vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance Bureau of Collections
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account listed on my credit report. The account in question is listed as : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXe : Collection Balance : {$1100.00} I do not recognize this account as valid, nor have I been provided sufficient documentation to verify that this debt is mine. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation into this matter. Specifically, I request the following : Verification of the original creditor and a complete payment history Proof that I am legally obligated to this debt Documentation showing that the account has been reported accurately and in compliance with all applicable laws If you are unable to provide proper verification within the required timeframe, I request that this account be removed from my credit report immediately. Additionally, I have noticed potential inaccuracies, including inconsistent reporting dates and account details, which further calls into question the validity of this listing. Reporting inaccurate or unverified information is a violation of the FCRA. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I am requesting that the company remove the unauthorized charge and issue a full refund. I would also like confirmation that no further unauthorized charges will occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
We are a small micro minority certified business registered in state of Virginia. We bid on a Gas Utility Vehicle bid from Virginia Department of Transportation ( XXXX ) on XXXX and won the bid. XXXX was received. We are a retail trade company. We were in constant communication with XXXX - XXXX XXXX of golfcartsunltd.com. He sent us an invoice # XXXX dates XXXX2026 and asked us to send payment via XXXX. We were receiving all emails from XXXX. On XXXX.2026, we received an email from XXXX. Note the extra " l '' in the domain. The email looked very normal as it had the same exact invoice with the same amount and full previous emails chain/ communication history in this new email, so I didn't notice that this email address has this extra " l '. It had a document with XXXX details, so I went ahead and made the payment. I later called XXXX on XX/XX/year> and he said he didn't receive the funds and never sent me an email with the XXXX details. This completely baffled my mind and after thoroughly looking through my emails I sent and received, I came to realize that although the latest email I received had the same invoice and previous email chain, it actually came from an email address that had an extra " l ' embedded which clearly shows that I was scammed. I believe that the guy, XXXX, must be involved in this scam because how did the scammer make an exact invoice with the exact same price and had the whole communication chain and how in the world, can I receive the email chain with same invoice from a different email address. Logically speaking this is a clear case of spam, fraud and it appears this XXXX guy is involved.

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 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
b'I am filing this complaint against Wells Fargo for willful non-compliance with the Fair Credit Reporting Act (FCRA) and for obstructing an active state law enforcement investigation into identity theft.\n1. Confirmed Identity Theft & Security Breach\nOn XXXX XXXX, 2026, an agent of XXXX XXXXi fraudulently bypassed Wells Fargos security protocols to obtain my private financial data. Wells Fargos Executive Office confirmed in writing (Case XXXX XXXX) that an impersonator provided my birthdate and account number to gain unauthorized access. Despite this admission, the bank claims "no bank error" occurred while simultaneously withholding the records that would prove the extent of the security failure. \n2. Violation of 15 U.S.C. 1681g(e) (Section 609(e))\nOn January 28, 2026, I served Wells Fargo with a formal "Request for Records" under Section 609(e) via Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX), which they received on XXXX XXXX 2026. This federal statute mandates that business entities provide application and business transaction records to identity theft victims within 30 days. Wells Fargo has exceeded this deadline and failed to produce the mandated authentication logs, caller ID data, and recordings. \n3. Deceptive Practices and Obstruction\nFalse Legal Statements: Wells Fargo falsely stated in writing that call recordings "may only be obtained through court order". This is a direct contradiction of Section 609(e), which requires disclosure to victims who provide a law enforcement report. \nRefusal to Cooperate: During a follow-up on XXXX XXXX, 2026, an Executive Office representative (XXXX) refused to acknowledge the 609(e) requirements or provide a firm date for document delivery. She further refused to confirm if the voice on the fraudulent call matched mine, despite having reviewed the audio.\nAdministrative Failure: The bank issued a second case number XXXX) because they could not locate the original files from my XXXX XXXX delivery. \nOngoing Investigation: These records are critical evidence for XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Incident #: XXXX and the XXXX XXXX XXXX XXXX XXXX. By withholding this data, Wells Fargo is obstructing a felony identity theft investigation. \nI am requesting that the CFPB compel Wells Fargo to immediately release all records mandated by 15 U.S.C. 1681g(e) at no charge.'

