vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am submitting this statement to provide a full account of the situation involving my Wells Fargo account. Initially, I subscribed to services from a broker, whom I later discovered was not fully licensed within the U.S. After recognizing suspicious activity, I became alarmed and contacted Wells Fargo to dispute these transactions. Under federal law, specifically the Fair Credit Billing Act, I sought to dispute the charges as a merchant dispute because I was unable to access my funds and the company was unresponsive. Wells Fargo did assist me correctly in classifying and resolving the disputes for transactions with lower amounts. However, the transactions related to the suspicious activity, which were for higher amounts, were wrongly classified. Instead of treating them as a merchant dispute, Wells Fargo reclassified them as unauthorized charges. This bypassed the proper investigation process. As a result, Wells Fargo did not fulfill its legal obligation to investigate and, if unresolved within 10 business days, issue me a provisional credit. I believe this was done intentionally, knowing that such disputes sometimes take longer to resolve. I escalated this matter to the CFPB by submitting a formal complaint. Wells Fargo did receive the complaint and responded ; however, instead of addressing the issue properly, they closed my case under the incorrect classification. In addition, I have filed a lawsuit against Wells Fargo in the county court for their actions and negligence. Wells Fargos approach violates the rights of customers and fails to provide the necessary tools under the Fair Credit Billing Act. I am submitting all supporting documentation, including the court filing, to substantiate my claim. I respectfully ask that this matter be reviewed thoroughly, as Wells Fargo must be held accountable for its unlawful conduct.

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Advised company, debt does not belong to pursuant, amounts inaccurate as sent by several letters, Never been served documents, have disputed items, have not provided burden of proof, by way of Wet signature agreements, proof of validation, no consistent debt amounts severe inconsistencies in balances, Company is under a new name, no proof that collection is even validated to collect, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BTH Management
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX Email : [ XXXX ] ( XXXX : XXXX ) Complaint Summary : I am submitting this complaint regarding debt collection communications I received that I believe contained false, misleading, deceptive, and threatening representations in connection with an alleged consumer debt. The communications included statements threatening immediate legal action, wage garnishment, bank levies, passport suspension, freezing of benefits, property XXXX, and other enforcement actions without any actual court judgment or legitimate court documents being served. The individuals communicating with me also used alarming and misleading language such as : * Final Enforcement Order * Compulsory Debt Recovery Notice * Silence shall be deemed admission of liability * Threats of federal enforcement and incarceration * Claims of international enforcement authority * References to suspension of licenses, benefits, and travel rights The communications also referenced government-style authority and used the name of public officials in a manner that appeared intended to intimidate or mislead. Additionally : * Communications were sent from XXXX addresses rather than official legal or government domains; * I requested that communications cease ; * Continued pressure for immediate payment was made using escalating threats and deadlines. I believe these actions may violate the Fair Debt Collection Practices Act ( FDCPA ), including prohibitions against : * False or misleading representations; * Threats of action not legally authorized ; * Harassing or abusive collection conduct ; * Use of deceptive representations regarding legal status or authority. I have preserved copies of the communications and can provide them if requested. I am requesting review and investigation of these practices. Sincerely, XXXX XXXX XXXX : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems for illegally reporting a collection account on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). On or around XX/XX/XXXX, I discovered a {$290.00} collection account placed on my credit report by Jefferson Capital Systems, allegedly originating from XXXX . Upon investigation, this debt dates back to approximately XXXX, pover 17 years ago, which far exceeds the 7-year credit reporting limit under FCRA Section 605. This account should have never been placed on my credit report. I have never received any written notice, phone call, or communication of any kind from Jefferson Capital Systems regarding this debt prior to it appearing on my credit report. This failure to notify me before reporting constitutes a violation of the FDCPA, which requires debt collectors to provide written notice within 5 days of initial contact. On XX/XX/XXXX, I called Jefferson Capital Systems and formally disputed the debt. The representative confirmed they would be sending dispute documents. However, the illegal collection remains on my report and has already caused a XXXX drop to my credit score, bringing it from XXXX to XXXX. I am requesting the immediate removal of this account from all three credit bureaus : XXXX, XXXX, and XXXX, and a full investigation into Jefferson Capital Systems reporting practices. I have never had a late payment and maintain low credit utilization. This illegal collection is the sole reason for my score drop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quality Asset Recovery LLC
State: IN

Complaint narrative:
I have reviewed my insurance claims and Explanation of Benefits records for the relevant timeframe and I do not see any claim submissions from Naab Rd Surgical Group related to this alleged debt. Because the remainder of my related medical treatment was covered by insurance at 100 %, I believe the provider may have failed to properly submit this account to insurance before referring it to collections. I am requesting that QUALITY ASSET RECOVERY LLC and/or the original provider provide documentary proof that : The claim was properly submitted to my insurance carrier The date the claim was submitted The insurance carrier to which it was submitted Any denial or processing response received from insurance The specific reason I am allegedly personally responsible for the balance

