vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information currently appearing on my credit report. 

The collection account listed below was paid in full, and the collection agency explicitly stated in writing that the account would be updated and deleted from my credit report. Despite this written confirmation, the account continues to be reported, which is inaccurate and a violation of the Fair Credit Reporting Act. 

Account Information : Collection Agency : Harris & Harris , Ltd . 

Original Creditor : XXXX XXXX Account Identifier : XXXX File Number : XXXX Date Paid in Full : XX/XX/2026 Harris & Harris , Ltd. provided a written letter stating : If we report your account to the credit bureaus, they will be notified to update and to delete their records, accordingly. 

Because payment was made in reliance on this representation, the continued reporting of this collection account is inaccurate and misleading. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that you : Conduct a reinvestigation of this account, and Delete this collection account from my credit report immediately, as promised by the reporting collection agency. 

I have enclosed a copy of the paid-in-full letter from Harris & Harris as proof . Please provide written confirmation once this account has been removed. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date of Birth : XXXX Last XXXX of XXXX : XXXX Phone Number : ____ ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Bridgecrest called my work number, a number not even listed on my account XXXX times within a XXXX week period, even after I told them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I have a XXXX  account that I use all the time. It was hacked and money was sent to someone else, {$280.00}. I disputed it, and received a refund into my XXXX  account. However my account is suspended after I uploaded the necessary documents. They wont give me access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have a credit card with bank of america I hv been late on payment they have harassed me for a few weeks after I told them not to bother me. I just told the other guy. I ws XXXX. Im currently on XXXX XXXX XXXXXXXX. I told them once my payment comes i will pay them but I made XXXX payment they took that in fes when according to them I always paid on time. Then the caller looked in my checking account and proceeded to question about y money. With out concent. I asked her to leave me alone.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MEI AUTO FINANCE INC
State: FL

Complaint narrative:
Company : MEI Finance ( auto loan/servicer ) Product/Service : Auto Loan ( XXXX XXXX XXXX ) Primary Issue : Improper thirdparty contact / harassment / communication practices What happened ( detailed narrative ) : In late XX/XX/XXXX, MEI Finance ( or its agents ) contacted my mother and left voicemail messages concerning my auto loan, despite the fact that my mother is not a cosigner, not an authorized user, and has no legal or financial responsibility for this account. I did not receive telephone calls from the company prior to these thirdparty contacts, and no voicemail was left in my personal voicemail inbox.

At the time of the thirdparty calls, I had already set up and confirmed a scheduled payment through MEI Finances CarCard application for the end of XX/XX/XXXX, and I have never missed a payment on this account. The companys decision to contact an uninvolved third party, rather than contact me directly, caused unnecessary embarrassment and XXXX  to my family and appears inconsistent with consumer protection standards governing thirdparty communications. 
I am requesting CFPB assistance to ensure the company stops contacting third parties regarding my account and implements corrective measures to prevent this from happening again. 
Dates / evidence : Voicemail transcription showing the company requesting urgent contact through my mother ( date shown on voicemail screen : XX/XX/XXXX ). 
XXXX XXXX  screen showing a scheduled payment already set for the end of XX/XX/XXXX. 
XXXX search screenshot showing the calling number associated with MEI Finance.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a Notice of Account Closing dated XX/XX/year> for all my accounts : checking account numbers XXXX, XXXX, XXXX, and XXXX ; and XXXX XXXX account numbers XXXX and XXXX. I request a detailed explanation and reconsideration/reopening of the account. I have been a client in excellent standing for more than 31 years. Please review urgently.

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: First Federal Credit Control, Inc.
State: TN

Complaint narrative:
So at first, I emailed them and I havent heard back from them for a while so I sent them a letter this company is out of state and I looked up their license if they can collect in the state I live but theyre not license in the state

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo denied my fraud claim verbally, without providing a written explanation. 

The bank states that the transactions were authorized because a PIN was obtained. However, I never authorized anyone to use my account. 

At the time of the disputed transactions, I was in government detention and later deported. During that time, I had no access to my debit card, phone, or personal belongings. Documentation proving my detention was provided to the bank. 

Any use of my PIN resulted from theft of my belongings, not authorization. The banks decision does not take into account my incapacity due to detention. 

I am requesting that Wells Fargo provide a written explanation of the denial and reopen the fraud investigation considering the documented detention and lack of authorization.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened the Citi XXXX XXXX on XX/XX/XXXX. I met the signup bonus of XXXX points with my first transaction. I was enrolled in XXXX on XX/XX/XXXX, and the points showed up in my account. Within days, Citi put a block on my accounts ( the XXXX XXXX that had been open since XXXX on top of the newly opened XXXX XXXX ) and informed me that I needed to submit the 4506-C form before I could use either of my Citi cards XXXX 

I sent them a letter on XX/XX/XXXX explaining that I was sending my tax returns in the hopes of expediting the process. On XX/XX/XXXX, I spoke with Citi representative XXXX at XXXX to inquire about why the block was still in place. He said he did see that my tax returns had been received, but that the appropriate department had decided this was insufficient to remove the block. So I filled out the 4506-C and mailed it in. I was accustomed to using another credit card by that time and didnt sign into my Citi account until XX/XX/XXXX, where I saw both accounts had been closed. I spoke to a representative named XXXX at XXXX on XX/XX/XXXX. She said she couldnt tell me much about why it happened and that I should call another time. So I spoke to a representative named XXXX on XX/XX/XXXX at XXXX. She said the accounts were closed because I didnt send in the form. When I said that I did send it back, she asked me if I had any proof. She told me I should send the form again and get tracking this time. 

I called today ( XX/XX/XXXX ) at XXXX to inquire about the status of the account. I spoke to a representative named XXXX who checked with a supervisor and authorized a refund check for the {$590.00} annual fee I had paid to use the card. He told me I was welcome to reapply, and I pointed out that doing so would hurt my credit score even further. 

It doesnt seem like they wanted my tax information at all, because I sent it directly to them AND sent in the form multiple times. They not only cancelled my recently opened account but also one that had been open and in great standing since it was opened in XXXX. These actions negatively affected my score ; it dropped below XXXX for the first time in years. The money I spent earning their advertised sign up bonus could have been used on another card that wouldnt drop me after quickly meeting it and would honor the points I earned.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my account for absolutely no reason saying it was a business decision I went to the bank to see what was going on and they told me if was literally anything wrong with my account but somehow from the mobile app it says account locked

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 2026-01-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
am submitting this complaint regarding two private Signature Student Loans serviced by MOHELA that were used to finance my attendance at XXXX XXXX, a for-profit institution, from XXXX through XXXX. 

These loans carry variable interest rates of approximately 8.75 % and 12.75 %. Over the course of repayment, I have paid more than {$25000.00} total toward these loans. Despite these payments, the majority of the amounts paid were applied to interest rather than principal, resulting in little to no meaningful reduction of the balances. 

As of my most recent account review in XXXX, the combined outstanding balance on these loans is approximately {$55000.00}, with a substantial portion attributable to accrued interest. Payments have continued to be allocated primarily to interest, allowing balances to grow despite my repayment efforts. 

During repayment, I contacted MOHELA on multiple occasions to request information regarding my loan balances, interest capitalization, payment allocation, and available repayment or hardship options. I also requested assistance in identifying a sustainable, long-term, payment-based solution. While MOHELA provided limited information and offered temporary options such as forbearance, I was not given a clear explanation of how interest was being calculated or applied, nor was I offered a reasonable long-term repayment resolution that would allow payments to meaningfully reduce principal. 

Federal student loans associated with my attendance at the same school were later discharged under the XXXX  XXXX XXXX XXXX XXXX to Repayment process due to school misconduct. While those federal loans were relieved, I continue to carry these private loans tied to the same education, resulting in ongoing financial harm. 

I am requesting a full review of how payments and interest have been handled, including servicing and interest-calculation practices, and consideration of a reasonable, payment-based hardship resolution that reflects the amount already paid and the excessive interest accrued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a claim involving negligent auto repair and reliance on false third-party representations. 

A repair shop, XXXX XXXX XXXX, performed a failed repair on my vehicle, leaving it not drivable. After the failed repair, XXXX XXXX XXXX represented directly to Capital One that it would repair the vehicle at its own expense. 

Capital One relied on this representation in its claims handling. However, XXXX XXXX XXXX has failed to perform the agreed repair. 

Capital One has been made aware of the repair shops non-performance but has failed to ensure that the representations relied upon during the claims process were honored and or refund me as requested. As a result, I continue to experience financial harm and loss of use of my vehicle. 

I am requesting CFPB review of Capital Ones claims handling, including its reliance on inaccurate or unfulfilled third-party representations and failure to ensure a fair and reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was the victim of fraud by impersonation and fraudulent inducement involving XXXX payments. The recipient falsely represented herself as the owner or authorized landlord of a mobile home, executed a written lease, and collected a security deposit and rent from me. I later discovered she had no legal authority to rent or sell the property. 

I reported the fraud to PNC, filed XXXX fraud disputes, and provided documentation including the lease, payment records, and evidence of misrepresentation. A police report was filed and supplemental evidence was accepted by law enforcement. 

PNC initially denied the claim under the XXXX user agreement. After escalation, the disputes were reopened and annotated with fraud-by-impersonation notes, and new case numbers were issued. However, PNC did not issue provisional credit or reimburse the funds. 

I am requesting regulatory review of PNCs handling of this fraud claim, as the authorization for the payments was obtained through impersonation and misrepresentation, not an ordinary peer-to-peer transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the above-referenced credit card account, which is currently reflected on my credit report as a charge-off and collection account. This reporting is erroneous, misleading, and inconsistent with the facts surrounding the resolution of this account. 
Approximately XXXX ( XXXX ) years ago, I entered into a settlement agreement with an authorized representative of your institution regarding this account. The settlement terms were agreed upon in good faith, and I fulfilled my obligations pursuant to that agreement. At no point was I informedeither verbally or in writingthat the account would subsequently be transferred to a third-party collection agency or reported as a charge-off. 
It is therefore unclear, and legally concerning, why this account was later assigned, sold, or transferred for collection and reported in a derogatory manner. Such reporting appears to constitute inaccurate credit information under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires furnishers of information to ensure the maximum possible accuracy of consumer credit data.

Furthermore, reporting a settled account as a charge-off may also constitute false, deceptive, or misleading representation of the legal status of the debt, in potential violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), to the extent the account was furnished or collected after settlement.

Accordingly, I hereby demand the following : Immediate investigation of this matter pursuant to your obligations under federal law ; Written validation and documentation of the alleged charge-off and any authority under which the account was transferred to collections after settlement ; Correction or deletion of any inaccurate, incomplete, or misleading information currently being reported to all consumer reporting agencies ; and Written confirmation of the actions taken to resolve this dispute.

Please be advised that failure to correct this matter may leave me no alternative but to pursue all remedies available to me under applicable federal and state laws, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the State Attorney Generals Office, and seeking legal relief if necessary. 
This letter is sent without waiver of any rights, claims, or remedies, all of which are expressly reserved. 
I expect your written response within 30 days of receipt of this correspondence, as required by law. 

Sincerely, 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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I called Wellsfargo corporate office and explained that my federal tax payment was not deposited into my account. I received my state but not my federal. I gave the office proof of when the funds were to be deposited into my account and a letter from IRS but they still refused to find my money or deposit my funds. I have been trying for over a year with no resolution. Please look into this

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
I cant quote the amount that was taken but it was XXXX dollars. I cant find it im my statement. They denied me twice. But nobody would tell me why. Treated me like im the theif. I told them I had names and addresses for the people that were involved and even left comments on the transaction note. Like as to say got ya again. Im sick of it. They blew it off sbd said I did it. They are supposed to cover situations like this and are never helpful. I told them today that im not letting it go and they have closed my account. Thats so wrong. Please help me get my funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Midwest Fidelity Services, LLC
State: SC

Complaint narrative:
A customer service rep called me on today XX/XX/year> demanding that I better make a payment and he was so rude. He stated that I keep saying the same thing over and over again about my payment arrangements a that I keep making up excuses about my payment when he dont know my situation. I think he was rude and out of order and needs to be fired and the car was recorded so you can pull up my information and listen to the conversation yourself. I feel like I shouldnt be responsible for this debt because of the way that Ive been treated by this company and Im tired of being harassed with phone calls back to back every week.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation