vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
in XXXX i needed help with my finances so i took out a personal loan with a company named XXXX XXXX Texas of XXXX. 

i paid off that loan that same year in two months on XXXX XX/XX/XXXX i received a credit alert from a company called DRS filing against my credit dropping it XXXX points.The only information from the file was a charge of XXXX from XXXX. 

on XXXX XX/XX/XXXX the same charge was filed again dropping my score an additional XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Late payments were inaccurately reported due to servicer failure. When my federal student loans entered repayment, I did not have an online account and was not receiving billing statements or payment due notices by mail or electronically. 

I was later instructed by a representative to create an online account, at which point I discovered delinquency notices that had already been issued. Despite informing the representative that I had not received notices when payments became due, no corrective action was taken. 

The reported late payments resulted from lack of notice and account access, not borrower neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear American Express Customer Service, I am writing regarding the {$200.00} Airline Fee Credit associated with my card, which has not been applied to a recent XXXX XXXX XXXX transaction. 

The transaction details are as follows : Merchant : XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Amount : {$1000.00} USD ( XXXXXXXX XXXX ) Description on Statement : XXXX XXXX XXXX XXXX XXXX ( to appear on XX/XX/XXXX statement ) Card Member : XXXX XXXX XXXX This charge was for a seating fee with XXXX XXXX XXXX, which I understand should qualify for the {$200.00} airline incidental credit. However, I have not yet received the credit. 

Could you please review this transaction and advise why the {$200.00} credit has not been applied? I would appreciate your assistance in resolving this matter and confirming when the credit will be issued. 

Thank you for your prompt attention to this issue. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TN

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
On XX/XX/XXXX, I purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX financed through Wells Fargo Auto. The dealership sold and financed a {$1200.00} wheel and tire protection policy represented as covering the wheels and tires on the vehicle. The vehicle was sold with aftermarket wheels, which the dealership later claimed were excluded from coverage, rendering the add-on product misrepresented and without value. 

The dealership also sold the vehicle without disclosing that the Hawaii Safety Inspection had been expired for approximately seven months and the registration expired for approximately six months at the time of sale.

After discovering the expired safety inspection and registration on XXXX XXXX XXXX, I made service appointment and returned the vehicle on XXXX XXXX XXXX, for compliance, agreed upon air conditioning repair, and wheel replacement believed to be covered by the policy. The dealer retained possession of the vehicle until XXXX XXXX XXXX, and with minimal communication and unreasonable delay. Compliance and air conditioning repair were completed nearly three months after vehicle was sold and only after complaints were filed. 

Rather than acknowledging the misrepresentation, the dealership deflected responsibility by mischaracterizing the wheel damage as " collision '' despite consistent reporting that the damage resulted from contact with a protruding rock on the roadway. 

Due to the misrepresentation, I requested replacement of the wheel and tire at dealer cost or unwinding of the sale and loan. The dealership denied both remedies. I submitted the cancellation form requesting refund of the {$1200.00} add-on policy and am awaiting confirmation of the refund.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MILLENNIUM FINANCIAL GROUP, L.L.C.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : MILLENNIUM FINANCIAL GROXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Subject : MILLENNIUM FINANCIAL GRO Dear MILLENNIUM FINANCIAL GRO, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting. 
Specifically, please provide : Proof of the original creditors name and address The full account number associated with the debt Documentation of my legal obligation to pay An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights. 
I request a written response to this letter within XXXX days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting. 
Specifically, please provide : - Proof of the original creditors name and address - The full account number associated with the debt - Documentation of my legal obligation to pay - An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights. 
I request a written response to this letter within XXXX days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
SUBJECT : ILLEGAL FREEZE OF EXEMPT FEDERAL WAGES/ ENFORCEMENT OF VOID WRIT Wells Fargo is currently freezing 100 % of the funds in my checking account ( Ending in XXXX  XXXX ) in violation of the Consumer Credit Protection Act ( 15 U.S.C. 1673 ).

FACTS : Source of Funds : The funds in my account ( {$1000.00} ) are direct deposits of wages from my employer, XXXX XXXX XXXX XXXX XXXX These are " earnings '' protected by federal law. 
Federal Violation : By freezing these funds, Wells Fargo has facilitated a " Simultaneous Garnishment '' where 100 % of my disposable earnings are being seized ( wage garnishment at source + bank levy ). This exceeds the 25 % federal cap. 
Enforcement of Void Order : Wells Fargo is honoring a Writ of Garnishment from Case XXXX ( XXXX XXXX XXXX ). However, the XXXX XXXX clearly shows that the underlying Summons was returned " UNSERVED '' on XX/XX/XXXX ( Docket Entry XXXX  XXXX ). Wells Fargo has a fiduciary duty not to enforce facially void orders against its customers. 
EMERGENCY : Because Wells Fargo has frozen my entire livelihood, I am facing the immediate disconnection of electricity on XX/XX/XXXX, and eviction. 
DEMAND : Wells Fargo must immediately release the " Head of Family '' exempt wages and unfreeze the account. Continued enforcement of this void writ constitutes an Unfair and Deceptive Practice.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting. 
Specifically, please provide : -Proof of the original creditors name and address -The full account number associated with the debt -Documentation of my legal obligation to pay -An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights.

I request a written response to this letter within 30 days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: CA

Complaint narrative:
I requested a balance transfer from XXXX XXXX to repay U.S. Banks full balance owed. When I did the balance transfer online to repay U.S. Bank in full, I was having problems the payment was not going through, so I got U.S. Bank Customer Services help to give me the full balance owed and the payments address, in which he did. After a few days, I contacted U.S. Bank had they received the payment, so they said to wait 5 days, which I did, and in which speaking with Customer Service again, I was informed the transfer didnt go through and to redo the balance transfer request with him, so I did it again and was informed the request went through. So, sometime later, I saw on my account a credit of {$3600.00}, and called U.S. Bank customer service about the credit who informed me they can issue me a check or use the credit. I told him that I dont have any need to spend that kind of money, so he/she said they can mail me a check, so I agreed, but when I just now inquired about the repayment, they have no record of my request for a refund to be mailed to me. 

These credit card companies are deliberately giving wrong information to not return my money and they are knowledgeable about how to deceive and misuse members money thats owed to the members. Such deception and lies. These businesses are hurting and destroying my life because I can not afford to waste any money especially being on a fixed income. Please help!

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
For three months at the end of 2025, I requested that Target remove a fraudulent charge from my XXXX card account. Every time I called, they assured me they were working on the problem and would fix it and every month they did not. Then it went to collections and affected my credit score and I vehemently called them and they sent me a letter in the mail saying that the charge was fraudulent and finally removed it. This was an original charge for slightly over {$11.00}. The charge was taken off of my Target XXXX and I have disputed this with the three credit bureaus including the letter from Target saying that it was a fraudulent charge and now XXXX is saying that they are keeping the charge on my report, which to me says that Target is failing to report this to the bureaus as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: NJ

Complaint narrative:
XXXX. I immediately reported the activity and submitted a police report to support my claim that I did not authorize or benefit from these transactions. Revolut denied the dispute stating that the account matched prior transaction patterns, but they did not provide clear proof of authorization or explain how liability was determined. 

After the denial, I formally requested an appeal and reinvestigation and provided additional documentation, including a police report, yet Revolut refused to reconsider or conduct a new review. I believe the investigation was incomplete and did not properly consider my fraud claim or supporting evidence. I am requesting that Revolut conduct a full and fair reinvestigation, explain how authorization was verified, and comply with consumer protection requirements regarding unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CITIBANK, N.A.
State: IL

Complaint narrative:
Hired a moving company, and brought what I was told was insurance by said company for damage of goods ( if ) damaged during move. Move completed but goods damaged. Paid company in full for bill an said insurance. Filed claim as told, was told that they arent insurance company any proceeded to not provide me adequate restitution after several attempts to comply. Filed dispute with my credit card company was denied after investigation and with trying to follow-up havent been able to resolve problem with what I subsequently asked for 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 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Its a Bank Of America Visa Debit. I realized there was a seemingly a hidden fee because of a change on my available credit. This is a card that I have rarely used recently in like that last 6 months or so. When I realized there was a huge fee not being shown on my app, statement, or transactions from my view I called BOA customer service. They said I want over my limit two months. I then asked why would the app never show me that or why was I never alerted? I also told them every time I went on to the app it was showing available credit which makes this all a little suspicious and I check the app pretty frequently. They said they could not explain thing over the phone fully in so many words and said they had or would send a letter. Regardless it does not seem transparent at the very least.

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 2026-02-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Starting from XXXX XXXX XXXX to XXXX XXXX XXXX there were transactions on my account that totaled in the amount of {$4400.00}. I was checking my account on XXXX XXXX and noticed a transaction that I did not authorize. I contacted the bank and put a stop to the transactions and filed a fraud report. I was given a temporary credit. At this point I was informed that these transactions took place through a virtual card. I am not aware of even having a virtual card. I received a letter from the bank stating that they would be taking the money back out of my account on XXXX XXXX  due to the merchant stating that I authorized the transactions. I asked what proof they had that I authorized these transactions and at that point the customer service representative requested a new investigation. I received a second letter from the bank with the same information stating that the merchant stated that I authorized the transactions. At that point I withdrew my money and am now in the negative for the {$4400.00} amount. I have filed a report with my local law enforcement agency as well as the FBI 's online crime reporting website.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
Ally Financial XXXX. XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I am writing regarding the above-referenced account. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt. I dispute this account in its entirety and request that you provide proper documentation to substantiate your claim.

Please provide the following : 1. The name and address of the original creditor.

2. The original account number associated with the alleged debt.

3. A complete itemization of the amount claimed, including principal, interest, fees, and any additional charges.

4. A copy of the original contract or agreement bearing my signature.

5. Documentation showing your legal authority to collect this debt, including proof of assignment or ownership.

6. Proof that this debt is within the applicable statute of limitations.

Until you provide the requested validation, you must cease all collection activities, including reporting this account to any credit reporting agency. 

If you are unable to validate this debt, you must immediately delete any reference to this account from my credit file and cease all collection efforts. 

This is not a refusal to pay but a notice that your claim is disputed. I request that all future communications be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation