vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MI

Complaint narrative:
Early warning is not sending me there method of verifying this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
This company i s violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection o n your consumer report recently. i am stressed out because this company is violating m y rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable o r inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
We booked and sailed on a cruise with XXXX XXXX XXXX. During the boarding and luggage handling process, our checked luggage was damaged while in XXXX custody. The telescoping handle was completely detached from the suitcase, making the luggage difficult and unsafe to use for travel. We reported the damage onboard immediately and requested assistance. XXXX staff inspected the luggage and attempted a repair without our authorization. The attempted repair failed and did not restore the suitcase to usable condition. Despite the visible damage and failed repair attempt, XXXX later denied responsibility and claimed there was no evidence of mishandling. We attempted to resolve the matter directly with XXXX by providing photographs, documentation, and a reasonable request for reimbursement for the damaged luggage. XXXX refused to fairly compensate us for the loss. We also filed a complaint with the XXXX XXXX XXXX, but the matter was closed without meaningful resolution. As a result, we are seeking reimbursement for the damaged luggage and related losses because the damage occurred while the luggage was under XXXX control and handling.

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 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I opened a CareCredit/Synchrony account and later attempted to pay the balance in full and close the account. Since then, I have experienced repeated small balances, fees, and interest charges even after making payments I was told would resolve the account. I contacted the company multiple times, including calls on or around XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, requesting an accurate payoff amount and confirmation of a permanent {$0.00} balance. Representatives provided amounts to pay, and I made payments based on that information. Despite this, additional balances continued appearing afterward. I do not believe I was provided reliable payoff information. I am requesting a review and waiver of residual fees/interest caused by inaccurate payoff information, along with written confirmation of the exact amount required to permanently settle the account and prevent further charges or negative credit reporting.

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 2026-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: NY

Complaint narrative:
During a period of documented financial hardship from XXXX through XX/XX/2026, Sallie Mae contacted my personal phone multiple times per day on a near-daily basis for approximately 3 months. My call logs show over 40 incoming calls from Sallie Mae numbers including ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX, with calls documented on nearly every day from late XXXX through XX/XX/2026. The actual number of calls is higher as I deleted many entries out of frustration due to the volume. On multiple occasions Sallie Mae called more than twice in a single day. This pattern continued even while I was actively reaching out to them about my hardship and they were refusing to offer any assistance. I never received any resolution from these calls and was repeatedly told to call back the following month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Homedepot closed my Home Depot Consumer Credit Card : - I've had the card for roughly XXXX years - Always paid my balance throughout those XXXX years - They automatically closed my account due to some banking issue that happened online. Their rule is payment is rejected twice in a XXXX month period the account is automatically closed but after the return payment was discovered I immediatly paid the amounts. - Historically never had issues making making payments only this bank transfer issues that was out of my control - No reasonable way to ask for reconsideration I need help - I can't get a new card/account either and need help

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 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to dispute because I notice accounts on my report I do not recognize on my credit report. The items I will dispute on the attached copy of my report I did not give consent to open these accounts on my report and please remove them as quick as possible from all 3 credit bureaus it is hurting my credit.

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 2026-05-18 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: MoneyLion Inc.
State: SC

Complaint narrative:
my bank refuses to contact the merchant to issue the refund because they claimed on XXXX XX/XX/2026 that they have to pay to file the dispute with the merchant and dont feel like investing into the issue. I was also screwed on aXX/XX/XXXX transaction that was not suppose to be taken from my account. the charrge in question currently is a XXXX charge from XXXX onto my moneylion account.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I disputed multiple time with them. Its always coming up very fine and I do not its not My not my mind I need to be remove my credit I am a victim of identity

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kikoff Inc.
State: PA

Complaint narrative:
This letter serves as formal notice that Kikoff Lending LLC is engaged in the unlawful and inaccurate reporting of consumer credit data regarding the above-referenced account. As of XX/XX/year>, your company has verified and maintained a reporting status of " Account charged off '' with a {$180.00} balance and a {$100.00} past-due amount on my consumer credit files. This reporting is entirely fraudulent and illegal. I do not owe Kikoff Lending LLC any balance whatsoever. There is no outstanding debt, nor has there ever been. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are strictly prohibited from reporting data they knowor consciously avoid knowingis inaccurate. Furthermore, verifying false data during a reinvestigation constitutes a willful violation of the FCRA, exposing your company to statutory damages, punitive damages, and attorney 's fees. Because no debt exists, your company has no legal permissible purpose to publish these damaging, defamatory statements to the credit bureaus. Ive sent this to the kickoff email and no responses

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
ftc & complaint with the XXXX filed. First violation : I never received the required initial notice regarding this alleged debt before it was placed on my consumer report as required under 15 U.S.C. 1692g of the FDCPA. Your own CFPB response still did not provide proof that this notice was ever mailed. That alone is a serious issue, and statutory damages under the FDCPA may include up to {$1000.00} per action. Second violation : I repeatedly requested proper debt validation and the complete Method of Verification for over 90 days. Im actually glad the company responded to the CFPB complaint because the response further proved that the requested documentation still was not provided. You stated the account was verified with the original creditor, but where is the Method of Verification? Where are the documents relied upon during the investigation? Where is the competent evidence supporting the reporting of this account? Third violation : Under 15 U.S.C. 1681i of the FCRA, disputed information must be properly investigated. Generic responses repeating that an account was accurate, complete, and verifiable without providing actual documentation is not a reasonable investigation. At this point, the record clearly reflects repeated disputes, repeated requests for verification, and repeated failures to provide the requested documentation. I understand this complaint may be marked as a duplicate. That is fine. I simply wanted the record to reflect that even after CFPB complaints and repeated disputes, the requested documentation still has not been provided, and all records are being preserved regarding these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
This complaint is specifically regarding a {$500.00} XXXX XXXXXX/XX/XXXXthat was promised during the purchase of a XX/XX/XXXX XXXX on XX/XX/scrub> 2026 from XXXX XXXX XXXX but was NEVER applied to my loan by Honda Financial Services. This is a separate and distinct issue from any previously filed complaints. THE SPECIFIC ISSUE : During the purchase negotiation, a {$500.00} XXXX XXXX XXXX was promised as part of the transaction. This credit was never applied to my loan despite the following : The dealership collected my academic information to verify eligibility As late as XX/XX/scrub>, 2026 the dealership was still requesting my official transcripts to verify eligibility. The {$500.00} credit does not appear anywhere on my signed Purchase Option price sheet A conditional credit based on academic qualification can not be pre-applied to an XX/XX/XXXX price as qualification is not guaranteed at the time of sale Honda Financial Services funded the loan without ever verifying or applying this credit IMPORTANT CONTEXT - UNAUTHORIZED LOAN FUNDING : I explicitly withheld my transcripts because the loan amount was incorrect and I was actively disputing the numbers in writing. Despite my withheld documentation and explicit written disputes, the dealership funded the loan through Honda Financial Services without my authorization, effectively bypassing the verification process for the {$500.00} XXXX XXXX XXXX. The dealership can not claim they were unable to apply the credit without transcripts when they chose to fund the loan without proper documentation in the first place. THIS IS NOT THE SAME AS MY PREVIOUS COMPLAINT : My previous complaint addressed a tax calculation error Honda Financial Services partially resolved that issue with a {$400.00} principal reduction This complaint is exclusively about the {$500.00} XXXX XXXX XXXX These are XXXX completely separate and distinct financial discrepancies Honda Financial Services has never addressed or responded to the {$500.00} student credit issue in any of their communications PATTERN OF MISCONDUCT : Despite all communications being conducted in writing and XXXX XXXX XXXX admitting wrongdoing in writing, both XXXX and American Honda Finance Corporation have demonstrated a pattern of disregarding consumer financial rights. The General Manager of XXXX XXXX XXXX explicitly stated in writing ' I'm okay with you to proceed as you like ' when presented with a legitimate consumer dispute effectively dismissing regulatory oversight. Both parties appear to believe they control this process despite their own written admissions of error. This attitude demonstrates a clear underestimation of consumer protection laws and government regulatory authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XX/XX/XXXX credit bureaus on my credit report.

