vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citibank , N.A . regarding the denial of my fraud claim for an unauthorized wire transfer of {$7500.00} from my account ending in XXXX, posted on XX/XX/year>. I did not authorize this wire transfer. I was the victim of a scam in which individuals contacted me and manipulated me into providing one-time security codes sent to my phone. I believed I was responding to a legitimate request and did not understand that these codes would be used to initiate or approve a wire transfer removing funds from my account. These criminals repeatedly pressured me for the codes, and I provided them because I believed I was protecting my account or responding to a legitimate verification request. At no time did I knowingly authorize a wire transfer or intend to send {$7500.00} to anyone. Citibank denied my fraud claim stating that the transaction was authenticated using my device or confidential information. However, authentication codes obtained through fraud, deception, or social engineering do not constitute legitimate authorization by the account holder. I was manipulated into providing those codes by criminals. Citibanks denial appears to rely solely on the fact that authentication was completed, without properly considering the circumstances that the authentication was obtained through fraud. As a consumer, I reasonably relied on the banks security system to prevent unauthorized transactions. I believe Citibank failed to adequately protect my account and failed to conduct a fair investigation into the circumstances of this fraud. I am requesting the following : That Citibank reopen the fraud investigation. That Citibank reimburse the unauthorized wire transfer of {$7500.00}. That Citibank provide documentation of their investigation, including how they determined the transaction was authorized. That Citibank explain why safeguards failed to prevent a fraudulent transaction initiated through deception. I am requesting assistance from the Consumer Financial Protection Bureau to ensure that Citibank properly investigates this matter and that I am treated fairly as a victim of fraud.

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 2026-03-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Veros Credit, LLC
State: CA

Complaint narrative:
My name is XXXX XXXX from XXXX XXXX XXXX ; I hade a car XXXX XXXX XXXX XXXX the owner take to my shop for a repair with he insurance, but I have a problem with the VEROS COMPANY them not wanted send the check for the repair Then this case VEROS CREDIT pickup the car from my business shop with nothing payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
WHAT HAPPENED : On XX/XX/XXXX, I brought my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX for a chain adjustment and inspection. The mechanic said my rear set was " messed up '' and bent, recommending replacement. I specifically asked him to order genuine XXXX XXXX parts. He agreed and charged me {$160.00} for parts plus {$20.00} for chain adjustment labor ( paid via XXXX XXXX ). THE PROBLEM : When the parts arrived, I went to inspect them. They came in a generic cardboard box ( like XXXX XXXX XXXX with no XXXX branding on the box itself. The parts were in cheap plastic bags with outdated-looking " XXXX '' labels. The parts appeared cheaply made and clearly aftermarket, not genuine XXXX XXXX parts as requested. I refused to take the parts and left them at the shop. Genuine XXXX rear sets cost $ XXXX $ XXXX was a safety-critical part, and I was not willing to risk my life on cheap knockoffs to save {$100.00}. DISPUTE ATTEMPTS : I immediately filed disputes with both XXXX XXXX and XXXX XXXX I called XXXX XXXX XXXX times requesting dispute paperwork that never arrived On XX/XX/XXXX, I returned to the shop requesting a full refund The owner refused, admitting the parts were aftermarket but claiming he had a " XXXX XXXX XXXX ( contradicting the cheap packaging ) He specifically said he would not refund the {$140.00} XXXX XXXX labor payment because I filed a disputeeven though I never received the parts or service Police responded but said it was a civil matter WHAT I WANT : Full refund of {$300.00} : {$160.00} for non-XXXX parts I never accepted {$140.00} for labor on work never performed. The parts remain at the shop. I have never taken possession. The merchant is retaliating against me for exercising my right to dispute fraudulent representation of parts quality. I have filed a dispute with XXXX XXXX as well waiting for 45 days for them to finish there investigation.XXXX XXXX I called XXXX XXXX XXXX support to see how is my dispute going but they said they need additional information and that they have send a paper mail but I called 5 times because I didnt revived it and everytime they said they gon na send new one since XX/XX/XXXXXXXX I havent receive a single paper from them I tried sending them email and they said they haven't revived it and they even confirmed that was there correct email but they never revived my email? And the support person ended the call with out saying anything or helping me like I actually have no idea or any clue how to complete this dispute when they arent sending me paper and not receiving my mail? When I told that to the customer support person they said idk you need to find another way to file and ended the call with out saying anything and im just waiting on call for 30-40 munites for no reason?!!! Can i please get help completeing these dispute thank you!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account information incorrect
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding incorrect credit reporting by BSI Financial Services related to my home equity line of credit. Over the last XXXX months I have made large principal payments of approximately {$20000.00} per month in addition to my automatic interest payments. These payments were made on time and cleared my account. BSI recently informed me that they performed an internal account adjustment to remove a prepayment penalty. In doing so, they reversed previously posted payments and reapplied them. This internal accounting action caused their system to generate late notices and report my account as delinquent to the credit bureaus. As a result, my credit score has dropped approximately XXXX points and I received a notice from XXXX indicating negative reporting. I have never missed a payment. Any delinquency status was caused solely by BSIs internal adjustment process. I am requesting the following immediately : Correction of all inaccurate credit reporting with XXXX XXXX, and XXXX Written confirmation that the account has never been delinquent Immediate removal of any late payment reporting Investigation of the servicing error that caused this issue This error is damaging my credit and financial reputation, which I have worked many years to build.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 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: Kikoff Inc.
State: CA

