vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a complaint regarding a debt that was improperly sent to collections without giving me a fair opportunity to resolve it, along with ongoing issues with inaccurate debt amounts and concerning collection practices. In XXXX, I lived at XXXX XXXX XXXX XXXX. Shortly after I moved out, the property was sold to a new owner. During this transition, I was unable to contact the property management despite multiple attempts to resolve an alleged balance. I was later informed that the account had already been sent to a collection agency without prior notice or an opportunity to make payment arrangements. This lack of communication is deeply concerning. The original amount I was told I owed was {$2600.00}, allegedly for early termination fees. However, according to my lease agreement, I fulfilled the required 60-day notice, which should have limited any charges to cleaning-related costs only. Additionally, I paid a {$500.00} transfer fee within the community in good faith to avoid lease-breaking penalties. The collection agency is now claiming I owe {$3500.00} and states that daily interest is being added. I have repeatedly disputed this amount and requested validation of the debt, but my concerns have not been properly addressed. Furthermore, representatives from the collection agency have used intimidating and misleading language, stating that I will be unable to purchase a home or rent another apartment due to this debt. These statements appear to be scare tactics and are inappropriate. I also want to note that my tenancy was impacted by serious safety concerns. My neighbors engaged in aggressive and threatening behavior, including kicking my door and leaving trash at my doorstep while my XXXX child was inside. I reported these incidents, and the neighbors were eventually removed for violating lease terms. This situation contributed significantly to my decision to leave. I have documentation, including my lease agreement, proof of notice, payment records, and communication history, to support my claims. I appreciate your assistance in resolving this matter fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
THE CONSOLIDATED ULTIMATE CFPB COMPLAINT SUBMITTED BY : XXXX XXXX ( Advocate/Witness ) on behalf of XXXX XXXX XXXX XXXX Wells Fargo Bank , N.A . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) LOAN # : XXXX PART 1 : THE DOCUMENTED LIE ( THE " XXXX GAP '' ) In their formal response dated XX/XX/XXXX, Wells Fargo asserts that the one-month " XX/XX/XXXX Gap '' in the borrower 's forbearance was legitimate because " XXXX was not mentioned '' on a phone call. This is a demonstrably false statement and a direct attempt to mislead a federal regulator. The Evidence : I am submitting an email from Wells Fargo dated XX/XX/XXXX ( Exhibit B ). In this email, the banks own staff confirms that during the XX/XX/XXXX call, XXXX " explicitly requested a forbearance extension. '' The Logic : Since the current plan expired on XX/XX/XXXX, an " extension '' by definition starts on XX/XX/XXXX. The XXXX : Wells Fargo acknowledged the extension request in writing on XX/XX/XXXX but willfully omitted XXXX from the plan to manufacture a " permanent default '' that could never be cured. Wells Fargo is now lying to the CFPB to cover up this administrative sabotage. PART XXXX : ACCOUNTING FRAUD & SUSPENSE ACCOUNT SIPHONING The bank utilized the " structural change '' of an emergency bankruptcy to hide the siphoning of XXXX XXXX. XXXX Performance : XXXX made five ( 5 ) consecutive full payments ( XX/XX/XXXX XX/XX/XXXX ). The XXXX XXXX Statements : Despite receiving full payments of {$2400.00}, the bank diverted {$2200.00} into " Unapplied Funds '' while simultaneously charging the account {$2700.00} in back-dated " Attorney Fee '' advances. The Violation : This is " Double-Counting '' of debt and a violation of the Prompt Crediting Rule ( 12 C.F.R. 1026.36 ). PART 3 : THE " PROPRIETARY '' OBSTRUCTION Wells Fargos response to my 8 RFIs is a total admission of guilt. They labeled XXXX own call logs and transcriptsevidence of her being " coached '' into default by XXXX XXXX in XXXX " XXXX XXXX. '' * The Law : Under 12 C.F.R. 1024.36, account history and communication logs are NOT proprietary ; they are the borrower 's administrative record. Wells Fargo is suppressing evidence to hide representative misconduct THE EVIDENCE PROVES THIS IS A PREPACKAGED FORECLOSURE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and reflects a {$0.00} balance. I have documentation confirming payment and account closure. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this with the credit bureau, and it was marked as verified without proper documentation being provided as required under the Fair Credit Reporting Act ( FCRA ). Additionally, this account has been paid and resolved, and the continued reporting of this account is inaccurate and misleading. I am requesting a full investigation. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history. If the company can not provide proper verification, this account must be deleted from all credit reporting agencies immediately. Continued reporting of inaccurate or unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: TX

Complaint narrative:
So i bougth this product from a shop and was defective so i reported to the app that i used to be XXXX cash app after 10 day of making this reported them saend me a email send me a email saying that i was going agains ther terms so they decided to close my account that i could withdrawal my funds but when i try to logging to my accoun it was not appearing so i called them told to appeal i have a appeal more than 3 times already y haven got an answer from them and this is also affecting me cause am having trouble oppening an account in other bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems Inc. ( TSI ) sent me a collection notice dated XX/XX/year> ( File # XXXX ) for {$74.00} owed to XXXX for package pickups. XXXX never notified me of any fees before or during the service ( no emails, app alerts, invoices, or terms disclosure ). This violates FDCPA ( 15 USC 1692g ) and CA Rosenthal Act. I dispute the debt in full. Provide validation : original invoices, proof of notice/agreement, fee breakdown. Cease all collection until validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account listed on my credit report that I do not recognize and did not authorize. The account in question is listed as : Creditor/Collection Agency : JEFFERSON CAPITAL SYSTEMS XXXX have no knowledge of this account and did not sign any agreement or contract with this company. As such, I believe this account has been reported in error or may be the result of unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a thorough investigation into this matter. Please provide verification of this debt, including any documentation bearing my signature that proves I am legally responsible for this account. If you are unable to verify this information, I request that this account be removed from my credit report immediately. Additionally, please send me written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow-up complaint to a previously closed case regarding the same transaction. I am resubmitting under a different dispute basis : services not rendered. To Whom It May Concern, This is a follow-up complaint regarding a previously closed case involving a {$290.00} charge from XXXX. I am resubmitting this complaint under a corrected and more accurate basis, as the prior investigation by Chase relied on incorrect information. First, Chases response states that I canceled the appointment on the same day, outside of the XXXX cancellation window. This is inaccurate. I canceled my appointment the day prior, within the appropriate timeframe, and I also contacted Chase at that time to report the issue. This directly contradicts the merchants claim and the conclusion reached by Chase. Second, regardless of the dispute regarding cancellation timing, the core issue remains unresolved : No service was ever provided, yet the merchant retained full payment. Retaining 100 % of payment without rendering any service constitutes an unfair billing practice. Additionally, the merchant did not provide a reasonable resolution, such as rescheduling or partial refund. Chases decision appears to rely solely on the merchants version of events without adequately considering my documentation or timeline, resulting in an inaccurate and incomplete investigation. Given these facts, I am requesting : A reinvestigation of this dispute with accurate consideration of the cancellation timeline Review under the basis of services not rendered Appropriate credit for the disputed charge If this matter is not resolved, I am prepared to pursue further action through additional regulatory and legal channels. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint against Santander Consumer USA XXXX regarding failure to validate a disputed account, improper collection activity, and an attempted repossession involving aggressive and unprofessional conduct. I formally disputed this account and requested verification, including a full accounting of the alleged debt, APR and finance charge validation, and documentation of add-on products and disclosures. Santander failed to provide the requested documentation and instead issued a generic response that relied solely on the existence of a signed contract. This does not constitute proper validation of the debt. On XX/XX/year>, between approximately XXXX AM and XXXX AM, a repossession agent acting on behalf of Santander entered my residential driveway and hooked my vehicle. The vehicle alarm alerted me, and I immediately went outside and objected to the repossession. During this interaction, the agent refused to identify himself or the company he represented. He used aggressive and inappropriate language, including telling me to shut the XXXX up. He failed to provide any documentation showing authority to repossess the vehicle and continued the repossession activity after I objected. The agent ultimately released the vehicle and left the property. This conduct raises serious concerns regarding a breach of the peace during a self-help repossession, as well as improper collection activity on an account that remains in dispute and has not been properly validated. Additionally, Santander has charged off the account without resolving the dispute or providing the requested documentation, while continuing to treat the account as valid. I believe these actions raise concerns under the Fair Credit Reporting Act ( FCRA ) regarding the reporting of unverified information, the Truth in Lending Act ( TILA ) regarding disclosure accuracy, and the Consumer Financial Protection Act regarding unfair and deceptive practices. I am requesting that Santander Consumer USA Inc. be required to : 1. Provide full validation and accounting of the alleged debt 2. Identify the repossession company and agent involved 3. Provide documentation authorizing the repossession attempt 4. Cease all collection and repossession activity until the dispute is properly resolved 5. Correct or remove any inaccurate credit reporting associated with this account This complaint is based on direct experience and documented interactions with the company. Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates LLC is reporting an alleged collection account of {$2400.00} on my credit reports with a fraudulently re-aged " Placed for collection '' date of XX/XX/XXXX despite the underlying alleged debt 's delinquency predating that date by years. This constitutes deliberate re-aging in violation of FCRA 623 ( a ) ( 5 ). Portfolio Recovery sent me emails on XX/XX/XXXX and XX/XX/XXXX explicitly acknowledging this alleged debt is time-barred, stating : " Because of the age of your debt, we will not sue you for it. '' Despite this written acknowledgment of time-barred status Portfolio Recovery continues reporting this account as an active open collection constituting misrepresentation of the legal status of this alleged debt under FDCPA 1692e. Portfolio Recovery 's own emails confirm XXXX XXXX XXXX. as the original creditor. However Portfolio Recovery reports No Information for the original creditor on my XXXX credit file while TransUnion correctly shows XXXX XXXX XXXX. This documented cross-bureau inconsistency proves Portfolio Recovery can not consistently verify basic account information across bureaus. Portfolio Recovery sent collection emails on XX/XX/XXXX and XX/XX/XXXX while active bureau reinvestigations were running at both XXXX and XXXX continuing collection activity during the active dispute period. I submitted formal written disputes to all three credit bureaus via certified mail delivered XXXX XXXX XXXX XXXX completed their reinvestigation on XX/XX/XXXX and verified this account despite all documented violations. XXXX 's own report uses the remark " DISP INVG COMP-CONSUM DISAGRS '' acknowledging the consumer disputes this outcome. I am demanding immediate deletion of this alleged account from all three credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am writing to dispute the reporting of late payments on my account, referenced below. I WAS NEVER LATE ON THIS ACCOUNT! Please provide documentation that clearly supports your claim that I was late, including any transactions that would indicate such. If you are unable to provide this documentation, I kindly request that you immediately delete these alleged late payments from my credit report and update the account status to " paid as agreed. '' CBNA - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
Identity theft the card was stolen and used and Im still being charged for it causing me to not be able to get bank accounts

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: TomoCredit Inc.
State: IL

Complaint narrative:
Company Name : Tomo ( TomoCredit / TomoBoost ) Product : Credit card Complaint : On XX/XX/year>, I paid {$990.00} for Tomos VIP membership, which was marketed as providing access to a credit line of up to {$100000.00}. After payment, I did not receive the advertised service. My account remained in a pending status with no credit line issued, no approval or denial decision, and no clear timeline. I repeatedly contacted the company requesting updates and ultimately requested a full refund due to non-delivery. Despite multiple refund requests, Tomo refused to issue a refund. The company continued to delay resolution by requesting additional documents, offering extensions, and redirecting me to other features instead of delivering the core product I paid for. Their communications focused on upselling features like credit monitoring and dispute services, which are not equivalent to the advertised credit line access. I made several written requests for a refund over an extended period and clearly stated that I had not received any meaningful service. Tomo acknowledged my cancellation but stated they would not provide a refund while continuing to reference their terms and conditions. At no point did Tomo provide the primary benefit that justified the {$990.00} payment. This is a failure to deliver a paid financial product and appears to be a deceptive practice. The company is retaining payment for a service that was not rendered. Additionally, keeping my account in a prolonged pending status without resolution interfered with my ability to pursue alternative credit options elsewhere, causing financial harm. Desired Resolution : I am requesting : A full refund of {$990.00} due to non-delivery of the advertised credit product AND A formal explanation of why the credit product was not issued, including the underwriting criteria used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and currently reflects a {$0.00} balance. I have documentation confirming payment and that the account has been closed and returned to the original creditor. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this account with the credit bureau, and it was marked as verified, however no proper documentation was provided to me as required under the Fair Credit Reporting Act ( FCRA ). Additionally, since the account has been paid and returned to the original creditor, the collection agency no longer has permissible purpose or legal authority to continue reporting this account. I am requesting that this account be fully investigated. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history. If the company can not provide this information, I am requesting immediate deletion of this account from all credit reporting agencies. Continued reporting of inaccurate or unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: IL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a collection agency. This account has been paid in full and currently reflects a {$0.00} balance. I have documentation confirming payment and that the account has been closed and returned to the original creditor. Despite this, the collection agency continues to report this account on my credit report. I previously disputed this account with the credit bureau, and it was marked as verified, however no proper documentation was provided to me as required under the Fair Credit Reporting Act ( FCRA ). Additionally, since the account has been paid and returned to the original creditor, the collection agency no longer has permissible purpose or legal authority to continue reporting this account. I am requesting that this account be fully investigated. Please provide complete verification, including proof of authority to report, full account documentation, and reporting history. If the company can not provide this information, I am requesting immediate deletion of this account from all credit reporting agencies. Continued reporting of inaccurate or unverifiable information is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Company response to consumer: Closed with explanation