vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
On XX/XX/XXXX I tried to open a new checking account with capital one. I have multiple checking accounts with them, including my personal and business accounts and have had these accounts for many many years. 

After sending in a photo of my id they decided they needed additional verification. I woke up XX/XX/XXXX to all of my checking accounts being restricted, personal and business. 

I called XX/XX/XXXX because they were closed on the XXXX. I was told I needed to take my drivers license and social security card to a bank or capital one cafe. I do not have a copy of my social security card ( I did not need this to open my accounts initially ). The person on the phone told me I could take additional Id with me if I didnt have a social security card. So, I took every piece of id I had. 

There is only XXXX location in XXXX so on the XXXX I went downtown to the cafe at XXXX. The ambassador called another person and spoke to them to see if they could unfreeze my accounts. They said they could ONLY unfreeze them if I showed them my social security card. 

I have ordered my social security card which could take as long as XXXX business days to receive. In the meantime all of my accounts are frozen. I can not pay my businesses rent, I have payroll due. 

This restriction had nothing to do with my business, it had nothing to do with fraudulent charges or my current accounts. It happened only because I wanted to open a new account and now I can not pay bills and many of my charges are bouncing. 

This is not only inconvenient but has caused hardship for myself, my family, my business and my employees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MN

Complaint narrative:
Wanted to achieve good credit went to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  they gave me a choice of XXXX cars. Made the choicXXXX XXXX XXXX XXXX XXXXXXXX took a picture with the car found out they did not put it on the web site. Came back a week later asking to take the car back because I found out it was a flood car. I simply was told you want good credit keep the car so I left the dealership. Skipping to the present the blue book value of the car is XXXX XXXX dollars. So far I have payed them XXXX XXXX now they want XXXX more. What can I do with this problem. I want to take them to court because I will not be giving them anymore money the transmission went out got that fixed now having other problems.

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 2025-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
RADIUS GLOBAL SOLUTION Original creditor : XXXX {$210.00} Account info Account nameRADIUS GLOBAL SOLUTION Account numberXXXX  Original creditorXXXX XXXX  sold- Account typeCollection Date openedSep XXXX, XXXX  StatusCollection account. {$210.00} past due as of XX/XX/year>. 

Status updatedXXXX XXXX  Balance {$210.00} Balance updatedDec XXXX, XXXX  Original balance XXXX XXXX  Monthly payment- Past due amount {$210.00} TermsXXXX Month Responsibility Individual Your statement- Payment history XXXX  XXXX XXXX XXXX XXXX- XXXX- XXXX- XXXX- XXXX- XXXX- XXXX  XXXX  XXXX  C Collection - Data Unavailable Contact info XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Comments 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 non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Stellantis Financial Services US Corp.
State: IA

Complaint narrative:
I am an authorized party on this auto loan and have been actively attempting to manage the account responsibly.

Only three payments have been made on this loan, making it a new account. I contacted Stellantis Financial Services to request a temporary administrative or dispute-based hold, not a financial hardship forbearance.

The request was based on disputed ownership/title circumstances, and recently identified abuse and related financial coercion, which came to light following a severe trauma response and subsequent safety concerns. I also requested clarification of applicable policies and escalation options. 

Multiple representatives and a supervisor stated the account is " too new for any holds '' and that nothing could be done, without providing a written policy explanation or offering further escalation. 

I am concerned this represents a misapplication of servicing policy, as lenders routinely place administrative holds on new accounts for disputes, fraud, or other regulatory review. I am attempting to act in good faith, continue making payments when possible, and avoid adverse action while the dispute is reviewed.

I am requesting that Stellantis Financial Services be required to conduct a formal servicing and compliance review, provide written clarification of the policy relied upon, and place a temporary administrative/dispute hold to prevent negative credit reporting, collection, or repossession activity during this time. 

Account Number XXXX VIN XXXX Vehicle Model 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 2025-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I requested a refund on a payment and I was told it was in review for 3 weeks. Initially I was told that the original request would be fulfilled within 2 weeks. I called again and was informed that the request for refund was never submitted properly, delaying the refund further

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I booked a non-refundable and pre-paid hotel in XXXX, XXXX with XXXX XXXX XXXX. I received a confirmation email for the booking. When we got to the hotel ( XXXX XXXX ), the hotel did not have the reservation on file and could not provide us with the room we already paid for. I called XXXX XXXX XXXX support team while still at the hotel lobby to advise them of the reservation issue. I also emailed them. An agent from XXXX XXXX called the XXXX XXXX  while we were still waiting at the lobby and confirmed that there was no room available for us. We scrambled to find another hotel nearby. I used the Citi Cards American XXXX XXXX XXXX XXXX for the booking and used the same card to pay for a new hotel on XX/XX/year>. After back and forth with the merchant ( XXXX XXXX  ) and they refused to provide a refund, I filed a dispute for chargeback with Citi Cards on XX/XX/year>. More than 5 months later, Citi Credit refused to provide the refund despite providing supporting documentation and after multiple escalations to their Executive teams. The amount of {$340.00} is still charged to my card without resolution despite consumer protections through Fair Credit Billing Act.

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 2025-12-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX completed a procedure for me in early 2025. I paid a deposit outright and I paid for the remaining balance outright. I continue to receive letters from the XXXX XXXX However, the letters did not disclose of an outstanding balance or any debt or service Owed to the institution. I have received a call from a debt collector with no previous attempts to resolve this outstanding balance that I was unaware of. I called XXXX XXXX XXXX XXXX XXXX and two of the representatives refused to allow me to speak to a supervisor to resolve the issue, claiming that they had sold the account to a debt collector medicredit. The institution refused to provide me any proof, documentation or anything in regards to this outstanding ballot there was no verification no professionalism displayed from the representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom It May Concern I am writing to formally request that you cease and desist all communications with me regarding the alleged debt referenced above.

I do not consent to being contacted by you or your representatives by phone, email, text message, mail, or through any third party. This request applies to all forms of communication.

If you believe you have a legal basis to pursue this matter, you may only contact me to confirm that you will comply with this request or to notify me of specific legal action being taken.

This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please confirm in writing that you have received this notice and that you will comply accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have been repeatedly called and texted by an entity identifying themselves only as XXXX on behalf of Oportun , Inc. They address the calls ( all robocalls, never a real person ) and texts to XXXX XXXX ( not me ) and indicate he owes a sum of {$2900.00}. They occasionally offer an opportunity to settle by paying XXXX  % of the debt. It has been at least XXXX months that they call or text at least XXXX  a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
From XX/XX/year>, my home loan has been transferred from XXXX XXXX  XXXX to Planet Home Lending , LLC. 

My original loan amount was {$290000.00}. I made two payments while loan was managed by better mortgage, one was {$1000.00} at XX/XX/year> towards principal balance, another one was {$3200.00} ( {$2200.00} mortgage and {$1000.00} principal balance ) at XX/XX/year>. At the end of this payment my loan amount was {$280000.00}, with an escrow amount of {$3200.00}. 

On XX/XX/year>, I made a complain to planet home lending customer service as my escrow account and total loan amount was showing wrong. It was showing the original loan amount and initial escrow amount, without considering the two payments I made earlier with better mortgage. Additionally, it was showing a wrong amortization schedule. 

As my next mortgage due date was XX/XX/XXXX, I made another payment of {$2200.00} on XX/XX/year> on planet home lending portal. 

As of XX/XX/year>, I see they have applied this payment made on XX/XX/year> based on the wrong amortization schedule. They have also applied two principal balances of {$1000.00} each on XX/XX/year>, I assume they pulled this from the previous lender. But, the additional mortgage payment, escrow payment I made earlier on XX/XX/year>, have not been applied. Also, they have not corrected the amortization schedule so there is no way to track. In the meantime, I tried to connect with them over phone several times, and every time it looks to me their customer service people are not aware what's going on. They tell different thing in different times, which makes me confused and afraid that if they are really capable of handling the loan. 

All the payment history and statements are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management LLC RE : Dispute and Demand for Debt Validation Account # To Whom It XXXX Concern : I am writing to formally dispute the alleged debt your company is attempting to collect from me, referenced above, pursuant to my rights under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 1. Demand for Validation Under 15 U.S.C. 1692g Per 1692g ( a ), I have the right to request validation of this debt. Furthermore, 1692g ( b ) mandates that if I dispute the debt in writing within 30 days of receiving your initial communication, you must cease all collection efforts until you provide verification of the debt. Your failure to comply with this statutory obligation constitutes a violation of the FDCPA, as established in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The court held that continued collection activity without providing proper validation is a violation of XXXX ( b ). XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ruled that mere itemized statements are insufficient ; debt collectors must provide authentic and substantive proof of the debts validity. 2. Required Validation To comply with the law, you must provide : Proof of the original creditors ownership of the debt. A complete chain of title demonstrating your legal right to collect. A detailed accounting of the alleged debt, including all charges and payments. A copy of the signed agreement or other evidence establishing my liability. 3. Cease Collection Activity Immediately Until you provide the requested validation, all collection efforts must stop, including reporting this debt to credit bureaus. Any further collection activity will result in legal action for FDCPA violations. 4. Response Deadline You have 30 days from the receipt of this letter to respond with the required validation. Failure to do so will result in my filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and SC Attorney Generals Office, as well as pursuing legal remedies. This letter serves as formal notice that I dispute this debt in its entirety. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
" This complaint is being filed because Equifax has illegally reinserted XXXX accounts into my credit file that were previously deleted in XXXX. 
The Accounts : LVNV FUNDING LLC - Ending in # XXXX ( Approx. {$750.00} ) LVNV FUNDING LLC - Ending in # XXXX ( Approx. {$910.00} ) Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 5 ) ( B ), a credit bureau can not reinsert a previously deleted item unless the furnisher 'certifies ' the accuracy and the bureau provides the consumer with a 'Notice of Reinsertion ' within XXXX business days. 
I never received this notice. 
On XX/XX/year>, I notified XXXX Legal Department of this violation. In response, XXXX  opened new investigations ( Ref : XXXX and XXXX ) and is claiming they need XXXX  days to 're-investigate. ' This is unacceptable and a stall tactic. A XXXX investigation is for new disputes ; it is not the legal remedy for an illegal reinsertion of a previously deleted item. Because XXXX  failed to follow the statutory notice requirements, these items must be deleted immediately. I am demanding the permanent removal of these accounts and a corrected credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: VA

Complaint narrative:
On XX/XX/year>, I was the victim of a sophisticated impersonation and account takeover fraud involving Wells Fargo. I received a phone call that displayed as Wells Fargo on my caller ID and appeared to originate from a legitimate Wells Fargo phone number. The caller represented themselves as a Wells Fargo fraud prevention employee and provided a detailed scenario claiming my account had been compromised. 

The caller asked verification-style questions ( such as whether I was in XXXX, Georgia ) XXXX which reinforced the legitimacy of the call. Unknown to me at the time, my Wells Fargo account had already been compromised. During this call, unauthorized activity occurred, including internal transfers moving funds from my savings account into my checking account and an unauthorized cash advance taken on my Wells Fargo Visa card and deposited into my checking account. 

The caller then falsely claimed that fraudulent actors were removing funds from my account through XXXX XXXX and instructed me to secure my money by following specific steps. Relying on the Wells Fargo caller ID, the impersonation, and the belief that I was speaking directly with Wells Fargo fraud prevention, I transferred {$18000.00} as instructed.

Immediately after the call ended, I felt uneasy and promptly contacted Wells Fargo directly to report the incident. I filed a police report and followed up with Wells Fargo repeatedly. Despite this, Wells Fargo never requested screenshots, documentation, or a copy of the police report number and contact information of the XXXX XXXX XXXX who took my report, nor did they conduct a detailed interview with me. 

Wells Fargo has now denied my fraud claim, asserting that the transaction was authorized because I initiated the transfer. I dispute this conclusion. My actions were taken under deception, impersonation, and caller-ID spoofing, during an active account takeover. Authorization obtained through fraud and misrepresentation is not true authorization. 

Additionally, the unauthorized Visa cash advance occurred without my consent and should be treated separately under credit card protections. Wells Fargos denial appears to rely on a blanket assumption of customer fault without a reasonable investigation as required under Regulation E and applicable consumer protection laws. 

I am requesting that Wells Fargo conduct a proper investigation, reconsider the denial, and reimburse the funds lost due to impersonation fraud and account takeover.

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 2025-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I am formally disputing a collection account being reported on my credit report by XXXX XXXX XXXX for an alleged XXXX XXXX balance of {$430.00}, opened XX/XX/year>. 

This account should not be in collections and was never late. I did not receive any prior billing, final notice, or legally required validation documentation before this account was placed into collections. 

On XX/XX/year>, I disputed this account directly with Experian. Instead of providing validation, the collection agency re-verified the account without proof and added an additional late payment for XXXX, which is inaccurate and misleading. This appears to be retaliatory reporting after a dispute. 

I have never received : A debt validation notice A written notice of assignment A 30-day validation letter Any proper documentation proving I owed this debt or that it was delinquent This violates my rights under : Fair Credit Reporting Act ( FCRA 623 ) reporting inaccurate or unverified information Fair Debt Collection Practices Act ( FDCPA 809 ) failure to provide proper validation FCRA 611 failure to conduct a reasonable investigation after a dispute Additionally, the account shows no payment history, no original delinquency date, and reflects multiple collection statuses despite no missed payments, which further indicates inaccurate reporting. 



What I Am Requesting I am requesting that the CFPB require XXXX XXXX XXXX and Experian to : XXXX. Immediately remove this collection account from my credit report 2. Provide documented proof of : Original signed agreement Proof of delinquency Proof of legal assignment from XXXX XXXX. Cease reporting inaccurate late payments XXXX. Correct any damage caused to my credit profile If the collection agency can not provide full validation, this account must be deleted.

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 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: UT

Complaint narrative:
What happened? 
Ohio XXXX placed an account with Radius Global Solutions for a utility balance of approximately {$140.00}. I attempted to pay this bill on time, but Ohio XXXX online payment system would not allow payment. I contacted Ohio XXXX multiple times before the account went to collections and provided proof that their system was preventing payment, but they still sent it to collections. 

As a result, Radius Global Solutions reported the debt to credit bureaus, and it now appears as a collection on my XXXX  credit report. This is inaccurate and causing credit harm, as the delinquency resulted from the creditors billing/payment system error. 

Why you believe this is wrong The reported collection is inaccurate because : I attempted to pay before the account was sent to collections. 
Ohio XXXX payment system prevented payment. 
I notified Ohio XXXX of the issue before collection placement. 

How you would like it resolved I want the collection removed from my credit report ( deleted ) and the account recalled from Radius Global Solutions due to creditor error. Im willing to pay the utility balance once this correction is confirmed in writing. 

Additional Details ( Optional ) I have screenshots of the payment errors. 
I have email proof of correspondence with Ohio XXXX. 
The account is affecting my credit score unfairly.

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 non-monetary relief