vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BALANCED HEALTHCARE RECEIVABLES, LLC
State: SC

Complaint narrative:
I am attempting to verify a medical debt of {$1600.00} related to a visit on XX/XX/year>. The original provider is XXXX XXXX XXXX, and the account was placed with the collection agency Balanced Healthcare Receivables. I have made multiple requests to XXXX XXXX XXXX for a copy of the original billing statement. They have stated that the bill is no longer available due to a third-party vendor retention policy and have only provided unreadable screenshots of internal data. I have not been provided with a clear, itemized billing statement showing what I was charged or what was originally sent to me. I also disputed the debt with Balanced Healthcare Receivables and requested that communication be handled in writing. After doing so, my account access was removed and I have not received further validation or communication. The collection agency has indicated that they rely on the provider for documentation, but the provider has not been able to supply a valid bill. At this time, I have made good-faith efforts to verify this debt but have not been provided with sufficient documentation to do so. Without a readable billing statement, I am unable to verify the validity or accuracy of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: OH

Complaint narrative:
Zion Debt holdings is trying to collect a debt from back in XXXX the I dont owe anything to them or anyone.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I opened a promotional financing account for an HVAC system with deferred interest terms from air mechanicals. While promotional information may have appeared on billing statements, the accumulating deferred interest and the retroactive financial impact were not presented in a clear and conspicuous manner for a reasonable consumer to understand the consequences if the balance was not paid in full before the promotional expiration date. I intended to pay the balance before interest applied and immediately paid the account once the full impact of the deferred interest became apparent. The resulting interest charges were significant and unexpected based on how the information was presented in billing statements. Wells Fargo reviewed my complaint internally and denied reimbursement, stating disclosures were present. My concern is not the existence of disclosures but whether promotional financing disclosures met transparency and consumer understanding standards. Wells Fargo also stated there were alerts but I did not recieve any alerts but while looking at my paycheck I noticed charges on my account which is how I found out they were taking money from my account. I paid off the balance in full as soon as it was apparent to me. I am requesting regulatory review and reconsideration, including a goodwill reversal of the promotional interest charges.

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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: FL

Complaint narrative:
On XX/XX/2026, Kimball Tirey & St. John ( XXXX ) received my certified written request for debt validation via XXXX XXXX Mail ( I have the signed return receipt as proof ). As of today, XX/XX/2026 30 days after confirmed receipt XXXX has failed to provide any debt validation whatsoever. Under FDCPA 809 ( b ), they are now required to cease all collection activity, including credit reporting, until they provide full validation. Despite this, the {$8100.00} collection account remains active on my XXXX XXXX and XXXX credit reports, directly preventing me from securing housing. I am requesting that the CFPB compel XXXX to immediately cease reporting this debt and delete it from all three credit bureaus. I have active CFPB complaints already filed against the bureaus under complaint IDs XXXX ( XXXX ) XXXX XXXX ( XXXX ), and XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I used the XXXX service through my banking app to send {$50.00} to an individual using the phone number XXXX. After the payment was completed, I realized this was a scam as the recipient stopped all communication and did not provide the promised items. I immediately contacted my bank to report this fraud and requested a claim investigation. However, the bank denied my request, stating that since the transaction was authorized, they are not responsible for the loss. I believe the bank and the XXXX XXXX should have better fraud protection measures for such clear cases of scamming, and I am seeking assistance in recovering these funds.

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I took out a {$2300.00} installment loan with OppLoans at a 159 % APR. The total repayment is over {$6000.00}, which is not affordable and creates financial hardship. The interest is excessive and predatory, and I am unable to keep up with payments. I am requesting a reduction in the balance and removal of excessive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a purchase through XXXX in the amount of {$170.00}. The item I received was defective and not as described. I made multiple attempts to resolve the issue directly with the seller, but they were uncooperative and failed to provide a resolution. I have documentation from a professional truck dealership confirming the parts were defective and showing the associated costs. I was unable to return the parts because they required a {$1000.00} core charge ( {$500.00} per part ), which the seller refused to cover. Additionally, I was informed that even if I returned the parts, there was no guarantee that I would receive a refund. I then escalated the issue through XXXX resolution process. Over the course of approximately two months, XXXX failed to provide meaningful assistance and only offered general suggestions rather than enforcing their buyer protection policy or issuing a refund. After exhausting all options with the seller and XXXX, I filed a dispute with my bank and provided supporting documentation demonstrating that the merchandise was defective and that I made good faith efforts to resolve the issue. Despite this, my bank denied my claim and stated that there was nothing further they could do. I believe my bank failed to properly investigate this dispute and did not adequately consider the evidence provided. This transaction should be treated as a billing error due to defective merchandise and failure of the merchant to provide goods as described. I am requesting that my bank reopen the investigation, conduct a proper review of the evidence, and issue a refund for the disputed amount of {$170.00}.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted the merchant ( operating as XXXX XXXX XXXXXXXX via the website XXXX XXXX XXXX XXXX to formally request the immediate cancellation of my recurring subscription and to revoke my authorization for any future charges to my debit card. The company responded through their agent ( XXXX XXXX, explicitly refusing to process my cancellation. They stated that, according to their internal policy, I am not allowed to cancel until a second order has been created and charged. I have already notified the company that I am revoking their authorization under the Electronic Fund Transfer Act ( Regulation E ). Despite this, they continue to insist on charging my account for approximately {$200.00} on XX/XX/year>. This practice of forcing a second payment before allowing a cancellation is a violation of consumer protection laws regarding preauthorized electronic fund transfers. I have attached a screenshot of the agent 's refusal as proof of this predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was involved in a motor vehicle accident on XX/XX/2020. My auto loan was through Regions Bank and I had GAP Coverage on the vehicle as I only had the vehicle for a year. They are now saying that I owe approximately over {$900.00} regarding this loan but I have not received any documentation nor have I found where to request documentation from them regarding this loan. They have had major hits on my credit without providing any information regarding the {$900.00}. I have made multiple dispute request only for them to continue to say that what I owe is accurate without providing any statements, ledgers, etc.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am submitting this complaint regarding deferred interest charges applied to my Comenity ( XXXX ) credit card account. I financed a XXXX medical procedure using a XXXX deferred interest promotional plan. For the total amount of {$4400.00} on XX/XX/XXXX. I set up automatic payments from the beginning and made every payment on time for the full duration of the promotion. My intent was to fully satisfy the balance within the promotional period. At the end of the XXXX period ( XX/XX/XXXX ), a very small balance of approximately {$17.00} remained. This balance was primarily the result of recurring {$2.00} paper statement fees that were added monthly and not fully accounted for in my automatic payment setup. Because of this small remaining balance, approximately {$2000.00} in deferred interest was applied to my account. I continued making payments and have since paid off the balance in full to avoid further interest charges. After the promotional period expired, I also noticed that new payment options such as save on interest became available, which were not part of the original autopay structure I relied on during the promotional period. I contacted Comenity multiple times by phone and in writing to request a goodwill adjustment, explaining that I had maintained a perfect payment history and relied on automatic payments. My request was denied, with the explanation that the charges were valid under the terms of the agreement. While I understand the terms of deferred interest promotions, I believe this outcome is disproportionate given that the remaining balance was minimal and largely driven by small recurring fees. I made consistent, on-time payments over XXXX months in good faith. I am requesting that Comenity review this matter and consider a goodwill adjustment or partial refund of the deferred interest charges based on the circumstances and my payment history. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: NC

Complaint narrative:
Cashapp has closed my account for no apparent reason. I still had money in the account. I've had the mobile wallet called Cashapp since the year of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Beginning about 3 months ago, I requested that an old XXXXXXXX account at Citibank be closed and that a check be sent to a rollover IRA established with XXXX. After weeks with no response, Citibank admitted on the phone that it had made a mistake and would process my request immediately. After several more weeks and hours on the phone with Citibank employees ( who seem to have no idea what they're doing ), I received a 14-page form, which I signed, had my signature notarized and submitted to Citibank on XX/XX/XXXX. Another 2 weeks went by and I was then told that " processing '' takes 7 to 10 business days, 9 of which had elapsed. Yesterday, after another nearly 2 weeks, I was told that my request was still being processed but would expedited. And today, after another half hour on the phone, I was told that the bank needed yet another form completed by me -- a form I had not been sent before. I have spent hours and hours on the phone with people who have a set script and know nothing of substance of the process. I have many times asked to speak with a supervisor or person in authority and been told that they " don't accept phone calls. '' Simply put, Citibank refuses to give me my money.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi I got an alert from Experian that I applied for a credit card card for XXXX that I never applied for! Experian let me know to make a report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I would like a copy of verification of debt and the method that was used to obtain this information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am writing to dispute the validity of a charged-off account in the amount of {$290.00}. I have reason to believe this account was opened and used fraudulently and without my knowledge or authorization. This debt is not mine and appears to be the result of identity theft. I did not open this account, nor did I authorize any transactions associated with it. As such, I am requesting immediate removal of this account from my credit file and a full investigation into the matter under the provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), where applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I am filing a complaint against Freedom Mortgage regarding the unauthorized disclosure of my non-public personal and financial information. A Closing Disclosure related to my mortgage refinance was sent directly to my ex-wife, who has no legal or financial connection to this loan. She is not a borrower, not on title, not on the payoff loan, and has no authorization to receive any documentation related to this transaction. This was not a minor clerical issue or an internal labeling error. The document was sent directly to her, resulting in the disclosure of sensitive financial information to an unauthorized third party. Freedom Mortgage has attempted to minimize this issue by stating that her name was removed as a Non-Borrowing Spouse after the fact. However, this does not address the core issue the unauthorized disclosure had already occurred. Additionally, their written responses continue to misrepresent the facts by stating that the Closing Disclosure was received at my property address, which is incorrect. The document was sent directly to my ex-wife. Since this incident, I have received repeated phone calls and emails from Freedom Mortgage pressuring me to proceed with closing the loan. Despite this ongoing contact, they have failed to properly address or resolve the privacy breach. Instead of acknowledging the seriousness of the issue, they continue to push forward with closing as if this matter has been resolved, which it has not. They have also indicated that no loan restructure or meaningful resolution is available and have instead offered minor lender credits, which do not address the seriousness of this privacy breach. I have requested : A formal acknowledgment of the unauthorized disclosure A detailed explanation of how this occurred Confirmation of corrective actions A meaningful resolution To date, Freedom Mortgage has failed to take accountability for this issue or provide an adequate 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