vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Top Line Collectors LLC
State: IL

Complaint narrative:
* * * I conducted research prior to making this complaint on XXXX and discovered recent complaints that are similar in nature. * * * I attempted to call a phone number to resolve this described below and did not feel comfortable providing personal information over the phone. On XX/XX/XXXX and XX/XX/2026, I received two fraudulent text messages purported to be from Top Line Collectors LLC ( debt collector ). Your XXXX Bank XXXX balance needs attention. A hyperlink was associated and that hyperlink led to a portal with Top Line Collectors LLC company header and footer with phone number, address and email with a balance of {$27000.00} reference number XXXX. I dispute these claims as fraud and harassment. * The name associated with the account is not mine. * I have never owned an account with XXXX Bank XXXX, nor have I ever given permission to conduct financial business with XXXX Bank XXXX to access my personal information. I have never heard of this institution prior to this. * I have never had any financial business with XXXX XXXX XXXX or have ever given permission to conduct financial business with XXXX XXXX XXXX to access my personal information. I have never given permission for these entiities to utilize my cellular phone number. * I have active credit freezes with XXXX XXXX and XXXX XXXX for over a decade and don't want any erroneous or frivolous credit discrepancies. This matter has caused undue stress to myself as this can adversely effect my occupation. I attempted to contact a phone number XXXX that previously called that was flagged as " SPAM RISK '' yesterday, XX/XX/2026 when a represenative identified himself from Top Line Professionals. He had a thick-tongued accent and I did not feel comfortable providing personal information over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
I am a 100 % XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX Veteran with a service connected XXXX XXXX XXXX and XXXX with XXXX XXXX XXXX. I am filing this complaint against XXXX XXXX for Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). On XXXX XX/XX/year>, the General Manager of XXXX XXXX XXXX Tx, XXXX XXXX, verified that I submitted my cancellation request on XXXX XX/XX/year>. On XXXX XX/XX/year>, a payment was made through their billing company XXXX XXXX to cover the 30 days as per the contract. Despite this, XXXX XXXX has attempted to bill my account 3x weekly, including a fresh attempt on XXXX XX/XX/year>, and again today on XXXX XX/XX/year>. XXXX XXXX is selectively giving my wife a refund for the same issue, but is continuing to harass me for the same issue with the only resolution offered is, " we're sorry for the inconvenience and we'll waive the {$15.00} processing fee. '' This persistent harassment is causing undue stress, and lowering my XXXX threshold. XXXX XXXX has ignored merchant records and contract agreements and is acting in bad faith. I am seeking an immediate {$0.00} balance and {$5000.00} in restitution for medical aggravation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this complaint as a follow-up to a prior CFPB complaint regarding Comenity Banks reporting of the following accounts : XXXX and XXXX. In response to my previous complaint, Comenity Bank stated that the accounts were verified but failed to provide any documentation, method of verification, or explanation of how the investigation was conducted. Additionally, Comenity Bank admitted that it is no longer the creditor on these accounts. After receiving their response, I sent a certified Method of Verification Demand and Notice of Intent to Sue, which was delivered on XX/XX/year>. As of today, Comenity Bank has failed to provide any response, documentation, or validation. Despite being placed on notice, Comenity Bank continues to report these accounts in a manner that is misleading and damaging. Their actions raise serious concerns regarding : Failure to conduct a reasonable investigation Reporting inaccurate or misleading information Failure to properly update account status after transfer/sale Continued reporting without proper verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery has been harassing me and they have a history of illegal and unorthodox methods of attempting to collect debt with CFPB citations and fines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Unauthorized Transactions and Denied Fraud Claims I am submitting this complaint regarding unauthorized and fraudulent transactions involving my accounts at XXXX XXXX and Wells Fargo. The issue began when multiple XXXX transfers were made from my XXXX XXXX account to my Wells Fargo account without my authorization. Immediately after these transfers, the funds were used to make numerous purchases of XXXX coins through XXXX XXXX. The total disputed amount is {$130000.00}, which includes : - {$120000.00} ( primary claim ) - {$2000.00} ( secondary claim ) These transactions follow a clear and suspicious pattern, consisting of repeated transfers and purchases in smaller amounts, which is a known indicator of fraud designed to bypass bank security systems. I did not authorize, initiate, or benefit from any of these transactions. Upon discovering the activity, I promptly reported it to both XXXX XXXX and Wells Fargo and filed fraud claims with both institutions. XXXX XXXX conducted an investigation and partially acknowledged the fraudulent activity by refunding the amounts related to XXXX XXXX purchases. However, XXXX denied reimbursement for the XXXX transfers. I have filed a separate complaint regarding the XXXX transfers with the Consumer Financial Protection Bureau ( CFPB ), and that complaint is still under review. At the same time, I filed claims with Wells Fargo regarding both : 1 ) The XXXX transfers received into my account from XXXX 2 ) The subsequent XXXX XXXX purchases made using those funds Wells Fargo denied both claims and concluded that no error occurred, without providing sufficient explanation or clear evidence to support this determination. Additionally, the XXXX XXXX associated with these transactions has been disabled due to suspicious activity, and I no longer have access to it. Given the transaction pattern, the partial fraud determination by XXXX XXXX, and the overall circumstances, it is clear that these transactions were unauthorized. Under the Electronic Fund Transfer Act ( EFTA ), I am entitled to protection from unauthorized electronic transactions. I formally request that Wells Fargo : - Reopen both claims - Conduct a full and fair reinvestigation - Provide detailed evidence supporting their denial - Reimburse the full disputed amount I expect Wells Fargo to comply with federal consumer protection laws and properly address this matter. Sincerely, XXXX XXXX

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 2026-05-01 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:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am a 100 % XXXX XXXX XXXX XXXX veteran. Midland Credit Management ( MCM ) used deceptive and misleading representations to collect two payments totaling {$2700.00} ( {$2400.00} and {$350.00} ) on XXXX.The collector falsely stated that these accounts were appearing on my credit report and that payment was a mandatory legal requirement for my mortgage process. Neither statement was true ; the accounts were not on my report. I made these payments under extreme duress while experiencing a severe medical crisis ( XXXX XXXX ) .I am requesting a Full Refund of both payments ( {$2700.00} ) based on FDCPA violations and significant medical/financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A collection account appearing on my credit report is showing a balance of {$27000.00}. The actual amount owed is approximately {$6000.00} a discrepancy of {$21000.00}. This is a material inaccuracy in violation of the Fair Credit Reporting Act, which requires that all information reported to credit bureaus be accurate and verifiable. I did not discover this error until reviewing my credit report. The collection agency is reporting information they can not verify as accurate, as the balance is significantly inflated from the true amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: FL

Complaint narrative:
My Cash App account is still accessible, but I am unable to transfer or withdraw my remaining {$200.00} balance to my bank account. I have completed all requested verification steps and followed support instructions, including linking bank accounts, but the issue has not been resolved for approximately two years. The problem started XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
Inaccurate and Inflated Balance XXXX XXXX XXXX Account I am formally disputed the balance being reported and collected for the XXXX XXXX XXXX account currently assigned to Fair Collection & Outsourcing. They did not respond. The reported balance is inaccurate and does not reflect the true accounting of the account. First, a {$3500.00} security deposit was paid and has not been applied or reflected in the balance. This omission results in a materially inaccurate amount being reported. Second, I was forced to vacate the unit and was denied the ability to continue tenancy despite my attempt to resolve the account. Payment fo r XXXX and XXXX was not accepted, and I was not permitted to remain in the unit. Despite this, the balance being reported includes charges for additional months ( XXXX and XXXX ), which were incurred after I was no longer in possession of the property. These charges are improper and not legally owed. This constitutes : - Inaccurate reporting under the Fair Credit Reporting Act ( FCRA ) - Attempted collection of an inflated and unsupported balance under the Fair Debt Collection Practices Act ( FDCPA ) I am requesting full validation of this debt, including : - A complete itemized ledger of all charges and payments - Application and accounting of the {$3500.00} security deposit - Documentation supporting any charges after my vacate date - Proof of legal basis for continued rent charges after refusal of payment and termination of occupancy ( I was forced to move, they denied payment )

