vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 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 I was placing an order on a site that is called XXXX, a few weeks earlier I had placed to orders without a problem on this particular day they were offering me a quote on quote deal however after I chose the items that they said were available and being charged they said oh no you have to order something else in order to get that deal reluctantly I did which was about a total of both orders for about {$20.00} however when I went back to log off of the site it was telling me oh no you have to order something else in order to get this deal at that time I called my bank and told them the information I just explained told them I had my card it was not lost or stolen but that I wanted to dispute the two prices that were on there from this company when the customer service representative canceled my card without my permission instead of just disputing the two charges leaving me having to notify multiple people about auto debit transactions and my new card information as well as being inconvenience to not have my card I have been a customer with Wells Fargo for a long time but not much longer and I will tell every social media platform to warn everyone about the horrible customer service experience I receive from Wells Fargo supervisor came on after the representative prior canceled my card without my permission and quote on quote said oh if I could push a button and reactivate your card I would but too bad so sad now we're going to inconvenience you and I want everyone to know that you're lucky if you get a customer service representative where you and they can speak the same language and how hard it is to understand them and how many times I had to repeat and ask what they were saying I have not received an apology and I won't but I am going to make sure that everyone knows what a horrible experience I have with them

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/year>, a transfer of {$410.00} was initiated by XXXX XXXX ( via XXXX ) to my Chase account. Due to a typo error, the account number was missing the final digit. Despite the clear mismatch between the incomplete account number and my legal name, Chase Bank accepted or diverted these funds rather than rejecting the transfer. Chase Customer Service refused to investigate whether these funds are held in a suspense account and did not provide any documentation regarding the status of this transfer. The customer service asked me to check with XXXX and XXXX and I have been caught in a loop between XXXX XXXX, XXXX and Chase Aer Lingus tried to retrieve the funds, but Chase has not cooperated. Chase 's refusal to provide an explanation or search their internal holding accounts for a mismatching name/number constitutes a failure to provide basic banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
Account number XXXX doesn't report for 3 years XXXX XXXX XXXX loan almost paid off i have 3 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: DISCOVER BANK
State: HI

Complaint narrative:
I am submitting this complaint regarding Discovers handling of a billing dispute involving a billing error for services not rendered. On XX/XX/year>, I made an XXXX reservation using an XXXX gift card. Shortly after, I requested a modification to extend the stay through XX/XX/year>. When I accepted the modification, XXXX charged my Discover credit card {$3100.00} ( Transaction ID XXXX XXXX XXXX XXXX XXXX I did not receive any services for this charge. After noticing the charge, I immediately contacted the host and XXXX support and canceled the reservation associated with the {$3100.00} charge before any stay occurred. No accommodation or service was provided for that reservation. I subsequently rebooked the same accommodation and paid separately using the appropriate payment method. As a result, I paid for the same stay twice, once through the disputed charge of {$3100.00}, which was never used, and again through valid payments for the reservation I actually used. Despite the reservation tied to the {$3100.00} charge being canceled prior to the stay, XXXX refused to issue a full refund and retained charges including accommodation costs, taxes, and service fees for a reservation that was never used. I disputed this transaction with Discover as a billing error involving a charge for services not rendered. Discover denied the dispute, stating that because my card was on file with the merchant, the charge was considered authorized and that they were bound by the merchants terms and conditions. Discovers response did not address whether the charge was valid given that no services were provided for the transaction. I also requested clarification and documentation supporting Discovers definition of authorization, including whether placing a card on file constitutes authorization for charges of this nature. No written documentation or policy was provided. I have submitted documentation showing that the reservation associated with the {$3100.00} charge was canceled before any services were rendered and that I paid separately for the stay I actually used. I am requesting that Discover conduct a proper investigation into this billing error, specifically addressing the validity of the charge in light of the fact that no services were provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
XXXX is a company that take advantage of people and their Credit score ... fees and interest then you can never get a correct solution to anything... then I was apart ID theft..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate and potentially unlawful reporting of collection accounts on my credit report, as well as harassment by debt collectors. Several collection accounts continue to appear as new or recently updated, despite being old debts. These accounts appear to be improperly RE-AGED, which is misleading and negatively impacting my credit. They are appearing as XXXX, XXXX and XXXX and some are 6-7 years old. Under the Fair Credit Reporting Act, the date of first delinquency must not be altered. However, these accounts are being reported in a way that makes them appear newer than they actually are. I have : Contacted the credit reporting agencies Disputed the accounts Attempted to resolve the issue directly with the collection agencies Despite t hese efforts, the inaccurate reporting continues. In addition, I have experienced serious harassment from the debt collectors : Collectors have contacted my family members and made threats to come to their homes looking for me They stated that I could be arrested, which is extremely alarming and misleading These actions caused significant distress, including frightening my daughter Collectors have also contacted me directly and threatened to come to my place of employment These actions are inappropriate, intimidating, and appear to violate federal consumer protection laws. This situation is causing harm to my financial stability and emotional well-being, including difficulty securing housing. Additional information provided by consumer : XXXX XXXX would like this complaint to go to LVNV FUNDING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my Citibank account in person long time ago, approximately XXXX years ago, at a branch and was explicitly informed at that time that there would be no monthly maintenance fee associated with the account. After XXXX year, I reduced my balance while still maintaining funds in the account. I later discovered that in XXXX, a $ 15 monthly maintenance fees had been charged for approximately XXXX months without my knowledge. Citibank stated that a notice of changes had been mailed ; however, I never received any such notice. I was not otherwise informed of these changes through any alternative communication channel. Had I been properly notified, I would have closed the account immediately and avoided these charges. Although Citibank refunded XXXX months ( {$120.00} ) as a courtesy, they declined to refund the remaining fees. Due to this issue, I closed the account the same day and received a cashiers check. At this time, I am requesting : A full refund of the remaining monthly maintenance fees that were charged without proper notice Written confirmation that the {$120.00} refund was included in my final account balance and cashiers check A detailed explanation of how my final account balance was calculated upon closure I believe the fees were assessed without adequate disclosure and request that this matter be reviewed and resolved promptly.

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 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Branch Messenger, Inc.
State: NJ

Complaint narrative:
Date : XX/XX/year> Time : XXXX XXXX Place : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I attempt to withdraw {$300.00} from my Uber Pro Card ( Branch Financial Technology Company ) and the ATM gave me a receipt, but never dispensed the cash. Yet, the above amount was deducted from my XXXX Card. I contacted Branch through the phone app and filed a dispute, which they denied almost immediately, claiming they are not responsible for ATM malfunctions. I called the ATM company, XXXX, and they asked for the transaction information : date, time and Terminal number which I gave and they said to contact my bank. I have yet to hear from XXXX. When I did contact my bank by phone they restated that they are not only not responsible for atm malfunctions but that they will not contact, or be contacted by the atm manufacturer or company who own the machine, and they will not help me with this issue. I read online that so called " phantom withdrawals '' happen and that your financial institution ( in my case branch ) should work on your behalf in resolving such an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Faloni Law Group
State: NJ

Complaint narrative:
Attempts to collect debt not owed / improper collection practices I am filing a complaint regarding debt collection activity by Faloni Law Group LLC concerning an alleged debt of {$540.00}. I dispute this alleged debt in its entirety and do not recognize it. Background : This account has been the subject of multiple prior disputes with the alleged owner, XXXX XXXX XXXX, including : XX/XX/XXXX initial validation request XX/XX/XXXX second request sent via certified mail XX/XX/XXXX final notice and dispute Additionally, I sent a formal dispute and cease-collection notice to XXXX XXXX XXXX regarding the same account. Despite these repeated disputes, no proper validation has ever been provided. Current Issues : The account was subsequently placed with Faloni Law Group LLC, which has attempted to collect on this alleged debt. This raises serious concerns because : The debt was already disputed multiple times No meaningful validation has been provided at any stage The account appears to have been transferred between multiple collectors despite active disputes Collection activity has continued without proper verification As a law firm engaged in debt collection, Faloni Law Group LLC is required to comply with the Fair Debt Collection Practices Act ( FDCPA ). Continuing to collect on a disputed and unvalidated debt may constitute violations of federal law. Requested Resolution : I request that : The alleged debt be fully validated with proper documentation ; OR All collection activity cease immediately if validation can not be provided The account be deleted from all consumer reporting agencies if it can not be verified Additional Notes : This complaint is being submitted after multiple good-faith attempts to resolve this matter directly with the alleged creditor and prior collectors, all of which were ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Central Portfolio Control. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Central Portfolio Control owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Central Portfolio Control to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint against EverBank regarding a denied fraud claim. I was the victim of a social engineering scam on XX/XX/year>, during which I was manipulated over several hours into transferring funds under false pretenses. I believed I was securing my account, not sending money to a third party. EverBank denied my claim stating the transactions were authorized, despite the fact that the authorization was obtained through deception and fraud. I reported the incident immediately and filed a police report with XXXX ( Complaint Report No. XXXX, XXXX XXXX ). This is a case of fraud, not legitimate authorization. I am requesting that EverBank reopen the claim and reimburse the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I want to surrender the vehicle .. My son can't afford the price/ payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have on multiple occasions requested debt validation complete debt validation with assignment contracts and amounts that they paid for a debt that they say I owed and the ability for them to collect on said that all things pursuant to the federal codes I have asked for they have not given them to me or provided anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Please read my previous complaint that was closed without resolution. I can not log in to rocket mortgage and locate my loan to make a payment or even view the balances. As of today, XX/XX/XXXX, this problem still exists. I have spent hours attempting to make my XXXX payment and was finally able to resolve that on the XXXX. By using a link that forcibly took my payment. I still can not log in and make a payment or view my account. The letter that was provided to close my last complaint is inaccurate stating falsely that this is resolved and I can make payments now. I can not make payments nor view my loan. when I log in the system recognizes me by displaying my name in the top right corner but says it can not locate a loan related to my social security number, login, telephone number, birthday, loan number. It's still unclear whether my payment was applied to the at all since I can't look anything up. This problem is not resolved

Company response to consumer: Closed with explanation