vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: SC

Complaint narrative:
I am filing a complaint regarding both improper billing and the mishandling of my dispute by Wells Fargo involving charges from XXXX XXXX XXXX XXXX related to a rental in XXXX XXXX, XXXX in XXXX XXXX. While I understand that additional charges may apply due to a late return, my concern is not the existence of charges, but the lack of transparency, documentation, and proper handling of my dispute. I was informed that multiple transactions were processed : {$1600.00} ( XX/XX/XXXX ) {$1700.00} ( XX/XX/XXXX ) {$2300.00} ( final in XXXX ) I was never provided with a clear itemized breakdown explaining how these amounts were calculated or how they were reconciled. From my perspective, multiple amounts were removed from my account without a clear release or reconciliation of prior charges. Additionally, Wells Fargo mishandled my dispute : My claim was incorrectly categorized as charged wrong amount The investigation relied only on the information I could provide rather than full transaction data My claim was denied in part due to not submitting screenshots in PDF format, which does not address the substance of the dispute I was not provided with documentation submitted by the merchant A provisional credit was issued and later reversed without sufficient explanation During escalation, I was transferred to a manager who muted my line while I was speaking and disconnected the call. I was told I would receive a callback, which I did not receive. It appears that an initial amount of approximately {$1600.00} was processed based on an expected return date, and later adjusted to {$1700.00} after the actual return. However, I was never provided documentation showing this adjustment, when it occurred, or how the final amount was calculated. Im not disputing that adjustments were madeIm disputing that I was never provided documentation showing how those adjustments were calculated. I am requesting : A full review of how my dispute was handled Reopening or reconsideration of the claim All documentation submitted by the merchant A full itemized breakdown and reconciliation of all charges

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 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Transworld Systems Inc. ( TSI ) is attempting to collect a balance from XXXX XXXX ( Account No. XXXX ) that I dispute. I requested full validation of the debt, including proof of the balance, detailed billing records, all applied payments and credits, and any documentation showing that TSI has the legal authority to collect on behalf of XXXX XXXX. TSI responded to my previous complaint by providing only a summary statement and claimed validation, without including any supporting documentation. They did not provide meter readings, a full billing history, or proof of payments or credits applied. Because of this, the balance they claim may be inaccurate, incomplete, or unverifiable. Despite my requests, the account remains on my credit report and continues to be reported without proper verification. I do not have any agreement or signed contract with TSI and have never authorized them to collect this debt. Their response fails to meet the requirements under the Fair Debt Collection Practices Act ( FDCPA ) to provide meaningful verification of the debt. This lack of documentation and verification creates the risk of inaccurate credit reporting and improper collection attempts. I am submitting this complaint to request that the CFPB investigate this matter, require TSI to provide full and proper documentation validating the debt, and ensure that my credit report reflects only accurate, verified information. I also request that all collection activity be halted until proper validation is provided. This is necessary to protect my rights and prevent collection of a potentially incorrect or unverifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
Between XXXX XXXX XXXX, I made XXXX separate payments through my XXXX debit card to XXXX totaling approximately {$1600.00} ( {$410.00}, {$410.00}, and {$830.00} ) for the same product. Across all orders, I should have received XXXX tiles ( XXXX units with XXXX tiles per box ). Due to repeated fulfillment errors, I only received approximately XXXX tiles total, even after multiple replacement shipments. Deliveries were fragmented ( often arriving one tile at a time ) and never corrected. The merchant acknowledged the issue and issued only a partial refund of {$410.00}, which does not reflect the total amount affected. I filed a dispute with XXXX for the {$830.00} transaction and made multiple attempts to submit supporting documentation, including photos, order details, and merchant communication. I experienced issues with the upload feature and specifically requested confirmation that my documents were received. I did not receive confirmation. On XX/XX/XXXX, I submitted documentation through chat at approximately XXXX PM. My dispute was then denied at XXXX PM the same night. Given the volume of documentation submitted, it is unlikely that a proper review was conducted in that timeframe. The denial also stated that documentation was not provided, which is incorrect. XXXX denied my dispute without addressing the incomplete fulfillment, the related transactions, or confirming review of my evidence. This is not an item not received case, but a failure to deliver the correct quantity of goods across related transactions. I am requesting reimbursement of the remaining disputed amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The collector confirmed through CFPB they terminated collection and requested deletion of the XXXX tradeline. Experian continues reporting the account as verified. Please reinvestigate and delete under FCRA 611.

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 2026-03-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I financed a mattress purchase through Synchrony Bank using a promotional financing plan offered through Mattress Firm that advertised no interest if the balance was paid in full within the promotional period. When the promotional period expired in XX/XX/year>, Synchrony applied {$2100.00} in deferred interest to my account, increasing my balance to {$3600.00}. At the time, I had automatic payments set up on the account and believed I was managing the balance appropriately. However, I later realized that the full balance needed to be paid in full by the promotional deadline, which I inadvertently missed. This substantial increase has created financial hardship and makes it difficult to make meaningful progress toward paying down the account, especially with a current APR of XXXX % continuing to accrue interest on the full balance. I contacted Synchrony Bank ( on XX/XX/year> ) and spoke with customer service and an account manager to request assistance. During my conversation, I explained that I recently experienced a loss of income and that I am currently facing financial hardship, which further impacts my ability to manage the significantly increased balance. I emphasized my willingness to continue making payments and keep the account in good standing. I requested a goodwill adjustment, reduction of the deferred interest, or access to any hardship or assistance programs. I also asked whether I could pay the balance prior to the deferred interest or establish a payment arrangement focused on reducing the principal. Despite my efforts to resolve this responsibly, I was informed that no assistance or alternative options were available due to my current lack of income. I am not attempting to avoid my obligation. I am willing to repay the original balance of {$1500.00} associated with my purchase. However, the addition of {$2100.00} in deferred interest, combined with ongoing high interest charges, has created a situation where my payments are largely applied toward interest rather than reducing the principal. I am requesting a review of my account and consideration of reducing or removing the deferred interest, or alternatively lowering the current interest rate so that my payments can be applied more effectively toward the principal. My goal is to resolve this account responsibly and remain in good standing.

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Complaint Against Transworld Systems Inc. ( TSI ) I am filing this complaint regarding unlawful debt collection practices by Transworld Systems Inc. in connection with an alleged debt originally associated with XXXX XXXX ( now XXXX XXXX XXXX ). I previously disputed this account and requested proper validation. In response, Transworld Systems Inc. sent a letter dated XX/XX/year>, claiming to provide validation. However, the only documentation provided was a Move Out Statement, which is merely an internal accounting summary and does not constitute legally sufficient validation of a debt. Specifically, the company failed to provide : - A signed agreement establishing that I legally incurred the debt - Any documentation demonstrating legal ownership or assignment of the debt - A complete and verifiable payment history Despite failing to provide proper validation, Transworld Systems Inc. continued collection efforts, including sending a settlement offer dated XX/XX/year>. This conduct is a direct violation of federal law, including : - 15 U.S.C. 1692g ( b ) : Continuing collection activity without proper validation - 15 U.S.C. 1692e : Misrepresentation of the legal status and ownership of the debt - 15 U.S.C. 1692f : Use of unfair and unconscionable collection practices Additionally, this account has already been removed from my credit reports, yet the company continues to attempt collection without proper legal basis. I am requesting the following resolution : 1. Immediate cessation of all collection activity 2. Written confirmation that this account will not be reinserted into any credit reporting agency 3. Confirmation that the account will not be sold, transferred, or reassigned to another collector 4. A full investigation into Transworld Systems Inc.s practices in this matter This complaint is supported by documentation including their response letter and the inadequate Move Out Statement provided as supposed validation. I request that this matter be investigated and resolved promptly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collections Acquisition Company, Inc.
State: NY

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 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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I am writing to formally document and assert that Eastern Account System , Inc. has engaged in conduct that violates federal law, specifically the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Eastern Account System , Inc. has repeatedly contacted my employer on multiple occasions regarding an alleged debt, causing disruption and harassment in my workplace. Additionally, they have disclosed information about this alleged debt to my landlord. These actions constitute unlawful third-party communications and improper disclosure of personal financial information. Under the FDCPA, debt collectors are prohibited from communicating with third parties about a consumers debt without prior consent, except for limited purposes such as acquiring location information ( 15 U.S.C. 1692b ). Furthermore, repeated or continuous co mmunication intended to harass, oppress, or abuse any person is strictly prohibited ( 15 U.S.C. 1692d ). The alleged debt in question originates from XXXX in the amount of {$400.00}, associated with an account ending in XXXX. The actions taken by Eastern Account System, Inc. represent clear violations of federal law, including but not limited to : Unauthorized third-party disclosure of debt information Repeated and harassing communications with my employer Improper conduct causing reputational and professional harm This statement is made to formally record these violations and may be used in support of any complaints filed with regulatory agencies or legal proceedings.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I reach out multiple times to credit reporting agencies, such as XXXX XXXX XXXX for debt validation ownership of accounts accuracy of amounts starting XX/XX/XXXX all the way up until the last attempt XX/XX/XXXX I also reached out to the collectors with no response or no proof of ownership or validation. A lot of things were reported on my credit report in accurately by XXXX XXXX and also XXXX such at a multiple addresses were invalid. Multiple phone numbers were invalid from my personal information and also my name. Things were reported to my credit report without my consent or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: MN

