vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one has been blatantly repeated calls to my business partner who isnt the authorized manager on the account as I am the account manager and this is egregious reporting as business accounts cant be reported to consumer profiles as this is a violation of FCRA FDCPA TILA and Consumer bill of rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: WA

Complaint narrative:
I disputed a {$6000.00} charge from an HVAC contractor on XX/XX/XXXX for incomplete and unsafe work. The contract was signed on XX/XX/XXXX, and installation occurred on XX/XX/XXXX. The contractor failed to complete the job, did not pull the required electrical permit, and the XXXXXXXX XXXX XXXXXXXX failed the mechanical inspection on XX/XX/XXXX. I followed up multiple times between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I hired a licensed electrical contractor to correct the unsafe work. I am now working with a licensed mechanical contractor to address any remaining issues and finalize the permit process. I submitted all documentation to Capital One, but they repeatedly denied my dispute with generic responses and refused to explain what was missing. I am seeking a fair review and reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I contacted Wells Fargo to request removal of overdraft services from my checking account. During a subsequent call with Wells Fargo, a representative confirmed to me verbally that overdraft fees had been turned off on my account. Despite this, I was charged {$240.00} in overdraft fees across XXXX transactions between XX/XX/XXXX and XX/XX/XXXX. I was then charged an additional {$100.00} in overdraft fees in XX/XX/XXXX a total of {$350.00}. My Wells Fargo statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX all explicitly state : " This account is not currently covered by Overdraft Protection. '' This language appears consistently across four consecutive statements spanning XXXX months. Critically, my XX/XX/XXXX statement shows the account went negative multiple times including to - {$22.00} on XX/XX/XXXX and- {$140.00} on XX/XX/XXXX with no overdraft fees charged either time. This demonstrates that Wells Fargo 's own systems were not assessing fees on this account in XXXX. Yet beginning in XX/XX/XXXX, {$240.00} in overdraft fees appeared, followed by {$100.00} more in XXXX all while the statements continued to show no active overdraft protection. I filed a formal complaint with Wells Fargo ( XXXX XXXX. XXXX ). They closed the case, claiming their review of XX/XX/XXXX call recordings found no evidence of my removal request while simultaneously refusing to provide me those recordings, citing internal policy. This leaves me unable to independently verify or contest their conclusion. Additionally, the XX/XX/XXXX statement shows year-to-date overdraft fees of only {$100.00}, which is inconsistent with the {$240.00} assessed in XXXX, raising further questions about the accuracy of Wells Fargo 's recordkeeping XXXX I am requesting a full refund of {$350.00} in overdraft fees charged while my account statements reflect no active overdraft protection, and written confirmation of the current overdraft status on 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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
In XX/XX/year>, I met with a Bank of America financial advisor, XXXX XXXX, at the XXXX XXXX XXXX XXXX in XXXX, Missouri. He advised me to open a credit card and bank account as part of establishing a broader banking relationship in connection with setting up an investment account. The accounts were initially approved, and branch staff assisted me in setting up autopay from the Bank of America checking account to the credit card. Shortly after opening, Bank of America closed the associated accounts. As a result, I lost access to the credit card account, including the online portal, and the linked autopay was canceled. Because I no longer had access to the account or normal payment channels, I was unable to make payment on the balance, despite fully intending to do so. This was not due to neglect, but due to loss of access caused by the banks actions. I did not receive or have access to account statements during this time, and I still do not have access to them. I made repeated good faith attempts over several months to resolve this directly with Bank of America. I worked with XXXX XXXX, who attempted to escalate the issue through local branch management multiple times without receiving a response. The matter was then escalated to executive leadership. XXXX XXXX, XXXX of Bank of America XXXX XXXX, acknowledged the issue and connected me with a market leader, XXXX XXXX. Despite multiple conversations, the core issue regarding loss of account access was not meaningfully addressed. The final decision relied on a claim that statements were mailed, which does not resolve the fact that I did not have functional access to the account or ability to manage payment through normal channels. The matter was ultimately closed without addressing the central issue. As a result, negative and inaccurate reporting has been placed on my credit report. I have never missed a credit card payment in my life prior to this. I have been trying to work with Bank of America to resolve this for over a year now, and they've been so difficult and deceptive.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: NC

Complaint narrative:
I am filing a complaint regarding a solar loan issued through GoodLeap with a remaining balance of approximately {$23000.00}. This loan was approved based on misrepresentation of the solar systems expected performance and projected savings. At the time of sale, I was told the system would significantly reduce or eliminate my electric bill. That has not occurred. I am currently paying both a high electric bill and the solar loan, which directly contradicts the representations made during the sales process. The solar installer is no longer in business and the system has failed to deliver the financial benefits that were used to justify the loan. This indicates the loan was issued based on inaccurate and misleading information at origination. I have already contacted GoodLeap and opened a formal dispute ( Case # XXXX ). I requested a full investigation, documentation of the systems expected performance and a temporary forbearance while the dispute is under review. The issue remains unresolved. I am requesting that GoodLeap conduct a full investigation into the origination of this loan, address the misrepresentation involved and provide appropriate relief, including a pause on payments during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: DC

Complaint narrative:
They have reported an account ( Kikoff ) as XXXX late payments but those werent accurate because my payment has been XXXX for almost XXXX years now. How can I be late on a XXXX payment. This is predatory reporting and according to FCRA this is illegal because it is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
The situation is the my neigbor house got on fire, so part of my land got dmaged, I do not mine of that, I call XXXX XXXX to het insurance information, they denid all information to me. the will only answer to my husban, look like he took my name out of the documentation, so I gave no rigth to as for insurance information. I has at the doctor yesturday whit trouble XXXX and XXXX XXXX, my husban is a XXXX solder when he lefst teh house rob all that is was valuable took the money out of banck accounts, sold my truck, took ebrithing aout of the house no one help me, not even the XXXX XXXX. I just need the insurance infomation to make a clim to help whit doctor medication. please.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I made a first deposit of a cashiers check that I received from XXXX XXXX XXXX with my business name of XXXX XXXX XXXX on XX/XX/year> for XXXX, the funds were released within XXXX hours. I then deposited a second cashiers check on XX/XX/year> for XXXX with my business name on the check from the same bank that the first cashiers check came from and it was placed on a hold until XX/XX/year>. On XX/XX/XXXX, I woke up and my account was on restriction, I then called customer service to see what was wrong with my account. Chase employee then told me they needed to verify the check with the issuing bank, I was placed on hold and they called XXXX XXXX XXXX to verify that the cashiers check was valid. Once the check is verified he said he would reach out to fraud department to unrestrict my account. The chase employee then said they needed additional verification from the individual who gave me the cashiers check as a form of payment. I then asked to speak to a supervisor. The supervisor said that the number I gave for the business is not on their public record system ; then they will not release my funds in my account that I had already or the check that was placed on hold. They refused to call the number that the individual uses on that south state bank where the cashiers check came from. the number I provided them is the number that was legally used to register his business in the state of Texas. This number is also the number he has on file with his bank which is south state bank. I have no way of accessing my funds which they have on hold indefinitely with out any other options for a resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against Cash App regarding an unauthorized transaction that was taken from my account balance. On XX/XX/year> at XXXX XXXX, a transaction in the amount of {$150.00} occurred on my Cash App account with the merchant listed as XXXX and described as an XXXX XXXX balance add. I did not make or authorize this transaction. I want to clearly state that I have not used my Cash App card, and no one has access to it. The card has been stored in a locked safe for years, making it impossible for this transaction to have been authorized by me or anyone with my permission. Additionally, there was another attempted transaction from XXXX on XX/XX/XXXX at XXXX XXXX, which was declined due to insufficient funds. This indicates a pattern of unauthorized activity on my account. I reported this transaction to Cash App on XX/XX/year>. My claim was denied on XX/XX/year>. I immediately submitted an appeal the same day, which was also denied on XX/XX/year>, without any meaningful explanation. Cash App has failed to provide : - Any evidence that I authorized this transaction - The device or IP address used - Any explanation of how they concluded the transaction was authorized The only description provided is XXXX XXXX balance add, which does not explain where the funds went or who received them. I am requesting that Cash App : XXXX. Reopen and properly investigate this unauthorized transaction XXXX. Provide a detailed explanation of their findings, including technical data used in their decision XXXX. Refund the {$150.00} that was taken from my account without authorization This situation is unacceptable, and I believe my claim was wrongfully denied. I am requesting immediate assistance in resolving this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am writing to formally express my concern regarding the closure of my bank account and the lack of information about the handling of certain deposits made into my account. On XX/XX/year>, I deposited XXXX checks that were properly endorsed to my account. These checks were subsequently processed and cashed by the bank. However, shortly after these transactions, my account was closed and blocked. From the moment I was notified of the account closure, I have made multiple requests both by phone through the fraud and customer service departments, as well as in person at various branch locations that these checks be rejected and returned to the issuing banks. Unfortunately, these requests have not been addressed. During this period, I have made several attempts to obtain clear information regarding the status of the process, the whereabouts of the checks, and the estimated timeframe for resolution. To date, I have not received precise answers or any written confirmation indicating the current stage of this case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I paid the credit card holder {$500.00} on XX/XX/year> and it was debted from my account and they said they will not release the funds until XX/XX/year>. I would like complete action to the fullest extent against Citibank. Thank you for your time and consideration in this matter.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Credit Exchange Corporation
State: CA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX and XXXX data breaches, which exposed sensitive personal data to unauthorized parties. FRAUDULENT ACCOUNTS : XXXX # XXXX - Balance : {$12000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$6000.00} - Date Opened : XX/XX/XXXX XXXX # XXXX - Balance : {$2500.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Balance : {$14000.00} - Date Opened : XX/XX/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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
i tried to dispute the account but the owner of the account is insisting that it is mine and that i have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have a collection account with Midland Credit Management ( original creditor : XXXXXXXX XXXX XXXX balance {$2800.00} ). On XX/XX/XXXX I sent a written debt validation request ( delivered XX/XX/XXXX ). I followed up on XX/XX/XXXX ( delivered XX/XX/XXXX ). Midland never provided any validation. On XX/XX/XXXX I sent a formal FDCPA/FCRA demand letter ( certified mail, delivered XX/XX/XXXX to their CXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The XXXX deadline expired today, XX/XX/XXXX with no response. Despite receiving no validation, Midland continues to report the debt as valid and collectible on all three credit bureaus. All three bureaus ( XXXX, XXXX, XXXX ) have now investigated and verified the account as accurate. This is a clear violation of FDCPA 1692g ( b ) ( failure to validate requires cessation of collection and reporting ) and FCRA 1681s-2 ( inaccurate furnishing ). I request the CFPB require Midland to immediately delete this unverifiable account from my credit reports and cease all collection activity.

Company response to consumer: Closed with explanation