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XXXX XXXX, 2026, I received a text message purportedly from SECU asking if I had attempted a XXXX transaction for {$3800.00}. I replied " No. '' I was then immediately called by individuals who had spoofed SECU 's official phone number, making the call appear completely legitimate on my caller ID. They identified themselves as SECU fraud department representatives and told me my account had been compromised. Under their instruction, and believing I was speaking with SECU 's fraud team, I was directed to transfer {$1700.00} via XXXX as a security measure to protect my funds. They promised to issue me a virtual replacement card. This was fraudulent. The money was stolen. I filed a fraud dispute with SECU. On XXXX XXXX, 2026, SECU concluded their investigation and determined that the transaction was " not unauthorized '' because I had transferred the funds myself. However, my authorization was obtained entirely through deception the perpetrators impersonated SECU staff using a spoofed phone number, which made it impossible to detect the fraud. I have filed a police report regarding this crime. I am appealing SECU 's determination and requesting they reopen the investigation, as this is a clear case of fraud-induced authorization, not genuine consumer consent. SECU has denied my dispute and refused to refund the {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I booked a hotel through the Capital One XXXX portal using my Capital One XXXX XXXX credit card for a special trip to celebrate my husbands birthday. Booking details : - Confirmation # : XXXX - Hotel : XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX : XXXX XXXX XXXX - Total charged : USD {$370.00} ( using {$300.00} travel credit + additional payment ) I specifically chose the XXXX XXXX XXXX XXXX XXXX, With XXXX because I wanted a private XXXX in the room. The Capital One XXXX platform advertised and listed the room as having a private XXXX, and showed it as approximately XXXX sq ft. To confirm the reservation, I contacted the hotel ( XXXX XXXX XXXX XXXX ) directly. The hotel informed me that the booked room does * * not * * have a private onsen it is only the basic XXXX sqm XXXX XXXX with access to shared onsen facilities only. I raised this concern with Capital One XXXX support on my first contact. On my third contact, a supervisor named XXXX finally admitted : You booked the wrong room. This room does not have a private XXXX. She even implied it was my fault. Additionally, the room descriptions and photos on Capital Ones own platform are inconsistent and misleading. Some listings show private hot tub/XXXX photos but describe it only as With XXXX XXXX or omit details. This inconsistency on Capital Ones system directly led to the wrong room being booked. I have contacted Capital One XXXX support * * three times * * ( including a message requesting a XXXX response ), but as of XX/XX/year>, I have received * * no resolution, no upgrade, and no proper reply * *. This is a clear case of services not as described / misleading advertising by Capital One XXXX. I chose and paid for a private onsen room for a special occasion, but received a basic smaller room without it. * * Requested resolution : * * - Immediate upgrade to the correct XXXX XXXX XXXX XXXX with private in-room XXXX ( approx. XXXX sqm / XXXX sq ft ) at no extra cost, or - Full refund of the {$370.00} charge ( including return of the {$300.00} travel credit used ) plus reasonable compensation for the inconvenience. I have attached : - Capital One booking confirmation ( showing With XXXX ) - Hotel email confirming no private XXXX in the booked room - Screenshots of inconsistent room descriptions on Capital One platform - XXXX comparison showing similar XXXX room pricing Due to the check-in date being only 19 days away ( XX/XX/year> ), I request urgent handling of this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 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: Affirm Holdings, Inc
State: CA

Complaint narrative:
On or around XX/XX/year>, I was charged for a purchase through XXXX using Affirm financing. I was charged multiple times, including an initial charge and an additional charge through an Affirm loan. Despite these charges, I did not receive any product or service. The transaction was later canceled, yet I was still charged a {$290.00} fee, which was described as a consultation fee, even though no meaningful service was provided beyond submitting basic information online. I disputed the charges with Affirm, explaining that I never received any product or service and that the charges were improper. However, Affirm denied my dispute, stating that the merchant acted within their policy. Their response repeatedly referred to returning a product, which is inaccurate, as I never received anything to return. This situation involves billing for goods/services not received, duplicate charges, and an unjustified fee after cancellation. I have made multiple attempts to resolve this directly but have not received a proper resolution. I am requesting that Affirm reverse the charges, cancel the loan associated with this transaction, and ensure I am not held financially responsible for goods or services that were never delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
They have added a little over {$3000.00}. To my loan. XXXX said {$1200.00} was interest added but couldnt explain the balance added to present balance I saw this on my credit report Why am i still paying a loan when the school and loan service were fraudulent and the school is closed because of it. No diploma or certificate to my benefit. Been paying since XXXX. Its not right. Ive complained several times in the past to CFPB about this. To no avail. But why? Its fraud! I need help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CIG FINANCIAL LLC
State: TX

Complaint narrative:
15 USC code 6802? A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, the company name cig fincl

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: GA

Complaint narrative:
Validation of Debt Request - L J ROSS ASSOCIATES - 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 public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
XXXX XXXX XXXX sued me for a credit card debt with XXXX XXXX. I sent multiple letters attempting to settle or negotiate debt that were never responded to. The notices were sent from an Oklahoma office that the collection notices were sent from. I then received a notice of garnishment, with verbiage stating not to mail anything to the Oklahoma office. I attempted to send multiple email directly to the firm and attorney using email addresses listed on the garnishment notice. When typing the email address XXXX into the address bar I received an error stating it was not a valid email address. Previous notices encouraged me to contact the office to discuss option which I did in writing and via email for record keeping. However despite their encouragement they refused to respond. Both of these tactics are deceptive and unfair within the definitions of UDAAP and FDCPA.

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 2026-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have repeatedly applied for Affirm services and have been denied based on 'inability to verify identity. ' I have contacted Affirm support multiple times. Each time, representatives state the issue is resolved, yet the system continues to deny me. I was promised an email link to upload my government ID to manually verify my identity, but Affirm has failed to send this link despite multiple requests. Under the Equal Credit Opportunity Act ( ECOA ), I am entitled to a specific reason for denial and a fair opportunity to provide the necessary verification. Affirms internal technical failure to provide the promised verification method is preventing me from accessing credit. I request that Affirm manually trigger the identity verification process or provide a secure portal to upload my documentation immediately. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I'm a Chase Sapphire XXXX customer, and Ive always kept my account in really good standing. Starting back on XX/XX/XXXX, I ended up with exactly XXXX cash-advance fees of {$10.00} each from small gambling and sports betting deposits I made. There are also 3 more pending transactions that will probably add the same fees. I honestly didnt notice at all that every single one of those small deposits was being treated as a cash advance. I had no idea each one was hitting me with the full {$10.00} fee plus interest right away. I only realized how much it added up when I finally sat down and looked closely at my statements. Ive paid the whole balance off in full every single month principal, fees, everything without missing a beat. When I called Chase recently, they were only able to refund the 2 most recent fees and said they couldnt do anything about the rest. This was just an honest mistake on my part.I didnt understand that gambling deposits would trigger cash-advance fees like that. The CFPB even put out a XXXX XXXX on XX/XX/XXXX, that talks about how these exact {$10.00} minimum fees on small gambling transactions catch people off guard. Im asking for a full reversal of the remaining 26 posted fees, plus the 3 pending ones, and any interest that went with them, as a one-time gesture of goodwill.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation