vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
XXXX '' } I am filing a complaint regarding an incorrect debt that was sent to collections. My auto insurance policy with XXXX XXXX was properly cancelled on XX/XX/2024. I have written confirmation showing that the correct remaining balance was {$36.00}. Despite this, my account was incorrectly sent to collections through Cain & Weiner for {$320.00}, which is not accurate. This is a clear billing error. I have already attempted to resolve this directly with both XXXX and the collection agency, but the issue has not been corrected. I am requesting : - Immediate correction of the balance- Immediate removal of the collection account - Confirmation that this will not be reported or will be removed from my credit I have attached documentation proving the correct balance and cancellation confirmation. This error is unfairly affecting my financial standing and must be corrected immediate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Transaction through Venmo on XX/XX/XXXX with a new tenant in my building. Tenant paid for XX/XX/XXXX partial rent and security deposit at signing of lease. Total was {$2200.00}. I have copies of the signed lease documents. These were sent to Venmo. Tenant moved out in XXXX of XXXX. On XX/XX/XXXX tenant told their credit card company the charge was fraud. Venmo took {$1300.00} on XX/XX/XXXX that was in my account towards dispute. I was assigned a dispute number of : XXXX XXXX Venmo took another {$200.00} that was sent to my account on XX/XX/XXXX. At this time my Venmo account showed a negative balance of - {$670.00}. I called Venmo to verify they received my documents proving the charge was legitimate and they stated they had. I called again on XXXX to ask for an update on the dispute. I was told since this was a third party dispute with a credit card there was not much they could do, but they had been in touch with the credit card company and given them my info. I was able to call my ex tenant that same day to discuss this dispute. With me on the phone he called his credit card company and reversed the dispute. I have a recording of this phone call. I made several phone calls and emails for updates on the dispute, knowing now that it was reversed. I kept getting answers like, it takes time, and it's a third party dispute we don't control it. On or about XX/XX/XXXX I called Venmo and was told that they had been contacted by the credit card company and the money was being returned on XXXX. Nothing changed on my account and nothing has changed to date. I have called repeatedly and gotten no where. I am only given that it's a third party dispute and they don't control it. I am also told I can only email the dispute department, no phone calls. I have emailed repeatedly and keep receiving what I would describe as automated responses or form letters. On XXXX I reached out to my ex tenant again and asked if the money had been taken back out of his account. He sent me a screenshot from his credit card showing it had on XX/XX/XXXX. Since then I have sent that screenshot to the dispute department and get the same response, this is an outside dispute we don't have any control over it. We will put this screenshot in your file. I should have been returned the {$1500.00} they have taken from me and my account brought back into good standing at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Attempted to withdrawal funds and teller was unable to process closing account on XXXX. On XX/XX/XXXX CD was closed. Internal transfer to savings in branch and branch manager was unable to release funds. Went to different branch XX/XX/XXXX again branch manager unable to release funds. {$120000.00} Made several calls to customer service and followed all instructions to get funds released sooner and funds are still no released.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC

Complaint narrative:
am filing a complaint against Citizens Bank regarding a fraud claim that I originally reported in XX/XX/XXXX. The claim number is XXXX, and the total unauthorized charges amount to {$7200.00} From XXXX XXXX until XX/XX/XXXX, Citizens Bank did not send me any communication regarding the status of my claim. I did not receive any letters, emails, requests for information, or investigation updates. When I contacted Citizens Bank recently, I was told that the claim could no longer be processed because too much time has passed. However, the delay was not caused by me it was caused by the banks failure to provide required notices. Because I never received any communication, I was deprived of the opportunity to respond or correct any issues during the investigation period. I am requesting that CFPB require Citizens Bank to : Reopen fraud claim XXXX Conduct a full reinvestigation Provide records and written explanations Ensure the bank does not deny the claim based on lack of communication that was not my fault The banks failure to notify me has resulted in significant financial harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
Money sent via CashApp to wrong person. Contacted CashApp and was told that they were going to investigate. They refuse to provide any details. I requested that the funds be returned from the person and they did not respond to the request. This is theft when you knowingly accepted {$450.00} in error and was requested to return it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am filing a complaint regarding a mortgage servicing transfer error involving PHH Mortgage ( XXXX XXXX XXXX XXXX and XXXX XXXX. I made my XX/XX/XXXX mortgage payment via XXXX XXXX bill pay on XX/XX/XXXX to PHH Mortgage. My bank has confirmed that this payment was successfully delivered and cashed by PHH Mortgage on XX/XX/XXXX. Shortly thereafter, my loan servicing was transferred to XXXX Mortgage. XXXX is now stating that they never received the XXXX payment from PHH Mortgage and is treating my account as delinquent, despite the fact that the payment was made in full and on time. All subsequent payments ( XXXX through XX/XX/XXXX ) have been made on time and properly processed. PHH Mortgage received and cashed my payment but failed to properly transfer or apply those funds during the servicing transfer. This has caused : Incorrect delinquency status Risk to my credit reporting Significant time and financial hardship attempting to resolve I am requesting : Immediate investigation into the missing XX/XX/XXXX payment Proper transfer and application of funds to XXXX XXXX Correction of any negative reporting or account status Written confirmation of resolution This issue appears to be a violation of mortgage servicing transfer requirements under federal law.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a second complaint against Wells Fargo regarding inaccurate account handling, lack of clear disclosure, and improper application of interest charges. I previously filed a complaint regarding interest charges applied to my account while I was actively disputing defective merchandise purchased from XXXX XXXX XXXX. That dispute involved an indoor sectional, which was ultimately exchanged on XX/XX/year>. Wells Fargo has now responded stating that the interest charges ( over {$600.00}, applied on XX/XX/year> ) were related to a separate purchase ( an outdoor patio set ). However, this distinction was never clearly communicated to me at any point during the dispute process. All of my communications with Wells Fargo were specific to the indoor sectional. At no time did any representative clearly explain that : The indoor sectional was already paid in full The remaining balance I was paying on was for a different purchase Interest would be applied to that separate balance during the dispute Because of this lack of clear and accurate communication, I reasonably believed my account status and billing were tied to the disputed transaction. I contacted Wells Fargo immediately after the interest was applied to resolve the balance and requested the interest be removed so I could pay the remaining amount. This request was denied. Wells Fargos response now relies on information that was never properly disclosed to me during the dispute process. This reflects a failure to properly investigate, failure to clearly communicate account balances across multiple transactions, and misleading account handling.

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 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: WI

