vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I have fraudulent XXXX activity on my account. The fraudster name on XXXX is XXXX XXXX XXXX of Wells Fargo Bank. They deposited {$1.00} into my XXXX account on XX/XX/year> at XXXX to get my identity. The Trace Number is XXXX, XXXX XXXX XXXXXXXX, Confirmation Number XXXX. This Wells Fargo Bank account needs to be deleted or neutralized, and the fraudster XXXX XXXX XXXX needs to charged with wire fraud and bank fraud. The fraudster name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Hello I am XXXX XXXX and I should have 1 account under XXXX. I believe I was treated unfair due to I have a XXXX and someone hacked my account and took advantage of me and used my PayPal account without my permission. I want my account activated. I did nothing wrong. People take advantage of me. This the second time I am telling you this. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a XXXX XXXX credit card issued by XXXX XXXX XXXX and used a promotional financing offer that I reasonably understood to be a XXXX XXXX interest promotion. The deferred interest terms, including that interest would be retroactively applied to the full purchase balance if not paid in full by the promotions expiration date, were not clearly disclosed at the point of sale. When the promotional period ended, the bank applied {$1300.00} in retroactive deferred interest dating back to the original purchase date. I have since fully repaid the principal of {$370.00} on XX/XX/year>, and have made XXXX additional payments of {$150.00} each ( {$300.00} total ) toward the interest balance. Despite these payments, the remaining balance consists solely of retroactive interest charges. I contacted customer service, but they refused to remove the charges. Additionally, I am concerned that the deferred interest terms may not have been adequately disclosed in accordance with federal consumer credit disclosure standards. I respectfully request that the company review this matter and provide a one-time XXXX adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
This account was a personal loan ; my vehicle was used as collateral. Company placed - limited dual insurance collateral protection in the event of a loss of collateral to cover loan amount. I was charged monthly for this credit place insurance. The credit place insurance policy covered the loan outstanding balance in the event of a loss, and I was not at fault. A loss occurred I was not at fault. Onemain was paid through XXXX from the at-fault driver. The company OneMAIN refused to file a claim for the remainder of loan balance and did not report the loss to the insurance company under the credit place insurance even though I was covered. This company has demonstrated fraud and bad business practices. I was being charged fees for services I did not receive. Due to the fraud all information currently reflective on my credit report is inaccurate and should be removed immediately. I have filed a police report and intend to pursue this matter legally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX on my credit report. Collection Agency : Professional Debt Mediation Original Creditor : XXXX XXXX XXXX ( formerly Treasure ) Account Number : ending in XXXX Amount : {$300.00} I believe this account is inaccurate and has not been properly validated. I have not received documentation proving that I owe this debt. The collector has not provided a copy of the original lease agreement, a signed contract, or an itemized statement showing how the balance of {$300.00} was calculated. Additionally, important information appears to be missing from the reporting, including the last payment date. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and verifiable. Because the debt has not been properly validated and the reporting appears incomplete, I dispute this account and request that the company provide proper documentation verifying the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Comerica
State: NV

Complaint narrative:
Ok Here is what happened. My wallet was stolen. All my credentials gone. I called Direct Express to send me a replacement card, which they did. Then i called to get it activated. They told me i first have to send a picture of my ID which I did. It was a colored copy of my ID which the copy filled 8x11 page, so you could see everything on it. They said that wasn't good enough and they won't be releasing my funds ( my pension money of {$1800.00} ). So now I am about ready to lose my home, i have had barely no food to eat. I have had a XXXX and i got XXXX XXXX XXXX. I need my money to survive. This is the money my husband worked for. What gives them the right to keep it. They don't. Please help me. And another thing i would like to add please. Direct Express has had lawsuits filed in the past about them. They should shut this company down instead of them thinking they can act like Gods with our money. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Webcollex, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for furnishing inaccurate, incomplete, and unverifiable information on my consumer credit reports in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX is reporting a collection account that allegedly originated from XXXX. However, after reviewing my credit reports and account history, I have identified multiple serious issues that demonstrate this account is not being reported accurately or lawfully.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: NE

Complaint narrative:
Re : Formal Complaint against Rocket Mortgage , LLC ( formerly Quicken Loans ) Property Address : XXXX XXXX, XXXX XXXX XXXX XXXX Original Loan Number : XXXX Approximate Date of Payoff : XX/XX/year> refinanced Description of Issue : I am writing to formally complain about Rocket Mortgage , LLC for their failure to release a lien on my property after the mortgage was paid in full approximately 13 years ago. In 2013, I refinanced my mortgage with Rocket Mortgage , LLC ( formerly Quicken Loans ). As part of that transaction, the previous mortgage held by Quicken Loans ( now Rocket Mortgage ) was paid in full. However, Rocket Mortgage failed to file a Satisfaction of Mortgage or Release of Lien with the XXXX XXXX XXXX of Deeds as required by law. I have attempted to resolve this directly with Rocket Mortgage multiple times, but due to the age of the loan, their standard customer service has been unable or unwilling to locate the records necessary to execute the release. This unreleased lien is a cloud on my property title and prevents me from exercising my full ownership rights. Desired Resolution : I request that the CFPB compel Rocket Mortgage to : 1. Locate the record of the paid-in-full mortgage from XXXX. XXXX. Immediately execute and file a Release of Lien/Satisfaction of Mortgage with the XXXX XXXX XXXX XXXX XXXX. XXXX. Provide me with a recorded copy of this release for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I sent {$2700.00} through Cash App for the purchase of a vehicle. After sending the payment, the seller became aggressive and threatened me, forcing me to leave without receiving the vehicle. I immediately reported the fraud to Cash App and filed a police report with the XXXX XXXX Police Department. Cash App denied my dispute stating the payment was voluntary, but this was a fraudulent transaction for goods never received. I am requesting that Cash App reopen the investigation and assist in recovering the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: NV

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Request to Cancel and Re-Issue Check # XXXX Dear Sir or Madam, My name is XXXX XXXX XXXX XXXX. I received a check on XX/XX/XXXX, with the following details : Check Number : XXXX Amount : {$6500.00} Check Date : XX/XX/XXXX When I presented the check at the bank to collect the funds, I was informed that the check could not be processed because it had already been marked as collected. I have spoken with four different departments regarding this issue. During these conversations, I was informed that the account ending in XXXX was closed in XX/XX/XXXX, and the representatives stated that they do not know where this check originated from. Because of this, no one has been able to locate the check under my account or provide a clear explanation. I have attached images of the check for your review. I respectfully request that you investigate this matter, cancel the original check, and re-issue a new check for the amount of {$6500.00}. Please provide a clear update on the status of this request as soon as possible. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am a U.S. Department of Defense employee pursuing Public Service Loan Forgiveness ( PSLF ) with XXXX qualifying payments out of XXXX required. I have been continuously employed full-time in a qualifying PSLF position since XX/XX/XXXX. In XX/XX/XXXX, my account was placed into Administrative Forbearance by MOHELA after I applied for the SAVE repayment plan. I was not clearly informed that this forbearance would freeze my PSLF qualifying payment clock. As a result, I lost approximately 13 months of PSLF progress ( XX/XX/XXXX through XX/XX/XXXX ). Specific problems : 1. MOHELA placed my account in forbearance without adequate notice that this would stop my PSLF qualifying payments. I continued making payments of $ XXXX during this period but none counted toward PSLF. 2. My FSA payment history shows XXXX Eligible Payments but only XXXX Qualifying Payments - an XXXX gap. Despite submitting DoD employment certifications, MOHELA has not resolved this gap. 3. I can not reach MOHELA by phone. Wait times are excessive and calls go unanswered. This is my only recourse as secure messages take days to receive generic responses. 4. I submitted an IBR application on XX/XX/XXXX to end the forbearance as directed by MOHELA, but have received no confirmation of processing or a timeline. 5. MOHELA directed me to FSA for PSLF questions but FSA directed me back to MOHELA, leaving me without resolution on critical issues including PSLF Buyback eligibility ( FSA Case # XXXX ) and PSLF Reconsideration ( FSA Case # XXXX ). I have been a dedicated public servant for nearly 10 years and am very close to PSLF forgiveness. MOHELA 's servicing failures have cost me over a year of qualifying payments through no fault of my own.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was approved for a Citibank credit card on XX/XX/year>, with a credit limit of {$9400.00}. The card was not received until XX/XX/year> XXXX calendar days after approval and substantially slower than industry standard across the more than ten credit card issuers I have used. This delay alone prevented me from utilizing the balance transfer promotion that was a primary reason for my application. The delay was significant enough that on XX/XX/XXXX, I made a dedicated round-trip drive from XXXX to XXXX specifically in part to retrieve the card. Upon activation, I attempted routine account setup including adding the card to my digital wallet. This immediately triggered a fraud alert, locking my account and rendering the card completely unusable. I contacted Citibank 's XXXX department the same day. The representative 's only available method of identity verification was an SMS text message. I provided three separate mobile phone numbers one held continuously for over 20 years, one tied to my current device, and one a corporate cell phone issued by my employer. Citibank 's system was unable to send a verification text to any of the three numbers. This was not a failure on my end to receive texts it was a failure of Citibank 's own outbound system to transmit them. No alternative verification method was offered : no email verification, no knowledge-based authentication, no government ID option, no in-person branch verification, and no digital identification process. Because its sole method failed three times, Citibank informed me I would need to wait an additional XXXX business days for a code to arrive by mail. This morning days after the fraud alert was placed Citibank sent me two emails prompting me to set up my account as if no issue existed, suggesting a significant lack of coordination within their own systems. The result is that I have been unable to use a credit card I was approved for nearly a month ago, while a hard inquiry from Citibank has been permanently placed on my credit report with no benefit received in return. I have an exceptional repayment history across more than ten accounts including XXXX XXXX and XXXX. Any historical blemishes in my record stem from documented economic hardship and personal circumstances outside my control not financial irresponsibility.

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 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Ive asked company for written receipts showing proof of payment and where it will be removed from my credit but I have yet to receive anything. Ive waited the timeframe for processing and I keep getting the run around. Ive asked to speak with supervisor and managers and they play games going back and forth.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
credit card account opened without my knowledge and used to make purchases

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief