vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
We moved in XXXX XXXX XXXX  in XXXX Florida on XXXX XXXX XXXX  XXXX. From day XXXX we had maintenance problems, busted under XXXX  XXXX XXXX, shut off valve was broken water could not be stopped. It ruined multiple boxes full of clothes, packed items from the move we had in the living room. After that we had multiple maintenance calls to fix an overflowing toilet. sewer waste backing up into the tub, bathroom floor for month. they kept coming to fix was not fixed until a bath towel was removed from the main sewer drain, left by the previous tenants. Finally we had enough and had to move out. We tried to explain the reason to the management but they were replaced and apartment were purchased by XXXX XXXX. I wrote a long letter documenting all the problems an no one responded. once we left the XXXX XXXX it was renovated and rented out within a month of us moving. management kept promising they will fix all the problem, but they were not. 
I have attached the letter sent to management and corporate. No reply from any.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A vehicle loan account reported by Wells Fargo Auto is showing an inflated and inaccurate deficiency balance following a repossession. 
I submitted a written dispute to Wells Fargo Auto requesting verification of the reported balance, including a repossession sale notice and an itemized accounting showing application of payments and sale proceeds. I provided a deadline for a response. 
Wells Fargo Auto did not respond to the dispute and did not provide any of the requested documentation. Despite this, the deficiency balance continues to be reported to consumer reporting agencies. 
Without documentation showing the sale of the vehicle, the proceeds received, or how payments were applied, the reported balance is not verifiable. The continued reporting of this information has negatively affected my credit. 
I am filing this complaint because Wells Fargo Auto failed to investigate the dispute or correct or delete information that can not be verified.

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 2026-01-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CO

Complaint narrative:
I am experiencing financial hardship and have been unable to make my Sallie Mae loan payments for several months. I contacted Sallie Mae in XXXX to request a temporary deferment or forbearance, but I have not received a resolution or clear guidance on my options. I requested information on eligibility, documentation required, and the process to pause or reduce my payments, but the responses have been delayed or unclear. My current loan balance is {$25000.00} with {$750.00} which is XXXX days past due, and I am concerned about interest accrual and potential negative reporting to credit bureaus while this issue remains unresolved. I am seeking a temporary deferment or forbearance due to financial hardship and request that Sallie Mae provide timely assistance in processing this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation to substantiate this debt : The name and address of the original creditor The original account number The amount of the alleged debt, including an itemized breakdown of any interest, fees, or charges Documentation bearing my signature that shows I agreed to assume responsibility for this debt Proof that your agency is legally authorized to collect on this debt A complete chain of title, showing transfer of ownership from the original creditor to your agency Until you provide the requested validation, you are required to cease all collection activities, including reporting or continuing to report this account to any consumer reporting agency. 

If you are unable to provide the requested validation, I request that this account be removed from my credit reports and that I receive written confirmation of the same. 

This request is not a refusal to pay, but a request for proof that I am legally obligated for the alleged debt. 

Please respond within 30 days of receipt of this letter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of impersonation fraud and theft by deception. An individual falsely claiming to represent Wells Fargo Bank , N.A . contacted me by phone and, through real-time social engineering, instructed me to move funds through XXXX XXXX to what was falsely represented as my own checking account. 

Relying on these misrepresentations, approximately {$8300.00} were transferred via XXXX XXXX to a fraudulent destination account labeled as Wells Fargo not owned or controlled by me. I did not knowingly authorize payment to a third party. 
The fraudulent nature of the transactions was immediately reported on XX/XX/year>. XXXX XXXX and Wells Fargo attempted to cancel pending transfers, and I promptly filed fraud claims with XXXXXXXX XXXX XXXX, Wells Fargo, and relevant authorities. 

I provided extensive documentation, including : Bank-issued fraud alerts XXXX XXXX  transaction records with timestamps Phone call logs/timestamps showing real-time manipulation Documentation of attempted transaction cancellation FTC Fraud Report ( # XXXX XXXX Local Police Report ( # XXXX ) CFPB complaints filed against XXXX XXXX XXXX and Wells Fargo Despite this evidence, Wells Fargo denied reimbursement, asserting the transactions were authorized, without addressing impersonation fraud or theft by deception. They also claimed in their CFPB response that they provided advice on how to avoid phishing scams, which I never received. 

I dispute the companys response as inadequate. The transactions resulted from impersonation fraud and real-time social engineering, documented by an FTC fraud report and a local police report. I did not knowingly authorize payment to a third party. The response does not address the documented deception, coercion, or theft by deception, nor does it cite specific policy justifying denial. 

I have since filed an IC3 complaint and have attached additional evidence of impersonation.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On Monday, XX/XX/XXXX at XXXX EST, I used Truist drive-thru ATM ( XXXX ) in XXXX XXXX, XXXX XXXX city of XXXX, GA XXXX withdraw XXXX USD cash from another personal bank account I have in XXXX. The transaction was approved and as the money was about to be delivered the ATM showed an error saying this ATM can not deliver cash at this moment ( paraphrasing ) and it never dispensed the money, nor a receipt. The money however, was charged from my bank account. There was no contact information on the ATM, nor the branch, for me to report the incident and it was a holiday, so the branch was closed. I proceeded to call Truist Customer Service to report the incident, I spent about XXXX hours on the phone, sending me back and forth to different departments. They didnt have a solution, and their main reason is because I am not a client of Truist. They asked me to visit the branch. I called the branch that day ( found their number on XXXX ) to leave a voicemail reporting the issue and to leave record of it. I then called my bank in XXXX, and they confirmed the transaction had been completed on their end. They gave me the option of starting a claim, however, they need a record number from Truist to verify that the transaction indeed happened. After 3 days of calling Truist customer service, I went to their branch again, in person to ask for help. They again deferred me to phone number, I called and they gave me the same answer as they did before : they can not help me because I am not a customer, that I need to go the branch. I went to the branch again, not only they did not helped but they got frustrated at me. They left me waiting in their lobby for about an hour, there were XXXX employees there and no customers ( so all of them were free ) but no one took the time to address me right away. After a long wait finally the branch XXXX came out, heard me out but told me that they are not responsible because the ATM is operated by a third-party. They continue to say that I need to call their call center. She even got defensive and upset, asking me to come back another day because today ( a Saturday at XXXX ) she couldnt help. 

For all the above, I am reporting this incident, this branch and this institution. No one is responding or helping and no one is being held accountable for the malfunction of this ATM. It is my understanding that the bank should be responsible. In any case, I am here left in the middle, no support, no solutions and XXXX USD less in my bank account. I need to recover that money and report the malpractice of lack of support to someone that uses their services, even if they are not a customer.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I bank with Wells Fargo did a transaction with this company through XXXX thinking that My Money was being protected. I have always XXXX with this person. This person had a sale I failed them. The first transaction was {$270.00}. The second transaction was XXXX. They had sales on XXXX XXXX  I have shopped with her before XXXX months go by wait until the next year of XXXX. I have no XXXX  try to send her a DM and she came back and told me that her mother XXXX had to be XXXX  and sent me pictures of it and said that she had sent my wig off, but the XXXX shipping company has sent my wig to someone else and said that she had XXXX other transactions that had happened just like that she said that she was in contact with XXXX and had to threaten them to make them go and retrieve the packages she said the packages have been retrieved, but I still dont have any updates so I called Wells Fargo filed the claim and Wells Fargo denied my claim they didnt ask me for no proof or anything said that because I use XXXX, XXXX said that I knew the person and I told her no I didnt. Its no XXXX knows that that person is a business and I also played in the comments that I was purchasing weed. She also said that they contacted bank and the bank that account does not have any money in that account and I asked her why wont you all get that account closed? She said that that was my issue and they could not deal with it Wells Fargo said it all of that.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: MORGAN STANLEY & CO. LLC
State: TN

Complaint narrative:
I woke up and had an email that said I needed to contact my bank immediately due to an international address change. I live in the United States I have never left the United States and do not plan to. I called them and they said my account had been closed and I was like what is this about an international address change? They said they could not disclose any information about that or what it was even talking about. But our account was being closed. At this point both mine and my boyfriend 's checks ( Joint account ) were going to that bank and the account was frozen so we were unable to get our funds out or get our checks deposited into that account. I also have a IRS check tax refund coming to that account and it's too late to go in and change the bank it is being deposited into so now I will have to wait for them to issue a check after it is returned hopefully. We just would like some information about why that even happened. We have no clue what they're even talking about and it's not fair that we had to deal with all of the repercussions of it when it shouldn't have happened at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Subject : Failure to engage in good-faith debt settlement negotiations despite consumer initiative. 
Description of the issue : I am filing this complaint against American Express regarding accounts XXXX and XXXX. 
Due to a significant change in my financial circumstances, including a lack of official income and no seizable assets, I proactively contacted American Express to resolve my outstanding balance of approximately {$2200.00}. I acted in good faith by offering a lump-sum settlement of {$400.00} ( {$200.00} per account ), which represents the maximum amount I can realistically secure through family assistance at this time. 
Despite my transparency regarding my " judgment proof '' status and my sincere efforts to avoid litigation, American Express has refused to engage in reasonable negotiations. Instead of seeking a mutually beneficial compromise, the bank has remained inflexible, effectively forcing a situation that may unnecessarily burden the judicial system. 
Furthermore, I have issued a Cease and Desist notice regarding further collection calls to protect my rights under the FDCPA, yet the bank continues to ignore my settlement proposals. I am requesting that the CFPB facilitate a review of this matter by a department with the authority to accept a realistic settlement offer based on my actual financial capacity. 
Desired Resolution : I request that American Express accept my lump-sum settlement offer of {$400.00} to close both accounts in full, or provide a reasonable counter-offer that reflects my current documented financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
In XXXX XXXX I opened a Capital One 360 Money Market account because it offered a competitive advertised interest rate. In XXXX XXXX Capital One introduced a new product, the 360 Performance Savings account, paying materially higher interest rates. Capital One did not notify existing 360 Money Market or 360 Savings account holders about this higher-yield product and did not offer automatic conversion. As a result, I remained in a lower-yield legacy account while new customers received higher rates for functionally similar accounts. 

I later learned that Capital One entered class-action litigation regarding this practice, but the settlement covers only 360 Savings accounts and excludes 360 Money Market accounts despite the same underlying conduct and harm. I request CFPB review of Capital Ones legacy deposit account practices for potential unfair or deceptive treatment and consideration of corrective action for excluded Money Market account holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft. I have repeatedly been denied credit by Destiny Mastercard based on four alleged prior Concora Credit accounts that I did not open and do not belong to me. 

These accounts do NOT appear on my XXXX XXXX  or XXXX credit reports. However, Concora Credit and Destiny Mastercard have confirmed that these accounts exist only within their INTERNAL risk and underwriting systems and are being used to deny me new credit. 

Because these accounts are not reporting to consumer reporting agencies, I have no ability to dispute them through the credit bureaus, yet they continue to cause ongoing credit denials. 
Using internal records tied to my SSN that resulted from identity theft, without verification or disclosure, violates my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to sections 605B, 609, and 623.

I have never opened these six Concora Credit accounts, never authorized them, and never benefited from them. Concora has been unable to provide signed applications, contracts, or proof of authorization. 

Despite this, they continue to retain and rely on these internal records to blacklist me and automatically deny new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing this complaint because cash app has failed to properly investigate a goods not as described claim on XX/XX/year> I paid {$38.00} for a dog named wuffy based on the sellers specific description and promises. When the dog was delivered it was significantly different from what was advertised the seller misrepresented the animal and I have documentation providing the descrepancy. I have disputed this twice through cash app support system but they have denied my claim both times without reviewing the evidence I provided regarding the sellers misrepresentation. I am requesting a full refund of the funds because cash app is failing to follow its own dispute protocols for fraudulent or misrepresented sales the seller described the item as a lifelike pet that looks and feels like a real animalwhen in fact it was just a battery operated toy I could have paid {$5.00} for it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX a capital one account was opened using my information and I received a XXXX  XXXX card I didn't order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Continental Finance otherwise known as XXXX XXXX is charging me {$440.00} for fees and interest on those fees. I called them and they said they would not wipe out the balance because the last purchase hasnt been paid for. They told me the last purchase was in XX/XX/year> for {$4.00}. I have been paying a minimum amount of {$45.00} for 24 months. I didnt even realize the card was still open. I went through a company that helped me take care of my debt. I have turned my financial situation around. I was stunned to receive this bill as I have not received anything in years. I still have the expired credit card. I just want the balance taken care of and the card closed. I held for more than XXXX minutes and no supervisor was available. This is predatory and I want it resolved. If you need more information, please let me know.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Unifin Inc.
State: DE

Complaint narrative:
I am filing this complaint against the above debt collector for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

The company has contacted me regarding an alleged debt. I timely requested proper debt validation in writing. To date, the company has failed to provide competent validation proving that I owe this debt, that they have legal standing to collect it, and that the amount being claimed is accurate. 

Despite failing to validate the debt, the company continues to attempt collection and/or report the account to consumer reporting agencies. This constitutes continued collection activity without validation, which is prohibited under the FDCPA. 

Additionally, any credit reporting associated with this account is inaccurate and unverified. Reporting a debt without proper verification violates the FCRA and causes direct harm to my credit profile and financial standing. 

I dispute this debt in its entirety. The collector has not provided : A copy of a signed contract or agreement bearing my signature A complete payment history or accounting of the balance Proof of assignment or ownership of the debt Proof that the debt is legally collectible and within the statute of limitations

Company response to consumer: Closed with explanation