Complaint narrative:
I am a victim of identity theft involving a federal student loan associated with Eastern XXXX University. A loan was opened in my name in XX/XX/XXXX for enrollment at Eastern XXXX University. I did not apply for this loan, I did not complete a FAFSA for XXXX, I have never attended this university, and I did not receive any loan funds. I discovered this loan on my credit report and immediately filed a police report and an FTC identity theft affidavit. I reported the fraud to the loan servicer, XXXX, but my claim has now been denied twice without any explanation or supporting documentation. I have not been provided a copy of the application records, or disbursement information. I contacted Eastern XXXX University on XX/XX/XXXX to report the fraud. I was informed that an individual is actively enrolled in online classes under my identity and has received academic grades. The account was created using my maiden name and an unauthorized email address that I do not recognize. The university indicated the account was flagged as fraud, but I have not received any follow-up despite multiple calls. I have been told they are experiencing a high volume of fraud cases. Additionally, my FSA ID was fraudulently created in XX/XX/XXXX using my personal information. I reported this to the U.S. Department of Education and my account has since been disabled. Despite clear evidence of identity theft, this loan continues to be reported on my credit report and the balance has increased during the dispute process. I have made multiple good-faith efforts to resolve this issue and am requesting prompt corrective action.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by FNB OMAHA - ( PARTIAL ACCOUNT NO : XXXXXXXX ) was opened under my name without my knowledge and I am asking to FNB OMAHA creditor and Experian credit reporting agency block and delete this fraudulent account from my credit report but they refused to help me. It is a fraudulent 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 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
In XX/XX/XXXX, I entered into a retail installment contract with Healthcare Finance Direct, LLC ( HFD ), Account # XXXX, for services financed through XXXX. I made consistent monthly payments of {$140.00} from XX/XX/XXXX through XXXX. In XXXX, I experienced financial hardship and submitted a formal hardship request to HFD. On XX/XX/XXXX, I received written confirmation from HFD representative XXXX XXXX. that my account was placed on hold pending provider response, and that they would follow up with me regarding the outcome. HFD never followed up. Instead, during and immediately after the hardship hold period, HFD began charging repeated NSF fees of {$20.00} and late fees of {$25.00} multiple times per month without resolving my hardship request or notifying me that the hold had been lifted. These fees were stacked in XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX while my account was supposed to be protected. HFD then transferred my account to XXXX, a third-party debt collector, without ever resolving my hardship request or providing a final determination. The account balance of {$1600.00} being collected includes fees that were improperly charged during my hardship hold period. I am requesting that the CFPB investigate HFDs failure to honor its hardship agreement, its practice of stacking NSF and late fees during an active hardship hold, and its referral of my account to collections without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing in response to a recent notice I received regarding an alleged debt of ( {$1500.00} ) through ( XXXX XXXX XXXX ) I disputed the validity of this debt, and the dispute got canceled so now I r equest that you provide full validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 as I called XXXX XXXX XXXX and most was not granted. 1. The name and address of the original Creditor 2. The original amount of the debt and what the debt was originally for. 3. A complete itemized payment history, including all payments I have allegedly made over the past XXXX years, from XXXX and how much was paid off the original debt 4. Proof that I am legally obligated to pay this. 5. Documentation of any interest, fees, or additional charges applied.

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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing a fraudulent account with CRA Experian and nothing has been done. As a consumer i have the right to dispute accounts ) with inaccurate information. i have asked Experian to send proof of reinvestigation for the following accounts ) with no success. XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Date Assigned XX/XX/2026

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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
SoFi has a {$10000.00} on time closing guarantee. All parties including escrow got all required documents to SoFi on time but the closing was delayed due to SoFi. I have tried reaching out to loan officer, their manager, and anyone else at SoFi but they have not responded with anything. No email, no phone call, nothing. I would like to pursue the guarantee but cant without their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
The rental company, did try to charge for absurd amount of money for the rental property i left in perfect condition. I have reached to the collection company twice - Kimball , Tirey & St. John LLP., and asked for validation documents on the rental dept that they put into my credit history. They however were not able to provide : Move-in inspection report Move-out inspection report ( NOT THE MOVE OUT STATEMENT ) Documentation showing the unit condition at the start and end of tenancy Proof that alleged damages exceed normal wear and tear Evidence that proper notice and communication were sent prior to collection. This is why this dept on my record should be removed due to lack of validating documents. I have applied to personal loan and got rejected due to this dept record. I need immediate help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HILLTOP HOLDINGS, INC
State: KS

Complaint narrative:
XXXX XXXX made unauthorized transactions on my account starting XX/XX/26 to XX/XX/26. During this time he told CFPB that on XX/XX/26 and XX/XX/26 that they needed more time because they were researching. He did not notate the account until XX/XX/26 so nobody could explain what was happening. When he notated the account he falsely stated that the homeowner asked for these transactions to be completed. He then took my account from being XXXX months behind to XXXX months behind on payments. On XX/XX/26 unknown to me again, he placed my account into ACTIVE FORECLOSURE. To this day I have not received ANY communication regarding this. I attempted to make my monthly payment as I have done regularly. When I called on both XX/XX/26 and XX/XX/26 the rep, XXXX XXXX refused to take my payment. I called on XX/XX/26 to attempt to make both my XXXX and XXXX payment and was advised XXXX had now sent my account to an attorneys office on XX/XX/26. Something VERY fishy is going on and it seems XXXX is trying to rush through a falsified foreclosure action.

Company response to consumer: Closed with explanation