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 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding possible unauthorized banking activity and identity misuse associated with Wells Fargo accounts or services that I do not recognize or authorize. I believe my personal information may have been used without my permission to open, access, modify, or operate financial accounts and/or redirect funds. I request : XXXX. Investigation of any Wells Fargo accounts, debit cards, direct deposits, or banking relationships associated with my identity, Social Security number, phone numbers, or addresses ; XXXX. Disclosure of all accounts connected to my identity, including closed, restricted, dormant, or previously active accounts ; XXXX. Copies of account-opening records, signature cards, identity verification documents, linked phone numbers, email addresses, IP/device information, and transaction records associated with any such accounts ; XXXX. Investigation of possible identity theft, unauthorized account activity, or mixed consumer identity information ; XXXX. Correction of any inaccurate information associated with my consumer or banking profile. My only legal name is XXXX XXXX. I have never used the aliases XXXX XXXX or XXXX XXXX XXXX. I request written confirmation of the investigation results and correction of any inaccurate or unauthorized information.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was incarcerated when the credit card account was open in my name I have not went up to capital one to open an account nor did I fill out for This .. when I got incarcerated my id, birth certificate, social and money have came up missing someone in my family stole my documents in opened up all kind of credit cards car loans in got tons of inquiries on my file .now that Im home this is very frustrating for me to get back on my feet far as apartment I get denied because of this credit file this has cause me to be homeless Im very depressed and will be force to take legal actions next for pain and suffering in emotional distress I send verification of release from prison I ask this be remove asap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ITEMS FROM MY CREDIT REPORT

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: TN

Complaint narrative:
I am submitting this complaint regarding repeated collection activity from Lendmark Financial Services. I enrolled with XXXX XXXX XXXX approximately XXXX months ago due to financial hardship and have been attempting to responsibly address my debt situation. In addition to repeated calls to me, individuals including family members, relatives, and other people I did not provide as references have reportedly been contacted regarding my account. I believe this has become excessive and has caused embarrassment, stress, and disruption in both my personal and work life. I understand the company has the right to attempt to collect a debt, but I am requesting that collection communications remain reasonable and professional. I am also requesting that unnecessary third-party contacts stop while I work through my debt relief program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: CT

Complaint narrative:
In XX/XX/XXXX, I enrolled my XXXX daughter in martial arts classes at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , with a 2-year contract billed through XXXX XXXX XXXX ( XXXX ) . My daughter sustained an ankle injury from competitive tennis and required XXXX XXXX treatment ( {$230.00}, XX/XX/XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX ). On XX/XX/XXXX, I contacted the studio owner via text message requesting cancellation due to the injury. He offered a 4-month freeze or membership transfer, but neither option was workable. On XX/XX/XXXX, I submitted a formal written cancellation request via email to XXXX. They acknowledged receipt ( Ticket # XXXX ) but refused to cancel without a proprietary " Verification of XXXX '' form containing language threatening physicians with prosecution requirements beyond what Connecticut law ( Conn. Gen. Stat . 21a-218 ) mandates. I continued paying XXXX XXXXXXXX in good faith through XX/XX/XXXX. First Credit Services began collection efforts in XX/XX/XXXX for {$1900.00}. I sent a debt validation letter via certified mail ( received XX/XX/XXXX ) requesting itemized charges, payment history, CT collection license proof, and documentation of how my cancellation was handled. Their response ( XX/XX/XXXX ) was inadequate they only returned a copy of the contract and stated XXXX XXXX has " no record '' of my cancellation request. This claim is demonstrably false. XXXX XXXX XXXX owner submitted a detailed response to the CT Department of Consumer Protection ( Case # XXXX, XXXX XXXX XXXX ) in which he acknowledges and discusses my cancellation communications at length. XXXX XXXX can not simultaneously acknowledge my cancellation to the state investigator while telling their collector no such record exists. First Credit Services also indicated they may have reported this disputed debt to credit bureaus while it is under active state investigation.

Company response to consumer: Closed with explanation