vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have sent letters to every Synchrony Bank in the US ( to no avail ). On XXXXXXXX XXXX XXXX a charge of {$500.00} was placed on this credit card. I told them I made a mistake, thought I was deleting it, but they charged me anyway. It was for an XXXX Gift Card. I got in touch with XXXX and they sent me a letter stating : " We have never been able to locate a gift card purchased by your credit card or any gift cards redeemed to your account, we are referring your financial institution so they can investigate the charge and possibly issue a chargeback ''. First, they took it off and then put it back on. Then they cancelled this card and sent me a new one with the charge on that one! Fifteen months later I have not received anything from them stating the above. Now they are charging me interest. Can you please help? Thanks, 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 monetary relief
Consumer complaint received 2026-03-18 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing a complaint regarding incorrect credit card charges for transactions that were cancelled and never completed. The transactions charged to my credit card are : - {$3000.00} on XX/XX/year> - {$2000.00} on XX/XX/year> These transactions were made through XXXX. XXXX has confirmed in writing that these transactions were cancelled and that no funds were transferred or received. Specifically, they stated that the transactions did not go through and no funds were transferred to them. Despite this, Wells Fargo denied my dispute and continues to charge me for these transactions. This is a billing error under Regulation Z because I was charged for services not rendered and funds not delivered. I am requesting : - A full refund of {$5100.00} - Removal of all interest and fees related to these transactions - A proper reinvestigation of my dispute I have attached written confirmation from Remitly showing that no funds were transferred. This situation is causing financial harm and requires immediate resolution.

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 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
A medical collection account of {$1500.00} ( original creditor : XXXX XXXX XXXX ) is being reported on my credit file by RSI Enterprises. On XX/XX/year>, RSI received my written debt validation request via USPS Certified Mail, signed and accepted by an employee at their location. As of today, nearly XXXX weeks later, RSI has never responded or provided any validation documentation. Despite failing to validate the debt, RSI continued to report this account and recently verified it as accurate during a credit bureau reinvestigation. A debt collector can not legally verify a debt they have refused to validate. This is a violation of the FDCPA ( 15 U.S.C. 1692g ). I am requesting that RSI immediately delete this account from all credit bureaus to which it has been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified information being reported on my credit file by National Credit Systems , Inc . The account in question relates to an alleged debt from XXXX at XXXX XXXX XXXX with a reported balance of {$11000.00} and a Date of First Delinquency of XX/XX/2020. I have disputed this account multiple times with the credit bureaus, including XXXX XXXX XXXX Despite my disputes, the account continues to be reported as verified, yet I have not been provided with adequate documentation to support the validity of this debt. Specifically, the collection agency has failed to provide : A signed lease agreement bearing my signature A complete itemized statement of charges explaining the balance Documentation demonstrating their legal authority to collect this debt Verification of the Date of First Delinquency Additionally, the original creditor, XXXX at XXXX XXXX ( XXXX XXXX XXXX ), is no longer operating, raising further concerns about the availability and accuracy of records associated with this account. Furthermore, this account lacks sufficient identifying information to confirm it belongs to me. I have requested verification of all personal identifiers, including my full name, date of birth, and Social Security Number, but this has not been properly addressed. I am also concerned that the credit bureaus have failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), instead relying on automated responses without reviewing actual documentation. Given the repeated disputes and lack of proper validation, I am requesting that this account be removed from my credit report immediately. I am seeking a full investigation into this matter and appropriate action to ensure compliance with federal credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Details of the XXXX : On XX/XX/year>, I contacted Capital One to check the status of a pending dispute on my account. During this interaction : Excessive Transferring : I was transferred to multiple departments over the course of XXXX minutes. Each agent failed to provide a status update and instead routed me to a different representative. XXXX XXXX : After requesting an escalation, I was eventually connected with a supervisor. Rather than addressing my concerns or providing the requested information, the supervisor disconnected the call ( hung up on me ) without warning or resolution. Impact : This experience has left me unable to track the progress of my dispute, and I have lost confidence in Capital Ones ability to handle my financial information professionally. The deliberate disconnection by a supervisor suggests a systemic lack of accountability in their customer service department. Desired Resolution : A written update on the status of my current dispute. An explanation for why I was transferred multiple times without assistance. Accountability for the supervisor who disconnected the call. A direct point of contact to ensure this dispute is resolved without further runarounds. Thank you for your assistance in ensuring Capital One adheres to fair consumer practices. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Chime Financial Inc
State: GA

Complaint narrative:
I called chime to find out who a merchant was but they couldnt give me any information so it was escalated to the dispute department. I waited XXXX weeks and they claim was denied without reason or company information that charged my card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX Nelnet started taking more money out of my account than they should. I'm being charged {$170.00} when the payment amount should have been {$35.00}. The additional {$130.00} has been paying for interest on a student loan in deferment. I did not ask to start paying more money, and they just altered my auto debit each month. I have called several times, and have been told the loan came out of deferment, even though my student is still full time, and I've been told it is back in deferment, but still the same amount has been charged for months. I would like to get this amount back because I didn't ask to pay for interest on a loan in deferment, and I would like to apply every bit of that towards a student loan that is actually in repayment. I have since cancelled the auto debit feature, and even when speaking to someone on the phone I couldn't sign up for it again, because there is no way to change it to the correct amount. I was told in XX/XX/XXXX that the payment in XX/XX/XXXX would be for the correct amount, and nothing changed. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint against Ally Financial regarding inaccurate credit reporting and potential unlawful double recovery. Ally Financial repossessed my vehicle associated with this account. Following the repossession, the vehicle was sold. However, Ally continues to report a charged-off balance of {$27000.00} on my credit report. This reporting appears inaccurate and misleading. Once collateral is repossessed and sold, the remaining balance must reflect proper accounting, including sale proceeds. Additionally, if the debt was discharged, settled, or otherwise resolved, continuing to report a full balance constitutes inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). I am requesting the following : Full accounting of the repossession and sale of the vehicle Documentation of how the remaining balance was calculated Correction or deletion of the inaccurate balance being reported Immediate update to all credit bureaus to reflect accurate information If Ally Financial is unable to provide complete and accurate documentation, this account must be deleted from my credit report. This matter may also constitute violations under the Fair Credit Reporting Act and unfair or deceptive practices under federal law. I request a full investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
purchased a vehicle and later canceled both a GAP addendum and a maintenance plan. The maintenance refund of {$2900.00} was confirmed sent to the dealership on XX/XX/year>. The GAP refund was also processed separately. As of today ( over 60 days later ), neither refund has been applied to my loan with Ally Financial. I have contacted the provider, who confirmed the funds were sent to the dealership. I have attempted to contact the dealership multiple times and visited in person, but I have been unable to reach anyone in finance or get a resolution. This delay is affecting my loan balance and causing me to accrue unnecessary interest. I am requesting immediate investigation and application of these refunds to my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
CFPB Complaint ( Final With Hardship Added ) Product : Checking and Savings Account Issue : Account Restricted / Funds Held Company : U.S. Bank Complaint : I am filing this complaint regarding my checking and savings accounts with U.S. Bank, which were opened on or about XX/XX/year>. Shortly after opening, my accounts were placed under review and/or restricted for suspicious activity, and my funds are currently being held. At this time, approximately {$2800.00} is being held in my checking account and {$1000.00} in my savings account, for a total of {$3800.00}. This has caused significant financial hardship. I am a single mother of six children, and I rely on access to these funds to pay for essential living expenses, including housing, utilities, food, and transportation. Due to this restriction, I am currently unable to meet these obligations. I want to clearly state that I have not engaged in any fraudulent or suspicious activity. My account usage has been limited to normal, everyday personal spending, including purchases at grocery stores, dollar stores, and gas stations. I have not used this account for business purposes or any prohibited activity. The only peer-to-peer transactions I have made were through XXXX : Payments to my sister, who shares my last name, for personal/family-related purposes One payment of approximately {$50.00} to a friend listed in my contact list, which was simply repayment of money I owed All transactions were legitimate and personal in nature. I am still in possession of my debit card, and I have not experienced or reported any unauthorized transactions. To my knowledge, my account has not been compromised. Despite this, U.S. Bank has restricted my accounts and is holding my funds without providing a clear or specific explanation of what triggered this action. Because these accounts were newly opened, this restriction occurred almost immediately, which is especially concerning. I have attempted to contact U.S. Bank but have not received clear answers regarding : The specific reason my accounts were flagged Whether my accounts will be restored or permanently closed When my funds will be released I am requesting the following : 1. A clear and detailed explanation of what activity triggered this review 2. Immediate removal of any unnecessary restrictions if no wrongdoing is found 3. Prompt release of my funds totaling approximately {$3800.00} 4. Written confirmation of my account status and next steps I respectfully request assistance in resolving this matter as soon as possible.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: NRA Group, LLC
State: MI

Complaint narrative:
National recovery agency is sending text messages about a debt from a radiology company from 2021. I am not familiar with this company. I have not received a bill about a radiology debt in the past. I emailed XXXX XXXX XXXXXXXX. Have not heard from them. I am afraid this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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 filing this complaint against Wells Fargo for unjustified financial loss, lack of due process, and for facilitating a " chargeback fraud '' against my business, XXXX XXXX XXXX. On XX/XX/year>, I liquidated XXXX XXXX ( digital assets ) to facilitate the purchase of medical equipment ( Hyperbaric Chamber Model EVA ) for my company. I received multiple XXXX transfers from buyers via the Binance P2P platform. I provided the digital assets in good faith once the transfers were reflected in my account. On XX/XX/XXXX, I used the consolidated funds to pay the manufacturer, XXXX XXXX XXXX XXXX ( XXXX ), for a total of {$33000.00} USD ( evidence attached ). I have not moved any other funds or made any suspicious withdrawals, demonstrating my intent was strictly commercial. Despite providing all evidence of the legitimate exchange ( Binance receipts and XXXX invoice ), Wells Fargo : * Reversed {$5500.00} USD from two transactions ( {$3500.00} and {$2000.00} ) based on fraudulent " unauthorized '' reports made by the buyers. The bank has ignored my evidence of the completed contract of exchange, effectively allowing these third parties to steal my assets. * Blocked my XXXX services without a timely investigation. * Obstructed my right to defense by sending critical notifications via physical mail with a 7-day delay ( e.g., a notice issued on XX/XX/XXXX arrived on XX/XX/XXXX ), preventing me from responding within their internal deadlines. As a result of Wells Fargos actions, I am a victim of fraud twice : first by the buyers and second by my bank, which facilitated the theft by reversing the funds despite my immediate cooperation and proof of business activity.

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 2026-03-18 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: AL

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 2026-03-18 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: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I am a California resident and took out a {$1000.00} loan with Willow Lake Lending. The loan carries an APR of 738 %, with total repayment exceeding {$5300.00}. I believe this loan is predatory and not compliant with California lending laws. The lender is not clearly licensed in California and is attempting to enforce excessive interest and fees. I am requesting that this loan be reviewed, that my payments be applied to principal only, and that the account be marked paid in full if the principal has been satisfied. I am also requesting that the lender cease all further collection efforts and debits from my 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