vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account No. XXXX To Whom It May Concern : I am formally disputing the alleged debt referenced above. I request full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). You must provide competent evidence that I am legally obligated to pay this debt and that your company has the lawful authority and ownership rights necessary to collect it. Specifically, provide the following : Proof of the original creditor and original account ; A complete accounting of the alleged balance ; Copies of any contracts or agreements bearing my signature ; Documentation proving your legal ownership of the debt or assignment rights to collect it ; A complete chain of title showing how the alleged debt was transferred ; Proof that the debt is legally enforceable and within the applicable statute of limitations. Until such documentation is provided, I dispute this debt in its entirety. Additionally, I demand that all future communications regarding this matter be made strictly in writing by mail only. Telephone calls, automated calls, text messages, emails, or other forms of communication are inconvenient and are hereby refused. Any continued non-written communications after receipt of this notice may be documented as harassment and reported as potential violations of the FDCPA and applicable consumer protection laws. If you are unable to fully validate this debt and your legal authority to collect it, you must immediately cease collection activity and remove all related reporting associated with this alleged debt from all consumer reporting agencies, including but not limited to XXXX XXXX XXXX XXXX Reporting disputed or unverifiable information to consumer reporting agencies may constitute violations of the Fair Credit Reporting Act ( FCRA ). This letter is not an acknowledgment or acceptance of liability for the alleged debt and does not grant permission to restart or extend any statute of limitations. I expect your written response within the time required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I am filing a complaint against Citibank regarding a {$2400.00} balance transfer dated XX/XX/XXXX that I never received. At the time of the request, I mistakenly entered my checking account number instead of a credit card account. As a result, the transfer did not go to a valid credit account, and no funds were ever deposited into my checking account. I have verified through my bank statements that no deposit was received. Despite this, Citibank placed a {$2400.00} balance on my account. I have since made payments toward this balance, even though I never received the funds. I have contacted Citibank and submitted a formal dispute via certified mail that was delivered XX/XX/XXXX, requesting an ACH trace and documentation showing where the funds were sent. At this time, I have not received proof that the funds were successfully delivered to me. I am being charged for funds I never received, and I am requesting a full investigation and resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened the credit card for XXXX XXXX through Commenity Bank and used it for a few purchases but found keeping track of the billing to be too erratic since an order is rarely completely in stock when it is placed. Instead you are billed as things are back in stock which means multiple charges till the order is completely filled. So when I paid the statement balance of {$54.00} I closed the account on XX/XX/year>. A few weeks later I received a statement showing a balance due of {$3.00}. I looked at the statement activity and was completely confused on why there were transactions on a closed account as well as fees. Today XX/XX/year> I spoke with a supervisor at XXXX XXXX who said she would issue a credit of {$4.00} to the account should cover the original balance prior to the additional late fees. She said to call Commenity and ask them to reverse the late fees. When I called Commenity to let them know what I had been told by XXXX they told me they would not reverse the late fees and that they would keep accruing. This is pure greed and gotcha kind of behavior. This is despicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
submitted account of what happened : Required Questions : XXXX. What is your legal name, $ cashtag, email address, and/or phone number linked to your account? XXXX XXXX XXXX $ vernbooker XXXX ( XXXX ) XXXX XXXX. What is the date and amount of each transaction related to the issue? XX/XX/XXXX, XXXX someone named XXXX XXXX never XXXX of not XXXX of my contact XXXX. {$3.00} XXXX. {$3.00} XXXX. {$1.00} XX/XX/XXXX, XXXX XXXX. Add money capital XXXX bank {$260.00} XXXX. Repayment {$260.00} XXXX. Add money {$250.00} XXXX. Repayment {$250.00} XXXX. Borrowed {$500.00} XXXX. XXXX- {$6.00}, {$60.00}, {$99.00}, {$200.00}, {$130.00}, XXXX. Add money {$520.00} XXXX. Borrowed {$500.00} XXXX. XXXX- {$450.00} XXXX. Repayment- {$520.00} XXXX. Add money {$81.00} XXXX. Add money {$130.00} XXXX. Borrowed {$250.00} XXXX. XXXX {$250.00} XXXX. Repayment {$130.00} XXXX. Repayment {$130.00} XXXX. How would you describe what happened? I checked my account Friday morning, XX/XX/year>. I had almost {$1300.00} Later that morning, my XXXX XXXX checking acct was empty. All of my money was gone labeled CashApp. My card ending XXXX was in my cashapp account. I checked my cashapp account and noticed all the transactions listed above. I had nothing to do with any of those transactions. Whoever XXXX is hacked my account and took my money. From my capital XXXX acct XX/XX/year> - {$81.00} cashapp purchase {$520.00} cashapp purchase {$130.00} cashapp purchase {$250.00} cashapp purchase {$260.00} cashapp purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I submitted a wire transfer From my E-trade account under XXXX XXXX XXXX XXXX XXXX to send {$200000.00} to my Robinhood XXXX account and Robinhood partner with XXXX XXXXXXXX XXXX I accidently submited with incorrect account number, missing XXXX digit in the account number. The fund did not go to my Robinhood Checking account. I have contacted with XXXX costumer service for 10 days. They said to me they did summit recall but they tell me they can't trace the wire, and not responsible for that. They told me it is depending on receiving bank, asked me to contact them to trace. However Robinhood Banking and XXXX XXXXXXXX XXXX told me that XXXX should be able to trace the wire because they are the sender institution. Robinhood couldn't see anything in my account and told me the missing XXXX digit number leading to invalid account number, the fund was rejected back to XXXX, the wire was failed. XXXX did not tell me which clear path to get the money back. I came back to check with XXXX, they said the money is currently in receiving bank Robinhood/XXXX XXXXXXXX XXXX ( Robinhood bank partner ). I called Robinhood banking costumer service multiple times but they refused to help me! I attached the wired records in the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX around XXXX XXXX, I logged into my Citi bank phone app in XXXX to check on a bank deposit and noticed that my Certificate of Deposit ( CD ) account was closed. On XX/XX/XXXX at XXXX XXXX, I went to Citi bank to inquire about this closure, I was told {$63000.00} was withdrawn from my CD account and closed in New York. This was not with my authorization. The staff could not tell me how this happened, a " Statement of Unauthorized Use for claims of Forgery, Alteration, Counterfeit, or Unauthorized Remotely Created Check '' was filed on behalf of the bank on XX/XX/XXXX. After this occurrence, a case was opened with Citi bank to which we were called multiple times for status updates, including XX/XX/XXXX, XX/XX/XXXX, XXXX, and finally XX/XX/XXXX to which we were told that the claim was denied. I would like to reopen this investigation for reimbursement of {$63000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/26 a fraudulent ACH charge for {$1000.00} was placed on my checking account at Wells Fargo Bank. The charge was for paying a credit card payment under an individual named " XXXX XXXX ''. I have no relationship to this individual. On XX/XX/26 I noticed the fraudulent charge and immediately filed a report with Wells Fargo. This was less than XXXX hours after the incident. Wells Fargo did a review and issued me a letter stating the fraudulent XXXX would not be refunded due to it being over XXXX hours since the transaction occurred. It was under XXXX hours and I have proof via my cell phone records. Wells Fargo 's own internal records will confirm this. I filed another dispute regarding their refusal to refund the transaction. This was several weeks ago and they have refused to refund the fraudulent transaction. I did not authorize the XXXX transaction. The letter they sent me literally states that I have to notify them within XXXX hours of the fraud occurring and also states that I DID NOTIFY them within XXXX hours of the fraud occurring. If you read their letter ... it is clear that Wells Fargo is in the wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX deposited {$1900.00} into my account using a Wells Fargo ATM with XXXX. The amount was not deposited into my account & called the bank the next morning to report the issue. I was informed there were multiple issues with deposits and that the bank was working on it. Later that day, {$1400.00} was deposited into my account which is {$500.00} less than my deposit. I have repeatedly called and reported the discrepancy and was informed that they are working on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Moore Law Group
State: CA

