vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XX/XX/year> Credit Collection Serv Acct # XXXX XXXX XXXX XXXX XXXX, MA XXXX RE : Cease and Desist Notice 15 U.S.C. 1692c ( c ) To Whom It May Concern, This letter serves as formal notice that, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me immediately regarding the above-referenced account. 
Under federal law, once a consumer provides written notice requesting that a debt collector cease communication, the debt collector must not communicate further, except to confirm that communication has ceased or to notify of specific, lawful actions that may be taken. 
Accordingly, you are instructed to immediately stop all forms of communication, including but not limited to : * Telephone calls * Text messages * Emails * Letters * Contact through third parties * Credit reporting used as a communication tactic Any continued contact after receipt of this notice will constitute willful non-compliance with the FDCPA and may subject your organization to civil liability, including statutory damages, actual damages, attorneys fees, and court costs. 
This notice is not an acknowledgment of any debt, nor is it a refusal to pay. It is a lawful exercise of my rights under federal law. 
Please confirm in writing that you have complied with this request. 
Sincerely, XXXX XXXX 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 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
In reviewing my closing documents I discovered that Fairway Independent Mortgage Company which handled the closing of my purchase of a condo in the first part of XXXX, incorrectly showed on the Note my condo as a single family residence. They instructed the escrow company, XXXX XXXX XXXX to purchase an XXXX insurance policy, which was done and which I paid for thru escrow. 
This came to my attention in XX/XX/XXXX when I received notice from my insurance carrier that my annual homeowners premium was increasing. Upon further research I found that I am only required to carry supplemental XXXX coverage, NOT full XXXX coverage because the condo I purchased a is part of a XXXX that has an XXXX  that carries a master policy. 
Fairway Independent Mortgage immediately sold my mortgage to XXXX XXXX  once escrow closed, on XX/XX/XXXX XXXX sold my mortgage to XXXX XXXX  where it is currently. 
As this error ( that cost me money ) initiated with Fairway Independent Mortgage Company, I feel they should be held accountable. 
On XX/XX/XXXX I called Fairway Independent Mortgage Company, spoke with an XXXX XXXX and explained in detail what I discovered, she assured me with continued communications thru XX/XX/XXXX that they were " working on it ''. My last communication on XX/XX/XXXX has been met with complete radio silence. 
I wrote a Notice of Error and mailed it certified on XX/XX/XXXX and received confirmation the notice was delivered on XX/XX/XXXX. 
I have not received ANY communications from Fairway Independent Mortgage Company including the 5 day notice that my NOE was received, and I want them to own up to this error that again cost me money. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
Subject CFPB Complaint Unlawful Collection and Credit Reporting of Non-Judgment Debt Columbia Debt Recovery LLC is attempting to collect and is furnishing credit information for an alleged debt that is actively pending in a California trial court and for which no judgment has been entered. 
Despite the absence of any adjudication of liability or damages, Columbia Debt Recovery has reported a specific balance of {$22000.00}, misrepresenting the legal status of the account. 
This conduct violates : * The FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) * The FCRA ( 15 U.S.C. 1681s-2 ) * The California Rosenthal Fair Debt Collection Practices Act * California Civil Code 1785.25 ( a ) I have formally disputed the account and demanded cessation of collection and deletion of credit reporting. Continued reporting or collection constitutes knowing and willful misconduct. 
I am requesting regulatory intervention and corrective action, including deletion of the tradeline and cessation of all collection efforts. 
Desired Resolution : Immediate deletion of the account from all credit reporting agencies and written confirmation that collection activity has ceased. 
Submitted by : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am submitting this complaint because Wells Fargo allowed accounts to be opened using my identity without my authorization. I did not apply for, authorize, sign for, or consent to these accounts, and I believe I am a victim of identity theft. 

Fraudulent Wells Fargo bank account numbers associated with this identity theft include : XXXX XXXX XXXX, there is also several more that i dont have the account numbers for In addition, several brokerage/investment accounts were opened under my identity ( account numbers not fully known at this time ). I am requesting Wells Fargo identify every account opened under my SSN and personal information, including any WellsTrade / Wells Fargo Advisors / related brokerage accounts. 


Unauthorized accounts created under my identity Potential fees, negative balances, or collections risk Potential negative reporting to ChexSystems and/or credit bureaus Loss of time and ongoing fraud risk Lack of clear written confirmation that all fraudulent accounts are closed and cleare

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 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PNC Bank N.A.
State: NC

Complaint narrative:
FCRA 609 ( e ) / 15 U.S.C. 1681g ( e ) Request for Identity Theft Business Records I am a victim of identity theft and I am making a formal request under FCRA 609 ( e ), 15 U.S.C. 1681g ( e ) for records relating to the fraudulent account and transactions attempted/collected in my name. 

Fraudulent account information : [ business card ending XXXX / XX/XX/XXXX My identifying info : XXXX XXXX, XXXX : XX/XX/XXXX, last 4 of SSN : XXXX current address : XXXX XXXX XXXX XXXX, XXXX, NC XXXX I am enclosing : ( 1 ) a copy of my government-issued ID and proof of address, and ( 2 ) my Identity Theft Report ( FTC report and/or police report ). 

Please provide, within 30 days as required by 15 U.S.C. 1681g ( e ), copies of all application and business transaction records relating to this identity theft, including at minimum : the credit application and any e-sign/KBA logs ; account agreement/terms used ; complete monthly statements ; full transaction history with merchant details and delivery/shipping information ; account notes showing contact info changes, authorized users, and address changes ; any documentation supporting the collection/charge-off balance. 

This request is for the purpose of documenting fraudulent transactions and resolving identity theft. Please send the records to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
am formally disputing a wrongful repossession and inaccurate loan balance by Westlake Financial Services. 

Prior to the repossession, I was approved for a deferred payment agreement, which I executed and returned via XXXX multiple times. I relied on this approval. Despite this, Westlake proceeded with repossession of my vehicle. This repossession occurred after approval and execution of the deferment, making it improper and in bad faith. 

Following the repossession, Westlake provided inconsistent and contradictory information regarding the loan balance. I was given documentation reflecting an incorrect original loan amount. During a recorded telephone call, Westlake representatives admitted uncertainty regarding the actual loan balance, asked me what I believed the balance was, and then arbitrarily negotiated a redemption amount of {$3300.00}. This is not lawful accounting and raises serious concerns regarding the validity of the debt. 

To date, Westlake has failed to provide : A complete and accurate accounting of the loan A valid payment history Documentation supporting the claimed balance A lawful written notice of intent to sell the vehicle Additionally, the repossession was conducted under dangerous circumstances. At the time of repossession, my service animal was inside the vehicle, which was running and lawfully parked. The repossession proceeded regardless, creating a serious safety and accessibility issue.

I dispute this debt in its entirety. Westlakes actions constitute wrongful repossession, deceptive practices, and failure to comply with federal consumer protection requirements. I am requesting regulatory review and immediate corrective action. 

I possess documentation of the executed deferred payment agreement I possess recorded calls where Westlake representatives admit uncertainty and negotiate the balance I have received no lawful written notice of intent to sell

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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
ACH transfer rejected and funds held by banks payment processor with no release date. What happened : On XX/XX/year>, I initiated an ACH transfer of {$8000.00} from my Capital One savings account to my Santander checking account. The transaction shows in my account. XXXX Bank confirmed the transfer was successfully received and provided email confirmation. In the following day, XXXX notified me that the transfer could not be completed and would be returned to Capital One. However, as of today, the funds have not been returned. When I visited a XXXX branch, I was informed that the funds are being held by XXXX, XXXX payment processor, and that it could take up to 30 days to be released. XXXX provided no written notice, no tracking number, and no definitive return date, and advised me to file a claim with Capital One instead. Capital One has confirmed that the funds were sent properly and that the transfer was rejected by XXXX. Despite this, XXXX has not completed the ACH return and my funds remain unavailable. I file a claim # XXXX with Capital One but was denied. 
This complain is related to complain XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint in disgust at Citibanks handling of my credit application and its refusal to respond to my reconsideration inquiry directed to the executive department. The cold indifference of Citis leadership in ignoring my inquiry has compounded the harm and demonstrates contempt for consumer rights. 
On XX/XX/year>, I applied for the Citi Custom Cash Mastercard. The denial letter I received stated only : You have submitted multiple applications for credit. This explanation is inadequate, dismissive, and offensive. Under Regulation B ( 12 CFR Part 1002 ) and Title 15 USC Chapter 41 ( Consumer Credit Protection Act ), a refusal to grant credit in substantially the amount or on substantially the terms requestedwithout making a counterofferis unlawful. Citi failed to provide either a counteroffer or a substantive explanation. This appears to an injury induced by white supremacy racism discrimination per 20 U.S. Code 1400 ( c ) ( 12 ) ( C ), discrimination against the disabled is legally prohibited.

The denial itself is not applicable. My completed application was tendered in accordance with 12 USC 412 and constitutes security collateral leveraged to insure and guarantee issuance of the requested card. Each application carries an ascribed value of {$250000.00} silver specie coin equivalent under the U.S. Constitution. By disregarding the binding nature of a completed application, Citi has ignored its obligations under ECOA and consumer protection law. The application represents valuable consideration, a negotiable instrument tendered to cover obligations and finance charges for all billing cycles, without recourse per right to defer to 18 USC Code 8 and 15 USC 1. Retention of such instruments imposes fiduciary duties under Florida Statutes 740.05740.07, which Citi has failed to honor.

Further, the denial letter itself must be disclosed and rebutted. It is frivolous as it is unsigned by any living man or woman, and therefore lacks proper authentication, authority, and accountability. Without a valid signature, the letter can not resolve the dispute, which remains open and unresolved. Citis reliance on such a defective communication only deepens the harm and underscores its disregard for lawful process.

This complaint also serves as a notice of debt. Citis retention of my completed applications and negotiable instruments creates a financial obligation. Upon retention, I demand compensation in lawful money for the value ascribed to each application. Citis failure to recognize this obligation constitutes unfair disapproval and consumer harm, in violation of Reg B, Title 15 USC Chapter 41, ECOA, and CFPBs prohibitions against unfair, deceptive, and abusive acts or practices ( UDAAP ).

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 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: IA

Complaint narrative:
On XX/XX/year> Chime bank froze my credit, checking, and savings account restricting my online login and denying any information when called on XXXX, XXXX, and XXXX. The freeze email from chime states this was fraud, within the same hour a password reset was attempted on my meta accounts, so it appeared as actual fraud but Chime finally explained they received a garnishment order to pay {$1500.00} from my account to the county sheriff, to deliver to XXXX XXXX XXXX XXXX XXXX law office collecting my debt. The garnishing law firm confirmed XXXX cant takw withdrawals but as the account holder I still have legal ownership and access during and after said garnishment of 120 days/payment is received from the sheriff from Chime. Most importantly Chime rejected deposits from my XXXX account that just deposited to my frozen account last month, but they said the deposit wasnt to the account holders name, leading me to think chime changed account holder from me to XXXX XXXX XXXX XXXX XXXX law or are rejecting deposits illegally. My attorney also confirmed, as the account holder still, I should still have access to my bank accounts. How does Chime expect to pay the garnishment to the sheriff if they reject deposits to cover the amount owed? I have zero funds for basic living necessities until they take the money out and lift the hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: CO

Complaint narrative:
On XX/XX/XXXX, I disputed a {$310.00} credit card charge for locksmith services that were obtained through a website impersonating a legitimate business. The website refused to disclose pricing over the phone and in person and the charge was significantly higher than fair market rates in Colorado. I provided Capital One with receipts and screenshots comparing the fraudulent website to the legitimate business it was impersonating. Capital One denied my dispute twice, stating there was insufficient information. On XX/XX/XXXX at XXXX, I contacted Capital One customer service and spoke with a representative named XXXX XXXX I was told the dispute was denied due to a missing cancellation date even though my dispute was not related to a cancellation or return. So I submitted a statement to clarify that it was not related to a cancellation. I believe Capital One did not properly review my written statements or the screenshots that I submitted. I also sent a letter and sent more information online for the dispute. I request reconsideration and whether a partial refund could be considered if a full refund is not possible. I am submitting this complaint to request a higher level review of Capital Ones handling of my dispute and the denial based on reasons that do not align with the nature of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: GA

Complaint narrative:
I have brought a vehicle from Carmax. I only had it for XXXX month and it was giving me problems so it was in the shop for XXXX to XXXX months The vehicle was a lemon so they brought the car back and returned me my deposit. I have the letters to prove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 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: MI

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/year> I sent {$65.00} through Chime as part of a XXXX XXXX purchase for a couch. The seller represented the payment as refundable. The couch was never delivered and the seller refused to refund. I contacted Chime support and then Chime disputes to request recovery options and to report the recipient as a scammer. I was told that because my account was not hacked and I authorized the transfer, Chime may not be able to reverse it, and I was directed to file reports with the FTC and IC3.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I am filing this complaint regarding a PayPal balance discrepancy and related account limitation. 

My PayPal account had a negative balance. On XXXX XXXX XXXX, I received a payment in error. PayPal automatically applied that payment to the negative balance. I immediately issued a refund to the sender.

Instead of using the original payment to fund the refund, PayPal debited my linked bank account to complete the refund. That bank withdrawal completed and posted on XXXX XXXX XXXX. I have bank documentation showing the debit posted successfully.

PayPal has repeatedly stated that no bank debit occurred and has advised me to contact my bank, despite my bank confirming the transaction completed and providing confirmation of the debit.

As a result of this unresolved discrepancy between PayPals internal records and my banks records, my PayPal account remains negative and limited.

I am requesting that PayPal reconcile the ACH transaction, correct my PayPal balance accordingly, and remove the related account limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: IL

Complaint narrative:
I used Klarna to pay for a monthly service with my CPA accountant, which was intended to cover bookkeeping and preparation of business paperwork. 
After three months, my CPA cancelled the service unilaterally, retained the funds, and never provided any of the agreed services, including bookkeeping or document preparation.

I have an official cancellation letter from the CPA confirming the service termination without a refund, which proves the service was cancelled and undelivered.

I attempted to dispute this charge through Klarna and explained that I should not be held financially responsible for a cancelled service that was never rendered, especially given my long-standing history of 100 % on-time payments across multiple Klarna purchases. 
Despite this, Klarna ruled in favor of the merchant, and the account was later incorrectly reported as late to the credit bureaus. 
Because the charge is tied to a service that was cancelled and never provided, I can not be held responsible for the balance or for any late payment reporting. 
This constitutes inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ) and the FCRA-enforced consumer protections. 
I respectfully request that the late payment tradeline be removed and the account be corrected to reflect a {$0.00} balance with no delinquency, as no service was ever delivered, and the funds were retained without justification.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 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: CA

Complaint narrative:
XXXX XXXX is originally the debt collector they have address that I have never lived at XXXX requested if I. Would have information or identity that was used to open the account they said they didn't have no government issue identity they only had my personal information amd that I needed to pay this debt from more then XXXX plus years ago.

Company response to consumer: Closed with explanation