vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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 am filing a complaint regarding a Citibank checking account that was closed without clear explanation. I had been depositing legitimate business checks into my account. These were valid funds, and I was not aware that depositing business-related checks into a personal account could raise concerns. My account was subsequently closed, and I was informed that I could no longer do business with Citibank. I was issued a check for the remaining balance, but no clear or detailed explanation was provided for the closure. I have attempted to contact Citibank multiple times to request clarification and a review of this decision. However, I have not been able to reach anyone who could adequately explain the reason for the closure or offer a resolution. This situation has negatively impacted my ability to manage my finances and maintain a banking relationship. I am seeking a clear explanation and a fair review of this decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about first week of XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me. After the funds were deposited into my bank account, I was instructed under false pretenses to transfer a portion of the proceeds as part of the supposed program requirements. On or about XX/XX/year>, I wired approximately {$36000.00} to third parties. I was told these funds would be used to make initial loan payments and qualify for forgiveness. An initial XXXX payment was made in XX/XX/year>, which reinforced my belief that this program was legitimate. However, the individuals involved became unreachable, and the XX/XX/year> payment was not made on my behalf. At that point, I realized I had been the victim of a scam. In XX/XX/year>, with a completion in XXXX, I reported the fraud to Prosper, and also filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I formally submitted a written Notice of Fraud and Demand for Rescission and requested that this loan be treated as fraudulent, that all collection activity be halted, and that communication be conducted in writing only. Despite this, I continue to receive repeated collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status or any meaningful response addressing the identity theft. This is not a case of inability to pay. This is a documented case of identity theft involving false underwriting information, lack of authorization, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
RE : Cease & Desist / Debt Validation Demand Violations of the FDCPA & FCRA This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : 1. The original signed contractor application bearing my signature showing liability for this debt. XXXX. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. XXXX. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. XXXX. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. XXXX. Your debt collector license number and the state ( XXXX ) in which you are licensed to collect. XXXX. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. XXXX am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: FinCo Services Inc DBA Current
State: FL

Complaint narrative:
This app call current I try to order my a debit card from a the app but I ended up ordering a build credit card but this month there was a XXXX pulled off my credit soon as I try to use the app I feel the app isnt good because it shouldnt pulled off that much credit of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have made calls to the reporting agency on numerous occasions and this issue has never been resolved. Did not and I do not have any account with this company and if there are anything tied to my social security number it is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have made calls to the reporting agency on numerous occasions and this issue has never been resolved. Did not and I do not have any account with this company and if there are anything tied to my social security number it is fraudulent.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am writing to formally dispute the following information on my credit report. XXXX XXXX Jefferson Capital SYST XXXX XXXX XXXX XXXX XXXX XXXX These creditors have violated my rights under the fair Credit Billing Act ( FCRA ) and the Fair Credit Billing Act ( XXXX ) as follows : XXXX. Violation of 15 U.S.C. 1681bUnder section 602, I have a statutory right to privacy regarding my consumer information. 2. Unauthorized Disclosure ( 15 U.S.C. 1681b ) : Under Section 604 ( a ) ( 2 ), a consumer reporting agency is prohibited from furnishing a consumer report unless it is in accordance with the written instruction or consent for this account to be furnished or reported. XXXX. Improper Late Fee/Reporting ( 15 U.S.C. 1666b ) : Pursuant to the Fair Credit Billing Act, Section 163 ( a ) ), a creditor may not treat a payment as late for any purpose-including reporting to the credit bureaus-unless the creditor has adopted reasonable procedures designed to ensure that the billing statement was mailed or delivered to the consumer at least 21 days before the payment due date. XXXX. Violation of 15 U.S.C. 1681b, Following the security breach this information was furnished without permissible purpose or my written instruction, violating section 604, Any data resulting from a breach of your security protocols fails the reasonable procedures requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: GA

Complaint narrative:
The final payment for this rental property was fulfilled on XX/XX/year>. A check dated XX/XX/year> was written in the amount of {$1400.00} and cashed on XX/XX/year>. The memo line of said check explicitly stated, XXXX rent-last payment. XXXX were returned via rent drop box as requested by front office XXXX, XXXX XXXX. Since receiving the notice of a balance owed, Ive contacted the leasing office, property manager and the collection agency it was forwarded to ; to alert them to this inaccurate information. I visited the office in person and sent several emails, and only XXXX has received a response. All other attempts to resolve have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Linebarger Goggan Blair & Sampson LLP
State: KS

Complaint narrative:
Received a letter stating that I owed {$18.00} as of XX/XX/year> for tolls on the Kansas Turnpike from a supposed law firm by the name of Lineburger Gogan Blair & Sampson , LLP. As my tolls are automatically taken from my account, and the dates they state these tolls were accrued I did not travel on a toll road, I knew immediately it was a scam.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
On XX/XX/year>, consumer sent a written dispute and validation request to XXXX XXXX via XXXX XXXX Mail ( proof attached ). XXXX disputed the debt as not valid. Consumer attached to that letter an XXXX XXXX XXXX printout ( dated XX/XX/year> ) showing XXXX XXXX holds XXXX active state licenses. Mississippi is not listed. XXXX XXXX is not licensed to collect debts from Mississippi residents. XXXX XXXX never responded to the dispute no validation, no verification, no communication. Despite the dispute and lack of license, Experian continues to report the XXXX XXXX tradeline on consumers credit report dated XX/XX/year>, with a balance of {$3100.00}. Experians report shows a notation : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). However, the tradeline remains active with a {$3100.00} collection balance, causing ongoing credit harm. VIOLATIONS FCRA 1681i ( a ) Failure to conduct a reasonable investigation after consumer disputed the accuracy of the tradeline. A reasonable investigation would have revealed : ( a ) the furnisher never responded to consumers direct dispute, ( b ) the furnisher lacks a Mississippi collection license, and ( c ) the debt is unverified. FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. Reporting a collection from an unlicensed, non-responsive furnisher is not reasonable. FCRA 1681s-2 ( b ) As a furnisher of information ( via the bureau-furnisher relationship ), Experian failed to ensure the information was accurate after being put on notice. FCRA 1681i ( c ) The dispute flag alone does not cure the violation. Continuing to report an unverified, unlicensed collection after a dispute is a per se violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or around XX/XX/year>, Bank of America removed approximately {$11000.00} from my personal checking account as an offset for a debt belonging to my LLC business account. This was done without prior written notice and without my consent. When I contacted Bank of America to dispute this, I was told over the phone that I had signed a personal guarantee authorizing this action. I have reviewed all documents in my possession and I was unable to locate a signed personal guarantee. I am requesting that Bank of America provide a copy of any such document they have on file. This offset removed my entire account balance without any prior notice, without any opportunity to make payment arrangements, and caused immediate and severe financial hardship leaving me unable to cover essential living expenses. I am requesting that the CFPB investigate this matter and that Bank of America provide the actual signed personal guarantee document they are claiming exists. If no such signed document exists, I am requesting the immediate return of all funds removed from my personal account. If a signed personal guarantee does exist, I am requesting that Bank of America explain why no prior written notice was given before removing my entire balance at once, and why no opportunity for a payment arrangement was offered, as this action caused severe and immediate financial hardship. ''

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
Ive asked loan depot to stop calling me XXXX separate times and they wont stop. Its now reached the level of harassment. They have called XXXX times since XXXX. Which is XXXX business days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I made a deposit at the wells fargo branch near me, the teller had refused my deposit stating that they could not deposit it due to handwriting being off ( false ) they the flagged the XXXX, who stated that the handwriting on the check was XXXX different handwritings ( also false ) and that they could not accept it, however he said that the ATM would be able to accept it and that I should try, I deposited the check, both the machine and XXXX said my funds would be soon available. The next day I received an email saying my deposit was not being accepted. After being lied to by the XXXX and falsely accused of forging a check, they did not a thing to help when I returned the following day after the notice. I have now received in the mail a notice saying that my check is not valid, which is untrue. This happens to be my inheritance from a passed family member, hence the amount, and I noted the importance and sensitivity of the issue to the banks both teller and XXXX, and was treated with nothing but disrespect and was lied to. Now over XXXX weeks later I am yet to get an answer from anyone on how I am able to get my check back to deposit, and was sent nothing but a copy and a letter falsely stating my check was invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third Bank issued me a SECURED CREDIT CARD with a {$300.00} limit. After banking with them for over XXXX yrs I closed my Accounts. Checking Savings and the Secured Credit Acct. I handed Debit and Secured Card to XXXX XXXX for shredding. They said Acct was closed and said I'd receive my {$300.00} security deposit on Secured card in XXXX XXXX ... that was XX/XX/year>. I haven't received my {$300.00} and the Acct still shows as open with them reporting to my credit as delinquent acct and non payment. Ive disputed this with phone calls, in writing and in Person

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
I submitted a Notice of Error under RESPA on XX/XX/XXXX, regarding the servicers failure to timely pay property taxes from my escrow account, resulting in penalties and interest. The servicer acknowledged receipt on XX/XX/XXXX, but has not provided a substantive response within the XXXX business day period required under RESPA. No notice of extension was provided. Instead, I received a generic letter stating the matter is under review, which does not satisfy RESPA response requirements. The underlying issue involves : Late payment of XXXX and XXXX property taxes despite sufficient escrow funds Resulting penalties and interest not caused by borrower action I am requesting : A determination of the servicing error Refund or credit of all penalties and interest A compliant written response under RESPA explaining the cause of the error The servicer is currently out of compliance with RESPA timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: MS

Complaint narrative:
I am filing a formal complaint regarding a debt being collected by Westlake Portfolio Management on behalf of Byte. This account is for dental aligner treatment services that were never fully delivered. Byte has ceased operations and failed to provide the treatment and lifetime guarantee that were part of my agreement. I made extensive efforts to resolve this directly with Byte, including over XXXX documented email communications. Despite this, they failed to complete the service or provide a resolution. Because the contracted services were not rendered, I dispute the validity of this debt. Westlake Portfolio Management is attempting to collect on a balance for services that were never completed, which I believe is a violation of my consumer rights. I am requesting : A full investigation into this account Validation of the debt, including proof that services were fully delivered Suspension of all collection activity Removal of this account from my credit report ( if reported ) I am prepared to provide documentation, including my communication history with Byte, demonstrating failure to deliver services. I request a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
They texted me sister and said what my debt from from and that they're collecting a debt. She has an XXXX number and I have a XXXX number. So, they know it's not me

Company response to consumer: Closed with explanation