vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On Thursday, XX/XX/XXXX, at approximately XXXXXXXX XXXX CST, an individual impersonating me successfully withdrew {$3000.00} inside the above-referenced branch. At the same time, an additional {$4000.00} was fraudulently withdrawn through XXXX ATM transactions at the Chase branch located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Both transactions were conducted using a debit card I did not lose, share, or authorize. 

Chase later informed me that the perpetrator used a fraudulent debit card, my PIN, and a one-time text verification code. This was alarming, as I do not routinely use my debit card and deliberately rely on Chase-issued credit cards to minimize risk. I have never shared my card, PIN, or account credentials with any individual or third party. 

At the time of the fraud, I was at my office and received a call from a number appearing as Chase Bank ( ( XXXX ) XXXX ). Before proceeding, I attempted to verify the callers legitimacy by requesting validation of my account details and recent transactions, which the caller correctly provided. I was then told that suspicious activity had been detected and that my account could not be locked without verbal verification of a one-time text code. Believing I was speaking with a Chase representative, I provided the code. Immediately afterward, I reviewed my accounts and discovered the unauthorized withdrawals. I contacted Chase Customer Service and, after significant delay, had my accounts frozen ; however, by that point, {$7000.00} had already been withdrawn. 

I promptly filed two fraud claims. The {$4000.00} in ATM withdrawals was ultimately reimbursed. However, I was informed that the {$3000.00} branch withdrawal claim was denied. During a subsequent call, a Chase representative suggested that my compliance with the text verification implied involvement in the fraud, which I strongly dispute. 

I also filed a police report and closed and reopened my accounts at a local branch. I was informed that video footage and teller identification records would not be released to me directly and would require law enforcement involvement. Upon contacting the XXXX XXXXXXXX XXXX XXXX, I was advised that such cases are common and that Chase typically resolves these matters directly. No further police investigation was pursued.

Chase failed to protect my account in the following material ways : 1. ) Failure to safeguard customer information : The perpetrator possessed detailed account knowledge, including prior transactions and personal identifying information.

2. ) Failure to detect fraudulent credentials : Branch and ATM systems accepted a fraudulent debit card as legitimate.

3. ) Failure of fraud monitoring controls : Multiple large withdrawals.

I entrusted Chase Bank to safeguard my financial accounts. The denial of reimbursement for funds stolen inside a Chase branch represents a serious failure of that responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I am a consumer on permanent Social Security XXXX  income. I have overdraft protection turned off on my Wells Fargo checking accounts. 

Despite this, I am stuck in a repeated XXXXoverdraft fee loop that I can not escape. When fees are assessed, they reduce my already limited balance, which then causes additional overdraft fees on later transactions. This has created a compounding cycle rather than a one-time fee. 

Over approximately 90 days, Wells Fargo charged me over {$340.00} in overdraft/XXXX  fees across two accounts, even though overdraft protection is disabled. 

Account ending in XXXX : XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee returned : {$35.00} XX/XX/XXXX Overdraft fee returned : {$35.00} Total fees assessed : {$210.00} Amount returned : {$70.00} Net charged : {$140.00} __________________________________________________ Account ending in XXXX : XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} XX/XX/XXXX Overdraft fee : {$35.00} Total fees assessed : {$100.00} Amount returned : {$0.00} These fees disproportionately impact me as a fixed-income, XXXX consumer. Turning off overdraft protection ( which I did ) but still I have not been provided a viable way to stop the Overdraft cycle. 

I contacted Wells Fargo by phone, on XX/XX/XXXX, and they refunded {$70.00}, but the underlying issue remains unresolved. They are only allowed to remove 2 courtesy overdraft fee 's per year, per their policy. I have been a Wells Fargo Customer for almost XXXX years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Synergetic Communication Inc
State: PA

Complaint narrative:
Synergetic Communications is reporting a collection account in the amount of {$7200.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice prior to this account being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This failure alone constitutes a statutory violation subject to up to {$1000.00} in statutory damages per action.

Furthermore, I formally requested validation of this alleged debt well over 60 days ago, and Synergetic Communications has failed to provide any documentation to substantiate the accuracy, ownership, or legal enforceability of this account. Despite my timely request, Synergetic continues to engage in collection activity by furnishing and maintaining this tradeline on my credit report, in direct violation of FDCPA 1692g ( b ), which requires all collection activityincluding credit reportingto cease until validation is provided.

Synergetic Communications is also furnishing information it can not substantiate, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after notice of dispute, in violation of FCRA 623 ( b ). Reporting a high-balance collection without proof is not a reasonable investigation and does not meet the maximum possible accuracy standard required under FCRA 607 ( b ).

For avoidance of doubt, lawful validation of a collection account requires, at minimum : Proof of legal ownership and chain of assignment from the original creditor The original lease, contract, or agreement allegedly creating the debt An itemized breakdown of the {$7200.00} balance The Date of First Delinquency ( DOFD ) Documentation showing collector authority to collect Accurate XXXX  reporting with dispute indicators Synergetic Communications has provided none of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: AZ

Complaint narrative:
I pay bi weekly and asked how much interest is coming out of my weekly payment and they said XXXX out of XXXX, I need some kind of help that sounds illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing this because I feel completely ignored and I don't know what else to do. Capital One provided a response to my last complaint, but it turned out to be a total dead end. They uploaded a PDF that explicitly told me to email them to resolve the issue, but they didn't actually include an email address in the document. I was so desperate to reach them that I tried sending 7 different emails to addresses I found, but they haven't replied to a single one. 

I finally found a phone number on that PDF ( XXXX ) and called it immediately, hoping to just get the correct email address. I sat on the phone for 37 minutes, only to have XXXX XXXX ( ID : XXXX ) tell me she couldn't even find my case number. It was really disheartening when she refused to give me an email address and just told me to " do nothing and wait for Capital One to call me. '' I have been waiting since XX/XX/XXXX with absolutely no word from them, and it is incredibly XXXX  to be left in the dark like this about my own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
The company stated it is unable to respond to my CFPB complaint due to pending or prior litigation. This statement is incorrect. 

There has never been any litigation, lawsuit, arbitration, or legal action involving me and this alleged account. I have never retained an attorney, never been served legal papers, and have no knowledge of this debt or its origin. 

The companys claim of litigation appears to be a misrepresentation used to avoid responding to my complaint and to avoid validating the alleged debt. This account is being reported without proper verification, and I dispute owing this debt entirely. The debt they are alleging is {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Vehicle was on pay plan. Company never notified of potential REPO/ Billing Issue. 
Tow truck came at XXXXXXXX XXXX  on a Sunday, when company was not open to discuss. 
We were not allow to gather any personal belongings before tow. 
Contacted company next day, 'Verbal notice ' of REPO was then given, after car had already been taken, written notification was never provided. Company wanted payment which included tow fees/ REPO fees.

We were never able to access the vehicle, tow company emptied car before we agreed to let them take it. Multiple items were missing from our belongings. REPO process was already submitted/ reported to credit before we agreed to let them keep the car/ try to work out gettign it back.

We were attempting to gain the funds to pay the fees, but then REPO had already hit our credit and car was already taken/ emptied within 24 hours. We had them keep the car and went elsewhre to purchase something new. REPO happend on Sunday XX/XX/2026 about XXXX, we were advised they needed fees by that Friday XX/XX/2026, to try and keep the car, but they ended up processing the REPO the next day, Monday XX/XX/2026. I did not get ANY communication via mail/ email until XX/XX/2026 from the company about the REPO/ possibiliy of re-claiming the car, after we had already purchased a new car. We were never correctly notified, company adviseed they 'tried to call XXXX, and were unsuccessful ', but never attempted follow up or email// mail correspondance. I had to miss 2 days of work to aquire a new vehicle, which including renting a car, putting a down payment on something new and my credit being hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
The XXXX XXXX at Truist Bank has investigated a claim by me where my wifes debit card was hacked/scanned and funds were transferred overseas. Truist gives Debit cards instead of ATM cards to use at their ATM machines. My wife and I have never believed in the safety of Debit cards and do not use the one they gave us, other than to withdraw money from the ATM. Recently ( about XX/XX/year> ) my wifes card ( in her wallet ) was scanned and the thieves emptied our bank account with fraudulent transactions to some overseas money laundering organization called XXXX out of XXXX XXXX In XXXX, there were XXXX transactions for {$1900.00} each, spaced just minutes apart. 

I caught the transactions prior to them executing, as the transactions had a XXXX business day pending period and I called Truist XXXX hotline ( 4 times over 5 days with over an hour for each call ) to cancel the transactions. They said they could not cancel and that they can only address the issue after the money left my account. They, in good faith, credited my account the {$7900.00}, as the account is FDIC insured. After XXXX business days the money was taken and the XXXX XXXX initiated their investigation. They called XXXX and were told the transactions were legitimate and they trusted them at their word. No one ever called me for information. Now Truist wants to take the money back out of my account. 

I filed a police report on the matter with the XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. 
I also filed complaints with the FDIC and the Consumer Financial Protection Bureau. Truist ruled to the CFPB that they re-investigated the case and still find me and my wife at fault. Again, they never reached out to me. 

I have gone to the bank and emptied my accounts for cash, as the Truist agents at my local branch advised me to do and moved to a new bank. 
Truist is threatening to report me to the credit bureaus. 
I have also contacted Truist XXXX and asked for copies of the recorded calls from each time that I called them. They refuse. 

I am forced to now work with a lawyer to handle the situation. 

This is a list of Truist personnel that I have been in contact with : XXXX XXXX Assistant Vice President XXXX  Solution Services Team Lead II Truist XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Office : XXXX XXXX XXXX XXXX Client Resolution Senior Specialist Truist Office : XXXX XXXX XXXX XXXX  XXXX Office : XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding a large and unfair balance resulting from deferred-interest promotional financing on my My Best Buy Credit Card serviced by Citi Retail Services . 
In approximately 2022, I purchased a TV, washer and dryer, an XXXX, and a speaker for a total of approximately {$2400.00} using promotional financing. My understanding of the promotion was that no interest would be charged during the promotional period, and that if not paid in full by the expiration date, interest would be added at that time. 
I did not understand or consent to deferred interest then accruing and compounding for years, creating interest on interest and causing the balance to grow far beyond the original purchase amount. 
To date, I have already paid approximately {$3700.00}, which exceeds the original cost of the items, yet I am now being told I still owe {$3100.00}. This would result in paying nearly {$6800.00} on a {$2400.00} purchase with no new spending. 
I believe this outcome reflects : Inadequate and unclear disclosure of how deferred interest would be calculated and compounded Failure to provide clear and conspicuous notice at promotional expiration Unfair and unreasonable interest calculation resulting in disproportionate harm A continuing billing error due to excessive compounding A practice that may constitute an unfair and deceptive act or practice ( UDAAP ) under consumer protection standards A reasonable consumer would not expect that missing a promotional payoff deadline would result in paying more than three times the original purchase price through years of compounded interest.

I am concerned that this reflects a systemic issue with how deferred-interest promotional financing is disclosed and administered, not an isolated error.

When I contacted Citi, the call-center refused any adjustment, blamed me for not paying in full, and did not address the adequacy of disclosure or the reasonableness of the interest calculation.

I am requesting : Removal of all remaining deferred interest Review and credit/refund of excess interest already charged Full documentation of each promotional purchase, deferred interest amounts, how interest was calculated after expiration, and proof of clear notice A fair resolution that reflects the original purchase amount and reasonable interest, not runaway compounding The account remains open and the balance continues to accrue interest, causing ongoing harm.

I respectfully request a formal review by Citis executive resolution team to avoid the need for further regulatory escalation or legal consultation regarding unfair or deceptive lending practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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