vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX Credit card ending in XXXX Capital one Incorrect Adjustment to Dispute Credit I am writing to report an incorrect adjustment made to my account following a dispute. I previously disputed a missing item valued at {$200.00}, and my bank issued a credit for that amount. Separately, I worked directly with the merchant ( XXXX ) regarding another missing item valued at {$40.00}. The merchant later issued a refund for that amount. I did not dispute the {$40.00} item with my bank. However, the bank incorrectly applied this refund to the {$200.00} dispute and deducted from the credit that was already issued. These are XXXX separate items and XXXX separate transactions. I have provided documentation showing that the {$40.00} corresponds to a different product. I am requesting that this error be corrected and that the full {$200.00} credit be restored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
I am disputing both the accuracy of the balance and my liability for the funds on my closed account with USAA Federal Savings Bank. USAA initially stated that my account was overdrawn by {$14000.00}, but has now increased the claimed balance to {$17000.00} without explanation. The unexplained increase in the claimed balance from {$14000.00} to {$17000.00}, along with the lack of transparency into how either amount was calculated, raises serious concerns about the accuracy and reliability of USAAs accounting. This balance arose during a bank impersonation scam in which a fraudster posing as USAAs fraud department obtained one-time passcodes and gained access to my account. The fraudster directed me to follow instructions under the false belief that I was securing my account. I did not initiate or authorize any mortgage payment disputes or any transfers between checking accounts. Those actions were initiated by the fraudster during the account takeover. The only actions I personally performed were under their direct instruction during the scam, including Cash App transactions made while I believed I was working with my banks fraud department. This was a single continuous fraud event involving impersonation and account takeover, not ordinary authorized activity. Based on my records, I had approximately {$8000.00} in my USAA account, approximately {$7000.00} in my XXXX account, and approximately {$7500.00} in mortgage payments that were reversed. Approximately {$25000.00} was sent out through XXXX XXXX. These figures do not reconcile with a negative balance of {$17000.00}. Additionally, a {$4900.00} transfer from XXXX to USAA was later reversed through the XXXX system, and it is unclear how this transaction was accounted for. USAA has not provided a complete transaction-by-transaction accounting or explanation supporting the claimed balance, nor adequately addressed the fraud circumstances.

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 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I was falling behind from lack of work due to business license, lapsing, and a defaulted boarder I had in my home I went into a payment plan with Shellpoint Mortagge starting a repayment plan earlier this year I made the down payment and wasnt able to make XXXX payment so that canceled it and then I called them back and wanted to do loss mitigation again and see if I couldnt do any kind of forbearance or deferment to catch up and they said that my loan to evaluate ratio didnt allow me to do those things because my house is worth a lot so they said I could do another payment plan and I got approved but they wouldnt let me start the payment plan until they heard back from their lawyers about foreclosure and I said well Im in XXXX mitigation. Why are you pursuing foreclosure? Well this is our process and so my loan was nowhere near foreclosure and now its in it and I still havent got the final approval yet and Ive been waiting 10 days for that. So I believe they participated in dual tracking and they added more money for me to pay back in the form of legal fees that are not necessary to reinstate a loan

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 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is reporting a debt I already paid to XXXX XXXX Co. I have a receipt, but Hunter Warfield refuses to remove it. This is preventing me from getting an apartment. They further then told me they sold it to XXXX and are now trying to get in contact with them but are having a hard time. I attempt to search XXXX company, but nothing comes up so I am not sure who these people are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA 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 non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX vehicle was declared a total loss. I had XXXX insurance through XXXX XXXX, which was intended to cover any remaining balance after my primary insurance settlement. After the loss, I contacted Mazda Financial Services and informed them that the XXXX insurance company required documentation that I did not have access to, including a payment history and bill of sale. I was advised by Mazda Financial Services that they would submit the required documents directly to the XXXX insurance provider. I relied on this representation. However, I have now obtained written confirmation from the XXXX insurance provider that the claim was denied because the required documentation was not received within the 90-day deadline. These documents included lender-controlled records that Mazda Financial Services had in their possession. Mazda Financial Services failed to submit the required documentation within the required timeframe, which caused the XXXX claim to expire on or around XX/XX/XXXX. Additionally, I was never contacted, billed, or notified by Mazda Financial Services of any remaining balance after the total loss. I only became aware of this alleged debt more than a year after the loss when I was applying for housing. As a result of this inaccurate credit reporting, I was denied housing. This balance exists solely due to Mazda Financial Services failure to submit required XXXX documentation after advising me they would handle it. I have attempted to resolve this directly with Mazda Financial Services, but I have not received a clear explanation or resolution. I am requesting that this matter be investigated and that the inaccurate balance and negative credit reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I had previously informed PenFed that the form they sent XXXX was not completed properly. They stated they would take care of it so my stolen funds could be restored. They did not. I received the attached letter from XXXX explaining the information that PenFed should have provided. I request they provide the correct information to XXXX so my funds, that they allowed to be transferred from my account without my knowledge or permission to be restored.

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 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
Representatives from this organization have texted my boss, and embarrassed me. I spoke with a representative named XXXX who was rude and unapologetic. I asked for proof of this debt because I do not have an XXXX, and when I contacted the hospital they stated they do not have a record of this alleged stay. Now this company ( central portfolio control ) has reported this on my credit report, further affecting my ability to obtain reasonable credit. This company should be ashamed of these XXXXXXXX XXXX XXXX XXXX XXXX XXXX as well. I have asked several times for credible proof that I owe this debt, and no one can provide it. I am expecting this removed from my credit report immediately, and at this point I am going to be looking to be compensated for my time and embarrassment this has caused- especially for a debt that no one can prove I owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
XXXX XXXX made good faith payment {$50.00} agreed since they wouldn't honor the {$1100.00} settlement that they would accept {$1400.00} at {$77.00} each month. I was awaiting the documentation XXXX XXXX debt sold. I have a screenshot of the online Portal with proof. XX/XX/XXXX I called to pay {$1000.00} off the amount and was told they sold the debt to XXXX capital. I requested proof and was not given anything I have recorded call with rep who said that this is a business decision and happens all the time It was also reported to my credit. After I've been working so hard to repair my credit it dropped XXXX XXXX office reviewed and said that XXXX XXXX XXXX my prior arrangement and that I'm supposed to pay the full amount reported that's incorrect. Employee id XXXX - apurva placed me on hold because she had to read the notes them ended the call. I called back and I wasn't able to get anyone back on the phone XX/XX/year> XXXX XXXX was the rep at executive office

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Collectors International, Inc.
State: GA

Complaint narrative:
I have repeatedly told : DCI XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX That I am represented by counsel, yet they continue to contact me at all times of the day. My attorney is : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, New Jersey XXXX Office : ( XXXX ) XXXX Fax : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: PA

Complaint narrative:
Approximately XXXX months ago in XXXX, I called my credit card company first digital about getting a payoff and closing the account. I have been struggling since the pandemic to increase my credit score and was able to pay off this credit card and close the account. After the company provided me a payoffs I providing a form of payment and paid the credit card off requesting it to be closed. Approximately 30 days later, I was getting calls from the company saying that i owed interest due and that I needed to pay it before the account could be closed. I assume they were correct and paid another additional {$64.00} in what I assumed was interest again asking for verification thatd the account will be closed and it will no longer reflect as an open revolving account, they promise the account is closed and I would no longer receive any charges. That was not the case within the next 30 days I received another bill for a different amount asking for the interest to be paid at that point I called the company told me that it was interest accrued. I was arguing and asking how interest could accrue on a closed account. They told me it was a fee that had to be paid. I did not pay it. Im still getting billed. The amount keeps changing and now they are threatening to turn it over to a credit report. I dont know what else to do. They refuse to close the account and they keep trying to get more money out of me every month I have cut the card up. Have not used it or utilized the account in anyway since originally the payoff enclosure I am at wits end Im struggling to keep my credit score so that I can purchase my first home at 60 years of age. I am so tired of being ripped off by companies who always have the upper hand I please beg of you for your assistance to help me get this company to close this account properly. I have documentation of my payments and the dates they were paid for proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westcreek Financial
State: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Koalafi Attn : West Creek Financial , Inc. XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX Re : Account # XXXX NOTICE OF DISPUTE, VIOLATION OF CONSUMER LAWS, AND DEMAND FOR IMMEDIATE CEASE OF COLLECTION To Whom It May Concern, I am writing to formally dispute the above-referenced account and to notify you of multiple violations of federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable bankruptcy protections under federal law. This account was included in a XXXX XXXX bankruptcy and has been discharged. As such, any attempt to collect on this debt is a direct violation of the discharge injunction under 11 U.S.C. 524, which prohibits any act to collect, recover, or offset any discharged debt as a personal liability of the debtor. Additionally, I previously issued a Cease and Desist notice to your company. Despite this, you have continued collection efforts, which constitutes further violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which requires you to cease communication upon written notice. Your continued actions may also constitute : Unlawful collection activity on a discharged debt ( Violation of Bankruptcy Code ) Failure to comply with a Cease and Desist request ( FDCPA violation ) Reporting or attempting to collect inaccurate or obsolete information ( FCRA violation ) Attempting to collect a debt not legally owed At this time, I demand the following : Immediate cessation of all collection activities regarding this account Written confirmation that this account has been permanently closed and no further collection efforts will occur Immediate deletion of any negative reporting related to this account from all consumer reporting agencies Verification, in writing, that you will comply with all federal consumer protection laws moving forward Be advised that failure to comply with this notice will result in further action, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action for willful noncompliance and damages. This letter serves as a final notice to cease all unlawful activity related to this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account that has reappeared on my credit report through XXXX XXXX. The account in question is with XXXX. This account does not belong to me. I previously disputed this account, and it was removed from my credit report. However, it has recently reappeared on my credit file through XXXX XXXX, which is both concerning and frustrating. I would like to emphasize the following : I did not open or authorize this XXXX account. The account was previously investigated and removed. It was reappearance back on my credit report. It reappear back on credit bureau XXXX which a new debt collector company Harris & Harris LTD that show on my XXXX XXXX. I tried to dispute it but there was't there for that account to choose from to pick to dispute it. I suggests an error or improper reporting by the phone company and the debt collector Harris & Harris , LTD . I respectfully request that this matter be investigated promptly. Specifically, I ask that The account be verified for accuracy and ownership. If it can not be properly verified, it be permanently removed from my credit report. Steps be taken to ensure this account does not reappear in the future. Please investigate this account and remove this account from my credit report permanently from my credit report. I appreciate your prompt attention to this matter and your assistance in ensuring the accuracy of my credit report. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: Bilt Technologies, Inc.
State: NY

Complaint narrative:
I am disputing the accuracy of my credit card balance following the transition of the Bilt credit card program from XXXX XXXX. My XX/XX/year> statement shows a balance of {$2800.00}. An automatic payment for that amount was initiated on XX/XX/year>, but the same amount was subsequently returned to my checking account on XX/XX/year>. As a result, that balance remains outstanding. However, my XX/XX/year> statement also reflects an additional payment of {$5400.00}. This amount does not correspond to any transaction from my bank account, and I can not identify the source of this payment. Following this, my account showed a credit balance, which was later removed through a bank adjustment on XX/XX/year>, bringing the account to XXXX. After the transition to the new Bilt system, my account now shows a balance of approximately {$5600.00}. Neither Bilt nor their servicing partner has been able to provide a clear reconciliation showing how this balance was calculated, including how the {$5400.00} entry was treated. I am requesting a complete accounting of my balance, including : 1 - The source and nature of the {$5400.00} entry 2 - How that amount was applied or reversed 3 - How my current balance was calculated following the transition I have supporting documentation, including statements and bank records, demonstrating that this amount does not correspond to any payment made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I tried opening bank accounts with all the major bank like XXXX, XXXX, XXXX XXXX, Bank of America Denied by all banks

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