Complaint narrative:
I have made previous attempts to fix these issues directly with them. And they are violating my rights and my entitled. To {$1000.00} for every violation. I listed. They either pay me or delete these accounts. ASAP. Additional information provided by consumer : XXXX What Happened : Consumer wanted to provide more information with the CFPB complaint as requested by CFPB. XXXX verified consumer on the phone and found that the complaint was requesting for specific company information. Consumer wanted to clarify issue with negative credit reporting, and XXXX offered an action request to update complaint. The complaint should be filed against Kickoff Lending, LLC. Consumer did not want to update the narrative or resolution on the complaint. Request : For CFPB to review, update, and submit complaint to Kickoff Lending, LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I tried daily to make a payment to XXXX XXXX who transferred our loan for servicing to Rocket Mortgage. We telephoned daily from XX/XX/XXXX until XX/XX/XXXX XXXX XXXX XXXX when we were provided with a confirmation number by Rocket Mortgage. The payment was not processed until XX/XX/year>, and thus was reported XXXX days late to XXXX We filed a dispute with XXXX and reached out to XXXX XXXX and Rocket Mortgage numerous times. We were assured by Rocket Mortgage that the effective date of our payment would be corrected, and thus our credit report would no longer reflect a negative payment history or a XXXX late payment. We have filed multiple complaints with XXXX XXXXRocket Mortgage and XXXX yet nearly XXXX mos later, there is still a XXXX day late on our mortgage XXXX with XXXX I can provide the document of the confirmation if needed. The confirmation with XXXX XXXXRocket mortgage is : XXXX. I have spoken to the escalation department but to no avail other than their reassurance this is fixed, when it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this statement regarding my attempt to obtain debt validation from Jefferson Capital. I formally requested that they provide proper validation of the alleged debt. Instead of sending the requested debt validation documentation, Jefferson Capital only provided a link through email and instructed me to access the information through their online portal. When I attempted to use the link and log into the portal to view the information, the system stated that my information could not be found, preventing me from accessing any documentation related to the alleged debt. As a result, I have not been provided with proper debt validation despite my request. At this time, Jefferson Capital has not supplied the documentation necessary to verify the debt, including the original creditor information, account details, or proof of their authorization to collect the alleged balance. Therefore, the debt remains unvalidated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding an alleged debt being pursued by Caine and Weiner company, which I dispute and deny responsibility for. The alleged debt was erroneously posted to my credit report without proper notice or record of showing I entered into any contractual or credit relationship with this entity or the original creditor they reference. Under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., I have requested, in writing, validation of this debt including the original creditors name, documentation of the obligation, and itemization of the debt. The collection agency has failed to provide sufficient proof as required under XXXX XXXX. XXXX ( b ). Instead, the agency has continued collection efforts and has failed to remove this erroneous derogatory item on my credit report. Such actions constitute a violation of the FDCPA, including but not limited to XXXX ( harassment or abuse ), XXXX ( false or misleading representations ), and XXXX ( unfair practices ). This unverified alleged debut to collection on my credit file represents a violation of the FCRA, XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishing inaccurate information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX have all violated my rights as a consumer under the FCRA 15 USC 605B. They reported unauthorized and inaccurate information on my report. I need these items blocked and removed as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have made previous attempts to fix these issues directly with them. And they are violating my rights and my entitled. To {$1000.00} for every violation. I listed. They either pay me or delete these accounts. ASAP. Additional information provided by consumer : XXXX What Happened : Consumer wanted to provide more information with the CFPB complaint as requested by CFPB. XXXX verified consumer on the phone and found that the complaint was requesting for specific company information. Consumer wanted to clarify issue with negative credit reporting, and XXXX offered an action request to update complaint. The complaint should continue and be submitted towards Equifax. The consumer does not want to update the narrative or resolution. Request : For CFPB to review, update complaint, and submit complaint to Equifax for an immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: NC

Complaint narrative:
Cease and Desist Illegal Loan Agreement Loan # XXXX To Whom It May Concern, I, XXXX XXXX, a resident of North Carolina, am writing to formally demand that Koda Lending, d/b/a Helpful Lending, immediately cease and desist all collection activity related to Loan # XXXX, originated on XX/XX/year>, in the amount of {$1000.00} at a stated rate of 560.25 % APR.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
XXXX is holding {$290.00} of my business funds foXXXX XXXX days despite my account being verified and the client being present. It was not a virtual transaction as their policy describes the reason for the hold to protect both consumer and seller from fraud from online transactions. Again this was not an online transaction and the client was willing to provide testimony to receiving the products. I have informed XXXX of an immediate financial hardship ( lack of food ) and XXXX days of no food leads to death. XXXX said I would need to wait the complete XXXX days and could eat then, and they have refused a manual review. I am requesting an immediate release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Date opened XX/XX/XXXX XXXX XXXX. {$8.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$18000.00} Highest balance - Terms XXXX Months On record until XX/XX/XXXX 2027

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I disputed unauthorized payments to XXXX and instructed them to cease making payments to them. They were supposed to stop those payments and dispute those charges from my account. However, they still allowed XXXX to take payments from my account, which increased my credit usage on my credit report and consequently dropped my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Our mortgage was serviced by Wells Fargo until XX/XX/2025, when it was transferred to XXXX XXXX. At the time of the transfer, we were told this was a routine and common practice and that the transition would be completely transparent to us as borrowers. Shortly after the transfer, we received a notice stating that our bankruptcy history had been forgiven but that we were now required to resume payments. This statement was extremely alarming, as we have " never '' filed for bankruptcy. Over the next two months, my husband and I spent a great deal of time communicating with both Wells Fargo and XXXX XXXX to resolve this issue. Eventually, it was determined that this was an error, and we were told that the records would be corrected. Despite this acknowledgment, the incorrect bankruptcy information was reported on our credit report. It has since been removed by Wells Fargo and XXXX XXXX, but the process of trying to prove that this mistake was not ours caused significant stress and XXXX for both of us. More recently, XXXX XXXX informed us that our monthly mortgage payment would increase from {$2100.00} to {$2600.00} per month, an increase of {$500.00}. According to XXXX XXXX, this increase is due to their post-transfer escrow analysis, not because of any change in our loan terms or property expenses. My husband is XXXX XXXX XXXX, and I am XXXX XXXX XXXX. This sudden and unexpected increase has had a major impact on our monthly budget and financial stability. When we contacted XXXX XXXX for assistance or clarification, we were told that this is simply how it is and that we would need to find a way to make the higher payment. What was supposed to be a routine and transparent transfer of our mortgage has instead caused significant stress, confusion, and financial strain. We feel that we have been unfairly impacted by the handling of this transfer by both Wells Fargo and XXXX XXXX. I respectfully request the CFPBs assistance in reviewing this situation, including : A clear and detailed accounting of the escrow analysis that resulted in the XXXX XXXX monthly increase Confirmation that all incorrect bankruptcy information has been fully corrected and removed A review of whether the payment increase was calculated properly At our age, a sudden increase of this size is extremely difficult to absorb and has created a serious financial burden. We are simply asking for transparency, accountability, and confirmation that the charges being applied to our mortgage are accurate.

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 2026-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Vinci Law Office, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : Hello, I purchased this car around XXXX, with a {$2000.00} down payment. At the time of purchase, I was living on my own. I was making {$640.00} per month in XXXX, and I was working at XXXX XXXX XXXX in XXXX XXXXXX/XX/XXXXdo. I was earning somewhere around {$10000.00} annually. A total of about {$10000.00} per month. My rent at that time was {$700.00} Per month. My expenses nearly exceeded my total income. Which caused me to find a better paying job. Also causing me to move homes. I eventually started a job as a roustabout with XXXX XXXX XXXX thousands of miles per week. On the way home I was near a pedestrian cross walking, sun glaring into my windshield a pedestrian was crossing. I quickly Shifted into neutral and while I was compressing the clutch and brake - my right foot also floored the accelerator. The pedestrian was safe. However, the XXXX XXXX XXXX XXXX was not. I had thrown a piston through the engine. While the XXXX XXXX XXXX XXXX sat at my apartment, I could no longer drive it. I eventually had it towed through my insurance at the time. It sat at an auto shop for a long time. There began the harassment for XXXX years, after hours calls etc. The most recent call happened this month ( XX/XX/XXXX Even after disputing this several times as well as explaining my story. I love that vehicle with all my heart. I wish to have the XXXX XXXX XXXX XXXX XXXX back in my possession or the equivalent in the balance paid. Thank you for your time and consideration, Vinci Law Office is the Debt Collection Agency whom I am constantly being harassed by. See below- Vinci Law Office , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXXXX/XX/XXXX XX/XX/XXXXBest RegardsXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: MS

Complaint narrative:
My complaint is to TD Auto Finance XXXX XXXX XXXX XXXX, PA XXXX This account is reporting as a collection/charge-off with a balance of {$16000.00} ; however, the information being reported is inaccurate and incomplete. The report lists the worst pay status as UNKNOWN, which indicates the payment history can not be verified. Under the Fair Credit Reporting Act, all reported information must be complete and verifiable. Please verify the following : The original signed contract Complete payment history Accurate balance calculation Proof of my responsibility for this account If this information can not be verified, please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation