vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: MT

Complaint narrative:
I enrolled in a debt relief program with National Debt Relief in XX/XX/XXXX. After settling XXXX of the XXXX accounts, I paid the payoff amount as instructed, using funds from a home equity loan taken out specifically to pay off debt. I followed all program instructions, including deferring payments while negotiations were ongoing. 
XXXX creditor remained unresolved for several months without escalation. During this period, I was served with a lawsuit by that creditor on XX/XX/XXXX. Only after I was served did National Debt Relief escalate the account and quickly negotiate a settlement XX/XX/XXXX. 
Because of the prolonged delay before escalation, I incurred approximately {$2900.00} in additional costs related to litigation and added charges. I was not specifically warned that this creditor was at high risk of suing, nor was I advised that earlier escalation was necessary to avoid legal action despite checking in with them via phone call approximately every XXXX months to defer payments. 
I am requesting a written explanation for the delay and a fee adjustment or reimbursement for the additional costs caused by delayed negotiation while I was enrolled and compliant with the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I called Wells Fargo to address an issue I had and file a claim of unauthorized money transfer for XXXX transactions that occurred from the dates XXXX to XXXX on my debit card. On the phone, the lady asked whether I let anyone use my card, family or a friend. I said no. She then asked has my card been stolen or lost I responded and said no. She ordered me a new card and submitted the claim. I told her I misplaced my card but quickly found it. I have lost a total of {$1600.00} of unauthorized transactions I did not approve of, and I also mentioned I do not have a XXXX  account as well. I filed the claim on Sunday. Monday was a holiday, so from Tuesday, XX/XX/year>, to Friday, XX/XX/year>, they closed the and declined the claim. I called Wells Fargo XXXX XXXX department, and the lady had no valid reason for why the claim was declined. I told her the transactions are all unauthorized, the ones coming from Money Transfer XXXX. According to regulation E, reporting a fraud unauthroized transaction within 2 days or 60 day window, for the 2 day your only liable XXXX $ and 60 day window XXXX $ and up. She mentioned contacting the company XXXX. I told her i dont have an account. After the call today, Friday, XX/XX/XXXX I made an account and did not find my name connected with these transactions. So I called XXXX, and they told me that they will look into the claim. I feel that what has happened to me the past couple days is unjust in that i followed all the protocols and procedures in reporting the fraud but the response Wells Fargo gave me I feel is not fair in terms of the amount of key evidence I gaved them that all of these transactions from money transfer XXXX  on my debit card are unathorized I did not approve them and also I mentioned that my name is not connected to the XXXX  app.

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 2026-01-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX at XXXX XXXX  I attempted to deposit {$300.00} in cash at a Citibank ATM located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The ATM accepted my cash, then immediately displayed an error message and went out of order. The transaction did not complete, and the funds were never credited to my account. 
I promptly contacted Citibank and filed a dispute for the missing cash deposit. Despite the ATM malfunction and the fact that the machine accepted my money, Citibank denied the dispute, stating results that do not reflect what actually occurred. 

I believe Citibank failed to properly investigate this matter. I am requesting that Citibank : Conduct a full review of the ATM electronic journal, balancing records, and any available surveillance footage Provide a written explanation of how the denial was determined Credit my account {$300.00}, which was taken by the ATM due to a malfunction The ATM error occurred after the cash was accepted, and I did not receive the funds. This is my money, and I am requesting regulatory assistance to ensure a fair and accurate resolution.

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 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting this complaint regarding Capital Ones reporting of XXXX accounts that were closed following a returned payment. 

I am not disputing the accuracy of the returned payment itself. The payment was returned due to a banking issue related to an account that was later identified as having fraudulent activity, which resulted in funds being temporarily withheld. The returned payment was not intentional. Prior to this isolated incident, the accounts were maintained in good standing with a positive payment history, and balances were routinely paid in full, with only minor administrative hiccups over time related to managing multiple accounts and updating different checking account numbers used for autopay. 

I have maintained a long-standing relationship with Capital One for approximately XXXX years and previously held multiple accounts with consistent on-time payments and low or XXXX balances. This incident was isolated and not reflective of my overall credit behavior. 

My concern is the reporting of all XXXX accounts as closed by creditor. This characterization implies elevated credit risk and does not accurately reflect the context of a single, non-intentional returned payment or my long-term history as a customer. The resulting credit damage has been disproportionate. 

I contacted Capital One to request a goodwill adjustment or re-coding of the account closure reason. I was advised that the accounts could not be fixed due to Fair Credit Reporting Act requirements. However, the FCRA requires accurate reporting and does not prohibit discretionary goodwill adjustments or alternative accurate coding.

I am respectfully requesting executive review and consideration of a one-time goodwill adjustment to re-code or remove the closed by creditor remark so that the reporting more fairly reflects the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
CALLED AFFIRM INC AND SPOKE WITH A SUPERVISOR AND WAS ADVISED THEY COULD LOCATE AN ACCOUNT IN MY NAME AFTER PROVIDING THEM WITH ALL OF THE VERIFICATION QUESTIONS. I ALSO PROVIDED OLD DETAILS, AND THEY STILL COULD NOT FIND MY INFORMATION IN THEIR SYSTEM. AFTER ADVISING THAT SINCE THEY COULD NOT PROVE THAT THE ACCOUNT IS MINE, THEY WERE REQUIRED TO REMOVE IT FROM MY CREDIT REPORT. HE THEN REQUESTED MY IINFORMATIO AGAIN SO THAT HE COULD ADD TO THE ACCOUNT AND I REFUSED. THE SUPERVISOR HUNG UP ON ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by LVNV Funding LLC. 

LVNV Funding LLC is reporting a collection account in the amount of {$490.00} with the original creditor listed as XXXX XXXX XXXX. I dispute this account and do not recognize the debt as reported.

After disputing this account with the credit reporting agency, it was marked as verified without LVNV Funding LLC providing any documentation to me. 

As a debt buyer, LVNV Funding LLC has not produced the original credit card agreement, itemized account statements, payment history, or proof of assignment establishing its legal right to collect or report this account. 

Continued reporting without proper documentation violates the Fair Credit Reporting Acts requirements for accuracy and reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my credit card for XXXX XXXX, everything went well, when I went in store after paying off my fist item, I attempted to get a second item and I was declined. They had a store employee call them to verify my identity. My identity was verified multiple times, they team has already informed me that they would like off the alert and they continue to give me the run around and keep the alert on after multiple attempts to have this issue fixed. They refuse to fix it.

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 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Since XX/XX/year> I was on sweeptakes gambling platform XXXX XXXX XXXX over few days playing on the platform tried to cash out a little prize winning was wondering why it was not being posted back to my account I then saw the new law banning these dual currency platform from allowing gambling. So that being the reason why I couldn't cash out being illegal operation the processer chime then refused to do a charge back claim no error were made but I said that the contract user agreement is void because it's illegal operating in XXXX it seems like XXXX  is just doing a money grab and chime is allowing it. I want my money refunded not because I lost but because the site was not acting fair and shouldnt be operating in the first place. Chime should accept the dispute do a charge back with my chime credit card builder. Also i noticed that after blocking the site from my XXXX XXXX I was allowed to make a purchase still I have to block the second descriptor doing transaction under multiples XXXX XXXX is known for there unfair practices knowing that now I think it's only right for them to refund the money I spent on there bogus coins bogus games bogus redemptions tickets operating without legal right in doin so please collect my refund chime is liable to charge back they must be making a lot of money on processes bogus transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: MO

Complaint narrative:
The debt being collected is not mine. 

The original final account statement issued by the landlord listed another tenant as the responsible party. After move-out, the landlord later edited the final account statement to add my name, without a new lease, amendment, court judgment, or my consent.The debt collector is attempting to collect from me individually based on altered documentation rather than a valid agreement establishing liability.I disputed this directly with the property management company and provided written evidence showing the statement was modified after issuance. Despite this, the account was sent to collections.I am requesting investigation and correction of this improper collection attempt. I vacated the unit due to safety concerns and relocated to XXXX XXXX XXXX XXXX XXXX XXXX. Any charges assessed after my departure were incurred while I was no longer in possession of the unit and are not legally assignable to me under XXXX tenant protections. The balance being collected includes post-vacate charges assessed after I had already left for safety, which makes the amount inaccurate and unenforceable as to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
SENT REQUEST FOR VALIDATION IN XXXX, XXXX AND IN XX/XX/XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Im reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details. 

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately. 

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Prosper Marketplace, Inc.
State: SC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Validation Required XX/XX/year> To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 2 Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Mortgage — Conventional home 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: Selene Holdings LLC
State: MD

Complaint narrative:
We have been attempting to work with Selene Finance on a loss mitigation application for nearly XXXX XXXX. The loan is secured by a property belonging to an estate. The borrower is my father who is deceased. I am the duly appointed Personal Representative. Selene Finance has been provided death certificate and estate documentation multiple times. 

We originally submitted a complete loss mitigation application in XXXXXXXX XXXX XXXX, which Selene later claimed had timed out because they did not have all the requested documents. Which we had sent, and in timely fashion, as saved in our emails. After receiving foreclosure notices from Selenes attorneys, we resubmitted the full application again in XXXX XXXX XXXX 

Selene Finance continues to request duplicative documents, has failed to issue a written loss mitigation determination, and has threatened foreclosure without complying with federal loss mitigation requirements. We believe Selene is engaging in delay tactics and failing to properly evaluate our application as required under RESPA and CFPB servicing rules for confirmed successors in interest.

We are requesting immediate review by Selenes executive resolution team, a written determination of our loss mitigation application, and cessation of foreclosure activity until compliance is met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BMW Financial Services NA, LLC
State: MN

Complaint narrative:
I have disputed this debt multiple times. My ex-husband went to a car dealership and said he had power of attorney over me to sign for me. Which was a lie. I was never aware of the possibility account being opened. I never benefited from this account being opened. I also filed a police report, upon my divorce proceedings, The judge declared that the debt was my ex-husbands and I was not responsible for it. I have sent in these documents and I have also said that that signature did not match mine and they just ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Formal Complaint - Systematic Deception, Negligence, and Failure to Protect Consumers Against Fraud On XX/XX/XXXX, I contacted Citibank 's call center to report several fraudulent charges. During that call, I noticed a {$99.00} charge for a " MEMBERSHIP FEE '' ( XX/XX/XXXX ). I explicitly requested a product change to a card with no annual fee. The agent misled me, stating that I had to wait to receive the new physical card before making the change, forcing me to remain in a paid membership I did not want.

The bank 's negligence continued as follows : Mishandling of Address : Citibank sent my replacement card to an incorrect address that was never associated with my account, leaving my sensitive financial information exposed for over 45 days.

Delaying Tactics : Once I received the card, I called again to change the membership. The agents again delayed the process, claiming I had to wait for my spouse 's card to arrive, a requirement that was never part of the original terms.

Recent Massive Fraud : On XX/XX/XXXX, I received a fraud alert for {$6200.00} ( XXXXXXXX XXXX XXXX XXXX ). This is the latest in a series of security failures that Citibank has failed to prevent despite my repeated warnings.

Agent Misconduct and Deception : Today, an agent named " XXXX '' ( who refused to provide his last name or clear identification ) initially denied the possibility of a product change. When I insisted, he suddenly " found '' the option but refused to refund the {$99.00} fee, claiming that the " 37-day window '' had passeda timeframe created solely by the bank 's own delays and misinformation. Supervisor hostility : I requested to speak with a supervisor, who was rude, mumbled his name, and explicitly stated that my financial security " wasn't his problem, '' refusing to provide any assistance.

The stress caused by Citibanks negligence and the verbal hostility from the supervisor on XX/XX/XXXX, resulted in a XXXX  crisis. I had to XXXX for XXXX XXXX XXXX and was forced to remain in bed for several hours to stabilize my health. This incident has caused not only financial loss but also a direct physical injury due to the bank 's abusive behavior

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 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX, I received a call on my work cell phone while I was working from Credit Control , LLC regarding an alleged debt owed to XXXX XXXX XXXX XXXX ( XXXX ) The incoming call displayed my employer 's phone number ( XXXX XXXX ) on my caller ID, not Credit Control 's number. This is caller ID spoofing in violation of FDCPA Section 1692e ( false or misleading representations ). The person on the phone attempted to verify my information, but I was confused considering it was my own workplace number calling my own work phone number. When I questioned why the call showed as coming from my employer, the representative stated they use an " autodialer '' and then proceeded to attempt debt collection.

I did some research regarding the underlying debt : I returned my leased vehicle to XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent me an email stating my final liability statement would be " mailed to me in the coming weeks. '' I never received this statement. At the time, the link XXXX provided in their email to access information about my final liability was expired, preventing me from reviewing the alleged charges. 

I was never provided proper notice of this debt before it was reported to my credit file and referred to collections. XXXX had my email address but made no follow-up attempts via email when I did not respond to their claimed mailing. As such, I was unable to make payment over a debt I was unaware of and not given proper notice. Instead, I was met with impersonated debt collectors attempting to collect a debt months later.

I am requesting investigation into Credit Control 's use of caller ID spoofing and XXXXXXXX XXXX  failure to provide proper notification before credit reporting.

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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: TX

Complaint narrative:
Klarna is attempting to hold me responsible for an unauthorized XXXX transaction despite my dispute. They reactivated the statement and have failed to respond to my formal objection or provide evidence of authorization.

Company response to consumer: Closed with explanation