vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
Issue : Unfair debt collection and inaccurate credit reporting regarding a canceled account and returned equipment. 

Summary of Events : XX/XX/year> : I canceled my XXXX XXXX XXXX XXXX XXXX XXXX during the trial period. Per the instructions of an XXXX XXXX XXXX store associate ( XXXX at the XXXX XXXX location ), I returned the equipment via XXXX. I have a XXXX receipt confirming the equipment was returned and received. 

XX/XX/year> : I contacted XXXX XXXX XXXX  to confirm the account status. Representative " XXXX '' confirmed that the equipment was received, the account was canceled, and the balance should be {$0.00}. 

XX/XX/year> : Despite prior assurances, I received a bill for {$440.00}. I spoke with representatives XXXX XXXX XXXX XXXXXXXX XXXX, who acknowledged the dispute and instructed me to email a specific " leadership '' address. I sent this email immediately with the XXXX receipt attached. 

XX/XX/year> XXXX : I followed XXXX & XXXX instructions and waited the requested XXXX months for a resolution. XXXX XXXX XXXX failed to respond to my emails and failed to investigate my dispute as required by law. 

Current Status : XXXX XXXX XXXX has moved this disputed amount to a debt collection agency. The collection agency is attempting to collect {$440.00} for a debt that is not valid, as the service was canceled and the equipment was returned in XX/XX/year>. 

Violations Noted : Failure to investigate a dispute : The company ignored proof of return and continued billing. 

Inaccurate reporting : Transferring a clearly disputed and invalid debt to a third-party collector. 

Deceptive practices : XXXX provided conflicting information and failed to follow through on promised resolutions. 

Desired Resolution : Immediate removal of the {$440.00} balance from all systems. 

Recall of the debt from the collection agency and a " Notice of Deletion '' if it has been reported to any credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX 

Written confirmation from XXXX XXXX XXXX and the collection agency that the account is closed with a XXXX balance.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I went online to a credit card finder site. I was looking for a 0 % balance transfer for as long as I could. The site told me that the Wells Fargo XXXX card had that. Since Wells Fargo is my bank I signed up. 
When I received the card, I was looking online where I could do the balance transfer. There was nothing, so I thought I had to activate it to see. There still was nothing. I called the number that was given on the site and was told by three different people that it was no problem, they could just change the card without a bit on my credit score. Each person then said hold on, and I was hung up on. I finally got angry and called again, but asked for a manager. She told me the card no longer had that promotion, and I could not change the card without another hit on my credit score. I asked to cancel the card, and how disgruntled I was. We said she will tell the supervisors about the situation and I should get a call from them next week. 
I am not happy my credit score already went down XXXX points because of this, and now will probably go down even more.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I reported suspected fraudulent charges totaling {$270.00} on my Capital One credit card and requested an investigation. Capital One completed the investigation and determined the charges were valid. During the back-and-forth related to the investigation and its outcome, there was confusion regarding my balance and payment responsibility. 
As a result, my account became late by over 30 days. Once I realized the issue wasnt going to get truly resolved, I paid {$270.00} in full in XX/XX/XXXX to bring the account current and prevent further damage to my credit. This was a one-time issue, and I have otherwise maintained my account in good standing. 
I am requesting removal of the late payment from my credit report as a goodwill adjustment due to the circumstances surrounding the investigation and resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a follow-up complaiint to complaing XXXX. The CFPB closed that complaint even though Citibank had not refunded the funds fraudulent charged to my account. Finally, as a result of the prior complaint Citibank acknowledge that the {$4800.00} withdawal was a result of forgery and they refunded my account However, they are denying my claim to a second amount- {$460.00} - fradulently debited to my account in a Debit PIN puurchase of the same day, XX/XX/year>, even thought there was a clear pattern of fraud. I sent and " appeal '' to the bank. 
When requested to investigate the denial, the investigation report had false statements about my account activiy and practive and the location of the fraud. 
I'm attaching a copy of my letter appealing the denial. Personal account information has been redacted. 
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 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am disputing the accuracy and validity of the above-referenced account currently being reported by your company.

Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, I request validation of this alleged debt, including : 1. Proof that this debt belongs to me ; 2. A copy of the original agreement bearing my signature ; 3. An itemized statement of the amount claimed ; 4. Proof of your authority to collect this debt ; 5. The date of first delinquency. 

This request is made without any admission of liability. Until validation is provided, you must cease collection activity, including reporting to consumer reporting agencies. 

If you can not validate, please delete this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
After reviewing my credit report, I discovered items that I did not recognize or apply for. Upon further investigation, I realized my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: PA

Complaint narrative:
I have XXXX qualifying payments. I submitted for XXXX to convert forbearance months during qualifying employment into XXXX payments, which would bring me to XXXX. I have received no response. I am requesting a status and resolution as it has been more than 90 days.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
Paid almost XXXX and left the roach infested apartment. Even came back XX/XX/XXXXdays and cleaned the place Door remained open Manager told me pay what I owe and clean the place and I was good. XXXX yrs later I owe. 
A bunch of crooks!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: RUOFF MORTGAGE
State: IN

Complaint narrative:
This is a follow-up to complaint related to CFPB Complaint # XXXX that was submitted on XX/XX/year>. 

Since filing my original complaint, my mortgage servicer has issued a written appeal denial while simultaneously informing CFPB that my appeal is still under review.

I have not received a written explanation identifying why I do not qualify for an FHA Partial Claim or citing the FHA guideline relied upon.

The appeal was sent to my mortgage company on XX/XX/year>. No FHA guideline was provided.

I am requesting Written clarification of appeal status, Written FHA Basis for denial, and a full, compliant FHA loss mitigation review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Again I've reached out to Goldman sachs bank XX/XX/year> to inform them that I'm a victim of fraud and provided all necessary documents proving so, ive also requested automated universal data form and copy of contract with my wet signature which haven't been provided, me and my consumer attorney also mapped out all violations that Goldman Sachs bank have committed according to the FCRA and XXXX XXXX Compliance standards, i've also made Goldman Sachs Bank aware of all inaccuracies being reported as there are different status being reported to credit reporting agencies. Goldman Sachs bank willfully continues to report negligently to my consumer report ignoring all consumer laws and ignoring CEASE & DESIST DEMAND. Goldman Sachs Bank also have been reporting this account as charged-off status but is still attempting to collect which is enforceable obligation without clarification of cancellation since they have filed this on their taxes which is violation of XXXX XXXX Field 17A, XXXX XXXX Field 24, and Treasury Regulations , 26 C.F.R. 1.6050P-1

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OR

Complaint narrative:
I have been attempting to make payments on my loan since XXXX of XXXX. I have made four payments, all of which have been reversed. I have called the loan servicer regarding my situation and they have either not been helpful or have not answered my phone calls. I have made the following payments : XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$1100.00} XX/XX/XXXX : {$2300.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$1300.00} My account has now gone into delinquency because none of these payments have gone through. My credit score is being affected and I seemingly can not do anything about it because my loan servicer will not answer the phone and will not accept my payments. I called the loan servicer on XX/XX/XXXX of this year to inquire about the payment reversal on XX/XX/XXXX and they were entirely unhelpful in giving me any information. I called my bank to inform them that I would be making payments on this loan and they told me that my payments may be getting reversed because I had labelled the account I was trying to take money from as a savings account instead of a checking account. I went back to the loan servicer and changed my bank account information and called them to inform them of that. I was assured that the payment of {$5000.00} would go through and it did not. I have attempted to call since then and have not been able to get through to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I experienced significant financial harm related to homeowners insurance billing and claim handling that affected my housing costs. A property damage claim was opened but never paid and never repaired, yet insurance charges increased substantially and accumulated. 

The claim was administratively closed without resolution, but the insurance billing continued as if a loss had occurred. These charges impacted my ability to manage housing-related payments, including insurance and escrow-related obligations. 

I attempted to resolve this issue directly with the company, but I have not received a clear explanation of the billing, claim classification, or correction of the charges. 

At the time of filing, Florida state insurance regulator portals were unavailable due to apparent system maintenance or outage. This complaint is submitted to preserve timely documentation of housing-related financial harm.

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 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I accepted an offer from my bank to open a credit card in my name. The card was activated for digital use only, but I never made any purchases with it. The physical card was mailed to me ; however, I never received it. When I checked the tracking information in the banks app, there was no delivery confirmation or clear updates regarding the shipment. 
Later, I discovered unauthorized charges made on this card totaling {$660.00}. I did not make or authorize these transactions, and I did not authorize anyone to use my account or my financial information. 
I reported the situation to the bank as soon as I noticed the fraudulent charges. I am submitting this complaint to document that I was a victim of fraudulent use of a credit card in my name and to request assistance in correcting these charges and protecting my account.

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 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
I have a student loan pending from my recent graduation from college on XXXX XXXX. I have been wondering why my account is on hold and that the IDR form has not been updated, since last year in XX/XX/XXXX, I have been checking with MOHELA. I had my other loan on forbearance because the payments jumped from {$32.00} to {$260.00}. and I want to pay the interest while it is being paused, but also I have submitted IDR update in XX/XX/XXXX. I think my documents were lost or misplaced, because I mailed copies of the form in past XX/XX/XXXX at the beginning of the school year as well as renewed my status via phone calls in this past XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: GA

Complaint narrative:
EdFinancial Services is reporting a XXXX late payment for XX/XX/XXXX across XXXX separate student loan tradelines. This reporting is inaccurate. 

On XX/XX/XXXX, EdFinancial approved forbearance covering the period that includes XX/XX/XXXX. Under approved forbearance, no payment is due. Therefore, the loans should not be reported as delinquent for that month. 

Some versions of the forbearance approval list an effective start date of XX/XX/XXXX, and others list XX/XX/XXXX. Under all versions, XX/XX/XXXX falls within the forbearance period, and no payment obligation existed for that month. 

I disputed the inaccurate XX/XX/XXXX late payment with XXXX XXXX XXXX XXXX. I also contacted EdFinancial directly in writing and requested correction based on the approved forbearance. 

EdFinancial responded by stating it would not investigate the dispute and characterized it as frivolous. The inaccurate XX/XX/XXXX XXXX late payment continues to be reported on all XXXX tradelines across all three credit bureaus. 

I am requesting that EdFinancial correct the inaccurate reporting by removing the XX/XX/XXXX delinquency, notify all credit reporting agencies of the correction, and provide confirmation once the correction is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this CFPB complaint pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to formally request that [ Experian ] block fraudulent information from appearing on my consumer credit report within four ( 4 ) business days of receiving this notice. 
These fraudulent accounts and inquiries are the direct result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I previously filed a complaint regarding this account ( Case # [ Insert Previous Case Number if you have it ] ), and Tek-Collect responded by mailing me a copy of the original contract and a payment history.

This response is Insufficient Validation. 

I am not disputing that a contract was signed ; I am disputing that the debt is valid due to a Breach of Contract by the original seller, XXXX ( XXXX ). XXXX declared bankruptcy and shut down in XX/XX/year>, failing to provide the " Lifetime Smile Guarantee '' and professional orthodontic oversight that were mandatory components of the financed services. 

Tek-Collects own validation package confirms my defense. Page 3 of the contract they mailed me explicitly cites the FTC Holder Rule : " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER ... '' As the holder of this contract, Tek-Collect is subject to the defense that the seller failed to deliver the agreed-upon services. Providing a copy of a signed contract does not prove that the services ( the warranty and oversight ) are being provided. They are not.

By continuing to report this debt after being notified of this specific breach of contract defense, Tek-Collect is violating the FDCPA and the FTC Holder Rule. I have attached a formal Rejection of Validation letter to this complaint.

I request that this invalid account be immediately deleted from all credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding improper application of payments and incorrect interest accrual on my auto loan with Santander Consumer USA. 

After reviewing my full payment history, I discovered that multiple payments made between XXXX and XXXX including early payments and additional payments were not applied to principal. Instead, Santander treated these payments as advance payments while continuing to charge daily interest. 

During XXXX  months in XXXX, my loan balance remained unchanged at {$12000.00} despite consistent monthly payments and extra payments, resulting in excessive and unjustified interest charges. Interest postings of {$17.00} continued even when payments were made early. 

Some lump-sum payments were partially applied to principal only when Santander chose to do so, while earlier payments were not, demonstrating inconsistent and improper payment allocation practices. 

I am requesting : A full transaction-level accounting showing how each payment was applied ( principal vs. interest ). 

Reallocation of all misapplied payments to principal. 

Recalculation and refund/credit of improperly charged interest. 

Written confirmation of the corrected balance. 

I have already submitted a written Notice of Error to Santander and am requesting regulatory review due to ongoing servicing issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Based on my records, this account is over XXXX years old and should no longer appear on my credit report. I am requesting that this account be investigated and permanently removed from my credit file. 

Please provide written confirmation once this matter has been resolved. If you are unable to verify this account within the time allowed by law, it must be deleted

Company response to consumer: Closed with non-monetary relief