vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX someone from another state had sent me money through XXXX. This person wasnt in my contacts so I supposed they mistyped and sent the money. When the person had done that they then reported the transaction and since then my XXXX had been banned. Its now XXXX and I had spoke to Wells Fargo several times and they tell me there is nothing they can do about it I had been able to get in contact with the person some time ago and they told me the institution they had used to dispute my transaction no longer exists so I am now filing this complaint in hopes of getting my XXXX account back with the number XXXX and Email XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
mortgage perfectly from XXXX. I lost your job in XXXX, but the state of XXXX XXXX officially cured your debt by paying Wells Fargo {$12000.00} through the XXXX XXXX XXXX XXXX XXXX XXXX between XXXX and XXXX. I went back to work in XXXX and paid in full. Despite being 100 % current, Wells Fargo manufactured a silent, unauthorized {$38000.00} XXXX XXXXXXXX XXXX Claim in XXXX without your informed consent, hiding it from your standard statements. When I sold my home in XXXX XXXX in XXXX for {$150000.00}, Wells Fargo used the closing table to intercept {$49000.00} of your home equity to satisfy that phantom second mortgage. You walked away with only {$180.00}. In XX/XX/XXXX, Wells Fargo sent me a corporate remediation check for {$1100.00}, admitting in writing that an " error XXXX have been made '' during an internal audit of your account. On XX/XX/XXXX, I successfully launched an official consumer fraud investigation with the XXXX XXXX Attorney General under File Number : XXXX [ XXXX ]. i filed with the DOJ because Wells Fargo fraud open a modification when i didn't need 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 2026-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibanks records show my dispute was withdrawn and closed. Despite this, Citibank continues reporting an active Account in Dispute status. Citibank applied the dispute status to both Citibank accounts even though the dispute involved only XXXX account. I requested correction, but the inaccurate reporting remains.

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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: CA

Complaint narrative:
Credit Control , LLC has been sending me letters requesting to pay debt from XXXX XXXX XXXX XXXX account. Reference number : XXXX. I mailed letter requesting hard copy of written verification of this debt. No response. I called their TTY XXXX listed in the letter via my phone XXXX at around XXXX XX/XX/year>. I heard only beeping sound, no one picks up. I called XXXXXXXX XXXX and confirmed my account had been closed with XXXX balance. This is totally scam trying to get extra money from customers with no debt. And they had acquired my PII illegally.

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 2026-06-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
I am filing this complaint against Hyundai Motor Finance ( Hyundai Capital America ) for a severe violation of the Fair Credit Reporting Act ( FCRA ). Hyundai is reporting an inaccurate XXXX late payment history on my auto lease account, which has caused an immediate, significant drop in my XXXX XXXX and financial harm. I tendered my full, contractual monthly lease payments within 30 days. Hyundai accepted these funds but internally misallocated my core vehicle lease payment to satisfy a separate, auxiliary excise tax bill. While I received an informational bill for the excise tax, Hyundai never provided any warning, disclosure, or notification stating that dedicated monthly lease payments would be diverted to pay down a tax balance first. I contacted Hyundai directly to resolve this accounting error. During the telephone call, a Hyundai representative explicitly confirmed that Hyundai received my full contractual lease payment, but internally diverted those funds to the excise tax balance instead. When asked, the representative could not cite any lease agreement clause or communication that authorized this diversion or warned of an automatic lease default. Despite confirming these facts, Hyundai 's customer service stated they couldn't correct their internal ledger or update my credit profile. I have since paid the excise tax balance along with the balance of my lease in full to ensure a {$0.00} past-due balance, proving good-faith compliance. Hyundai conveyed an artificial default to all XXXX credit agencies through deceptive payment allocation.

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 2026-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
XXXX XXXX has erroneously sent an unconsummated home insurance quote to a third-party collection agency, severely damaging my credit profile and blocking an active home purchase. I requested a quote on a home located at back in XX/XX/year> but subsequently backed out of the transaction. Escrow was officially canceled, and I never closed on or owned the property. XXXX bound the policy in error without an insurable interest. Because the transaction never occurred, no debt exists. XXXX and its collection agency are reporting inaccurate data in violation of the Fair Credit Reporting Act ( FCRA ). I demand an immediate, complete deletion of this fraudulent collection tradeline from all three credit bureaus. I have reached out to XXXX multiple times and we not confident that they will get to the resolution we are needing. I am including a copy of my credit report as well. It should be the 4th tradeline that is reporting with the collection company " CREDIT COLL '' and shows the initial creditor of " XXXX XXXX ''. The address of the home is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and here is a link to the county assessor 's website, showing that I have never owned the home and wouldn't have ever needed insurance to be bound XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PulteGroup, Inc.
State: FL

