vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a fraudulent charge, which I have disputed. I never lost my card, so it is assumed the fraudulent charge was stolen either online or through a skimmer somewhere. 

As a result, a new card was sent to me. This new card information was sent to all merchants through the XXXX XXXXXXXX XXXX XXXX. This service leaves me vulnerable because whomever made the original fraudulent charge, was gifted the updated information through XXXXXXXX XXXX XXXXXXXX ( XXXX ). 

Wells Fargo refuses to disable XXXX XXXX XXXXXXXX on my card after calling them XXXX about this. 

I have escalated complaint ticket number XXXX for this issue already to their XXXX level and executive service teams.

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 2026-01-26 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: Klarna AB
State: FL

Complaint narrative:
I spoke to Klarna over two weeks ago and let them know I was in Bankruptcy and to remove all my personal information and to cancel all automatic transactions. They agreed and let me know I wouldnt be charged. I let them know that I do not authorize any future transactions. Yesterday XX/XX/year> Klarna charged my debit card {$140.00} without my consent and when I spoke to them they said they dont believe Im in bankruptcy and will not stop charging my debit card after I reminded them I erased all my info so Im not sure how they found it after they assured me two weeks prior this wouldnt happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Re : CFPB Complaint # XXXX Subject : Request for CFPB Enforcement of AgreedUpon Deletion XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am submitting this followup regarding CFPB Complaint # XXXX. In my original complaint, I clearly stated that : Updating the account to paid or closed is not an acceptable resolution, I am requesting a full deletion, And the collection agency no longer had legal authority to report the account once the original creditor accepted payment. 

XXXX XXXX responded to my complaint and explicitly confirmed in writing that they would initiate the removal of any credit reporting placed by our company once the account was closed. Their response stated : On XX/XX/year>, XXXX XXXX notified us of a payment in the amount of {$620.00}, satisfying your balance. Upon closing of your account, we will initiate the removal of any credit reporting placed by our company. 

Despite this written commitment, Experian updated the account to Paid and Closed instead of deleting it, which directly contradicts : My original dispute, where I made it clear that updating the status is not acceptable, XXXX XXXX  written promise to request deletion with all three credit bureaus, and FCRA requirements, which require the removal of inaccurate, misleading, or unverifiable information. 

Because XXXX accepted payment on January 910, 2026, the collection agency no longer had any legal authority to collect, verify, or continue reporting the debt. Therefore, the account is : Inaccurate, Unverifiable, Misleading, And its continued reporting violates the FCRA and FDCPA. 

Requested Action I am formally requesting that the CFPB enforce the deletion of this collection account from Experian , consistent with : My original complaint, The companys written statement agreeing to deletion, and Federal reporting requirements. 

I also request written confirmation once the deletion has been completed and assurance that the account will not be reinserted. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Formal Complaint Regarding LVNV Funding LLCs Violation of 15 U.S. Code 1692e by Reporting Inaccurate Dates to Credit Bureaus for a Charged-Off XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : I am writing to file a formal complaint against LVNV Funding LLC for XXXXiolations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection. 

The debt in question is an aged XXXX XXXX XXXX XXXX account that was charged off and later sold to LVNV Funding LLC. LVNV Funding has reported inaccurate and misleading information to the major credit bureaus ( XXXX, XXXX, and XXXX  ), including but not limited to an incorrect date of first delinquency, open date, or start date which re-aged this collection on my credit report. 

Key Facts : The original account was with XXXX XXXX XXXX XXXX and was established years ago. 

The account was charged off and subsequently purchased by LVNV Funding LLC for collection. 

LVNV Funding LLC has reported a different ( and incorrect ) Date of First Delinquency, Open Date, or Start Date to the credit bureaus, which improperly re-ages the debt and negatively impacts my credit report. 

Under the FDCPA, 15 U.S.C. 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of a debt. This includes misrepresenting the character, amount, or legal status of a debt, as well as providing inaccurate information to credit reporting agencies. 

1. 1692e ( 2 ) ( A ) : It is afalse representation of the character and legal statusof the debt ( its age and when the clock started for credit reporting ).

2. 1692e ( 8 ) : It iscommunicating false credit information ( the false date ) to a credit bureau.

3. 1692e ( 1XXXX ) : It is adeceptive meansto collect a debt by making it appear newer and more urgent than it is. 

By reporting an incorrect Date of First Delinquency or similar date field, LVNV Funding LLC has : Misrepresented the legal status and age of the debt. 

Potentially extended the permissible reporting period in violation of the Fair Credit Reporting Act ( FCRA ), which limits the reporting of most negative information to seven years from the original date of first delinquency. 

Harmed my creditworthiness and ability to obtain credit under accurate and lawful terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I never received any notice, bill, or communication regarding this alleged debt prior to it appearing on my credit report. I had no knowledge of this account until it suddenly appeared on my credit file, negatively impacting my credit score and financial reputation. Upon discovering this account, I sent a formal demand for proof of this debt via certified mail on XX/XX/year>, which LVNV Funding LLC received on XX/XX/year>. Despite this verified mailing, I never received any response or validation of the debt from your company. 

This lack of response is unacceptable. I have taken the proper steps to dispute this account and request verification, yet LVNV Funding LLC has failed to provide any evidence that this alleged debt is valid or belongs to me. Because this account is not mine, and because your company has ignored my verified dispute, I am demanding that it be immediately deleted from all credit reporting agencies. Continued reporting of this fraudulent or inaccurate account is damaging my credit and causing significant financial harm, and I will take all necessary actions to protect my rights under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/year>, I received a letter from Synchrony Bank stating that the dispute I filed was found in my favor and I would receive a credit to my account in the amount of {$630.00}. I was initially told the amount would post to my account in 7, 10, and then 15 business days. However, the credit has still not posted. They are now saying that they had to re-open an investigation and I may or may not receive the credit. However, that is not what was told me to me in the letter I received. It was very clearly and directly stated that the dispute was already found in my favor and that the amount of {$630.00} would be credited to my account. They are not meeting this expectation and attempting to go back on their word.

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 2026-01-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
My ex fianc used my name as a co-sign on an apartment while my mailing address and living address was nowhere near the same. Ive tried to dispute the {$3300.00} and was denied several times and my credit is being impacted along with housing. Ive never lived in said occupancy and theyve never sent proof of me living there as well.

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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Company : XXXX  XXXX  Account : Ending XXXX I am filing a complaint regarding inaccurate accounting and credit reporting by XXXX XXXX  on my auto lease account. 
On XX/XX/XXXX, the dealership XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) generated a Turn-In & Dealer Buyout document showing the total amount due for lease disposition was {$1000.00}. The same day, the dealership issued a remittance check payable to XXXX XXXX  for {$1000.00}, which I have documented. 
However, on XX/XX/XXXXXXXX XXXX XXXX sent me a document titled " Accounting for Sale of Leased Motor Vehicle '' claiming | owed {$1300.00} in early termination liability, which directly conflicts with the dealer documentation and payment. 
Additionally, XXXX XXXX later provided a payment history that shows internal credits, fee waivers, reversals, and a Lease Residual Deficiency Credit apr to the account on XX/XX/XXXX. 
Spite these adjustments, XXXX XXXX  has still failed to A clear final balance A complete and accurate accounting Confirmation that the account is paid in full Assurance that any credit reporting is accurate I mailed a formal written dispute to XXXX  XXXX  on XX/XX/XXXX, challenging the accuracy of the balance and accounting. I also notitied the credit bureaus at that time. 
XXXX XXXX responded on XX/XX/XXXX, stating that the tradeline was " updated, '' but they still did not provide any clear balance or paid-in-full confirmation. 
I sent a second formal dispute on XX/XX/XXXX, including additional documentation ( dealer turn-in page, remittance check, payment history, and timeline ). XXXX XXXX  has still failed to resolve the inconsistencies or provide a clear accounting. 
This ongoing failure to correct inaccurate information after repeat it notice raises serious concerns regarding XXXX XXXX XXXX  compliance with its obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting and reasonable investigation. 
What I am requesting : Written confirmation of the true final balance A complete and accurate accounting that reconciles all conflicting documents Correction of any inaccurate credit reporting related to this account Written confirmation that corrections have been sent to XXXX XXXX and XXXX  I am attaching supporting documentation, including : Dealer Turn-In & Dealer Buyout page Copy of remittance check payable to XXXX XXXX XXXX XXXX payment history XXXX XXXX corpondence Exhibit timeline second dispute to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: KS

Complaint narrative:
I attempted to withdraw {$600.00} from an ATM on XX/XX/year> and the transaction had an error and did not dispense any cash. Cashapp still charged me {$600.00} for the transaction. I attempted a dispute but they are yet to come to a resolution. I was even able to get the ATM balances report and proof that the transaction was not completed by the ATM and they informed me they also gave cashapp this information yet there is still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I received a new phone and Im attempting to add it to XXXX, they want to authorise the devise with a text message but my phone service doesnt accept their text messages. If I cant authorise my device I would like to close the account. They refused. They said I would need to change my phone service to accommodate them although this is the phone I opened the account with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I disputed credit card charges for a digital game purchased through XXXX XXXX under XXXX Reason Code XXXX ( services not provided as described ). 

After my dispute was denied, the games publisher publicly acknowledged that advertised item mechanics, probability settings, and stat value ranges were not applied as described during a defined period due to coding errors. Specifically, certain advertised outcomes were impossible to obtain, despite being presented to consumers as available. 

These admissions were reported in multiple independent news articles, including coverage by XXXX and XXXX in XX/XX/year>. The reports describe that the defects remained in place for an extended period, were patched without prior notice to users, and that consumers were not informed or remediated at the time of purchase. 

FNBO denied my dispute solely on the basis that I had used the product, without evaluating whether the service was materially misdescribed during the affected period, whether the merchants post-purchase public admissions constituted new evidence, or whether partial recovery for affected transactions should be considered under Mastercard rules for services not provided as described. 

I am concerned that FNBO treated any usage as automatic acceptance and did not properly consider material misrepresentation, post-purchase disclosures, or newly available evidence when evaluating the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: FL

Complaint narrative:
Cashapp just locked me out of my card telling me I misused the card and all I did was try to switch my banking account because my account information was stolen I sent them copies of everything I'm XXXX year 's old I just want to use my new card and put my taxes on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Truist Banks handling of a XXXX transfer error and failure to conduct a complete investigation under Regulation E. 

On or about XX/XX/year> I sent a {$3000.00} XXXX payment to an email address I had successfully used for over three years to pay rent to the same recipient. I later learned that the email address was no longer enrolled with XXXX, and the intended recipient did not receive the funds. 

Truist denied my claim stating only that the transaction appears to be authorized. Truist did not determine or disclose whether the recipient was enrolled at the time of the transfer, whether the funds were accepted, or whether the funds remain pending or unclaimed within the XXXX network. 

Authorization alone does not establish completion or receipt. Truists response fails to satisfy the investigation requirements of Regulation E ( 12 CFR 1005.11 ), which require determining whether an electronic transfer error occurred. 

Truists own correspondence states they are attempting to recover the funds from the receiving institution, indicating the transfer may not have been completed. Despite this, Truist has refused to credit my account. 

I am requesting that Truist : 1. Conduct a complete Regulation E investigation 2. Confirm the enrollment and acceptance status of the recipient 3. Return the {$3000.00} if the funds were not accepted by an enrolled recipient 4. Provide written documentation supporting their determination I am requesting CFPB assistance to ensure compliance with federal law.

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
On XX/XX/XXXX Wells Fargo notified me that it would close my accounts and that a check for the remaining balance, {$9600.00}, would be issued to arrive to my home address after XX/XX/XXXX. Today is XX/XX/XXXX and Wells Fargo has still not issued or delivered any check or otherwise disbursed my funds. Since the closure notice I have been denied access to the account : online and phone access are blocked, ATM/debit transactions and in person withdrawal are declined and have been denied ; branch staff will not complete alternative identity verification after I reported my phone lost. Branch staff direct me to call customer service ; customer service requires phone-based verification I can not complete, creating a verification loop that leaves me without access to my money. I visited branches and called multiple times since the incident. This delay and denial of access has caused financial harm as I have missed bills that are critically needed for my survival.

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 2026-01-26 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been an American Express customer since XXXX, and I am extremely frustrated with how this situation was handled. XXXX years ago, I went through financial difficulties and had a balance on my account. At that time, I had close to XXXX points ( {$2000.00} value ). When I was unable to make payments, the account was canceled, which I understood. What I did not expect was to be misled throughout the entire process that followed. 

I contacted American Express multiple times to explore my options. I specifically asked about debt consolidation, since that would have helped me manage the situation. However, I was repeatedly discouraged from doing that and instead was pushed to pay the full amount directly. It was made clear that if I avoided consolidation and paid everything off, the account could be reinstated and my points restored. Based on those conversations, I believed I was making the responsible decision by following their guidance. 

I eventually paid the entire balance in full, expecting the reinstatement that had been discussed. Only after everything was paid did I learn that there was supposedly a XXXX reinstatement window. This was never clearly communicated to me during any of the phone calls. In fact, a payment plan had been set up for me that lasted over XXXX months, which makes no sense if a strict XXXX limit actually existed. That alone shows that reinstatement was never realistically intended. 

Now I am being told that nothing can be done, and that the points are gone permanently. The entire experience feels misleading and unfair. I was guided away from options that would have helped me financially, encouraged to pay in full, and only afterward informed of rules that were never disclosed when the decisions were being made. The outcome benefits American Express entirely, while I was left with no account, no points, and no resolution. This has been a deeply disappointing experience and has seriously damaged my trust in the company.

Company response to consumer: Closed with explanation