vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: TN

Complaint narrative:
They are repeatedly harassing me via text, phone call and email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXX To : American Express XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Procedural Request Under Section 609 of the Fair Credit Reporting Act and 15 U.S. Code 1681c Request for 1099-C and Immediate Account Removal if Not Provided Dear To Whom It May Concern, This is a formal procedural request pursuant to my rights under : Section 609 of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c Requirements relating to information exclusion and obsolescence I am writing to request a copy of IRS Form 1099-C ( Cancellation of Debt ) pertaining to the following account allegedly associated with me : Creditor Name : American Express Account Number XXXX XXXX Reported Balance : {$3700.00} Date of Charge-Off or Last Activity : XX/XX/XXXX Under federal law, if a debt has been canceled, charged off, or forgiven in whole or in part, the creditor is required to file a 1099-C with the IRS and provide a copy to the debtor . If such form was filed, I request a copy for my records.

If you have not issued a 1099-C, this implies the debt has not been legally canceled, or you are continuing to pursue collection in which case the information being reported may be inaccurate or incomplete under Section 609.

Additionally, under 15 U.S. Code 1681c, obsolete or inaccurate information can not be reported beyond the legally allowed period ( typically 7 years ). Reporting a canceled or time-barred debt may be a violation of this statute. 

DEMAND If you are unable to provide a copy of the 1099-C within 15 days of receipt of this notice, I am demanding immediate removal of the above account from all consumer reporting agencies XXXX XXXX XXXX and XXXX XXXX to which it has been furnished. 

Failure to respond or continued inaccurate reporting may constitute willful noncompliance with the FCRA and may result in further legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of a civil suit under FCRA 616 and 617.

Please send your response and any supporting documentation to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash App closed my account unexpectedly and claims that I violated their terms of service. When pressed for what terms I violated, they refuse to give me specific details. I have submitted several complaints now and I have gotten the same reply multiple times. This latest one encouraged me to review the terms of service ( which I have done thoroughly and therefore know for a fact that my account did not violate them ). Cash App is refusing to provide answers or reopen my account so I continue to submit complaints in hopes that they will finally provide real answers or take actual action. I encourage whoever at Cash App that has my complaint assigned to them to review the terms of service themselves and they will see that I did not violate them and that my account should be reopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
The vendor sold the loan without my knowledge. 
Not sure of the original loan amount and date

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
multiple calls and emails. this is from an account that is 7 years old. they just contacting me about it following multiple class action lawsuita against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have never had a Wells Fargo account in my life. Wells Fargo fraudulently opened a checking and savings account in my name with a linked Debit Card. I received a debit card in the mail from them XX/XX/XXXX and I Immediately called and reported the identity theft/fraud. 

I received a letter dated XX/XX/XXXX confirming that the checking and savings accounts were closed. Claim # XXXX Fast forward to today XX/XX/XXXX. I received a notification in the mail from Wells Fargo that they received notice from XXXX that my mailing address has changed and they automatically updated the address to the associated debit card. This account was supposed to be closed/reported as fraud. I Immediately call them and explain this and they tell me that everything is closed out but can not provide a reasonable explanation as to why they would update an address from XXXX for a fraudulent account. 

Every department in Wells Fargo tells me something different. I can not get a straight answer and they are blaming the XXXX. 

I want in writing confirming that these accounts were reported as fraud and that they are fully purged from your systems. I want in writing confirming that no one with my information can open an account at Wells Fargo. 

All of my personal information is frozen/locked. I speculate an employee or someone with bank insider information to have opened this account.

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 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am sending you a copy of the banking transactions carried out on my SOFI Savings account # XXXX. 
The fraudulent transactions were for {$5000.00} on XX/XX/year> and {$4000.00} on XX/XX/year>. 
Everything started with Personal Loan applications, as you can see in the attached documentation. The first application was for {$54000.00} on XX/XX/year>. When I received notifications to my email XXXX, I immediately notified the bank that I was not making those applications. At that time, the bank only declined the application. 
Later, on XX/XX/year>, two more applications were made : one for {$35000.00} and another for {$19000.00}. I called the bank again to report what was happening with my account and informed them that I was NOT the one making those applications. The bank declined these applications again and issued a ticket under # XXXX. 
The bank did not proceed to restrict access or close the account to prevent further unauthorized access. 
After that, on XX/XX/year>, a wire transfer of {$5000.00} was made to THE XXXX BANK. A second wire transfer to the same bank was made on XX/XX/year> for {$4000.00}. I received notifications in my email about these transactions, so I called the bank again to report what was happening. It was noted that the {$4000.00} wire was in pending status, and the operator told me he could not cancel that pending transaction and advised me to log into my account and cancel it myself. 
After this, another ticket was generated under # XXXX for the {$5000.00} wire transfer that had already cleared at the bank. No ticket was generated for the {$4000.00} transfer because it was still pending. 
I forwarded the emails I received from the bank regarding the determination of the case. 
Thank you for your assistance with this situation. I remain available for any additional information or documentation needed to dispute this case. 
Best regards, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I submitted a reimbursement claim from XXXX for 2 purchases. They issued the refund 3 times. Capitol 1 took off the credit they gave me, and took the XXXX credit. I sent them the refund receipt 3 times. I still have the reimbursement receipts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I bought my house in XXXX of XXXX  and in XXXX it was transferred to NewRez Mortgage company. I made the XXXX and XXXX payments as scheduled, in the amount of {$5100.00}, and on XX/XX/XXXX I sold my Florida house and made a balloon payment of {$370000.00} on this mortgage. At that time I requested a mortgage recast to adjust my payments. I made the XXXX payment of {$5100.00}, of which {$2600.00} was applied to the principal, and then on XX/XX/XXXX, for no reason, Newrez unapplied my $ XXXX payment so my XXXX payment only had {$530.00} applied to the principal, and I still paid {$4900.00}. ( They had finally taken off the mortgage insurance by then, but had not finished the recast. ) Basically there should be an additional {$2100.00} applied to the principal for the XXXX payment. NewRez refuses to audit my payments and I have asked for this 3 separate times. I have now refinanced just to get the mortage out of NewRez, but they still owe me this amount.

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX Date : XX/XX/XXXX To : Wells Fargo Bank , N.A . 

XXXX XXXX XXXXXXXX XXXX, MN XXXX Subject : Procedural Request Under Section 609 of the Fair Credit Reporting Act and 15 U.S. Code 1681c Request for 1099-C and Immediate Account Removal if Not Provided Dear To Whom It May Concern, This is a formal procedural request pursuant to my rights under : Section 609 of the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c Requirements relating to information exclusion and obsolescence I am writing to request a copy of IRS Form 1099-C ( Cancellation of Debt ) pertaining to the following account allegedly associated with me : Creditor Name : Wells Fargo Bank , N.A . 
Account Number : XXXX Reported Balance : {$10000.00} Date of Charge-Off or Last Activity : XX/XX/XXXX Under federal law, if a debt has been canceled, charged off, or forgiven in whole or in part, the creditor is required to file a 1099-C with the IRS and provide a copy to the debtor. If such form was filed, I request a copy for my records.

If you have not issued a 1099-C, this implies the debt has not been legally canceled, or you are continuing to pursue collection in which case the information being reported may be inaccurate or incomplete under Section 609.

Additionally, under 15 U.S. Code 1681c, obsolete or inaccurate information can not be reported beyond the legally allowed period ( typically 7 years ). Reporting a canceled or time-barred debt may be a violation of this statute. DEMAND If you are unable to provide a cop
y of the 1099-C within 15 days of receipt of this notice, I am demanding immediate removal of the above account from all consumer reporting agencies ( XXXX XXXX XXXX XXXX ) to which it has been furnished.

Failure to respond or continued inaccurate reporting may constitute willful noncompliance with the FCRA and may result in further legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and consideration of a civil suit under FCRA 616 and 617.

Please send your response and any supporting documentation to the address listed above. 

Sincerely, 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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a letter from ( Credit Card ) Capital One explaining that my card would be closed on XX/XX/XXXX due to inactivity. I had a XXXX balance and have always paid the account on time. 

I responded to the letter by calling the company weeks in advance of the XXXXXXXX XXXX XXXX by phone requesting that they not close the account. I was unable to use the card to keep it active because it had expired. So, I requested a new card. A rep assured me that the account would not be closed and that they would issue a new card and that I would receive it in the mail in about 10 days. I spoke with a second rep the same day who confirmed that there were notes in the system to re-issue a card confirming what the previous rep had said. 

By XX/XX/XXXX the card had not arrived, yet I received an email stating that in fact the account had been closed. 

I called again to find out why the account was closed after the reps had assured me that it would not and even though the supervisor I talked to acknowledged that it was noted in the system that their reps were re-issuing a card and made notes to keep the account open, I was told that now that it is closed there was nothing they could do. It was not their policy to reopen an account. Even though I responded to their notice and attempted to keep the account open. 

The summary : They notified me that the account would close if there was no further activity on the account. 

I took action and responded requesting a new card to show activity on the account and keep it open and it was closed anyway despite their assurance that it would not be. 

This will damage my credit, and it was not my fault that they made this mistake. 

