vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Dear CFPB Representative, I am submitting this follow-up regarding my complaint against Citi concerning Citi Reference Number # XXXX for disputed XXXX transactions totaling {$2000.00}. Citi denied my dispute by categorizing this matter as a routine money transfer/service issue. However, my complaint is specifically based on fraud/scam concerns. My concern is that Citi failed to properly investigate the fraudulent circumstances surrounding these transactions and instead relied primarily on merchant transaction classification. This dispute involves : - Scam/fraud activity - Merchant misrepresentation concerns- Failure to independently investigate fraud indicators - Lack of proper review under fraud protocols- Incomplete evaluation of consumer protection standards I do not believe Citi adequately addressed whether these transactions were connected to fraudulent or scam-related circumstances. Consumers should not lose fraud protections simply because the transactions occurred through a money transfer service. I respectfully request CFPB assistance to ensure Citi : - Reopens my dispute - Conducts a full fraud/scam investigation - Reviews all supporting documentation - Explains why fraud protocols were not properly applied - Provides proper regulatory compliance review This matter is not merely a merchant cancellation or standard service issue. It is a fraud/scam dispute requiring proper consumer protection review. Thank you for your assistance and oversight. Sincerely, 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 explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NC

Complaint narrative:
I just need a payment thats affordable in this economy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Ability Recovery Services, LLC
State: NC

Complaint narrative:
THIS DEBT IS CONSIDERED A CHARGE OFF. HOWEVER, THIS ACTUALLY CONSIDERED INCOME BECAUSE I SHOULD HAVE RECEIVED AN XXXX IN ORDER TO COUNT THIS AS INCOME. THIS IS NOT A CHARGE OFF. IM REQUESTIONG THAT THIS IS REMOVED BECAUSE IT IS NOT DEBT. THIS IS CONSIDERED INCOME AND INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT. ABILITY RECOVERY SERVICE * XXXX, ABILITY RECOVERY SERVICE- 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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing a complaint regarding a mortgage application with Wells Fargo that resulted in a charge for a credit report fee that I believe is not warranted due to errors and service failures during the process regarding WF loan application number ending in XXXX. During my application, Wells Fargo made an error in the spelling of the co-borrower 's last name when handling my personal information. This error was acknowledged in their written response. Despite this, Wells Fargo refused to refund the credit report fee. The accuracy and proper handling of personal data are critical in a mortgage and credit evaluation process. Because of this error, I lost confidence in Wells Fargos ability to correctly manage my personal and financial information. This concern, combined with an overall lack of service quality, led to my decision to cancel the application. Wells Fargo has stated that the credit was only pulled once and that the fee is non-refundable because services were rendered. However, I do not believe the service was properly or fully rendered given that : - The credit inquiry was associated with incorrect personal information - The error undermines the validity and reliability of the underwriting process - The situation reflects a breakdown in basic data accuracy and service standards While Wells Fargo refunded the appraisal fee, they refused to refund the {$170.00} credit report fee. Wells Fargo also did not acknowledge or address the potential negative impact of the credit inquiry on the co-borrower 's credit profile. This further contributed to my loss of confidence in their handling of my application and personal data.

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX XXXX Bank of America lowered my credit limit from XXXX to XXXX. The reason they lowered it was because of a late payment because there system had errors which caused my autopayment to not be processed. I call Bank of America in XXXX about this issue and they told me it was resolved. They have notes in their history about the call. My account should not have been late, which is what caused them to lower my limit. The account was made current immediately after i spoke with the representative. But the customer service representative said they can't return my limit back to normal because their system doesn't allow them too. So now my total utilization will be hurt because of Bank of Americas error. I've been a customer with Bank of America for XXXX years and have NEVER made a late payment.

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 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This company is allowed to garnish money WITHOUT proper documentation of any debt owed! I was garnished for an account that was NOT mine and they could NOT VERIFY it was mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: DC

Complaint narrative:
I am formally disputing the account reported by XXXX XXXX placed on XX/XX/XXXX in the original amount of {$900.00} on my credit report. This account is inaccurate and should be removed immediately. I applied for a few apartments at the XXXX XXXX in XX/XX/XXXX, but I never signed a lease agreement for unit # XXXX or took possession of the unit. The leasing agent informed me that my application fees would be refunded within 90 days because I was unable to move forward with the rental. Instead of receiving the promised refund, I later received a statement in XX/XX/XXXX listing move-out charges for a unit I never occupied. Since I never signed a lease and never moved into the property, I can not legally be responsible for any rental or move-out related charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am submitting this complaint regarding M & T Banks handling of my mortgage account and their Estate Services department.I have made multiple attempts to communicate with M & T Bank regarding my status as a successor in interest and to resolve ongoing servicing issues.Despite providing documentation to establish my relationship to the borrower, I have experienced repeated obstruction and lack of assistance.Most recently, I contacted M & T Banks Estate Services department and spoke with a representative named XXXX, During this interaction, XXXX did not provide any meaningful assistance regarding my account, she stated that I needed to communicate with the banks foreclosure attorney.since I didnt get the deed transferred into my name thats what she said.This response is concerning for several reasons M & T Bank , as the loan servicer, has a legal obligation to respond to borrower inquiries and Notices of Error under RESPA . Directing me to speak with their foreclosure attorney instead of addressing my concerns is an improper attempt to avoid servicing responsibilities.I have previously submitted written requests, including a Notice of Error, which have not been properly addressed, I am seeking recognition as a successor in interest, the bank continues to delay or deny proper acknowledgment without justification.The bank has created unnecessary barriers by insisting on a deed transfer, which is not required for communication and information access under federal servicing rules.Additionally, this pattern of behavior has caused confusion, delays, and emotional distress, as I am attempting to prevent potential foreclosure activity and obtained accurate information about the loan.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Meridian Financial Services, Inc.
State: KS

Complaint narrative:
I am filing a complaint regarding an improperly reported and collected debt related to XXXX XXXX XXXX. I entered into a contract with XXXX XXXX XXXX and later canceled the agreement. I have documentation confirming my cancellation. After my cancellation, XXXX XXXX XXXX sent written communication stating that in the event of early termination, they would determine not to seek collection of additional money from the loan owed. Despite this written representation, the account was subsequently placed with a collection agency and is now being reported on my credit report as a collection account. This creates a direct contradiction : - The original creditor indicated they would not pursue collection of the remaining balance - The account has been sent to collections and is being reported as an active debt I dispute this debt because : 1. The creditors own written communication indicates the balance would not be pursued 2. The debt is being reported despite this representation 3. The information being furnished to credit bureaus is therefore inaccurate and misleading I have attempted to resolve this directly by disputing the account with the collection agency and credit bureaus, but the issue remains unresolved. This situation raises concerns under : - The Fair Debt Collection Practices Act ( FDCPA ) for attempting to collect a potentially invalid or misleading debt - The Fair Credit Reporting Act ( FCRA ) for reporting inaccurate or unverifiable information I am requesting the following resolution : - Immediate deletion of the collection account from all credit reporting agencies- Cessation of all collection activity - Written confirmation that I have no further financial obligation related to this account I have attached supporting documentation, including : - Proof of cancellation - Written communication from XXXX XXXX XXXX stating they would not seek collection of the remaining balance I request a full investigation into this matter and prompt correction of my credit file. Sincerely, XXXX XXXX XXXX AND 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 explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
Vanderbilt mortgage over paid my mobile home taxes by {$1200.00}. My county refunded Vanderbilt on XX/XX/2025. My county does not have this money and Vanderbilt mortgage says they do not have this money. My mortgage is now going up {$180.00} because this money is just lost. I have been working XXXX weeks on this and have provided Vanderbilt prod from the county that this money was sent to them to no avail. I can not get a response from Vanderbilt other than they are working on it. This money has been missing XXXX months and now Im not going to be able to afford my mortgage!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: AL

Complaint narrative:
Sezzle was suppose to pay my power bill in XXXX but they paid my neighbors bill of {$220.00}. They mustve typed in the address wrong. Then they told me to go knock on my neighbors door to ask for the {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
Dear Sir/Maam I recently received a response to a disputed item. It is disheartening that Rent Debt Automated C can report unverified and unvalidated information to consumer credit reports and disregard requests for validation under the FDCPA. Due to this I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a full description of all methods used to verify this collection account that is being reported to your bureau. I am eager to learn how your investigators were able to validate and verify this account as accurate when the collection agency was unable to supply documents validating this account within 30 days as required by the FDCPA. I am requested a complete list of all documents and correspondence related to this account. Please include all names and contact information of employees that you spoke to as part of the investigation and validation of this account. The previous correspondence with the collection agency is attached in order to assist you in processing this request. ( If they didnt respond omit this line. ) Please do not respond and tell me this account has been verified because I have never received proof of how. It is my right under FCRA 15 U.S.C 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to supply me with verifiable proof of the below mentioned account ( s ) within 30 days of receiving this letter, you must remove these item ( s ) from my credit report. Please provide a copy of my updated credit report showing these item ( s ) deleted OR provide documents that follow XXXX XXXX compliancy to verify these account ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XXXX of XXXX, I received through the XXXX service a promotion offer through USAA Bank Credit Card services with a QR code offering 0 % interest for XXXX months on all balance transfers. Using the QR code I scanned it routing me to the USAA promotional website. On XX/XX/year>, I received my XXXX bill from USAA showing the balance transfer but instead of 0 % interest it is XXXX interest. As mentioned, I completed the balance transfer through the USAA promotional QR code process that indicated 0 % interest. At no point during the process was I clearly informed the promotion was expired or that a standard APR would apply right away. USAA has stated the disclosure was provided, but I was not clearly presented with the APR or informed that the promotional terms did not apply prior to completing the transaction. I proceeded under the reasonable belief that I was accepting a 0 % promotional offer. I attempted to resolve this directly with USAA on XX/XX/year>. This includes speaking to a member escalation team and was told nothing could be done. Furthermore concerning XXXX member rep said not only did she see the offer I was speaking of she also said she could see another 0 % offer that was available until XXXX. When speaking on the same day to another member rep I was told that complaints like this have happened before and USAA knows about this issue of the QR code still working but they put " things in place to cover themselves ''. This is very alarming, poor business practice, and unethical.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
on XX/XX/XXXX. I received a letter from the Treasurer of XXXX XXXX, XXXX, indicating delinquent property taxes despite having submitted payment through the XXXX XXXX XXXXXXXX XXXX, hand delivered inside the post office on XX/XX/XXXX. Further investigation at my bank, XXXX XXXX a division of Atlantic Union Bank ( AUB ), with Assistant Branch Manager, XXXX XXXX, revealed that check # XXXX cleared for {$3800.00} on XX/XX/XXXX. The check, originally made out to The Treasurer of XXXX XXXX ( TFC ), was deposited into the mobile account of an individual named XXXX XXXX. The check had been copied or white washed to remove the original name, however, my signature and account numbers were intact. I discovered significant discrepancies in the check that was processed, including differences in handwriting, misspellings of the written-out dollar amount, and the lack of many standard check security features and watermarks that should have been obvious to bank employees. In my XXXX years of banking with AUB, I had never written a check to the person with this name. It has been consistent through the XXXX years of banking at AUB that I wrote a check in the similar amount every XXXX to TFC. AUXXXX paper statements never included copies of the front and back of checks. I had no way of knowing by bank statement that the check was changed. After reviewing my agreement from XXXX years prior, it did not indicate anything about fraud or fraud reporting. I am not a bank employee nor do I know the banking industry. I placed my money in their care for safekeeping and ordered the appropriate security checks to protect my money. I promptly reported this matter to the XXXX XXXX Police, Officer XXXX, Case # XXXX. I gave a full report, filed an affidavit with a complete timeline to AUB, and notified the United States Postal Service and the FBIs IC3 Cyber Fraud Unit and XXXX FBI field office and Consumer Finance. In the XXXX months since reporting the fraud, I haven't heard anything from the bank whatsoever.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I am filing this formal complaint against InComm Financial Services regarding Ticket # XXXX. Despite providing undeniable evidence of fraud, my claim was unjustly denied without a specific explanation. 1. Physical Impossibility : On XX/XX/year>, at XXXX XXXX, XXXX unauthorized transactions were made at different XXXX locations ( Store # XXXX, # XXXX, # XXXX ) within the exact same minute. It is physically impossible for a cardholder to be at multiple locations and process XXXX transactions simultaneously. This is a clear indicator of a bot-driven security breach. 2. Administrative Failure : During the dispute process, InComm repeatedly sent me documents with incorrect personal information ( wrong name and address ). I had to manually correct, sign, and mail the documents. Although InComm confirmed receipt of these documents on XX/XX/XXXX and XXXX, they issued a denial on XX/XX/XXXX without addressing the simultaneous transaction pattern. 3. Lack of Response : I sent a formal appeal letter requesting a reconsideration and specific evidence for their denial on XX/XX/year>. As of XX/XX/XXXX, I have received no response. Desired Resolution : I request a full reinvestigation of this case and a total refund of {$680.00} for the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Zip Co US Inc.
State: TX

Complaint narrative:
I used Zip to pay for a purchase from XXXX for my daughters birthday, but I never received my order, even though it was marked as delivered. I immediately contacted XXXX to report the issue, but they were unable to provide proof of delivery and ultimately refused to assist. I then reported the issue to Zip, who initially requested supporting documentation and indicated they would investigate, but later denied my claim and stated they could not help. I am seeking a resolution for merchandise not received.

Company response to consumer: Closed with explanation