vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Chime Financial Inc
State: CO

Complaint narrative:
I cashed my check XXXX XX/XX/XXXX, and it was approved the same day but has been held for over a week now. They delay my funds because I'm poor but when I have some wealth they will cash it the same day.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: AL

Complaint narrative:
Validation of Debt Request - ABLTY RECVRYXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I am disputing the balance and payoff on my mortgage loan, serviced by PHH Mortgage Services, formerly serviced by XXXX. My XX/XX/XXXX, monthly statement shows an outstanding balance of {$340000.00}, and I have been quoted a payoff of approximately {$350000.00}. XXXX XXXX Form 1099-C cancellation of debt forms were issued in connection with this mortgage loan : {$120000.00} with identifiable event date XX/XX/XXXX {$120000.00} with identifiable event date XX/XX/XXXX I need XXXX to explain how both 1099-C amounts were treated in the loan accounting and whether either amount was added back into the current balance or payoff. I requested : 1. A complete loan transaction history. 2. Documentation of any loan modifications, principal reductions, deferred principal, charge-offs, and adjustments. 3. A detailed payoff calculation. 4. A written explanation of the accounting treatment of both 1099-C events. 5. A corrected payoff and corrected balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
Bilt rewards gives me an error when I try to close my account. I have emailed them, called them and they do not respond. I continue to get errors when trying to close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I have a direct deposit that has been delayed due to policy that i did not agree to when i opened my account. My direct deposit has a date that is it to be released to my bank. My banks funds availability and user agreement states., ; All deposits made to an account prior to XXXX on the day recieved will be posted to the account the same day. I called the sender of funds, and they told me the date that is posted on my online account is the day they sent funds. Also for funds to be released on that given date. My bank has delayed my direct deposit without giving me a just reson for doing so. That delay has caused me not to have essential living conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Title : Complaint Against Citibank Missing Account Funds After Account Closure Dear Sir or Madam, I am submitting this complaint regarding my account with Citibank , N.A . and the unexplained loss of funds following the closure of my account. According to my Citibank account statement covering the period XX/XX/year> through XX/XX/year>, my accounts showed the following balances : Checking Account Balance : {$170.00} Savings Account Balance : {$23000.00} Total Balance : {$24000.00} Shortly after this statement period, Citibank closed my account. When the account was closed, I received a Closeout Disbursement check dated XX/XX/year> for only {$130.00}. This amount does not reflect the full balance that appeared on my statement. The difference between the statement balance ( {$24000.00} ) and the closeout check ( {$130.00} ) is {$24000.00}, which has not been explained to me. I have contacted Citibank multiple times seeking clarification about the missing funds. I requested : Transaction reversal details A final account reconciliation An explanation of where the remaining balance was transferred or returned Citibank representatives informed me that they can not provide fraud investigation details or transaction reversal information, and they have refused to explain where the remaining funds went ( XXXX- account Supervisor informed me the above statement ). XXXX from their department also told me Citibank, will not be sending anymore checks. ) I am requesting internal fraud investigation documents. However, I am requesting a clear accounting of my funds, including whether the money was : Returned to the original source Frozen or held by the bank Reversed due to an investigation Transferred to another entity or authority As the account holder, I believe I am entitled to a complete explanation of how the balance in my account was reduced from {$24000.00} to the {$130.00} closeout disbursement. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require Citibank to provide : A full written accounting of the disposition of my funds Documentation showing where the remaining balance was transferred or returned An explanation for the discrepancy between my account statement balance and the closeout check amount I have attached supporting documents including my Citibank statement and the closeout disbursement check. Thank you for your time and assistance in resolving this matter. 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 monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am a victim of identity theft and fraud. Ive reached out multiple times to have this information removed from and agency it is currently or formally been reported to with no response or action.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WI

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Complaint Against : Citizens Bank Product : Mortgage Issue : Incorrect / unfair credit reporting related to escrow adjustment Complaint Narrative I am submitting this complaint regarding the reporting of a XXXX late payment on my mortgage account for XX/XX/year>. I have maintained a perfect payment history on my mortgage with Citizens Bank and have always made my payments through automatic payment. In XX/XX/year>, my escrow payment amount was increased. Unfortunately, I did not receive the escrow adjustment notice, and my automatic payment continued to draft the previous payment amount. As a result, my payment for that month was short by {$120.00} due solely to the escrow adjustment. At no point did I intentionally miss a payment. My mortgage payment was still made through my automatic payment setup as it had been every month. Once the shortage was identified, the matter was corrected. Citizens Bank acknowledged the circumstances by waiving the associated late fee. However, despite this acknowledgement and my otherwise flawless payment history, the bank has continued to report the XX/XX/year> payment as a XXXX late to the credit bureaus. I have attempted multiple times to resolve this matter directly with Citizens Bank. I submitted disputes to the credit bureaus and also requested a goodwill adjustment directly from the bank. Unfortunately, my request was denied with the explanation that they are required to report payment history accurately. While I understand the importance of accurate reporting, this situation resulted from an escrow adjustment that I did not receive notice of, while my automatic payment remained active and continued to make payments. The shortage was only {$120.00} and did not reflect a missed payment or a pattern of delinquency. This single late payment mark has had a significant and disproportionate negative impact on my credit, despite my otherwise perfect payment history on this mortgage. Given the circumstances automatic payments in place, a small escrow adjustment shortage, no prior late payments, and the banks decision to waive the late fee I respectfully request that Citizens Bank review this matter and remove the XX/XX/year> XXXX late payment reporting as a one-time goodwill adjustment. I value my relationship with Citizens Bank and hope this matter can be resolved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation. Please provide the following information : 1. The name and address of the original creditor. 2. The name and address of the current creditor to whom the debt is owed. 3. The amount of the alleged debt, including an itemization of any interest, fees, or charges added. 4. Copies of any documents bearing my signature showing that I agreed to assume this debt. 5. Documentation showing that you have the legal authority to collect on this debt in my state. 6. A complete payment history for this account, including the date of default. Until you provide the requested validation, you must cease collection activities and refrain from reporting this debt to any credit reporting agency as required under the FDCPA. If this debt has already been reported to any credit reporting agencies, please note that reporting unverified or inaccurate information may constitute a violation of the Fair Credit Reporting Act ( FCRA ). Please respond to this request within the timeframe required by law. If you can not provide the requested validation, you must cease collection efforts and notify any credit reporting agencies to which you have reported this debt to delete the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
# XXXX did not pay my insurance on time and it was cancelled

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Dear Sir/Madam, Radius Global Solutions # : XXXX XXXX XXXX XXXX Account # : XXXX Balance Due : {$310.00} XXXX received a collection notice on XX/XX/XXXX from Radius Global Solutions XXXX XXXX, XXXX that I owed XXXX XXXX XXXX a past due balance of {$310.00}. I phoned their company on XX/XX/XXXX and reported that I did not have an account with XXXX XXXX XXXX. They indicated that a XXXX XXXX on XXXX XXXX in XXXX, IL had an XXXX XXXX XXXX account from XX/XX/XXXX to XX/XX/XXXX and that she somehow used my name for her account.. This is an invalid account, as I don't know a XXXX XXXX and never been to or lived in XXXX. I am respectfully requesting that Radius Global Solutions cease all collection activity, including phone calls, letters and credit reporting. I value my excellent credit rating and pay all of my bills in a timely manner. I have never carried a balance on any of my debts. Please confirm that this matter is closed. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I previously had an auto loan with XXXX XXXX XXXX that was later satisfied and paid in full. After the loan was resolved, XXXX issued what they described as a repo filing fee, which they are reporting as a delinquent balance. This fee is the only remaining item associated with the account. My credit reports now show that the account was charged off and transferred to Midland Credit Management. However, the vehicle title remains encumbered by a lien. The California XXXX vehicle record still lists XXXX XXXX XXXX as the lienholder. When I contacted XXXX XXXX XXXX, I was informed that Midland Credit Management now holds the lien. However, Midland Credit Management has not provided documentation confirming that they hold the lien or explaining the process required to obtain a lien release. Because of this conflicting information, I am unable to sell or transfer the vehicle. The loan itself was satisfied, but the title remains encumbered and neither company has provided clear documentation confirming who currently holds the legal lien authority. I also previously requested validation of the debt from Midland Credit Management but have not received documentation confirming lien ownership or the basis for the alleged remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
Subject : Inappropriate victimblaming statements by Wells Fargo representatives and refusal to investigate the ATM deposit and Wells Fargoopened account used in the fraud. Details : Multiple Wells Fargo representatives made inappropriate and unprofessional statements that placed blame on me as the fraud victim instead of addressing the facts of the case. A Wells Fargo representative named XXXX XXXX told me dont beat yourself up too much when I reported the fraud. This implied that I was responsible for the incident, which is inappropriate and unprofessional during a fraud investigation. Additionally, a representative from the Fraud Department told me at least you put your cash in the ATM instead of handing it to a scammer. This comment minimized the seriousness of the fraud and again placed responsibility on me rather than on the banks obligation to investigate. Despite these statements, Wells Fargo refused to investigate the ATM deposit I made on XX/XX/XXXX, even though the deposit was made into a Wells Fargoowned ATM and the funds were transferred into an account that Wells Fargo opened and that was used to commit fraud. Wells Fargo did not review the ATM video, did not pull the ATM logs, and did not investigate the receiving account, despite repeated requests and a judgesigned warrant from law enforcement. Impact : The victimblaming comments and refusal to investigate the ATM deposit created delays, confusion, and emotional distress. Wells Fargos failure to investigate the ATM deposit and the Wells Fargoopened account used in the fraud prevented proper resolution of my case and contributed to repeated inaccurate determinations.

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 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express has frozen an outbound transfer of my funds to my new XXXX checking account for 22 days, despite full verification and documentation having been provided. This delay is preventing access to my own funds and is causing significant financial hardship. My prior XXXX checking account was closed due to fraud that I did not initiate. I opened a new XXXX checking account to receive my funds. Funds that belong to me are currently held by American Express. When I attempted to transfer my funds out of American Express into my new XXXX account, American Express blocked the outbound transfer. At American Express request, I uploaded and provided all required documentation, including statements from the closed XXXX account, statements from the new XXXX account, and transaction history tracing the movement of funds. There is no dispute regarding ownership or legitimacy of the funds. Despite this, American Express continues to block the transfer with no clear explanation or resolution timeline. As a direct result of American Express continuing to hold my funds : I have been unable to pay contractors on an active home construction project I was forced to sell stock at a financial loss to cover immediate obligations. The delay has caused measurable financial damage, project disruption, and stress. This situation is ongoing and worsening with each additional day the funds remain inaccessible. Given that verification is complete, the continued restriction is unreasonable.

Company response to consumer: Closed with explanation