vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: FL

Complaint narrative:
I live in the XXXX but I have a property in XXXX XXXX, XXXX. I visit in XXXX and XXXX. When I was in XXXX in XXXX, my email account was hacked into on XX/XX/XXXX. The hacker obtained all my emails which contained details of my account with the retailer XXXX XXXX XXXX and my address in XXXX. The hacker purchased two items from XXXX XXXX XXXX, a jacket and a {$200.00} gift card, to be sent to my XXXX address. This was just malicious as the hacker lives in the XXXX. Neither of these items were authorised by me and I do not want them. I returned the jacket and was credited but the {$200.00} gift card had not arrived by the time I left for the XXXX. I filed a complaint in XXXX with my bank Wells Fargo and they credited my account with the {$200.00}. However, they subsequently removed it saying that XXXX XXXX XXXX had disputed the claim. XXXX XXXX XXXX said that once a gift card had been issued, it can not be cancelled. This seems very unreasonable as it was a fraudulent purchase, not authorised by me. On my return to XXXX a few weeks ago, I found the gift card in my mailbox. I contacted XXXX XXXX XXXX by phone asking for the gift card to be cancelled and went into my local store. I got the same answer that they can not refund on a gift card, even though I explained it was fraud and not authorised by me. I contacted Wells Fargo again and was told that they closed the claim because XXXX XXXX XXXX had disputed it. I have explored every avenue to get my bank account credited with the {$200.00} but neither XXXX XXXX XXXX or Wells Fargo are willing to resolve this. I am therefore contacting you to see if you can help. This is fraud. The hacker spent {$200.00} on my Wells Fargo account on a gift card. This was not authorised by me and I do not want it. The hacker is currently in police custody in XXXX awaiting trial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bepensa Capital, Inc.
State: NE

Complaint narrative:
I am submitting this complaint regarding an auto loan account that is being reported and/or managed by FINBE. I previously requested validation and verification of this account, including documentation proving that I am responsible for the debt and that the information being reported is accurate and complete. I did not receive proper or sufficient verification in response to my request. Despite my dispute and request for documentation, the account continues to be reported and/or maintained without full proof of accuracy or proper validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Opened a bank account. Was a advertised {$300.00} but never received the checking opening bonus. Supposedly it was due to having opened 2 accounts but the live chat encouraged me to open another account and never warned me. Other banks are less strict. And there are a list of things to do and Regions did not list them.

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 2026-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TN

Complaint narrative:
I am complaining about XXXX especially, XXXX, reporting agencies. They intentionally keep placing debt on my report that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: PA

Complaint narrative:
I am submitting this complaint regarding potentially deceptive and unauthorized loan-related charges by XXXX XXXX XXXX XXXX XXXX XXXX in Pennsylvania ) . The school has applied a loan fee to my student account and has stated that this fee is being charged by my loan servicer. However, my understanding is that federal student loan servicers do not charge fees directly to students through school accounts. Any legitimate loan origination fees are deducted prior to disbursement and are not separately billed by the institution. Despite requesting clarification, the school has not provided adequate documentation identifying the loan servicer, proof of the charge, or evidence that I authorized this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS LLC Last reported XX/XX/year> {$120.00} This debt was not created by me ; it is the result of identity theft. I did not willingly or knowingly make this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for failing to conduct a reasonable investigation into my billing dispute, as required under the Fair Credit Billing Act. My claim was incorrectly treated as a cancellation rather than a services not as described dispute, despite my immediate same-day checkout due to unsafe and materially misrepresented hotel conditions. We observed a mouse in the hotel lobby near exit to the so-called dining area as well as : Unsanitary conditions, including visible garbage Advertised restaurant was torn down with debris surrounding the pool are Pool and common areas that were unclean and unusable Overall conditions presenting health and safety concerns The front desk attendant agreed with our decision to leave by immediately refunding {$300.00} of the hotel upgrade we had purchased at the time of check-in. The hotel- XXXX XXXX XXXX XXXX XXXX XXXX , was also contacted and acknowledge the property was " under construction '' but failed to indicate so on their website. Additionally, the merchant submitted inaccurate information, including an incorrect checkout date, incorrect billing address, and misspelling of my name, which appears to have been relied upon in denying my claim. I am requesting that this matter be reopened and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: KS

Complaint narrative:
The problem with this claim is that there is not really an official XXXX XXXX. The amount is {$1400.00}. I never received any notification of a debt being owed from either XXXX XXXX XXXX XXXX ( XXXX ) or XXXX XXXX XXXX, the collections agency. The original medical treatment occurred on XX/XX/XXXX and all insurance info and payments were made to the main hospital as requested and without any issue. I only came to realize that something was amiss after my XXXX XXXX dropped by XXXX points in early XXXX. I then called XXXX and provided my insurance info. They then tried running the insurance but since it was too late the insurance wouldn't process it. XXXX then told me that the debt would be voided since it was processed too late and wasn't my fault. Since then I have been checking my credit report but it still shows up as a collections charge. I tried filing a dispute with all XXXX bureaus but they all said that the debt was valid. I then tried calling the collections agency and they said they hadn't received any communication from XXXX. I have been calling every month or few months and get told the same white lie that its being escalated and that the debt will be removed but it still shows up on my report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 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: TN

Complaint narrative:
On XX/XX/year>, I was approached on XXXX XXXX by XXXX individuals who told me I was making a {$5.00} charitable donation. Based on that representation, I agreed to the transaction using my chase credit card. However, I was later charged approximately {$5000.00}. The charge appears on my statement as XXXX XXXX XXXXXXXX XXXX and is categorized as a beauty shop/barber shop, which does not match the representation of a charity donation. I immediately disputed the charge with Chase Bank when I saw it on my statement. Chase initially issued a temporary credit for the amount. Chase later reversed the credit after determining the transaction was authorized because I provided my card. I explained that I only agreed to a {$5.00} charge and that the {$5000.00} charge was obtained through misrepresentation and deception. I requested documentation and merchant information from Chase. They provided XXXX phone numbers associated with the merchant, but both numbers were invalid. I was unable to locate any legitimate business information for this merchant. I am also reporting this incident to XXXX and filing a police report, as this appears to be a scam involving fraudulent in-person solicitation. Despite clear discrepancies in the amount, merchant type, and lack of verifiable merchant information, Chase has refused to treat this as fraud and has held me responsible for the {$5000.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I ordered a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through XXXX. The order total was {$180.00} XXXX weighs XXXX lbs. and the total dimensions are XXXX '' XXXX '' XXXX '' as per XXXX package specifications section. It was out for delivery on XX/XX/year> but when XXXX arrived at my house, the package was never taken out of the truck but even though it was never taken out of the truck it was marked delivered with my other small packages from XXXX and XXXX. I contacted XXXX and they gave me a case number ( XXXX ) and they said to wait till XXXX, XX/XX/XXXX to see if it arrived. They said that if it did not arrive by then, to call back and request for a refund. I did that and they said that their system says that it was a successful delivery even though they can see the delivery picture missing the main item that I ordered from them. They said to dispute it with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, XXXX XXXX XXXX I purchased an item from XXXX ( {$340.00} with tax ) and paid through PayPal. ( please see attached image PayPal XXXX ). Seller provided a XXXX tracking number to an address with the same zip code with my address, and it was an INSIDE DELIVERY, received by some name XXXX! ( Please see attached image PayPal XXXX ). My address is a resident address, XXXX only inside delivery for business addresses and no one in my house name XXXX! ( Please see attached image PayPal XXXX ) I never received the item, I contacted PayPal via website, opened a dispute but XXXX times they denied my case without contacting XXXX to verify the actual delivery address!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am filing a formal complaint against a debt collector and the original creditor, XXXX XXXX XXXX, regarding a consumer debt that has been improperly handled and collected without proper validation. I previously submitted a written request for debt validation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). Despite this request, I did not receive any validation, documentation, or response within the required timeframe. Instead, the account was subsequently transferred or sold to another collection agency without resolving my dispute or providing the requested verification. The current collection agency has continued collection activity, yet has also failed to provide proper validation of the debt upon request. Additionally, I attempted to contact the agency to resolve or settle the account, but was denied the opportunity to do so and was not provided with adequate information regarding the debt. This situation raises concerns regarding potential violations of the FDCPA, including failure to validate a disputed debt, continued collection activity without verification, and lack of transparency in communication. The information being reported and used to collect this debt appears incomplete and potentially inaccurate. I am requesting that the Consumer Financial Protection Bureau investigate these practices, ensure that the parties involved comply with federal debt collection laws, and require proper validation of the alleged debt. If the debt can not be validated, I request that all collection activity cease and any reporting related to this account be corrected or removed. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is the information that was provided to the bank. This correspondence concerns unauthorized and fraudulent transactions that occurred on XX/XX/XXXX and XX/XX/year>. During this period, both accounts were compromised, and funds were transferred without authorization to an unknown individual, XXXX XXXX. The transactions are detailed as follows : {$4400.00} transferred from the XXXX Account via XXXX {$4900.00} transferred from the XXXX Account via XXXX A formal fraud claim ( XXXX ) was submitted to your fraud department on XX/XX/year>. Additionally, a police report has been filed in connection with this matter ( Police Report XXXX XXXX ). The XXXX has worked directly with the local branch to ensure no further unauthorized activity occurred. As a precautionary measure, both compromised accounts were secured and closed, and new accounts have since been established. In coordination with Truist Bank Representative, we confirmed the following partial recoveries : {$4400.00} credited to the XXXX Account on XX/XX/year> {$71.00} credited to the XXXX Account on XX/XX/year> As of this date, a remaining balance of {$4800.00} remains outstanding in connection with this claim. We were recently advised that additional information is required to complete the review of the {$4900.00} XXXX transaction. Which was provided to the bank on XX/XX/year>.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: NJ

Complaint narrative:
I was enrolled in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX program. Within XXXX days and before my XXXX billing cycle, I discovered the college prep option was not visible at enrollment. I called to switch programs and was told by multiple representatives that this would be treated as an internal program adjustment with no fees. I was directed to cancel and re-enroll through their XXXX XXXX XXXX as their system could not switch programs internally. No representative disclosed any cancellation fee or XXXX policy. I formally disputed the {$350.00} charge in writing to XXXX XXXX on XX/XX/XXXX. XXXX XXXX never responded to my dispute. Despite my active dispute, XXXX XXXX sent this debt to USCB Corporation for collections without resolving or acknowledging my complaint. XXXX contacted me by phone on XX/XX/XXXX and quoted an amount of {$2000.00} significantly higher than the original {$350.00} with no written explanation. I have been continuously paying {$60.00} per month for the active college prep program throughout this entire dispute. The general diploma program was never accessed or used.

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Global Lending Services LLC
State: WA

Complaint narrative:
I am submitting a follow-up complaint against Global Lending Services LLC ( XXXX ) regarding their inadequate response to my prior CFPB complaint and ongoing issues with this account. XXXX XXXX ( XXXX, XX/XX/XXXX ) The vehicle was repossessed in XXXX XXXX XXXXassigned agents. During the repossession, I was assaulted, threatened with arrest, and denied access to personal property, including ashes. The agents attempted to use law enforcement to intimidate me. XXXX responded to my prior complaint by deflecting responsibility to the repo company, without providing any investigation, documentation, or findings. This constitutes a failure to investigate serious misconduct while the agent acted on XXXX behalf, and XXXX represent a breach of the peace under applicable state law. XXXX XXXX XXXX ( FCRA violations ) The account continues to be reported to credit bureaus despite being unverified and disputed. Reporting includes : Inconsistent charge-off dates across XXXX and XXXX Continued XXXX after documented disputes Failure to account for a verified payment made on XX/XX/XXXX ( {$670.00} ) XXXX did not provide any documentation, account history, or method of verification, which violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Prior Attempts and Harassment There was a prior repossession attempt without court order, causing emotional distress. I have received ongoing threats and improper contact, which XXXX failed to investigate or address. Request for Relief : I am requesting that the CFPB : Ensure XXXX conducts a full, documented, and reasonable investigation of the account and repossession events. Provide complete payment history and deficiency balance calculation. Provide the method of verification used to validate the account. Immediately delete this account from all credit reporting agencies if XXXX can not fully verify the information. Confirm that all harassment, threats, and improper tracking have ceased.

Company response to consumer: Closed with explanation