vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I woke up on the morning of XX/XX/year> and saw 18 transactions on my bank account from a place called XXXX in XXXX, Texas ( I have never lived in Texas, I live in Florida ) The transactions were pending and they were approximately {$1400.00} each. I immediately called wells fargo customer service. Wells fargo canceled my card and opened a claim to have these transactions investigated as fraud. 16 out of the 18 transactions were returned to my account and the transactions cancelled, but two transactions remained pending. The next day, XX/XX/XXXX, the two transactions were posted and no longer pending. I called Wells Fargo again, and they said to wait while they investigated. On XX/XX/year>, I was informed by the bank that the claim was closed and they could not confirm that the last two transactions were fraudulent. A total of {$2900.00} was not returned to my account. I did my own investigation and found that the thief opened an account on this XXXX website with my email and a phone number that does not belong to me. I also found that to open an account with this website you dont need anything other than just an email and they also do not send any verification emails to open an account. The suspect opened an account with my email, had my bank account information, and withdrew from my bank account using this XXXX financial services company. I called XXXX and they also opend a claim but said there was nothing they could do since the account had already been closed by the suspect. I filed a police report XX/XX/XXXX, called Wells Fargo again to ask for a reopening of my fraud claim and give them the police report, but they said no and that they had done a thorough investigation and found no fraud. If they had done a " thorough '' investigation, they would have seen that to open an account with XXXX an individual only needs an email address, and no emails are sent for verification. I find this disturbing being that to create any online account there should be at least an email verification sent. XXXX makes it easy to commit fraud and Wells Fargo does not want to deal with it. I have children and bills to pay, I can not afford to lose almost XXXX because Well Fargo can not do its job, when I did everything in my power to stop the transactions and theft.

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 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OR

Complaint narrative:
On XX/XX/26, my Chime debit card was charged 5 separate times for transactions from the XXXX XXXX in the amount of {$79.00} each. Totaling {$390.00}. I immediately logged into my XXXX account to check my transactions, I could not see any recent transaction history on the XXXX XXXX side, and I also could not find any transactions on the XXXX XXXX side either. I made sure to do my due diligence and check both order histories. No orders reflected on either of them. I presented this information via screen shots to Chine when I filed my dispute. Chime denied and closed my dispute. I did not make these purchases, I did not authorize these purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: MN

Complaint narrative:
Validation of Debt Request - ALDOUS - XXXXXXXX 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 : 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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: TN

Complaint narrative:
The repossession company along with the lender are refusing to give me my aftermarket subwoofers and amplifier sitting in the trunk, not bolted down or affixed to the vehicle in anyway. Ive tried multiple times to reach out to both parties and settle this without taking the legal route and I cant seem to find any middle ground. According to the Tennessee state code law 45 15 111B the reposition company has no rights to keeping my personal property

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management {$390.00} they have reached out I want them to provide written proof that they have the legal right to collect this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am submitting a complaint regarding an unreasonable and unexplained delay in processing my Public Service Loan Forgiveness ( PSLF ) Buyback request submitted through StudentAid.gov. Timeline / key fact s : On XX/XX/XXXX, I submitted a PSLF Buyback request ( Buyback Case # XXXX ). My request has remained in a processing status for over 14 months with no substantive progress or communication. I have not received a buyback offer letter, a calculated payment amount, a request for additional information, or any timeline for completion. I have contacted Federal Student Aid customer service repeatedly and submitted feedback/complaint cases through StudentAid.gov. The matter remains unresolved. Impact : I have maintained eligible public service employment and, based on my qualifying history, buying back 7 months would result in immediate PSLF eligibility and discharge. The prolonged processing delay and lack of communication is preventing me from making the required buyback payment and obtaining the loan forgiveness/discharge for which I qualify. Prior attempts to resolve : I submitted cases through the FSA Feedback Center, including Feedback Case # XXXX ( submitted XX/XX/XXXX ) and an earlier feedback case in XX/XX/XXXX. The most recent response was contradictorystating the issue would be researched while also indicating the case would be closedwithout resolving the underlying problem.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX Date : XX/XX/year> Complaint Against : XXXX XXXX ( XXXX XXXX ) Subject : Failure to Remove My Name From Mobile Account / Unauthorized Continued Use To Whom It May Concern, I am submitting this complaint regarding XXXX XXXX refusal to remove my name from an internet / Video account that I no longer authorize or control. I was previously listed as the account holder for a XXXX XXXX account associated with a prior residence. After vacating the property, the current tenant continued using the mobile service. I contacted XXXX XXXX multiple times requesting that my name be removed from the account and that responsibility be transferred to the current user. Despite these requests, XXXX has failed to properly transfer or remove my name from the account. As a result, my personal information continues to be associated with a service that I do not use, do not authorize, and do not financially control. Allowing another individual to maintain service under my name creates significant risk of : Unauthorized financial liability Potential damage to my credit or consumer records Misuse of my personal identifying information I have made reasonable efforts to resolve this matter directly with XXXX XXXX customer service but have not received a satisfactory resolution. Requested Resolution I am requesting that XXXX XXXX : 1. Immediately remove my name and personal information from the account. 2. Transfer full responsibility to the current user or terminate the account if necessary. 3. Provide written confirmation that I have no financial responsibility or liability for the account going forward. 4. Confirm that no negative reporting or collections activity will occur in my name. Failure to correct this issue leaves my identity and financial standing exposed to unnecessary risk. I appreciate the Consumer Financial Protection Bureaus assistance in ensuring this matter is resolved promptly. The current occupant Is XXXX XXXX and he is listed on the account. XXXX he is owner of property. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I discovered a collection account reported by TSIXXXX XXXX XXXX XXXXXXXX on my credit reports with XXXX XXXX XXXX XXXX. I did not authorize this account. I request validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA 623. Until verification is provided, this account is inaccurate and should be removed. I have attached my ID and proof of address to support my identity. This reporting is harming my credit and causing undue stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
I borrowed {$30000.00} in private student loans and have repaid approximately {$70000.00}. Despite this, I still owe a balance. I believe excessive interest capitalization, unclear amortization, and/or improper payment application occurred. I am requesting a formal review and correction

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am reporting an issue with a 30-day late payment reported on my Raymour & Flanigan credit account financed by TD Bank . The late payment was related to a payment processing issue. TD Bank reversed the NSF fee associated with the transaction, confirming that the issue was not due to an intentional missed payment. I disputed this matter with XXXX and the dispute was resolved in my favor. However, the 30-day late payment continues to appear on my credit report. This is the only late payment in my entire credit history, and I have otherwise maintained my account in good standing. I believe the continued reporting of this late payment may be inaccurate or inconsistent given that the related fee was reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: Winklevoss Exchange LLC
State: IL

Complaint narrative:
I am submitting this complaint about the XXXX credit card issued by XXXX regarding ( 1 ) failure to properly acknowledge and investigate disputed charges I reported as fraud/unauthorized activity, ( 2 ) loss of access to account records after closure, and ( 3 ) negative credit reporting to XXXX tied to a balance that includes disputed transactions and unresolved dispute handling. Disputed charges / investigation failure In XX/XX/XXXX, I noticed XXXX charge ( s ) that I believed were fraudulent/unauthorized. The first statement showing the XXXX charge was dated approximately XX/XX/XXXX ( exact statement date available from the issuers records ). In XX/XX/XXXX, I disputed the XXXX charge ( XXXX ) by phone with XXXX Credit Card Support. I was later told my dispute was not in time, but I disputed promptly in XX/XX/XXXX after noticing the charges in XX/XX/XXXX. I contacted XXXX and was able to obtain a partial refund, but not the full amount. The remaining amount should have been investigated and resolved through the card issuers dispute process. After the account was closed, I lost online access to account details, statements, and dispute records. I requested statements, dispute documentation, and written confirmation of dispute status, but I was repeatedly pushed into phone-only communication and did not receive adequate written dispute confirmation or records. Credit reporting harm ( XXXX XXXX XXXXXXXX is reporting derogatory information to XXXX despite the unresolved dispute. My XXXX report shows XXXX with 2 late payments and a payment history reflecting 30 days late in XX/XX/XXXX and 60 days late in XX/XX/XXXX. It also shows the account is Closed, {$50.00} past due as of XX/XX/XXXX, balance {$480.00}, credit limit {$2000.00}, and last payment date XX/XX/XXXX. I withheld payment of the disputed portion pending investigation and specifically requested that XXXX not assess fees/interest and not report negative credit information tied to the disputed amount while the dispute was pending. XXXX stated they could not help via email and directed me back to phone support. Core complaint XXXX failed to properly process and document my billing dispute/fraud claim, restricted my access to necessary records after closure, and then reported late payments to XXXX tied to a balance that includes disputed transactions and unresolved dispute handling. XXXX should provide full dispute records and correct inaccurate or unfair negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: MN

Complaint narrative:
Validation of Debt Request - AFFIRM INC - 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
I initiated unstaking all of my XXXX ( XXXX XXXX ) from Gemini on XX/XX/year>. They said the funds would be available by XX/XX/XXXX. It is now XX/XX/XXXX, and the funds still are not available. This is a very large amount- it is about {$1.00} XXXX. I need this money ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I can not stress enough how frustrating and distressing this situation has been. I discovered a debt on my credit report that I have no knowledge of and do not recognize. This account remains unverified and does not belong to me. Since its appearance, I have been subjected to repeated communications and collection attempts through multiple channels, including threats of potential legal action. This is extremely concerning and unacceptable. As a law-abiding consumer, I find it deeply troubling that my rights appear to be disregarded in this matter. The stress caused by this situation has taken a serious toll on my well-being, including significant anxiety and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: DC

Complaint narrative:
To Cash App / Block , Inc. Legal Compliance : I am formally disputing an incorrect overdue balance of approximately {$400.00} on my Borrow account. This debt is the result of technical errors and a failure to credit repayments that were successfully deducted from my employer 's direct deposits in XXXX and XX/XX/XXXX. I am reporting three specific violations of the XX/XX/XXXX CFPB Consent Order ( File XXXX ) : Uncredited Repayments : My account shows overdue amounts of {$76.00} and {$240.00} ( plus fees ) that were already paid via direct deposit. These were not properly applied to my balance. Missing Evidence ( Record Deletion ) : Upon reviewing my support history, I discovered that my chat logs from XXXX regarding these specific disputes have been deleted/removed, while XXXX logs remain. Deleting consumer dispute history during an active regulatory investigation is a breach of compliance. Retaliation & Suppressing Complaints : My attempts to seek help were met with account restrictions and being flagged on social media for " clout chasing. '' This has prevented me from accessing the 24-hour live support mandated by the XXXX settlement. I demand an immediate audit of my direct deposit records for XXXX XXXX and for this inaccurate debt to be cleared. I also request a full copy of my transaction and support history ( including the deleted XXXX chats ) as required by the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

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 2026-03-05 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: CA

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Validation of Debt Request - AMSHER COLLECTION SERV/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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. XXXX. Verification that you are licensed to collect debts in XXXX XXXXXXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation