vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I signed up with XXXXXX/XX/XXXXin XXXX. XXXX automatic payment plan after opening the account. What started off as a balance of around {$4000.00} has reached {$4600.00} after two years of payment in XX/XX/XXXX. They started charging crazy high interest rates starting XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PR

Complaint narrative:
I called the company to request a notarized release of lien. First they bsaid it would take 2-3 days. I insisted as the loan was paid in full in 2022. They said they would send it in XXXX hours by email. I never received the release. I am going to court about a buyer of the vehicle who defaulted on payment. This company is placing my case in jeopady.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RESOURCE MANA # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I do not owe XXXX any money I changed insurance companies

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This is a non-duplicate complaint. 1. Nature of the Complaint I am filing this complaint regarding the egregious and evasive customer service practices of Wells Fargo Bank, N.A., specifically its Executive Complaints Management Office ( ECMO ). Wells Fargo is actively utilizing administrative stalling tactics, including refusing to respond to phone inquiries from the XXXX XXXX XXXX XXXX XXXX ) and issuing contradictory, multi-month delay letters, to avoid addressing a documented {$5900.00} accounting software failure on my account ( ending in XXXX, formerly XXXX ). 2. Refusal to Communicate with the XXXX In an attempt to resolve this {$5900.00} " phantom debit '' without further litigation, I escalated the matter to the XXXX XXXX XXXX. Despite the XXXX 's direct phone calls and inquiries to Wells Fargo regarding this severe accounting discrepancy, Wells Fargo has completely failed to provide a substantive response or engage with the XXXX 's mediation efforts. Ignoring a recognized consumer advocacy group demonstrates a complete breakdown in Wells Fargo 's customer service obligations. XXXX. Contradictory and Evasive Communications Wells Fargo 's ECMO is operating in demonstrable bad faith to stall resolution : Serial Extensions : On XX/XX/year>, the ECMO mailed me a letter stating they need until XX/XX/year>, to " research '' my concerns. Portal Manipulation : Concurrently, Wells Fargo manipulated the CFPB portal by marking my previous, highly detailed complaints ( with certified third-party XXXX XXXX XXXX ACH evidence ) as " duplicates '' and auto-closing them within XXXX hours to avoid substantive review. Rubber-Stamping False Data : While telling me they need until XXXX to investigate, they simultaneously verified mathematically impossible balances ( now {$12000.00} ) to XXXX on XX/XX/year>. 4. The Underlying Context Wells Fargo 's customer service department is actively stonewalling to suppress evidence of an internal " double-return '' ACH glitch. Because of their refusal to provide competent customer service or answer the BBB, I have been forced to initiate a formal arbitration proceeding ( AAA Case No. XXXX ), where Wells Fargo is now represented by outside counsel ( XXXX 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 non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing several late payment entries and collection/charge-off accounts currently being reported on my TransUnion credit report because I have serious concerns about their accuracy, completeness, and proper verification. The late payments in question include XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX. In addition, the collection and charge-off accounts include XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX and XXXX XXXX. After carefully reviewing my financial records, I am unable to verify that these accounts and late payments are being reported with full accuracy. I have not been provided with supporting documentation such as signed agreements, complete payment histories, or proof of lawful transfer/assignment of these debts. What is particularly concerning is the pattern of repeated reporting from certain debt buyers, especially XXXX XXXX, which raises the possibility of duplicate reporting, improper resale of the same debt, or incomplete record-keeping. Additionally, the presence of both late payments and collections across multiple furnishers that I can not fully validate leads me to believe that my personal information may have been compromised or misused, potentially due to a data breach or unauthorized data sharing. This could explain why accounts and negative entries are appearing that do not align with my own records or recollection. Under 15 U.S.C. 1681i ( a ), I am entitled to a reasonable reinvestigation of disputed items. Under 15 U.S.C. 1681e ( b ), TransUnion must ensure maximum possible accuracy of the information it reports. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a thorough and good-faith investigation when disputes are submitted. The continued reporting of these items without providing meaningful verification raises serious concerns about compliance with these legal obligations.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
They are trying to say they have XXXX business days to issue me a temporary provisional credit but thats not true.by law they have XXXX business days because my account is over XXXX days old.its not a new account. Please help me. Ive called them multiple times and multiples times a day and ask for a supervisor and got hung up on every single time. Even by a supervisor themselves. Please help me.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I am filing a complaint regarding a debt collector that has reported a collection account on my credit report without ever notifying me or giving me the opportunity to dispute the debt. I recently discovered this collection account on my credit report, but I never received any written notice, phone call, or communication from the debt collector regarding this alleged debt. Because I was never properly notified, I was denied my right to dispute or request validation of the debt before it was reported to the credit bureaus. Under the Fair Debt Collection Practices Act, consumers are supposed to receive written notice of a debt and be given the opportunity to dispute it within XXXX days. In this situation, no such notice was provided to me before the account was placed on my credit report. I am requesting that this matter be investigated and that the collection account be removed from my credit report unless the debt collector can provide proof that they properly notified me and provided the required validation notice. This situation has negatively affected my credit report and I am requesting a prompt 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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I was billed XXXX by XXXX XXXX in XXXXXXXX XXXX XXXX, XXXX, and I notified the credit card company that the charge was not mine. I was temporarily credited for the charge on XX/XX/XXXX, and I thought it was all set, but it was charged back to my account on XX/XX/XXXX. I have benen on the line sevreal times with customer servoce and their dispute department trying to get this resolved. I was told that because the card token was the same, I was responsible for the charge ; if I didn't agree, I could then dispute it, and I immediately did so. After the appeal, I was told that the decision stood and that I was responsible for the charge. I informed the representative that I would like to speak to a supervisor and was told one would call me back, but that never happened. I have been calling constantly to get this resolved and have been told that the only option is an appeal, which I have already done twice. I have now been charged a late fee and was told that because the account is closed, it can't be removed, and I am responsible for the balance on the account even though I made them aware that it is not mine.SOFI is supposed to have XXXX fraud liability coverage, but they will not help me resolve this. am not paying for a charge that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: CITIBANK, N.A.
State: MD

Complaint narrative:
Here is the body of my email to Citicards on XXXX : Dear Citi Customer Service and Thank You Points, This offer to use Thank-you Points ( TYPs ) to " Shop with Points '' on XXXX requires the card holder to redeem the points at a rate of XXXX TYPs per {$1.00} of purchase price. I learned this just now in a telephone conversation with your agent, XXXX. If I were to enter into this offer, it would be a DEVALUATION of my TYPs from their value if used for a statement credit. I already use my Citi Double Cash Rewards ( CDCR ) credit card to make purchases on XXXX. When I accumulate TYPs I redeem them with Citi for a statement credit at a rate of XXXX TYPs for {$1.00} of statement credit. So the rate of rewards if using Shop with Points is lower than the rate if electing a statement credit. It would not be smart, from a financial standpoint, to use TYPs to " Shop with Points '' instead of electing a statement credit. I will not enroll in Shop with Points nor will I link my TYP membership with any merchant, like XXXX. I will continue to use my CDCR credit card to make purchases with merchants, including XXXX, but I will only redeem TYPs for the statement credit, whereby I will continue to get the benefit of double cash rewards. I find this email about the offer confusing and deceptive because the lower reward rate for Shop with Points at XXXX is not disclosed in the email. Instead, I had to have a long telephone call with your agent to figure it out. The offer, once understood, is a bad deal. No CDCR cardholder would benefit by accepting it. I've been a cardholder for maybe XXXX years because I like the double cash rewards. If, on the other hand, the reward rate for Shop with Points at XXXX was BETTER than the statement credit ( double cash ) rate, I, or other cardholders, might consider using it. For example, if one could use XXXX or XXXX TYPs to get {$1.00} off an XXXX purchase. I would appreciate a reply.

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was trying to buy things on line. Incident 1 : On XXXX I was provided the Chime name XXXX XXXXXXXX and told to send {$140.00} on XX/XX/year>, which I sent. The XXXX name is @ XXXX. In typical scam fashion, they then requested more money for the item today, which I assume never existed in the first place. I believe " XXXX XXXX '' either doesn't exist or is a money mule. Incident 2 : On XXXX, I was told the XXXX incident was a scam and that they actually could send me what I needed. I was provided the Chime name XXXX XXXX and XXXX to send {$130.00} on XX/XX/year>, which I sent. The XXXX name is XXXX XXXX. I believe XXXX XXXX does exist and is a money mule. I requested my money back from both accounts on Chime, I contacted Chime about the accounts, and I am reporting to you. I know I won't get my money back but I hope these people stop scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When I opened my credit card account approximately XXXX months ago ( XX/XX/XXXX ), I submitted my bank account information for autopay enrollment. The banks system rejected my banking information stating " Incorrect billing account number ''. I re-submitted the EXACT same banking information a second time, and the system accepted it. As a result of the banks system error, I was charged XXXX fees of {$39.00} each ( {$78.00} total ). On XX/XX/XXXX, I contacted the bank by phone to request a fee reversal and validation of these charges. The supervisor representative XXXX ( no last name provided ) was unable to explain why the fees were valid or justify that the system failure was my fault. They refused to issue any credit. I am requesting a full refund of {$78.00} in fees that resulted from the banks own technical failure. Last XXXX of account number : XXXX See attached letter for reference number issued by BMO Bank confirming the autopay enrollment rejection.

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
Credit Report Dispute Inaccurate Collection Account To Whom It May Concern, I am formally disputing the accuracy of a collection account currently appearing on my credit report associated with National Credit Systems , Inc. ( Account # XXXX ). The information reported contains multiple inconsistencies and can not be properly verified. 1. I received XXXX separate documents labeled " FINAL STATEMENT '' for the same account with different balances. XXXX statement shows a balance of {$1800.00} ( XXXXXXXX ), and another issued XXXX days later shows {$2800.00} ( XXXX ). Both statements include different inspection photos, demonstrating that the alleged final balance is unclear and inconsistent. 2. The charges listed, including cleaning, trash removal, and damages, appear to be duplicated or improperly itemized. 3. The co-tenant attempted to assign all responsibility to me through a written statement ; however, this document is unsigned by me and is not legally binding ( XXXX ). 4. When the lease was executed, I did not have a Social Security Number ( SSN ) or ITIN. Only my full name and date of birth were provided, meaning there is no valid U.S. identification linking me to this account. 5. On XX/XX/XXXX, I sent a written debt validation request to the collection agency via certified mail, which was received on XX/XX/XXXX ( XXXXXXXXpdf & XXXX ). As of today, I have not received any response or documentation verifying the alleged debt. 6. The collection agencys portal now shows an itemization of charges ( XXXX ). This itemization shows {$0.00} for all standard charges such as rent, late fees, utilities, and lease termination. The only charge listed as Other totals {$1200.00} ( cancellation fee ), while the remaining amounts appear in a separate section labeled Additional Charges, including rebills for water, gas, sewer, cleaning, damages, trash out, and key charges. The total reported balance of {$2800.00} does not match any documented breakdown in the itemization, demonstrating that the alleged debt is not properly substantiated and lacks valid verification. Due to these multiple inconsistencies, lack of verification, and absence of valid identifying documentation, I respectfully request that this account be investigated and removed from my credit report if it can not be properly verified. Attached are the supporting documents for your review : 1. Dispute Letter Yr Rodriguez Moreno 2. Notice to Send to Collections ( {$1800.00} ) 3. Final Statement {$1800.00} ( XX/XX/XXXX ) 4. Final Statement {$2800.00} ( XX/XX/XXXX ) 5. Unsigned Responsibility Statement from Co-Tenant 6. Debt Validation Request ( XX/XX/XXXX ) XXXX. Certified Mail Return Receipt XXXX. Itemization from collector portal Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Cash app closed me account for me to have a card but said I can still send and receive money on there app saying I had a violation and I don't use my account for illegal activities. They wouldn't tell me how I violated let me buy a new card since my old card expired and then closed my card. So they stole the money I paid for my new card. I need answers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> my XXXX account was hacked and they were able to gain access to the card on file for paying the bill, they switched XXXX card, changed and username and password at XXXX XXXX XXXX transferred {$2900.00} to my checking account and opened a Chime account. My complaint is surrounding g Chimes unwillingness to assist me in returning these stolen funds {$1900.00}. Upon calling them XXXX they would not transfer me to speak to a supervisor or provide the name of the Customer service agent I was speaking to. They are not even willing to assist me in recouping my stolen funds. I closed the fraudulent account but they wont tell if there is more than XXXX card associated to the account, they have given me no information to aid me in resolving this matter. Im a Senior Citizen and Im on a fixed income, I need this money returned. Thank you

Company response to consumer: Closed with explanation