vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: OH

Complaint narrative:
In XX/XX/year> a fraudulent purchase was made of {$500.00} through Klarna account. Klarna was notified has more purchases were trying to be made unauthorized. Klarna also told me other purchases were attempted. I contacted my bank and they gave me a provisional credit. Recently they retracted the credit of {$500.00}. This information was sent to Klarna and per them they were continuing their investigation when they have multiple times said this was fraud. I feel like the were withholding info to my bank in hopes of them giving me the {$500.00}. Klarna keeps telling me in 72 hours someone will reach out to me and nobody does. I have been denied an update and refund and cant talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
My credit card was stolen early XXXX in 2024. I filed a police report and also opened an investigation with the original creditors, my clam was denied even with proof. After I did not pay interest was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
In XX/XX/XXXX, I contacted Wells Fargo and explicitly requested that the merchant " Bankcard '' be flagged and blocked from processing any further transactions against my account. Despite that request, Wells Fargo failed to implement the block, allowing Bankcard to continue making unauthorized charges. UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$39.00} Bankcard ( unauthorized ) XX/XX/XXXX {$99.00} Bankcard ( unauthorized )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: 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: NY

Complaint narrative:
I am requesting the following : 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : Different Date Opened on TransUnion, XX/XX/year>, XXXX and XXXX XX/XX/year> Amount : {$2000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA . Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding XXXX credit card accounts currently reporting on my consumer credit file. Both accounts reflect a XXXX balance. XXXX was settled and the other was paid in full. Despite being satisfied, these accounts continue to report in a manner that is negatively impacting my credit profile and are categorized as high-impact derogatory accounts. Under the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ), furnishers are required to report information accurately and not in a manner that is incomplete or misleading. While historical delinquencies XXXX be reported within the permissible period, the current reporting must clearly and accurately reflect the present status of the accounts. I am requesting : XXXX. A full investigation pursuant to FCRA XXXX. XXXX. Written verification of the Date of First Delinquency ( DOFD ). XXXX. Verification that the accounts are reporting in full compliance with XXXX XXXX industry standards. XXXX. Correction of any inaccurate payment history, status codes, or remarks. XXXX. Deletion of the accounts if they can not be fully verified with proper documentation. If the reporting can not be substantiated as completely accurate, complete, and compliant, the accounts must be corrected or removed. Please provide written documentation of your findings within the statutory XXXX period. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
My navy federal checking account was frozen on XX/XX/XXXX due to a judgement against me as a codebtor on a lawsuit with oasis case number XXXX. A bankruptcy was filed on XX/XX/XXXX by XXXX XXXX, the defendant on the above case with XXXX. As of the bankruptcy filing the money frozen at navy federal should have been released but it was not. Just to note they did also freeze my paycheck tha is in that account, which in a letter dated XX/XX/XXXX they were allowed to freeze property other than wages and they have frozen wages. The bank was sent a notice on XX/XX/XXXX to unfreeze the account due to bankruptcy and did not. I have sent over the bankruptcy and they said they would need an order of release from the opposing attorney which was also sent later on XX/XX/XXXX along with a judges note to release my account and as of today it is still frozen. I also resent the documents over to them on XX/XX/XXXX. I have sent them documentation XXXX times along with my codefendants attorneys. I have called them twice a week since my account was frozen and my money is still frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a demand letter to Midland Credit Management ( MCM ) XX/XX/year> certified mail return receipt. I received the return card showing MCM received it XX/XX/year>. After no response from them I contacted MCM via a website and chat with XXXX XXXX. After verifying my identity she told me the account was marked cease and desist then she stated in the chat that I would have to consent to have it removed from my account. I consented, then her next text in the chat said I would have to prove a hardship. I stated the hardship was my job security clearance was in jeopardy. She then said I needed to set up a payment plan. I asked why was it not removed from my credit file. Her next text in the chat said she could not help me and she ended the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
I am filing a complaint regarding a {$20.00} per-transaction online payment or convenience fee charged through the Optum Financial XXXX premium payment portal ( XXXX ). On or about [ INSERT DATE ], I attempted to make my required monthly XXXXXXXX premium payment of approximately {$40.00}. To submit payment electronically, I was required to pay an additional {$20.00} fee. Although a fee-free option exists to mail a money order, this alternative is materially burdensome and outdated. It requires consumers to obtain a physical money order and rely on mail delivery to maintain time-sensitive health insurance coverage. For individuals who have recently lost employment and are paying high XXXX premiums, this structure creates financial and logistical pressure to use the electronic option despite the substantial fee. The {$20.00} charge is a flat per-transaction fee, not a percentage tied to actual processing cost. It appears excessive relative to typical electronic payment processing fees and may function as a revenue-generating charge rather than a cost-recovery mechanism. This practice raises concerns under federal consumer protection standards because : The fee may be unfair, as it imposes substantial monetary harm that consumers can not reasonably avoid without resorting to an impractical payment method. It may be abusive, as it leverages consumers need to maintain uninterrupted health coverage during a vulnerable financial period. The structure effectively penalizes consumers for using standard electronic banking methods in XXXX. I am requesting that this practice be reviewed to determine whether charging a {$20.00} per-transaction fee for electronic XXXX premium payments constitutes an unfair, deceptive, or abusive act or practice, and whether consumers should be provided a reasonable no-fee electronic payment option. I can provide documentation of the fee disclosure and transaction screen upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX Re : Formal Request for Debt Validation To Whom It May Concern : I am contacting you regarding a debt you claim I owe. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g. Please provide the following : The name and address of the original creditor. The amount of the alleged debt, with an itemized breakdown of fees, interest, and charges. Documentation bearing my signature proving I am legally obligated to pay this debt. A copy of the original contract or agreement. Proof you are authorized to collect in my state. The date the alleged debt was incurred and the date of the last payment. Verification of the alleged debts current status, including any assignment, transfer, or sale. A complete account history from the original creditor. Until you provide full validation, you must cease all collection activity, including reporting or verifying this debt with any credit reporting agencies. Any attempt to collect without proper validation will be treated as a violation of the FDCPA. I request that all future communication be in writing. Do not call or text my phone number. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: NV

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I received a call from XXXX regarding forbearance because my full-time position went to part-time employment. I was asked if I preferred email or mail for my documents. I chose them to be mailed on XX/XX/year> and was told 7-10 business days. She said that my payments have been suspended and I have to fill out paperwork and return. I have done everything necessary but still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KS

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I sent a XXXX transfer of {$200.00} from my Capital One account to my brothers XXXX XXXX XXXXXXXX account using phone number XXXX. The payment was sent from my XXXX account registered with the email XXXX The confirmation code for the transaction is XXXX. Capital One confirmed that the funds were successfully sent according to my payment instructions and left my account. However, XXXX XXXX XXXXXXXX states that they never received the transfer and the funds have not been credited to the recipient account. At this time the {$200.00} transfer appears to be missing between the two financial institutions and neither bank has provided a resolution or explanation. I am requesting a full investigation to locate the funds and either credit the recipient account or return the money to my account.

Company response to consumer: Closed with explanation