vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NEW YORK COMMUNITY BANCORP INC
State: MI

Complaint narrative:
b'I opened my XXXX account for my company back in XXXX. I approved two employees to be signers. Those two employees later became signers for another company as well, and moved money back-and-forth between the two companies. Sometimes it was fine, sometimes it definitely was not. \n\nIn the last few years, I was removed from my account by a signer that made himself an admin via XXXX corporate connect portal. I have been unable to access my account for the past couple years. It was not an issue when the companies were working well together, and I trusted those employees, but the admin has since left, and Im still unable to get into my account. I was unable to resolve the issue over the phone with XXXX, so I walked into the branch in XXXX on XXXX, looking to obtain access to my account, temporarily freeze it, and remove all other users/signers. While I was sitting at the branch (for 2 1/2 hours), watching the banker on hold, my account was logged into and drained by one of the users I was attempting to remove. \n\nWhen I flagged the transfer as fraud, XXXX opened an investigation. The very first step in their investigation was to call the signer that I was trying to remove to ask her if it was OK to take this money, which, of course she said yes! They also decided to have conversations with the company that took the money and then informed me that it was not fraud. This is Lunacy - its literally asking a thief if they were allowed to take the money, as opposed to discussing it with the person that was robbed.\n\nIt was very much fraud. I opened the account. I was the one sitting in the branch, and I was the one telling the banker to freeze the account because no activity was authorized. For some reason, XXXX has decided that the signers on my account are more important than the owner of the account. It has been three weeks. I still do not have access to my account and Im confident that it is still empty. I had a call with XXXX last Monday and they promised that they would follow up with me by last Wednesday, and I have not heard anything. \n\nI am very concerned by the fraudulent activity and enablement of theft and embezzlement by XXXX. They essentially enabled these employees to steal hundreds of thousands of dollars within the last year, and millions within the last few years by transferring it to another company through their corporate connect portal. This is beyond unacceptable and requires your attention.'

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
I would like to reopen my complaint with Mohela as they continue to refuse to fix the situation. They sent me to default even though I have had no way of paying them. They changed their site, and no matter how many times I have tried in the past to reach them, they are virtually impossible to find. They have said they sent me emails, called me, and sent me mail... they have not. I have been checking my email and have gotten nothing from them. I have called them, no one from Mohela has ever called me, and they have not sent me any mail. It took the point that I have reached out to them multiple times on their own site, and they have told me they replied ; however, they are not even able to notice that they did not send me anything on their own site ... From my research, I found that under the FCRA ( 15 U.S.C. 1681s-2 ), Mohela must investigate disputes properly and correct and or delete any information that is Inaccurate, Incomplete, or misleading. From our conversations, I have already proven that the phone calls and emails Mohela alleges are inaccurate. Mohela continues to share incomplete information because I have not received anything new past the restated information, add to that, that in the Mohela site which I was finally able to signin, they are not able to notice that they

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: MA

Complaint narrative:
I am filing a complaint regarding a debt collection attempt that I believe is inaccurate and may involve the wrong individual. On XX/XX/year>, I received an email from a debt collector attempting to collect on a debt that I do not recognize. The information associated with this alleged debtincluding the name and addressdoes not match my correct personal information, which raises serious concerns that I am being contacted in error. I promptly disputed the debt and requested full validation under the Fair Debt Collection Practices Act ( FDCPA ), including documentation of the original creditor, account history, and proof that I am legally responsible for the debt. As of now, I have not received sufficient validation. Additionally, I requested that all communication be conducted in writing only and that phone contact cease. Despite this, I am concerned about potential continued collection efforts without proper verification. This situation is distressing and reflects either inaccurate recordkeeping or improper debt collection practices.

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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXXreceived a call from Wells Fargo at XXXX-call from XXXX-received a XXXX from XXXX - again another XXXX cal from fraud specialist XXXX- call from XXXX call again from XXXX XXXXnMy account was hacked and money was sent via XXXX to a XXXX XXXX XXXX XXXX\nI never authorized or made this transaction \nThey transferred $XXXX out of my 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 — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT Request for Investigation and Removal of Inaccurate Credit Reporting Date : XX/XX/XXXX Consumer Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Email : XXXX SSN : XXXX XXXX XXXXXXXX XXXX XXXX Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Complaint Type Incorrect information on credit report Attempt to collect debt not owed Failure to validate debt Account Information Being Disputed Creditor : Jefferson Capital LLC Balance : {$2000.00} Status : Collection Account Opened : XX/XX/XXXX Original Creditor : Not Reported Complaint Details I am filing this complaint regarding inaccurate and unverified information being reported on my credit report by Jefferson Capital LLC. I have no knowledge of this account, and the information being reported is incomplete and unverifiable, including the absence of a valid original creditor and full account details. Despite this, the account continues to be reported as a collection, which is damaging my credit profile. Legal Violations This reporting appears to violate the following laws : Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681e ( b ) ) Failure to ensure maximum possible accuracy FCRA XXXX U.S.C. XXXX Failure to conduct a reasonable investigation Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ) Failure to provide proper validation of the alleged debt XXXX U.S.C. XXXX False or misleading representation of a debt Requested Resolution I am requesting the following actions : Immediate investigation of this account Full validation of the alleged debt Immediate deletion of this account if proper validation can not be provided Written confirmation of the outcome Additional Statement The account is currently marked as consumer disputes this account, yet it remains on my report without proper verification. If this account can not be validated with legally sufficient documentation, it must be removed immediately. Notice of Intent If this matter is not resolved promptly, I will pursue further action including : Additional complaints to federal and state regulatory agencies Legal action for violations of federal consumer protection laws Signature : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have asked NewRez to change the mortgage loan into my name since XX/XX/XXXX. My grandmother passed away and I am on the deed as joint tenant with the right of survivorship. I was also her personal representative for her estate. Paperwork was submitted XXXX times since XXXX. No one will give me any updates. No assumption personnel or agent has reached out to complete the process. It is now XX/XX/XXXX. I have made payments on time every month.

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: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello. My name is XXXX XXXX. I tried to make a transaction to a gambling website the date of XX/XX/year>. My account was swiftly locked and I was informed by a customer service representative that I would not even be able to visit a branch in real life to withdraw so much as a dollar, even should I provide ID. Citibank is currently withholding 100 % of my liquid assets ( {$2000.00} ) without providing a specific regulatory reason or a clear timeline for release. This action has created an immediate and severe financial hardship, as I am a XXXX XXXX ( XXXX XXXX ) and can not afford transportation or basic necessities like food and rent. I was told by a representative on XX/XX/year> that they would verify my identity over the phone. Despite doing this, and despite my affirmation that I made these transactions, they are locking every penny of my own money for up to 48 hours. They also told me that the review team is 'unreachable. ' This constitutes deceptive communication and a failure to provide basic customer service access to my own property. It is highly likely the bank will terminate their relationship with me and my money will be tied up for several weeks in bureaucratic proceedings as well. This is the kind of behavior with customers that makes them celebrate XXXX XXXX. The transaction that triggered this hold was a legal deposit to a licensed merchant. Citibank has failed to provide any evidence of fraud or suspicious activity that justifies a total freeze of my entire balance. They are effectively seizing my private property without due process. I demand the immediate release of my full balance or a notarized explanation from their XXXX department as to why these funds are being held. I also request a refund of any fees incurred due to this lock and an investigation into their 'back-office ' communication protocols which block customers from resolving issues.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I remember like it was yesterday. I went to Wells Fargo Bank seeking a personal or car loan. I was denied. I was told not approved. Now over10 years later, I applied for a credit card, got denied. This year I learned of Wells Fargo affiliate with XXXX XXXX XXXX. Old banking and checking system history XXXX plus years, XXXX XXXX XXXX XXXX promotion of services and products to XXXX Americans like myself are evident. I have seen with my own eyes how engaging the Loan Offices are with XXXX. Extra friendly, educating and building relationships but never with me. Its sad that I have to go to non-traditional banks for personal loans and capped with interest rates with XXXX digits.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited my settlement they asked for verification I provided every document and verification including walking in with several forms of ID and still there holding XXXX cash XXXX for no reasons it's a settlement check from state of California please help me get my funds from the US bank because they are acting like XXXX I lost so much because of there actions 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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing a debt of {$6700.00} ( Account # XXXX ) being collected by National Credit Systems on behalf of XXXX at XXXX. I am not legally or financially responsible for this debt. I was an occupant, and the property managements own written records labeled me an 'unauthorized occupant. ' I never signed a master lease or financial agreement. The property ledger explicitly names XXXX XXXX as the sole responsible party. Furthermore, I have a notarized affidavit from the primary leaseholder affirming I had no written lease and paid no rent. National Credit Systems is attempting to collect a debt that is not mine, in violation of the FDCPA and NCGS 75-1.1, and has restricted my portal access to withhold financial evidence from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened a new Capital One account in early XXXX and deposited a payroll check on XX/XX/XXXX for {$6300.00}. Shortly after, my account was closed without reason and funds were frozen without explanation. The check also was deposited and showed up in the now closed account. Capital One has not provided a clear reason or meaningful assistance in resolving this matter. They also gave me inconsistent information advising me the check would be returned and other seeing the check is not being returned. Capital One advised me to ask why employer to reissue a new check, which my employer can not do as it has already cleared by my employers bank. I visited a capital one branch and provided my work ID, drivers license, and supporting documentation. My employer provided official documentation confirming the check cleared from their bank, including matching routing/account numbers, correct payee name, and date. Despite multiple verifications of legitimacy, I have not been given a clear explanation for the fraud determination or any resolution as of yet. Capital One has not released my funds or taken responsibility and has not provided details or access to the investigator. I was told the matter is under review ( 30 days starting XX/XX/XXXX ), causing nearly a month of financial hardship and possibly an additional month now as it being under another review. I request immediate clarification and release of funds as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have a debt in collections reflecting on all three of my credit bureau reports from LVNV Funding LLC and have requested from all three credit reporting agencies for validation of debt with response from only XXXX that debt has been validated but with no proof of validation of debt. I also sent correspondence to LVNV directly and no response at all received. The report of this account is completely inaccurate and must be removed without requested validation of debt. I have never had any agreement with this company, written or verbal.

Company response to consumer: Closed with explanation
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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BTH Management
State: TN

Complaint narrative:
I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this account and request that you provide proper validation of the debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt Documentation showing I am legally obligated to pay this debt A complete payment history, including how the amount was calculated Proof that your company is authorized to collect on this debt ( including assignment or purchase agreement ) Until this information is provided, I request that you cease all collection activity and reporting to credit bureaus. If you are unable to provide proper validation, I request that this account be removed from my credit report immediately.

Company response to consumer: Closed with explanation