vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
received a Non-Sufficient Funds ( NSF ) grace period notice via email on XX/XX/year>, regarding two pending transactions : {$240.00} {$20.00} The notice stated that my account needed to be brought to a positive balance by XX/XX/year>, at XXXX XXXX to avoid NSF charges. I deposited sufficient funds to ensure the account reflected a positive balance within the stated timeframe. However, despite meeting this requirement, another transaction was authorized through Wells Fargo, which resulted in two additional NSF charges, along with three NSF charges related to a subsequent {$89.00} transaction. This situation raises concerns regarding the fairness of these charges for the following reasons : If a consumer restores their account to a positive balance within the specified grace period, it is unclear how Wells Fargo can still process NSF fees and allow additional transactions to post in a way that generates further NSF charges. This practice creates unnecessary and avoidable fees for the consumer, even when the account holder has complied with the instructions outlined in the grace period notice.

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 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, my wife paid {$600.00} for a service using our Capital One Quicksilver credit card. On XX/XX/XXXX, the {$600.00} payment was refunded. However, because the credit card statement closed on XX/XX/XXXX, the refund was not reflected in the {$7700.00} payment due on XX/XX/XXXX. We pay the full statement balance each month to avoid interest charges. As a result of this timing issue in Capital Ones billing system, the refunded {$600.00} remains included in the XXXX payment amount. We contacted Capital One twice to resolve the issue. During those calls, we spoke with two agents and two supervisors. All of them stated that the refunded amount can not be deducted from the payment due on XX/XX/XXXX. They advised that if we leave the {$600.00} unpaid ( paying {$7100.00} ), interest will accrue on that amount. Three representatives suggested that the interest may be waived when the next statement is issued ; however, no representative could guarantee that it would. We canceled the autopay for {$7700.00} and scheduled a payment of {$7100.00} for XX/XX/XXXX. Additionally, we were not provided with an email or mailing address to submit a formal written dispute directly to Capital One. As a result, we are currently placed in a situation where either ( 1 ) we pay an amount that has already been refunded in order to avoid interest, or ( 2 ) we risk being charged interest due to a billing process outside of our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this letter as my third formal request to have a fraudulent account removed from my credit file with XXXX. The account reflects a balance of {$3100.00}, which is not mine and resulted from identity theft. My personal information was compromised as a result of the data breaches involving XXXX, XXXX, and XXXX, and this account appeared on my credit report without my authorization. I have previously contacted the appropriate parties regarding this matter and was informed that the account would be removed. However, it continues to appear on my credit report. Because this account is fraudulent and does not belong to me, I am formally requesting that XXXX immediately investigate and permanently remove this item from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please conduct a prompt investigation and provide written confirmation once this fraudulent account has been removed from my credit file. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
b"KEY FACTS\n\nOn XXXX XXXX XXXX an unauthorized $XXXX transaction was debited from our Ally Bank checking account.\n\nOn XXXX XXXX XXXX, we reported the unauthorized transaction to Ally Bank (case # XXXX). New debit cards were issued.\n\nOn XXXX XXXX, XXXX, Ally Bank provisionally credited $XXXX to our checking account.\n\nOn XXXX XXXX XXXX, Ally Bank erroneously asserted that the transaction was authorized and closed the investigation.\n\nOn XXXX XXXX XXXX, Ally Bank debited $XXXX from our account, wrongly re-effecting the unauthorized transaction.\n\nDespite the fact that we did all the right things by reporting the unauthorized transaction within a day of its occurrence, by filing a police report with XXXX XXXX XXXX XXXX XXXX XXXX and by persisting with Ally Bank for the opening of two additional reassertion cases and an additional Executive Resolutions case (# XXXX), Ally Bank has to this day failed to provide a satisfactory resolution.\n\nFAILURE TO SHARE REBUTTAL DOCUMENTATION: Ally Bank repeatedly promised to share the rebuttal documentation upon which their investigation conclusion depended, yet again and again they failed to do so. On a call with support on XXXX XXXX XXXX we learned that contradictory policies caused them to assert to us that they would share the rebuttal while simultaneously being disallowed from doing so. Through further communications with Ally, both over the phone and through email, they again promised in writing on XXXX XXXX XXXX that the rebuttal documents would be mailed to our address within 7-10 business days. As of today, XXXX XXXX XXXX those documents have not arrived.\n\nCOMMUNICATION ERRORS: There have been numerous communication errors on Ally's part throughout this process. In speaking with their Customer Service representatives, we have been promised documentation that was never sent. Additionally, regarding the Executive Resolutions case (# XXXX), Ally promised in writing on XXXX XXXX XXXX that an Executive Relations team member would reach out to us directly. They also failed to make good on this promise, and we were never contacted by this team.\n\nSUSPECTED CAUSE OF INCORRECT INVESTIGATION CONCLUSION: We suspect that the vendor (XXXX) incorrectly asserted to Ally Bank in their rebuttal documentation that the transaction was authorized because it resulted in shipment of roughly twenty childrens swim suits to our home items we did not order, did not want, and could not conceivably have a reason to want. However, we cannot address such potential inaccuracies without being able to inspect the rebuttal documentation.\n\nWe unambiguously assert that we DID NOT authorize this transaction. Under 12 CFR Part 1005 (Reg E), it therefore qualifies as an unauthorized electronic fund transfer."

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 2026-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson capital is repeatedly contacting me saying I owe money from a XXXX pay in 4 plan and I called them repeatedly and I said I dont owe money after verifying this information with XXXX. Jefferson Capital then decided to tank my credit score by XXXX points. XX/XX/XXXX : This text is from XXXX XXXX, a debt collector regarding your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account. Visit hXXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX SO Ref # XXXX Reply STOP to opt out. XX/XX/XXXX : We have limited time to work with you before we return your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account to our client. See your options at XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector License Number XXXX. Reply stop to opt-out XX/XX/XXXX : If your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account is returned to our client we may not be able to renew these offers. Save up to {$160.00} in up to XXXX payments when you visiXXXX XXXX XXXX XXXXXXXX or call XXXX. This text is from XXXX XXXX, a debt collector License Number XXXX. Reply stop to opt-out XX/XX/XXXX : Take control of your XXXX ( XXXX MONTHLY LOAN - for which the current creditor is JEFFERSON CAPITAL SYSTEMS LLC ) account. Visit XXXX XXXX XXXX or call XXXX. This text is from XXXX XXXX, a debt collector License Number XXXX. Reply stop to opt-out

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
To Whom It May Concern, This letter is sent in response to your reporting of the above referenced account on my credit file. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I dispute the validity of this debt and request that your office provide competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history beginning with the original creditor. Documentation proving that your company has been legally assigned or purchased the debt. Proof that the statute of limitations has not expired. Proof that your company is licensed to collect in my state. Verification that the amount reported to the credit bureaus is accurate and complete. If your office can not provide the documentation requested above, you must : Immediately cease all collection activity Delete this account from all credit reporting agencies Provide written confirmation of the deletion Please note that reporting unverified information to any credit reporting agency may constitute a violation of federal law. Until proper validation is provided, you must cease collection efforts and cease reporting this account. All future correspondence regarding this matter must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am filing a complaint regarding incorrect credit reporting related to my federal student loan serviced by Nelnet. A 90-day delinquency was recently reinserted on my XXXX credit report after previously being deleted. This delinquency occurred during the federal student loan repayment restart period following the XXXX payment pause. My understanding is that many accounts were transitioning through administrative adjustments, repayment plan processing, and system updates during this period. Because of this transition, I believe the delinquency may have been reported inaccurately. The account is currently reported as current and paid as agreed, and I have resumed regular payments. I respectfully request that Nelnet review the reporting of this delinquency and consider correcting or removing the 90-day late mark from XX/XX/year> due to the repayment restart transition and potential administrative processing issues. I am requesting that Nelnet investigate the accuracy of this reporting and correct any inaccurate credit reporting with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: MI

Complaint narrative:
I am filing a complaint regarding a high-cost installment loan issued by XXXX XXXX XXXX and serviced by XXXX XXXX XXXX On XX/XX/year> I borrowed {$1900.00}. The loan carries an APR of approximately 223.99 %. The total repayment required is {$6600.00}. To date, I have already made 29 payments totaling approximately {$4900.00}, which is more than double the amount I originally borrowed. I reside in Michigan, and I am concerned that this loan may constitute a rent-a-bank lending arrangement designed to evade state consumer lending protections. The interest rate and finance charges are extremely excessive relative to the principal borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint Illegal Collection Activity and Credit Reporting Violations To Whom It May Concern, This letter serves as formal notice that I have filed and/or will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your companys collection activity and credit reporting practices. Your company is currently reporting and attempting to collect alleged consumer debts that I formally dispute. These accounts are being reported to the credit reporting agencies without proper validation and without providing proof that I am legally obligated for the debt. This constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The accounts involved in this complaint include : LVNV Funding LLC / XXXX XXXX XXXX Account : XXXX / XXXX Original Balance : {$1400.00} Date Assigned : XX/XX/XXXX LVNV Funding LLC / XXXX XXXX XXXX Account : XXXX / XXXX Original Balance : {$1800.00} Date Assigned : XX/XX/XXXX Your company has failed to provide adequate documentation proving : A valid contractual obligation between the original creditor and me A legally enforceable agreement assigning the alleged debt to your company Proper validation of the debt as required by federal law Despite the lack of validation, these accounts continue to be reported to XXXX, XXXX, and XXXX, causing significant harm to my credit profile. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must provide validation of the alleged debt upon request. Additionally, the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) prohibits the reporting of inaccurate or unverifiable information to consumer reporting agencies. Because your company has continued to collect and report information without proper verification, I believe these actions constitute unlawful collection practices and inaccurate credit reporting. Therefore, I am requesting the following remedies : Immediate investigation of the disputed accounts written validation and documentation of the alleged debts Immediate cessation of all collection activity until validation is provided Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I was robbed at XXXX point in which my purse was taken on XXXX XXXX in XXXX, Illinois, I received notice from XXXX, and XXXX around the same time that their companies had a data breach. In XXXX of XXXX I began receiving collection notices and mail regarding overdrawn checking accounts, I reached out to XXXX, early Warning to get my consumer reports and accounts were open at XXXX, XXXX XXXX XXXX XXXX with overdrawn balances. I received notice from IRS that taxes were filed fraudulently using my social security number as well. I sent police report, IRS identity theft letter, FTC fraud verified notice to XXXX, early warning and they refuse to remove accounts from my file stating my information is accurately reported. It would be accurate if someone uses my drivers license in my stolen purse. I would like a lawsuit filed against Early Warning company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XX/XX/XXXX Subject : Identity Theft Block Request Under 15 U.S.C. 1681c-2 To Whom It May Concern, I am writing to formally request that you block and remove fraudulent accounts from my credit file pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. I am a victim of identity theft, and the accounts listed below were not opened or authorized by me. Under federal law, once a consumer reporting agency receives proper documentation of identity theft, it must block the reporting of fraudulent information in the consumers credit file within four ( 4 ) business days. Enclosed with this letter are the required documents to support my request : A copy of my FTC Identity Theft Report A copy of my government-issued identification Proof of my Social Security Number Proof of my current address Please note that the law does not require a police report when an FTC Identity Theft Report is provided. Therefore, the enclosed documentation satisfies the statutory requirements for blocking fraudulent accounts. Fraudulent accounts to be blocked and deleted from my credit file include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX In accordance with federal law, you are required to block the reporting of this XXXX XXXX within XXXX ( XXXX ) business days of receiving this request. Please send written confirmation once these accounts have been permanently blocked and removed from my credit file. If you need additional information to process this request, please contact me at the address listed above. Thank you for your prompt attention to this matter. Sincerely, 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 explanation
Consumer complaint received 2026-03-13 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: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding PayPals refusal to reimburse multiple unauthorized transactions from my account. XXXX transactions were made to XXXX XXXX without my authorization. I immediately reported these transactions to PayPal. XXXX investigated and confirmed that XXXX transaction was fraudulent and refunded {$1500.00}. However, despite occurring under the same circumstances and involving the same merchant, PayPal denied reimbursement for the remaining transactions. Transaction details : Refunded : Transaction ID : XXXX Case ID : XXXX Amount : {$1500.00} Denied : Transaction ID : XXXX Case ID : XXXX Amount : {$2000.00} Transaction ID : XXXX Case ID : XXXX Amount : {$2000.00} Transaction ID : XXXX Case ID : XXXX Amount : {$1200.00} Because XXXX already determined that XXXX transaction in this sequence was fraudulent, the remaining transactions should also be treated as unauthorized activity. The total amount still owed is {$5200.00}. I am requesting that PayPal reopen the denied cases and issue reimbursement for the remaining unauthorized transactions. If the issue can not be resolved promptly, I intend to proceed with arbitration as permitted under PayPals User Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I had an Auto loan with XXXX XXXX for a XXXX XXXX from XXXX. My car was totaled after XXXX XXXX in XX/XX/XXXX. My auto insurance & XXXX insurance companies completed payments to XXXX XXXX after they determined the car was inoperable. XXXX XXXX proceeded in XX/XX/XXXX to Charge off the remaining debt ( late fees, other fees ) WITHOUT notifying myself or the other co-signer in writing. In late XXXX, XXXX XXXX removed their account from mine and the co-signer 's 3 Credit Reports. We received a " Settlement Offer '' after this Charge Off event in XXXX XXXX, after it had been removed from all credit reports. That is the only written communication we ever received as far as debt collection issues. On XX/XX/XXXX, we discovered they re-reported this account, after it had been removed & deemed charged off, to all 3 Credit Reporting Agencies. I am requiring that XXXX XXXX either take the time to send an official " Debt Charged Off " Letter OR remove any and all records of this account off of our Credit Reports immediately. I absolutely regret the day we decided to do business with XXXX XXXX as they are the shadiest lenders I have ever encountered.

Company response to consumer: Closed with non-monetary relief