vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — Store credit 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: MA

Complaint narrative:
Home Depot credit card reported lost stolen on or about XX/XX/XXXX, reported to Citibank as soon as noted missing when I attempted to rent a truck. A new card was issued by bank, however several charges appeared on next statement for " XXXX Gift Cards '' for {$150.00}. I disputed charges immediately upon receipt of statement and was issued another new card? Home Depot expected me to pay the errant charges and would resolve in 90 days. I contacted Home Depot Credit via phone and discussed the matter telling them that the charges were not accurate and I did not agree to pay. ( As per some credit card policies, payment constitutes agreement with charge amounts. ) When I log on to my credit card account ending in XXXX, I see a {$0.00} balance and {$5000.00} credit available. I have recieved numerous statements from Citibank with late fees and charges so that my last statement balance is {$560.00} as of XX/XX/XXXX on card ending in XXXX which I have never had in my posession. I am angry and frustrated that Home Depot has already reported the issue to credit agencies severely impacting my credit scores.

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 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
This complaint concerns inaccurate credit reporting and improper loan servicing by Aidvantage, including failure to process valid documentation and wrongful reporting of delinquency and default status over an extended period. The borrower was enrolled in school beginning XX/XX/XXXX, as confirmed by official documentation from the school. This qualifies the borrower for in-school deferment. Despite this, Aidvantage reported late payments beginning in XX/XX/XXXX and continued reporting delinquency each month through XX/XX/XXXX, ultimately placing the loans into default status. The borrower provided Aidvantage with the school enrollment letter in XX/XX/XXXX clearly showing the XX/XX/XXXX enrollment date. Aidvantage failed to process this documentation and failed to apply the appropriate in-school deferment. As a result, Aidvantage continued to report inaccurate late payments from XX/XX/XXXX through XX/XX/XXXX and escalated the account into default, which is not valid given the borrowers verified enrollment status. Disputes were submitted to the credit bureaus on or about XX/XX/XXXX, along with supporting documentation. More than 45 days have passed without correction of the inaccurate reporting. Aidvantage has therefore failed to conduct a reasonable investigation and has continued furnishing inaccurate information after being placed on notice. This issue affects multiple tradelines ( approximately XXXX accounts ), all of which reflect inaccurate reporting tied to the same failure to apply the verified in-school deferment. A complaint has also been filed with XXXX XXXX XXXX, and the issue has been escalated directly with Aidvantage. Despite this, Aidvantage has failed to correct the reporting, failed to process the documentation, and has continued to report a default status in error. This constitutes : * Failure to conduct a reasonable investigation * Continued furnishing of inaccurate information * Failure to correct after notice and expiration of the investigation period * Improper loan servicing, including wrongful placement into default status Resolution requested : * Immediate removal of all inaccurate late payment reporting from XX/XX/XXXX through XX/XX/XXXX across all affected accounts * Immediate reversal and removal of any default status applied in error * Application of in-school deferment effective XX/XX/XXXX * Correction of all affected tradelines and confirmation that accurate information has been furnished to all credit bureaus The borrower reserves the right to pursue additional remedies available under applicable consumer protection laws if this matter is not fully resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am filing this complaint against Bank of America for denying reversal of fraud-induced ACH payments totaling {$23000.00}. BACKGROUND : In XX/XX/year>, I made ACH payments of {$23000.00} for XXXX tuition to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/year>, the school 's XXXX XXXX, XXXX XXXX, confessed to fraud : forged a {$500000.00} letter of credit, maintained two sets of books, concealed $ XXXX in debt. XXXX confirmed open investigation ( Report XXXX # XXXX ). XXXX civil suits : XXXX XXXX XXXX XXXX and XXXX XXXX ( Ponzi scheme ). Given launched the tuition campaign THREE DAYS after forging the lease document. This is felony larceny. BANK 'S RESPONSE : Bank of America denied my dispute citing 'authorized and correct ' over the phone on XX/XX/year>. This ignores that authorization obtained through criminal fraud is legally void not merely that I initiated the transfer. PEER BANK REVERSALS : Bank of America ( formal letter XX/XX/XXXX, Claim XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXXXXXX XXXX have reversed identical XXXX XXXX payments under the same NACHA/Reg E framework. WHAT I WANT : Full reversal of {$23000.00} and written explanation of the legal standard applied when authorization is obtained through documented criminal fraud.

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I set up a auto payment with my bank. the funding company was paid. Then upon payment the electronically submitted for payment the next days again. we followed the FCC request and also the banks request to stop this payment. 2 days later the finding company submits yet again another 2 months ahead payment without authorization. this has caused over draft fees to my bank account in which the funding company did not refund to me for their mistake. Auto pay came out on XX/XX/year> in the amount of {$580.00}. On XX/XX/year> they took it again. On XX/XX/year> i spoke to Credit Acceptance to make a payment I was behind on and to change the information on the Auto-pay to come out of my personal account. They told me to go online and make the payment and change Auto-pay account. So I did, I made a payment on XX/XX/year> and changed the account information. On XX/XX/year> they hit my account again for {$580.00}. On XX/XX/year> they retry payment again. Then on XX/XX/year> they hit my account again. So in saying that, Credit Acceptance got their payment out of my personal account which is correct. But they are constantly retry payment and it has cost me alot of money. I stopped auto-pay from both of my accounts. Please help.

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 2026-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management is reporting a collection amount of {$2200.00} on XXXX that does not belong to me. I do not recognize the account, I have no contractual relationship with Midland Credit Management, I do not recognize the alleged account with the listed creditor. XXXX XXXX XXXX XXXX is reporting a collection amount of {$850.00} on XXXX that does not belong to me. I don not recognize the account, I have no contractual relationship with XXXX XXXX XXXX XXXX, I do not recognize the alleged account with the listed editor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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:
I am disputing multiple collection accounts reported on my Equifax credit report, including 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 because I have reason to believe these accounts may be inaccurate, incomplete, duplicated, or not properly verified. There are multiple accounts from the same collector, particularly XXXX XXXX, which raises concern regarding duplicate reporting, re-reporting of the same debt, or inaccurate account matching. I have not been provided with sufficient documentation proving the validity of these alleged debts, the balances being reported, or the lawful authority of the reporting parties to collect and furnish the accounts. I have not received signed agreements, full payment histories, itemized balances, or proof of assignment/ownership where applicable. I am also concerned these entries may be associated with mixed file issues, identity theft, outdated records, or a data breach that caused incorrect information to be linked to my file. Under 15 U.S.C. 1681i ( a ), I am exercising my right to dispute these accounts and request a reinvestigation. Under 15 U.S.C. 1681e ( b ), Equifax must maintain reasonable procedures to assure maximum possible accuracy. Under 15 U.S.C. 1681s-2 ( b ), furnishers must reasonably investigate disputed information. Debt collectors must also comply with 15 U.S.C. 1692e and 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Once again, you incorrectly applied Check # XXXX Dated XX/XX/year> payment to : XXXX XXXX When the proper applied account should be : XXXX XXXX Please correct as soon as possible! I am attaching a full pdf showing all my payments. Making my balance as of XX/XX/year> {$0.00} Total Payments received as of XX/XX/year> : {$10000.00} This brings my account balance to {$0.00} I would like to formally request a letter this has been payed off completely and to confirm that the lien release will be completed! Please email me confirmation that this has been corrected. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Account XXXX 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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Check was deposited XX/XX/year>, print out from ATM stated funds will be available XX/XX/year>. Bank now stated funds are held until XX/XX/year>. This is the second time Wellsfargo held on to a check for XXXX days then use the excuse its not us its the other bank. This happened before from the same company who wrote the check. The check was cleared from the other bank.

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 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Top Line Collectors LLC
State: TX

Complaint narrative:
A debt collector, Top Line Collectors LLC, sent a text message containing my personal debt information to my son, who is not responsible for the debt. The message included my name, the existence of the debt, the exact balance, the creditor name, and a payment link. My son is not a co-signer, spouse, or otherwise legally responsible for this account. He was listed only as a reference. This communication disclosed my private financial information to a third party without authorization. I believe this conduct violates the Fair Debt Collection Practices Act, which prohibits disclosure of debt information to third parties. I am requesting an investigation into this matter and appropriate action. The company texted this to my son on XX/XX/year> at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I closed out a visa credit card with Bank of America ( card ending in XXXX ) because it often was rejected at stores for no apparent reason. The bank could not determine why the problem existed and suggested that I get a different credit card. The new card works fine ( ending in XXXX ) with visa. Approximately 10 days later a thrid visa credit card appeared on my bank statement ( ending in XXXX ) and shows a balance of XXXX. I never requested a thrid card and have no knowledge of this car. In addition many of my transactions with the new card appear twice. The Manager of Bank of America in XXXX, NJ XXXX. ld not explain this third card although I told her I knew nothing about this card but said eventually it will go away

