vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 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: PA

Complaint narrative:
I filed a claim with Wells Fargo because of a unauthorized transactions my claim was denied, even though the transactions were not authorized also, after denying my claim after just two business days of investigating they also notified me that they will be closing my account because I am a risk. I called Wells Fargo to resolve this issue And was told that there is nothing I can do and that my claim is denied even though I did not authorize these payments, my debit card was lost/ stolen. I left my gym bag at the gym, and my wallet was stolen out of my bag. My phone was also tampered with however I was able to recover my phone with to find my XXXX app. The amount of the unauthorized transactions is {$1100.00}

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 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
XXXXName: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was stolen multiple times XXXX. While device was stolen each time various unauthorized transactions appeared on my account. I previously opened a claim with CFPB and disputes through cashapp and was denied. The transactions are completely unauthorized and not made by me or anyone I know. XXXXI use an XXXX XXXX was stolen and had to be replaced 3 times here are the dates I reported device stolen: XXXX XXXX XXXXMy XXXX XXXX was stolen XXXXMy wallet with pin and password information inside was stolen each time my phone wasXXXXI filed a police report on each time my device was stolen and unauthorized charges appearedXXXX The unauthorized charges areXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XXXX Bread Financial my credit card card increased my limit from XXXX to XXXX I had it nearly paid off at XXXX as you can see from the screenshot I took on XX/XX/25 I had a lot going on at a time and I thought it was weird that they increased my limit and my balance went up by {$300.00} as well, but I didnt think anything of it Im currently at a threshold of about {$95.00} and I owe like XXXX. However, looking at the transactions, I was never credited to XXXX that they increased my limit by. 
And now having done research, I realize that that is an error on their part I have contacted them and they said that they increased my limit what Im talking about is uncommon and did not happen I sent them the screenshot and they are continuing to deny

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding a Zelle transaction that was incorrectly classified as fraud, resulting in severe financial harm and the freezing/closure of my personal bank account by XXXX XXXX . 

This transaction involved a one-time personal service, not fraud, and not criminal activity.

I was asked by my sister to assist with cleaning a residential home for one of her clients. This was not my business, not a commercial transaction, and not a merchant service arrangement. I received {$180.00} via Zelle as payment for that assistance.

The customer was dissatisfied with the cleaning service and instead of requesting a refund, disputed the transaction with her bank as fraud.

This was a service dissatisfaction dispute, not fraud.

As a result of this misclassification : My personal XXXX XXXX account was frozen and closed I lost access to all of my funds My federal tax refund ( ~ {$10000.00} ) is scheduled to deposit into a
frozen account I can not access my money to pay bills My car note and loans are now past due I am experiencing serious financial hardship The customer has since been fully refunded by my sisters cleaning business ( XXXX XXXX XXXX ), and the dispute is being closed with her bank. Despite this, my account access has not been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT MANAGEMEN Has harassed me about this account that I didnt open with them they have no written paperwork or documents showing that I have done business with them. They have called me over and over again after I have asked them to send everything through XXXX Mail. and I never received anything. they put this on my report in XXXX XX/XX/year> in the amount of {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt associated with my name. I am disputing this debt and requesting validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following documentation to verify the validity of this debt : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of fees, interest, or charges Copies of any documents bearing my signature that show I agreed to assume this debt The date of the alleged delinquency and the date the account was opened Proof that you are legally authorized to collect this debt Until such validation is provided, you are required to cease all collection activities, including reporting or continuing to report this account to any consumer reporting agency. 

If you are unable to provide the requested documentation, I request that this account be closed and removed from my credit reports. 

Please provide all correspondence regarding this matter in writing only. 

Thank you for your attention to 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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
This serves as my formal request for validation of the debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following information : The amount of the alleged debt, including an itemized breakdown of any interest, fees, or other charges. 

The name and address of the original creditor. 

Documentation showing that I am legally obligated to pay this debt. 

Copies of any agreements, contracts, or judgments that bear my signature. 

Proof that your company is licensed and authorized to collect debts in my state. 

Until you provide the requested verification, please cease all collection activities, including reporting this account to any credit reporting agencies. If this account has already been reported, please inform the credit bureaus that the debt is disputed. 

This request is not an acknowledgment or acceptance of the alleged debt. 

Thank you for your cooperation. I expect your response within the time frame required by law. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was contacted by chase bank to confirm i was sending XXXX XXXX  payments to someone which i confirmed i did NOT, they transferred me to fraud dept and had me enter a cancellation code to cancel the transactions from going through. That code ended up sending XXXX transactions i did NOT anuthorize and the bank is siding with the scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Brett M. Borland, P.C.
State: AL

Complaint narrative:
The Company may only owe me for utilities, I have not verified with that but I do not owe them any kind of rent. They put an offer on for early moveout. I claimed that offer and then they did not applied the offer into my account. And then I was not notified by the property management either, they sold it to the debt collection. Which made me suffer. They said they will be offering a month free ( XXXX, 2025 ) if I move out from their apartment on XX/XX/XXXX. As I will move out on XX/XX/XXXX, I dont need to pay the rent for XXXX either. I claimed the offer but they are not responding after I gave them the explainatiln. As per leasing policy if i owe any amount, they will evict me. I see no eviction on my profile because they legally can not. Thats why they are making me suffer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: CA

Complaint narrative:
My vehicle loan with XXXX XXXX XXXX was involved in a total loss auto accident. The insurance company paid the lender and GAP coverage was supposed to pay the remaining balance. The lender failed to send the required documentation to the GAP provider, which caused the balance to remain and be reported as a charge-off/repo on my credit report. 

I contacted the lender to correct this and was told they are investigating and will update my credit if it applies. I disputed this with XXXX, but the account was verified without correcting the error. 

This account should reflect a total loss with insurance and GAP coverage and should not be reported as a charge-off or past due balance. I am requesting that the company properly process the GAP documentation and correct the inaccurate credit reporting.

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 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Included in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -- Included in XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Included in XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Included in XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Included in XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} - Late / Closed XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} -Included in XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Included in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Filed Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VA XXXX XXXX Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Debt Validation Request Original Creditor : XXXX XXXX XXXX XXXX. 
Account/Reference Number : XXXX To Whom It May Concern, I am writing in response to a collection account reported under your companys name on my consumer credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Until this information is provided, you must cease all collection activity, including reporting or updating this account with any credit bureau. If you are unable to validate this debt, you must request its removal from my credit file.

This letter is not an acknowledgment of liability nor a promise to pay. It is sent solely for the purpose of validation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against American Express for improper handling of my account, which resulted in direct financial harm, late payments, and fees.

American Express restricted my account without adequate notice, warning, or explanation. After this restriction, American Express reversed a transaction that had already been initiated. This action was taken unilaterally by American Express and was entirely outside of my control.

As a direct result of American Express reversing the transaction, I was unable to pay other scheduled obligations on time. This caused my bills to become late and resulted in a returned check fee and additional financial consequences. I had sufficient funds available and acted responsibly ; the harm was caused solely by American Expresss actions.

American Express failed to provide timely communication regarding the account restriction and failed to take reasonable steps to prevent foreseeable damage caused by reversing a transaction after it was processed. Their actions demonstrate poor account management and disregard for the financial consequences imposed on their customer.

I am requesting that the CFPB investigate this matter and require American Express to reimburse all fees and losses caused by the reversed transaction, including the returned check fee and any related charges. I am also demanding a full written explanation for the account restriction and reversal, as well as corrective action to prevent this from happening again.

American Expresss conduct disrupted my ability to meet my financial obligations and caused unnecessary hardship. This matter warrants immediate review and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: Chime Financial Inc
State: NY

Complaint narrative:
I filed a dispute on XX/XX/XXXX for XXXX unauthorized transactions and I was denied in matter of 2 hours and on XX/XX/XXXX I field a complaint against them on XX/XX/XXXX they reopened the dispute under a rebuttal dispute stemming from the complaint I filed. And they are saying that I will have a update by XX/XX/XXXX but they are refusing to give me a provisional credit which I am eligible for under regulation E of the federal law I filed the original dispute within 60 days of the transaction. There error in not investigating the dispute properly caused the dispute to be closed and I had to file complaint to reopen it and now they saying I aint eligible for the credit cuz the transactions are over 60 days old from the date the rebuttal was opened. Which under regulation E states that I am entitled to a credit if they cant resolve within 10 business days and they refuse to issue resulting in a direct violation of regulation E of the federal law when I call chime about it they state that the transactions are over 60 days old and I am not eligible for credit when its the same original dispute I filed less than 30 days after the fraudulent transactions happened! Dispute id # XXXX and the rebuttal is dispute id XXXX XXXXXXXX same dispute same merchant same transactions they are in direct violation of the federal law!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MA

Complaint narrative:
This collection account was reported to consumer reporting agencies without the required prior written validation notice, in direct violation of FDCPA 15 U.S.C. 1692g ( a ) and FCRA 623 ( a ) ( 1 ) ( A ). This unlawful reporting constitutes false and deceptive credit furnishing and renders the tradeline legally unverifiable. Immediate deletion is demanded. Failure to comply will result in regulatory complaints and civil enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
am submitting this complaint regarding unlawful debt collection and credit reporting by XXXX XXXX ( and/or its affiliated agents ). 
After conducting due diligence through the XXXX  Consumer Access database, I confirmed that XXXX XXXX is not licensed or authorized to collect debts in the State of Colorado. Despite lacking legal authority, the company has continued attempting to collect an alleged debt and has furnished derogatory credit reporting to at least two consumer reporting agencies. 
I have formally disputed this account and provided notice that unlicensed debt collection and reporting is unlawful under Colorado and federal law. The company has continued its conduct after notice, constituting knowing and willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Colorado Fair Debt Collection Practices Act. 
An entity without proper state licensure has no permissible purpose to collect or report a debt. I am demanding immediate cessation of collection activity and permanent deletion of this account from all consumer reporting agencies. 
I have attached documentation supporting my claim, including proof of lack of licensure and my formal cease-and-desist demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. After reviewing my report, I identified information that appears to be outdated or inaccurate. I respectfully request that my credit file be corrected to ensure it accurately reflects my current and verified financial 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 non-monetary relief
Consumer complaint received 2026-01-30 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: VA

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One 360 alleges it provides promotional percentage rates on shopping trips- there is no paper trail history for the customer to see the percentage of promotional rates. So once the consumer clicks the tile and purchases anything they have no proof of what they are supposed to be getting paid out in rewards. No one at Capital one has any answers to explain for lack of transparency and employee XXXX XXXX ID XXXX! XXXX NEVER called back as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 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: CA

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