vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint against Barclays Card Services regarding their handling of a billing dispute ( Case ID # XXXX ) on my credit card ending in XXXX. I initially opened a dispute for a charge of {$210.00} from XXXX, as I was entitled to a full refund under Amazons stated policy. XXXX confirmed that a refund was due but failed to process it within their required timeframe ( 30 days ). Barclays conducted an investigation but ultimately closed the case in the merchants favor, holding me liable for the charge. On XX/XX/year>, I submitted written documentation directly from XXXX confirming that a refund was owed. This was critical evidence that directly supports my claim. However : Barclays failed to properly consider or include this evidence in their investigation I received a letter dated XX/XX/year>, stating the case was resolved in the merchants favor I was not given a fair opportunity to respond before the case was finalized When I called Barclays on XX/XX/year>, I was told the case is closed and would not be reopened Additionally, this issue is not isolated. There is a broader pattern of XXXX failing to issue timely refunds to consumers, which has led to legal action, including a reported large-scale class action lawsuit seeking significant restitution for affected customers. This further underscores the importance of properly reviewing merchant-side failures rather than defaulting liability to the consumer. This is unacceptable. Barclays : Did not conduct a fair or complete investigation Ignored key documentation submitted within a reasonable timeframe Failed to follow proper dispute resolution procedures I am requesting that Barclays : Reopen the investigation immediately Review the evidence submitted on XX/XX/year> Issue a permanent credit of {$210.00} to my account This situation reflects a failure to properly handle a consumer dispute and a lack of due process.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate, inconsistent, and unverifiable reporting by Nationwide Recovery Services regarding an alleged debt originally from XXXX XXXX XXXX XXXX This account is currently being reported across multiple credit bureaus with significant inconsistencies, which raises serious concerns about the accuracy and reliability of the information being furnished. The following discrepancies have been identified : * Date Opened is reported as XX/XX/XXXX on XXXX XXXX XXXXXX/XX/XXXX on XXXX and XXXX XXXX Date Last Activity is reported inconsistently ( XXXX vs XXXX ) * The reported balance is {$550.00}, which exceeds the reported High Credit of {$500.00} * Comments and account details are inconsistent across credit bureaus These discrepancies indicate that the account is not being reported with accuracy or consistency. I have not been provided with : * A signed agreement or contract bearing my signature * A complete payment history * Documentation showing the full accounting of the alleged debt * Proof of legal ownership or chain of assignment Despite these issues, the account continues to be reported as a derogatory collection account. Under the Fair Credit Reporting Act ( FCRA 1681s-2 ), furnishers are required to report information that is accurate and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA 1692g ), I have the right to request proper validation of this debt. At this time, the account is clearly inconsistent and unverifiable.

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 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Ive been banking with Capital One for years. I have an existing car loan that will be paid off in XXXX. Capital One has put restrictions on my account and denied me for a car loan. This is due to my daughter teen account having fraudulent charges in the amount of {$3500.00} which put the account in the negative which I paid in full. Ive called several times to be transferred to different representatives who dont know anything or have any answers. All Im trying to find out if its a time period that they wont approve any loans and have my account restricted because if so I can bank somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint regarding Chimes handling of unauthorized charges made to my debit card. Chime itself first contacted me on Monday, XX/XX/year>, via text message to alert me that certain transactions from a merchant named XXXX XXXX appeared suspicious and asked whether I had authorized them. Three texts were sent to me from Chime back-to-back about three attempted transaction charges. ( I am uploading screenshots of the text messages received. ) Upon seeing the messages, I responded that I did not make or authorize those charges. Chime stopped one of the suspicious transactions, which confirms that the activity was already being recognized as potentially fraudulent. However, Chime still allowed two other suspicious transactions to go through and later denied my disputes for those charges. I am now being held responsible for approximately {$200.00} in unauthorized transactions, even though I promptly reported that the charges were fraudulent when Chime asked me about them. This loss occurred through no fault of my own. My concern is that : Chime identified the transactions as suspicious. I promptly confirmed that I did not authorize them. Chime blocked one transaction, but allowed two others to post anyway. Chime then denied my disputes and left me responsible for the loss. I do not believe this was handled fairly or reasonably. If the activity was suspicious enough for Chime to contact me and stop one transaction, it makes no sense that the remaining fraudulent charges were allowed to process and that I am now being denied reimbursement. I am requesting : A full reinvestigation of the disputed charges Reimbursement for the unauthorized transactions from the merchant XXXX XXXX A copy of any documents, records, or evidence relied upon to deny my disputes A written explanation of why one suspicious transaction was blocked, but the others were allowed to go through after I reported that the activity was unauthorized Supporting details : Date Chime contacted me about suspicious activity : Monday, XX/XX/year> Date I responded that I did not authorize the charges : Monday, XX/XX/year> Merchant names and amounts : XXXX XXXXXXXX XXXX {$99.00} XXXX XXXXXXXX XXXX {$99.00} Date ( s ) dispute was filed : First Filing : Tuesday, XX/XX/year> Second Filing to dispute the denial of the first dispute : Sunday, XX/XX/year> Date ( XXXX ) dispute was denied : First Filing Denial : Sunday, XX/XX/year> Second Denial : Monday, XX/XX/year> I am requesting that this matter be corrected immediately and that I not be held liable for fraudulent transactions that I did not authorize and reported promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
I am writing to dispute a debt listed by XXXX Corners ( Account XXXX XXXX ) for approximately {$1800.00}. I am a victim of identity theft, and this account was opened fraudulently without my knowledge or consent.I have confirmed with XXXX corners that the Social Security XXXX associated with this fraudulent account does not match my own. This discrepancy proves that the account does not belong to me and was established using incorrect personal identifiers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo refuses to give me my records they are practicing unfair business as well not following the laws set in place for victims of identity theft such as myself. I have written them several times and they have not responded. I spoke to several customer services reps nd taped the conversations. One rep told me that yes they have digital data for me and when I asked for the address she told me there was no addresses that I could mail my request to, next I spoke to another rep about retrieving my on line banking and mobile app records and he straight out said that because I am no longer a Wells Fargo customer that Im not entitled to them. That is illegal. Yesterday I went into a branch and didnt say anything about being a victim of fraud i told her I needed the records for the direct deposit accounts opened and my banking. I also requested the records for an everyday checking account opened in my name and a Wells Fargo XXXX credit card. The banker did admit she saw a brokerage account on her computer screen but the moment she punched in my account information she suddenly needed to go talk to her boss. When she came back she claimed she could see i had a brokerage account but claimed thats all she could see from her end. The truth is i poped up as a customer who Wells Fargo closed my checking account due to identity theft. Wells Fargo is practicing bad business and is not following the laws put in place for identity theft victims such as myself. Wells Fargo is doing exactly what a whistleblower claimed in 2018 and is closing customers accounts with no warning claiming it was a business descion and they are not investigating the fraud claims. Instead they suddenly shut victims of fraud and identity theft down without doing a proper investigation and to avoid having to reimburse customers for stolen money. Leaving the customer thousands of dollars in debt. In my case thousands and thousands of dollars. I know who stole my identity I told the Wells Fargo rep helping me with my claims The Who what where and when and I even agreed to participate ina full police investigation. I have been the victim of identity theft for 14 years now. I can prove who did it. I want her in jail serving the maximum sentence for the harm that was done to me. I was a prefered customer and Wells Fargo owes me a lot of money. The least they could have done was to investigate my claims. I am seeking justice. Wells Fargo has totally dismissed me I want my records.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: OR

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-03-17 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: NJ

Complaint narrative:
This is a follow-up regarding my complaint against Wells Fargo XXXX In response to my formal request for documentation supporting the denial of my fraud claim, Wells Fargo provided only copies of my own account statements and transaction history. These materials do not constitute evidence of authorization or a reasonable investigation under Regulation E. Wells Fargo did not provide any of the requested supporting documentation, including merchant transaction records, authentication data, IP address logs, device identification, or any evidence demonstrating that I authorized the disputed transactions or benefited from them. The absence of such documentation raises serious concerns regarding the adequacy of the investigation conducted. The disputed transactions involved unauthorized debit card purchases through XXXX, followed by an immediate transfer of XXXX to an external wallet address that I do not own or control. I have consistently maintained that I did not authorize these transactions and received no benefit. Providing only account statements does not satisfy XXXX XXXX obligation under Regulation E to conduct a reasonable investigation and substantiate its findings. I respectfully request that this matter be reviewed again, and that Wells Fargo either provide actual evidence demonstrating authorization or reimburse the {$5000.00} in unauthorized transactions.

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
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 : 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LoanCare, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding the improper denial of my Trial Payment Plan despite full compliance and repeated confirmations of approval by my mortgage servicer. I entered into a Trial Payment Plan requiring three payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I made all required payments in good faith. My final payment was submitted on XX/XX/XXXX. On XX/XX/XXXX, I was contacted by a representative and informed that I had successfully completed the Trial Payment Plan and was approved for a permanent loan modification, pending submission of HOA documentation. I immediately submitted the requested documentation. On XX/XX/XXXX, I followed up and was again told I was approved and that documents could take up to 45 days. On XX/XX/XXXX, I was again told I was approved and asked to submit HOA verification, which I provided immediately. However, shortly thereafter, I was informed that I was denied due to allegedly failing the plan because one payment was made one day early. This explanation directly contradicts the written Trial Payment Plan agreement dated XX/XX/XXXX, which states that failure occurs if payments are not made by the end of the month in which they are duenot for being early. The servicer accepted my payment, allowed the plan to continue through XXXX, and repeatedly confirmed my approval. Additionally, I was never informed at any time that my plan was at risk or that I had failed to meet any requirement. Instead, I was consistently told I had successfully completed the plan. Due to my husbands work-related injury and multiple surgeries, our household experienced financial hardship. Since his return to work, we have made every effort to become current and comply fully with all requirements. This sudden and contradictory denial has placed my family at immediate risk of foreclosure despite my full compliance. I am requesting : - A full review of my account and payment history - Reversal of the denial decision - Reinstatement of my loan modification - Immediate suspension of foreclosure activity I have supporting documentation including payment records, correspondence, and account screenshots.

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 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Camino Financial Inc.
State: TX

Complaint narrative:
Camino Financial , Inc. has engaged in unfair and deceptive debt collection practices by reporting a disputed debt to my credit report without following the mandatory dispute resolution process required by our loan agreement. FACTS : I obtained two loans from Camino Financial : Loan # XXXX ( originated XX/XX/year> ) and Loan # XXXX ( originated XX/XX/year> ). Both loan agreements contain identical mandatory arbitration clauses requiring that any dispute arising from the loan be resolved exclusively through binding arbitration administered by the XXXX XXXX XXXX ( XXXX ). The arbitration clause explicitly states : " Any party to the arbitration may demand arbitration at any time after a dispute has arisen. '' It further provides : " The Lender may pursue collection of the debt through judicial means, provided that the Lender first provides written notice to the Borrower of its intent to pursue judicial collection, and further provided that Borrower may demand arbitration after such notice. '' VIOLATION : Camino Financial has violated this contractual requirement and engaged in unfair debt collection practices by : 1. Reporting the account as a " charge-off '' to all three major credit bureaus ( XXXX XXXX XXXX ) without first providing written notice of intent to pursue collection or allowing me to demand arbitration. 2. Continuing to report the account monthly as a derogatory charge-off, which constitutes ongoing collection activity without following the contractual notice requirement. 3. Simultaneously engaging in settlement negotiations with my attorney while maintaining the derogatory credit reportingthus treating the debt as collected ( charge-off ) while claiming it is still in dispute ( settlement discussions ). 4. Failing to invoke the mandatory arbitration process they themselves contractually agreed to use for dispute resolution. IMPACT ON ME : The unauthorized credit reporting has severely damaged my credit profile. My XXXX scores across all three bureaus have dropped into the " Fair '' range ( XXXX ), directly attributable to this charge-off and the ongoing derogatory reporting. This is impacting my ability to : - Obtain new credit or refinancing - Secure favorable interest rates- Conduct business as the Managing Member of my company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
I am filing this complaint regarding Spring Oaks Capital reporting and verifying a debt that a court has already ruled I do not owe. Spring Oaks Capital filed a lawsuit against me attempting to collect on this alleged debt. The case was heard in court, and the judge entered a judgment for the defendant, meaning the court determined that the debt is not owed. Despite the courts ruling, Spring Oaks Capital continues to report this account on my credit report and continues verifying the debt as accurate when I dispute it with the credit bureaus. I have already provided documentation of the court judgment showing that the debt is not owed. By continuing to report and verify this account after a court ruled the debt is not owed, Spring Oaks Capital is furnishing inaccurate information to the credit bureaus and causing ongoing harm to my credit report. I am requesting that Spring Oaks Capital immediately cease all collection activity and permanently delete this tradeline from all credit reporting agencies, including XXXX, XXXX, and XXXX. I have attached the court documentation showing the judgment for the defendant stating the debt is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 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: UPGRADE, INC.
State: SC

Complaint narrative:
I am filing a complaint against Upgrade , Inc. for refusing to open a billing dispute for a charge where services were not rendered. I used Upgrade to pay {$140.00} for a travel protection plan through XXXX XXXX XXXX. After purchase, I attempted to use the protection, but my claim was denied. I was informed that I was not eligible for coverage due to when the protection was added to my booking. This means the product I paid for provided no usable benefit at the time of purchase. I contacted Upgrade to dispute the charge, as this is a clear case of services not rendered. However, Upgrade refused to open a dispute and instead directed me back to the merchant. I also contacted the merchant ( XXXX ), and they refused to issue a refund, leaving me without resolution. I am requesting that Upgrade open a formal dispute and investigate this charge, as I paid for a service that I was not eligible to use and did not receive.

Company response to consumer: Closed with monetary relief