vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I have submitted a claim previously. I am following up on that claim that was closed. Wells Fargo refuses to look at any facts regarding the situation that I am in. After no one even caring to look at the facts the first time they 'reveiwed " my case, I contacted a supervisor and also filed a complaint here. At that point I was told to submit the info that I had that proved I was fraudulently induced to make a payment of {$4200.00}. All of the evidence is there. Wells Fargo refused to review any of those facts and claimed that since XX/XX/XXXX days had passed that there was nothing they could do. They responded in writing here stating that, and I started pressing the XXXX who worked in their executive office. When she stated there was nothing that they could do because they are following XXXXXX/XX/XXXX policies, I asked if she talked with them or submitted any sort of ticket to them to explain my case. She was caught off gaurd by her reaction, and then eventually said no. I asked if she was able to submit anything to them. I'm not sure if she gave me a truthful answer as she had already closed this claim when I talked to her. I don't know a bank can't have a way to talk to visa in regards to situations like this. I have proof I was fraudulently induced. The services I paid for were to lastXX/XX/XXXXyear for mentorship, and then lifetime access to his group. All of that was taken away after his admission to his false claims. It was obvious from the start when i talked to the first rep they had no interested in gathering the facts of the case. They never wanted them after I asked to provide them. Then when escalated and I did submit the facts, they were not even considered because of 'the time that has passed " Wells Fargo should and probably does have a way to contact XX/XX/XXXX to submit a case in special circumstances like this, but they refuse to do so.

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 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have not applied for any loans with Check N Go. I am a victim of identity theft. In XX/XX/year>, I received a letter from Check n Go stating that I owed {$4300.00} for a loan I was completely unaware of, did not apply for or authorize. I immediately contacted the company and informed them that this account was fraudulent. The loan was opened in XX/XX/year> without my knowledge or consent. I have never applied for or received a loan from Check n Go, either online or in person, and I did not receive any funds from this loan. At the time, I initially believed my information may have been compromised due to purchasing a car in XX/XX/year>. However, in XX/XX/year>, I received notification that my personal information was compromised in the XXXX data breach in XX/XX/year>, including my name, Social Security number, address and more. This breach occurred at the same time the fraudulent loan was opened. Despite informing Check n Go that this was fraud, I was told they conducted an investigation and determined the account belonged to me even though it was not me. They did not provide any documentation or evidence showing that I applied for or authorized this loan. This indicates that the company issued a loan to someone committing fraud using my stolen identity. I have filed an identity theft report and disputed this account with XXXX, but the fraud account continues to be reported. I am requesting that this fraudulent account be properly investigated and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: AZ

Complaint narrative:
I had called the debt collection company on XX/XX/year> to try and reach a settlement on the {$270.00} balance listed on my XX/XX/XXXXcredit report. The debt collector stated a balance significantly higher than the current balance listed on my credit report. The company directed me to call the original company ( XXXX ) to discuss it with them, but I was informed byXX/XX/XXXX that they were not able to do anything with me as the account had been handed off.

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 2026-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation ofXX/XX/XXXXXXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I opened XXXX checking accounts and XXXX money market account at Synovus Bank on XX/XX/XXXX. I used a promotion that was mailed to me prior to opening the accounts that offered {$450.00} if XX/XX/XXXXXXXX or more direct deposit received with XX/XX/XXXXdays and {$150.00} if XXXX or more debit card transactions completed. I have been told several times that I met the qualifications to receive the {$600.00}. I was first told that the funds would be received XX/XX/XXXX as there are XXXX pay out dates for the promotion funds. I was then told the funds would pay out on XX/XX/XXXX. As of date, I have not received the {$600.00}. I have called numerous times to inquire about this. Synovus bank are falsely advertising promotions to get customers and not delivering on what they advertised. My daughter, XXXX XXXX received the same promotion and was advised that she also met the qualifications for the promotion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding my American Express Savings account, which has been restricted despite my prompt cooperation with all requested documentation. American Express requested account statements to verify activity, and I submitted the requested documents as instructed. However, the review process has taken significantly longer than expected, and my account remains restricted without a clear resolution timeline. This delay is creating financial hardship, as I am currently unable to access my own funds for essential expenses. I understand the importance of security reviews and compliance procedures ; however, the extended restriction period and lack of timely resolution are causing serious difficulty. I have complied fully with all requests and provided the required documentation in good faith, yet I have not received sufficient communication regarding when access to my funds will be restored. I respectfully request that the FDIC review this matter and assist in facilitating a timely resolution. Access to my funds is critical, and the ongoing restriction is creating unnecessary hardship for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint against Bank of America regarding Claim # XXXX. The bank is scheduled to reverse a temporary credit of {$170.00} on XX/XX/2026, despite material evidence that the merchant ( XXXX XXXX ) has already been paid in full for the " total rental bill. '' My insurance company XXXX XXXX XXXX ) settled the total bill of {$1900.00} ( Claim # XXXX ). The merchant is now attempting to double-bill me for an additional {$170.00} balance for the same rental period. I have provided the bank with the insurance settlement letter and a confirmation from the adjuster that the bill was satisfied. The banks dispute department has ignored these documents and is facilitating a double-billing error. I request an immediate stay on the XX/XX/XXXX reversal and a manual review of the insurance payout vs. the merchant 's claim. The merchant is using a generic rental agreement to override a specific insurance settlement ( Claim # XXXX ). Bank of America is allowing this robotic application of a contract to facilitate double-billing, ignoring the fact that the merchant accepted the insurance payment as a full satisfaction of the debt. This car was filled with gas the night before and I took for oil change on my own time. They are a XXXX and I wont be stolen from. XXXX XXXX kept my car for almost 2 months and paid some other bunk fee although they should have handled it all.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Mercury Financial Intermediate LLC
State: CT

Complaint narrative:
Ive tried to resolve this with Mercury financial. I did not receive a notice to opt out. Please provide proof of mailing. Please provide addressed envelope to the correct address because the address you have is incorrect. Please close my account retroactively. I called immediately when I saw the charge in the app and it could have been resolved then. The company has no proof that I received the mailing unless it was sent via certified mail. Secondly, there has been no charges to the card making this an easy fix. Please provide a physical address where a certified writ and summons can be received. Connecticut does not allow for those documents to be sent to a XXXX XXXX XXXX. When can let the courts decide the outcome. I will not go back and fourth about something with a shady company. Several complaints at all venues will be filed until the appropriate action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Jefferson Capital Systems for an alleged debt related to a XX/XX/XXXX account. I disputed this account and requested that the company provide proof of the debt, including documentation showing I am legally responsible. The company failed to provide any such documentation. Despite this, the account continues to be reported on my credit report and has been marked as verified without any proof being provided to me. This raises concerns that the account was not properly investigated or verified in accordance with the Fair Credit Reporting Act. I am requesting that this account be fully investigated and either properly validated with documentation or removed from my credit report. Please provide all documentation used to verify this account, including any contracts, account statements, or proof of ownership of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: IL

Complaint narrative:
I am filing this complaint regarding a debt collectors failure to properly respond to my dispute in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and applicable consumer protection laws. On XX/XX/year>2026, I sent a written dispute and request for validation of the alleged debt. My letter clearly requested specific information, including but not limited to : full validation of the debt, itemization, proof of authority to collect, and responses to specific questions regarding the account. The debt collector failed to respond within a reasonable timeframe ( over XXXX days elapsed ), and when they did respond, they provided only limited documentation that does not satisfy my full request for validation. Specifically, they merely provided what they claim is proof of debt, while ignoring the majority of my requests and questions outlined in my original dispute letter. This incomplete and delayed response does not constitute proper validation under the FDCPA. As a result, the debt remains disputed. Additionally, their failure to adequately respond raises concerns about the accuracy, legitimacy, and enforceability of the alleged debt, as well as their compliance with federal consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
hi i have chase credit card more than XXXX year and paying all my payments on time and there is no late payment ever and i am surprised they saying we are closing your account and they were saying because due to your other accounts we are closing this account i already filed the complain regarding my other accounts as well that they are closing without providing any reason, i have this credit card more than a year if they close my this account my credit score is going to XXXX badly which also going to effect my age of credit this is not a fair, and i want to know why you are closing my credit card account. i never reversed claim i never had late payments every time i am paying full amount, and i am using it as my regular use. its very stressful for me and fully broken to know that, and feeling hapless because i like the chase bank but this completely wrong, i want the proper reasoning for closing my credit card account, and i am ready to giving full explations and proof of whatever the transaction they would ask. i would request to chase please do not close my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
In XXXX, I received by mail a letter created on XX/XX/XXXX by Citi Bank claiming that a credit card ending in XXXX was taken out in my name. The letter stated that I was delinquent in paying off a debt of {$6800.00}. It consisting of {$6500.00} in principle and {$230.00} in fees. Not once had I received any notification of this debt or documents for a repayment schedule. The letter claims this debt was sold by Citibank to XXXX XXXX XXXX for collection. XXXX XXXX XXXX claims that I am responsible for paying this debt. Doing some research into this letter showed several red-flags for fraudulence on it. XXXX, the letterhead has a slight shadow underneath it showing that the Citi logo had been pasted on the paper. XXXX, the balance shows the amount of {$6800.00} instead of {$6800.00}. XXXX, the letter had not been signed or notarized. Doing more research, I took the letter to my local XXXX XXXX branch XXXX XXXX XXXX and he concurred with me that this was a fraudulent letter and that I should disregard its validity and not pay the amount owed. To be on the safe side we started a process where I put a freeze on my accounts with XXXX XXXX XXXX XXXX credit monitoring bureaus. XXXX went by with nothing showing up on these bureaus. Then in XXXX, my credit account from XXXXXXXX XXXX XXXX listed where XXXX XXXX XXXX levied the information to XXXX for monitoring. Knowing this, I met with my financial XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. We did some digging into my credit history with Citi Bank and we found that nowhere in my history with Citi Bank that I ever applied for or received the credit card in question. Citi Bank stated that the credit card was used on XX/XX/XXXX to charge the amount listed above for goods and services at a business named XXXX & XXXX XXXX XXXX. They specialize in XXXX American beauty products and hair styling services. I am a XXXX XXXX XXXX male and would never use XXXX & XXXX XXXX or services. XXXX XXXX suggested that I file a police report on this identity theft. I filed a police report that same day with the XXXX, Alabama police department. I have been checking with the XXXX XXXX XXXX to monitor any discrepancies to my credit status. Meanwhile, XXXX XXXX XXXX is adamant that I am responsible for this debt and is relentless in collecting it. They even contacted me several times during this period to the point of it being considered harassment. I couldnt be surer that I am NOT responsible for this debt. With this ongoing situation, I am submitting the information that has been gathered to dispute these claims from XXXX XXXX XXXXXXXX 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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Funding Metrics LLC
State: NJ

Complaint narrative:
This supplements CFPB complaints # XXXX, # XXXX, and # XXXX against Funding Metrics LLC XXXX XXXX, XXXX XXXX XXXX, and attorney XXXX XXXX XXXX, XXXX XXXX UNACCOUNTED {$6900.00} WIRE On XX/XX/XXXX, I wired {$6900.00} per XXXX 's instructions to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX an address XXXX had marked VACANT. No receipt, no accounting, and no return of funds. In its XX/XX/XXXX CFPB response, Funding Metrics admitted this was a " drafting error '' but provided no accounting. Independently, XXXX XXXX of XXXX XXXX stated in a XX/XX/XXXX email : " You have already paid {$6900.00} into the settlement '' confirming XXXX received and acknowledged the funds. A XX/XX/XXXX voicemail from XXXX confirms : " You paid {$7000.00} into a settlement. '' The money has never been returned or accounted for. THREE FAILED PAYMENTECH RELEASES NO DOCUMENTATION Funding Metrics ' own CFPB response confirms three release submissions, each returning a lower unexplained amount with no written Paymentech documentation produced : Release # 1 ( XX/XX/XXXX ) : submitted {$18000.00} XXXX returned {$15000.00} ( - {$3600.00} ). Release # 2 ( XX/XX/XXXX, same day as my wire ) : submitted {$15000.00} XXXX returned {$9700.00} ( - {$5300.00} ). Release # 3 ( XX/XX/XXXX ) : FM claims funds sufficient but demanded I sign a third new agreement. Total unexplained reduction : {$8900.00}. No Paymentech communications ever produced. XXXX BROKE ITS CFPB COMMITMENT In its XX/XX/XXXX CFPB response, XXXX stated it would " accept direct remittances from XXXX going forward, thereby removing XXXX XXXX from further involvement. '' This was never honored. XXXX continued contacting me by email, text, XXXX, and voicemail through at least XX/XX/XXXX XXXX months after XXXX 's commitment to this Bureau falsely claiming all complaints were dismissed. UNLICENSED COLLECTOR / UNVERIFIABLE ENTITY XXXX XXXX has no verifiable physical presence. Its XXXX address is VACANT ( XXXX confirmed ). Its Delaware registered agent address was returned REFUSED. Phone numbers used for collection ( XXXX ) XXXX and ( XXXX ) XXXX show no registered owner and are geolocated to XXXX, not XXXX. No debt collector license has ever been produced. NOTE : Eight voicemail audio recordings from XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX through XX/XX/XXXX ) are available upon request and can be provided on USB drive or via secure file transfer. Please advise on the preferred method for submission

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Recovery Corporation
State: GA

Complaint narrative:
Received collection notice from agency. I do not know this creditor. I have never done business with this creditor. Can not get the collection agency on the phone.

Company response to consumer: Closed with explanation