vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - ONLINE INFORMATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One Bank is with holding my money in the amount of XXXX plus they refuse to reverse the credit of XXXX, XXXX and XXXX which it was an unauthorized transaction. I have generated all documentation to Capital One Bank early on in the complaint whereas I have given Consumer Financial Protection Bureau copies. I will file a Civil Complaint through the District of Maryland against Capital One Bank who alleged accusing me of knowing the Merchant. However, I have contact Send wave whereas they are the Merchant who does international banking. Capital One Bank have exposed my personal information on XXXX XXXX through Dark Web page. What was expose was my social Security Number Identity bank information along with Email address. My account was hack. They are refusing to release my credit back. They sending these letters telling me nothing change. No documents where never sent to XXXX XXXX. They have my email and home address. Please see attachment Please see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
It was on XX/XX/XXXX at XXXX XXXX then XX/XX/XXXX I was driving I told them I had asked for them not to call me to put everything in writing and the guy went to go argue with me and the weather was bad and I had to disconnect. I have told them time and time this is due to identity theft and they have done nothing but harassed me. I want it stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On or around XX/XX/year>, I was given incorrect payment guidance by a Fifth Third Bank representative after my late and over-limit fees were waived. I specifically asked what amount I needed to pay to avoid additional fees or increased balances the following month. I followed the instructions provided. I later received conflicting information and different payment amounts from multiple representatives. I asked for an itemized breakdown on the payment they were requesting and I was denied and then later told I was already told what it was. I requested a supervisor at least five times during a two-hour interaction and was refused and/or ignored each time. I was told I did not need to speak to a supervisor. I was told a supervisor could call me four hours later at approximately XXXX XXXX after already spending over two hours attempting to resolve the issue. A supervisor later provided no ownership or resolution and transferred me to the hardship department. The hardship department stated I only owed {$37.00} more, yet my online account reflects an additional {$170.00} owed, with no explanation for the discrepancy. Due to the banks negligence and incorrect guidance, I will have paid {$320.00} for a single credit card payment, causing financial strain and forcing me to adjust my monthly budget unexpectedly. The bank has refused to acknowledge their error or correct the account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: AL

Complaint narrative:
Subject : Unauthorized {$270.00} Charge and Denial of Service for Undisputed Debt ( XX/XX/XXXX Lockout ) The Issue : I am being coerced into paying an unrecognized charge of {$270.00} to maintain my professional XXXX XXXX email and XXXX of business data. As of today, XX/XX/year>, the company has suspended my account, resulting in a total lockout of my business operations because I refuse to authorize a fraudulent transaction. Chronology of Events : XX/XX/year> : Usage was recorded for " AI Ultra Access '' and " Google Workspace Business Standard ''. XX/XX/year> : An official invoice ( No. XXXX ) was generated for the amount of {$47.00}. XX/XX/year> : I identified a discrepancy where the online payment portal reflected a balance of {$270.00}, which is {$230.00} higher than the documented invoice. XX/XX/year> : I contacted customer support multiple times. Representatives claimed the additional {$270.00} originated from " Google Play, '' yet my official order history for that service shows {$0.00} spent and no transactions. XX/XX/year> ( Today ) : This was the final deadline for payment. Because the payment system is configured to automatically pull the full {$270.00} from any linked card, I was unable to pay the undisputed {$47.00} without being overcharged. Consequently, the company suspended my account today. Company Actions and Support Failure : Forced Overpayment : The companys technical infrastructure prevents the payment of undisputed debts if a disputed balance exists on the same profile. Removal of Recourse : Upon account suspension on XX/XX/XXXX, the company removed the " Live Support '' and " Get Help '' icons from my administrative console. This has created a " Catch-22 '' where I can not reach a human to fix the billing error because the account is suspended, and it is suspended because of the error. Service Denial : I am currently unable to send or receive business emails, and access to my XXXX of data is blocked. Regulation E and Legal Violation : Under the Electronic Funds Transfer Act ( Regulation E ), a provider must investigate reported errors and can not force a consumer to pay unauthorized amounts to maintain basic service access. The company is holding my business data hostage for a debt they have failed to document or itemize. 2. Desired Resolution Immediate Reinstatement : Restore access to the Workspace account and email services so business operations can resume. Balance Correction : Remove the unrecognized {$270.00} charge from the payments profile. Separation of Debts : Allow for the standalone payment of the undisputed {$47.00} invoice to settle the actual debt owed.

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Smith Carroad Wan & Parikh, P.C.
State: CA

Complaint narrative:
On XX/XX/XXXX I was contacted via telephone by XXXX XXXX XXXX of the law firm Smith Carroad Wan & Parikh , P.C . She stated she was collecting a debt on behalf of XXXX XXXX XXXX sales in the amount of {$340.00}. I disputed this verbally and offered to send documentation. She provided me her email address and I emailed the necessary documentation showing that I had indeed paid the debt ( XXXX email chains, and the transaction confirmation from XXXX XXXX XXXX ). I requested that she confirm the documents were received and the matter was closed. I did not get any response from XXXX XXXX XXXX XXXX XXXX. However, yesterday, on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, notifying me the matter is open and again accusing me of owing {$340.00} to XXXX XXXX, and giving notice they would take action if I do not settle the debt. The letter designates XXXX XXXX as the appropriate contact to address the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Sequium Asset Solutions, LLC
State: DE

Complaint narrative:
I am submitting this complaint regarding collection attempts by Sequium Asset Solutions , LLC and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently received communications from Sequium XXXX XXXX claiming that I owe a XXXX balance of {$3500.00}. I have never entered into any agreement or contract with Sequium XXXX XXXX and I dispute the alleged debt. I requested that the company provide verification of the account, including documentation showing that the debt belongs to me and that they have the legal authority to collect it. To date, no verification has been provided. I also received a collection communication from XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged account with XXXX XXXX XXXX XXXX. I similarly dispute this account and requested proper validation. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), consumers have the right to request validation of an alleged debt before collection activity continues. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), any disputed account must be properly investigated before it can be reported or continued to be reported. I am concerned that these companies are attempting to collect debts without providing sufficient verification or documentation and may be attempting to collect amounts that can not be properly substantiated. I am requesting that this matter be investigated and that the companies involved provide proper documentation validating the alleged debts or cease collection efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Validation of Debt Request - ALDOUS XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX failure to provide the marketed benefits of the Active Cash Card, its consistent pattern of unreliable communication regarding a credit card dispute ( XXXX XXXX, Claim ID XXXX ), and a failure of Reasonable Investigation under XXXX XXXX XXXX. Wells Fargo aggressively markets this card using content like " Credit Card Benefits You're Probably Forgetting to Use, '' which explicitly promises " dispute resolution '' to provide customers with " peace of mind. '' My experience has been the opposite of this promise. XXXX of XXXXXXXX XXXX XXXXXXXX Failures : ( XXXX ) XX/XX/year> : I opened the dispute and proactively submitted evidence. On XX/XX/XXXX, the bank stated they would reach out if they had " additional questions. '' ( XXXX ) XX/XX/XXXX : Without ever contacting me for clarification as promised, the bank summarily closed the case for " insufficient evidence. '' This violates the Reasonable Investigation requirements of 12 CFR 1026.13, and directly contradicts the " peace of mind '' and " protection '' benefits advertised for the XXXX XXXX XXXX. ( XXXX ) XX/XX/year> : Per a new directive from the bank, I paid for a professional second opinion from an independent mechanic and submitted it. ( XXXX ) XX/XX/XXXX : Wells Fargo reopened the case ( Claim ID XXXX ) and sent a written commitment stating : " We'll receive this additional information and get back to you in XXXX days. '' The Current Issue : As of XX/XX/year> ( XXXX days later ), the bank has failed to meet its own XXXX commitment. The online tracker remains stagnant at " Opened. '' By ignoring a professional second opinion that I obtained at my own expense per their instructions, the bank is rendering its marketed " XXXX XXXX '' benefits meaningless. This is misleading to consumers who choose this card based on the promise of robust dispute protections.

