vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XXXX XXXX there were two unauthorized withdrawals at two different ATM locations. One withdrawal was in the amount of {$700.00} and the other withdrawal was in the amount of {$23.00}. The {$700.00} withdrawal was done at an ATM located at XXXX XXXX XXXX. The second unauthorized withdrawal of {$23.00} was an ATM located at XXXX XXXX XXXX. I went to the bank, Wells Fargo, and they did not provide a written statement as to why my money was not refunded and why it was denied. I also let them know since I am a brand new account holder that I had not even received my initial debit bank card. When I looked up to track my debit bank card, it showed that it had been processed, but it had yet not been delivered. I never had access to my debit card. These two withdrawals at both ATMs were fraudulent. I have also filed a police report for theft. I am waiting to get a copy of that police report. Note to add the Wells Fargo transaction date as a new calendar day rolls over, keeps adjusting to that current date and not the date that the transaction was done.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - I C SYSTEM - XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
I am providing evidence of a * * years-long pattern of unfair and deceptive practices * * by Chime. * * Historical Proof : * * In XXXX, Chime processed XXXX unauthorized transactions totaling * * {$210.00} * *, forcing my account into a negative balance. Despite providing a direct email from the merchant ( XXXX ) stating * * 'no transactions were recorded, ' * * Chime refused to refund my money. * * Current Violation : * * Chime is currently repeating this behavior with a * * {$15.00} * * charge sendingmy accountinto a negative balance again. My official statement shows a charge made on XX/XX/XXXX, yet Chime is holding a * second * unauthorized charge as 'Pending ' on XX/XX/XXXX in my app. * * * Systemic Failure : * * Chime consistently ignores merchant-provided evidence and allows XXXX ' charges to process on empty accounts to create debt. I demand a full reversal of all unverified charges totaling * * {$220.00} * * plus any associated fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
My device was stolen on XX/XX/year> and my biometrics were compromised which allowed the person in possession of my phone to login to my bank accounts and XXXX/CashApp using saved information to pay a merchant using my digital wallet for unauthorized charges. I provided a police report and FTC claim along with proof of the fraud connected to my digital wallet to CashApp and they still denied my claim and appeal. The speed of the denial from the initial claim and appeal leads me to believe my case was not taken seriously or properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am filing a complaint regarding serious servicing errors on my mortgage account following the dismissal of my XXXX XXXX bankruptcy. All required mortgage payments during and following bankruptcy have been made. The current arrears amount being reflected does not match the verified payment history. Based on XXXX XXXX own payment ledger there have been multiple reversals and unapplied funds indicating servicing reconciliation errors. Those payments sat in the account were not applied to the loan. Due to this ongoing issue, false delinquency calculations have been created with the system currently reflecting in arears of {$4800.00} Additionally, during my bankruptcy proceedings, Mr. Cooper formally nation star Mortgage previously alleged to miss payments and was proven incorrect in court. The court record confirmed that payments had been made, and that prior posting errors occurred. These same discrepancies now appeared to be recurring. My bankruptcy case was dismissed on XX/XX/year>. During the bankruptcy, all arrears were addressed through the trustee. After dismissal, I made my XXXX and XX/XX/year> mortgage payments on time using my banks bill pay system. These payments were returned by Mr. Cooper ( formerly Nationstar Mortgage ) not missed. Despite this, my account is now being reported as more than XXXX days past due with an arrears balance of approximately {$4800.00}. This is incorrect and appears to be the direct result of the servicer rejecting payments and failing to properly reconcile my account after bankruptcy. Additionally, this inaccurate reporting has significantly damaged both my credit and my spouses credit, as this is a joint mortgage account. I have submitted a formal Notice of Error under RESPA requesting correction of the account and payment history. I am requesting the following : Immediate investigation and correction of my account Application of all properly submitted payments Removal of all inaccurate delinquency reporting Correction of credit reporting with all three credit bureaus Written confirmation of account status as current This situation is causing significant financial harm and appears to be a servicing error related to post-bankruptcy payment processing. I have documentation showing payments were made and returned, trustee payment history, and bankruptcy dismissal documentation. I request prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: WI

Complaint narrative:
Validation of Debt Request - JEFFERSNCP - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
They asked about a Barclays account saying that I needed to attend court. I told them the account was discharged in XXXX. They never identified themselves and they were also calling my neice. The only information I have is a phone number which is XXXX. I told them to stop calling me because I don't owe them anything and I never received anything in writing explaining I needed to appear in court. I see that I made a complaint in XXXX of XXXX through CFPB and it says the matter is closed

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 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I was recently notified of a debt allegedly owed to Goldman Sachs Bank USA. XXXX XXXX XXXX case # : XXXX. While I can not definitively confirm that this debt is fraudulent, I strongly suspect that my identity has been compromised and that this transaction was not authorized by me. The merchants information does not appear on my credit reports, so I am unable to dispute this through the credit bureaus. Despite not being responsible for this alleged debt, my employer has received a garnishment order based on this claim. If executed, this garnishment could cause significant financial hardship. I am currently pursuing legal action to contest the claim, with a hearing scheduled for XX/XX/year>. Given the potential identity theft, I believe further and thorough investigation is necessary to determine the validity of this debt. I request that CFPB investigate this matter further and take appropriate steps to ensure that this alleged debt is not reported or collected against me until the matter is fully resolved. I also request any documentation or guidance that may assist in halting the garnishment while the dispute and investigation are ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: AL

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 explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I deposited {$7500.00} in cash into a Wells Fargo ATM using my debit card ending in XXXX. The ATM accepted the cash and printed a receipt, but the funds were never credited to my checking account. I immediately reported the issue and Wells Fargo opened claim number XXXX. After several days, the bank closed the claim and stated that an error did not occur. However, the ATM accepted my cash and issued a receipt, and my account was never credited for the deposit. I am requesting that Wells Fargo conduct a reinvestigation of the ATM transaction, including a review of the ATM journal logs, cash cassette counts, and any surveillance associated with the transaction. I also request that the bank explain what amount the ATM recorded being deposited during that transaction.

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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: VA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by IQ Data International. I disputed the alleged debt in writing and requested validation, but the company failed to provide any documentation. On XX/XX/year>, I mailed a written dispute and request for debt validation via certified mail to IQ Data International. According to XXXX tracking and the returned certified mail receipt, the letter was delivered on XX/XX/year>. The letter requested validation of the alleged debt and documentation supporting the balance being reported. The company did not provide any response or validation within the required XXXX period. After receiving no response, I mailed a second written notice on XX/XX/year>, again via certified mail, notifying the company that they had failed to provide validation and that the account remained disputed. As of the date of this complaint, I have not received any validation, documentation, or explanation of the alleged debt, yet the company continues to report the account as a collection on my credit report. I am requesting that the company either provide proper validation of the alleged debt or cease collection activity and remove the account from my credit report if they can not substantiate the claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERISAVE MORTGAGE CORPORATION
State: SC

Complaint narrative:
It appears a significant deficiency resulted from a failure to properly estimate property taxes. Furthermore, it appears AmeriSave underwriters utilized inaccurate figures instead of verified data, resulting in a violation of the Ability-to-Repay ( ATR ) Rule under 12 CFR 1026.43.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WA