I would like to report this unfairness and ask what recourse do I have? 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/year> I was the victim of identity theft, and the fraudsters : 1 ) Initiated multiple fraudulent debit card transactions to my Bank of America account to a bogus business they created " XXXX ''. 
2 ) Opened up a new account at Bank of America in my name, transferred {$10000.00} to this account, then initiated more fraudulent debit card transactions.

After weeks of back and forth with Bank of America, Bank of America determined that I was not at fault and 2 of the 4 fraudulent transactions that went through were permanently credited to my account ( the other 2 were under investigation and had temporarily been credited to my account ).

Then last week, I was quite surprised that Bank of America stated that I was responsible for the other two instances of fraud. : | When I called Bank of America, they stated they tried to call me for more information ( my phone records say otherwise ), and upon supplying the information, 1 of the 2 claims was quickly made permanent in my favor.

Bank of America then cancelled my other claim ( which I obviously did not request ), and took the {$960.00} out of my account, froze my checking account ( which resulted in 2 bill pay transactions being rejected ), and has asked me to go into the branch to confirm my identity.

This is insane! Same instance of fraud, same exact time/date/location, same fraudsters, same fraudulent business ( which can be easily validated with a simple XXXX XXXX  ). 

Maybe it isn't the case, but it seems like Bank of America is doing its level best to force me to abandon my claim because it's too much work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This complaint is to reply to the Chases response regarding complaint # XXXX. The response Chase provided was the research they did for wrong tax payment paid in XX/XX/year>. However, what I filed in aforementioned complaint is to request a new research on a completely different wrong tax payment which was paid in XX/XX/year> not the XX/XX/year> XXXX ( XX/XX/year> wrong tax payment was resolved ). Please reread the aforementioned complaint and please conduct a new research on the wrong tax payment in XX/XX/year>. We havent received any refund for XXXX tax payment yet. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Problems receiving the advance — 
Company: DailyPay, Inc
State: OH

Complaint narrative:
So I was supposed to paid on XX/XX/XXXX but before that processed I was issued an Internet reimbursement of {$50.00} which their system mistook as my paycheck but the {$50.00} obviously couldn't cover what I had transferred so it triggered a landslide of errors on their end which resulted in my whole XX/XX/XXXX paycheck being taken. I called support on XX/XX/XXXX and was told it would be resolved in XXXX hours ( not business hours mind you, just XXXX hours ) As of Tuesday the XXXX I still had not heard anything back so I called in and was transferred to a supervisor who GUARANTEED it would be handled by EOD Tuesday the XXXX and that I would hear from them and to make sure my banking notifications were on. Morning of Wednesday XXXX ( today ) still had no progress so I called in AGAIN and was given the runaround until the customer service agent decided to hang up on me ( I didn't swear or even raise my voice once at him ) So I then had to call in AGAIN and finally got in touch with a supervisor who once more told me XXXX hours. It's no wonder the New York attorney general is suing this company. They are predatory and despicable. They do not care that them taking my check has resulted in me not having any food in my house or gas in my car. DO NOT USE DAILY PAY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I am writing to formally submit a complaint regarding the delay in processing my payoff request by Shellpoint Mortgage. On XX/XX/year>, I submitted a request for payoff for the property located at XXXX, CO XXXX, as part of my refinance process for my current loan with Shellpoint Mortgage. 

As outlined in your service standard, I was informed that I would receive the payoff details within 5 to 7 business days. However, as of today, neither I nor my loan underwriter have received the requested payoff information. This delay is causing unnecessary disruption to my refinance process and could negatively impact my loan terms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
I was originally informed of this debt sale until after it was sold by XXXX. This debt was originally sold to XXXX XXXX according to XXXX email. Now Im receiving an email from this company that I know nothing of. This violates the below regulations.

FDCPA 15 U.S.C. 1692e ( False or Misleading Representations ) Any attempt to collect a debt without providing proof of ownership, or misrepresenting your authority to collect, constitutes a violation of federal law.

FDCPA 15 U.S.C. 1692f ( Unfair or Unconscionable Practices ) Attempting to collect a debt without proper notice, documentation, or lawful authority is considered an unfair practice.

FCRA 15 U.S.C. 1681s-2 ( Accuracy of Information Furnished ) If you have reported or intend to report this account to any consumer reporting agency, you must ensure the information is accurate, complete, and verifiable. Reporting unverifiable or disputed information is a violation of federal law. 

Failure of Notice of Assignment I received no notice from the original creditor regarding the transfer or sale of this account, which is required under applicable state contract law and consumer protection statutes.

Company response to consumer: Closed with explanation