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 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
XXXX XX/XX/XXXX, I applied for a spousal loan separation from a federal consolidation loan that I previously shared with my ex-husband. The original loan balance was approximately {$29000.00} and originated in XXXX. I mailed the loan separation application on XX/XX/XXXX. After speaking with a customer service representative on XX/XX/XXXX, I was told to submit the application electronically instead, so I emailed the application that same day. After waiting the recommended 15 days, I contacted the servicer and was told the application had not been received. I was asked to send it again. On XX/XX/XXXX, I received notice that the application had been received but required corrections. I made the requested corrections and resubmitted the application the same day. The loan separation was later approved and a new loan was created in my name for approximately {$7400.00}, which was the correct amount for my portion of the loan. However, in XX/XX/XXXX the servicer processed a second loan under my name for approximately {$13000.00} that I did not request or authorize. Customer service later indicated that the company almost created a third loan but stopped it before completion. This indicates there were serious processing errors while my account was being handled. Since XX/XX/XXXX, I have been repeatedly contacting the company to have the duplicate loan removed, but it still remains active. The incorrect loan has created multiple issues including inaccurate debt amounts, increased debt-to-income ratio, and negative credit reporting. Additionally, my account was placed into forbearance while the company investigated the error, but the forbearance time being used appears to be my personal hardship forbearance eligibility rather than an administrative hold placed by the servicer. This issue was not caused by missed payments or an inability to repay. It was caused by servicing errors during the loan separation process. I am requesting assistance to ensure the duplicate loan created in error is immediately reversed and removed, the correct loan balance is restored, and any credit reporting harm resulting from this error is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I am filing a complaint against PNC Bank because I'm a recent victim of a theft. Two unauthorized transactions totalling {$130.00} where taken out of my account even though I told PNC they were not mine nor authorized by meXXXX The first one was for XXXX from XXXXXXXX XXXX XXXXXXXX in XXXXXXXX XXXX on XX/XX/2026. I did shop there that day for 2 purchases from the XXXX for XXXX and XXXXXXXX That's all! This XXXX, NOT MINE! I reached out to XXXXXXXX XXXX XXXX but they couldn't help. They said call your bank. I also sent an email to their parent company, XXXX but heard nothing! The second transaction for XXXX, occurred on line on XX/XX/2026 paid to someone I've never heard of called XXXX XXXXr, again NOT MINE!! I disputed these with the bank. I always thought the bank was insured for fraudulent activity and theft so your money was safe but apparently not. Eventually I received a letter stating that their investigation determined no error occurred so, I'm liable for the charges! XXXXXXXX This is straight up " Theft '' XXXX I'm a XXXX living on a fixed income and these charges I DID NOT MAKE!! I've been with this bank XXXX years and expected better! Are they saying I'm lying? How dare they! Can XXXXXXXX XXXX XXXX produce security photo showing me exiting with {$58.00} in merchandise? No, because I didn't!!! There's some kind of scam going on here or possibly an unintentional errorXXXX or both. Either way, I'm a victim and I need my money back! THIS IS THEFT!!! I intend to go to the State Attorney if necessary. I'm being ripped off!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Netspend Corporation
State: MD

Complaint narrative:
XXXX XXXX I brought a NETSPEND PREPAID CARD to load funding to make a purchase I load {$120.00} and they told me I had a block on my account and couldnt activate the card in which they told me that I will receive a check in the within 10 business days. Now this was back in XXXX XXXX it is now XXXX XXXX now they are telling me the system is down and cant access my account I just want my money now I have a electric bill that is due and need my money.

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 2026-03-04 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I took out a pay later loan with Synchrony to finance the purchase of a new HVAC system with XXXX XXXX XXXX XXXX here in Utah on XX/XX/XXXX. I made regular payments of the loan for the entire duration of the loan and never missed a payment. I intended to pay off the loan in its entirety by the promotional loan expiration date ( XX/XX/XXXX ). I got my dates confused, and panic logged in to pay off the loan on XX/XX/XXXX. I wrote in to a synchrony agent ( via online chat ) on XX/XX/XXXX asking what the payoff amount was, and if I could still pay this amount and have the interest waived. I was told that the payoff amount was {$4200.00}, and if I made that payment that day that interest would be fully waived. I made that payment of {$4200.00} on that day. I wrote in again to synchrony online chat support on XX/XX/XXXX, since I did not see the XXXX update to reflect my {$0.00} balance, or that the interest was waived. I was told again that rest assured, the {$3200.00} interest would be waived by XX/XX/XXXX, and that my account had a {$0.00} balance. On XX/XX/XXXX, my account still withdrew {$210.00}, so I wrote in yet again, and was assured now that the interest would be waived and that this overpayment of {$210.00} would be refunded to me within " 7-10 business days ''. The XX/XX/XXXX deadline passed, and my account still had not gone to {$0.00}, interest was not waived, and account still reflected a large interest balance outstanding. At some point after this date, I called the customer service line and spoke with a representative. The representative assured me that now come the next billing cycle close of XX/XX/XXXX, my account would correctly reflect the {$0.00} balance, interest would be waived, and I would have my {$210.00} overpayment check in the mail. I was also told to turn autopay off so I didn't overpay anymore. Come XX/XX/XXXX, not only was I charged more interest, but I was also charged a late fee of {$35.00}. Account balance still does not reflect {$0.00} balance I have repeatedly been told is true.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
Validation of Debt Request - MILITARYSTAR - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company 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