. This directly conflicts with the explanation provided by Citibank for denying my claims. I do not believe a reasonable investigation was completed before these claims were denied. I am requesting : A full reinvestigation of the unauthorized transactions Copies of all documentation and evidence relied upon in denying my claims Clarification regarding how Citibank determined my physical card was allegedly present and used Any transaction records, terminal data, or verification methods connected to these purchases Reimbursement for the unauthorized charges if the reinvestigation confirms the transactions were fraudulent I have acted promptly and in good faith throughout this process and expect a fair review consistent with consumer protections for unauthorized transactions. I am also requesting that Citibank preserve and review any available surveillance records, terminal verification data, device information, or merchant transaction records related to these disputed charges as part of a proper investigation.

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX U.S.C. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. To following information on my credit report is the result of identity theft and should be blocked : XXXXNAME / ACCOUNT NUMBER XXXXNAME / ACCOUNT NUMBER XXXXNAME / ACCOUNT NUMBER 4.NAME / ACCOUNT NUMBER As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: 1 Auto Finance, Inc.
State: GA

Complaint narrative:
b'I dont remember i just know I need to get everything removed'

Company response to consumer: Untimely response