vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Webster Bank - Case # XXXX XX/XX/year> - {$3000.00} - XXXX XXXX XXXX PAYMENT XX/XX/year> - {$12000.00} - XXXX XXXX XXXX PAYMENT XX/XX/year> - {$5000.00} - XXXX XXXX XXXX PAYMENT These XXXX XXXX to XXXX were not approved or initiated on our end. XXXX has no record of the payments either nor does a payment show as initiated or applied in my XXXX online profile. Disputed and requested refund from Webster Bank in person around XX/XX/year>. On XX/XX/year> received a letter from Webster Bank stating that " Unfortunately, the timeframe for allowable returns has expired, and our request to return it on your behalf was denied. '' They also state to contact merchant directly but again the merchant has no record of these payments. During my initial dispute, I was on the phone communicating with XXXX in Webster Bank in front of a bank representative, in which bank representative knew at that time XXXX had no knowledge or record of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Kansas XXXX public schools retirement pay direct deposit to current bank account for XXXX they are trying to say that the account was over drafted when it was not over drafted. I want my deposit back asap they kept my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CT

Complaint narrative:
I am writing to formally document my ongoing concerns regarding this Robinhood companys continued access to my account despite my repeated requests to close the account and delete my personal information.I have previously contacted this company and submitted a written request via email instructing them to immediately close my account, stop processing any transactions, and remove my personal information from their system. However, despite my clear instructions, unauthorized withdrawals from my personal bank account have continued. In addition, this company has continued to provide excuses and delays instead of following my direct request to terminate the account relationship. I did not authorize any further withdrawals, debits, or access to my banking information after my closure request was submitted.This letter serves as a final formal demand that your company : 1. Immediately close my account. 2. Cease all access to my banking information. 3. Stop all unauthorized withdrawals and transactions. 4. Delete my personal information from your records and systems. 5. Provide written confirmation that these actions have been completed. Advise them that Failure to comply may result in complaints being filed with the appropriate consumer protection agencies, banking institutions, and regulatory authorities for unauthorized transactions and failure to honor my account closure request. I expect immediate attention and resolution to this matter. I document all communication with them and Im hoping you can assist me in finding a Resolution thank you Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year> I purchased a TV and a Living room set. The total amount of the purchased items was {$3400.00} after 3 weeks the sofa was broken and we contacted XXXX several times to have it replaced and when we looked at the contract they added a {$390.00} service agreement which we had turned down because the TV had the manufactures warranty and the cost was high. We disputed the warranty service agreement and suspected that the company was doing fraud because they never issued the credit and they never bothered to go and pick up the damaged/broken sofa. I have previously disputed the balance with XXXX and thought everything was resolved. On XXXX I disputed the account with Jefferson Capital and requested a full discovery of the account and never received anything from Jefferson Capital. I contacted Jefferson Capital and spoke to a supervisor and she told me that I needed to contact XXXX XXXX and XXXX XXXX told me that XXXX XXXX XXXXXXXX was handling the case which I contacted them and explained to them that fraud was committed at the store and was never issued my credit of {$390.00} and never got the sofa 's replaced. I feel XXXX has acted in deceptive way since they were aware that I had disputed the account with them prior to them filing bankruptcy. After I disputed the account with Jefferson Capital since they were the once reporting it to the credit reporting agencies but they refused to take any more calls. On Friday the XXXX received a call from the person that serves you with the documents and he told me that he was going to bring me some more documents. The documents that I requested from XXXX XXXX XXXX was a ledger of the payments made since I wanted to provide proof that I did not owed them any money but since he never showed up, I had to proceeded with the complaint. The collector at XXXX XXXX XXXXXXXX after requested more proof he attempted to collect on the debt after the account was under dispute and he told me he was sorry and that he would request the payment ledger.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I was selling event tickets online and was contacted by an individual who impersonated XXXX support. The individual falsely claimed there was an overcharge on a transaction and that I needed to send funds through XXXX XXXX, funded by my Capital One debit card, in order to resolve the issue and receive my funds. Relying on this misrepresentation and false authority, I sent an XXXX XXXX payment in the amount of approximately {$2400.00}. I would not have authorized this transaction but for the impersonation and deception. I recognized the situation as a scam shortly afterward and reported it to Capital One the same day as fraud. I also reported the incident to XXXX and filed a report with the FTC. Capital One later denied my fraud claim on XX/XX/year>, stating only that the claim was denied due to authorization and/or participation in the transaction activity. Capital One did not request or review any evidence from me, such as communications showing the impersonation, before issuing this denial. The denial appears to rely solely on the fact that I initiated the transaction, without considering that authorization was obtained through socialengineering fraud and impersonation, and without conducting a reasonable investigation into the circumstances of the scam. I am requesting that Capital One conduct a full and reasonable review of this fraud claim, including consideration of impersonation and deceptive inducement, and provide appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Fraud has been happening on my account and my social has been leaked by one person my ex and she keeps going and putting my personal information on social media

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unacceptable and hazardous delay in Planet Home Lending releasing the insurance claim funds required to repair my home. Following the damage to my property in late XX/XX/year>, my insurance company issued a check to cover the necessary repairs. Because Planet Home Lending is listed as the mortgagee, the check required your endorsement and placement into an escrow/loss draft account. I have fully complied with your departments documentation requirements, including submitting the adjuster 's report, and the contractor 's estimate. Despite my compliance, Planet Home Lending has failed to release the funds in a reasonable or decent amount of time. This extreme delay is causing severe distress and disruption to my household for the following reasons : Living Conditions : The unresolved damage compromised our living conditions, forcing my family to live in a disrupted, partially damaged environment for far longer than necessary. Contractor Issues : The contractor can not proceed with or complete the work without the scheduled draws. I am at risk of losing my contractor or facing increased labor and material costs due to these delays. Risk of Further Damage : Delaying these essential repairs leaves the property vulnerable to secondary damage ( such as mold, weather exposure, or structural degradation ), which will ultimately decrease the value of the asset your company holds a mortgage on. As my mortgage servicer, you have a fiduciary duty to manage these funds efficiently to ensure the property is restored. Holding these funds XXXX while my family lives in a damaged home is entirely unacceptable. I demand that Planet Home Lending immediately expedite the review of my account and release the outstanding check/funds within forty-eight ( 48 ) hours of receiving this letter. If this matter is not resolved immediately, I will take further action, including filing formal complaints with the Financial Industry Regulatory Authority ( FINRA ), and my State Attorney Generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
I discovered approximately {$2800.00} in disputed XXXX transactions on my SoFi account and reported the activity promptly after becoming aware of it. I disputed the transactions as unauthorized and requested a fraud investigation and further explanation regarding how the transactions were determined to be authorized. Over the past two weeks, I have contacted SoFi approximately 6-7 times by phone and also attempted to communicate through email/messages regarding the claim. During those communications, I repeatedly requested : a detailed explanation of the basis for the denial, clarification regarding what evidence SoFi relied upon, clarification regarding what additional information SoFi expected me to provide, and information regarding escalation or appeal options. The only substantive response I received from SoFi was that the claim was denied because my login history and geolocation appeared consistent with prior account usage. However, SoFi did not explain how that information alone established that the disputed transactions were knowingly authorized by me. I also explained to SoFi that I do not have access to the internal authentication logs, device records, investigative materials, or technical information relied upon during their review process, and therefore I do not understand what additional new information they expect me to provide without first explaining the factual basis for the denial. Despite my repeated attempts to obtain clarification and further review, I was not provided with a meaningful explanation of the determination or allowed meaningful escalation of the matter. I am seeking assistance because I believe the claim was denied without sufficient explanation or transparency regarding the investigation and authorization analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: OH

Complaint narrative:
Penn credit corporation keeps contacting my dad after I already contacted them and made a payment they call him at least 6 times a week and Ive asked them not at least 5 time already and hes told them to stop contacting him also

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: Block, Inc.
State: AL

Complaint narrative:
Need assess to create an account on my spouse email XXXX. for cash pay out XXXX. I need to add my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I own XXXX XXXX XXXX from last 5 years. I always paying 15 days early.as soon as I reset he statement. On a a XX/XX/XXXX I received the billing statement For {$400.00}. The payment due was on XX/XX/year>. As I mentioned I always make payment 15 days early. on a XX/XX/year> I made a payment for {$400.00}. XXXX using them Automated bill process service. I received the confirmation # ( XXXX ) when I received conformation # I assumed my payment went thru and payment has been processed. When I received the new statement for XXXX I saw additional charges {$400.00} from the previous months and Additional to that {$30.00} XXXX fees for the fail to process payment fees and {$7.00} XXXX interest Total {$37.00} additional fees I requested to credit card company to remove the extra charges but has been failed I tried to explain the situation, I made a payment 14 days early but some reason automated bill process service did not process the payment and provide me a confirmation #. I would like to remove my {$37.00} fees. It wants to my fault. And this is happened first time in a 5 years .but credit card company refused to remove {$37.00} fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 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: GA

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 2026-05-18 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of my credit card fraud dispute involving a {$500.00} transaction dated XX/XX/year>. I first received a text alert notifying me that my card had been used. I immediately contacted Wells Fargo and was informed that I could not dispute the transaction until it officially posted to the account. A few days later, after the transaction appeared, I contacted Wells Fargo again to file a fraud claim. During that call, I specifically confirmed that the unauthorized transaction I was disputing was the XX/XX/XXXX charge, not the XX/XX/XXXX charge. I was asked whether the XX/XX/XXXX charge was valid, and I clearly stated that XX/XX/XXXX was authorized by me, but XX/XX/XXXX was not. Wells Fargo later denied my fraud claim over the phone, stating that similar prior charges existed on the account. I explained again that prior authorized transactions on XX/XX/XXXX do not mean the XX/XX/XXXX transaction was authorized. During the reinvestigation process, I was again asked whether the XX/XX/XXXX transaction was valid. I again stated yes, because that transaction was mine. However, Wells Fargo has now sent me a letter stating that the investigation concluded because I admitted the charge. This appears to incorrectly interpret my confirmation of the XX/XX/XXXX authorized charge as an admission that the disputed XX/XX/XXXX charge was authorized. My complaint is that Wells Fargo appears to have confused two separate transactions and inaccurately documented my statements during the investigation. I have consistently maintained that : The XX/XX/XXXX transaction was authorized. The XX/XX/XXXX {$500.00} transaction was unauthorized. I am requesting : A complete reinvestigation of the XX/XX/XXXX transaction. Review of all recorded calls related to the dispute. Copies of the evidence used to deny the claim. Correction of inaccurate investigation notes or conclusions. A written explanation identifying exactly which transaction Wells Fargo claims I admitted authorizing. I believe the denial was based on a misunderstanding or inaccurate documentation of my statements rather than the actual disputed 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 2026-05-18 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I have an open claim with Citibank for a Home Depot Consumer Credit Card. I noticed a charge on my credit card statement for {$1500.00} dated XX/XX/XXXX. I immediately called Citibank customer service and they promptly opened a claim to investigate. The latest communication I have from them is a letter dated XX/XX/XXXX assuring me that the matter was still under investigation. I have not received any communication since. On XX/XX/XXXX I noticed a charge in my primary bank account for {$54.00} from " Home Depot. '' This charge was a " check '' that I did not authorize or sign. When I checked my account with Citibank ( which they have not allowed me to close or restrict during the investigation ) it was noted as a " Autopay Payment. '' I do not have an autopay plan set up, and I did not authorize an automatic payment. When I called to request additional information about what was going on, I was told that the claim was rejected and then the call was cut off. I have never been contacted about any investigation or provided with any information or documentation after making multiple phone calls and sending a physical letter to Citibank Resolve in XX/XX/XXXX requesting additional information.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief