vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been dealing with an unresolved issue for over 10 days involving a transfer of approximately [ $ amount ] between my debit and credit accounts at Wells Fargo. Despite multiple phone calls, emails, and two in-person visits, including a case filed by the branch manager, my funds have not been returned and I have not received a clear explanation. I have made numerous phone calls, and each time I am transferred back and forth between the debit and credit departments without receiving any clear answer or resolution. This has been extremely frustrating and unhelpful. I have also previously reached out to executive customer relations, but the issue remains unresolved. This situation has caused significant inconvenience, stress, and loss of access to my own funds. I am requesting immediate resolution, a full explanation of what happened to my money, and appropriate compensation for the delay and inconvenience.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
I had a credit card with a company by the name of XXXX. Due to some unexpected life problems, I was behind on my credit card payment. I had been making whatever I could make on the card to try & keep it current. Apparently on XX/XX/year>, the card was closed, & a letter stating it was closed was mailed on XX/XX/year>. My company sold & cashed out my stock plan, so I had received enough to get back on track with everything in my life, including my card. When I signed into the account on XX/XX/year>, there was an offer for a credit payment match for my card. I paid {$450.00} & XXXX matched up to 50 % ( {$220.00} ). In that statement did not show that the account was closed. It said it would be applied to my card. The company is now not wanting to work with me at all to either reopen the account or negotiate the remaining balance. They are also claiming that if payments are made, they will keep reporting to credit agencies which Im trying to see if thats true since the card is showing as closed on my credit report as of XX/XX/year>. My main problem is that I feel I was lied to about my card still being open when I was offered a payment match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding an unauthorized withdrawal from my savings account. I was informed that my account was charged off and sold. Despite this, funds were transferred from my savings account and applied toward the charged-off debt. I do not understand why this occurred, especially if the debt was no longer owned by Navy Federal Credit Union. I am requesting : * An explanation of why funds were taken from my savings account * Proof of legal authority for the withdrawal * Confirmation of whether the debt was sold, and if so, when and to whom * Reversal of the funds if the withdrawal was not legally authorized I attempted to resolve this directly with the institution, but I was told they do not know why the funds were transferred. This has left my account in dispute and I am requesting regulatory review and correction. Please investigate this matter and require the institution to provide documentation and remedy the situation appropriately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: UT

Complaint narrative:
I am filing this complaint regarding repeated text message communications from Frost-Arnett Company related to an alleged debt, without having received the required written validation notice. Frost-Arnett Company initiated contact with me via text message on or about XX/XX/year>. Since that time, I have received multiple additional text messages, including messages sent approximately weekly ( for example, XX/XX/year> and XX/XX/year> ). These text messages include links directing me to payment portals and requests to call their office, which constitute attempts to collect a debt. However, I have not received any written validation notice by XXXX Mail within five days of their initial communication, as required under 15 U.S.C. 1692g ( a ). As of the date of this complaint, more than twenty-one ( 21 ) days have passed since the initial contact, and no written notice has been received. Additionally, the text messages do not clearly disclose that they are an attempt to collect a debt. The messages contain shortened hyperlinks ( such as XXXX XXXX ) and external payment portals, which obscure the nature of the communication and do not provide the required disclosures. The only account reference provided by the company is from text message links ; no written notice or account documentation has been received to confirm this number. I have also sent written correspondence to Frost-Arnett Company requesting validation and directing that all communications be conducted via XXXX XXXX Mail only . This correspondence has been made available for pickup at their local post office for days, yet the company has continued to send text message communications. This conduct demonstrates : - Failure to provide a timely written validation notice - Continued collection activity without proper notice - Use of communication methods that lack required disclosures- Continued electronic communication despite a written request for mail-only contact I have retained copies of all text message communications, records of my written correspondence, and XXXX tracking information showing the status of my mailed letter, and will provide them upon request. This pattern suggests that required disclosures are not being effectively delivered prior to collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: FIRST PORTFOLIO SERVICING INC
State: LA

