vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/2026, my landlord sent me a {$3000.00} Zelle payment using my phone number as the recipient identifier. My phone number has been enrolled with Zelle through my XXXX XXXX XXXXXXXX checking account ( ending in XXXX ) and was active at the time of the transfer. Reference XXXX or Zelle transaction number : XXXX The {$3000.00} never arrived in my XXXX XXXX XXXXXXXX account. On XX/XX/2026, XXXX ( my landlord 's bank ) provided my landlord written confirmation ( Claim number : XXXX, Date of inquiry : XX/XX/2026 ) that the transfer had successfully been deposited into a bank account ending in XXXX, associated with Zelle XXXX XXXX XXXX, '' and that no adjustment would be made. I do not own and have never owned any bank account ending in XXXX, and my XXXX XXXX XXXX representative confirmed my account has no Zelle tag associated with it. I contacted XXXX XXXX XXXXXXXX directly they confirmed no Zelle transaction was received on XX/XX/2026. I also contacted XXXX XXXX, the only other bank I have ever held an account with. Neither bank has any account of mine ending in XXXX, and my phone number was never registered with Zelle through XXXX XXXX. The payment was sent to my phone number but was routed by Zelle to an unrelated account identified by a different token entirely ( " XXXX XXXX' ending in XXXX ). Zelle routed a payment sent to my phone number to an entirely different account identified by the token 'XXXX XXXX ' ending in XXXX an account with no connection to me. The payment identifier used by the sender ( my phone number ) did not match the receiving account 's identifier, indicating a routing failure within Zelle 's network. I am at a {$3000.00} loss and am requesting a full investigation into why Zelle routed a payment to an account that does not correspond to the registered recipient 's phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
In early XX/XX/year>, I reviewed my credit report as part of the process of applying for a mortgage. My goal was to resolve any outstanding collections. I noticed that both XXXX XXXX XXXX listed XXXX XXXX XXXX as the agency, showing a balance of {$550.00}. I contacted the agency and spoke with a representative, expressing my intent to pay off the balance. The representative requested a {$1.00} fee to access my credit report and offered to dispute the collection. I reiterated that I simply wanted to pay the outstanding amount and have it removed from my report. Despite my insistence, the representative maintained that the collection would remain unless I paid the fee and stated they could not accept payment for the balance directly and could not give me any phone number to call. After a prolonged discussion, it became clear that the representative was unable to resolve the matter and was selling a service rather than resolving the collection. I am concerned that this situation resembles a scam, as my husband had a similar experience with this company and had no resolution.

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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: LA

Complaint narrative:
Subject : Formal Complaint Improper Credit Line Reduction, Lack of Notice, and Resulting Account Harm I am filing a formal complaint regarding the handling of my revolving credit account by Upgrade Inc . I was approved for a credit line of {$9000.00} and used the account in good faith. All transactions on this account were authorized and approved by Upgrade at the time they were made. I have made the payments required on time and have maintained the account responsibly. Without prior notice, my credit limit was abruptly reduced from {$9000.00} to {$500.00}. At the time of this reduction, my outstanding balance was approximately {$85000.00}. This unilateral action immediately placed my account in an over-limit status by more than {$8000.00}. Upgrade has stated that this action was based on a XXXX credit review. However, I was not provided with any written adverse action notice explaining the specific reason for this decision, nor was I informed of my rights under the Fair Credit Reporting Act. This lack of required notice and transparency is a serious concern and contributed directly to the harm caused by this action. This situation was created entirely by Upgrades internal decision-making, not by any action or misuse on my part. Additionally, I was not provided with clear, timely notice explaining : The reason for this drastic reduction The effective date of the change The impact this would have on my account status Upgrade approved all transactions under the original credit limit and then retroactively reduced that limit, creating an artificial over-limit condition. This raises serious concerns regarding fairness, transparency, and compliance with consumer protection standards. I am disputing the manner in which this account has been handled and request the following : 1. A full written explanation of the reason for the credit line reduction 2. Confirmation that no negative credit reporting has occurred or will occur as a result of this action 3. Removal of any over-limit status, fees, or penalties resulting from this lender-initiated change 4. A review and correction of my account to reflect fair and accurate treatment based on the originally approved credit line and my payment history I have acted in good faith at all times, relied on the credit line that was extended and approved, and should not be penalized for actions taken solely by the lender. This complaint is being filed to ensure proper review of this matter and to prevent further harm to my credit and financial standing. I request a prompt and complete response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Once again, I filing a complaint against Wells Fargo for continuing to send me junk mail regarding their products after I have demanded them to remove my information from their system permanently. I receive marketing materials approximately every other week, see attached proof. While I understand that CFPB can not provide legal advice, my next step is to have a cease and desist letter sent to Wells Fargo via certified mail, with a signed returned receipt request. Please post this complaint so that others can be aware of what a nuisance Wells Fargo can be when a previous customer that cancels the card in good standing tries to rid themselves of them. 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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
My account with Chime was closed approximately XXXX month ago after I reported a potential fraudulent credit account that I did not open. Since then, Chime has denied me access to my funds and stated they can not return my balance or issue a check. I am requesting immediate access to my remaining funds and a clear explanation of how my balance will be returned. This situation is causing financial harm, and I believe Chime is unlawfully withholding my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: A & O Recovery Solutions, LLC
State: MD

Complaint narrative:
This is XXXX XXXX and XXXX XXXX XXXX credit Report shows a bad report affecting our loan. CCI never contacted us via email, US mail nor calls. They are charging for 2 Electric missed payments, which is false this is verified with Electric company. They have not updating information to the 3 credit Bureaus after we were forced to pay {$170.00} for this fraudulent claim. Please, please help we need to get approval for a loan. Cell # XXXX Thank you very much, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am filing a complaint against XXXX XXXX for XXXX XXXX XXXX and failure to properly service my loan account. PNC Bank reported a late payment to all three credit bureaus related to a {$19.00} principal balance and additional disputed fees ( approximately {$260.00} ). This reporting is inaccurate because I made repeated, documented attempts to resolve the account and make payment, but was unable to do so due to PNC Banks failure to provide accurate account information or process payments. My wife initially contacted PNC multiple times and was told she would receive a call back with clarification of the balance. No call back was received. I personally contacted PNC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each call lasted between XXXX and XXXX minutes. During these calls : I was given different payoff amounts each time Representatives were unable to process my payment and could not explain why I was repeatedly told the issue would be investigated and that I would receive a call back On XX/XX/XXXX, I went to a branch and paid the principal balance in an effort to bring the account current. On XX/XX/XXXX, I was told the remaining balance was {$0.00} and would be waived. On XX/XX/XXXX, I was told the balance was {$0.00}, which would also be waived, and I was explicitly told the account had a XXXX balance. On XX/XX/XXXX, I received a call stating there was still an outstanding balance. On XX/XX/XXXX, I went to a branch to obtain a payoff letter and was initially told there was a XXXX balance. Only after insisting did staff identify a balance of {$280.00}. Despite my consistent efforts to resolve the account and make payment, PNC Bank reported a late payment, which has negatively impacted my credit. This situation was caused entirely by PNC Banks failure to : Provide accurate and consistent account balances Process payments when attempted Provide timely follow-up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Validation of Debt Request - RADIUSGLOBAL - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-17 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: SC

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute certain accounts that have been reported on my credit file, specifically those that have been placed in collections. I have reason to believe that these accounts are the result of fraud and do not belong to me. The account ( s ) in question include : XXXX XXXX XXXX XXXX ( Original Creditor : Comenity Capital Bank ) Balance : {$1100.00} XXXX XXXX ( Auto Account ) - Balance {$21000.00} XXXX XXXX ( Utility XXXX ) {$160.00} Any Hard Inquiries I want to make it clear that I did not open, authorize, or benefit from these accounts. Therefore, I dispute the validity and ownership of these debts. Under the Fair Credit Reporting Act ( FCRA ), I am requesting the following : A full investigation into these accounts Verification of the original signed contract or application bearing my signature Documentation proving that I authorized these accounts Immediate removal of these accounts from my credit report if proper verification can not be provided Additionally, please be advised that reporting unverified or fraudulent information is a violation of federal law. If these accounts can not be validated, they must be deleted from my credit file immediately. I also request that you provide me with written confirmation of your investigation results. If necessary, I am prepared to submit a police report and identity theft affidavit to support my claim. Please respond to this matter within the timeframe required by law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: GA

Complaint narrative:
Validation of Debt Request - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Validation of Debt Request - PORTFOLIO - CREDI - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX XXXX : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HYUNDAI CAPITAL AMERICA
State: RI

Complaint narrative:
I had a Hyundai XXXX Lease. I was in an accident where the car was considered a total loss. XXXX paid the lease off and I was told that I was no longer responsible for the Hyundai. I called Hyundai and a customer representaitve told me the same thing. A week later i call Hyundai and they tell em that I owe XXXX and that its XXXX days late. I never received any notification or this in that XXXX days. Not only that I was told by a Hyundai representative that I owed nothing.. but now I owe this money? I was on a XXXX way call with my progressive agent and Hyundai today and Hyundai said I could not make a payment plan and I am 100 % responsible to pay this balance. They failed to give me correct information, XXXX customer rep told me I owed nothing and the next week another rep tells me I do. They failed to provide me documentation or any time to make a 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 2026-03-17 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: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citibank cancelled my credit card based on outdated credit report information. When I contacted Citi through live chat on XX/XX/year> to request an explanation and resolve the issue, I was told that nothing could be done because of privacy concerns. The information provided was vague, unclear, and did not meaningfully explain the reason for the cancellation. The information Citi relied on appears to be outdated and does not accurately reflect my current credit profile. I have been actively working to improve my credit, and this account closure may negatively affect my credit score by reducing my available credit. I did not violate the cardholder agreement, and Citi has not provided a clear or valid reason for taking this action. I am requesting a clear written explanation for the cancellation, identification of the specific information relied upon, and a review of this decision using accurate and current credit information. If the cancellation was based on outdated or incorrect information, I request that Citi reconsider the decision and take appropriate corrective 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