vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I reside in XXXX XXXX and contacted Wells Fargo via international calls in XX/XX/year> requesting the CD not be reinvested. This request was ignored. Recontacted Wells Fargo in XX/XX/year> asking why the XX/XX/year> request was ignored and contrary to Wells Fargos policies a CD was reinvested for an XXXX XXXX XXXX XXXX XXXX XXXX  operating bases in XXXX. I was told by Wells Fargo verbally and in writing to visit a Wells Fargo branch to resolve the issue - presumably by initiating early withdrawal of my money from the CD, likely including fees, despite XXXX XXXX admission they were told in XXXX I was living in XXXX and did not want the CD to renew. The Wells Fargo branch in XXXX- the only branch in my country of residence - does not engage in US individual banking. Over a hundred hours of international toll phone calls have been made to Wells Fargo branches and corporate offices trying to resolve this issue with XXXX resolution. 

XXXX branches are reachable via phone and the only branch in XXXX refuses to assist. Wells Fargo acted and continues to act in bad faith by repeating instructions it knows to be impossible to comply with to resolve the issue.

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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XXXX I initiated a transfer from a credit union acct in the amount of {$200.00} to my Venmo balance. I was told the funds would be available to use by XX/XX/year>. At no point yesterday were the funds available and my car broke down. I called Venmo three times and was on hold for over three hours being transferred to supervisor team that I never reached every rep I spoke with stated the had no control over the funds being released.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I did not receive any notification of this debt. The collector did not wait a year to put this on my credit report. Can't even get in touch with the person over the debt. Wrong info provided and little as well. Insurance ( XXXX ) confirmed it was active since XXXX, but claim was not sent correctly until XX/XX/XXXX of this year. Horrible and Predatory company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: IN

Complaint narrative:
A fraudulent charge of {$74.00} XXXX  XXXX XXXX was made on my account which was impossible because I was physically at work and card and wallet in my pocket. I filed a dispute with chime, gave them all the details and was told that no error had occurred which was false and told my claim was denied. I asked chime to deactivate my card the day of the incident and still hadnt deactivated the card until I called again the following week with questions about another charge. Im up right now on XX/XX/XXXX on the phone with chime from XXXX to now disputing the findings. This is the reason for me filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have repeatedly disputed the debt said to be owed by LVNV. 

I am disputing an alleged debt being reported/collected by LVNV Funding LLC XXXX I requested debt validation and provided documentation, but the company did not respond. 

On XX/XX/year>, I mailed a written debt validation request via certified mail. The documentation attached shows proof of delivery. I did not receive any response or validation documents. 

After receiving no response, I mailed a follow-up letter on XX/XX/year> via certified mail ( documentation and proof of delivery attached ) requesting that the account be removed from my credit reports due to lack of validation. LVNV still has not provided any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NJ

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, while I was XXXX  for a XXXX XXXX XXXX, my authorized family members made multiple payments toward my American Express credit card account from my checking account. These payments were valid and authorized, but the total amount caused my checking account to overdraft. 
On XX/XX/year>, American Express, in coordination with my bank ( XXXX ), returned the payments due to my medical hardship and overdraft situation. At that time, the situation was handled appropriately, and I did not dispute the legitimacy of the payments. 
On XX/XX/year>, I contacted American Express to request a waiver of the returned payment fees, given my medical condition and the prior coordination with my bank. During this call, I was incorrectly instructed by an American Express representative to open a fraud claim instead of addressing the issue as a payment-related adjustment or dispute. This guidance was incorrect because the payments were authorized. 
Based on this misinformation, a fraud claim was opened. On XX/XX/year>, the fraud claim was denied because the payments were valid. As a direct result of this incorrect guidance, American Express re-billed the returned payments, applied multiple returned payment fees, and assessed additional interest and late fees. 
The re-billing included multiple Fraud Credit Reversal entries dated XX/XX/year>, for amounts including {$90.00}, {$250.00}, {$290.00}, and {$300.00}, along with late fees and interest. This caused my account balance to increase from approximately {$1100.00} to over {$2300.00}, even though I did not make new purchases. 
I contacted American Express multiple times to resolve this issue. Internal account notes later acknowledged that I had been provided misinformation by more than XXXX representative, that the fraud process was incorrect, and that the matter should have been handled as a payment-related issue. A XXXX XXXX XXXX XXXX XXXX XXXX representative was involved, and the situation was documented as having the potential to become an executive escalation. 
On XX/XX/year>, the case was reopened and a detailed internal note was added acknowledging the incorrect process and the financial and emotional distress caused. Despite this, the case was later closed without reversing all returned payment fees or correcting the balance increase caused by the servicing error. 
I am not disputing the legitimacy of the original payments. My complaint concerns incorrect servicing and financial harm caused by American Expresss guidance on XX/XX/year>, including improper fraud handling, returned payment fees, re-billing, and related interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/year>, unauthorized debit card transactions totaling approximately {$1200.00} were made on my checking account, including hotel charges I did not authorize or benefit from. I reported the fraud to Bank of America and filed a formal claim on XX/XX/year>. The bank initially issued provisional credit while the claim was under investigation. 

After completing its investigation, Bank of America reversed the provisional credit and asserted that no fraud had occurred. The bank did not provide any written explanation of its findings, evidence relied upon, or investigative methodology. I was only instructed to call a phone number if I wanted an explanation, and no written results were ever provided. 

The immediate reversal of the credit caused my account to become severely overdrawn, consuming my paycheck and leaving me unable to pay rent, buy food, or meet basic living expenses. I was not given advance notice or an opportunity to contest or appeal the determination before the funds were withdrawn. 

Between XX/XX/XXXX and XX/XX/year>, Bank of America repeatedly notified me that my account remained overdrawn between approximately {$890.00} and {$900.00} for over 50 days, with electronic transactions being declined. Because the negative balance was never resolved and no investigation documentation was provided, I was unable to recover the account, which was later closed due to inactivity. 
To date, Bank of America has not provided written notice explaining how it determined the transactions were authorized or what information was used in reaching that conclusion. I am requesting review of the banks compliance with the Electronic Fund Transfer Act and Regulation E, correction of the account balance, and appropriate remediation for the financial harm caused.

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 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Reach Financial LLC
State: GA

Complaint narrative:
Loan Number : XXXX I am submitting this complaint regarding the servicing and threatened credit reporting of my installment loan. 

After losing my job, I entered a temporary hardship forbearance with Reach Financial for nearly one year. During this period, I made reduced payments in good faith with the understanding that the account would not be reported as past due. Reach Financial acknowledged my hardship, my cooperation, and my willingness to work toward resolution.

Reach Financial has now statedin writingthat I have exhausted temporary hardship assistance because their policy allows only 12 months of forbearance, and that my only option to avoid delinquency reporting is a loan modification requiring a $ XXXX  monthly payment, which I can not afford. They further stated that no additional temporary accommodations are available while the account remains active. 

I dispute Reach Financials authority to impose a 12-month forbearance limit because my executed Installment Loan Agreement does not disclose any cap on hardship or forbearance extensions. 

Section 23 ( Forbearance ) of the Agreement states the Holder may agree from time to time to extend payments or modify amortization but does not include any numerical limit or mandatory conversion to a loan modification. 
Section 27 ( Entire Agreement ) states that any change to the Agreement must be in writing and signed by both parties. I have never signed any amendment establishing a forbearance cap or requiring a loan modification after a set period.

Reach Financial appears to be relying solely on an undisclosed internal policy, rather than the written agreement, to deny further hardship assistance and to condition negative credit reporting on acceptance of unaffordable terms. This creates a contractual dispute and raises concerns about inaccurate or misleading credit reporting while the dispute is unresolved. 

I am not refusing to pay ; I am disputing the imposition of non-contractual conditions and seeking a reasonable hardship resolution consistent with the written agreement and my documented financial situation. 

I am requesting that Reach Financial and XXXX Bank : 1. Identify the specific contractual provision or signed amendment that establishes a 12-month forbearance limit, or confirm that no such provision exists.

2. Refrain from reporting the account as past due while this contractual dispute is pending.

3. Offer a reasonable hardship or loss-mitigation option consistent with the written agreement that does not require unaffordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Revolut Technologies Inc.
State: MN

Complaint narrative:
I am disputing an unauthorized debit card transaction of {$1500.00}. 

A merchant ( XXXX  ) charged my saved virtual card on XX/XX/year> without my authorization. There was no recurring or automatic billing agreement in place, and I did not initiate or approve this transaction. No customer authentication was used ( no XXXX Secure, XXXX, PIN, or biometric verification ). 

Revolut reviewed the dispute internally but exceeded its stated XXXX review timeframe and later refused to reopen the case. Revolut confirmed that no chargeback was raised with XXXX and no XXXX reason code was provided. Instead, the claim was rejected solely on the basis that the transaction used a virtual card. 

Use of a virtual card does not constitute authorization. Revolut has not provided any evidence that I consented to this transaction and has failed to conduct a proper investigation under U.S. Regulation E for an unauthorized electronic funds transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
The apartment was inhabitable. The bathroom ceiling completely fell down due to water damage on the roof. Contacting maintenance numerous times and All that was giving was a bucket to catch any leaking water. Never gave me the option to move into another apartment. Meanwhile neighbors roof had already fell down as well. Maintenance stated nothing they can do waiting on a grant to repair roof and placed a tarps on the roof which didnt work. Apartment was on the third floor and only one bathroom. I have XXXX children living with me. Maintenance would contact me when they seen that it may rain to go over and make sure bucket was placed. This was reported in the month of XXXX and in ceiling completely fell down in XXXX. No repairs at all. Foul odor they stated was birds and huge flies I would have to leave the door shut

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am formally requesting full disclosure and copies of all records related to the freezing of my account. 

This request includes, but is not limited to : The exact date and time my account was frozen The specific reason ( s ) for the freeze Any internal notes, alerts, reviews, or flags associated with this action Any reports made to third parties, consumer reporting agencies, or government entities The dates, recipients, and content of any such reports The policies, procedures, or contractual provisions relied upon to justify this action I have previously requested this information and have not received a response. The failure to provide disclosure has prevented me from understanding, disputing, or remedying the adverse action taken against my account. 

Please consider this a formal written demand. If this matter is not resolved promptly, I am pursuing relief through the Consumer Financial Protection Bureau. 

I request that all documentation be provided in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Re : FRAUDULENT DEBT COLLECTION & ILLEGAL CREDIT REPORTING I am filing this complaint against a debt collector that has fraudulently placed a collection account on my credit report by re-aging a time-barred debt and reporting false information. 
Alleged original account date : XX/XX/XXXX Fraudulently reported as new in : XX/XX/XXXX No disclosure of original creditor No validation Identity theft involved This conduct violates : Fair Credit Reporting Act Fair Debt Collection Practices Act Federal prohibitions against deceptive and unfair practices I am requesting immediate regulatory intervention and removal of this account. 
To Whom It May Concern, I am writing to formally dispute one fraudulent collection account that has recently and improperly appeared on my consumer credit report. 

This account is being reported as opened in XX/XX/XXXX, however the alleged original account dates back to XX/XX/XXXX, making the information being reported materially false, misleading, and illegal under federal law. 

This account is disputed for the following reasons : 1.FraUD & IDENTITY THEFT This account was not opened by me, was never authorized, and constitutes identity theft under the Fair Credit Reporting Act. 
2.ILLEGAL RE-AGING The collection agency has re-aged the debt by falsely reporting a new open date of XX/XX/XXXX, in direct violation of 15 U.S.C. 1681s-2 ( a ) ( 5 ).

3.INACCURATE REPORTING Reporting an account as newly opened when the alleged obligation dates back to XX/XX/XXXX is factually incorrect, misleading, and unlawful under 15 U.S.C. 1681e ( b ).

4.STATUTE OF LIMITATIONS PENNSYLVANIA Pennsylvanias statute of limitations for consumer debt is four ( 4 ) years. Any attempt to collect or report this account in XXXX is time-barred and improper. 
5.FAILURE TO PROVIDE VALIDATION I have never received : Proof of original creditor A complete chain of assignment Any signed contract or authorization This violates 15 U.S.C. 1692g. 

I have reached out to the original creditor which states that the information is so old they have no information for me and can not provide me with any information such as what was purchased address affidavit or anything signed. I never opened this account or have knowledge of this account being opened and nothing has ever been sent to me via mail and I have lived at this address for 20+ years. I also notified the collection company and told them that this was fraud into immediately remove it and let them know I will be sending them a formal demand letter to LVNV funding the collection company, demanding immediately deletion and also a legal escalation notice as well as the report with you and an FTC and attorney general report thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Disputed inaccuracy information XX/XX/XXXXStill reporting asked for debt validation original signature page from original account holder and payment to us auto sale giving incorrect information XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit International Corporation
State: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX Payments Dispute Protection product offered through QuickBooks Payments. 

On XX/XX/year>, I enrolled in Intuits Payments Dispute Protection and paid an additional 0.99 % per transaction for advertised coverage of up to {$25000.00} per year and {$10000.00} per dispute. XXXX confirmed in writing that coverage was active and automatic. 

After my first chargeback, XXXX unilaterally terminated my merchant account and subsequently denied coverage for later disputes despite continuing to collect dispute protection fees on covered transactions. When a second chargeback occurred, XXXX denied coverage entirely. 

Compounding this issue, after account termination I was denied reasonable access to submit dispute documentation. Normal submission channels were XXXX, technical support failed to restore access, and I was given an unreasonably short timeframe to respond. As a result, the chargeback was lost due to procedural denial rather than merchant inaction. 

Despite the existence of paid protection and denial of dispute access, XXXX assigned the chargeback amount to a third-party debt collector, who is now attempting to collect the disputed balance while ignoring coverage defenses. 

I believe XXXX conduct constitutes deceptive and unfair practices, including selling chargeback protection and denying coverage after collecting premiums, failing to provide a meaningful dispute process, and pursuing collection without resolving coverage obligations. 

I respectfully request regulatory review of XXXX chargeback protection practices, coverage denials, and downstream collection activity.

Company response to consumer: Closed with explanation