Complaint narrative:
National Credit Systems is attempting to collect a debt of {$6700.00} from a previous apartment complex that I dispute. I vacated the apartment on my move-out date and have documentation confirming this. I never received an itemized statement of damages, a final bill, or any documentation explaining the charges. Despite this, the company reported the debt to the credit bureaus and continues calling to request payment plans instead of providing proof of the debt. I have disputed the account with the credit bureaus, but the collection agency verified the debt without providing documentation. I am requesting that National Credit Systems provide full validation of this debt or remove the account from my credit report if they can not provide proper documentation supporting the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have some funeral problems in my family, so I ask my little cousin see if you can borrow some money from ur boss to put towards hower family funeral and he said yes, then he call me the next day and said he got the check from his boss. But I was in a hurry to go in by my work place so didn't want to by late, so I give him the card and said go ahead put it in the account when I came home from work I will pull it out of the bank, but to my surprise the next day the did not want to release the money. So then I go to the bank, they said wait here a minute so while I was in the bank waiting them minute later they came back and said that they call the boss and ask if he was the one who issued the check to XXXX XXXX and he said no. I was i. The in shock, only to fi d out from my aunt told that my cousin stole is boss check and put it in my account cause I did give hi. The cause I was in a hurry to go by work early. So when I went by the back I was so embarrassed, and I didn't know that my own family would do something like that to me. Any the good things about TDBANK didn't lose any money or even me, so I asking u guys if you could let them give me back my checking account, cause I really need it to pay my bills Right now, and this happened because I put my trust in family so we all learned from hower mistakes. Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
A company called Medicredit on behalf of XXXX XXXX XXXX, calling from phone number XXXX, they keep leaving me voicemails that state " This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' When I called about these voicemails, the agent I spoke with stated that since they are not an actual debt collection agency, they are allowed to leave voicemailes identify as a debt collector on voicemail. I informed the agent this is a direct vilolation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Subject : Credit Card Dispute Handling Error Resulting in Loss of Refund Complaint : I am filing a complaint regarding a billing error and failure to properly process a valid refund related to a returned purchase. Purchase Details : Laptop with XXXX for {$430.00} Order Placed XX/XX/year>. I purchased a laptop from XXXX using my Citi Double Cash credit card. When I initially attempted to return the item, XXXX failed to provide a return label in a timely manner, so I filed a dispute with my credit card issuer. After the dispute was filed, XXXX provided a return label, and I promptly returned the laptop. Tracking confirms the item was successfully delivered back to XXXX. Because the return was completed, I closed the dispute. However, after I closed the dispute, XXXX issued a refund through the chargeback/dispute system instead of processing a standard refund. Because the dispute had already been closed, my credit card issuer rejected the refund, and the funds were returned to XXXX. As a result, I no longer have the laptop and have not received my refund. I have contacted my credit card issuer multiple times to resolve this issue. They have refused to reopen the dispute, reprocess the refund, or provide a clear resolution. They continue to direct me back to the merchant, despite the fact that the refund failure was caused by the timing and handling of the chargeback process. This situation constitutes a billing error under the Fair Credit Billing Act, as I was charged for merchandise that I returned and no longer possess.

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 2026-03-17 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XXXX XXXX my home was vandalized by an ex spouse and I was harmed, my phone was stolen, and my tax refund in the amount of {$4600.00} was transferred out of my account to his account by him. Ive did 7 disputes with chime uploading different evidence every time including my real police report and they keep denying my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am filing a complaint against my federal student loan servicer, Sallie Mae, for wrongfully denying my application for an Income-Driven Repayment ( IDR ) plan. I was laid off in XX/XX/year> and have been experiencing financial hardship. Despite this, I made every monthly payment on time and in full. Due to ongoing financial difficulty, I requested a 2-month forbearance, which was granted. After the forbearance ended, I applied for an Income-Driven Repayment plan to make my payments more manageable given my current income. Sallie Mae denied my IDR application, stating that because I used forbearance, I am ineligible for IDR for one full year. I was not informed of this consequence when forbearance was offered to me. In fact, I was told to let my account default after 6 days in order to reach out to collections and learn about my IDR options. I called yesterday, 6 days after my loan was due as I was told and Sallie Maes XXXX department said I do not qualify. I believe this policy if it exists was not clearly disclosed, and I question whether it is consistent with federal student loan regulations, under which IDR is a protected repayment option for all eligible federal borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
Dates are included in my photo I just uploaded to you. They've threatened my credit and threatened to take legal action on behalf of XXXX XXXX XXXX. Using t h e last 4 of my social

Company response to consumer: Closed with explanation