vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I was a user of the XXXX credit card, for which Wells Fargo was the issuer. My card was damaged, so XXXX issued me a a replacement card. After issuing the replacement card, XXXX did not link the new card to my digital profile. When logging into XXXX, no outstanding balance was listed. On a recorded joint call with Wells Fargo and XXXX, they stated this was an issue on their end, not me the consumer. I was charged interest charges and my credit score suffered. The bill was paid in full, but I received no remedy for the damages I experienced.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Credit Card is declining purchases and payments for services. No answer when I call, no return calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
MOHELA XXXX XXXX billing statement inaccuracies, processing delays, fees inaccurately inflicted, reconciliation delays, customer services tactics to delay processing and addressing major issues, delays in reporting entire loan payoffs to credit, delays processing entire loan payoffs for up to XXXX and 6 months, system technical structures built to not apply payments where payments are due creating endless late fees and payment history issues, on-going issues with correspondence and accuracies with balances and due dates, credit implications and distress, endless issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I closed all of my bank accounts with CItizens Bank XXXX savings and XXXX checking on XX/XX/year> Now I got an email today saying that I owe XXXX and that my CHECKING account is in OVERDRAFT I closed it I called the XXXX number and they said that I have to pay the XXXX before they can close the account I CLOSED the account He said that it is still open SO I had to drive XXXX min to that bank which i find out WHY the account is still OPEN SHe said that since someone tried to take money out of it the BANK opened the account back up WHAT??? Who gave them permission to open my CLOSED account??? Usually when an account is closed it is closed She said that I SHOULD have been told about this when i closed the accounts They also wanted to charge me an overdraft fee of XXXX What sort of SCAM is this THis should be illegal So now I am paranoid that when i switched banks that i got everyone that i was supposed to How many times are they going to open my closed account I have no way of doing banking with this company other than driving there Both my husband and myself are XXXX and we both are XXXX VETERANS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 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: AL

Complaint narrative:
I am disputing the following accounts with Experian. These accounts may not be accurate or may lack proper verification. Please review and remove these items if they can not be validated : Charged Off Accounts : XXXX XXXX XXXX, Account Number : XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$340.00} XXXX XXXX, Account Number : XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} Inquiries : XXXX, Date : XX/XX/XXXX XXXX MORTGAGE, Date : XX/XX/XXXX I respectfully request that Experian investigate these items and remove them if they are not properly verified.

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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The closed account BEST BUY/CBNA is currently reported as late for the months of XXXX and XXXX of year 2022. I am attaching the statements for these particular months. On the statements clearly shows {$0.00} Past Due Amount, therefore I was never late.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AL

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Validation of Debt Request - VANCEHUFFMAN - 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issue : Inaccurate credit reporting / failure to investigate Company : Wells Fargo Bank , N.A . I am submitting this complaint regarding Wells Fargo Bank, N.A.s failure to comply with its obligations as a furnisher of credit information under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ). I submitted multiple written disputes identifying inaccuracies and inconsistencies in Wells Fargos reporting of an account across nationwide consumer reporting agencies. My original dispute is included in Exhibit A. Wells Fargos initial response is included in Exhibit B. I then sent XXXX additional written dispute and verification demand letters to Wells Fargo in XX/XX/XXXX, included in Exhibit C. Wells Fargo issued a single response dated XX/XX/XXXX addressing both letters, included in Exhibit D. Despite these repeated disputes, Wells Fargo failed to conduct a reasonable investigation. Its responses asserted verification without providing : any method of verification, any item-by-item response to disputed data fields, any documentary evidence establishing accuracy, or any explanation reconciling conflicting credit bureau outcomes. XXXX ultimately removed the Wells Fargo tradeline after being unable to verify it. Exhibit F includes XXXX confirmation and current credit file evidence showing the account remains absent from that bureau. Wells Fargo admitted in writing that there were inconsistencies in the information being reported by the credit bureaus, yet closed the dispute without correcting or deleting unverifiable information. Because consumer reporting agencies rely entirely on furnishers for account data, Wells Fargo is the source of materially inconsistent reporting that persists across XXXX XXXX XXXX XXXX XXXX no longer reports the account. This conduct demonstrates failure to furnish accurate information and failure to conduct a reasonable investigation under the FCRA. I request that the CFPB require Wells Fargo to demonstrate compliance with its furnisher obligations and to either substantiate the reported information with verifiable evidence or instruct all consumer reporting agencies to delete the tradeline.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc.
State: TN

