vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
This company couldnt verify the debt in mail/writing proof ownership, they never sent who this debt was originally from

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 explanation
Consumer complaint received 2026-02-18 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: CO

Complaint narrative:
I disputed the balance of the debt that XXXX is attempting to collect. The reason I dispute the debt is due to the fact that I have written documentation from the property manager from the rental I was obligated to showing a XXXX balance, and a lease end date of the XXXX of XX/XX/year>. 

The debt is due to a prorated amount from XX/XX/XXXXXXXXXX/XX/XXXXXXXX of XXXX as they claim I was under lease until the XXXX ( completely different from the date on the lease the property manager sent me ). 

I have filed SEVERAL disputes with XXXX ( XXXX XXXX XXXX ) over the last XX/XX/XXXX years to no avail. In fact every time Ive contacted them, Ive received different answers and no resolution. The last call I made to this company, the representative and the manager refused to acknowledge anything I said and would not allow me to speak repeating are you going to pay this or not, if not Im hanging up. Its not my credit. This was repeated over and over again by this company during that conversation. 

This should be an easy resolution due to the fact I have provided emails, leases, balance ledgers, etc all showing the balance should not be owed ; howeverXX/XX/XXXXrefuses to relinquish this debt and continues to be a predatory debt collector. 

Most dates/timeline are included in the attachment sent to XXXX when I had to dispute this balance the last time ( disputed several times ). Attachment titled message.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am locked out of my prior Cash App account and can not access funds or transaction history. I no longer have access to the original phone/email, and Cash App refuses to help me verify ownership or recover the account, stating their system can not grant access but giving no resolution. I am requesting access to my funds or an official closure and release of remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I have inquiries on my report that I want to dispute because I dont recognize those inquiries on my report

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 2026-02-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
This person that I was talking to on XXXX there name was XXXX is there username before I reported them to XXXX and on XXXX XXXXXXXX XXXX and the place I got scammed is PayPal and her name is XXXX XXXX I got scammed out of {$200.00} from her. I reported her to XXXX. They havent found any violations, but Im gon na keep up with that I have proof of everything on pictures and when when she deleted some of the messages from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: MD

Complaint narrative:
On XX/XX/year>, I filed a dispute with Wells Fargo regarding a debit card transaction in the amount of {$170.00} for a XX/XX/XXXXnight hotel stay atXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX. The dispute was based on services not rendered as advertised due to significant cleanliness and condition issues with the room. 

The hotel brand ( XXXX XXXX XXXX XXXX ) acknowledged in writing that the room was substandard, including peeling and deteriorating shower fixtures, stained bedding, unclean flooring, and overall poor condition. XXXX opened a corporate case, apologized in writing, escalated the matter internally, and issued compensation in the form of rewards points. These admissions directly contradict XXXX XXXX conclusion that the service did not differ from the merchants description. 

Despite this, Wells Fargo denied my claim and later reversed a provisional credit of {$170.00}. Wells Fargo stated in writing that there is no indication the service is different from the merchants description, without addressing or acknowledging the merchants written admissions. 

I formally escalated the matter and requested reconsideration, a supervisory review, and copies of all documents relied upon in making the decision. Wells Fargo confirmed escalation to its Consumer and Small Business Executive Office on XX/XX/year> and assigned an escalation reference number. However, the executive-level response simply reiterated the original denial without addressing the evidence, explaining how merchant admissions were evaluated, or providing any documentation supporting the investigation. 

At no point has Wells Fargo : Explained how the merchants written admissions were reconciled with the denial Provided the investigative records relied upon, despite my formal request Demonstrated that a meaningful or independent review occurred at the executive level I believe Wells Fargo failed to conduct a reasonable and complete investigation, improperly reversed a provisional credit, and failed to provide transparency into its dispute resolution process. I am requesting regulatory review of Wells Fargos handling of this dispute and its claims investigation practices.

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 2026-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
We received an email from Roundpoint mortgage verifying that our loan was paid off on XXXX XXXX, XXXX. Our escrow balance as confirmed by Roundpoint was {$1800.00} the email also states a check will be issued within XXXX business days. The following are the details of the phone calls I have had with Roundpoint : XXXX. XX/XX/XXXX talked with XXXX said check mailed XX/XX/XXXX. 
XXXX. XX/XX/XXXX talked with XXXX said they would send another check. 
XXXX. XX/XX/XXXX talked with XXXX said check was mailed on XX/XX/XXXX. 

As I am sure you know per RESPA, mortgage companies are required to return escrow funds within XXXX working days. We are way past this point all I ever get from Roundpoint is the proverbial " the check is in the mail '' routine. 

Roundpoint seems to want to blame the XXXX, however, this is just an excuse. They could send the funds another way instead of first class mail which can not be traced. They could use XXXX next day air, XXXX, XXXX or even wire the funds all of which allow for tracking. 

I have been very patient and am getting nowhere with Roundpoint can you please provide assistance? 

Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: TRIAD FINANCIAL SERVICES, INC.
State: WA

Complaint narrative:
Triad misrepresented the type of loan and placed an improper lien on my paid off land unnecessarily. XXXX of 2025, I entered into a financing agreement with Triad Financial Services for the purchase of a manufactured home. I was explicitly told that this would be a land-home or land plus home loan that could be converted into real property. I was informed that this was not a personal property ( chattel ) loan and that my land would not be unnecessarily encumbered. However, after closing, I discovered the following : XXXX. The loan appears to be structured as a personal property ( chattel ) loan rather than a traditional land-home mortgage as represented to me. 
XXXX. My fully paid-off land was used as collateral, and a lien was placed on it. 
XXXX. I was not properly informed that I may have qualified for financing using the manufactured home alone. 
XXXX. The closing process was delayed due to issues on the lenders side, which caused financial and logistical hardship. 
XXXX. I was led to believe this structure was required, when in fact I owned the land outright and did not need to encumber it. 

Had I been properly informed, I would not have agreed to place a lien on my land. I believe the loan was misrepresented, and material terms were not clearly disclosed. As a result, I now have unnecessary encumbrance on real property that was previously free and clear. 

I am requesting the following : A full investigation into the representations made to me prior to closing. 
Written clarification of why my land was required as collateral. 
Review of whether this loan was properly disclosed under federal lending laws. 
Removal of the lien from my land if it was not legally required. 
Any other corrective action deemed appropriate to title home as real property. 

This situation has significantly affected my property rights and long-term financial planning. I am asking for regulatory review to ensure compliance with consumer protection laws. 

Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing in response to an account that appears on my consumer credit report and is being reported by your company. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ).

Please be advised that this is not an acknowledgment of responsibility for this debt, nor is it a refusal to pay. I am requesting verification and documentation to substantiate your claim. 
Please provide the following : The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 
The name and address of the original creditor and any subsequent owners of the debt. 
Proof that I am legally obligated to pay this debt, including a copy of the original signed agreement or contract. 
Documentation showing that your company has the legal authority to collect this debt in my state. 
The date of last payment and the date of default. 
Proof that the debt has not exceeded the statute of limitations for collection. 
Until this information is provided, I request that all collection activity cease, including reporting or verifying this account with any consumer reporting agency. 
If you are unable to provide proper validation, I request that this account be removed from my credit report immediately. 
Please respond in writing only. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 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: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
I received a phone call from a XXXX CA number which was XXXX ( XXXX ) XXXX and he was claiming to be a Wells Fargo agent for fraud investigation going by the name of XXXX XXXX. He told me my card was trying to be charged {$500.00} at target in another state and he was asking if it was me which I told him no it wasnt me. He then continued to say that their was a total of XXXX devices logged into my account which, XX/XX/XXXX and XXXXXX/XX/XXXX He continued to tell me that they will need to send me a new card and make me a new Wells Fargo account with new banking and routing numbers. He told me XXXX of their XXXX parties was XXXX and asked if I had XX/XX/XXXX which I told him yes I did. He then told me to transfer all the money to my XX/XX/XXXX account because they where going to wipe my Wells Fargo account and make me a new one so that my funds would be safe in XX/XX/XXXX till they made the new account. I was suspicious about it so I hung up and then he called me back from the Wells Fargo service number behind my debit card which was XXXX and that was what made me believe more that he worked for Wells Fargo fraud detection because that is what he was telling me. So I was speaking to him again and then he said they where going to give me a temporary card for the mean time until they send me a new one. He then told me to link the temporary card to my XX/XX/XXXX and remove my other card so I did just that. Once I entered the temporary card information he told me to send my money into that card which was a total of {$1000.00} so I sent it. He then asked me if it went through and I replied yes he then asked me if I wrote down the temporary card information I replied no, I did not after I said that he hung up. I tried calling the number back and never got a response. I immediately called Wells Fargo and submitted a fraud claim that day which was XX/XX/year>. I hadnt recieved any information from them back yet so I gave them a call on XX/XX/year> and asked them for an update on my claim and they said it was pending and that I should try and get a hold of XX/XX/XXXX about everything. So I contactedXX/XX/XXXX that day and they told me they couldnt do anything on their end that it had to be taken up with my bank which is Wells Fargo. So I contacted Wells Fargo again today on XX/XX/year> at XXXX MT. I spoke with a representative and she told me that the claim had been denied and their was nothing else they could do for me.

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 2026-02-18 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: MD

Complaint narrative:
According to 15 U.S.C. 1681a, LVLN is not allowed to report late payments to credit bureaus. LVLN is required to follow certain guidelines to comply with the FCRA, and failure to do so may result in penalties and legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: KS

Complaint narrative:
Got email alerts on XX/XX/year> of checking and savings account being opened as well as online banking, also got a alert to resume a personal loan application. 

I promptly called the fraud team around XXXX XXXX  on XX/XX/year> they claim that a identity theft/fraud case was opened. 

I later tried to call identity theft team to try to get this resolved on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and have not been able to get through at all endless hold times because they are not answering there phones. I have sat on hold in excess of 5 hours. As of this time writing this on the XXXX of XXXX I called the moment they opened and have been on hold for 2 hours and counting. 

On XX/XX/XXXX I got alerted that the alerts email address was changed to a different email address. The fraudster initially opened it with my email address, social, and a old phone number of mine at a minimum. 

A agent told me the address they currently have does not match my current address so I'm not sure if they used a old address of mine or some other address XXXX is only showing that truist pulled the file via XXXX XXXX XXXX XXXX I have opened a case with the following XXXX XXXX XXXX XXXX police department Fraud alerts have been placed on my credit reports

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I opened a Wells Fargo checking account in XXXX. My statements consistently showed that maintaining a {$500.00} minimum daily balance would avoid the monthly service fee. Based on that requirement, I kept approximately {$620.00} in the account to prevent fees. 

Without my awareness, Wells Fargo changed the minimum balance requirement in late XXXX. As a result, I was charged : {$10.00} in XX/XX/XXXX {$15.00} in XX/XX/XXXX {$15.00} in XX/XX/XXXX When I contacted Wells Fargo, they refunded XXXX and XXXX fees ( {$25.00} total ) but refused to refund the XX/XX/XXXX {$15.00} fee. I was not clearly aware that the minimum balance requirement had increased from {$500.00} to {$1500.00}, and I relied on the previous stated requirement when maintaining my balance. 

I have since closed the account. I am requesting review of whether adequate and clear notice was provided regarding the change in minimum balance requirements and the increased monthly fee, and I am seeking a refund of the remaining {$15.00} XX/XX/XXXX service fee. 

Thank you.

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 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
While traveling, an item we had recently purchased was stolen. After filing a police report we contacted our credit card which has purchase protection as a benefit. After filing the claim, the insurance provider who provides this service issued a denial stating that purchase protection does not cover items stolen while traveling on a carrier unless they are hand carried and under our supervision. In this case the item was hand carried and under our supervision, so we requested that they review the case and respond. After 2 weeks with no response I reached back out to the carrier and the very next day they issued a denial using the exact same statement from their initial denial - showing that they did not conduct a formal review. We sent a response ( attached ) after 2 months of the incident and still have not received a response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On the morning of XX/XX/XXXX I tried to log into my Marcus by Goldman Sachs account. I got notified that my account was locked and that I needed to call to gain access. After calling 4 times I finally got access to my account. We went over recent transactions on the phone and confirmed that everything was correct, no money was missing. While on the call they once again locked my account and said that they could not do anything until XX/XX/XXXX because there are pending charges. I called back again and asked to remove all money that is not involved in those pending transactions ( either move to a new account or withdraw to one of my other accounts on file ). They said that they could not do this because my account is locked. Marcus by Goldman Sachs is holding my funds XXXX and are not letting me access them/remove them from their product.

Company response to consumer: Closed with explanation