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 2026-05-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year> a repo agent from XXXX XXXX employed by Mountain America Credit Union forcefully took my car to where I had to chase him and ask him to stop and that I didn't consent to the reposessing of my vehicle while I was actively working as a delivery driver. He ignored my protest and caused me to escalate and involve the police. He didn't provide a court order or notify police of the intent to take my car while it was occupied by me on an active 3rd party parcel service. The agent took the car in a residential neighborhood actively running in front of homes with doorbell cameras. He has caused me to experience emotional damage by jeopardizing my job and having me put in a line of fire with my work for what would have been considered federally stealing packages I would like to file a complaint also against XXXX XXXX in XXXX XXXX, UT for their aggressive seizure of my property with no disregard for the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Radius Global Solutions LLC for an alleged XXXX XXXX XXXX telecommunications debt in the amount of {$220.00}. I do not believe this debt belongs to me. I have not had an XXXX XXXX XXXX account since approximately XXXX, yet this collection account was recently added to my TransUnion credit report in XXXX. I disputed the account with XXXX, but the account was marked as verified as accurate without proper documentation being provided to me. I requested validation of the debt, including proof that I am legally responsible for the account, the original account records, the service address associated with the account, and the date of first delinquency. The company did not provide this information. I am concerned this debt may be inaccurately reported and/or improperly re-aged. This inaccurate reporting is negatively impacting my credit during an active mortgage approval process. I am requesting a full investigation and removal of any inaccurate information if the company can not properly validate the debt and prove it legally belongs 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 non-monetary relief
Consumer complaint received 2026-05-19 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing this formal complaint against Wells Fargo for failing to conduct a reasonable, fair, and legally compliant investigation under the Fair Credit Billing Act ( FCBA ) regarding a disputed transaction for a vehicle purchase. Following explicit instructions from a Wells Fargo claims representative, I obtained a professional vehicle inspection report to prove the vehicle was delivered with severe defects. On XX/XX/year>, I electronically submitted a comprehensive evidence packet containing : An official preliminary repair estimate from Caliber Collision ( Workfile ID : XXXX ) definitively proving the vehicle was delivered with major safety hazards, including a completely compromised windshield and a broken rear left door latch assembly, making the vehicle entirely unsecurable. Text message logs with the merchant demonstrating that the vehicle was dropped off via a tow truck while I was not present at home. I never signed any delivery receipts, acceptance paperwork, or contracts, nor was I given a chance to inspect it. Text messages showing that immediately upon seeing the vehicle, I notified the merchant about the broken locks, and they completely stopped responding to my attempts to resolve the situation. After uploading these files on XX/XX/XXXX, I spoke with Wells Fargo agents over the phone who explicitly confirmed that the documentation was successfully received, thoroughly reviewed, and was completely sufficient to process my dispute. No further documentation was ever requested from me. The case remained " In Progress '' with zero updates for weeks. When I called Wells Fargo on XX/XX/year>, I was shocked to be told that the case had been abruptly closed. The agents gave contradictory and demonstrably false excuses, claiming that the report was " not what was requested '' or " never received. '' To make matters worse, when I requested to speak with a supervisor to address this internal error, the agent left me on hold for approximately 30 minutes and intentionally disconnected the call. Wells Fargo has acted in bad faith, misinformed me regarding the status of my files, and summarily dismissed a valid dispute despite pristine, irrefutable evidence of a predatory merchant transaction.

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 2026-05-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I contacted the collection agency to dispute and request validation of an alleged debt. I sent a written debt validation request more than XX/XX/XXXXdays ago requesting proof of the debt, including verification of the original creditor, the amount owed, and documentation showing the agencys authority to collect. As of today, I have not received any response or validation of the debt from the company. Despite my request, there has been no documentation provided and no clear communication addressing the dispute. I am requesting that the company either provide proper verification of the debt or stop collection efforts and correct any reporting related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, my Wells Fargo accounts were hacked. Fraudsters made two unauthorized cash advances from my XXXX credit card ( {$2100.00} + {$4900.00} = {$7000.00} ) into my checking account, then transferred {$4000.00} out via XXXX. Wells Fargo 's own system sent fraud alerts. My husband called Wells Fargo within ONE HOUR to report and block the accounts. ISSUE 1 WRONGFUL DENIAL : Wells Fargo denied my fraud claim ( Claim # XXXX, letter dated XX/XX/XXXX ), claiming " transactions were made using your PIN. '' Under EFTA/Regulation E, a hacker using a stolen PIN is still unauthorized. The bank bears the burden of proof ( 12 C.F.R. 1005.6 ( b ) ) and failed to issue provisional credit within 10 days as required by 12 C.F.R. 1005.11 ( c ). Amount denied : {$4000.00}. ISSUE 2 DOUBLE CHARGE : When Wells Fargo migrated my account from card ending XXXX to card ending XXXX, they charged the same {$7000.00} in fraudulent advances TWICE ( {$14000.00} total ). They reversed only {$7000.00} ( one side ), leaving {$7000.00} still on my account. They also charged {$350.00} in fees and {$120.00} in interest on these unauthorized charges violating the FCBA ( 15 U.S.C. 1666 ). Total wrongfully withheld or charged : {$11000.00}. I sent a formal written dispute on XX/XX/XXXX via Certified Mail. Wells Fargo has not responded.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing a complaint regarding denied unauthorized transaction disputes on my Chime account after my phone was stolen. On XX/XX/year>, my phone was stolen, and unauthorized transactions were made from my account totaling approximately {$9500.00}. I reported the issue to Chime as soon as I became aware of the unauthorized activity and filed a dispute. Despite explaining that I did not authorize these transactions, Chime denied my dispute. I requested additional information regarding the denial and would like Chime to provide the evidence used to determine that the transactions were authorized. I believe the transactions were fraudulent because : - My phone/device was stolen or compromised - The transactions were not authorized by me- I reported the issue promptly after discovering it - I have supporting documentation including [ police report / screenshots / carrier records/ identity theft report ] I am requesting : 1. A full reinvestigation of my dispute 2. Copies of any evidence relied upon in denying the claim 3. Reimbursement for the unauthorized transactions if the investigation confirms fraud 4. Confirmation that my account security concerns have been addressed The total disputed amount is approximately {$9500.00}. I am seeking a fair review under the Electronic Fund Transfer Act and Regulation E protections for unauthorized electronic transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I am still having issues with Selene Finance. I recently spoke to XXXX XXXX who sent me a new loan modification document to have notarized and signed and again. He also told me that I would have to make the payments by wire transfer. I haI also informed him that negative info was wrongfully reported to all 3 credit bureaus stating that I havent paid. This was done despite me sending checks for XXXX and XXXX payment. They destroyed my checks and didnt apply them to my balance. XXXX XXXX told me to dispute the negative credit reporting and didnt offer to have it corrected despite admitting that the credit reporting shouldnt have been done and me receiving a letter stating that credit reporting wouldnt happen for 60 days in from the date of the letter in XXXX. I disputed the negative credit reporting and received notice that XXXX stated that my dispute didnt go in my favor because Selene Finance stated that the reporting was accurate. They have not addressed all of my questions and concerns stated in the XXXX dated XX/XX/year>. I am still without knowledge of how to make payments going forward and who my contact person is. When XXXX contacted me he didnt review the emails or the phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I referred a new customer to Citi on XX/XX/year> at the Citi branch located in XXXX, Maryland. During the account opening process, the branch representative assisting XXXX ( I believe her name was XXXX ) confirmed onsite that the referral had been properly attached to my account and that I would receive the referral bonus within 90 days. The customer I referred has since successfully opened the account and fulfilled all eligible requirements associated with the referral promotion. I contacted Citi customer service in XXXX and was assured again then that the referral bonus is attached to my account and I just have to wait for 90 days. However, after following up with Citi Customer Service today ( XX/XX/year> ), I was informed that the referral is not attached to my account and that I am therefore ineligible to receive the referral bonus. I would appreciate it if Citi could please conduct a review of this matter, including the referral tracking associated with the branch account opening in XX/XX/year>. Based on the confirmation provided by the branch representative at the time of account opening, I believe the referral should qualify for the promotional bonus. However, I have been unsuccessful in this matter.

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 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: N.A.R., Inc.
State: NY

Complaint narrative:
I allegedly defaulted on a XXXX XXXX credit card. Their collection agency N.A.R. Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, utah XXXX through their attorneys XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX XXXX brought an action for breach under the name NAR , Inc. at no time did NAR own my alleged debt. I do not owe any money to NAR. This is solely a XXXX XXXX debt and never was owned by anyone else. NAR mislead the court through their fraud that they were assigned the debt, but they were only a collections agency attempting to collect the alleged debt. They all lied to the court to pretend they own the debt and convinced the judge they owned the debt so now there will be a judgment against me under the plaintiff NAR and not mentioning XXXX XXXX at all. so now not only will i owe money to nar who i dont have a relationship ( and dont owe a debt ) with but possibly XXXX too. my credit is shot owing this money twice. i believe that NAR and XXXX XXXX XXXX committed fraud on the court that NAR owns the debt when they dont and the court case against me is wrong. it should have only been in the name of XXXX XXXX. The scam assignment they filed with the court is pretty shady and unsigned. and stated clearly they dont own the debt, just here " assigned '' the right to sue. but that does not mean in their own name. that's the fraud. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: IL

Complaint narrative:
I requested documentation and investigation results supporting the accuracy of the alleged debt, including verification of the balance being reported, the basis for the collection activity, and documentation supporting the companys authority to continue furnishing the account to consumer reporting agencies after the account was disputed. Despite the dispute, the company continued furnishing the account without providing sufficient supporting documentation or evidence of a reasonable investigation. This may constitute violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to conduct a reasonable investigation upon notice of dispute, and 15 U.S.C. 1681e ( b ), requiring maximum possible accuracy in consumer reporting. The continued reporting of disputed and potentially inaccurate information may also implicate provisions of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692e, prohibiting false, deceptive, or misleading representations in connection with collection activity.

Company response to consumer: Closed with explanation