vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
My vehicle was towed by the city on XX/XX/year>. At that time I was XXXX  and unable to XXXX XXXX XXXX XXXX XXXXOn XX/XX/year>, I contacted Mercedes-Benz Financial Services and requested a voluntary surrender of the vehicle. Mercedes-Benz Financial Services agreed and emailed me voluntary surrender documents the same day. 

I signed the voluntary surrender agreement on XX/XX/year> and returned it by email on XX/XX/year>. I was informed that Mercedes-Benz Financial Services would retrieve the vehicle from the city tow lot and that no further action was required on my part.

Despite accepting the voluntary surrender, Mercedes-Benz Financial Services failed to retrieve the vehicle for more than two months. During this time, daily storage fees and tickets accrued to approximately {$4000.00}, Mercedes-Benz Financial Services continued billing my account, and negative credit reporting occurred.

When I contacted Mercedes-Benz Financial Services , I was told that the city had not authorized release of the vehicle and that I was responsible for storage fees, continued charges, and any legal costs. I was also told the voluntary surrender no longer counted and would be treated as a repossession once the vehicle is obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
My XXXX savings account was restricted and then closed without explanation. I deposited {$2500.00} of my own funds, which XXXX acknowledges are fully available in my account, yet I have no access to them. 

I was told a check may take up to XXXX  days, leaving me without access to my money. I am an XXXX XXXX and this delay is causing financial hardship. I am requesting expedited release of my funds or a faster return method.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Lease is closed. Paid in full. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint due to repeated mismanagement, unauthorized withdrawals, and unprofessional treatment regarding my XXXX Citi Card account. I attempted to set up a hardship plan, but instead, payments were pulled from my account toward a different Citi account ( Simplicity ), without my consent or clarity.

Over {$220.00} was wrongly withdrawn across 3+ months, and despite my repeated attempts to resolve this over the phone, Ive been transferred between departments, told contradictory information ( such as having four accounts when I only have two ), and spent over 3 hours on the phone on XX/XX/XXXX ( screenshot attached ). 

Collections informed me they cant access my XXXX account, while Customer Service claims no hardship plan exists. Ive had to request removal of my bank information just to stop the unauthorized withdrawals. 

This situation has left me with : Continued financial damage to my credit Loss of faith in the integrity of the credit system Deep distrust in Citis ability to securely manage sensitive accounts As a XXXX member, I expected a higher standard of care. Instead, I feel tricked into prioritizing Citis internal account management over the brand I trusted 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 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
So, I have had an issue with Rocket Mortgage before regarding my taxes but that was partly my fault because when I bought the house I did not update the residential tax information for the cheaper rate. 

So, here I am again. I received my early tax notice in XXXX and freaked out because my tax bill was XXXX, so I called XXXX XXXX on XX/XX/year> and I spoke with XXXX and she reviewed the information and told me my tax bill was processed incorrectly and she would get it update with the correct processing ; this took a couple of days. Also on XX/XX/year> I called Rocket Mortgage and spoke with XXXX who transferred me to XXXX who " documented '' the account with what I explained because I knew my taxes would come out of my escrow soon and he claimed he documented the account. 

Ok, so on XX/XX/year> the bill was updated to replaced the correct amount of XXXX and I called Rocket Mortgage and I spoke with XXXX who again documented the account and said they would pull the information from the website. 

Well on XX/XX/year> Rocket Mortgage deducted {$1500.00} from my escrow to pay my taxes, well guess what, on XX/XX/year> Rocket Mortgage again took money from my Escrow in the amount of {$4700.00} to pay my taxes and has now left my escrow in a negative balance of XXXX and has now increased my mortgage payment by XXXX because there is a shortage. 

I want this fixed and honestly I would rather handle my taxes myself going forward because I feel Rocket Mortgage is not capable to handle my taxes from my escrow account. I want this fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am submitting this complaint regarding Capital Ones decision not to authorize early direct deposit funds on XX/XX/XXXX, despite the deposit being received and processed by Capital One and despite other financial institutions releasing the same deposits to consumers on that date. 

Capital One advertises early direct deposit as a benefit that allows customers to receive their pay up to XXXX days early when funds are received. In this instance, Capital One chose not to release the funds on XX/XX/XXXX without providing clear notice, explanation, or advance disclosure to customers. As a result, customers were denied access to wages that were already received by the institution. 

Key Concerns : Capital One had possession of the funds but elected not to make them available. 
Other banks and credit unions released identical direct deposits on XX/XX/XXXX, demonstrating that the delay was not caused by the employer or payment originator. 
Capital One provided no prior notice that early direct deposit would not be honored on XX/XX/XXXX. 
The decision appears discretionary and inconsistent with how the early direct deposit feature is marketed to consumers. 
This lack of transparency caused financial disruption, including delayed bill payments and end-of-year financial obligations. 