Complaint narrative:
I always check and stay up on top of credit reports. I just so happened to check one day. To find out that XXXX XXXX is reporting two accounts on my credit reports as " DEBT BUYER. '' Meaning they have brought this debt from the original creditor to collect. Which is illegal, violated my rights, and sold my personal information to another company including my Social Security Number to collect on debt I don't owe them. They have not provided the following paperwork to validate : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including any fees, interest, or charges. 3. Documentation showing that I am legally obligated to pay this debt. 4. Proof that your agency is authorized to collect on this debt. 5. A copy of any agreement or contract bearing my signature related to this debt. Til this date. They have not sent anything to email or written to my mailing address. I called, I was denied and last call they hung up in my face. This is hurting all three of my credit reports. I tried and tried, but they will not talk to me or my lawyer. I think this should be deleted asap. I tried to take care of it going on 6 months. They don't have the right paper work. They are not the original creditor. My debt was sold without notifying me. This is illegal. Thank you. * * * * * * * * * * * * * * * * * ACCOUNTS ORIGINAL CREDITORS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
They close my account for NO RESON causes me a lot problems they asked about my nationality and close right after this question I request a resolution what chase Morgan has done to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a text message requesting a code to send XXXX from my account. I did NOT initiate this wire or know anything about it. In fact, this account had not had any wires from it in years, and definitely none to the recipient. At XXXX PDT, just two minutes later, I was on the phone with Wells Fargo Fraud department telling them I know nothing of this wire, did not initiate it, nor do I approve it. Wells Fargo failed to act immediately or take appropriate action, and in our 57 minute phone call, not only did the wire for XXXX go out, but an additional wire, to the same recipient for XXXX was also sent out, both released whilst I was on the call to Wells Fargo fraud department. Wells Fargo, under claim number XXXX are claiming that I authorized these wires, which is not only inaccurate, but I was on the phone with Wells Fargo whilst the first wire was released, the second wire was initiated and then also released.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I financed cataract XXXX through XXXX XXXX, issued by Comenity Capital Bank, using a XXXX promotional no-interest financing offer in XXXX of 2023. At the time of XXXX, I specifically asked what monthly payment amount I needed to make to ensure the balance would be fully paid within the XXXX promotional period and avoid interest charges. I was told to pay {$220.00} per month. I relied on that guidance and made payments accordingly. I signed up for automatic payments and hadn't receive any email updates regarding the promotional period. I noticed another automatic payment from my checking account which prompted me to log into my account which is where I saw the new interest charges. I have now learned that the quoted payment amount actually resulted in an approximately XXXX payoff schedule instead of 24 months. Because the balance was not fully paid by the promotional deadline, I was charged over {$2000.00} in deferred interest. This is incredibly deceptive and a manipulation of me, the consumer. Had I been provided accurate payoff information, I would have immediately increased my payments and ensured the balance was paid before the deadline. I contacted the company directly to request a resolution, but the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
American Express now XXXXXXXX XXXX XXXXXXXX called everyone in my contact list, even people I don't have because they changed their phone number but was still able to call them on behalf of me illegally. From XXXX - XX/XX/XXXX, American Express and XXXX XXXX called each and everyone in my contact list without permission. My step daughter changed her phone number and I didn't have it, but they were able to contact her. This is a direct violation of Fair Debt Collection Practices Act ( FDCPA ). When I asked them why they contacted people in my contact list, they claimed they had all the authority to do so when it isn't true. Now I know my rights and this is a direct invasion of privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

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

Company 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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: KY

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
To whom it may concern : I am a victim of identity theft. The information listed on the attached police report appears on my credit but I did not make or approve these accounts. This happened because of identity theft. please delete/block this information from my credit report, pursuant to section 605B of the fair credit reporting act, and send a notice to all of the businesses that supplied this information. The fair credit reporting act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to notify the business that sent you the information. I have attached proof of my identity and the police report. Please send me a letter to the address above after you have removed the information from my credit report and sent notice to the three businesses involved. REPORT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$17000.00} Open date XX/XX/XXXX Merchants and medical rivers edge apartments Open date XX/XX/XXXX Balance {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Open date XX/XX/XXXX XXXX # - XXXX Balance {$98.00} Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I sent a cease and desist letter to NCB Management Services , Inc. and/or XXXX XXXX XXXX XXXX XXXX requesting that all phone calls stop. After receiving this notice, the company stopped calling for a period of time. However, they have now started calling again, despite my prior written request to cease all communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
When I clised my account with XXXX XXXX, they charged my Wells Fargo debit card ending in XXXX {$290.00} which was UNAUTHORIZED. They charged my card on file in error. I first tried contacting XXXX XXXX and was assured they would charge back the money to my Wells Fargo card on file. I called Wells Fargo and opened a claim. After apparently doing nothing, Wells Fargo denied and closed my claim. I again contacted XXXX and was assured the money would be charged back to my debit card. I again opened a claim with Wells Fargo which they again denied and closed. This was a completely unauthorized charge. I never authorized this charge and Wells Fargo should have never denied this claim and put me through the stress of sending document after document after document, always telling me it wasn't enough even though this was an unauthorized charge. I must have sent 20 documents to them despite just having a 7 hour back XXXX which resulted in a XXXX XXXX XXXX XXXX XXXX. My back is literally split in half. This unauthorized charge has caused my checking account to become overdrawn. This has caused me to transfer money from MY WELLS FARGO CREDIT CARD to MY WELLS FARGO CHECKING ACCOUNT to PAY MY WELLS FARGO CREDIT CARD!!!! I think Wells Fargo needs to pay me punitive damages for all the unnecessary stress caused by their failure to correct an unauthorized charge to my account. Please contact them to provide the numerous email documentation I sent them. I am on strong pain medication and just don't have the strength right now to dig them all up. The burden should be on them. They are supposed to advocate for their customers who have unauthorized charges to the money that Wells Fargo is allegedly safe keeping for the customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: OK

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation