vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
The charge-off on Account # XXXX, now owned/reported by XXXX XXXX XXXX also known as XXXX, is inaccurate and incomplete. The debt was sold after improper maintenance fees ( $ XXXXmonth instead of the disclosed $ XXXXmonth ) were charged on a closed account in violation of the Cardholder Agreement. See attached agreement, prior emails to Continental Finance ( XX/XX/XXXX & XXXX, XXXX ), and XXXX Complaint ID XXXX. I request deletion or full correction of this item

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 2026-06-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: NV

Complaint narrative:
Formal Dispute and Demand to Cease Collection Activities. I am writing to formally dispute the alleged debt that has been reported and transferred between debt collectors. This account was previously disputed with XXXX Collections, and despite my dispute, the account has apparently been sold or assigned to another collection agency. I do not owe this debt and do not acknowledge any legal responsibility for it. Based on my bank payment history and records, I have found no evidence supporting the validity of this claim. Furthermore, I terminated my relationship with XXXX XXXX due to identity theft concerns and unauthorized activity. Any account associated with this alleged debt may be the result of fraud or identity theft. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand complete validation of this alleged debt, including : The name of the original creditor. The amount allegedly owed. Copies of any agreement bearing my signature. Documentation proving that I am legally responsible for the debt. Documentation showing the legal transfer or assignment of the debt from Credence Collections to your company. Because this debt has been disputed, any continued collection efforts without proper verification may violate federal law. Additionally, under the Fair Credit Reporting Act ( FCRA ), information reported to credit bureaus must be accurate and verifiable. I request that any negative credit reporting associated with this disputed account be removed immediately unless and until the debt can be fully verified. Pursuant to 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this matter except to provide the requested validation or to notify me of specific legal actions permitted by law. Please be advised that I do not consent to any further collection activity, telephone calls, emails, text messages, or credit reporting related to this disputed account. Any attempt to collect on an unverified debt that has previously been disputed may be documented and reported to the appropriate regulatory authorities. Please provide written confirmation that this account has been marked as disputed and that collection efforts have ceased pending verification.

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 2026-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
What Happened : I am filing a formal dispute against Ally Bank for an explicit violation of the Electronic Fund Transfer Act ( XXXX ), Regulation XXXX, regarding an error resolution failure on an online bill payment. In XX/XX/year>, I utilized Ally Banks Bill Pay service to issue a recurring payment of {$760.00} to the payee " Peak XXXX administration, '' my XXXX XXXX with strict deadlines that result in loss of health coverage if not followed. While the first payment was sent and received successfully, for the second, Ally Bank successfully debited my account balance and officially marked the transaction status as " Processed XX/XX/XXXX '' Despite Ally taking my funds and verifying the transaction as complete, the payee never received the money, even after XXXX days. As a direct result of Ally 's processing failure, my account with XXXX XXXX XXXX fell into past-due status, and I have had to pay several XXXX dollars to ensure I didn't lose my health coverage - and was only afforded this privilege due to the kindness of the XXXX XXXX. When I contacted Ally Bank customer service to report this missing transaction error, the representative stated they " had no way of checking '' whether the money was cashed and refused to investigate or track the funds. This is a direct violation of Regulation XXXX error resolution requirements.Because Ally processed this payment, they possess either the ACH trace/routing IDs or the physical check number mailed to the payee. I needed this information to avoid having to pay an additional several XXXX dollars. After XXXX hours on the phone and chat with mostly foreign Ally Bank representatives who seemed completely indifferent if not actively hostile to my questions and urgent need to track these funds, I was told that they would freeze my account if I insisted on a dispute about the status of the funds. There has been no resolution and I am out over {$1500.00} with no ability to trace where my money went

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 2026-06-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding a credit card account that was opened without my knowledge or authorization. On XX/XX/year>, I contacted Citi Bank 's XXXX Department to report that this account had been fraudulently opened. I was unaware of its existence until I obtained a copy of my credit report in XX/XX/year>. On XX/XX/year>, I received a letter from Citi Bank stating that the investigation into my fraud claim was still ongoing. I respectfully request that Citi Bank expedite its investigation, as a timely resolution is critical to helping me address the identity theft issues affecting my financial records. Additionally, I respectfully request written confirmation once the investigation is completed and the account is determined to be fraudulent. This documentation is essential for correcting my credit history and protecting my financial record as I continue working with credit reporting agencies and other institutions to resolve this identity theft case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-26 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this formal regulatory complaint directly against Macy 's regarding my Macys credit card account, account ending in XXXX XXXX While I originally opened this account, my physical card was subsequently stolen in the mail and used for unauthorized, fraudulent transactions. I repeatedly contacted Macy 's retail customer service and their credit services division to report the theft and secure the account. Macy 's staff repeatedly failed to support me, refused to close the account in a timely manner, and allowed subsequent fraud attempts to occur. Due to this severe lack of support, I was forced to file an official report with the Police Department in XXXX XXXX on XX/XX/XXXX ( XXXX XXXXXXXX ). I have provided undeniable proof that these charges are fraudulent : On XX/XX/XXXX, the initial fraud occurred physically at XXXX XXXX in XXXX XXXX, TX, while flight itineraries prove I was in XXXX, WA. A XXXX unauthorized attempt occurred while I was traveling between XXXX XXXX, XXXX, and New York. Although Macy 's finally closed the internal investigation and ruled completely in my favor on XX/XX/XXXX, their failure to coordinate with their billing department and issuer ( XXXX ) has resulted in this fraudulent balance being sent to a third-party collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). Macy 's negligence in handling this identity theft from the beginning has caused ongoing credit damage and severe financial distress.

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 2026-06-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal escalation regarding illegal debt re-aging of an obsolete account ( Account # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX previously disputed this, and Synergetic claimed they were reporting legally. However, the collection agency subsequently emailed me my official account ledger as 'debt validation. ' That ledger is attached to this complaint. Page XXXX of their own account ledger explicitly shows last voluntary payment was made in XX/XX/XXXX, and the account defaulted in XX/XX/XXXX. Any XXXX relief credits or internal account adjustments did not bring the account current and do not constitute payments made by the tenant. Under the Fair Credit Reporting Act ( FCRA ), the mandatory XXXX credit reporting limit for a XX/XX/XXXX delinquency expired completely in XX/XX/XXXX. The credit bureau is currently violating federal law by continuing to host an obsolete, re-aged debt with a false XXXX date ( date of move out not dofd ) Because the collection agency 's own official ledger proves this debt is legally expired and obsolete, I demand its immediate and permanent deletion from my credit profile. Thank you

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 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Dear sir/madam : XXXX XXXX ( phonetic ) from Wells Fargo Bank called me from telephone number : XXXX at extension : XXXX. I called XXXX XXXX on multiple occasions, but unfortunately she refuses to answer my calls and she does not return my calls. I tried FOUR different websites and each one said that Wells Fargo bank is blocking my transaction to purchase an airplane ticket. I have a medical emergency snd Wells Fargo Bank is putting my life in danger. On or XXXX XXXX, XXXX, I tried to purchase a round-trip ticket from XXXX to XXXX XXXX for a medical emergency. I once again tried using my Wells Fargo Bank XXXX that gas Zero balance and my debit card has sufficient funds to complete the transaction. This time, I went to XXXX XXXX XXXX to buy the airplane ticket and once again, for the THIRD time, Wells Fargo Bank is INTENTIONALLY blocking my transactions!! Wells Fargo Bank action may cause me serious, irreparable harm or result in my death! I have XXXX XXXX XXXXXXXX, XXXX in XXXX XXXX with XXXX XXXX in my XXXX XXXX, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a CURRENT XXXX XXXX XXXX XXXX I have XXXX, severe fatigue, XXXX XXXX XXXX XXXX XXXX XXXX is XXXX Especially my XXXX XXXX and in XXXX, the doctor installed XXXX XXXXs which came out is causing me great pain to TRY and eat food. Iam in desperate need of help and to stop Wells Fargo Bank from retaliating against me. This is there fourth time wells fargo bank is blocking me and I called XXXX XXXX and I was told to disregard the email because Wells Fargo Bank is blocking the transaction. I went to XXXX for XXXX XXXX and the temporary teeth broke. This is causing me severe pain especially if I try to eat. Wells Fargo Bank is putting my life in danger. Wells fargo bank is STILL blocking my debit and credit card. Unfortunately, this is not Wells Fargo first time erroneously blocking my credit card.

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 2026-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am filing this formal regulatory complaint against XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ), reference account # XXXX. This agency is actively attempting to collect on an invalid debt resulting from unauthorized fraudulent activity. The debt originates from a Macy's/Citibank credit card that was stolen in the mail. There is undeniable proof that these charges are fraudulent, including official flight itineraries proving I was in XXXX and XXXX XXXX when unauthorized transactions were attempted in XXXX XXXX, TX. Most importantly, the original creditor, Citibank, already completed an internal fraud investigation and officially ruled the dispute in my favor on XX/XX/year>, clearing me of all financial liability. I also filed an official police report on XX/XX/year> ( # XXXX ) in XXXX XXXX . This collection agency is attempting to collect on a voided balance.

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 2026-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this formal regulatory complaint against Radius Global Solutions LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), reference account # XXXX. This agency is actively attempting to collect on an invalid debt resulting from unauthorized fraudulent activity. The debt originates from a XXXX credit card that was stolen in the mail. There is undeniable proof that these charges are fraudulent, including official flight itineraries proving I was in XXXX and XXXX XXXX when unauthorized transactions were attempted in XXXX XXXX, TX. Most importantly, the original creditor, Citibank, already completed an internal fraud investigation and officially ruled the dispute in my favor on XX/XX/year>, clearing me of all financial liability. I also filed an official police report on XX/XX/year> ( # XXXX ) in XXXX XXXX . This collection agency is attempting to collect on a voided balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: MO

Complaint narrative:
Loan payments biweekly have become unaffordable as my income has reduced over the past few weeks due to a XXXX XXXX ( XXXX ) resulting in lost time at work under FMLA and in turn lost income. Had called once asking for the ability to refinance or assistance though no meaningful information was provided.

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 2026-06-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the aforementioned account currently reporting on my consumer credit files. This account is the result of a severe corporate underwriting and billing error made by XXXX, and I am demanding an immediate retroactive " Void from Inception '' and a full debt recall from all credit XXXX am an XXXX XXXX XXXX in the United States XXXX XXXX XXXX From XX/XX/XXXX through XX/XX/XXXX, I was stationed and residing in XXXX, Kansas. I possess official military orders, housing contracts, and military paperwork that legally prove my continuous, physical domicile in Kansas during this entire timeframe.During the period in question, my spouse and I were living completely separate lives in XXXX different states, and we are currently going through a formal divorce. She was residing in XXXX, Massachusetts, to attend school. she contacted XXXX from XXXX to obtain an auto insurance quote for a vehicle. Crucially, she never purchased or took possession of that vehicle.XXXX automated sales and underwriting systems erroneously linked her out-of-state quote inquiry to my active profile, generating an unauthorized binder policy under my name. This action directly violates fundamental insurance regulations : No Insurable Interest : Neither I nor my estranged wife ever owned, titled, or registered the vehicle in question. By law, an insurance policy can not exist on an asset where no insurable interest exists.Lack of Consent : I never signed a contract, authorized a binder, or consented to any policy outside of my primary vehicle.Existing Account in Good Standing : During this exact same timeframe, I maintained a valid, separate XXXX auto insurance policy for my primary XXXX XXXX XXXX Compass ( VIN : XXXX ). That legitimate policy was paid in full, and my account was always in good standing. I did not own, garage, or require insurance for any other XXXX generated a phantom balance across state lines on a non-existent vehicle, failed to obtain a signature, and subsequently sold this invalid debt to a third-party collection agency. This inaccurate reporting is causing severe damage to my credit profile and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) XXXX am fully prepared to provide my official XXXX XXXX XXXX and military housing documentation to verify my location during these years. I demand that XXXX immediately issue a Flat Cancellation ( Void from Inception ) on this fraudulent policy, reduce the balance to {$0.00}, and issue a formal Debt Recall to the collection agency to entirely delete this trade line from XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Hometap Equity Partners, LLC
State: NJ

Complaint narrative:
In XX/XX/XXXX I needed to have electrical work done on my home so I decided to work with hometap. The amount was about {$24000.00}. I was advise by XXXX XXXX I would have XXXX yrs to pay back, I could refinance my house to pay it back. In XXXX of XXXX I began the process of just that only to be told I couldnt do a refinance as XXXX put a lien on my property, how am I supposed to pay it back if no one will touch it. XXXX company Mortgage XXXX said they could help me as it wasnt going to be a problem I even advised them of the XXXX but insisted it would be a problem. They advised me not to make my mortgage payments as I would have a grace period before I would make any payments. After not being able to teach them for an update a few months later when I did teach them, I was told sorry we cant help you by this time my mortgage was a few months late. In a panic in XX/XX/XXXX I started working with XXXX XXXX team they told me they could help with my mortgage company as part of a refresh program advised me to not make any of my payments until I was advised to do so. Now XXXX receiving notices in the mail for foreclosure. I cant lose my home I was just following instructions as they experts are supposed to know more about this than me. XXXX so stressed.

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 2026-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I called the credit card company about my reward points because they were getting really high, and I could really utilize them for something useful. When I received the information, I decided to pay my balance down significantly with high payments for more point activity. Afterwards, I made a payment on XX/XX/XXXX for {$200.00}. Shortly after, on the next day, I received an email stating that my balance had dropped ( from {$750.00} to {$650.00} ). I immediately called them for answers and was told it was nothing they could do because of an automated system, so I called my banking company and cancelled the check because I needed the money for something important. I was charged a returned payment fee on XX/XX/XXXX of {$30.00} by the credit card company. I called the company again after making the minimum payment of {$30.00} on XX/XX/XXXX. I stated that I feel my credit line was dropped in order to discourage large payments and to calculate more points on my credit account. During this process, my late fees rose dramatically to {$41.00}, even with them knowing the fees started because of unfair practices that I believe may be even illegal. They could not produce a statement of my credit line being dropped before the payment was attempted. During this process, after several calls and no resolution. I called the complaint department today on XX/XX/year> and spoke with XXXX, ID # XXXX, at XXXXXXXX XXXX My minimum due is {$180.00} due on XX/XX/XXXX, with two late charges of {$41.00} and a returned check fee of {$30.00}. We agreed that {$110.00} of the fees were due to a fault that was not of my own, so she agreed to remove the late fees and, in the same line, stated that my bill will still be XXXX on XX/XX/XXXX. I stated that I feel the entire {$110.00} should be removed, and now she was trying to justify removing only one late fee because of the total balance. The bottom line is I feel the company sees that my account has accumulated a substantial amount of rewards points that already adds up to over {$500.00} towards a car. I do not care about the credit limit. I would like the {$110.00} fee removed and my balance updated to {$45.00} due on the XXXX because I paid {$45.00} today.

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