vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: NJ

Complaint narrative:
I began renting at the XXXX XXXX residences in XXXX of XXXX. After being approved for the apartment, I was required to pay the first month 's rent and the security deposit before I could move in. In the agreement, it states that when moving out, the security deposit will be used for " rent, utility charges, or any other item for which you are responsible for under the lease. '' My dispute concerns the items that caused the collection. The deposit I gave in XXXX would and should have covered the amount that the residence is trying to claim from me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

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 explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have 31 years banking with Bank of America. I have never been late on any payments. I did not receive my XX/XX/year> statement from the bank and missed the credit card payment. I logged into my account in early XXXX and saw the issue and immediately took care of the issue. Bank of America still reported me to the credit bureaus as 30 days late, significantly impacting my credit scores at a time when I am refinancing a mortgage. I called Bank of America and cited my XXXX years as a customer with 100 % on time payment history and told them I did not get the statement. They told me there was nothing they could do and could not correct the issue with the credit bureaus. All of this for {$87.00}.

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 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I did not consent to these inquiries and received no advance communication. I require a detailed investigation and prompt corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: NJ

Complaint narrative:
XX/XX/year> Wells Fargo Attn : Claims / Executive Resolution Department Claim XXXX Re : Formal Demand Regarding Unauthorized Transfers and Improper Claim Denial To Whom It May Concern : I am writing to formally dispute your determination that the transactions at issue were authorized. I was the victim of an impersonation and phishing scam and did not knowingly authorize legitimate transfers to criminals or knowingly consent to fraudulent activity conducted through deception. Your denial of my claim fails to adequately account for the fact that these transactions were induced through fraud, misrepresentation, and impersonation. At no point did I intend to transfer funds to bad actors, nor did I knowingly approve transactions for the benefit of criminals. Accordingly, I demand that Wells Fargo immediately reopen and conduct a thorough review of my claim. I also request preservation and production of all records, documents, and electronically stored information relied upon in denying my claim, including but not limited to : Authentication and login records IP address and device identification logs Internal fraud detection alerts and risk scoring Call recordings and customer service notes Fraud investigation notes and case files Transaction records and authorization data Communications related to the investigation and denial Any records showing the basis for determining the transactions were authorized Please consider this letter a formal request to preserve evidence relevant to this dispute. Destruction, alteration, or failure to preserve relevant records after receipt of this notice may constitute spoliation of evidence. I further request a written explanation detailing the factual and legal basis for your determination, including the specific evidence relied upon in concluding that the transactions were authorized despite the fraudulent circumstances surrounding them. If this matter is not resolved promptly, I am prepared to pursue all available remedies, including but not limited to : Filing complaints with applicable regulatory agencies ; Initiating arbitration if required under the account agreement ; and/or Filing an action in small claims court or other appropriate legal forum.

