vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
XXXX XXXX I contacted my Wells Fargo ( WF ) Home Mortgage " Mortgage Banker '' for a loan to buy a specific condo in my state. Since XX/XX/XXXX, XXXX XXXX ( redacted ) had been my WF " Mortgage Banker. '' I told him from the beginning that the condo was Deed Restricted Affordable Housing, and he said this was no problem, that WF approves these loans all the time, and the address would be checked for eligibility. He even emailed that my 1st time Buyer + Union membership qualified me for a closing credit and the XXXX XXXX program -- I have this and all pertinent email correspondences, and there were MANY during the colossal waste of time caused by WF 's negligence. The application proceeded. I received a pre-qualification letter from WF, and paid WF the {$75.00} mortgage fee, the credit report fee ( later refunded ), and to a local inspector, {$300.00} for a condo inspection. I was in Attorney Review with a XXXX closing date. I even had a commitment fee quote, which WF debated as late as XX/XX/XXXX ( see attached ). Despite requesting a loan amount a fraction of what I was qualified for -- and meeting/exceeding qualifications in terms of salary and credit, etc. -- just days before closing, my WF Mortgage Banker said that Underwriting " turned down '' my application " because the property had deed restrictions! '' I asked how this was possible with the assurances, a pre-qualification, and THREE MONTHS for WF to flag the application for this reason. WF fraudulently accepted my {$75.00} mortgage fee and is responsible for the {$300.00} I wasted on an inspection when they knew the address of the deed-restricted property, then turned me down for the mortgage months later -- close to closing -- claiming refusal due to 'deed restriction, ' which WF neglected to detect MONTHS earlier. I got the runaround, and filed a complaint with WF. When the WF Executive Office Case Specialist finally called me, I could barely understand her thick accent, and she was completely apathetic and unhelpful ; she may have been named XXXX XXXX ' or the same representative XXXX XXXX XXXX  who sent me a form letter dated XX/XX/XXXX defending the high commitment fee, but giving no real answers. ( This letter evidences the breach of trust committed by WF, nothing in it suggested that I was about to have the mortgage I applied for 3 months earlier rejected! ) I was told there was nothing she could do. She acted like WF did me a favor refunding the credit check fee, but WF was keeping my {$75.00} and I was out the {$300.00} inspection fee. This is negligent consumer fraud and resulted in the purchase contract being cancelled ; I was unable to buy the property.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: HI

Complaint narrative:
They are saying I owe a debt that Im unaware of and requesting information about it by mail and contact by mail only

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Back in XXXX the XXXX  found XXXX XXXX XXXX XXXXat has not been named yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am on a strict payment plan with these people and I have asked them to do a medical hardship case review because I only have XXXX payments left. They are refusing to give me any information they stated they do not have a XXXX XXXX  case review and the fact that I'm on a strict payment plan they have already threatened to repossess the car if I miss XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
XXXX XXXX : XXXX XXXX XXXX, XXXX. 
Our Reference Number : XXXX Original Creditor Account Number : XXXX Current Creditor To Whom Debt Is Owed : XXXX XXXX XXXX To Whom It May Concern, This letter serves as formal notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 
I hereby demand that you Cease or Desist any and all communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties, regarding the above-reference account. 
You are instructed to communicate with me only to confirm in writing that you have complied with this request, or to notify me of any specific legal action you intend to take, as permitted by law. 
Any further contact from your company that does not comply with this request will be documented and may constitute a violation of federal law. 
This notice is not an acknowledgment of liability nor an admission of any debt. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Hello there, Im writing regarding a XX/XX/XXXX Gift Card issued on 2018 for {$250.00}. I was not aware of a recurring monthly maintenance fee of {$4.00}, and there was no agreement presented to me at purchase. I recently attempted to use the card and found the balance to be {$0.00}. 

If needed, I can provide the card number, activation details, and copies of the original terms I used at purchase. I would appreciate a resolution or a supervisor contact within XX/XX/XXXX days. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CA

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
FORMAL DEMAND FOR CORRECTIVE ACTION & FEE REIMBURSEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI Date : XX/XX/XXXX To : XX/XX/XXXX XXXX XXXX XXXX Department XXXX : XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Sir or Madam, This letter serves as a formal notice and demand for corrective action arising from improper post-payment repossession handling and negligent treatment of my personal and business property by agents acting on behalf of XX/XX/XXXX 
Timeline of Events XX/XX/XXXX at XXXX XX/XX/XXXX ( EST ) Loan payment made via XXXX XXXX XX/XX/XXXX ( EST ) I contacted XX/XX/XXXXregarding payment and the status of the repossession XX/XX/XXXX ( morning, EST ) I contacted XX/XX/XXXXXXXX XXXX seeking the location of my vehicle and was told they did not know where the vehicle was, that they would not know until later in the day, and that I should call back after XXXXXX/XX/XXXX. The call was terminated before assistance was provided. 
XX/XX/XXXX at approximately XXXX XX/XX/XXXX ( EST ) I contacted the third-party repossession management company associated with this matter and advised them that XX/XX/XXXXXXXX could not locate my vehicle. My representative, XXXX, stated that this issue was escalated to the management team. 
XX/XX/XXXX at XXXXXX/XX/XXXX ( EST ) XX/XX/XXXX released repossession paperwork XX/XX/XXXX at XXXX XX/XX/XXXX ( EST ) I contacted XX/XX/XXXXXXXX XXXX and scheduled a XXXXXX/XX/XXXX vehicle pickup XX/XX/XXXX at XXXX XX/XX/XXXX ( EST ) Upon arrival, I discovered my vehicle had been cleared out and my personal property mishandled despite notice and release At the time my vehicle and belongings were disturbed, the loan had been paid, the repossession had been released, and XX/XX/XXXXXXXX XXXX had actual notice of my scheduled retrieval. 
Improper Handling & Negligence My personal and business property was placed into trash bags without inventory or reasonable care. Fragile items were commingled with heavy industrial objects. Clean clothing was placed with dirty footwear. Keys were separated from my keychain and the key fob removed. Additionally, water-filled industrial hoses normally stored in the bed of my XXXX XXXX were placed on the back seat. These hoses are extremely heavy and were placed into a trash bag that I am physically unable to lift. This created contamination, damage risk, and an unnecessary physical burden that should not have existed. I have photographs and video recordings documenting the condition of my vehicle and the handling of my property. 
XX/XX/XXXXXXXX XXXX was acting as an agent of XX/XX/XXXX through a third-party repossession management contractor.XX/XX/XXXX remains responsible for the actions of its agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
Cashapp closed my account for no reason and they wont release my money to me to withdraw it to XXXX. I do not have a bank account to let them withdraw too.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: CA

Complaint narrative:
VANCE amp HUFFMAN LLC is falsely reporting on my credit. I have never had any accounts with them. Per my research VANCE amp HUFFMAN LLC 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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: MN

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 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: VA

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 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/year> I received a letter from Paypal stating the following : " We're no longer offering PayPal services for this account... Your account has been permanently deactivated..... Before you can withdraw or transfer any remaining funds from your account, we need to hold them for up to XXXX  days to cover any financial liabilities. Well review the account and email you when funds are available. '' I have called their customer care XXXX  times to try to get an explanation and to try to appeal and none of the customer service reps could give me any insight or any info to appeal. Each said it was probably nothing with my account but a risk they may have detected from an account that sent a payment. How can I be responsible for an account that sends a payment? 

I have been a good customer for over XXXX  years and they have indicated this in their XX/XX/year> email where they state the following : " Your amount of instantly available money just increased. Good news! We noticed that XXXX maintained a consistent sales history and developed great relationships with your customers. That's why were giving you instant access to {$59000.00} XXXX  in sales per month, up from {$27000.00} XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding Capital Ones handling of a billing dispute for defective merchandise. 

On XX/XX/, 2025, I made a purchase in the amount of {$330.00}. After receiving the item, I discovered a manufacturing defect that made the item not usable and not as described. 

I contacted the merchant, but they refused assistance citing a final sale policy. I then filed a billing dispute with Capital One. Capital One accepted the dispute and issued a temporary credit, which was later reversed. 

After I submitted documentation, Capital One reopened the dispute ( case number XXXX ), but then closed it again without providing a meaningful opportunity to respond or submit additional evidence. 

Capital One relied on procedural timing rather than evaluating the defective nature of the merchandise. I also attempted to escalate the matter to Capital Ones XX/XX/XXXX Office, but received no response. 

I believe Capital One handled my dispute carelessly and unfairly, failed to follow proper dispute resolution procedures, and did not provide adequate consumer protection for defective goods. I am requesting CFPB assistance to review this matter and restore the disputed credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
RE : Unauthorized Account Takeover & Regulation E Violation ( Case Date : XX/XX/year> ) On XX/XX/year>, my PayPal account was the victim of an Account Takeover ( ATO ). An unauthorized third party gained access to my wallet and drained my funds. 

The Evidence of Fraud ( Ignored by PayPal ) : Name Mismatch ( Critical ) : The attacker linked an external funding source to verify the account. A micro-deposit of {$0.00} was received from a sender named " XXXX XXXX. '' This name has absolutely no association with me or my legal identity. 

Fraudulent Instrument : Immediately following this verification, a XXXX XXXX Debit Card ( which I do not own ) was added to my wallet. 

The Theft : My account balance was immediately drained via " Instant Transfer '' to this fraudulent Chime card. 

PayPals Failure to Investigate : I reported this unauthorized activity immediately. PayPals automated dispute resolution system instantly closed my case, claiming the transaction was " consistent with my history. '' This is factually impossible, as I have never associated with a " XXXX XXXX '' nor held a XXXX account. 
When I contacted telephone support to report the " XXXX XXXX '' name mismatch and the fraudulent card, the representative refused to reopen the investigation or manually review the destination of the funds, citing the automated system 's decision as final. 

Resolution Requested : This transaction was unauthorized. Under the Electronic Fund Transfer Act ( Regulation E ), I am not liable for unauthorized transfers reported within XXXX  days. PayPal failed to conduct a reasonable investigation by ignoring the clear name mismatch on the linked funding source. I request PayPal reopen the claim, acknowledge the " XXXX XXXX '' indicator, and refund the stolen funds in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation