vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am submitting a complaint regarding Wells Fargos handling of an account that was marked dormant, and the inaccurate and inconsistent guidance provided through its online disclosures and call center. 

I received the following message in online banking : This account is dormant. Call us at XXXX to reactivate or close your account. 

Issue XXXX Improper dormancy designation ( non-market practice ) : The account was marked dormant solely due to a lack of transactions, despite being regularly monitored through online banking, with activity on other accounts ( a loan balance ). At peer institutions, routine customer monitoring and login activity is sufficient to prevent dormancy. Wells Fargos approach is inconsistent with market practice and creates unnecessary customer friction. 

Issue XXXX Inaccurate and misleading online disclosures : The message states that calling customer service allows a customer to reactivate or close the account. In practice, this was not true. I was repeatedly told that the account could not be closed unless it was first reactivated, directly contradicting the online disclosure. 

Issue XXXX Inconsistent call center guidance and escalation failure : First call : I was told I had to go into a branch. 

Branch visit : I was told the issue could only be handled by calling customer service again. 

Second call : I was told the account could not be closed without first reactivating it and then calling back a second time. When I politely asked to speak with a supervisor, the representative disconnected the call. 

Third call : I was told the account was closed. Minutes later, I received an email stating : We could not close your account as requested because your account has been inactive for an extended period of time. Accounts must be active to close. 

This email directly contradicts both the online disclosure and what I was told on the phone. 

XXXX response : You should be able to re-activate online ( not accurate ). And, no clarity on whether the account will be closed on their end without a second call. 

Summary : Wells Fargo improperly designated the account as dormant, provided inaccurate online disclosures, and delivered inconsistent and contradictory instructions through its call center. The process required multiple calls, a branch visit, and conflicting information to either access funds or attempt a simple account closure.

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 2026-01-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
Amsher Collection Services placed a negative account on my credit report in the amount of {$520.00}. When I called them, they said it was from XXXX XXXX for unreturned equipment by an account at an address that Ive never heard of. The funny thing is they used my old last name instead of my married name. When I told them this was fraudulent, their customer service rep told me to go to their website and fill out a fraudulent activity form with ALL my information. Instead, I called XXXX directly to see if this supposed other account existed, and why it went to collections without me ever being notified. The XXXX customer service rep said that there were no other accounts with my phone number or either last name, besides the current one at my address, and that Amsher was most likely a scam business trying to obtain my information. So I immediately called XXXX  to report this and they advised me to file a report with you as well as the police. I looked up Amsher Collections on XXXX  and they currently have over 300 complaints against them for fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Block, Inc.
State: OH

Complaint narrative:
I received a Cash App card in the mail to my address, BUT not in my name, which I did not ever request. The name on the card is not anybody I have ever heard of. It makes me VERY suspicious that this was sent to me. It makes me suspicious because all I would have to do is scan the XXXX code that came with the card and I would be able to use it in the Cash App, or I can use it at the ATM or shopping wherever Visa is accepted. I tried calling their Customer Support number. Was told there would be a XXXX to XXXX minute wait but I could leave my phone number which I did not want to do because I dont want to be subject to unsolicited phone solicitations. So then it just disconnected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
XXXX XXXX has been texting me about a debt owed and has recently texted my family members and now my ex husband whom I have been XXXX  from since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
They took me to court would not speak with em and help me I received very treating calls. Knocked on my door gave papers to one of my siblings and scared them. I was unaware of this so I tried to call and I was threatened and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: OneMain Finance Corporation
State: IL

Complaint narrative:
I called in XXXX because my payment never came out and the employee assured me that I was paid ahead and did not need to do anything else. I recently looked at my statement and saw only {$0.00} was going towards the principle on multiple payments when it was over {$100.00} going towards the principle before that. I spoke with XXXX at the branch and she said that the girl before put it as a skipped payment that I did not request. I spoke with the home office and they said there is nothing they can do and they will not go back and see where they went wrong and are refusing to give the call logs or notes. I did not ever agree to a skipped payment and am now out a lot of money due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have sent XXXX letters requesting all of this information including but not limited to a debt validation letter, formal complaint, demand for deletion and other letters as they have failed to provided signed contracts, itemized bill of the spending they claim I spent, they continue to simply send invoices with no proof just stating who they took over the account from. LVNV Funding I advised must remove my account from collections they also have not responded in the time periods I have requested. 

I disputed an account with the creditor and credit reporting agencies. The creditor failed to provide lawful validation, including a chain of custody, signed agreement, or itemized billing. Despite this, the credit reporting agencies continue to report the account as verified. This violates the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and 1681i, as the information is not verifiable. I am requesting deletion of the account due to failure to validate and improper verification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My interest is a scam its so high I cant afford to pay my other bills I asked if the refinance they said no. I also saw they reported on my credit incorrectly. This has become overwhelming

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I disputed a charge because the merchant failed to honor a written money-back guarantee, which constitutes services not rendered as agreed. 

Capital One repeatedly treated the dispute as a goods received issue and required documentation related to returns or delivery, which was not relevant to my claim. 

I provided the guarantee language, the merchants denial of the refund, and proof of good-faith attempts to resolve the issue. Capital One closed my case stating I failed to provide requested information, without specifying what was missing or addressing the guarantee dispute. 

I am requesting that Capital One be required to review this dispute under the correct category and provide a clear explanation for the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2026-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2026-01-02 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
Multiple fraudulent transactions with a vendor called XXXX XXXX occurred on or around XX/XX/XXXX. Most of the transactions were blocked, but one went through. I immediately called the credit card company to report these as fradulent. The one that went through was disputed and refunded. The day after I called, another charge went through and was approved. I immediately called to dispute that one as well, but it the charge upheld as my responsibility and the refund was reversed. I disputed this {$400.00} charge least 5 times, each time providing additional evidence for why I was not responsible. Each time, the refund was reversed. 

At some point in mid XXXX, I received a mailed packet of evidence that the company used to deny my reversal. This information claimed that the card was present when I made the transaction, but showed an incorrect zip code was used electronically to swipe the card. To me, this is evidence that I _did not_ make this transaction. I am attaching a scan of this evidence. 

At no point was I ever able to speak to any agent who could provide any insight into the dispute process. 

Ultimately, I closed the account on XX/XX/XXXX. At this time, I was assured that I would receive a payment of the current _negative_ balance of {$490.00}. However, much faster than previous reversals, they denied my dispute, re-billed the {$400.00} and made a transfer of the remaining {$94.00}. I am attaching the final statement showing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Aargon Agency, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a medical collection account being reported on my consumer credit reports by Aargon Agency , Inc . 

This account is inaccurate, unlawfully reported, and should be immediately deleted for the reasons outlined below. 

First, I never authorized the original medical provider or any third party to disclose my protected health information ( PHI ) to this collection agency for the purpose of credit reporting. The reporting and furnishing of this account necessarily involves the disclosure of sensitive medical information, which I did not consent to. This appears to be a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and its privacy protections regarding unauthorized disclosure of medical information. 

Second, this account has been reported to the consumer reporting agencies without proper validation and without a permissible purpose, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I dispute the accuracy, ownership, and legal authority of this collection account. The furnisher has failed to demonstrate that it has the legal right to report this alleged debt or that the information being reported is complete and accurate.

Additionally, medical collections are subject to heightened accuracy and privacy requirements. The continued reporting of this account is causing ongoing harm to my credit profile and financial well-being.

I am requesting that the CFPB require Aargon Agency, Inc to : Immediately delete this medical collection account from all consumer reporting agencies Cease any further reporting or disclosure of my medical information Provide written confirmation that this account has been permanently removed If this matter is not resolved promptly, I reserve all rights to pursue further complaints with the Office for Civil Rights ( OCR ) for HIPAA violations and any additional legal remedies available to me.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding XXXX Banks handling of a debit card dispute involving confirmed counterfeit goods. 

I used my SoFi debit card for a purchase on XXXX in XX/XX/year>. At the time of purchase, I reasonably believed the item to be authentic. When I later attempted to resell the item, it was submitted to eBays authentication program and failed authentication, conclusively proving it was counterfeit. 

I provided SoFi with documentation from XXXX confirming the item was counterfeit, along with seller communications and proof that the seller misrepresented the item. Despite this, SoFi denied my dispute multiple times, stating there was no error because the transaction was authorized.

Payment for illegal counterfeit goods is a void and unenforceable transaction and constitutes merchant misrepresentation and failure of consideration. SoFi has refused to reconsider the dispute under Regulation E or provide the Mastercard dispute reason code used to deny the claim.

I am seeking regulatory review of SoFi Banks refusal to credit funds for a debit card transaction involving confirmed illegal goods and its improper classification of this dispute as no error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, a direct deposit of {$3700.00} was transmitted to JPMorgan Chase. Due to a data entry error, the funds were routed to a valid account number belonging to a third party, rather than my own. 

I contacted JPMorgan Chase immediately on XX/XX/XXXX to report the error. Chase representatives have since acknowledged that the account number belongs to another individual and that this stranger received my funds. 

Despite my immediate notification on the day of the transfer, Chase refused to freeze the erroneous funds or reverse the transaction. They claimed they could " do nothing '' without a recall from the sender, even though I provided proof of the error before the funds had settled. By strictly adhering to this bureaucratic requirement and refusing to act on my immediate fraud/error report, Chase knowingly allowed a third party to retain funds that do not belong to them. 

Chase had the opportunity and the notification required to correct this error or place a hold on the funds to prevent their withdrawal. Instead, their inaction has facilitated the unjust enrichment of another customer at my expense, resulting in the total loss of my {$3700.00} wages. 

I have attached my phone call log on XX/XX/year> and XX/XX/year> to prove my timely action to reach out to Chase and my HR in the attachment section.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent money to the wrong person but have yet to receive a refund when i have requested a refund already

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
XXXX. The website will not allow you to make a pavement if you are even a few days late. 

XXXX. The website often demands that you pay the following months payment, thus causing a burden. 

XXXX. The website demands that you pay via telephone at a phone number that often does not work. 

XXXX. Yamaha collection staff call from odd numbers and refuse to identify who they are or what the nature of the call is without demanding that the customer first verifies personal data. 

XXXX. Yamaha has now reported me as a " 30 day delinquent account ''. This immediately caused on card issuer to close my XXXX balance, high line credit card. 

XXXX. They no longer take debit or credit cards. This is changed in XXXX  without notice. 

XXXX. They do NOT mail statements. 

XXXX They have refused my request to speak with a supervisor/manager regarding the posing of payments and added principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: IN

Complaint narrative:
Starting on XX/XX/year> at XXXX I received a call from Westlake Portfolio Management. I did not answer. At XXXX I received a second call. I did not answer it. At XXXX I received a third call. I did not answer it. At XXXX I received the fourth call. I did answer it. I asked him what it was in regards to and he told me I needed to say yes, this XXXX. I refused to do that because of the scams you hear going around. I asked him what this was in regards to and he said business and I said in regards to what and he said I needed to say Yes, this is XXXX I said correct that is my name and he said No, I need you to say this is XXXX I told him I guess we wouldnt be able to talk since he cant tell me what this is in regards to and I hung up. At XXXX I received a fifth call. Same man who had called previously. I explained that was the fifth time he has called me today. He hung up. He called for a sixth time from XXXX and hung up immediately when I answered. He called back for the seventh time from XXXX and laughed when I answered and hung up. I had no choice but to block both numbers. How I know it was the same company was by googling the second number to see who it belongs to and it is also Westlake Portfolio

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PatientFi, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX and PatientFi operate in a coordinated arrangement where all treatments are paid up front through a PatientFi loan. This loan is purpose-specific and tied exclusively to medical/aesthetic services. 

I discontinued treatment due to medical concerns involving abnormal skin patterning at the treatment site. As a result, a substantial portion of the contracted services were never rendered, and I received no benefit from those unused services. 

Despite this, PatientFi continues to treat the obligation as a valid loan, even though the underlying services were not performed. Neither PatientFi nor XXXX XXXX XXXX has provided an itemized accounting of services rendered, nor explained how unperformed medical services can be considered earned. 

Additionally, PatientFi has claimed that I owe more than the original loan amount, while refusing to provide documentation explaining interest, fees, or balance increases. This raises serious concerns about inaccurate billing and violations of consumer lending disclosure requirements. 

I disputed the debt directly with PatientFi and attempted to resolve the matter in good faith, including offering a settlement. PatientFi has nevertheless moved toward third-party collections without validating the debt or addressing the dispute. 

This arrangement effectively forces consumers to repay loans for medical services they did not receive and can not safely continue, while denying refunds and obscuring balances. I believe this constitutes an unfair and deceptive practice and request CFPB review and corrective action.

Company response to consumer: Closed with explanation