vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
I am filing this complaint after submitting an FTC report regarding US Collections West , Inc. due to their continued failure to provide lawful debt validation for an alleged collection account they are reporting. 
US Collections West previously claimed that they validated this alleged debt on or around XX/XX/year>. However, I have still not received any validation documentation, despite it now being well over 60 days since that claim was made. 
If lawful validation truly exists, I do not understand why it was not attached to the prior CFPB response for review. Instead, the company provided only a one-sentence assertion with no supporting documents. A conclusory statement is not validation under federal law. 
To date, I have never received : A written notice of debt or dunning letter Notice of my right to dispute prior to credit reporting A signed contract or lease An itemized account ledger or balance calculation Proof of default Proof of assignment or legal authority to collect This account was reported to the credit bureaus before I ever received any written notice, which is a direct violation of FDCPA 1692g ( a ). Each day this account remains reported without documentation constitutes an ongoing violation.

I am requesting that US Collections West be required to either produce the alleged validation documentation for review or permanently delete this tradeline from all consumer reporting agencies if no such documentation exists. 
Continued reporting of an undocumented debt after claiming validation exists demonstrates reckless disregard for FDCPA and FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

The details of the fraudulent account are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : Equifax XX/XX/year>XXXX  Amount : {$700.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt. 

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : 1. Full validation and documentation proving this account was lawfully established and charged off.
2. Copies of the original signed contract or agreement bearing my signature.

3. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Cypress Creek Financial, LLC
State: TX

Complaint narrative:
I applied for a loan through another company but I keep getting emails and texts from this company. The problem is they are saying I was approved. I think they are possibly running a scam. So I click the link they sent via text, did the email before. Everything looks normal but then it says you just need to verify you bank information and sign for an instant payout. Once you sign and submit and give all your information the system then says they have to process it and someone would be in touch. I called and they asking for social to confirm, dob, address and email and phone as well. Once I provided the information I asked if this is legit the guy was hesitant and then said something about they have to process the application. I'm like what. Then he said he put it in the approval que. I followed up and told I was denied after they got all my info and I was told it was approved. I think they are running a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am requesting again from Midland credit management attorney to provide me with : Forward flow agreement ( entire agreement with no redacted lines ), original contract of XXXX XXXX, 4 years of itemized statements prior to charge off date and bill of sale with my na and account number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Dispute ID : XXXX would like to see the documents used to reach this conclusion. Furthermore, I feel it must point out that the card was LOCKED when these transactions are made and urge your reconsideration. 
I will be reporting this dispute to the Consumer Financial Protection Bureau. 
If i, the consumer, report any UNAUTHORIZED transactions per the demand deposit account agreement, it is your job and duty to rectify this error. It is not to conclude or insinuate that I am erroneously filling claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I attempted to cancel my XXXX XXXX membership. On XX/XX/XXXX, I visited the XXXX XXXX  XXXX XXXX location in person and requested cancellation. The employee told me my membership was canceled, but did not inform me that additional documentation or signatures were required. 

Despite this, XXXX XXXX continued charging my debit card for {$29.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I disputed the XXXX and XXXX charges, and XXXX XXXX refunded {$58.00} on XX/XX/XXXX. 

After I revoked authorization for further debit charges, XXXX XXXX switched billing to my credit card without my consent. Unauthorized charges were processed as follows : XX/XX/XXXXXXXX  : {$58.00} ; XX/XX/XXXX : {$74.00} ; XX/XX/XXXX : {$58.00} pending. I disputed the XX/XX/XXXX charge, obtained a new credit card, and instructed my bank to deny authorization for any further charges from XXXX XXXX. Despite this, XXXX XXXX processed the additional charges. 

XXXX XXXX has also sent communications threatening collections for these disputed and unauthorized charges. I am requesting that the CFPB investigate XXXX XXXX for unauthorized billing, failure to honor membership cancellation, and deceptive business practices.

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 2026-01-30 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: TX

Complaint narrative:
My name is XXXX. On XX/XX/, while traveling in XXXX, XXXX, a taxi driver took my phone out of my hand without my consent and processed an unauthorized XXXX XXXX  charge of {$280.00} using my Wells Fargo debit card. I did not authorize this payment and discovered it only after exiting the vehicle. Wells Fargo denied my fraud dispute, despite this being a clear unauthorized electronic funds transfer under the Electronic Fund Transfer Act ( EFTA ). I request CFPB assistance to require Wells Fargo to properly investigate and reimburse the charge. 

Details of the incident : Date : XX/XX/XXXX  Location : XXXX, XXXX Amount : {$280.00} Method : XXXX XXXX  linked to my Wells Fargo debit card While riding in a taxi, I attempted to show the driver my destination address on my phone. He grabbed my phone without permission and said he did not have paper for a receipt. While he had control of my device, he initiated and completed an XXXX XXXX payment without my knowledge or authorization. I was charged before arriving at my destination and did not see the charge until after I exited the vehicle. 
I contacted local authorities, but they requested the drivers name, license or plate number, which I did not have because the incident happened quickly and I discovered the charge only after exiting the taxi. As a traveler in a XXXX XXXX, I was targeted and taken advantage of by a taxi driver who took my phone and initiated an unauthorized transaction. I seek the CFPBs assistance to ensure Wells Fargo complies with federal law and restores my funds. Wells Fargo essentially brushed off my fraud report, denying my claim without a thorough investigation or meaningful explanation. I canceled the credit card immediately after this happened knowing good and well that it was 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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
I am formally disputing the accounts being reported by your company because they appear to be inaccurately reported as newer debts. These accounts are older obligations and appear to have been improperly re-aged, which is a violation of federal law. 

Under 15 U.S.C. 1681c ( a ) ( FCRA Section 605 ), negative accounts can not be reported for more than seven years from the Date of First Delinquency ( DOFD ).

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 5 ), debt collectors and furnishers are prohibited from changing or misreporting the date of first delinquency to make an account appear newer than it actually is. Re-aging an account to extend the reporting period is unlawful. 

Furthermore, under 15 U.S.C. 1681e ( b ), you are required to ensure maximum possible accuracy when reporting information to credit reporting agencies. I am also exercising my rights under 15 U.S.C. 1681i to dispute inaccurate or incomplete information. 

To resolve this matter, please provide : Documentation showing the original Date of First Delinquency A complete account history from the original creditor Documentation showing your legal authority to collect and report this account Verification that the reporting dates currently listed are accurate and compliant with federal law If you can not provide proper documentation verifying the accuracy of this reporting, I am requesting immediate deletion of this account from all credit reporting agencies. 

Failure to correct or remove inaccurate reporting may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Louisiana State Attorney General. 

Please respond within the legally required timeframe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK
State: IL

Complaint narrative:
Bank name : Commerce Bank Product : Checking account promotional bonus Amount in dispute : {$700.00} Complaint : I am filing a complaint regarding a denied promotional bonus that was publicly advertised by Commerce Bank. 

On XX/XX/XXXX, I opened a new checking account after viewing a {$700.00} promotional bonus offer displayed on Commerce Banks main public website. The offer appeared to be a general public promotion and did not indicate that it was limited to targeted customers only. 

After meeting the required conditions, Commerce Bank later denied the bonus and stated that the promotion was a targeted offer and that I was not eligible. This restriction was not clearly disclosed on the public webpage where I found the promotion. 

I relied in good faith on Commerce Banks public advertising when opening the account. Denying the bonus after the account was opened feels misleading and unfair, as the offer was accessible to the general public without any visible eligibility restrictions. 

I am requesting that Commerce Bank : Honor the {$700.00} promotional bonus as advertised, or Provide clear documentation showing that the offer was explicitly disclosed as targeted only on the public webpage at the time I opened the account. 

I believe Commerce Banks actions may constitute misleading advertising practices, and I am requesting CFPB assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding my credit card issuers denial of my billing dispute for {$1000.00} related to a XXXX charge ( Reservation # XXXX ). 

This is not a disagreement about a non-refundable policy. I provided documentation showing ( 1 ) the hotel waived the cancellation fees ( meaning I was entitled to a refund ), and ( 2 ) there were contradictory statements about whether the hotel ever received the funds. The issuer denied the dispute anyway.

In chronological order : 1. The hotel confirmed I should not be charged. 
On XX/XX/year>, the hotels General Manager provided written confirmation that my cancellation fees were waived and that the hotel did not charge XXXX virtual credit card ( VCC ). This confirms the hotel did not receive payment for this reservation and that no cancellation fee was owed. 
2. XXXX made a conflicting payment claim. 
On XX/XX/year>, XXXX stated in writing that the funds XXXX charged youhave been successfully transferred to the accommodation. 

These two written statements directly contradict each other on a key fact : whether the hotel received payment.

3. XXXX acknowledged the refund situation but told me I had to handle it through my bank because a dispute existed. 
After I disputed the charge due to XXXX refusal to refund, XXXX indicated that because a chargeback/dispute was filed, the matter had to be handled through my bank rather than through XXXX refund process. In other words, XXXX effectively directed me to use the card dispute process to resolve the refund. 
4. I provided this documentation to my card issuer during the dispute. 
I submitted the above written documentation and the related email thread to my card issuer as part of the dispute evidence. 
5. The issuer denied the dispute anyway by treating it as a non-refundable booking. 
The issuers denial did not address the evidence showing ( a ) the hotel waived fees ( so I should not be charged ) and ( b ) the contradiction between XXXX claim of transfer and the hotels confirmation that it did not receive payment/ did not charge the VCC. Instead, the issuer treated this as a standard non-refundable reservation issue. 

I have the documentation described above and can provide it to the CFPB upon request. It was already submitted to the issuer during the dispute. 

I am requesting that the CFPB review whether my card issuer conducted a reasonable investigation of this billing dispute and require the issuer to reconsider the dispute in light of the written evidence. 

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 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I filed a police report because someone stole my identity and used information to obtain a credit card from Citi XXXX ( my account ) sent their address. They proceeded to make fraudulent charges. I called Citi XXXX about these fraudulent charges. I spoke with XXXX from the Executive Office on XXXX. The fraudulent charges were supposed to be removed. I also requested to have Citi statements from the year of XXXX  and XXXX. XXXX stated she will email me the statements. I never got an email, and I keep getting calls from Citi to make a payment. Despite these charges being done by another person. I have been a victim of identity theft. This is causing a negative impact on my credit report.

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 2026-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Supreme Lending
State: PA

Complaint narrative:
I am filing a complaint regarding conflicting information and unreasonable delays in my mortgage servicers loss draft inspection process. 

I requested a loss draft inspection for my property and made multiple follow-up calls to obtain status updates due to delays in getting the inspection scheduled. Once the inspection was scheduled and completed, I personally met the inspector at the property and provided access for the inspection and photographs. 

After the inspection, I was advised by the servicer that the inspection results had been received on XX/XX/year>XXXX   and were pending review by the loss draft department. At that time, I was also advised that the review process typically takes approximately 710 business days. 

During subsequent follow-up calls, I was informed that the loss draft departments review was still in progress and not yet complete. After waiting until the stated 10 business day review timeframe had elapsed, I followed up again and was then informed that the inspection results had not yet been received from the inspection vendor. 

These statements are contradictory, and no one has been able to provide a clear or consistent explanation of the actual status of the loss draft inspection. 

Throughout this process, I made several good-faith follow-up calls to obtain status updates. My most recent follow-up occurred after the stated review timeframe had passed. Despite this, I was still unable to obtain a clear or reliable status update, and responsibility continued to be shifted between internal departments and the inspection vendor. 

As of now, I have received conflicting information regarding whether the inspection results were ever received, and the servicer has not met its stated review timeframe. Despite repeated reasonable attempts to obtain clarification, no definitive explanation, ownership, or timeline has been provided. 

I am requesting that the Consumer Financial Protection Bureau ensure that the loss draft inspection process is completed in accordance with the servicers stated policies, procedures, and service level standards, including accurate status reporting and adherence to the stated 710 business day review timeframe. I am also requesting that the servicer provide a clear, written explanation of the current status of my loss draft inspection, the remaining steps, and the party responsible for completing the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In reference to XXXX -- XXXX complaint submitted on XX/XX/XXXX by, closed on XX/XX/XXXX. 

I strongly demand reopening the above-mentioned case. what had happened was on XX/XX/XXXX, around XXXX AM XXXX time, I had talked on the phone of XXXXXXXX XXXX XXXX XXXXXXXX, with XXXX XXXX. And she said rudely after letting me wait on the phone for XXXX minutes, " I formally inform you we closed your account now, '' " your account has been closed and zeroed out. '' ( I believe that our phone conversation been recorded ) On the same day I received their email, indicating my account closed, Please see attached email uploaded by me. And I immediately open my account through mobile phone APP. And the screen popped up " account has been closed '' I couldn't see any information left. Then I deleted my Mobile APP of CITI bank. However, Today XX/XX/XXXX I received email from them saying the account still open and owing them the money inflated by them few hundreds more, Like for instance, the account ending in XXXX of which I only owed them {$300.00} before they closed, they illegally inflated to {$350.00} and minimum pay is {$83.00} per month for never-ending payments. 
Please help me stop their malicious business practice or let me know the authoritative agency that I could contact to bring CITI to the control and we could come up with reasonable solution without my being marauded by CITI.

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 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am filing this CFPB complaint to formally demand validation of the alleged debt being reported by Portfolio Recovery Associates. My attached validation request letter lists the specific documents they must produce under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. I am deliberately using the CFPB system to ensure my request is officially recorded, forwarded, and enforced. Portfolio Recovery Associates can not lawfully continue reporting or collecting without proper validation. 
I also demand information to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA, including : A. The Date of First Delinquency ; B. The date the account was charged off ; and C. The date the account was acquired by or assigned to Portfolio Recovery Associates .

Company response to consumer: Closed with non-monetary relief