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 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I am a 100 % XXXX XXXX and Nevada resident filing this complaint against Navy Federal Credit Union ( NFCU ). On XX/XX/XXXX, I requested a voluntary cancellation of my GAP waiver. I was initially refused, with representatives claiming that because I was outside the 60-day window mentioned in their contract, a refund was 'impossible ' and the product was 'non-refundable. ' However, during a subsequent Live Chat on XX/XX/XXXX ( Attachment 1 ), the agent admitted I could cancel the product, but explicitly stated I would not receive a refund. This is a direct violation of Nevada Revised Statute 690D.200 Section 2, which mandates that a borrower must be allowed to cancel a GAP waiver after the free-look period and must receive a pro-rated refund of the unearned premium. Furthermore, because my loan balance is {$7800.00} and my vehicle 's value is approximately {$23000.00}, I have {$15000.00} in equity. This makes the GAP product 'illusory ', it is mathematically impossible for the product to pay out a benefit. Forcing me to keep or pay for an unearned product that can not provide a benefit is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) under CFPB standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My escrow is- {$10000.00}, I am requesting breakdown of this reason and why due to me being 100 % XXXX Veteran and homestead exempt. I will like a breakdown of the exact amount being paid to my insurance and I should not be charged property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been trying to get the 2018 XXXX XXXX taken off my credit and to stop being harassed about this debt it does not belong to me. Financial compensation for the distress and negative impact this has had on my credit since the account started reporting negatively to my credit as well as the harassment from the mail, calls and texts I've gotten about this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: GA

Complaint narrative:
I sent Midland Credit Management a written debt validation request for an alleged {$580.00} XXXX account XXXX They responded twice both times with the exact same form letter. Both letters included a transaction history table that was completely blank. They never sent a signed original agreement, no chain of ownership documentation, no proof they are licensed to collect in Georgia, and nothing that actually proves this debt is mine. When I pointed that out in a follow up letter, they sent the same form letter again. My dispute was never actually reviewed by a person. Despite failing to validate the debt, they continue to report this account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Claim details # XXXX XXXX transactions in claim PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Card XXXX XXXXXXXX {$200.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Card XXXX XXXX {$200.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Card XXXX XXXX {$200.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Card XXXX XXXXXXXX {$300.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX Card XXXX XXXXXXXX {$500.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX CARD XXXX Card XXXX XXXX {$400.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX Card XXXX XXXXXXXX {$500.00} XX/XX/XXXX Remove PURCHASE AUTHORIZED ON XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CARD XXXX Card XXXX XXXXXXXX I am submitting this complaint regarding fraudulent activity on my bank account and the failure of my bank to provide timely assistance and required provisional credit. I was the victim of a scam in which an individual impersonated my bank and fraudulently obtained my debit card information under the pretense of activating my card. As a result, my account was drained on two separate occasions immediately after my Social Security deposits were made. I reported the fraud promptly and filed a claim with my bank. I was informed that I would receive provisional credit while the investigation was ongoing. However, as of XX/XX/XXXX, no provisional credit has been issued. When I contacted the bank for assistance, I was treated in an unprofessional and disrespectful manner by a claims representative, who told me I would not receive credit. I escalated the call to a manager ( XXXX ), who stated she would submit an internal request for provisional credit, but no action has been taken. This delay has caused severe financial hardship. I currently have no access to funds and am unable to pay for basic necessities, including food, transportation, rent, and utilities. Under federal consumer protection standards, I believe I am entitled to timely provisional credit during the investigation of reported fraud. The banks failure to provide this, combined with the unacceptable treatment I received, is deeply concerning.

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 2026-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I am disputing a {$160.00} charge from XXXX XXXX XXXX being collected by Credence Resource Management , LLC ( Account # XXXX ). This charge is for 'unreturned equipment, ' but the equipment was left at my former residence, The XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC ). My lease included a mandatory {$85.00} 'Amenity Fee ' that covered managed internet services. The modem was a fixture of the unit and managed by the property. I contacted the agency to request a debt validation letter, and they explicitly refused to send one, violating my FDCPA rights. I have provided my move-in document showing the mandatory amenity fee as proof. ''

Company response to consumer: Closed with non-monetary relief