Complaint narrative:
am filing a complaint regarding multiple accounts being reported by LVNV Funding on my credit report. The accounts are listed as : LVNV Funding {$1700.00} LVNV Funding {$590.00} LVNV Funding {$770.00} I have disputed these accounts previously, however they continue to be reported without proper validation. I have not received sufficient documentation proving these debts are accurate, mine, or that LVNV Funding has the legal right to collect on them. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Comerica
State: CA

Complaint narrative:
I have a HELOC with Comerica and I created an autopay schedule, I was told that the autopay expired. I went to the website to update and I got a form that I must deliver to a branch which is 30 miles away. During this process I noticed on the website there is no option to make a payment. I feel the Comerica makes it very difficult to make payments so the can potential foreclose or damage a customers credit rating to lock them into a higher rate, some sort of predatory lending scam. How can the CPPB assist me with making my payment? How is Comerica able to get away with making payments so difficult? This occurred XX/XX/year> when Comerica called me to inform me that my payment was passed due when I had autopay set up. The payment is {$430.00} a month. Please help XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of concrete evidence supporting the reliability of this account, combined with the reporting of unverified information, constitutes a violation of the requirements set forth under 15 U.S.C. 1681i ( a ) ( 7 ). This lack of compliance is both concerning and frustrating, particularly given the importance of adhering to legal standards designed to ensure accuracy and fairness in consumer reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
On XX/XX/year>, I submitted a dispute to XXXX XXXX XXXX XXXX regarding an account reported by XXXX XXXX XXXX ( Account # XXXX, balance {$1700.00} ). This account does not belong to me. I never authorized, opened, or signed any agreement with this company or the original creditor. XXXX completed its reinvestigation and marked the account as Verified as Accurate, without providing any supporting documentation or a copy of my signature. This constitutes an incomplete investigation and a failure to conduct a lawful reinvestigation under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ). I also formally requested validation from XXXX XXXX XXXX under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), asking for the original signed contract, the name of the original creditor, and proof of authorization. They failed to provide it. Reporting this account without proper validation violates the FDCPA and has caused credit denials, emotional distress, and harm to my reputation. I am demanding the immediate deletion of this inaccurate account from my consumer report and a written copy of all supporting documentation verifying this debt. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to dispute the following account on my credit report JEFFERSON CAPITAL LLC Last 4 account number : XXXX This account is inaccurate. I am requesting that you investigate this matter and remove the item as soon as possible. Under the fair credit reporting act ( FCRA ) you are required to ensure that all reported information is accurate and verifiable. Please provide proof of this debt, including original creditor information and documentation showing that I am legally responsible. If such information can not be verified, Im asking for immediate removal of collection from all three credit bureaus XXXX XXXX XXXX XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I used a feature called mypay that is synced with my direct deposits within the chime app. I got XXXX dollars. The pay date to pay in full mind you was the next pay date from my employer XX/XX/XXXX to be exact. I started a new job... they took money from the daily deposits of that new job and used it automatically without my consent to pay for the " loan '' well before the date it was due. Several times I had to retake the 'loan out '' resulting in more interest payments. Until finally they stopped my access to using the system even though it was not the set agreed upon due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/year>, I ordered a comfeter and requested its return. The request was authorized, and an authorized return was provided XXXX. I dropped off the package at the XXXX XXXX drop-off facility. Unfortunately, the package was lost during XXXX transit. I filed a refund request, but it was denied. I requested to escalate the matter to a senior manager, and they have refused. XXXX advised me to tell them to file a claim, but they refused to do so. They only communicate with me via email, and my email has been ignored since XXXX XXXX. Therefore, I request that XXXX refund me either for filing a claim or for the purchase price of the merchandise. XXXX XXXX say the merchant has to file the claim. I have dispute it with the bank of America and they have not refunded my money. they say the merchant refused to refund. I have provided proof of return and letter from XXXX XXXX claiming it was lost in transit. they continue to facvor the merchant. Direct reversal : They can process a chargeback and credit your account. Time limits : Most banks allow disputes within 60120 days of the original charge ( check your card agreement ). Evidence needed : XXXX proof of loss + proof that you returned the merchandise per instructions. all has been provided. they still do not refund my money. Even if the merchant refuses, Bank of America has the power to refund you if your evidence proves the item was lost in transit. Its mostly a matter of persistence, proper documentation, and regulatory leverage.

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