vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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: MD

Complaint narrative:
Beginning in XXXX Wells Fargo would block me from using and having access to my my debit card. They froze my account without my permission. Wells Fargo alleged sometype of unwarranted fraud without my permission. I never called them that there was any fraud but Wells Fargo continously froze my checking account and suspended my checking privileges on several occasions causing hardship by not being able to use my debit card for transportation, being able to pay my rent and groceries. 

On XX/XX/year>, when I went to use my debit card to pay for groceries at XXXX XXXX my card did not work. The cashier tried several times but Wells Fargo blocked the transaction from going through. I was absolutely shocked because there was {$600.00} dollars in my checking account and I also have a Savings account with Wells Fargo. 

Again, this was uncalled for because there was no fraud and embarrassing to me standing in line which I believe this is sometype of intentional harassment and discrimination against me to intentionally. 

When I got home and called to find out what happened. I was drilling and treated as though I was a criminal criminal. Instead of the cardholders with stupid ridiculous questions. 

I was finally told by customer service employees that the card had been suspended again do to fraud. When I had never called Wells Fargo about any fraud. 

As this situation has caused me pain and suffering including severe emotional distress. I am requesting immediately that the Consumer Financial Protection Bureau brings enforcement action and penalties against Wells Fargo. For wrongfully freezing consumers checking accounts and unlawfully preventing customers from having access to their own funds and use of their debit cards. 

I have seen numerous of lawsuits against Wells Fargo by your agency and the Federal Trade Commission for numerous of consumer violations. Specifically, wrongfully suspending and freezing customers accounts.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
My bank denied reimbursement for a scam-related transaction where I was manipulated into authorizing payment. This qualifies as authorized scam / social engineering fraud. Chime failed to properly investigate and misclassified the dispute as a standard merchant transaction. I am requesting reimbursement and a formal review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc.
State: CA

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One Auto Finance continues to display an auto loan in my mobile app as restricted. This auto loan was included in a XXXX  XXXX bankruptcy discharged in XXXX. The account was completely removed from all credit reports in XX/XX/XXXX. 
I am not requesting account servicing or deletion of records only that this legacy auto loan be unlinked or hidden from my digital profile ( Capital One app ). XXXX representatives have stated this is impossible, which is incorrect. 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, MA. XXXX DOB : XX/XX/XXXX Last 4 social : XXXX Last 4 acct number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Village Capital & Investment LLC
State: MD

Complaint narrative:
Ive called Village Capital five times on the XXXX of XX/XX/year> about my doubled payment by accident trying to make a mortgage payment and an escrow payment. Due to the online process it was an issue within the system and me calling in at XXXX EST they wasnt available. 
I have 9 pages proving the 18 calls Ive contacted Village Capital to fix my XXXX payment. 
I was promised so many times about a supervisor to contact me but they reversed my XXXX payment in the XXXX and lied about my reversal was escrow check. 
Ive received the check and called in on the XXXX of XXXX for confirmation and was told to just spend it twice. 
Again, I was told someone would call me and the supervisors didnt call me until I cashed my reversal check on the XXXX of XXXX. 
Again, I by than Ive have already called and spoke to 10 ppl and No results to my problem but a late fee for XXXX. 
I dont know how to upload documents of call logs and the reversal check. 
This lender refuses to assist me, when they are at fault. 
Village Capital will not burden my credit scores based off lies to become a homeowner for the 4 th time due to their negligence.

I need someone to contact me so I can upload all of my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Bank, N.A.s handling of my fraud claim involving two unauthorized credit card transactions at XXXX XXXX. 

Despite three reviews, Chase has determined that I authorized and benefited from these transactions. That determination is not supported by the factual record and appears to be the result of a deficient investigation. 

The transactions occurred on XX/XX/year>, at XXXX XXXX XXXX in XXXX, Georgia. I reside in XXXX, Tennessee and did not authorize, attend, participate in, or benefit from these transactions. 

Transaction details are as follows : {$70.00} Order XXXX XXXX adult tickets for Now You See Me : Now You Dont ( XXXX PM ), seats XXXX and XXXX {$67.00} Order XXXX XXXX adult tickets for XXXX : Predator : Badlands XXXX ( XXXX PM ), seats XXXX and XXXX Both transactions involved in-person movie attendance at a physical location in another state. 

XXXX XXXX and Chase fraud agents have confirmed that : The purchases were made using a device identifier not associated with my Chase account Each transaction involved two seats, indicating attendance by multiple individuals The location was XXXX, Georgia, while I reside in Tennessee The showtimes overlap in a manner that makes attendance impossible Alleged email confirmations do not establish authorization and are consistent with account-takeover scenarios ; I did not receive the emails Despite this evidence, after three reviews, Chase asserts that I made the charges and benefited from the transactions but has provided no explanation, analysis, or documentation showing how authorization or benefit was determined. 

Chase has not explained : How I authorized the transactions How I could have been physically present in another state How an unknown device establishes authorization What benefit allegedly occurred or how it was determined A conclusory assertion of benefit, without factual explanation or reconciliation with contradictory evidence, does not constitute a reasonable investigation under the Fair Credit Billing Act. 

I am requesting that the CFPB require Chase to : Reverse its determination Restore permanent credit for both unauthorized transactions Confirm compliance with federal consumer protection requirements Supporting documentation, including my formal statement submitted to Chase, is attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: INTERNAL CREDIT SYSTEMS, INC
State: GA

Complaint narrative:
I've spoke with the gym owner and even she was mean and said she didn't care that she would sue and take me to court then hung up this was probably back in XXXX of XXXX. The I just received a phone call and he threatened me multiple times and said keep playing games and YOU'RE GON NA BE SUED AND HUNG UP to XX/XX/XXXX at 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 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit union and Banks can not get an updated credit score and credit report as evidence by what I received today by email and by accessing my account online it says XX/XX/year> that's the credit report that they can access and credit score and in my credit report it says XX/XX/year> I can't get the most recent credit report and score it displays a ridiculous message that there's a difference between information my creditors have and what's in my report which is ridiculous I sent in a copy of my driver 's license uploaded it these people seem very incompetent and I'll be able to resolve a clerical issue

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Company name : RESURGENT/LVNV FUNDING Account number : XXXX Amount : {$490.00} What happened RESURGENT/LVNV FUNDING is reporting a collection account on my credit reports for a debt that does not belong to me. I have never had an account with the alleged original creditor, nor have I agreed to any debt in this amount. 

Despite the debt being inaccurate, RESURGENT/LVNV FUNDING has continued to report this account as a collection every month, causing ongoing harm to my credit profile. 

I formally disputed this debt and requested validation. To date, RESURGENT/LVNV FUNDING has failed to provide competent evidence that I am legally responsible for this alleged debt, including any signed contract, application, or proof of ownership. 


By continuing to report this account without proper validation, RESURGENT/LVNV FUNDING is : Reporting inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ) Attempting to collect and report a debt that is not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) Failing to conduct a reasonable investigation before furnishing negative information to credit bureaus Causing ongoing financial and reputational harm through repeated collection reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Okay so I went to the gym around the time my money was taken. I dont know the exact date and time exactly I just know that day I went around like XXXX or XXXX. I had my wallet in the gym locker when I was done with my workout I went to the locker room, my coat was there but my wallet was no where to be found. The details its hard to say because I barely know what I did a couple days ago. I have a XXXX XXXX and Im a single mother of XXXX I dont have time to do fraudulent things if this was me I wouldnt even bother. I have so much on my hands its ridiculous. So if Im writing and looking up how to get my money back its because nobody cared to actually listen and take steps to help me. If someone has my card they can easily get in. I literally misplace things and forget but this time for sure my wallet was in that locker room. Please I need to pay rent they took my social security check which was suppose to be for my son that has adhd I cant take care of him properly if I dont have my funds.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: UPGRADE, INC.
State: DE

Complaint narrative:
XXXX of XXXX I booked and then canceled a cruise. A charge related to this booking was processed through Uplift using my XXXX XXXX  card. The charge appeared as a posted transaction, which allowed me to file a billing dispute. 

Uplift instructed me to file the billing dispute with XXXX XXXX. I did so, and XXXX ruled in my favor, issuing a chargeback and placing a stop payment against Uplift. This resolution occurred in XXXX. 

The debt is now owned by XXXX XXXX, but I have not been contacted by them regarding this account. The debt was originally with Uplift, which I disputed and resolved via chargeback with XXXX in XXXX. Uplift later reclassified the chargeback as an unpaid debt, which was reported inaccurately on my credit in XXXX. XXXX XXXX, as the current owner of the debt, has never provided documentation validating the balance, original delinquency date, or authority to report this account. 

I have repeatedly disputed this account with Uplift, Upgrade ( after migration ), and the credit bureaus. Uplift now claims that no payment ever existed, which is not possible because a billing dispute and chargeback can not occur without a posted or pending transaction. I also have a screenshot showing my card was on file with Uplift at the time of the disputed transaction. 

XXXX XXXX  has informed me that, because my account is closed, they can not retrieve records from XXXX. However, the lack of records does not change the fact that a chargeback was issued, nor does it relieve Uplift / Upgrade of its responsibility to accurately report the account. 

Uplift / Upgrade has never provided documentation validating that a balance is owed, explaining how a resolved chargeback became a collectible debt, or justifying the delayed reporting of this account years after the original transaction. 

I am disputing this account as inaccurate, unverifiable, and improperly re-aged, and I am requesting full deletion from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: DE

Complaint narrative:
XXXX of XXXX I booked and then canceled a cruise. A charge related to this booking was processed through XXXX using my XXXX XXXX  card. The charge appeared as a posted transaction, which allowed me to file a billing dispute. 

XXXX instructed me to file the billing dispute with XXXX XXXX. I did so, and XXXX ruled in my favor, issuing a chargeback and placing a stop payment against XXXX. This resolution occurred in XXXX. 

The debt is now owned by True Accord, but I have not been contacted by them regarding this account. The debt was originally with XXXX, which I disputed and resolved via chargeback with XXXX in XXXX. XXXX later reclassified the chargeback as an unpaid debt, which was reported inaccurately on my credit in XXXX. True Accord, as the current owner of the debt, has never provided documentation validating the balance, original delinquency date, or authority to report this account. 

I have repeatedly disputed this account with XXXX, XXXX ( after migration ), and the credit bureaus. XXXX now claims that no payment ever existed, which is not possible because a billing dispute and chargeback can not occur without a posted or pending transaction. I also have a screenshot showing my card was on file with XXXX at the time of the disputed transaction. 

XXXX XXXX  has informed me that, because my account is closed, they can not retrieve records from XXXX. However, the lack of records does not change the fact that a chargeback was issued, nor does it relieve XXXX XXXX XXXX of its responsibility to accurately report the account. 

XXXX XXXX XXXX has never provided documentation validating that a balance is owed, explaining how a resolved chargeback became a collectible debt, or justifying the delayed reporting of this account years after the original transaction. 

I am disputing this account as inaccurate, unverifiable, and improperly re-aged, and I am requesting full deletion from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Larry H. Miller Group of Companies
State: MD

Complaint narrative:
Company still reporting to equifax as not more than three payments past due as of XX/XX/year> although company representative states all information is correct. 

I was a victim of predatory lending by Prestige Financial Services. Their loan terms were unfair and the reporting on my credit is inaccurate. 

Under the Fair Credit Reporting Act, - 15 U.S.C. 1681 requires all credit reporting to be fair, accurate, and verified. 
- XXXX make credit bureaus and furnishers liable for reporting false or unverifiable information. 

Im requesting an immediate reinvestigation and deletion of this account if it can not be fully verified with original documentation. 

This dispute is made in good faith under my rights granted by the FCRA. Please provide confirmation and the results of your reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have been trying to do the right thing since late XXXX by making any/all payments I can but the late fees never stop and I just gave up trying to do the right thing. Chase does not care about the human factor of their corporate decisions. 

XX/XX/XXXX I wrote a letter to Chase explaining my situation having buried my father then my daughter XXXX months later. XXXX XXXX XXXX XXXX XXXX thoughts ruled my life for XXXX and XXXX. XX/XX/XXXX I wrote a letter to Chase to make what arrangements I could. After a phone call to customer service, we agreed to Chase taking auto-withdrawal of XXXX payments XXXX in early XX/XX/XXXX then another in mid XX/XX/XXXX. They took the first payment XXXX  days too soon ( XX/XX/XXXX, too early ) causing a ripple effect in my checking account which took me a week to undo. I called customer service in XX/XX/XXXX, tried again, was brushed off. 

XX/XX/XXXX, Chase late fees increased from {$29.00} to {$40.00}, a XXXX % increase! Total late fees for XXXX {$180.00}. Late fees for XXXX total {$440.00}. Late fees for XXXX total {$440.00}. Between XX/XX/XXXX and XX/XX/XXXX I have made payments totaling {$14000.00}, fees paid total {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation
State: KS

Complaint narrative:
The company didn't send me the 1099-C after they wrote-off the account. I've contacted them through phone and email but haven't received any information or a 1099-C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DRB-40, LLC
State: NC

Complaint narrative:
I am disputing this account because I do not owe this debt. This account is the result of identity theft. I did not open, authorize, or benefit from any account with Diversified XXXX  LLC or the alleged original creditor. 

I did not make the purchases associated with this balance and have no contractual obligation to this account. I have requested verification, but no valid proof has been provided showing that I am legally responsible. 

I am formally requesting that this account be deleted from my credit report immediately, as it is inaccurate and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: DE

Complaint narrative:
Being called to 3-5x a day to collect a debt that was paid off through collections at settlement amount that they refuse to honor due to a computer error on their end. Continuously trying to get more money out of me that I don't have.

They also continue to harassingly call a landline that I am not allowed to use and is causing issues with me and my landlord. I only give out my cellphone number and they have never called it. How they got the landline phone number is known.

The company calling is NCB Management Services as list on the caller ID and the number is different every time. So I can't block it.

Company response to consumer: Closed with explanation