vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: TN

Complaint narrative:
In compliance with Terms & Conditions, emailed company XX/XX/year> to discontinue future ACH withdrawals. Company proceeded to attempt an ACH withdrawal 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 2026-05-14 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: DC

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2026-05-14 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: EQUIFAX, INC.
State: DC

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair 3Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: SC

Complaint narrative:
I believe this loan may have been opened fraudulently using my personal information. I never applied for or authorized this payday loan. {$3400.00} Vance and Huffman

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
. On XX/XX/year>, I went to close my Wells Fargo checking account. Before closing it, I specifically asked the Wells Fargo banker whether the {$200.00} transfer had posted. He told me yes. I later realized he had been looking at a previous XXXX transfer, not the XX/XX/XXXX transfer. After I returned home, I checked my accounts and saw that the {$200.00} had been withdrawn from my XXXX XXXX XXXX account, but it was still showing as pending on the Wells Fargo side and had not been fully deposited. I then called Wells Fargo and they canceled the transfer request because it was still showing as pending on their end. Since then, the {$200.00} has not been returned to my XXXX XXXX XXXX account, and it never appeared in my Wells Fargo account before the account was closed. I have now spent hours over multiple days being sent back and forth between both banks. Wells Fargo says they can not help because they canceled the request and claim they never received the funds. XXXX XXXX XXXX says the funds left my account and that their XXXX trace shows the funds were received by Wells Fargo. Today, I spent over XXXX hours in a Wells Fargo branch while XXXX XXXX XXXX and Wells Fargo spoke directly to each other. XXXX XXXX Bank traced the XXXX and stated that Wells Fargo received the funds. However, Wells Fargo still insists they did not receive the money and did not decline or return it because the transfer was canceled. XXXX XXXX Bank has requested an indemnification letter / XXXX form from Wells Fargo so they can dispute or reclaim the funds. Wells Fargo refuses to provide this and states they do not issue such a form because they say the payment was canceled and never received. Wells Fargo also had me send a photo of an ending balance form by email, but after I returned home, XXXX XXXX XXXX called and told me that document was not sufficient to resolve the issue. I then spent another two hours calling both banks again, with neither bank taking responsibility or resolving the missing {$200.00}. At this point, I am requesting help because {$200.00} was withdrawn from my XXXX XXXX XXXX account, was traced by XXXX XXXX as received by Wells Fargo, but Wells Fargo says they never received it and will not provide the documentation XXXX XXXX says it needs to recover or dispute the funds. Both banks continue to send me back to the other, and the funds remain missing

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Eastern Account Systems of Connecticut, Inc.
State: WV

Complaint narrative:
I got credit alerts that a collections had been placed on my credit. I called the company that was being falsely represented by the collections agency. XXXX XXXX XXXX XXXX XXXX they said all 15 of my accounts were paid up to date and no late payments posted. Never turned over to collections. I contacted the collections reporting company Eastern Account Syst. They couldnt provide the address or acct number or any dates. The dates on there were for yesterday. That would be difficult to have a late fee for a posted date of XX/XX/year>. Also an electric bill precisely {$330.00} would be tough to do. They offered to remove it for a fee of {$270.00}. Clearly a scam

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: NC

Complaint narrative:
I am formally disputing this flight ticket charge booked through the third-party company XXXX XXXX. I requested cancellation within XXXX hours of booking due to a serious medical emergency after my XXXX suffered a XXXX and required XXXX XXXX. I contacted the company immediately by phone, but they failed to process the cancellation and continued charging my account. Under the U.S. Department of Transportation ( DOT ) 24-hour cancellation rule, consumers have the right to cancel eligible flight reservations within 24 hours without penalty. The merchant failed to honor this legal right. In addition, we never received the travel service connected to this charge. The ticket was canceled and unused, yet the company continued billing me. I consider this an unauthorized and improper charge. I also believe the credit card company failed in its obligation to protect me as a customer against disputed and unauthorized charges. I already explained the emergency situation and provided supporting information, but the investigation was not handled fairly because the merchant is denying the phone call and no written confirmation was provided. Under the Fair Credit Billing Act, credit card companies are required to fairly investigate billing disputes and protect consumers from improper charges and services not received. I respectfully request : Immediate escalation of this dispute Full reinvestigation of the charge Reversal of the disputed amount Written confirmation of the final decision Thank you.

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 non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I tried calling venmo and their chat support is only available if someone signs in. Please change the phone number on the venmo account to XXXX, email address XXXX XXXX of venmos corruption and aiding abetting identity theft is here on the CFPB. First they claimed there was no account and then they claimed I just needed to call to verify. Even after advising I have a federal case with my fingerprint information to check. Venmo never requested a notary and my social security number is still being used. I want the phone number changed or I want the venmo account closed and all of the fraud purchases sent to the California Federal Courthouse XXXX XXXX ( sounds like eye XXXX XXXX XXXX California United States of America Someone used of the afshars name attempted to file a federal case piggy backing of my families and they were immediately unlinked from my family for controlling finances and we have never been able to recover access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am responding to your contact regarding the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The amount of the alleged debt The name of the original creditor Copies of any documents showing I agreed to this debt Proof that your company has the legal authority to collect this debt A complete payment history, including any fees or interest added Until you provide proper validation, I request that you cease collection activities and stop reporting this debt to any credit reporting agencies. This letter is not an admission that I owe the debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Synchrony Bank is the credit company for my Lowes department purchase. The contract does not state payments can not be early. I am in an 18 month contract. My first payment was due XX/XX/year>. My first payment was made XX/XX/year>. When May came I set my payment for XXXX for my XXXX payment. Two payments were made. None were late i am following rules according to their contract. My recent statement said my next payment is due XX/XX/year>. I made that payment on XX/XX/XXXX. The Bank says I cant do that. As you see my payment is made within two & half weeks before the due date. Plus they offer the set up online. The contract does not say I cant set my payment up and pay. Please help. They refuse to change my due date to accommodate my Social Security payment on the XXXX. Please help me get that payment meant for XX/XX/XXXX, to be applied as its meant

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Heres a stronger, more professional version that still clearly shows the seriousness of the situation : Someone gained unauthorized access to my XXXX account and transferred funds from my connected Chase bank account without my permission. Because my Chase account was linked to XXXX, the transaction was able to go through and resulted in my account being overdrafted. I immediately contacted both XXXX and Chase Bank to report the unauthorized transaction. Instead of providing a meaningful resolution, both institutions advised me to file a police report, which I have since completed. However, I was left with the impression that unless law enforcement is able to identify the individual responsible, neither institution intends to take accountability or properly resolve the matter. One of my primary concerns is Chase Banks fraud monitoring practices. I regularly receive fraud alerts from Chase regarding transactions as small as {$700.00} and as large as {$25000.00}, where transactions were automatically flagged or declined for security purposes. Given this history, I do not understand why a {$20000.00} unauthorized transaction was not automatically flagged, declined, or brought to my attention before being processed. I received no fraud notification, no verification request, and no opportunity to stop the transfer before the funds were removed from my account. This is especially concerning considering that my account has all recommended security protections and protocols enabled. Additionally, I do not recognize the recipient in any capacity. I searched my records, including invoices, shipping history, and social media history, and found no connection whatsoever to the individual or email address that received the funds. This transaction is entirely inconsistent with my normal banking and account activity, including the fact that this is the first overdraft that has ever occurred on my account. I am requesting a full reinvestigation into this unauthorized transaction, including a review of the authentication methods, login activity, device access, and fraud detection procedures associated with the transfer. I Uploaded the police report, one of the pages is a scanned version so it can be easily read.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dispute regarding unfair Interest Charges caused by recurring PayPal payment system failures. Description of what happened : I am filing a formal complaint against PayPal Credit for persistent technical failures in their payment processing system that resulted in unfair interest charges across two billing cycles ( XXXX and XX/XX/year> ). 1. Facts and Recurring Technical Failure : For two consecutive months, I have been unable to pay my balance in full through the PayPal interface despite having a verified XXXXXXXX XXXX account with sufficient funds. The Error : Whenever I attempt to pay, the system displays messages such as " Use another card, '' " Add a different bank, '' or " Try again later. '' Attempted Methods : I have tried multiple payment methods ( Direct bank transfer, Debit card, and Checking account ). All were repeatedly blocked by PayPals server-side errors. 2. Impact on XXXX Billing Cycle : Statement Balance : {$1600.00} | Due Date : XX/XX/year>. Timeline : On XX/XX/XXXX, I attempted to pay the full balance. The system only allowed a partial payment of {$1100.00} before blocking all further attempts. Result : Because of the system 's refusal to process the remaining {$500.00}, I added money late and made payment on XX/XX/year>. Penalty : This 5-day delay, caused entirely by PayPal 's technical bug, triggered an interest charge of {$26.00} on my next statement. XXXX. Impact on XXXX Billing Cycle & Bank Intervention : Due Date : XX/XX/year>. Timeline : The same error occurred. I had approximately {$1500.00} remaining. Due to PayPal 's system blocking my attempts on the due date, the final payment was not completed until XXXX XXXX was forced to manually initiate a transfer from XXXX. Bank Disturbance : These failures were so severe that my bank ( XXXX ) had to contact me to verify information, causing significant distress. Potential Loss : I anticipate further unfair interest charges on my upcoming statement due to this 1-day delay caused by the same recurring bug. I have contacted their credit card department by phone to request a waiver of this fee, but my request was rejected. I do not believe this issue is my fault at all ; the extra interest is entirely caused by their technical system failure. My repayment records fully prove that I have a strong willingness to repay and no intention of making overdue payments deliberately. I am willing to provide any relevant information and assist fully if needed.

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 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Northern Trust Company, The
State: CA

Complaint narrative:
STATEMENT OF COMPLAINT : This is a formal non-compliance, database failure, and fiduciary escalation complaint against Northern Trust Company for an ongoing processing gap and a refusal to investigate a high-value legacy beneficiary asset. As the Power of Attorney for XXXX XXXX, the sole designated residuary beneficiary of the probated will of XXXX XXXX ( Deceased XX/XX/XXXX ; SSN : XXXX ; XXXX : XX/XX/XXXX ; last known domicile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am tracking un-administered, high-value custodial retirement assets historically linked to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX annuity rollovers from the XXXX. Front-line representatives at this institution continuously issue an immediate verbal or automated " no record '' response based entirely on a standard, surface-level digital terminal search. Because an official cross-check confirms these funds have not been turned over to the State Unclaimed Property divisions of Mississippi or New York, the assets remain held internally by the custodian financial institution. Due to the 20-year time lapse, these specific commercial private equity, annuity, and real estate ledger records are stored on legacy, offline fiduciary systems or physical microfiche vaults. They a re completely disconnected from the banks modern daily customer networks, causing automatic, erroneous d atabase blind spots on front-line customer service monitors. By issuing a surface-level digital denial withou t routing this inquiry to the Legacy Fiduciary Archival Team ( including historical predecessor corporate trust entities where applicable ), the bank is actively blocking a verified beneficiary. The principal, XXXX XXXX, is present with a modern government-issued ID and SSN card, ready for immediate voice verification.

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 2026-05-14 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: SC

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am responding to your contact regarding the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : * The amount of the alleged debt * The name of the original creditor * Copies of any documents showing I agreed to this debt * Proof that your company has the legal authority to collect this debt * A complete payment history, including any fees or interest added Until you provide proper validation, I request that you cease collection activities and stop reporting this debt to any credit reporting agencies. This letter is not an admission that I owe the debt. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am disputing the reporting of an account by Jefferson Capital because this account does not belong to me. I have no knowledge of this debt, did not open this account, and have not authorized anyone to open an account on my behalf. Despite disputing the account, Jefferson Capital continues to report the account to the credit bureaus, which is causing damage to my credit profile. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate information and conduct a reasonable investigation when a consumer disputes an account.

Company response to consumer: Closed with non-monetary relief