vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Subject : Wells Fargo approved fraud on my account while denying my {$120000.00} claim contradictory handling and bad faith Description : In XX/XX/XXXX, {$120000.00} was fraudulently wired from my Wells Fargo account ( # XXXX ). Wells Fargo 's own system flagged " unusual activity '' on a linked account the day before the theft, yet they failed to act. 

After I filed fraud claims and XXXX complaints XXXX Wells Fargo retaliated by : Filing a false report with Virginia XXXX XXXX XXXX XXXX XX/XX/XXXX ) Issuing a defamatory letter ( XX/XX/XXXX ) containing a fabricated statement attributed to me The Key Evidence XX/XX/XXXX, Letter : On XX/XX/XXXX, Wells Fargo issued a " final '' response letter. In that letter, they admitted that on XX/XX/XXXX, they approved and credited a separate fraud claim for {$1900.00} on the exact same account ( # XXXX ) involved in my dispute. 

This proves : Wells Fargo 's systems can identify fraud on account # XXXX They approved fraud claims on this account while denying mine Their denial of my {$120000.00} claim was arbitrary, inconsistent, and in bad faith This contradictory handling occurred after I filed regulatory complaints, suggesting retaliatory motive What I Am Seeking : Full investigation of Wells Fargo 's inconsistent fraud claims practices Restitution of my {$120000.00} loss Damages for the harm caused by their retaliatory conduct Attachments : XX/XX/XXXX, Wells Fargo letter ( showing the {$1900.00} fraud credit ) XX/XX/XXXX, XXXX letter XXXX XXXX  fraud admission letter ( XX/XX/XXXX ) Damages summary ( {$220000.00} total loss )

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX DOB : XX/XX/year> XXXX XXXX I dispute the collection account reported by Caine & Weiner. The company has not provided debt validation as required by FDCPA 15 USC 1692g and 12 CFR 1006.34, yet continues to furnish the account to XXXX  and XXXX. 

The account contains inaccuracies, including inconsistent dates of last activity and reporting, and a balance reported without verification. Reporting unvalidated and inaccurate information violates FCRA 15 USC 1681e ( b ) and 1681s-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am submitting this complaint regarding repeated and aggressive collection attempts by LVNV, Resurgent, and XXXX. All three companies were attempting to collect the same debt from the original creditor, XXXX XXXX XXXX  XXXX, with LVNV hiring Resurgent and XXXX to pursue collection on their behalf. 



Between, XXXX I received numerous text messages and emails implying that my account would be returned to the creditor and that legal action could be taken if payment was/ not made. Many of these messages also included marketing-style wording, were sent from multiple phone numbers and email addresses, and were frequent, threatening, - and caused undue stress. 

I sent a formal demand letter to these companies requesting resolution, but they missed the response deadline. 



I have attached screenshots of the text threads and selected emails documenting these collection attempts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
Made a cashiers check online deposit on XX/XX/year>. Account had been set up close to two month before and had already {$500.00} in account prior to the cashiers check deposit from XXXX  XXXX XXXX for {$3300.00} whereas Charles Schwab personnel flagged the deposit as fraudulent. I tried to resolve the matter multiple times with customer service but every single time I was given the go around carousel. Later in late XXXX, XX/XX/year>, the account was closed but as of XX/XX/XXXX the fund have yet to be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
I am submitting another complaint due to XXXX XXXX fraudulent practices. This is completely illegal! If u research the XXXX  you will also see they have done this to numerous consumers. Restating the facts here. XXXX  and XXXX opened a line of credit in my name without my authorization. XXXX already had an existing contract with me for alarm services totaling {$1900.00}. Without my consent, XXXX initiated financing through XXXX  for an additional {$1500.00}. XXXX  began withdrawing payments starting in XX/XX/XXXX and charging me 25.99 % interest. I never agreed to this account, never signed for it, and did not authorize a credit check or financing. At the same time, XXXX continued to bill me directly for the same service, creating duplicate charges. I never received any XXXX notice they said was mailed. On XX/XX/XXXX I called XXXX  customer service to request a copy of this signed contract I am requesting : Closure of the unauthorized XXXX  account Removal from my credit report Refund of all payments and interest Correction of XXXX billing Verification of documents XXXX  claims show I authorized financing This account was opened without my permission, and I want full correction and reimbursement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  XXXX 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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: NC

Complaint narrative:
I am reporting a violation of the Consumer Financial Protection Act ( UDAAP ) and the Fair Credit Reporting Act ( FCRA ) by CarMax Business Services, LLC regarding my auto loan in CarMax Auto Owner Trust XXXX ( CIK XXXX ). The Deception : On XX/XX/year>, the company filed a Form XXXX with the SEC admitting that the asset pool containing my account had 'XXXX  Cumulative Net Losses, ' effectively reporting the debt as extinguished to federal regulators. The Harm : Despite this federal admission, CarMax and its agents XXXX XXXX XXXX XXXX XXXX XXXX ) continued to pursue me for {$19000.00} in XXXX XXXX XXXX XXXX ( Case # XXXX ). They maintained a false balance on my account and aggressively pursued a judgment for funds that their own SEC filings say are not a loss. I am requesting a formal investigation into their deceptive collection practices, a correction of my credit report to reflect a {$0.00} balance since XX/XX/year>, and a refund of the {$6400.00} in payments they converted after the debt was extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: IL

Complaint narrative:
I have been having a hard time finding a job which is why my payment hasnt been paid. I finally have a job and Im ready to pay but they wanted the payment now or my account would be closed. So I signed up for what I thought was a payment plan I have before which splits my minimum payment into 4. I did not select that which I didnt know until I called and they said I enrolled in something else.which was in about 30 minutes I called to try and cancel but they said I can not .Accidents happen so there has to be a way they can cancel this I havent made any payments or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2026-02-17 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: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NY

Complaint narrative:
TRUEACCORD is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD 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 2026-02-17 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
On XX/XX/year>, I was misled and pressured into a fraudulent transaction of {$3000.00} using my XXXX Capital One credit card. 

I was targeted by a psychic service that used deceptive " bait '' tactics to lure me in. They made false promises and used manipulative psychological pressure to coerce me into making this high-value payment. I believe this was a predatory and fraudulent scheme designed to exploit me. 

Despite my attempts to resolve this, the service has not provided the promised results or a refund. I am disputing this charge as it was obtained through deceptive business practices. 

This transaction was obtained through deception and high-pressure sales tactics. Before meeting the psychic, I specifically asked if any further payment would be required, since I had already paid over {$10000.00}. The psychic explicitly replied, " No. lol, '' confirming no further charges would apply. 

However, upon arrival, I was subjected to intense psychological pressure and coerced into purchasing a high-priced item. Under this duress, I handed over my XXXX Capital One card XXXX resulting in a {$3000.00} charge. 

On XX/XX/year>, I sent a text message to cancel the transaction, as I realized I had been misled by their prior false promise that no payment was necessary. I am disputing this charge as it was based on a fraudulent " bait and switch '' tactic and unauthorized under the conditions promised. 

Furthermore, Capital One has refused to assist me, insisting that a refund is impossible without a cancellation document from the merchant. It is unrealistic to expect a fraudulent merchant to provide such documentation. I am filing this complaint because the bank is failing to protect me from a clear case of predatory and deceptive billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: MA

Complaint narrative:
b"I am a XXXX  fellow caught in a 'Customer Doom Loop' between my lender (XXXX) and my servicer (American Education Services/AES). My loan meets all criteria for XXXX% cancellation under the Pathrise Placement Guarantee. I have already submitted my XXXX  W-2 and IRS Form XXXX  to prove I do not have qualifying employment.\n\nOn XXXX XXXX XXXX, XXXX  issued a notice that lenders agreed to honor these guarantees. I shared this with both companies, yet they are engaging in a circular loop of non-assistance:\n\nOn XXXX XXXX XXXX, XXXX  at XXXX  emailed me stating: 'We are unable to process your request, please contact American Education Services (AES).'\n\nOn XXXX XXXX XXXX, AES Rep XXXX  (NMLS# XXXX) told me to apply for forbearance on the Edly website.\n\nOn XXXX XXXX XXXX, AES Rep XXXX  (NMLS# XXXX) replied to that application stating they 'cannot assist' and directed me back to XXXX.\n\nThis circular finger-pointing is preventing a forbearance from being processed while a valid contractual dispute is pending. AES is currently threatening to report me as XXXX+ days delinquent for a $XXXX  balance that should be $XXXX. As a Massachusetts resident, I am requesting that the CFPB compel AES and XXXX  to stop this loop, apply a retroactive forbearance to protect my credit, and finalize the discharge of this loan.\nAES account number:XXXX XXXX XXXXnXXXX account loan Number:XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint regarding improper handling of a medical hardship request and inaccurate delinquency reporting by Capital One. 

On XX/XX/year>, prior to any delinquency, I contacted Capital One to request medical hardship assistance due to hospitalization. I informed them of my medical leave and offered to provide documentation. Instead of properly evaluating my hardship request, the account was restricted shortly after my request. 


On XX/XX/year>, prior to any delinquency, I contacted Capital One to request medical hardship assistance due to hospitalization. I informed them of my medical leave and offered to provide documentation. Instead of properly evaluating my hardship request, the account was restricted shortly after my request. 

Between XX/XX/XXXX and XX/XX/XXXX, I made two good-faith payments totaling {$540.00} ( {$140.00} and {$400.00} ). I was explicitly told by a representative that my account was current and would not be marked delinquent. 


Despite this, my account has now been reported as delinquent. 

I have documentation of : Dates and times of hardship requests Supervisor confirmation of my XX/XX/XXXX call Proof of payments made Call recordings I believe : My hardship request was not properly evaluated The account was restricted prematurely I was misinformed about my account status The delinquency reporting is inaccurate and damaging I am requesting : Immediate correction of the delinquency status Review of my hardship eligibility Removal of any negative credit reporting resulting from this situation Written explanation of the denial of hardship assistance I am attempting to resolve this in good faith and expect a timely investigation and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Payactiv, Inc.
State: OH

Complaint narrative:
For over a year, Payactiv has repeatedly failed to update my earned wage information, preventing me from accessing the percentage of my earned income that I am entitled to as a salaried employee. Their system consistently shows incorrect or XXXX available funds because my wage data is never updated unless I threaten to file a complaint. 
I have contacted Payactiv multiple times, and the only time they take action is when I explicitly state that I will escalate the issue to regulatory agencies. This pattern demonstrates a failure to provide reliable earned wage access services and raises concerns about unfair or deceptive practices. 
This ongoing issue has caused financial hardship, stress, and repeated disruption to my ability to access my own earned wages. I am requesting that the CFPB investigate Payactivs failure to maintain accurate wage data, their lack of responsiveness, and their pattern of only resolving issues when threatened with formal complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: FL

Complaint narrative:
I just paid off my loan and would like it removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I mailed a check to XXXX Comenity Bank for {$190.00} which was the statement balance, on XX/XX/year>. I also mailed 1 more check out that day to XXXX XXXX and it was received. I mailed both checks by hand-delivering to a post office clerk in XXXX SC. My bill was due on XX/XX/XXXX. XXXX  has not received it yet. It may have been lost due to the ice storm that we had on Saturday, XX/XX/XXXX. A collector called me yesterday and tried to be very intimidating ( as if I am someone who doesn't pay my bills ). This was out of my control. I asked her to give the check a little more time to get there before I stop payment on it. She did not agree to that. I told her I would go ahead and stop payment and go by the store today and pay the {$190.00}. She said I would owe {$230.00} because they would charge interest - I asked her to please waiver that because this certainly happened thru no fault of mine. She said they could not. Now, I have never been late with a bill in my XXXX years of life, and have done a lot of business with XXXX and XXXX XXXX, and so do my XXXX daughters. I told her to go ahead and cancel the card, so it can't happen again. I would like to see if you would have them waiver that {$41.00} which is just wrong and ridiculous to treat a long-time customer this way, and I mailed the check in time for them to received it. I will wait to stop payment on the check and pay in store until I hear back from you. Thank you for your help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Southwest Credit Systems continues to call me and fails to identify as a debt collection company and fails to verify they are speaking to me before giving out my identifying information over the phone. If I do not confirm my name and info they will not tell me what company they are with and then begin to read my information off before I have even told them my name or confirmed it is me they are speaking to when asked. Repeat issue and continuous calls. They call me from multiple number changing numbers every time I block the number they call on. XXXX They have been told to stop calling and they continue to call.

Company response to consumer: Closed with non-monetary relief