vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Collections, Inc.
State: TX

Complaint narrative:
I disputed this account with Express Collections in writing on XX/XX/year>, requesting validation of the alleged debt, including the original signed agreement, proof of assignment, complete payment history, and documentation supporting their authority to collect and report the account. XXXX Collections responded but failed to provide sufficient documentation. The information provided included a lease associated with an address that is not mine and has never been my residence. This raises serious concerns about the accuracy of the alleged debt and whether it has been properly attributed to me. Additionally, XXXX Collections did not provide proof of assignment, full payment history, or documentation supporting their authority to collect or report the debt. Despite the account being formally disputed and not properly validated, XXXX Collections continues reporting this account to consumer reporting agencies. I made a good faith effort to resolve this directly, but the company failed to adequately investigate or correct the issue. Continued reporting of inaccurate or unverified information may violate the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and XXXX XXXX XXXX XXXX. I am requesting that Express Collections either provide full and proper validation or delete the account from all credit reporting agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AE

Complaint narrative:
In XX/XX/XXXX, a late payment was reported on my Capital One auto loan account. This occurred during a government shutdown which temporarily affected my income, and I had requested a payment deferral at that time and they originally said they would do XXXX deferments but I had to call back for the second one then refused to do the second one after explaining what happened. ( XXXX also stationed in XXXX and had to fly home to physically sell the car which I notated on the account and to capital one ) In XX/XX/XXXX, another late payment was reported. I had sold the vehicle tied to this account on XX/XX/XXXX. The payment due XX/XX/XXXX, was paid by XXXX on XX/XX/XXXX. I was no longer responsible for the payment at that time. I have contacted Capital One directly to dispute these late payments, but they have refused to correct or update the reporting, stating the account is closed. These inaccurate late payments are now preventing me from closing on a VA XXXX loan. My lender, XXXX, requires documentation from Capital One acknowledging the extenuating circumstances and payment timing so that underwriting can proceed. I am requesting that Capital One provide a formal statement acknowledging the circumstances and confirming the accounts status, or correct the reporting if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
On XXXX, I noticed fraudulent activity on my XXXX XXXX Credit Card. There were unauthorized purchases made on the card that I did not initiate or approve. The next morning, I immediately contacted XXXX XXXX Department to report the unauthorized transactions. XXXX acknowledged the issue and opened a fraud claim. A few weeks later, XXXX packages related to the fraudulent transactions were delivered to my home address. At the time of delivery, I was traveling internationally and was therefore unable to immediately notify Target or refuse delivery. After returning from my trip, I attempted to return the packages at a XXXX store, but the return was denied. I then contacted Targets online and phone support multiple times requesting assistance with returning the items. These requests were also denied, with representatives stating that the return window had closed, despite the purchases being fraudulent. In late XXXX or early XX/XX/year>, XXXX denied my fraud claim, stating that the packages were delivered to my address. As I never made or authorized these purchases, I immediately filed an appeal of this decision. Since submitting the appeal, I have contacted XXXX support approximately once or twice per month seeking a status update or resolution. Each time : I am connected to a different support representative and must reexplain the entire issue. Representatives state they can not directly contact the department responsible for fraud claims. I am repeatedly advised to call back after a week, 15 days, or a month. Multiple supervisors have been involved but have not provided any resolution. The only action described is adding internal notes to the claim. I requested a written history of my fraud claim, including dates, decisions, and actions taken. XXXX informed me that they can not provide any claim history via email or mail. Despite my fraud being reported immediately and acknowledged, and despite repeated followups over several months, the matter remains unresolved. I continue to be held responsible for charges resulting from unauthorized and fraudulent transactions, with no written explanation or meaningful progress on my appeal. The unauthorized transactions totaled approximately {$1100.00}. As a result of monthly interest and penalty charges assessed during the unresolved dispute, the balance has now increased to {$1300.00}, further compounding the financial harm. XXXX case XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: OK

Complaint narrative:
Starting on XX/XX/XXXX cash app took my green status over {$5.00} showing up a couple hours late because of the short month. I contacted them and explain to them all the problems that was going to cause and that would make it hard for me to make my loan payments that I had always kept up until this point but they refused to do anything. And then today I had money sent to help me with my rent and they took it. I didn't have auto pay on or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was charged overdraft fees and experienced account freezes and closures. I believe these may have been improper or part of past enforcement actions. I am requesting a full review, refund of fees, and any compensation owed. XXXX bank wells fargo and XXXX XXXX XXXX XXXXXXXX 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
To date, this information has not been provided. Under the FCRA, any information that can not be verified must be removed. Reporting unverified or inaccurate information is a violation of federal law and is causing harm to my credit profile. I am requesting the immediate deletion of this account from all credit reporting agencies if proper validation can not be provided. Additionally, if this account has been paid or settled, I am requesting a goodwill deletion in the interest of fair and accurate credit reporting. Please investigate this matter and ensure compliance with all applicable laws.

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 2026-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
We had a very frustrating experience with Rocket Mortgage and would not recommend them for a refinance or at all, really. We applied for a XXXX refinance on XX/XX/year>. After deciding to move forward with a different lender, it took over a week for Rocket to finally withdraw our application, despite multiple requests. The process felt unnecessarily drawn out and disorganized. Throughout the application, fees were not clearly disclosed upfront and seemed to change along the way. What was initially presented did not match what we were later told, which raised concerns about transparency and felt uncomfortably close to predatory lending practices. Things like closing costs changing, escrow costs not being disclosed, pre paid mortgage interest being left out, etc. We were also quoted a XXXX week timeline to close on a refinance, which is significantly longer than other lenders we spoke with. On top of that, we were told early on that closing costs could be rolled into the refinance, only to have that changed later after we questioned it and referenced guidelines. To make matters worse, prepaid escrow and mortgage interest were not included in the initial closing cost estimates and only appeared much later in the process which made the true cost of the refinance unclear until the end and when we brought that up, we were dismissed. Overall, this experience lacked transparency, consistency, and efficiency. Today, I attempted to speak to an agent after sending multiple emails to XXXX XXXX to resolve our issues and I was dismissed again. The agent, XXXX XXXX, was not only wildly unhelpful but advised that despite being on hold for the better part of an hour, all she could do was send another email to her team asking that they do what should have happened last week. All we really needed was someone to go to FHA connections portal and release my case number. Its as simple as logging into a website and unchecking a box, and XXXX here still trying to get someone to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a formal complaint regarding the mishandling of my credit card account following the transition of the XXXX credit card partnership from Wells Fargo to another financial institution. Prior to closing my Wells Fargo credit card account, I had autopay enabled. Due to this setup, XXXX automatic payments were processed : XX/XX/year> : {$4400.00} ( scheduled due date payment ) XX/XX/year> : {$8900.00} This resulted in an overpayment of {$4400.00}. I have since received a refund of this overpayment. After noticing the duplicate payment, I contacted Wells Fargo to request a refund. Instead of simply processing the refund, the representative informed me that they would cancel the XX/XX/year> payment. This payment was my on-time payment for the billing cycle and should not have been reversed. As a direct result of this action : My valid, on-time payment was removed My account was incorrectly treated as unpaid I was charged {$110.00} in interest in XX/XX/year> A balance is now showing due on XX/XX/year> I have made multiple attempts to resolve this issue with Wells Fargo XXXX During a prior call, I was instructed to call back in XXXX days for a status update. However, when I followed up, no representative was able to locate any record of the prior request. I have repeatedly had to explain the situation, and the issue remains unresolved. I dispute the interest charge and any associated balance resulting from the improper reversal of my XX/XX/XXXX payment. I made all required payments on time and should not be penalized due to an error caused by your representative.

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 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I disputed this account directly with Experian and also called both debt collection which are uploaded down below, I explained that I never authorized or opened this account. Despite this, Experian continues to report the collection as verified without providing sufficient proof that the debt belongs to me. This inaccurate reporting is harming my credit and violates my rights under the Fair Credit Reporting Act. I am requesting immediate deletion of this collection account and written confirmation of the investigation results.

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 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for a credit card but was dinied, I then accessed my credit report for verification and accuracy of the information listed, it is then that I discovered items previously disputed and removed that were still listed on my credit report. These items keeps coming back from time to time and I'm asking for these items to completely be removed once for all as it's a violation of my Consumer Credit Reporting Act ( CCRA ) right. This issue as cause Prejudice to my rights as a consumer and I'm requesting these items to be removed immediately by these creditors and all credit bureaus - 15.USC1681c ( b ). for failure to maintain maximum possible accuracy - 15.USC1681s-2 ( b ) for failing to update or correct information after being notified. inaccuracy - 15. USC1681 ( I ) as a failure to reasonably investigate and remedy this reporting suppress my credit wordiness

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CO

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding the wrongful denial of a {$400.00} new account promotion ( XXXX XXXX : XXXX ) for my Truist XXXX Checking account ending in XXXX. I enrolled in this promotion on XX/XX/year>, and have successfully met the core requirement of completing qualifying direct deposits totaling over {$2000.00}. On XX/XX/year>, Truist 's automated system flagged my account as " XXXX '' for the bonus. Upon contacting Truist, I was informed the denial is due to a temporary negative balance. I strongly dispute this for the following reasons : Marketed Account Features : The Truist XXXX Checking account is explicitly marketed as having a {$100.00} Negative Balance Buffer. My account remained within this buffer and was corrected to a positive balance within XXXX hours. It is contradictory and predatory to market a " Buffer '' feature while simultaneously using that feature as a trap to disqualify customers from earned promotions. Account XXXX : At no point was the account closed or charged an overdraft fee. The account remained " in good standing '' per the operational definitions of the Truist XXXX product. Prior Resolution Attempts : I spoke with Supervisor XXXX XXXX on XX/XX/year> ( Internal Case Number : XXXX ). While a complaint was opened, I was informed that the bank does not intend to contact me or resolve the forfeiture of the {$400.00} bonus. I have fulfilled my obligations to the bank by moving my primary direct deposits to this institution. I am requesting that Truist honor the promotion and credit the {$400.00} bonus to my account immediately. While the account briefly dipped negative, I corrected the balance to positive within XXXX hours. The account remained open and active throughout

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 2026-04-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In approximately XX/XX/1995, a XXXX account was established in my name as a minor beneficiary. I possess documentation of this account, including the account number, and the account appears to have been a trust or custodial account created following my fathers death. Recently, I attempted to locate this account and determine what happened to the funds. I contacted Bank of America multiple times, including speaking with estate services, multiple times due to being placed on hold then disconnected several times. I provided the account number and identifying information. My full name and social and my fathers full name and social and my mothers full name. I also visited a Bank of America branch in person. At the branch, I was told that records are destroyed after XXXX years and was advised to try Googling it, which I found to be an inadequate and unprofessional response given the nature of my request. Bank of America representatives have stated they can not locate any record of the account and have repeatedly cited record retention limits. This does not address the core issue. The account is confirmed to have existed. Therefore, funds must have been deposited and subsequently transferred, withdrawn, or otherwise disbursed. However, the bank has not provided any of the following : - Account closure records - Disbursement or transaction records - Identification of authorized parties - Any transfer or escheatment details I am not requesting confirmation of whether the account is currently active. I am requesting a historical trace and a clear explanation of what happened to the funds associated with this account. As it appears they belonged to me, and no one else. I am requesting that Bank of America conduct a full archival or legacy systems investigation and provide a written explanation of the disposition of this account and any associated 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 explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Nordstrom/TD Bank is reporting a closed credit card account on my credit report for account number ending in XXXX XXXX with a balance of {$1800.00}, currently listed as a charge-off. I have concerns regarding the accuracy of the reported balance, completeness of account history, and lack of proper documentation and communication related to this account. I have not received clear or sufficient information regarding : How the reported balance of {$1800.00} was calculated, particularly since it exceeds the stated credit limit of {$1400.00} A complete payment history showing how payments were applied over the life of the account An itemized breakdown of interest, fees, or penalties contributing to the balance Documentation supporting the final charged-off balance Additionally, I did not receive adequate communication regarding : The status of the account prior to charge-off Any opportunities to resolve or cure the account before it was reported negatively Clear notice of how and when this account was reported to the credit bureaus Because of this lack of transparency, I am concerned that : The balance may be inaccurate or improperly calculated The amount exceeding the credit limit may reflect unverified fees or charges There may be missing, misapplied, or uncredited payments The account may be reported incompletely or inaccurately Consumer Rights Concern These issues raise concerns under : The Fair Credit Reporting Act ( FCRA ) for accurate and complete reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

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