Complaint narrative:
Validation of Debt Request - XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/year>, I sent the company a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I allowed 30 days for a response and received none. On XX/XX/year>, I sent a second notice advising the company of its failure to validate and provided an additional 15 days to respond. The company again failed to provide any validation. I only received what appears to be a billing statement, which does not constitute proper validation. Despite this, the company continues reporting the account to all three credit bureaus. The balance has increased, and information is being furnished without having provided validation of the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Complaint Against : Comenity Bank ( Bread Financial ) XXXX XXXX XXXX Credit Card I entered into a XXXX promotional financing agreement on the XXXX XXXX Comenity Bank credit card. Throughout the entire XXXX period, I maintained a perfect payment history and was never late on a single payment. By the month of XX/XX/year> the remaining principal balance was approximately {$1600.00}. I had paid down the vast majority of the balance responsibly and was very close to paying it off in full. Immediately after the XXXX promotional period expired, which I did not expect or was aware that it was ending since I did not receive any notification via email or mail. Comenity Bank added approximately {$3800.00} in retroactive deferred interest charges to the account. This increased the total balance from about {$1600.00} to {$5400.00}. I was not aware that this promotion was structured as deferred interest that would retroactively add two years of interest if the balance was not paid in full by the expiration date. I did not receive any clear, prominent, or understandable notification that the promotional period was about to expire or that failure to pay the remaining balance in full would result in nearly {$4000.00} in added interest. I the account holder am a elderly individual who does not fully understand complex credit card promotional structures. I believed this was a standard 0 % interest promotion and did not understand that interest would be applied retroactively from the date of purchase. The sudden addition of nearly {$4000.00} in interest has created significant financial hardship and stress, I am retired and live off of retirement I do not make enough income. I do not have the financial ability to pay the full {$5400.00} balance now showing on the account. However, I am willing and able to immediately pay the original principal balance of approximately {$1600.00} if Comenity Bank agrees to remove the retroactive deferred interest charges as a goodwill adjustment. Given my perfect payment history, the substantial reduction of the balance over 24 months, and the lack of clear understanding regarding the deferred interest structure, we respectfully request a full removal of the retroactive interest charges and reinstatement of the principal balance only. We are seeking a fair and reasonable resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Validation of Debt Request- CONSERVE - XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: CA

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 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 2026-03-03 00:00:00
Product: Credit card — Store credit 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: Klarna AB
State: NC

Complaint narrative:
I have an order that I purchased from XXXX with a temporary klarna card but XXXX sent and charged me two times for the same item, I attempted to have the refund reversed back to the card but Klarna declined. I contacted Klarna asking if there was an issue or if they are able to modify my klarna statement or connect with XXXX so they know the order was suppose to be refunded but I repeatedly reached a dead end and they told me they could not edit the statements. This transaction is from XX/XX/XXXX and Klarna have then sent my information to debt collection as I can not pay off until I receive the refund from XXXX. It is now XX/XX/XXXX and this issue has still not been resolved.

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

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 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
My father, XXXX XXXX XXXX set up a Trust Directive with the Amex Savings account in question in there. I am his son, XXXX XXXX XXXX and foreseen as Trustee, once he was deemed incapacitated by XXXX doctors. He is at a XXXX XXXX now and the funds would be urgently needed to cover his cost. I have approached Amex via registered letters, in countless phone calls with/ without lawyer. All paperwork on that case is on file at Amex and was confirmed to be in good order. The question is the account ending XXXX with according to the Amex monthly statement is listed as XXXX XXXX XXXX. In various phone calls with different people incl. legal predepartement we first were explained that I would need to have a PoA in order to access the trust account as trustee, which simply is against all Trust Law. Next levels of discussions was that the account with Account Owner XXXX XXXX XXXX and stated in the Trust Directive would not be a true Trust account as it was originally a personal savings account and put in the Trust when founded XXXX. Again my lawyer explained why this was not correct. Today on the phone call with XXXX I was told that my father would first have to pass away, so I would have access as Trustee to a Trust account. Every phone call there are new reasons, when the matter - Trustee - Trust Directive - Trust Account would be simple. Every phone call is a matter of waiting in line for hours, getting dropped out of the line. XXXX weeks ago we were promised to hear back from Amex, but nothing happened again. My father had good trust in this bank when he set up his savings account there, but the bank is doing nothing to provide access when needed for health care payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I have an account with USAA that has {$5000.00} balance in it. I asked them several times to close it and refund me my funds, they are refusing to do so by claiming there is a note on the account by their fraud department. I need my funds to be refunded 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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I filed a fraud claim with PayPal ( Case ID : XXXX ) after purchasing software for {$92.00} that was advertised as legitimate. Instead, I received pirated software containing XXXX XXXX. I provided PayPal XXXX evidence files including : Screenshot of cracker signature proving software was pirated Antivirus detection of XXXX XXXX ( XXXX : XXXX XXXX XXXX ] ) XXXX official confirmation that no license exists in their system Proof the seller operates from a fake residential address Evidence the product ( XXXXXXXX XXXX XXXXXXXX ) is not sold to individuals PayPal denied my claim stating the item was " materially similar '' to the seller 's description. This is false. Pirated software containing malware is fraud, not " materially similar '' merchandise. PayPal did not review my evidence before denying my claim. Their automated system closed my case without investigation. Transaction date : XX/XX/year>. Amount : {$92.00}. Seller : XXXX PayPal denied claim on XX/XX/year>. I also filed complaints with the XXXX and my credit union ( XXXX XXXX XXXX XXXX ). I request a full refund of {$92.00} and that PayPal properly investigate this seller to protect other consumers.

Company response to consumer: Closed with explanation