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 2026-05-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Capital One Customer Service, I am writing to file a formal complaint regarding the handling of my dispute and the associated refunds for my XXXX orders. For order XXXX, only part of the order was delivered. I contacted Capital One and successfully opened a dispute for the missing item ( case XXXX ) Separately, I returned merchandise totaling {$140.00} from the same order, along with an additional item valued at {$30.00} from another order. There was also a related credit of {$22.00}. All of these amounts should have been refunded by XXXX. Total requested amount from Capital One was XXXX XXXX XXXX However, because the original order is under dispute, XXXX has informed me that they are unable to process any of the pending refunds. As a result, I contacted Capital One again to request assistance in recovering these funds. Unfortunately, Capital One has denied my claim and has not provided a satisfactory resolution. In addition, I spent several hours on the phone today attempting to resolve this matter : The first representative disconnected the call and did not call me back. The second representative required me to explain the entire situation again, only to tell me that he was unable to assist due to a system issue. This experience has been extremely frustrating and time-consuming. I am requesting that Capital One : Reopen and thoroughly review my dispute. Investigate the blocked refunds totaling : {$140.00} {$30.00} {$22.00} Provide a written explanation if any portion of my claim is denied. Improve customer service handling to prevent similar issues. If this matter is not resolved promptly, I intend to file a formal complaint with the Consumer Financial Protection Bureau. Thank you for your prompt attention to this issue. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
An annual fee was charged on XX/XX/XXXX for this inactive account. A statement has not yet been issued for this fee. I contacted Wells Fargo within 5 business days to cancel the card and refund the fee. they refused to refund the fee, even though the card has not been used nor yet even a statement issued for this fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Formal Complaint Regarding Account Issues To Whom It May Concern, I am writing to formally lodge a complaint regarding a series of ongoing issues with my BMO Harris Bank account that started on XX/XX/year>. On that date, I attempted to transfer {$100.00} to my XXXX XXXX account. However, I only had {$90.00} in my BMO Harris account, which I understood would result in a negative balance of - {$10.00}. As expected, the transaction failed, and my account reflected this negative balance. I visited the BMO branch on XX/XX/XXXX, where I was informed that my funds were " in limbo '' and that this issue would resolve itself within 7 to 10 business days. This was extremely frustrating, as the bank 's explanations were unclear. Following this, my account balance fluctuated between - {$100.00} and- {$10.00}, often changing overnight. This inconsistency suggested a glitch in the banking system. By XX/XX/XXXX, my account showed a balance of - {$10.00}, which I intended to rectify. After making a payment of {$10.00}, my account appeared to be in good standing. On XX/XX/XXXX, I received a payment of {$990.00} from the XXXX Treasury. Following this, I attempted to transfer {$400.00} to XXXX XXXX ; however, this transaction also failed, and my account remained in a negative balance. I am at a loss regarding the ongoing glitches and the lack of clarity about the status of my funds. As of today, XX/XX/XXXX, I am still facing unresolved issues. I have begun receiving calls regarding overdraft fees, which is unacceptable given that I have yet to receive a clear explanation of what has transpired. Due to this lack of resolution and communication, I have been compelled to move my state funds to another bank. I urge you to investigate this matter thoroughly and provide a clear explanation of the issues with my account, as well as a resolution to recover my funds. I appreciate your immediate attention to this matter and look forward to your prompt response. 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 2026-05-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: AL

Complaint narrative:
" I am disputing the total principal balance of this XXXX XXXX loan. My son withdrew from XXXX XXXX in XX/XX/year> due to medical reasons, yet the loan reflects a full year 's tuition. Furthermore, I never authorized the payment deferments that allowed interest to accrue, and I believe my account records were mishandled during the multiple transfers between XXXX, XXXX, and Edfinancial. I am requesting a full audit of the 'Return of Title IV Funds ' and a correction of my total balance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: VA

Complaint narrative:
Provided both medical insurance information and advised to bill insurance both XXXX and XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 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: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
To Whom It May Concern, I am formally disputing the lease-end charge for a missing key on my Hyundai lease account. At the time I leased the vehicle, I purchased a lease-end protection plan through the Hyundai dealership , which covers damages and a missing keys at turn-in. As the warranty does cover a missing key, Hyundai is charging more than {$300.00} for the replacement ( {$370.00} ), which causes the warranty company to cover nothing because their policy only applies to keys costing {$300.00} or less. This limitation was not disclosed to when the protection plan was sold, and in fact the selling point was that it did cover missing keys specifically. Because this charge is disputed, I request : Removal or waiver of the missing key charge ; A temporary hold on collections activity, late fees, and negative credit reporting pending investigation ; That the account be marked as disputed while this matter is reviewed. I have attempted multiple times to resolve this by phone and email to Hyundai without success - put on hold for extended periods of time and disconnected, as well as being refused escalation to a manager and stonewalled. Additionally, I was informed that if I turned my lease in early, I would just be responsible for the remaining payments, but upon receiving the end of lease bill, it shows a {$400.00} charge for turning in the lease plus $ XXXX of taxes that was not disclosed to me. I would very much appreciate your help in resolving this situation. Thank you.

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 2026-05-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Fair Collections & Outsourcing is reporting a rental collection balance of approximately {$33000.00} for XXXX XXXX XXXX. After disputing the account, I requested validation and accounting documentation supporting the reported balance. The ledger that was provided ends on XX/XX/XXXX. However, I later obtained written confirmation from XXXX XXXX XXXX XXXX XXXX showing that a {$10000.00} rental assistance payment was issued to and cashed by XXXX XXXX XXXX on XX/XX/XXXX. Because the ledger used to validate the balance ends before this documented payment was cashed, the accounting documentation provided appears incomplete and may not accurately reflect all payments applied to the account. I am disputing the accuracy of the balance being reported to the consumer reporting agencies and deletion is required.

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 2026-05-11 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: VA

Complaint narrative:
MIDLAND XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND XXXX 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 2026-05-11 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: Chime Financial Inc
State: KS

Complaint narrative:
Originally filed a dispute in the amount of {$26.00} on Chime against XXXX XXXX XXXX store due to a wrong delivery / order that was delivered to my place of residence Original dispute was filed XX/XX/year>. Submitted evidence to prove goods not received/ not as described. Dispute was denied on or around XX/XX/year> due to Chime claiming no billing error occured. Reopened case submitting new evidence of item i was to receive on or XXXX XXXX. Dispute was denied again, claiming no billing error occured.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have an {$18000.00} car loan with XXXX and I pay XXXX a month. A couple of weeks ago I was pressured by a XXXX sales person that he could save me money refinancing. When I got the letter from XXXX it was up to {$29000.00}. Saving me money? I dont think so. I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
I am disputing a collection account being handled by Conserve related to XXXX XXXX XXXX. I have not received proper written notice or validation of this alleged debt. My XXXX report shows CONSERVE listed as a collection agency/attorney account, and the report also separately shows XXXX XXXX as a different collection agency. Because XXXX XXXX XXXX is being handled by Conserve, I am requesting that Conserve verify the account directly and provide documentation showing the debt is valid, belongs to me, and is being reported accurately. I dispute the balance, ownership, original creditor information, current creditor information, date of first delinquency, notice history, and Conserves authority to collect or report this account. I am not asking for a generic response or a simple confirmation of my name and balance. Under 15 U.S.C. 1692g and 12 C.F.R. 1006.34, debt collectors are required to provide validation information. Under 15 U.S.C. 1681s-2, furnishers must report information that is complete and accurate. If the account can not be validated with actual documentation, it should not continue reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IA

Complaint narrative:
On XX/XX/year>, approximately XXXX XXXX Eastern standard standard time I sent a wire transfer for {$49000.00} to a fraudulent account wish I was told was an FBI account with XXXX XXXX and XXXX Florida the next morning XX/XX/year> at XXXX XXXX I canceled the wire and reported it as being a fraudulent wire on Monday XX/XX/year> the XXXX XXXX personnel called or emailed my Navy Federal credit Union saying they had received a fraud alert on the wire and never deposited into the account that it was intended to be deposited in. Navy Federal credit Union says the money was stop from going into the account at XXXX XXXX in XXXX Florida. They can not help me or do not want to help me find the money if it was a wire transfer that was stopped within XXXX hours with a fraud wire alert. The money was not deposited in the XXXX XXXX and no one seem to tell me where the money is they only told me they are not responsible for the money and I would have to contact the XXXX XXXX bank that stopped the wire transfer. I have called XXXX XXXX bank and ask for the fraud department and no ones willing to speak to me about the subject. The money {$49000.00} should be returned to my savings account where the money was taken out when I made the wire transfer to what I thought was the FBI. I have not been able to get any help. Ive called every day or almost every other day spoke to Navy Federal credit Union they tell me they have no more information. They also told me I cant speak to anyone in the back office because theyre not allowed to let members of the credit union speak to someone in the back offices. The money is out there and should be returned to me. I reported it to the FBI hopefully, I can get a response to find out who could help me with this matter. I have spoken to an attorney for consumer affairs, but theyre not willing to take the case at this time.

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