vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KILOWATT FINANCIAL, LLC, A SPRUCE FINANCE COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Spruce XXXX regarding improper debt collection activity tied to a non-functioning solar system. The company took over my account from XXXX and has been billing me monthly despite the solar system significantly underperforming and not generating expected electricity. I have repeatedly notified the company of this issue and requested inspection and repair, but no corrective action has been taken. Instead of addressing the system failure, Spruce XXXX continues to send collection notices and demand payment for a service that is not being properly delivered. I have formally disputed the charges and requested suspension of billing and collection activity until the system is repaired. However, they continue collection efforts without resolving the underlying issue. This appears to be an unfair and deceptive practicebilling and attempting to collect payment for a non-functional or deficient service. I am requesting : Immediate investigation and repair of the solar system Suspension of all billing and collection activity during the dispute Removal or prevention of any negative credit reporting Account credits for periods of underperformance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
Subject : URGENT : Unauthorized Withdrawal Dispute Immediate Action Required Dear Sir or Madam, I am writing to formally dispute an unauthorized electronic withdrawal from my account. On XX/XX/year>, I authorized a single payment of {$580.00} and ONE LATE FEE {$29.00} ( XXXX payment plus one late fee ). I clearly instructed your representative multiple times that only one payment was to be processed. Despite this, approximately {$1100.00} was withdrawn from my account, representing two payments and two late fees. This additional withdrawal was not authorized. They deducted the XXXX payment due date XXXX XXXX 10 day grace period XX/XX/XXXX is the last day to pay. She attempted to charge me two late fees XXXX and XXXX! XXXX not late. I said repeatedly it is in imperative XXXX payment only along with the XXXX late fee. I was very upset. The person live with me left without paying left me an alert with no money XXXX taking double payment double late fees. I have no way to support myself until I get paid in XXXX In my heart of hearts, I believe that the XXXX employee did this intentionally because she did verbally state XXXX payment XXXX late fee! I apologize to her because I was extremely upset over, not having enough money to pay my bills over the person, leaving without paying money they owed it was not her fault I apologize despite my apology I believe that she will fully did this in retaliation This error has caused immediate financial hardship, leaving me without funds for basic necessities including food, gas, and essential living expenses. This constitutes a formal error under the Electronic Fund Transfer Act ( Regulation E ). I am requesting the following immediate actions : Reversal of the unauthorized second payment and late fee Full investigation under Regulation E Immediate provisional credit to my account Written confirmation of corrective action This matter requires urgent resolution. Sincerely, XXXX XXXX This requires an urgent resolution. I have XXXX XXXX have to see the doctor and no money is available for my copayments and my medication.O

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Complaint Against : Credence Resource Management XXXX XXXX Issue : Debt Collection Failure to Validate/ Continued Collection Activity I am filing this complaint regarding Credence Resource Management XXXX XXXX in connection with an alleged debt purportedly originating from XXXX XXXX XXXX XXXX. The company has repeatedly contacted me regarding this alleged account, including communications dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. I formally disputed this alleged debt and requested validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite this, Credence Resource Management has continued collection activity without providing sufficient validation, including proof of assignment, chain of title, or a contract bearing my signature. Their continued attempts to collect without proper validation constitute violations of federal law, including : - XXXX U.S.C. XXXX ( b ) - XXXX U.S.C. XXXX - XXXX U.S.C. XXXX Additionally, any furnishing of information without verification may violate the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Dear CFPB officer, The thing was whom opened up the Citibank account of credit card as using my SSN information to apply for this credit card, as I didnt have applied for. Now I have summited my request to the Citibank credit card company to close the account, also I am not able to get this physical card to closing my credit card account.please assist me to close this credit card account.thank you very much and please close my credit card account of Citibank credit cards as soon as possible.thank you for your 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 non-monetary relief
Consumer complaint received 2026-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On or about XX/XX/year>, I attempted to complete a Western Union transaction under {$100.00} ( approximately {$50.00} ) at an XXXX location in XXXX XXXX CA ( XXXX XXXX and CA XXXX XXXX ) I was accompanied by my care provider, XXXX XXXX ( In Home Supportive Services care Provider No. XXXX ) XXXX XXXX. The transaction included a valid security question, which should have been sufficient under standard Western Union procedures for low-value transfers. The money originated from my XXXX, from XXXX, PA. However : XXXX ( employee ) refused to process the transaction XXXX ( XXXX manager ) upheld the refusal Staff demanded additional identification beyond what is required for a sub- {$100.00} transaction The transaction was denied outright without lawful justification IMPACT This denial : Prevented access to lawfully transferred funds Caused financial disruption and hardship Created confusion regarding Western Union policy compliance Occurred in a context where I have already experienced hostility and inconsistent treatment at this location PATTERN OF CONDUCT This incident is not isolated. It occurred alongside : Prior interference with XXXX transactions XXXX conduct by the same staff Ongoing denial of equal access to services This suggests inconsistent or discriminatory application of financial service rules. REQUEST FOR RELIEF I respectfully request that the CFPB : Investigate the conduct of XXXX XXXX and its handling of Western Union services Determine whether policy violations occurred regarding ID requirements Require correction of improper practices Ensure that consumers can access funds without unlawful obstruction Provide a formal explanation of the denial DESIRED RESOLUTION Written explanation of why the transaction was denied Confirmation of correct Western Union policy for low-value transactions Assurance that future transactions will not be improperly blocked Any corrective action deemed appropriate SUPPORTING PARTIES XXXX XXXX ( XXXXXXXX Care Provider, Witness ) neighbor also witness who experienced mistreatment by the cashier 's as well his name is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ

Complaint narrative:
I am disputing an inaccurately reported collection account related to a former apartment lease. The original delinquency occurred in XX/XX/XXXX, when an eviction notice was issued on XX/XX/XXXX. However, the collection account is being reported with a much later date ( XXXX ), which does not reflect the true date of first delinquency. This creates an inaccurate timeline for the debt. In addition, a prior version of this same collection account ( reported under a similar Genesis name ) was previously removed from my credit report on XX/XX/XXXX. After being deleted, the account was later re-reported under a slightly different name. I did not receive any notification that this account was being reinserted into my credit file. I have disputed this issue multiple times through the credit bureau, but the disputes have been repeatedly denied without correcting the inaccurate reporting. One of my most recent disputes has remained unresolved for an extended period of time. Due to the incorrect reporting of the date of first delinquency, the prior deletion of a similar account, and the lack of proper reinsertion notice, I am requesting a full investigation. I request that the company either correct the reporting to reflect the accurate date of first delinquency ( XX/XX/XXXX ) or remove the account entirely if it can not be properly verified and reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 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:
I received my ssd XXXX in my account on the XXXX of the month of XXXX and my account is still pending along with XXXX other transactions. I called Wellfargo about this matter twice before and their statement to me was that should not happen because it normally would clear in a day not a week for transactions to continuously be pending for over a week. Which I noticed they also try to back date my purchases to match there records which is illegal. Things that would take a day is taking XXXX to 7 days to clear. Which is inconsistent inconvenient for me as a customer as well as I requested a transfer on the XXXX and it has been placed on a schedule hold which I didnt confirm. I also inconveniently encountered a third party associated with my Wellfargo card when call Wellfargo I am greeting with life alert on the other end this has happened numerous of time I spoke to Wellfargo and the investigation team which also sent me verbal and written verification they know and have not fixed it. I also spoke with life alert about being a third party of Wellfargo without customer knowledge or approval. In the process of trying to call Wellfargo about my account not being correct I was getting greeting with this instead which cause my account to be unclear and unmanaged clearly due to not being able to accessing the correct agency on the line which is Wellfargo not life alert. Due to all of this my account is being unmanaged, over charged and unreliable service by Wellfargos team.

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 2026-04-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
I'm a father of three boys age XXXX XXXX and XXXX I currently facing financial hardship as I turn to the lender I was approved for a loan of {$2500.00} Making payment of {$230.00} every two weeks this is very hard for me. More on top of this I notice that they said after getting a loan of {$2500.00} I should pay back about {$4700.00} This was not the reason I took the loan and they are causing me more financial distress I was XXXX this company for making my life, and my family in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Capital Services, LLC
State: MI

Complaint narrative:
Dispute letters for the amount of {$1500.00}. Company has placed this on my credit profile and placed it in collection.

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 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding an account with MARINER FINANCE that is being inaccurately reported on my credit reports. Despite this account being paid off, it is currently reported as a Charge-off with an outstanding balance of {$2000.00}. This is a fundamental inaccuracy. Furthermore, there are severe discrepancies in the reported payment history across the three major credit bureaus. For example, one bureau reports zero late payments, while another reports four 90-day late payments, and a third reports seven 90-day late payments. These inconsistencies demonstrate a clear failure to ensure maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I also never provided written consent to MARINER FINANCE to furnish or obtain my personal information, nor did I provide written consent for them to disclose my nonpublic personal information ( NPI ) to third parties, including credit reporting agencies. This unauthorized disclosure, without my express written consent and without providing me with the required notice and opportunity to opt out, constitutes a severe violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802. MARINER FINANCE has failed to comply with debt validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received proper validation of the reported account status, balance, or payment history, nor has MARINER FINANCE provided sufficient proof to substantiate the accuracy of the outstanding balance or the inconsistent late payment marks. I require the original contract with my signature, complete payment history demonstrating the final payment, documentation proving the accuracy of each reported late payment, and proof of compliance with all applicable reporting laws. Without this comprehensive documentation, the reported inaccurate charge-off status, outstanding balance, and inconsistent negative payment history remain unverified, and their presence on my credit report is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I applied for an Indigo Mastercard credit card around the XX/XX/year>. I received the card on XX/XX/year>. Went to activate the card and was on the website for my account and they had taken {$250.00} for a yearly charge which was not mentioned when I applied for the {$1000.00} credit card. I then called the number on the card and told them that they did not disclose the {$250.00} yearly fee. The lady stated that I am sorry and I then stated I would like to close the account before the card is ever used. The agent then stated that we will report to the credit bureau that you closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding an account with OPPLOANS/CC BANK that is being inaccurately reported on my credit reports. This account is currently reported as a Charge-off with an outstanding balance of {$5600.00}. This is a fundamental inaccuracy. Furthermore, there are severe discrepancies in the reported payment history across the three major credit bureaus. For example, XXXX bureau reports XXXX XXXX late payments, while another reports XXXX XXXX late payments. These inconsistencies demonstrate a clear failure to ensure maximum possible accuracy, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I also never provided written consent to OPPLOANSXXXX XXXX to furnish or obtain my personal information, nor did I provide written consent for them to disclose my nonpublic personal information ( NPI ) to third parties, including credit reporting agencies. This unauthorized disclosure, without my express written consent and without providing me with the required notice and opportunity to opt out, constitutes a severe violation of my privacy rights under the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802. OPPLOANSXXXX XXXX has failed to comply with debt validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I have not received proper validation of the reported account status, balance, or payment history, nor has OPPLOANS/XXXX XXXX provided sufficient proof to substantiate the accuracy of the outstanding balance or the inconsistent late payment marks. I require the original contract with my signature, complete payment history, documentation proving the accuracy of each reported late payment, and proof of compliance with all applicable reporting laws. Without this comprehensive documentation, the reported inaccurate charge-off status, outstanding balance, and inconsistent negative payment history remain unverified, and their presence on my credit report is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
Complaint Against Village Capital & Investment LLC I am filing a complaint regarding improper payment handling and refusal to accept a valid mortgage payment. On XX/XX/year>, I made my monthly mortgage payment in good faith. However, the payment was processed using an outdated checking account that remained stored in the companys system, despite my intention to use my current account. The payment was returned due to this issue. As soon as I realized the payment had not cleared, I immediately contacted Village Capital & Investment LLC to correct the issue and make the XXXX payment using the correct account. During my calls : One representative acknowledged the issue and agreed to take my XXXX payment, but the call was disconnected. On subsequent calls, representatives refused to accept my XXXX payment unless I also paid XXXX payment, which is not late yet. One representative refused to provide her name and refused to transfer me to a supervisor. I was ultimately told I must speak with the delinquent loan department, creating further delay. This situation is the result of a payment processing/account storage issue, not a refusal to pay. I made a good-faith effort to pay on time and have continued trying to resolve the issue immediately. By refusing to accept my XXXX payment, the company is : Forcing my account into delinquency unnecessarily Potentially damaging my credit Failing to provide reasonable options to cure a returned payment Preventing access to supervisors or escalation channels I am requesting the following : 1. Immediate acceptance and proper application of my XX/XX/year> payment without requiring XXXX payment 2. Removal of any late fees or penalties related to this issue 3. Assurance that no negative credit reporting will occur due to this error 4. Confirmation that my account will not be treated as delinquent due to this situation 5. Improved access to escalation or supervisory staff when issues arise This matter has caused significant stress and appears to reflect broader servicing issues. I am requesting prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: SC

Complaint narrative:
I send money through money gram to the bank account to my sister on XXXX XXXX noon time which is didnt appear yet its almost 24 hours, before was quick as minutes only.

Company response to consumer: Closed with monetary relief