Complaint narrative:
I am scheduled to close on a VA mortgage with Pulte Mortgage LLC on XX/XX/XXXX at XXXX XXXX EDT. I received a Closing Disclosure dated XX/XX/XXXX. I identified unresolved escrow issues related to property taxes and homeowners/hazard insurance and sent written questions to Pulte Mortgage on the evening of XX/XX/XXXX. Receipt was acknowledged on XX/XX/XXXX, but as of XX/XX/XXXX, I have not received a substantive written response from Pulte Mortgage. The unresolved issues affect my escrow amounts, monthly payment, and final cash-to-close. This is urgent because XXXX is XX/XX/XXXX, my bank is closed that day, and I need to wire funds before closing. I have provided Pulte Mortgage with documentation showing that my homeowners/hazard insurance policy was issued and paid in full for the first year. I also provided documentation showing {$0.00} taxes due for XXXX and written confirmation from XXXX XXXX that my homestead/property-tax exemption application based on my XXXX % XXXX XXXX XXXX XXXX XXXX status was received/accepted for XXXX. Pulte Mortgage also had me sign a property-tax-exemption acknowledgment stating that the loan would be underwritten with the exemption considered and escrow collection adjusted accordingly. Despite this, the XXXX still appears to collect escrow for property taxes and homeowners/hazard insurance without a substantive written explanation, tax worksheet, escrow analysis, insurance escrow worksheet, or clear separation of ad-valorem taxes from non-ad-valorem assessments, CDD assessments, or improvement district charges. I am not disputing legitimate non-exempt CDD or special assessments. I am requesting that Pulte Mortgage explain and support any remaining escrow amounts, remove unsupported ad-valorem property-tax escrow, confirm whether homeowners/hazard insurance escrow is mandatory or waivable, and explain whether the insurance escrow is only a future renewal reserve/cushion. I have repeatedly requested written clarification and supporting documentation. The lack of timely response from Pulte Mortgage is preventing me from verifying final closing figures before signing. I am wiring funds and proceeding toward closing to preserve my contractual position, but I do not waive my objections to the unresolved escrow treatment.

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 2026-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
the XXXX that represents XXXX XXXX and XXXX XXXX marked my previous complaint as 'closed with an explanation ' to bypass agency oversight. However, their attorney willfully violated 15 U.S.C. 1692g ( b ) by mailing me a collection demand just XXXX days after they received my dispute notice, refusing to honor the federal collection freeze. " : The fact that the letter came from an XXXX that works for XXXX and XXXX Under the U.S. Supreme Court ruling XXXX XXXX XXXX, debt collection lawyers must strictly obey the FDCPA. When an attorney signs a collection notice during an active XXXX-day dispute freeze, it counts as a severe, actionable violation of consumer law. XXXX and XXXX have cleared it off my report based on the certified letter I sent to them with the proof of what XXXX and XXXX has sent to me. XXXX XXXX has committed a crime as well. Theyre letting a XXXX XXXX do whatever they want Ive had so many problems with XXXX XXXX trying to get stuff off my credit. Theyve got the same letter. They also have a fraud alert on front of my credit. I have a letter from the US Department of justice federal Bureau of prisons that I am a victim of fraud and so were clear on this. My letter is dated XX/XX/year>. They date that they said that credit card was open the fact that XXXX XXXX has not taken it off my credit and these people are still coming after during my XXXX day window .I will file suit against them and XXXX XXXX as soon as Im done demanding that it gets taken off of my credit now my reference on this is case number XXXX in the court docket number XXXX XXXX XXXX district of Maryland XXXX XXXX US Department of Justice.finally I am going to file a complaint against the attorney and against a XXXX XXXX . Ill leave it up to theas you know, then breaking the law and getting off with the last complaint that I have by saying its closed with it with a explanation these people these people are criminals. They have hundreds and hundreds of lawsuits against them. I am a victim of fraud Ive had I had {$780000.00} taken out my name they arrested XXXX people they had a ring going on around the United States if you dont believe me and the XXXX XXXX doesnt believe me call the US Department of justice you have the case number get this removed from my credit.

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 2026-06-18 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> I was charged {$82.00} by XXXX for XXXX General Admission tickets to an event at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. I have purchased tickets to this venue multiple times before and always received a XXXX code immediately after payment. This time, after paying, I was redirected to the Dice app and told I needed to download it to receive my tickets. I downloaded the app as instructed, but the tickets never appeared in the app. I have email documentation from XXXX dated XX/XX/year> confirming the XXXX General Admission tickets were purchased under my name. The email directed me to view the tickets in the XXXX XXXX, but the tickets never appeared. I also emailed XXXX on XX/XX/XXXX to report the issue before the event. I arrived at the venue on the night of the event but was denied entry because the tickets never showed up in the app. The day before the event, I called Citi to report that I believed I may have been scammed, as the tickets had still not appeared in the Dice app. The Citi representative acknowledged that it could be a scam but advised me to go to the event anyway. This call demonstrates that Citi was aware of the potential fraud before the event took place, yet still denied my dispute twice after the fact. When I followed up on my dispute, I provided Citi with a full explanation of what happened. However, the Citi agent informed me that their documentation only showed that I did not like the services and wanted my money back. My full explanation was never properly recorded. During a second call, Citi promised to send me a document to fill out describing what happened, but that document was never sent. Citi denied my dispute twice without ever properly documenting my complaint or giving me the opportunity to submit a written statement as promised. They denied my dispute stating only that the merchant is unwilling to issue a credit, without requiring proof of delivery. I originally requested a chargeback. Citi processed it as a dispute instead without my input, and then denied it twice with no adequate explanation.

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 2026-06-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My XXXX XXXXXXXX loan was transferred from XXXX XXXX to XXXX on XX/XX/year>. XX/XX/year>, I received a document from Onity titled Payment Change. This document just said that my my monthly automatic mortgage withdew would be increasing from {$2300.00} to {$2800.00}. A {$500.00} increase. This new payment is higher then my mortgage payment that caused me to apply for the XXXX program. My situation is worse then it was before my XXXX loan modification. I will be pushed into foreclosure. XX/XX/year>, I requested an explanation as to why this was happening on the Onity secure messenger. I did not receive a reply. On XX/XX/year> I emailed XXXX at Onity a Relationship Manager for an explanation. XX/XX/year> I received Onitys response letter dated XX/XX/year>, stating the increase is entirely caused by a new XXXX escrow-shortage repayment plan. Onity did an escrow analysis on XX/XX/year> and determined my escrow account had a shortage of {$6600.00}. The shortage in my escrow account was already factored into my XXXX loan modification by XXXX XXXX. My escrow shortage of {$6900.00} was put into a 60 month repayment before my mortgage was sold to XXXX. My escrow shortage is already being paid back. I submitted my XXXX loan modification documents to Onity on XX/XX/year> and XX/XX/year>. I did not receive a replay. I called Onity on XX/XX/year> and spoke with a customer representitve named XXXX. She told me that Onity only does XXXX and 24 month escrow repayment plans. She asked me if I wanted to go ahead and have my escrow repayment changed from their 12 month plan to a 24 month plan. I told her that I needed to see documentation explaining why Onity can not honor my mortgage contract as is and what legal authority they had to change the terms of my loan modification that was finaliezed before they purchased my loan. She said she would send me the application for a 24 month escrow repayment plan. Onity is refusing to honor my preexisting XXXX modification term that already handled the escrow shortage over 60 months. By accelerating that same shortage into a 12-month repayment plan, Onity is effectively undoing the affordability structure of the XXXX loan modification and pushing me directly into a foreclosure.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MN

Complaint narrative:
I am submitting this complaint regarding a collection account currently being reported by IC System. This same alleged debt was previously reported by XXXX XXXX XXXX. At that time, I disputed the account and requested validation. Following my dispute, the account was removed from my credit report. I recently discovered that the same alleged debt has reappeared on my credit report under IC System, involving the same original creditor. I was never notified that the account had been transferred, reassigned, or placed with a different collection agency. I did not receive any prior notice explaining why the account was being reported again. Because this account has reappeared under a new collector, I am requesting that IC System provide complete validation of the alleged debt, including : Documentation establishing that I am legally responsible for the debt ; Copies of any contracts, agreements, billing statements, or account records supporting the claim ; A complete payment history and account ledger ; Documentation showing IC System 's authority to collect and report the account ; and Documentation showing how and when the account was transferred, assigned, or placed with IC System.

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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Good day. I am submitting this complaint regarding a collection account that has appeared on my credit report and is causing me significant distress. It is incredibly frustrating and alarming to discover a debt that I do not recognize, can not verify, and do not believe belongs to me. Since this account appeared, I have been subjected to repeated collection attempts and communications through various channels, including what I perceive as threats of legal action regarding an obligation I know nothing about. As a law-abiding consumer, I find it unacceptable that an unverified and disputed collection account continues to be reported and used against me. This situation has taken a serious toll on my emotional well-being, caused considerable stress, and has even affected my ability to sleep. No consumer should be forced to endure the consequences of a debt that has not been properly verified and does not belong to 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 2026-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I request the immediate removal of all unauthorized and inaccurate information from my credit report. I urge the relevant authorities thoroughly review this matter and take prompt action to correct my records. Please ensure these incorrect entries are blocked and 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 non-monetary relief