Why This Is Harmful to Consumers : Early direct deposit is marketed as a reliability and budgeting tool. Capital Ones unexplained refusal to release fundsdespite having already received themundermines consumer trust and creates financial hardship, especially at year-end when many consumers rely on timely access to wages. 

If Capital One reserves the right to selectively withhold early direct deposits based on internal policies or calendar dates, this limitation should be clearly disclosed upfront so consumers can make informed banking decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Recorded higher payments which misrepresented the debt and hit my credit negatively. Im submitting this information through the class action lawsuit as well Please remove from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XX/XX/XXXX days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: MI

Complaint narrative:
It's CHIME my bank, I am continuing to get hacked over and over again. AFTER CHANGING MY PASSWORD, PIN AND EVERYTHING ELSE THEY TELL ME TO DO!!! But still getting HACKED..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal closed and banned my account without any reason stating I had violated the terms of service. I use this account to purchase and send money to my friends and family. I have not done anything to warrant a ban. I have been using this account for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding Wells Fargo Banks handling of a fraudulent wire transfer that resulted in a financial loss to me due to impersonation fraud. 



On Sunday, XX/XX/2025, at approximately XXXX XXXX  I initiated a wire transfer through Wells Fargo after being contacted by an individual who was impersonating a person I know and trust. At the time, I genuinely believed the request was legitimate. I later discovered that this individual was an outside fraudster impersonating that person. 



Importantly, the wire did not process on XX/XX/XXXX and instead was scheduled to be sent on Monday, XX/XX/2025. 



At approximately XXXXXXXX XXXX XXXX XXXXXX/XX/2025, as soon as I realized the transaction was fraudulent, I immediately contacted Wells Fargo and opened a fraud case, requesting that the wire transfer be stopped before it was released. Despite my prompt action and notification prior to business hours, Wells Fargo did not stop the wire from being sent. 



The funds were ultimately sent to a XXXX XXXX  account, and Wells Fargo later advised me that they attempted to recall the wire but were unsuccessful. I was informed that no reimbursement would be provided. 



I believe this outcome is unfair and unreasonable, particularly because : I reported the fraud immediately at XXXX XXXX XXXX XXXXXX/XX/XXXX, before normal business hours. 
The wire had not yet been processed when I reported the fraud.

I have been a long-standing Wells Fargo customer .

Wells Fargo had an opportunity to prevent the wire from being released but failed to do so.

As a result of this incident, I suffered a financial loss through no fault of my own. I am requesting that the CFPB review Wells Fargos actions, investigate whether appropriate safeguards and controls were followed, and assist me in pursuing the recovery of my funds. 



Thank you for your time and attention to this matter. I respectfully request further review and assistance. 



Sincerely, 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 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
One Main Executive Office of Customer Care, XXXX. XXXX XXXX, XXXX, XXXX XXXX or by calling XXXX ( XXXX ) XXXX. 
They keep calling me at my place of employment and this is not permitted at my place of work. It could cost me to loose my job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> a payment of {$98.00} was sent to my account BY MISTAKE From XXXX XXXX shortly after when going on my account to return the funds to their owner XXXX XXXX took a total of {$58.00} and spot me took {$40.00} immediately I contacted chime to file a dispute for the funds and requested they be sent back to the owner and after sitting on hold for 2 hours and speaking with multiple agents they all told me the same thing that they couldnt dispute the funds I requested to speak with a supervisor and explained the situation and told them it was a bank error under the Electronic funds transfer act regulations E and the supervisor refused to open a dispute the supervisor spoke over me and hung the phone up in my face I called back spoke with another another agent again asking to file a dispute under the Regulations E Act and the agent told me they could not start a dispute due to the updated policy requested to speak with another supervisor and I was speaking with XXXX XXXX as he continued to read from the policy and told me the could not open a dispute under the Regulations E Act I requested that he send me a copy of the old and new policy where declined to send it and kept telling me to go to the website for the policy as I stated that his agent just told me they updated their policy and I was never informed of an updated policy I am requesting a copy of the old and new policy again he declined and I have it all on recording

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
American Express credit card " annual fee '' - request to refund the offset of annual member fee was communicated twice - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The representative on the phone call XX/XX/year> incorrectly informed me that the member fee is collected for the past period and no refund should be issued. 

The renewal fee for the next 12-month period was billed to the account on XX/XX/year>. The owner did not wish to close the card within 30 days period after membership was collected. Account was closed after the death of the owner. 

" you must notify credit card companies to close accounts when the primary cardholder dies to prevent fraud, as cards aren't automatically canceled '' - complied XXXX after paying in full all outstanding balances Account ending in XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: V and H Portfolio
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
" I reported my card as lost and disputed unauthorized charges of {$110.00} and {$71.00} on my Wells Fargo Visa credit card. Wells Fargo failed to follow its {$0.00} liability policy for unauthorized and fraudulent charges. The card issuer also did not comply with the requirements of the 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