vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
In XXXX, my personal identifying information was stolen after my wallet containing my drivers license and Social Security card was lost. Beginning in XXXX, I discovered multiple accounts and credit inquiries opened without my authorization. 

In XX/XX/XXXX, American Credit Acceptance began reporting a fraudulent auto loan to my credit reports for approximately {$7300.00}. I never applied for, authorized, or benefited from any loan or vehicle from this company.

I took formal action to report the fraud, including filing an FTC Identity Theft Report, a police report, and a notarized identity theft affidavit. These documents were submitted to American Credit Acceptance and the credit bureaus. Despite this, the company continues to furnish the fraudulent account to the credit bureaus. 

Since XX/XX/XXXX, American Credit Acceptance has repeatedly responded to my disputes with the same form letter, stating that no new information has been received, even though valid identity theft documentation has already been provided. The company has not conducted a meaningful investigation and has refused to delete or block the fraudulent account. 

I have disputed this account multiple times and complied with every documentation request. The companys repeated use of duplicate response letters and continued reporting after confirmed notice of identity theft constitutes ongoing furnishing of inaccurate and unverified information. 

I am requesting CFPB assistance because the company is refusing to correct or remove fraudulent credit reporting despite documented identity theft and repeated notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Illegal mishandling of my account. Wells Fargo closed my account without notice. Wont allow me access into my account. Never communicated with me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, There was XXXX fraud transaction in a total of XXXX charged to my credit card account. I found it on XX/XX/XXXX and filed a dispute then. Three days later my dispute was rejected and I was told it is because the chip was used in the store. However the transaction happened through card number ending in * XXXX. We never had this card and two different card membership service representatives told me this card was reported lost earlier. 

I talked with my case processer XXXX XXXX for this case. I explained everything to her and she agrees it seems not right and promised she will investigate and potentially reopen the dispute. I requested to receive all the documents their decision relies on XXXX tried to call me back three days later ( early XXXX XXXX morning ) I missed the call and I immediately call back but it was auto voice mailbox. I called card membership 5+ times after that and left many message requesting XXXX or her manager to call me back and share the documents they rely on. It has been two weeks and I did not receive anything, neither the call or the documentations. My dispute was not reopened and no provisional credit sent to my account

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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XXXX a with a zero balance owed on the CC a charge of {$19.00} was made by XXXX. On XX/XX/XXXX another charge for the {$19.00} again by XXXX. These charges was NOT authorized by me. 

I was NEVER notified via email or paper bill chargers had been made. I was only notified by XXXX XXXXXX/XX/XXXX that a 30 Day late had been attached to my credit report from this CC company. 

Paid the bill to stop any type of further issue. 
I then called the credit card company and explained that they weren't my charges. 
They were more than willing to open up a fraud case and credit what I had paid. I have attached a copy of the charge and the credit. 

I filed disputes with ALL credit bureaus. However, Credit Bureaus said that the CC company said I DID make the charges and would NOT recall the 30 Day late. I Never received services or products for these charges. I was never notified I had charges pending on a ZERO balance card. 

I have asked several of the representatives how they could tell the credit bureau that i was responsible for the charges mage from XXXX and given a 30 day late and not make me pay for the charges they reversed.. 

Once again. I never made or allowed anyone to make these purchases. I never received notice that charges were made on the card. A third party credit monitoring service notified me of the 30 day late and how they can tell the credit bureaus that I did make the charges but refund the charges as if I didn't make them. 

I have since cancelled the Credit Card and will not do business with them again

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am placing my name in for the Class Action Law Suit in reference to Cash-App. I have been using this card for several years and has XXXX over XXXX, in Cash. I would appreciate it if my name is added to the List XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: KY

Complaint narrative:
This complaint seeks clarification of statements previously provided by Bank of New York Mellon to the CFPB regarding the servicing of my home equity line of credit ( HELOC ). 

In CFPB XXXX XXXX. XXXX, Bank of New York Mellon stated that : The HELOC was held in the CWHEQ Revolving Home Equity Loan Trust, Series XXXX Bank of New York Mellon acted solely as indenture trustee and did not service the loan XXXX XXXX XXXX XXXX ( XXXX ) was identified as the Master Servicer responsible for servicing the loan Subsequent written correspondence dated XX/XX/year>, from counsel for XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( which has acquired XXXX ) states that : XXXX did not service the XXXX XXXX did not service the HELOC No servicing records exist These statements appear to be materially inconsistent with Bank of New York Mellons prior CFPB response XXXX XXXX XXXX XXXX XXXX. 

Please confirm whether Bank of New York Mellons prior CFPB statement identifying XXXX XXXX XXXX XXXX as Master Servicer for this HELOC was accurate, and if so, identify the entity that currently holds the servicing records and servicing authority for this loan. 

This complaint is submitted solely to reconcile inconsistent information provided to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT AND THIS COLLECTION COMPANY 'BELIEVES " I AM THE ONE WHO OPENED THE ACCOUNTS. I AM DECLARING THAT I AM NOT THE ONE WHO OPENED THIS ACCOUNT AND SUBMITTING THIS IDENTITY THEFT REPORT AS PROOF THAT I DID NOT OPEN THESE ACCOUNTS AND THEREFORE HAVE NO OBLIGATION TO THEM. PLEASE REMOVE THEM FROM MY CREDIT REPORT AND CONDUCT A THOROUGH INVESTIGATION. PLEASE HAVE THEM RESPOND TO THIS AS SOON AS POSSIBLE THIS IS RUINING MY CHANCES OF BEING ABLE TO BUY A HOUSE. UNLIKE MY PREVIOUS COMPLAINT, I'M ATTACHING AN IDENTITY THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Columbia Debt Recovery. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Columbia Debt Recovery can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Columbia Debt Recovery .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, Truist charged me a {$36.00} overdraft fee under its XXXX XXXX program. My account overdrafted because I forgot to cash out my XXXX XXXX earnings that day. I rely on these earnings for basic living expenses, and as soon as I realized the issue, I immediately cashed out my XXXXXXXX XXXX balance the next day to bring the account positive. 

I genuinely believed that overdraft coverage was meant to protect customers from overdraft fees, not approve transactions and then penalize them afterward. This was an honest, one-time mistake that I corrected immediately. Despite explaining this to customer service and asking for a waiver, Truist refused to help. 

A {$36.00} fee represents a significant financial burden for someone living paycheck to paycheck. Truists refusal to show any flexibility or empathy in this situation feels disproportionate and punitive, particularly toward customers with limited financial resources. I believe the overdraft coverage program is misleading in name and disclosure, and I am requesting a refund of the overdraft fee and clearer, more transparent disclosures so other consumers are not similarly harmed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I am writing to formally escalate and document my claim regarding improper and unauthorized charges applied to my U.S. Bank merchant account. 

I am the owner of XXXX XXXX XXXX, a small business that has been using a U.S. Bank credit card processing machine since XX/XX/year>. From the outset of our business relationship, I requested, signed for, and received only XXXX ( XXXX ) merchant terminal. At no time did I request, authorize, or receive XXXX ( XXXX ) machines. 

Over a period of approximately fifty-four ( XXXX ) months, U.S. Bank charged my account {$260.00} per month in other fees, which I was later told were related to XXXX merchant machines. I categorically dispute these charges. I have only ever had XXXX machine in my possession, XXXX machine in operation, and XXXX machine delivered to my business. 

Despite my repeated explanations, I was informed that U.S. Bank claims I signed for XXXX machines. This assertion is inaccurate and does not reflect the actual services or equipment provided to my business. I again request verifiable documentation proving delivery and acceptance of XXXX machines, as such documentation does not align with reality. 

Additionally, I was charged {$100.00} for PCI compliance non-compliance. I was never informed, advised, or properly notified that I was required to complete PCI compliance, nor was I warned that failure to do so would result in penalties. As a small business owner acting in good faith, I relied on U.S. Bank to provide clear guidance regarding compliance obligations. 

After disputing these charges, U.S. Bank issued only a partial refund of {$1000.00} for equipment fees and {$300.00} related to PCI charges. This refund does not account for the full amount improperly charged over the XXXX period and does not resolve the underlying issue of unauthorized billing for equipment I never received. 

I have acted in good faith at all times and have made every effort to operate my business in compliance with the law. I did nothing improper, nor did I authorize the services and equipment for which I was charged. Charging a small business for nonexistent equipment over multiple years represents a serious billing failure that must be fully corrected. 

Accordingly, I formally demand : A full refund of all fees charged for the alleged XXXX merchant machines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am submitting this formal complaint regarding XXXX handling of my wireless service following the XXXX merger, as well as their subsequent refusal to honor equipment returns, service credits, and their improper placement of an invalid balance into collections. 

Summary of Events XXXX XXXX : XXXX migrated my account to XXXX. 

XX/XX/XXXX : I reported having no service in my area. XXXX acknowledged a tower issue and stated they were working on repairs. 

XXXX XXXX : I contacted XXXX multiple times regarding the ongoing outage. Each time, I was told the issue was still unresolved. XXXX repeatedly assured me that I would receive bill credits for the months without service. 

XX/XX/XXXX : After XXXX months without service, I was forced to cancel my plan and switch providers. I attempted to return the XXXX XXXX XXXX devices associated with the account, but XXXX refused to accept them. 

XX/XX/XXXX : I again contacted XXXX to return the equipment and request the service credits previously promised. They refused both the return and the refund. 

Despite refusing the equipment return and despite the devices remaining blocked and unusable, XXXX placed a balance of {$2000.00} into collections for the XXXX phones. 
XXXX then sold this alleged debt to Jefferson Capital, who has since repeatedly contacted me by phone and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Im a new account holder, tried Chase bank. Didnt love it so I wanted to go back to my old bank. I brought my account to a XXXX balance, and instead of closing it like I wanted, they charged me a fee. I just want the account closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an inaccurate and improperly reported debt in the amount of {$700.00}, which appears on my credit report under Caine & Weiner, allegedly on behalf of Progressive XXXX. 
I dispute this debt in its entirety for the following reasons : No Contractual Relationship with Caine & Weiner I have never entered into any contract, agreement, or business relationship with Caine & Weiner. At no time have I authorized them to collect any debt from me. 
Debt with Progressive XXXX  Is Not Owed The alleged balance is tied to an insurance matter involving Progressive. However, the individual involvedmy sonwas explicitly designated as an EXCLUDED DRIVER on the policy. Because he was excluded, no coverage applied, and therefore no valid or enforceable debt exists. 
Failure to Properly Validate the Debt This account has been reported to credit bureaus without proper validation and without proof of a legally enforceable obligation. Reporting an unverified and disputed insurance debt violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Credit Reporting Harm This inaccurate reporting has negatively impacted my credit and financial standing. Reporting a debt that is not owed, not validated, and tied to an excluded driver is misleading and harmful. 
I am requesting that : Caine & Weiner immediately cease collection activity The account be fully removed from all credit reporting agencies Progressive XXXX  provide documentation proving the validity of this alleged debt, if any exists If this matter can not be resolved promptly, I am requesting CFPB assistance to ensure compliance with federal consumer protection laws. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Trying to collect for XXXX that was deemed not mine it was previously removed from my credit now a company XXXX XXXX is trying to collect with no accurate documentation this was already resolved through previous dispute and should be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
I contacted Greensky several times. The first time wanted to know when did I opened an account that was related to my dental implant services. I contacted them twice since then both times wanting a reduction in my payment since the implants the dentist put in only lasted XXXX years and I went to another dental office to have them replaced and they did them for free when they discovered XXXXXXXX XXXX charged me {$40000.00} XXXX XXXX XXXX with XXXX XXXX told me he will not be doing anything else on my implants even though I was not happy with them. I was got at least a reduction in the bill XXXX XXXX XXXX will not take my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: VA

Complaint narrative:
I have had 2 accounts closed in less than 6 months which I can verify all activities and there is no reason for either account to be closed or deactivated Cash app has done nothing to resolve the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC
State: SC

Complaint narrative:
I've attempted to reach out to this company because this isn't my debt because inever set up a student loan with a private student loan agency. i also attemt to dispute this debt on several occassions and i don't know how it's being verfied because the number in the system isn't correct no one answers the phone. i'm requesting for this to be removed because it's not owed by me because i never went to their school or rceived any funds from them. i also complained to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
After submitting requests to pay my Chase credit card balance, the money was withdrawn from my bank account but not applied to my Chase credit card balance at all. This was done through Chase 's mobile app XXXX times : XXXX XX/XX/year>, for {$53.00}. XXXX XX/XX/year>, for {$150.00}. XXXX XX/XX/year>, for {$100.00}. And lastly, XXXX XX/XX/year>, for {$200.00}. I have called a handful of times starting XXXX XX/XX/year>, and followed their dispute process multiple times only to be told that their investigation was inconclusive and that they have no record of me paying them through their own app. I get transferred between multiple people after waiting for extended periods just to continue to be pushed in a circle. In total, I have had contact with Chase about this issue on the phone at least XXXX times and on the XXXX XX/XX/XXXX, XXXX, and XXXX, as well as XX/XX/XXXX, XXXX, XXXX, and XXXX. I've contacted my bank XXXX XXXX XXXX XXXX XXXX multiple times and was told that Chase requested the money and received it but that they can't help me besides giving me trace numbers. They said that Chase should be able to use the trace numbers to find where my money went, but when calling Chase, they claim to have no record of my payments and tell me to contact my bank. XXXX shows all XXXX transactions went to Chase. The fact is, I paid my credit card payments through Chase 's app, and they weren't applied to my account. So now I'm expected to pay a balance I have already paid as well as interest.

Company response to consumer: Closed with monetary relief