Complaint narrative:
Good day, I am disputing a collection account that is unverified and does not belong to me. I have been subjected to repeated harassment and threats regarding a debt I neither authorized nor owe. This conduct is unacceptable and a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
XXXX XXXX put an inquiry on my credit report without my permission. I told XXXX XXXX not to put an inquiry on my credit report because I was no longer considering a loan. I told XXXX XXXX that I was going to pay cash and that I wasn't going to get a loan from them. XXXX XXXX checked my credit thereby puting a hard inquiry on my credit report after I told them not to do it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CA

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a credit card dispute involving a merchants refusal to honor its published return policy. I attempted to return merchandise within the merchants stated 30-day return period and complied with all requested conditions, including providing photos of the original packaging. Despite this, the merchant refused to provide a return label or permit the return process to proceed. Citibank denied the dispute because I still possess the merchandise and because the merchant declined to issue credit. However, I only retain possession because the merchant refused to facilitate the return after my timely request. My concern is that neither the merchant nor Citibank addressed the central issue : the merchant prevented the return from occurring while simultaneously relying on my continued possession of the item as justification to deny the refund. Citibank also stated that no further options are available due to elapsed time, despite the fact that my return request was made within the merchants stated return period. I am requesting a supervisory review of whether Citi reasonably evaluated the merchants refusal to facilitate a timely return under its advertised policy. Additional documentation attached to this complaint directly contradicts the merchants representations made to Citibank during the dispute process. The merchant stated to Citibank that return labels had been provided and that they were willing to process a refund upon return of the merchandise. However, the attached live chat screenshots from XX/XX/year> show the opposite. In the screenshots : I informed the merchant that I had the original packaging and provided the requested packaging photos The merchant stated they would not be processing a return The merchant closed the request entirely No return label was provided These communications occurred within the merchants published 30-day return period. My concern is that Citibank relied on inaccurate or incomplete merchant representations during the dispute review process, while disregarding evidence showing that the merchant denied the return outright during the valid return window.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Good day. I can not stress enough how frustrating and debilitating this situation has been. I discovered two collection accounts on my credit report for debts that I do not recognize, can not verify, and do not believe belong to me. Since then, I have been subjected to repeated harassment through multiple communication methods and tactics, including threats of legal action, which has caused me extreme emotional distress. As a law-abiding consumer, I find it insulting and unacceptable to have my rights violated in this manner. This situation has taken a serious toll on my mental well-being and has caused several sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I am filing this complaint regarding a delayed total loss insurance payoff involving my vehicle loan serviced through Westlake Portfolio Management. Account number XXXX. My son was involved in an accident on XX/XX/year> and the vehicle was deemed a total loss by XXXX, our insurance company. The insurance settlement amount is sufficient to pay off the remaining loan balance and release the remaining equity owed to us. However, XXXX has confirmed that payment is currently being delayed because the payoff amount listed in the Westlake/XXXX online insurance portal does not match the payoff amount listed on the Letter of Guarantee provided by Westlake. The insurance online portal payoff amount according to XXXX shows {$2500.00}, while the Letter of Guarantee payoff amount shows {$2600.00} ( as of XX/XX/year> ). I have been a constant middle man between XXXX and Westlake, with XXXX never receiving the Letter of Guarantee from Westlake. I had to literally have a customer service rep at Westlake email me the Letter of Guarantee dated XX/XX/year> and I uploaded this to XXXX. The letter also includes a 15 day payoff until XX/XX/year> for an amount of {$2600.00}. Although XXXX has finally received the Letter of Guarantee ( through me ), they advised that until these amounts match in the system, they are unable to issue payment. XXXX has reached out multiple times to Westlake, without any response. This is now delaying payoff of the loan and delaying release of the remaining insurance settlement funds owed to us. I have made multiple attempts to resolve this issue directly with Westlake. During these attempts : - Representatives repeatedly attempted to transfer me to the insurance/total loss department but stated nobody was answering. - I was placed on extended holds multiple times. - I was provided multiple phone numbers for the insurance department, but those numbers routed back to the general customer service line. - I requested supervisor assistance and was told no supervisor was available. - Messages and callback requests were supposedly submitted, but the issue remains unresolved. At this point, XXXX has confirmed that the issue is specifically related to the mismatch between the insurance online portal payoff amount and the Letter of Guarantee payoff amount. I am requesting that Westlake immediately correct the payoff information discrepancy and provide the accurate payoff information necessary for XXXX to issue payment and release the remaining settlement funds owed to us. Side note, we were told by XXXX total loss dept that Westlake normally knows this process but Westlake now uses a 3rd party to handle its insurance claims ; this 3rd party is called XXXX and they are an AI company. Perhaps this may explain why no one is able to get through to anyone at all in this dept, even Westlakes own customer service representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TN

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Solar Mosaic LLC
State: SC

Complaint narrative:
I am filing this complaint against Solar Servicing LLC ( successor to Mosaic LLC ) regarding solar loan account. In XXXX, I signed loan documents with Mosaic ( now serviced by Solar Servicing ) for a solar installation by XXXX XXXX XXXX. I signed with the clear understanding and intention that this loan was contingent on receiving the solar panels and installation services. I canceled the project with XXXX XXXX before any site visit, equipment delivery, or installation occurred. No goods or services were ever provided to me. On XX/XX/XXXX I filed a complaint regarding this matter. XXXX XXXX has since filed for bankruptcy ( XX/XX/XXXX ) and is unresponsive, so they can not provide a formal cancellation letter. Solar Servicing is now demanding payments starting in XXXX for a system I never received. I have already sent them a formal dispute letter explaining the cancellation and invoking the FTC Holder Rule, which holds the lender subject to all claims and defenses I have against the original seller. I formally dispute the entire debt. I request : Immediate closure of the account with a XXXX balance. No further collection attempts, interest, or late fees. Removal of any negative reporting from my credit reports. Written confirmation of the above within 15 days. This situation has caused me significant stress and financial hardship, as I never received any benefit from the loan. I have reached out several times over the last year between freedom forever who is currently bankrupt, and mosaic prior to solar financing acquiring them about cancelation. Several emails sent back and forth still no loan cancelation. I was told today when I called XXXX XXXXXXXX they required a written letter from XXXX XXXX to start the cancelation process, but even then would take 4 to 5 months to cancel the loan. This is impossible considering XXXX XXXX is in bankruptcy and I can not get ahold of anyone. I have emails showing that XXXX sent mosaic several cancelation letters while they were in bankruptcy but was told they wouldn't be able to until mosaic was out of the bankruptcy. XXXX XXXX bought this company and now I am still dealing with the mess left behind. This feels like a scam and should be resolved soon.

Company response to consumer: Closed with explanation