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: NJ

Complaint narrative:
I am disputing an unauthorized charge on my account from XXXX in the amount of {$89.00}. I did not sign up for, authorize, or use this service. On XX/XX/year>, I noticed this charge on my account and immediately contacted my bank, Wells Fargo, XXXX dispute it. The bank initially issued a refund ; however, the credit was later reversed and the charge was placed back on my account without my authorization. Wells Fargo has stated that the transaction was a digital purchase made on my phone. This is incorrect. I have never downloaded or used XXXX, XXXX there is no record of this subscription in my XXXX subscriptions or XXXX purchase history. The charge also appears directly from the merchant, not through XXXX, further confirming that I did not authorize it through my device. I have made multiple attempts XXXX resolve this issue with Wells Fargo and have clearly stated that this transaction is unauthorized. Despite this, the charge has not been permanently removed, XXXX I have been told to wait for further review. I am requesting that this charge be permanently reversed, that no further charges from this merchant be allowed, XXXX that this matter be properly investigated as an unauthorized transaction.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting XXXX my credit file and is against my rights XXXX fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX To Whom It XXXX Concern : I am submitting this complaint regarding a {$4600.00} charge made on XX/XX/XXXX to XXXX XXXX XXXX XXXX using my Chase XXXX credit card. This purchase was for an ongoing home warranty service contract. On XX/XX/XXXX, I attempted XXXX file a claim for a washing machine issue through XXXX XXXX XXXX. At that time, I discovered the company had filed for Chapter XXXX bankruptcy XXXX is no longer operating. The bankruptcy case has been closed as a no-asset case, leaving no ability for the company to fulfill the contract or provide any refund. I promptly contacted Chase to dispute the charge under services not rendered. However, Chase denied my claim ( see attached letter from Chase dated XX/XX/XXXX ), stating that too much time had passed since the original transaction XXXX that the merchant was not willing to credit my account. This reasoning is not applicable in this situation. The failure of service did not occur at the time of purchase in XX/XX/XXXX. The failure occurred on XX/XX/XXXX, when I attempted XXXX use the service and discovered the company was no longer in business. Additionally, the statement that the merchant is not willing XXXX provide a credit is inaccurate, as the merchant is bankrupt and no longer exists as an operating entity. This is not a standard billing dispute. This is a prepaid, ongoing service contract that has been terminated due XXXX the companys bankruptcy, leaving me with no ability XXXX receive the contracted services or recover my funds. I am requesting that Chase reconsider my claim under services not rendered or applicable consumer protection provisions, as I have no XXXX XXXX for recovery. I have also attached supporting documentation on bankruptcy. Credit card number submitted on this is a new number but same card as it was in XXXX. For some reason needed new number. Thank you for your attention to this matter. 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: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The statement does not align with my actual approach to financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I made a car rental reservation through XXXX using my apple card on XX/XX/XXXX. Economy bookings does not actually rent out vehicles, they just organizer the bookings. The reservation was for a trip occurring in XXXX of XXXX. The rental car was XXXX be picked up on XX/XX/XXXX with an expected arrival time of XXXX. My families flight was delayed moderately XXXX we arrived around XXXX. When we called the rental agency upon arrival, we wer told that the car reservation had been given away due XXXX overbooking XXXX that no other vehicles were available ( they could not fulfill the service that had been paid for ). The rental company also confirmed that XXXX would not be charged for the rental XXXX that I should pursue a refund through them. I reached out to XXXX and requested a refund, but was declined because we arrived after our scheduled time. I explained that the late arrival was due XXXX flight delays and also explained that the paid for service was not delivered as the rental company had overbooked their supply of rental cars. I also confirmed with them that they were not billed by the rental car company as the rental car company did not provide a rental car. As XXXX refused XXXX make the situation right, I filed a dispute through my apple card ( Goldman Sachs ). I received an immediate credit for the dispute on XX/XX/XXXX. I did not receive any communications from XXXX XXXX assumed the matter resolved. On XX/XX/XXXX, the dispute credit was reversed. I reached out XXXX support to understand why the credit had been reversed XXXX was told that they had received information from XXXX that the service had been provided. At this time I filed an additional dispute with additional information again confirming that the service was not provided on XX/XX/XXXX. XXXX again applied a credit for the disputed amount, but this was reversed on XX/XX/XXXX. XXXX again stated that they received information that the service had been provided XXXX ignored the evidence that I provide showing that it had not been provided. These are extremely shady business practices being employed by XXXX XXXX XXXX should be defending me as a consumer XXXX making good on the consumer protections that they advertise as a benefit of their credit card.

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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized ATM withdrawals from my Venmo account that were improperly denied after both a dispute and an appeal. On XX/XX/year>, I received {$500.00} into my XXXX account from my spouse for rent. On XX/XX/year>, my account was charged through multiple ATM withdrawals in varying amounts, including XXXX withdrawals of {$80.00} and {$180.00}, which contributed to draining my account balance. These withdrawals occurred at a XXXX location in XXXX, XXXX. I reside in XXXX, XXXX, and I was not present in XXXX at any time on XX/XX/year>. My normal transaction history shows activity in the XXXX area, making these transactions geographically inconsistent with my typical usage. These transactions required a physical XXXX debit card and PIN. I did not authorize any of these withdrawals. This indicates that my debit card was compromised, skimmed, or cloned without my knowledge. XXXX denied both my initial dispute and my appeal. Their reasoning included : * That funds were recently added to my account, implying I had knowledge of the balance * That transactions did not exceed the available balance * That no unusual account access was detected These justifications are not relevant to an ATM fraud case. ATM withdrawals do not require access to the XXXX app, so the absence of unusual login activity does not indicate authorization. Additionally, knowledge of an account balance does not equate to authorization of withdrawals. XXXX failed to properly consider key indicators of fraud, including : * The geographic discrepancy between XXXX ( my location ) and XXXX ( where withdrawals occurred ) * The pattern of repeated ATM withdrawals that drained my account balance * The nature of ATM transactions requiring a physical card and PIN I reported the unauthorized activity promptly upon discovering it. Despite this, XXXX denied my claim, refused reimbursement, and sent me an email warning that my account could be closed for alleged 'restricted activities, ' which is unrelated to the unauthorized withdrawals and appears to be a threatening response rather than a resolution.

Company response to consumer: Closed with monetary relief
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: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/year>, my Wells Fargo checking account was drained through a series of rapid, unauthorized XXXX XXXX transactions totaling approximately {$14000.00}. These transactions occurred within minutes and were not initiated, approved, or authorized by me in any way. My XXXX XXXX account had been compromised, and I was informed that the access originated from a foreign location ( XXXX ), which is consistent with fraud. The speed, pattern, and location of these transactions clearly demonstrate unauthorized account access and theft. I reported this fraud to Wells Fargo immediately on XX/XX/year>, and filed a claim. I also contacted XXXX XXXX, who confirmed suspicious activity and advised me to work with my bank. Despite this, Wells Fargo has repeatedly denied my claim without providing any evidence, documentation, or a reasonable explanation. Importantly, I had another debit card ( XXXX XXXX ) linked to the same compromised Cash App account. That account also experienced fraudulent transactions totaling over {$4600.00}. XXXX investigated the matter, determined the transactions were unauthorized, and fully reimbursed me. This clearly demonstrates that the activity was fraudulent and not authorized by me. Wells Fargos justification that I have previously used XXXX XXXX is irrelevant and does not excuse their failure to investigate unauthorized transactions. Prior usage does not equal authorization for fraudulent withdrawals. Wells Fargo has failed to conduct a proper investigation as required under Regulation E. They have refused to provide documentation supporting their denial and have ignored multiple requests to reopen and review the claim. This is a clear failure to comply with federal consumer protection laws governing unauthorized electronic fund transfers. These transactions meet every definition of unauthorized activity, and I am legally entitled to reimbursement. Wells Fargos refusal to credit my account and their lack of transparency has caused significant financial harm and distress. I am demanding the following : Immediate reimbursement of the full {$14000.00} Full disclosure of all investigation findings and evidence used to deny my claim Confirmation that Wells Fargo is complying with Regulation E and federal law If this matter is not resolved promptly, I am prepared to pursue all available remedies, including escalation through regulatory agencies and legal action. This is a time-sensitive matter and requires immediate attention.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Validation of Debt Request - JEFF.ERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Deceptive Steering, Technical Tying, and Failure to Resolve Errors ( XXXX, XXXX ) 1. Description of the Core Issue : I have attempted to use the " Instant Add '' feature via an external debit card on the XXXX platform. Despite marketing this as a standard feature for all eligible cards, every attempt results in a generic " Something went wrong '' error. XXXX support has repeatedly attributed this to an opaque " security feature '' but has failed to provide a path to verification or resolution, effectively rendering the advertised service unavailable for my account. 2. Coerced Product Switching ( Illegal Tying/Steering ) : During multiple interactions with XXXX support, agents explicitly stated that to avoid these " security '' errors and ensure " Instant Add '' functionality, I should apply for and use the XXXX-branded debit card. This represents a potential violation of the Consumer Financial Protection Act 's prohibition on " Abusive '' steering and the Bank Holding Company Act 's anti-tying provisions, as the company is intentionally degrading the experience of a core service to force the adoption of a proprietary financial product. 3. Failure of Internal Controls & Dispute Resolution : I formally requested to file a complaint and for an IT ticket to be opened to perform a root-cause analysis on my account 's persistent technical failure. XXXX support responded with XXXX alarming claims : They appear to not have a mechanism to formally capture or track consumer complaints when contacting customer service. They claimed they do not have an IT or technical department capable of reviewing individual account glitches.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am disputing the GM Financial account on my credit report because it has been reported as verified without proper documentation. I requested a Method of Verification ( MOV ) under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ( XXXX ) ), asking for : The method used to verify the account The name and contact information of the party who verified it The date and time the verification was conducted Copies of any documentation used to verify the account, including the original contract and full payment history Clarification regarding the transfer or sale of the account, including ownership and reporting accuracy To date, I have not received adequate proof that this account is accurate. Without proper verification, this account should not be reported on my credit file. I am requesting that GM Financial provide full documentation supporting the accuracy of this account, or that the account be removed from my credit report.

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 was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LLis falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LLis a debt collector. They are falsely reporting on my credit!! Account number is XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I use XX/XX/XXXX to transfer money from my personal bank to pay bills, add my pay for the day from XXXX, send money back and forth to family and friends and XX/XX/XXXX deactivated my account saying I violated the terms of service and wouldn't tell me how I violated them and stated in an email that if I contacted them again they wouldn't respond. They are also holding my hard earned money for up to XX/XX/XXXX days which none of this should happened as I've been doing this since XX/XX/year>2023. I have also sent over my driver 's license to verify my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXXXXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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