vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ARS National Services, Inc.
State: MD

Complaint narrative:
I applied for a XXXX XXXX credit card maybe late XXXX or early XXXX because I wanted to purchase a refrigerator. As soon as I was approved for the credit card the credit card was added to my online account along with my bank card that had been stored on my XXXX XXXX account for years. I searched online for a refrigerator and even went to the outlet at the time in XXXX but never purchased a refrigerator. During my searches online I saw a toaster oven and a computer both items were open box items. One available at XXXX XXXX location ( laptop ) the other available in XXXX ( toaster oven ). I purchased both on XXXX with my bank card based on my XXXX bank history. I did not want to use credit unless I was making a large purchase. I received a statement from XXXX XXXX sometime in XXXX of XXXX I believe with a charge, and I immediately called XXXX XXXX and tried to log into my online account which I had used for over XXXX and could not get onto my account. I reported it to the Fraud department and they initially removed it ; I also tried to work with IT for several calls over a period of time to log into the account. I advised them that a 2-step authentication had been added to my account with a phone number of XXXX and that it was a google number XXXX Eventually my account had to be closed as I could not access my online account, and I advised them that my information had been compromised through their system. I begin to receive delinquent calls and was then told that they denied my fraud claim ; the representative on the call said it was me that went into the store and picked up an iphone because the information matched my account. I advised that everything matched as far as number and email, but the newly added number was not mine and I could not access my own account. I requested information to appeal, and she gave me a fax number. I faxed over a request for them to pull the camera because it was not me that picked up anything other than my computer at owing 's mills as well as my oven in XXXX. I told them that I wanted the information so that I could press charges on whomever used my account and I never heard back from their fraud department. They just kept saying I was responsible for the purchase, and I refused to pay for it. Now I have received a collection letter about this purchase, and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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 2026-02-25 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I was the victim of an impersonation scam involving Wells Fargo. An individual contacted me falsely claiming to be from Wells Fargos fraud department and stated there were fraudulent transactions on my account. I was instructed to transfer funds to secure my account. Believing I was protecting my account, I authorized a {$400.00} transfer and entered a verification code. I realized shortly afterward that this was a scam and immediately reported it to Wells Fargo. A claim was filed the same day. However, the claim was denied on the basis that the transaction appeared authorized, noting that the card was in my possession and the activity originated from my usual device and IP address. While I understand the transaction was authenticated, it was induced through deception and impersonation of the bank. I did not knowingly intend to send funds to a third party for legitimate purposes. The authorization was obtained under false representation. I am requesting reconsideration of this claim under impersonation fraud and a detailed explanation of Wells Fargos decision given the circumstances.

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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I had an old XXXX account of that had {$75.00} stuck in it so I tried to get into that account and use my current phone number to access my old account which locked me out of my new account. Then I had to wait 4-7 business days for the {$75.00} to be transferred before I could delete that account with the current phone number now attached to it. I cant get into my current account which has {$19.00} or something like that currently in it. it was told to me by customer support that this issue is being transferred for further review with an unknown time as to when this could be resolved. ( I also never received an email after that was told to me ) I am completely frustrated as to no resolution every time they send me an email to update my information the link has a bug that when I click the update password button absolutely Nothing happens. frustrated beyond belief, and XXXX/paypal seems very unwilling to work with me. I just want my money and to close all accounts with XXXXPAYPAL at this point

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One will not accept my payment. Just to charge more interest. They have told me they would take the payment for weeks. Still not pulling my payment as of XX/XX/year>. This has been going on for 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Choice Recovery, Inc.
State: NE

Complaint narrative:
Wednesday XX/XX/XXXX at XXXX CST Representative XXXX from professional choice recovery in XXXX XXXX Nebraska at XXXX XXXX XXXX XXXX Unit XXXX. I called to discuss my account balance and possible settlement options and to better understand the numbers on my account. During the call, the representative told me my balance was {$14000.00} and that it had been reduced to {$10000.00}. I explained that my understanding was that my original balance was {$10000.00} and that the amount referenced appeared to only remove interest. I was trying to ask questions and understand how the balance was calculated. During this conversation, while I was in the middle of asking questions and trying to understand the explanation, the representative became unprofessional and began speaking in an angry and confrontational tone. Instead of calmly explaining the account details, he yelled statements such as your math is not mathing. While I was speaking, the representative repeatedly yelled no, no, no, no, no over me and raised his voice. He continued talking over me while I was trying to ask questions, which prevented me from having a normal conversation about my account or understanding the information being provided. I then asked to speak with another representative associated with my account ( XXXX ). The representative refused to transfer me and stated that the other person would tell me the same thing. I was not allowed to speak with another representative. This call was unprofessional and the representative was speaking over me and yelling during the interaction. I am requesting that the recording of this call be reviewed and that my account be reassigned to a different representative. I also request written clarification of my balance and any available settlement options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Management Services, LP
State: NJ

Complaint narrative:
I opened a XXXX XXXX XXXX in store and never got any statements-turns out they put me on a paperless without telling me. Five months later, Capital Management Services sent a collection letter. I called them and requested full written validation : original agreement, charges, proof they own it, everything. They said okay, but it'll take up to 30 days. Meanwhile, they're adding late fees and interest every day. Their supervisor XXXX XXXX said they can't stop the charges because XXXX owns the account, but I'm getting hit for their delay. I want the fees frozen, validation sent faster ( not 30 days ), and this resolved without hurting my credit more.

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 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MA

Complaint narrative:
I was sent a letter by XXXX as a third party debt collector for Jefferson Capital Systems LLC. They have previously tried to collect a unethical debt and was disputed successfully. Now they are trying to use another 3rd party to collect a debt that was not only the wrong amount, but also charged off by the original creditor XXXX XXXX XXXX. They are trying to say I owe in the amount of {$15000.00} even thought the debt was charged off with a balance of {$8000.00}. The vehicle was sold for the amount of {$15000.00}. I do not owe that amount and it was also charged off. Now there are third party collectors trying to send me letters that the wrong amount is owed. Their debt collection tactics are unethical and will find any way possible to scheme individuals thinking that they owe a debt no longer owed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-02-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I continue to get e mails, texts and bills in the mail as well as early morning phone calls at XXXX XXXX from Jefferson Capitol Systems a collection agency for a previous account I had with XXXX.I continually get bills in the amount of {$370.00} for service.First off I called and cancelled this service and it was paid up to date at that time.Secondly this company like everyone else will cancel your service if the bill is not payed so essentially this collection agency is stating that XXXX kept my service up and running for approximately 6 months without a payment.Lastly i have requested proof of the billing statement of this bill is for I have yet to receive a detailed bill regarding this.This has been ongoing issue including early phone call for approximately 3 years now.Regarding reference # XXXXAny help regarding this situation would be greatly appreciated.I am senior citizen and veteran that lives on a limited budget.And to constantly have to deal with an issue that I should not have to is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I have requested multiple times from Freedom Mortgage company why they are not paying my land taxes even though they are included in my mortgage monthly payments. now my land taxes are behind because they are collecting the money but not payment my tax payments.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a debit card dispute on XX/XX/year> for services not rendered ( Truist Bank ). The merchant retained my work vehicle and I required a court order to retrieve it. I have received no written determination or resolution after more than 90 days from truist. I am requesting the bank provide a final determination and explanation for the delay.

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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX, I used my CareCredit Rewards XXXX issued by Synchrony Bank to purchase prepaid services from XXXX XXXX XXXX in the amount of {$3000.00}. The services included : 6 CoolSculpting sessions The services were fully prepaid and were expressly represented as having no expiration date. The merchants policy states that prepaid sessions never expire. I intentionally saved the six sessions for later use due to XXXX and related timing considerations. At no time was I informed that delaying use would affect my ability to redeem the services. In XX/XX/XXXX, when I attempted to schedule my remaining sessions, I discovered that XXXX XXXX XXXX had closed. The business phone number was disconnected. On XX/XX/XXXX, I contacted the owner directly. She confirmed in writing that : The business is closed The CoolSculpting device is no longer available Services can not currently be provided No refund has been issued On XX/XX/XXXX, I filed a billing dispute with Synchrony Bank for services not rendered. Synchrony denied the dispute stating that they had received no proof that a credit is due. I then submitted : A merchant letter on letterhead confirming closure and unused services Written confirmation of closure My written statement explaining that the services remain unused and unavailable On XX/XX/XXXX, Synchrony denied the dispute again using the same explanation and did not identify what documentation was insufficient or provide the XXXX dispute reason code used. As of today, the services remain unused and unavailable. No refund has been issued. I am requesting proper review and enforcement of XXXX protections for services not rendered / merchant out of business.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I looked at my Wells fargo account as I do usually once a week. I found thousands of dollars that had been transferred from my checking and savings account into my credit card account and then an electronic balance transfer was done to " somewhere '' There were XXXX transfers already completed with a XXXX pending. I contacted XXXX immediately and it appears they were able to stop the transaction from XX/XX/XXXX. The activity was done on XXXX XX/XX/XXXX. in the amount of about {$48000.00}. Since the last transfer was somehow stopped, the loss was over {$36000.00}. I have been in contact with Wells Fargo checking and savings fraud dept and also the Wells Fargo credit card fraud department since the onset. It has been a nightmare for me. You talk to a different person every time you call and not all of them have a clue as to how to let you know what is happening. I feel this was an account takeover. I am the only person who has access to my accounts. I did not give any info to a scam XXXX. There was a data breach leak of over a XXXX usernames and passwords that affected XXXX and XXXX of which I use all of the time. I did get some info from the checking and savings fraud dept and it shows log in info and IP addresses of XX/XX/XXXX in XXXX. ( I live in XXXX ) XX/XX/XXXX XXXX, XXXX XXXX, date of first fraud, XX/XX/XXXX XXXX 2nd day of fraud, XX/XX/XXXX XXXX, XX/XX/XXXX in XXXX ( this one was reversed because of my contacting Wells Fargo immediately. ) Much of the rest of the material does not make sense to me as I am not a XXXX. I worked at Wells Fargo Financial for 20 years and have been a customer of XXXX for 46 years. Why would I steal from myself? Initially, the credit card fraud dept approved my claim and was to issue me a check for {$36000.00}. ( close estimate ). by XX/XX/XXXX. Then I received notice they had to do more research and extended it to XX/XX/XXXX, and then it was extended again to XX/XX/XXXX. I kept being told it was approved until it wasn't. Yesterday, XX/XX/XXXX I received a letter that my claim was being denied. Shocked? I guess not totally. I have no choice now but to report it to the police and contact all consumer protection agencies. In my research, I found that Wells Fargo is known for doing this to many customers who have had fraud on their account. Is there any protection for me under the Electronic Fund Transfer Act. I notified XXXX immediately of the fraud. I have asked for all research from the Wells Fargo Credit Card fraud dept. of which I have not yet received. The claim number is 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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: SC

Complaint narrative:
IQ DATA INT is falsely reporting on my credit. I have never had any accounts with them. Per my research IQ DATA INT 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 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: UPGRADE, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding credit reporting by XXXX XXXX XXXX ( bank partner : XXXX XXXX ) related to a previously paid and closed installment loan. The account was opened in XX/XX/XXXX for a small balance and was paid and closed in XX/XX/XXXX. A single XXXX late payment was reported in XX/XX/XXXX. The reporting was accurate at the time and is not being disputed. The late payment was isolated, unintentional, and occurred during a brief period of transition. The account has since been fully paid and closed, and there are no collections or charge-offs associated with it. I am requesting that Uplift review this matter and consider a one-time goodwill adjustment to remove the late payment notation as a courtesy, given the small balance involved, the resolution of the account, and my overall credit history. I am seeking review by Uplifts credit reporting or compliance team.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: DC

Complaint narrative:
I am filing a complaint against Wells Fargo for cancelling my debit card and restricting access to my funds after I filed a billing dispute. The bank denied my claim dispute and deactivated my debit card. The bank also refused to issue a replacement card. As a result, I am unable to access my money. I am requesting the immediate reactivation or replacement of my debit card and full access to my funds. Supporting documents are attached.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
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