vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
Jefferson capital system- forgive credit card- XX/XX/year>, I am in debt for {$710.00} and I was not aware of this? I have no clue even what this account is, this has resulted in my credit score decreasing and harder chance getting approval I request this to go under investigation immediately and removed and deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate and fraudulent debt collection account being reported on my credit report by Columbia Debt Recovery in the amount of {$6700.00}. This account does not belong to me and is the result of identity theft. I have never opened, authorized, or agreed to be responsible for this account. It appears that my personal information has been used without my knowledge or consent and that I have been improperly listed as a joint owner on this alleged debt. The continued reporting and attempted collection of this debt constitutes inaccurate credit reporting and may be in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Reporting a debt that is not mine and failing to properly verify its validity is causing harm to my credit profile and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing this complaint against Discover regarding a refused dispute for a transaction of {$290.00} on XXXX XXXX. I purchased a XXXX XXXX XXXX that arrived with a visible tear/damage that was not disclosed in the listing. The item was materially misrepresented at the time of sale. I have photographic evidence of the damage, as well as written acknowledgment from the seller confirming the tear existed. I attempted to resolve this through XXXX XXXXXXXX XXXX dispute process, which was denied. I then contacted Discover multiple times to dispute the charge under " item not as described '' and was told on multiple occasions that they can only dispute unauthorized transactions. This is inconsistent with my rights as a consumer under Regulation E and Discover 's own buyer protection policies. I am requesting that Discover be required to process my dispute and issue a refund of {$290.00} for an item that was misrepresented by the seller. I have documentation available including photos of the damage, screenshots of the seller 's acknowledgment, and records of XXXX XXXXXXXX XXXX denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
Mother passed XX/XX/year>. Informed back after receiving death certificate. Bank made copy. This was last week in XXXX. Account never froze. Electronic payments continued to come out now bank won't close out joint checking and saving because of negative balance in checking. Second copy of death certificate and small estate transfer affidavit. Branch manager won't respond to calls and directed me back to finance company who took out electronic payments. They will not refund payments taken out after death date. Trying to just transfer money from savings to bring account out of negative and close out and withdraw the rest of savings. Why wasn't account frozen at the time of notification XXXX XXXX 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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
On the XXXX of XXXX, I received a call from who I thought was my bank Wells Fargo. After they provided information about my account ( the last 4 of my SSN and my bank statement most recently charges ). They began to tell me my account was attempting to be hacked via my XXXX XXXX account. They then instructed me to give them codes which were sent to me from a Wells Fargo phone number I have received codes from in the past. They claimed this was to verify my identity. After giving the codes they changed both my user name and password and changed my daily limit. They then had me transfer XXXX dollars USD from my checking account to my XXXX XXXX XXXX. From there I was told to transfer the money to a temporary Wells Fargo account which they provided a routing and account number for. After the transfer I realized that it was to a XXXX XXXX account number ending in XXXX, this was a 3 business day transfer. Within hours of this I had contacted Wells Fargo to report that I had been scammed and that I needed that payment stopped. They opened a claim and the charge was pending for 3 days. All subsequent calls from the scam caller had caller ID WELLS FARGO along with the phone number being a reputable Wells Fargo help line number. Within XXXX hours I had also contacted XXXX support with XXXX. I had notified them of the fraudulent charge and requested that they block it was well. On the XXXX I was met with an email from XXXX saying my charge could not be canceled. I was met with a Claim denial letter from Wells Fargo on the XXXX with the reasoning that " The merchant description matched the transaction ''. The charge had went through even when notice was given to both institutions. On the XXXX I was met with a denial from my XXXX claim via email. The reasoning given was account holder credited outside of dispute process. Upon calling XXXX that day they were unable to provide explanation of the denial reasoning and refused my request for an appeal. They agreed only to send paper documentation on the companies decision to deny my claim. I am still waiting on this documentation. At my bank ( Wells Fargo ) I appealed my claim which was again denied. Wells Fargos provided me one last attempt to argue this in the form of an escalated complaint. Wells Fargo has continued to refuse and dodge giving me any answers as to why they did not stop the charge on my card and claim they have no accountability. I am still currently in the escalated complaint process with Wells Fargo. I have additionally contacted the OCC reported to the XXXX, FTC and FBI internet crimes division. I have also attempted to contact the Wells Fargo board of directors.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Account : Chase credit card, belongs to XXXX XXXX XXXX ( I am not personally liable ) Issue : Failure to honor original settlement agreement and improper account handling Timeline & Facts : XXXX. XX/XX/XXXX : Reached a settlement agreement by phone for {$680.00}. Received written confirmation showing payments of {$100.00}, {$280.00}, and {$300.00}. 2. Payment processing issue : First payment failed due to the company using an old bank account on file. I called and updated my payment method. 3. XX/XX/XXXX : Received a second confirmation letter showing a revised schedule of XXXX payments of {$100.00} each. I completed these payments, last one in XX/XX/XXXX. 4. XX/XX/XXXX : Received a notice stating the settlement had been canceled without any advance notification, even though I had paid according to their written instructions. 5. Companys response : Told me there was a remaining balance of {$370.00} and offered a new {$370.00} settlement. When I requested settlement verification for the full {$680.00} for tax purposes, they refused, saying they would only verify {$370.00}. I informed them this was their mistake, not mine. 6. Final payment : I immediately paid {$370.00} online to resolve the account in good faith. 7. Certified letter : On XX/XX/XXXX, I sent a certified letter requesting written confirmation that the account was paid in full for {$680.00}. The company never responded. 8. Current issue : As of XX/XX/XXXX, the account still shows a balance. The company claims I declined the {$370.00} settlement, and now asserts a new balance of {$2700.00}, which is incorrect and inconsistent with payments made. Impact : Payments made in good faith despite not being personally liable. Lack of advance notice for settlement cancellation. Refusal to provide verification for full settlement amount ( {$680.00} ). Confusing and misleading account statements causing financial and record keeping issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CT

Complaint narrative:
I am a XX/XX/XXXX student and was targeted by a phishing scam sent to my student email account. The email claimed that a donor was giving away high-value electronics ( including laptops and cameras ) to students and staff. It appeared school-related and asked interested students to contact an individual directly. Believing it was legitimate, I sent {$150.00} through XXXX XXXX to the requested account. Shortly afterward, the email disappeared from my student inbox, which suggests the school identified and removed it as phishing. I later realized the message was fraudulent and that no legitimate donation program existed. I reported the transaction CHIME but no refund has been issued so far. I am submitting this report to document the scam and help prevent other students from being targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This situation happened on XXXX XX/XX/year> at XXXX at a PNC bank store number ( XXXX ) XXXX XXXX XXXX , and I was at the counter and I got a money withdraw for XXXX dollars, then I went back in after I left out to get another money withdraw for older dollar bills, and when I got up to the counter both females with one of them being the manger turned down my services when I was trying to make the money exchange for a older dollar bill, the young lady that was next to the manger told me no and said she closed her draw, and said I cant have it, then I went back to the manger and asked if she could do the exchange for me and told me no and said I was being rude, when they both was giving me attitude and then the manger said she would call the police if I dont leave, when I did not do anything wrong, so I would like for both to be fired ASAP! And if I left anything out I will be happy to follow up. Thank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management and the reporting of an alleged debt on my credit report. I previously requested validation and documentation regarding this account, including information showing that the debt is accurate and that I am legally responsible for it. Midland Credit Management did not provide the requested documentation or sufficient validation. Despite failing to provide the requested information to me, Midland Credit Management verified the account with XXXX during the dispute process. XXXX then updated the account on my credit report based solely on the furnisher 's verification. I believe this is improper because I have not received documentation such as a signed agreement, account statements, or other evidence from the original creditor demonstrating that the debt is mine or that the amount reported is accurate. I am requesting that Midland Credit Management provide complete documentation validating this debt. If they can not provide proper verification, I request that the account be removed from my credit report. I also request that XXXX conduct a reasonable investigation into this matter rather than relying solely on the furnisher 's response when the furnisher has failed to provide documentation to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a payment from another bank to my Wells Fargo credit card account on XX/XX/XXXX. The money was XXXX transferred to Wells Fargo on XXXX. A typical ACH transfer takes XXXX days to complete. Under unusual circumstances it can take XXXX business days. So, on XXXX, I attempted to make another purchase on my WF credit card and it was declined. I then made my first call to WF and was told that the payment had not posted because a XXXX day hold had been applied. This is where things start to smell fishy. Im trying to reach a total amount of purchases needed to qualify for a bonus. That XXXX day hold ( from XXXX ) will put me at XX/XX/XXXX, which ironically is the last day of my promotion period. I called a day or so later, spoke to someone in the executive office, and said that if someone didnt correct the posting problem, it would be impossible for me to meet the terms of the bonus. After that conversation, WF posted the payment with a posting date of XXXX. Thats also fishy since the acutal transfer didnt occur until XXXX not XXXX. And finally, to make this even sound crazier, the credit card balance now shows the payment has been applied but customer service still says the payment is on hold. Again, with the payment on hold, I cant make the necessary purchases to fullfil the promotion. Either Wells Fargo is deliberately preventing me from reaching the spend requirement or some people in the bank dont realize that a hold means the transaction is pending and therefore not able to be posted.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: IL

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. Il you believe you sent proper notification, please provide 'Certified Mail '' with receipt displaying my signature Il not, please delete account # XXXX as soon as possible from any report or i will have to take legal 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
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I am disputing an account that appears on my credit report with XXXX XXXX. I did not receive any service from this company, and I am not liable for additional charges. Despite my attempts to resolve this directly with the company and the credit bureau, the account remains on my credit report. I request that the company and the credit reporting agencies investigate this account. Under the Fair Credit Reporting Act ( FCRA ), inaccurate information must be corrected or removed. I am asking that this account be removed from my credit report because it is incorrect, and I have no obligation to pay it. Please confirm the removal of this inaccurate account from my credit report .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: NC

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-03-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Ace Customer Services, LLC
State: CA

Complaint narrative:
I was defrauded of {$30000.00} by a coordinated network of companies XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) who made deceptive earnings claims. This fraud forced me to seek the services of Signature Servicing. Despite informing Signature Servicing that the underlying debt was fraudulent ( Telemarketing Sales Rule violations by the original companies ), they ignored these legal defenses. Instead, they prioritized collecting their own settlement fees rather than disputing the validity of the debt with the creditors. The {$30000.00} lost to XXXX, XXXX, and XXXX XXXX represents the entirety of the debt Signature Servicing was hired to manage. By failing to settle my largest accounts while collecting {$1800.00} in fees, Signature Servicing has significantly worsened my financial insolvency. I am filing this complaint against Signature Servicing LLC for predatory fee practices. I was induced into a debt settlement program after being defrauded by a business opportunity scheme FTC Report # XXXX. The Facts : > XXXX. Since XX/XX/year>, I have paid a total of {$5700.00} into the program. XXXX. Signature Servicing has only paid {$3700.00} to creditors but has collected {$1800.00} in fees ( over XXXX XXXX of total payments ). XXXX. They have failed to settle with XXXX XXXX, causing my credit to collapse into XXXX XXXX ' status while they prioritize collecting their own 'Settlement Fees. ' XXXX. Despite my termination of the program, they are currently holding {$190.00} of my funds in escrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On Friday XX/XX/2026 an authorized transfer in the amount of {$1500.00} was made from my bank account under Sofi to an outside bank account under the Company XXXX XXXX. It seems like they first transferred the money from my savings to my checking and then from my checking to the outside bank account. I've been having issues with my email and I believe someone had access to my email and that's how they got access to my banking. I've since reset all my logins. I called within 1 or 2 hours of finding out and submitted a dispute which today on XX/XX/2026 they determined was not an authorized transaction. I have no connection or affiliation with XXXX XXXX or even heard of them before this situation. I called my bank and all they said is they can submit an appeal to the denial which will take another 10 business days. I can not keep waiting or pushing back my bills and rent which is what I had saved the money for in the first place. I asked for provisional credits 2 days after I submitted the dispute and they were not able to provide that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: UT

Complaint narrative:
I was charged through klarna for a transaction that I never did, the merchant is XXXX XXXX the total amount is {$160.00} and allegedly happened on XX/XX/year>, I contacted the merchant and XXXX XXXX said they had no history of the transaction ever happening in their system. I showed that to klarna in XXXX and they took the transaction off but then they just reopened it today for whatever reason and I asked them why and they said they won the dispute with our bank which isnt even who the dispute was with and klarna wont provide me with information pertaining to what device was allegedly used to make the purchase or any other proof that the transaction was even real

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing a complaint regarding the servicing and payoff calculation of my Ally auto loan. My retail installment contract began with a first payment due on XX/XX/XXXX for a term of 72 months. Based on this contract, the original maturity date should have been XX/XX/XXXX. I contacted Ally to confirm the number of extensions applied to my loan and requested copies of all extension agreements. Ally provided PDF documentation showing only two ( 2 ) one-month extensions. Based on this documentation, the maturity date should only be extended by two months, making the expected final payment date approximately XX/XX/XXXX. However, my account has shown two remaining payments since XXXX and the account information does not appear to be updating correctly despite payments being made. I contacted Ally customer service and was told the matter would be investigated and that I would receive a call back, but no follow-up was ever provided. I am requesting that Ally perform a full review of my account and provide a written explanation of the loan maturity date, remaining balance calculation, and how payments have been applied after the two documented extensions. My concern is that the account may be miscalculated and that I may have been charged payments beyond what the contract specifies. Additionally, Ally reported a late payment at beginning of the loan, which was incorrect and that they would rectify the problem, however they never did.

Company response to consumer: Closed with explanation