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 2026-05-01 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: 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 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding Wells Fargos improper handling of my deposit account, including failure to close the account and assessment of unauthorized fees. On XX/XX/year>, I withdrew all funds from my account, leaving a {$0.00} balance, and explicitly requested that the account be closed that same day. Despite this request, Wells Fargo failed to close the account. Without my authorization or knowledge, Wells Fargo continued to treat the account as active and assessed after the account should have been closed. I was not provided any notice of these fees. Wells Fargo later acknowledged that no notice was given. On or about XX/XX/year>, Wells Fargo charged off the account due to these improperly assessed fees. I only became aware that the account had not been closed when a transfer was mistakenly sent to the account and I was informed that the account was charged off rather than closed. This conduct is improper because I terminated the account relationship on XX/XX/year> ; the account had a {$0.00} balance at the time of closure request ; fees were assessed after termination without authorization ; no notice of fees were provided ; Wells Fargo admitted lack of notice but refused to reverse the charges. This appears to be an unfair and deceptive practice, including failure to properly process an account closure request and assessing fees without consent or disclosure.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing this complaint against Bridgecrest for failure to respond to a certified written dispute and for continuing to report inaccurate and unverified information on my credit report. On XX/XX/year>, Bridgecrest received my formal written dispute via Certified Mail. This dispute clearly challenged the accuracy and completeness of the account they are reporting and requested a proper investigation, validation of the alleged debt, and the method of verification. As of the date of this complaint, Bridgecrest has failed to respond in any way. Despite being placed on formal notice, Bridgecrest continues to report this account to the credit reporting agencies without : Conducting or providing evidence of a reasonable investigation Providing validation of the alleged debt or deficiency balance Providing the method of verification ( including who verified the information, how it was verified, and when ) Correcting or deleting inaccurate or incomplete information This conduct is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers of information to conduct a reasonable investigation after receiving notice of a dispute and to correct or delete any inaccurate, incomplete, or unverifiable information. Bridgecrests complete failure to respond to a certified written dispute demonstrates willful noncompliance and a reckless disregard for their legal obligations. Furthermore, the account appears to contain inaccurate and/or incomplete reporting, including but not limited to : Improper reporting of account status following repossession Questionable or unverified deficiency balance Potential inconsistencies in reporting across credit reporting agencies Failure to provide a proper accounting of the balance allegedly owed Their continued reporting of this account without proper investigation is causing ongoing harm to my credit profile, including damage to my ability to obtain credit, housing, and favorable financial terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Nelnet, Inc.
State: UT

Complaint narrative:
I am writing to file a formal complaint against Nelnet regarding inaccurate negative credit reporting resulting from their failure to provide adequate notice of repayment resumption. My federal student loans were in a deferment/forbearance period. When my payment pause ended and repayment resumed, Nelnet failed to provide me with adequate advance written notice that payments were becoming due. As a direct result of this failure to notify me, I was unaware that payments had restarted, causing my accounts to fall 90-150 days past due during the period of XXXX through XX/XX/XXXX. I have the following loan accounts with Nelnet ( all under Account # XXXX, Dept of Education ) : - Opened XX/XX/XXXX, Original Balance {$4500.00} - Opened XX/XX/XXXX, Original Balance {$6000.00} - Opened XX/XX/XXXX, Original Balance {$5500.00} - Opened XX/XX/XXXX, Original Balance {$5500.00} - Opened XX/XX/XXXX, Original Balance {$1800.00} All five accounts reflect 90-150 day late payment notations for XXXX through XX/XX/XXXX on my credit reports with XXXX, XXXX, and XXXX. These accounts are now fully current and I have made every payment on time since XX/XX/XXXX. This delinquency was caused entirely by Nelnet 's failure to properly notify me that my repayment period was resuming. The negative marks do not reflect my creditworthiness or intent to pay. I am requesting : 1. That Nelnet provide documentation proving they sent adequate advance notice to me at my correct address that my deferment was ending and payments were resuming. 2. That Nelnet submit goodwill deletion requests to XXXX, XXXX, and XXXX to remove all late payment notations from XXXX through XX/XX/XXXX on all five loan accounts. 3. That the CFPB investigate Nelnet 's notification practices regarding repayment resumption. My loans are now current and I am committed to repayment. I am asking for these late marks to be removed due to Nelnet 's failure of proper notice, not as an attempt to avoid my debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
am filing a complaint regarding unauthorized charges on my PayPal Cashback Mastercard issued by Synchrony Bank totaling approximately {$4000.00}. I did not authorize these transactions, and my phone was not in my possession at the time they occurred. Synchrony Bank denied my claim and appeal stating that the transactions matched my personal information ( name, email, and card details ). However, this does not prove authorization, as unauthorized access to my PayPal account would naturally use my stored information. I am requesting a proper investigation under the Fair Credit Billing Act, including review of device ID, IP address, and login history associated with the transactions. I believe the investigation was insufficient and did not properly consider the possibility of account compromise. I am requesting that these charges be removed and that I be credited for the unauthorized transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation