vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: CA

Complaint narrative:
I am filing a complaint regarding how Wells Fargo handled a dispute involving {$1000.00} charged to my account on XX/XX/XXXX. These funds consisted of federally protected income, including VA benefits and Social Security benefits. While the transaction was initially authorized, I am disputing it due to failure to deliver the contracted service. I paid a legal document preparation service for expedited preparation of a spousal property petition. The contract specifies preparation of a spousal property petition and related filings. I completed all required intake steps, including the online worksheet, which the merchant acknowledged receiving. On XX/XX/XXXX, the merchant confirmed that my file was placed in queue and stated that I would receive my initial set of paperwork for signing within one business day. This created a clear expectation that completed documents would be delivered promptly. However, the merchant later admitted in writing that the documents were only nearly complete and were not finished. The merchant also confirmed that they ceased preparing the spousal petition entirely and did not complete the contracted service. Instead, the merchant prepared different documents outside the scope of the original agreement and did so without issuing a new contract. I never received a completed or usable spousal property petition, and no documents were filed on my behalf. Additionally, the contract states that it is not valid or binding until a fully executed copy is provided to the client. The only version of the contract I received appears in a XX/XX/XXXX email, after the stated execution date. I requested clarification from the company regarding completed documents, confirmation of filing, itemized charges, and correction of errors in documents that were not part of the original agreement. I submitted this evidence to Wells Fargo during my dispute. I responded to their requests on XX/XX/XXXX, and again on XX/XX/XXXX, providing documentation that the contracted service was not completed. This statement was provided directly to Wells Fargo as part of my dispute submission. Despite this, Wells Fargo incorrectly stated that I did not respond and denied my claim, returning the funds to the merchant. I also requested copies of the documents used in their decision. I was told it would take 30 days, but it took over five weeks to receive any response. Wells Fargo failed to conduct a reasonable investigation and did not properly consider clear written evidence that the contracted service was not completed. I am requesting that Wells Fargo : Reopen and properly investigate my claim Review all submitted evidence Provide a full explanation of their decision Refund the {$1000.00}

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Resurgence Legal Group, PC
State: CA

Complaint narrative:
On or about XX/XX/year>, the law firm representing XXXX XXXX XXXX filed a lawsuit against me and submitted a Proof of Personal Service claiming that I was personally served. This statement is false. I was never personally served, no one attempted to identify me, and no documents were delivered to me directly. Instead, documents were allegedly left outside a gated apartment complex without any contact, acknowledgment, or proper substituted service. On XX/XX/year>, I contacted the law firm in writing to notify them that service was defective and that their proof of service was inaccurate. They acknowledged the issue and stated they would investigate with their process server. Despite this, no correction was made with the court, and the false proof of service remains on file. As a result, I have been placed at risk of a default judgment without proper notice or opportunity to respond. I was forced to file a Motion to XXXX XXXX of Summons due to their failure to properly serve me and their continued reliance on inaccurate court filings. This conduct constitutes a material misrepresentation and improper use of the legal system to attempt to establish jurisdiction without valid service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
I am submitting a complaint regarding credit reporting on my Apple Card account. Between XXXX and XX/XX/year>, I was on XXXX XXXX in XXXX XXXX Basic Combat Training and had no access to my phone or financial accounts. During this time, 5 late payments were reported. I was stuck at XXXX XXXX XXXX for longer than anticipated due to unexpected injuries. These late payments all occurred within one continuous period of military service and were not due to financial mismanagement. Since completing training, I have maintained my account in good standing. I attempted to resolve this directly with the creditor but was informed that no adjustments could be made due to automated reporting policies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Following my divorce, I opened an account online and received a wire transfer for my settlement. The online form would not allow me to put my hyphenated last name in the form. So I input my maiden name as my middle name. My married name as my last name. A few weeks later I received a message that my account was restricted and I needed to verify my identity. I went in-person to the bank with my Drivers License and Birth Certificate. However, I was asked to come back with my Social Security Card. After applying for and receiving a replacement Social Security card, I returned to the bank when it arrived 3 weeks later and was told that my SS card would not be accepted because it only had my maiden name on it. I was advised to apply for a SS replacement card name change and to add the married name to SS card. My account should have been rejected before accepting my money if there were concerns about my identity. I have produced a birth certificate, state-issued ID, marriage certificate, replacement SS card, mortgage with both spouses names listed, and utility bill to show my identity. These all include my First, Middle and Madien Last Name. The Drivers License has my First, Middle and Madien Last name and a hyphen adding my married Last name. I have extensively proven identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My original car loan was for 75 months. I have paid 75 months but, because I had a payment deferred at the end of the loan, they are charging me 77 months instead. A full monthly payment of {$860.00} & the remainder of $ XXXX was told over the phone on XX/XX/XXXX by a XXXX XXXX representative that the payoff was {$890.00}. I then requested payoff statement. When I received the statement, it stated {$890.00} for the payoff. I called to make the final payment on XX/XX/XXXX and the automated service stated I owe {$1700.00}. At this point I feel as Im getting scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Notice of Bankruptcy Discharge Violation Reference Number : XXXX To Whom It May Concern : This is a follow-up complaint regarding an account that I previously disputed and for which I have not received a response. This letter serves as formal notice that the above-referenced account is subject to a XXXX XXXX XXXX discharge and is no longer legally enforceable. The original creditor, XXXX XXXX XXXX XXXX ( XXXX ), is associated with my XXXX XXXX XXXX case, which has been discharged. Based on this, any debt connected to this account would be subject to the discharge and is no longer legally enforceable. The subsequent transfer or sale of the account to LVNV Funding LLC does not reinstate the obligation. Despite this, LVNV Funding LLC, through XXXX XXXX XXXX, continues to report and attempt to collect a balance of {$530.00}. This constitutes a potential violation of the discharge injunction under 11 U.S.C. 524. Additionally, this account has previously been disputed as the result of identity theft. The presence of identity theft further underscores the need for strict validation and accurate reporting, which has not been provided. You are hereby notified to : 1. Immediately cease all collection activity 2. Immediately cease all credit reporting of this account as an active collection 3. Delete this tradeline from all consumer reporting agencies to which it has been furnished 4. Provide written confirmation that this matter has been resolved Be advised that continued reporting or collection of a discharged debt may constitute willful noncompliance with federal law. I am maintaining documentation of all activity and am prepared to pursue further action if necessary. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information XXXX XXXX. XXXX Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the XXXX XXXX, specifically XXXX XXXX. XXXX, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with XX/XX/XXXX parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of XXXX XXXX. XXXX and related privacy provisions. Additionally, under XXXX XXXX. XXXX, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and opportunity to opt out. At this time, I do not recall providing authorization for your company to : XXXX. Possess my personal financial information XXXX. Share my data with credit reporting agencies XXXX. Report this account under my consumer profile Therefore, I demand the following : Immediate validation of your legal authority to possess and report my data Proof of my written authorization Documentation of compliance with all privacy notice requirements If you are unable to provide this documentation, you must : XXXX. Cease all reporting to all credit bureaus immediately XXXX. Delete this account from my credit file XXXX. Cease any further use or disclosure of my personal information Failure to comply will result in formal complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General This letter serves as formal notice of dispute and demand for compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding an unauthorized XXXX transfer from my bank account and the lack of adequate response from my financial institution. On or about [ XX/XX/year> ], a transfer of $ [ XXXX and XXXX ] was made from my account via XXXX to another individual. I did not authorize this transaction. I promptly contacted my bank to report the issue and requested that the transaction be investigated and reversed. Despite my efforts, I have not received a clear resolution, adequate assistance, or sufficient documentation regarding this transaction. The recipient of the funds is not authorized on my account, and I have no active authorization or permission in place that would allow them to access or use my account in any way. This situation has caused significant financial and personal distress. I am requesting : A full investigation into the unauthorized transaction Reversal of the transferred funds, if possible Documentation of how the transaction was authorized, including timestamps, authentication method, and recipient details Clarification of why my claim has not been properly addressed I am also concerned about the security of my account and request confirmation of what steps have been taken to ensure no further unauthorized activity can occur. Thank you for your time and attention to this matter. I expect a timely and thorough response. Sincerely, [ XXXX XXXX ] [ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing a complaint regarding an invalid debt that has been improperly reported and resold multiple times. In XX/XX/year>, I purchased a prepaid XXXX card from XXXX. I was explicitly told this was a prepaid service and that I would not be billed beyond what I paid upfront. I used the service briefly and discontinued use. Months later, I received a bill for approximately {$190.00} from XXXX XXXX for a service I never agreed to. I never signed any contract, never opened a postpaid account, and was never provided with an account number. When I attempted to resolve the issue : - XXXX told me it was out of their control and I had to contact XXXX XXXX - XXXX XXXX could not locate any account using my phone number- I was unable to access any account because none appears to exist - Despite this, the alleged debt was sent to collections - XXXX XXXX told me it was out of their control and I had to contact the debt collector directly The debt has since been sold to multiple collection agencies. I have disputed the debt, and XXXX instance was removed, but it has reappeared under a different collector. I formally dispute this debt because : - I never authorized or agreed to a postpaid service - No valid account or contract has been provided- XXXX XXXX can not locate the alleged account - The debt has not been properly validated This situation is causing ongoing harm to my credit report despite being inaccurate and unverified. This matter has caused significant stress and credit impact, and I am seeking a permanent resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX XX/XX/year> RE : Unauthorized Disclosure of Personal Financial Information 15 U.S.C. 6801 Violation To Whom It May Concern : I am writing to formally dispute your reporting of an alleged account on my consumer credit report. Under the Gramm-Leach-Bliley Act, specifically 15 U.S.C. 6801, financial institutions have a legal obligation to protect the security and confidentiality of consumers nonpublic personal information. You are currently reporting and sharing my personal financial information with third parties ( credit reporting agencies ) without providing evidence of : My authorization to share this information A valid and enforceable contractual relationship Compliance with privacy notice and opt-out requirements This constitutes a potential violation of 15 U.S.C. 6801 and related privacy provisions. Additionally, under 15 U.S.C. 6802, a financial institution may not disclose nonpublic personal information to nonaffiliated third parties without proper notice and opportunity to opt out. At this time, I do not recall providing authorization for your company to : 1. Possess my personal financial information 2. Share my data with credit reporting agencies 3. Report this account under my consumer profile Therefore, I demand the following : Immediate validation of your legal authority to possess and report my data Proof of my written authorization Documentation of compliance with all privacy notice requirements If you are unable to provide this documentation, you must : 1. Cease all reporting to all credit bureaus immediately 2. Delete this account from my credit file 3. Cease any further use or disclosure of my personal information Failure to comply will result in formal complaints filed with : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - State Attorney General This letter serves as formal notice of dispute and demand for compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
This issue happened in XX/XX/XXXX in 2026. I wan na file this complaint about Robinhood Markets Inc headquartered in XXXX, first j got a notice which mh account under review after that Robinhood decided XXXX way decision to close my account still I have my open positions most of them in loss, Robinhood didn't let me dispute and appeal their decision and didnt let me to transfer my assets to different Brokerage firm, they have restrictions on my account which I beis not right and they act recklessly. I believe Robinhood need to held accountable and I wan na transfer my assets to different Brokerage firm. They want to liquidate my positions in loss which they are my savings, if Robinhood want to close my account, they may do so, however they don't have right to liquidate my positions in loss. I need your assistance regarding in this matter. To whom It may concern I have a brokerage account with Robinhood Markets Inc located in XXXX, my individual Robinhood account number is XXXX, and I am holding some stocks which in loss, some of them in profit, however the my losses a lot I am waiting for them to recover. I had performed almost XXXX XXXX transactions after that Robinhood decided to suspend mu account and saying my account under review for security, I contacted to the customer support and requested a, phone call and I explained the situation and verify everything, the agent was very informative and said nothing to worry and as we understand you are aware, it won't be a problem, from this phone call what I understand, it was a security check to make sure the account is safe. After a day, the Robinhood decided to close my account and saying suspicious activity, and they said will liquidate my assets even if they are in loss. Thus is unacceptable. They don't even give me a way or chance to appeal or to dispute this decision. How come they can liquidate all my assets in loss who gon na pay for my losses. Strongly I believe I didn't do anything to violate their terms and conditions, and unfortunately they didn't not tell me the real reasons. They didn't give me solid answer about it. All they say this " We're closing your Robinhood account due to recent account activity. We'll notify you once this process is complete. '' I can't accept this kind of action, this is against my individual rights, if they want to end the contract they need to give me enough time to transfer my assets to different Brokerage firm. I won't accept Robinhood to sell my assets in loss. This Brokerage firm Robinhood can't act recklessly like that on their terms and conditions. They didn't give me a chance to explain and appeal it. This is against the customer rights. I need your help in this matter. I really looking forward hearing from you regarding this matter. Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Klarna AB
State: TX

Complaint narrative:
I purchased an item through XXXX XXXX using Klarna and returned it the next day. The return was completed with the merchant, and Klarna issued a refund, which I transferred to my bank account through their app. After the refund, Klarna attempted to withdraw funds from my account again and later reopened the payment plan for the same item. This is incorrect because the item was returned and I no longer have the product. I contacted Klarna multiple times and provided proof of return, including receipts and documentation. However, I received inconsistent responses and no clear explanation or resolution. Klarna has continued to treat this as an active balance and is attempting to charge me for an item that was returned. As a result, my account now shows a past due balance and additional fees for a purchase that should have been canceled. I am requesting that Klarna close the payment plan, remove all related charges and fees, and correct my account so that I am not charged for a returned item. In addition, I have experienced another issue with Klarna involving returned funds. After I returned a product purchased from XXXX, XXXX sent the refund back to Klarna, and the funds were held in my Klarna account. Klarna then used those refunded funds to make payments on my other payment plans without my consent. In the XXXX XXXX matter, Klarna also attempted to withdraw money from my bank account after I had already transferred my refund from Klarna to my bank account, which caused an overdraft issue. I filed a dispute with my bank, and the bank ruled in my favor, returning the funds to me. However, shortly after this, Klarna reopened the XXXX XXXX payment plan for the same returned item, despite the return being completed and the dispute being resolved.

Company response to consumer: Closed with explanation