vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I have requested that Ally financial remove this report off of my credit through all of the credit bureaus because it was fraudulently signed by someone else using my name. It is affecting me severely as I am unable to obtain a home for my XXXX XXXX XXXX, one with a disability because of this fraudulent report on my credit. They not provided any evidence that I was physically there in person signing these documents allegedly accepting to be a cosigner for this auto loan. I am denying any and all responsibility for this loan as it was signed fraudulently by someone else not by myself. I am requesting this be removed from all of the credit bureaus underneath my name and Social Security.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
WellsFargo was providing wire services online to me in order to pay contractors -- a service offered to all clients -- and they are refusing access to that service without prior notice. They have stated that my new mobile telephone number makes me ineligible for the service, yet the number was changed a month ago and I was never informed that I would lose access to services. I only found out when I went to pay my employees on the XXXX of the month, and after an in-person visit and escalation, I was informed that I could not use their online wire transfer services.

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 2026-03-05 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Case ID : XXXX I am filing a complaint against Citibank for failing to properly investigate my credit card dispute for {$63.00}. Citibank denied my dispute on XX/XX/year>, incorrectly claiming that " The merchandise is still in your possession. ". This claim is factually false. My provided evidence proves the merchant received the returned item : - I returned the merchandise using the merchant 's provided XXXX return label. - The XXXX tracking number is XXXX. - XXXX successfully delivered the package on XX/XX/year>, at XXXX XXXX. - The package was delivered to XXXX, SC. - The delivery address of XXXX XXXX XXXX XXXX, XXXX, SC XXXX is the official XXXX XXXX XXXX XXXX . Because the merchant safely received the returned merchandise, I am no longer in possession of it and am entitled to my refund. Citibank failed to verify basic tracking data before reversing my conditional credit.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Hello please review the attached document and provide documentation that verifies this debt is mine. This information has been deleted before and keeps reappearing. Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am not responsible for these accounts ; they must be deleted within XXXX days pursuant to USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNIVERSAL ACCOUNTS LLC
State: CA

Complaint narrative:
I am disputing a medical bill from XXXX XXXX XXXX XXXX for an XXXX performed on XX/XX/XXXX. The total billed amount of {$9800.00} significantly exceeds customary regional rates, resulting in a patient responsibility of approximately {$1700.00} that I believe to be unreasonable. I contacted XXXX XXXX in writing on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as by phone on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In each communication I formally disputed the charge and requested no collection activity be initiated. XXXX XXXX never responded in writing to any of these contacts. Despite my active, documented dispute, XXXX XXXX referred the account to Universal Accounts, LLC in XX/XX/XXXX. On XX/XX/XXXX I sent Universal Accounts a written debt validation request via certified mail. Universal Accounts continued collection activity including multiple voicemails and an email on XX/XX/XXXX without providing proper validation. The document they ultimately sent contains only an account statement, which does not constitute valid debt verification under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
I am disputing a collection account being reported by Source Receivables Management on my credit report. The balance reported does not match the balance information provided to me by the original creditor, XXXX. I was quoted a different total balance and settlement amount than what is currently being reported to the credit bureaus. Additionally, a settlement arrangement appears to have been documented without my consent. Because the balance and terms being reported are inconsistent and inaccurate, I am requesting that this account be investigated and removed from my credit report if it can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC/CREDIT ONE BANK N A XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ProCollect, Inc.
State: GA

Complaint narrative:
The company ProCollect Inc has failed to provide means to collect payment for the collection

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
PORTFOLIO CREDI is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO CREDI 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 - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
my brother passed away on XX/XX/year>. One XX/XX/XXXX I brought the death certificate into bank of America in person. they told me all accounts would be closed as of that date. A CD had just renewed on XXXX XXXX is a 7 day grace period to stop the renew I figured they stopped the renew on the CD and that the money would go back into the checking account it came from. there was a POD order on his accounts. there was also a house and a old truck. He left a will leaving everything to me. I hired a lawyer to handle the probate which because of the POD on the money only the house and old truck were part of the probate. I had to fight Bank of America to get the money, they tried to tell me they needed more court documents. I had to keep reminding them of the POD order. Finally they gave me the money in XXXX, The Probate also ended in XXXX and I was declared sole beneficiary. Then in XXXX I got a notice the CD was going to renew again, they had not canceled it. I called them back again and they said this cd did not have a POD order on it. and that I would have to have it added to probate. I gave them a copy of the court order stating I was the beneficiary and they are dirtected to comply and pay the beneficiary they have refused me twice

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I visited a Chase branch on the morning of XX/XX/year> to break and close my Certificate of Deposit ( CD ) with a balance of {$10000.00}. A banker processed the transaction in the branch. However, after the transaction was completed, the funds did not appear in my checking account and there is no pending transaction showing in my account history. I was also not provided with any receipt for the transaction. The banker initially told me the funds would appear within XXXX hour, then later said by the end of the day, and then the next morning. As of today, the funds are still missing. I have contacted Chase customer service multiple times and obtained a case number, and I also contacted the banker but I have only been told to wait several more days without any clear explanation or timeline. I also submitted a complaint through the Chase secure message system, but the response did not resolve the issue and simply instructed me to call the customer service number again. Customer service representatives have already informed me that they can not resolve the issue. At this point, approximately {$10000.00} of my funds can not be located. I am requesting regulatory assistance to investigate this issue and ensure the missing funds are promptly returned to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On XX/XX/year> I reached out to Sofi Bank to discuss the interest rate on my personal loan with the institution. I also have a checking account, savings account, and credit card with them. Before they would discuss anything about my account, they initiated an enhanced ID verification which consisted of taking a photo of my government ID and then scanning my face with my mobile phone. After 7 attempts to complete the verification, I was notified that it had failed and that all of my accounts were being restricted. I indicated to them that I had lost close to XXXX lbs since the ID photo was taken and that my facial contours were changed based on the weight loss. They opened a ticket to investigate the matter and now I can not access any of my money or pay any of my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Credit was pulled with out authorization XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding the closure of my XXXX credit card account issued by Comenity Bank. This account had been open for approximately 18 years and represents the longest standing tradeline on my credit file. The account has always been maintained in good standing with a positive payment history and no delinquencies. After a prior period of inactivity, I resumed using the account in 2021 and continued to maintain it responsibly. Despite this history, Comenity Bank closed the account citing inactivity. This reasoning appears inconsistent because the account had remained open through earlier periods of inactivity for many years before I resumed using it again. Additionally, I was never notified that the account was being closed. I did not receive any notice by mail, email, or secure message from Comenity Bank informing me that the account would be closed or had been closed. I only discovered the closure through a credit monitoring alert from a credit bureau. Closing an 18-year credit account without any notification has significantly harmed my credit profile by impacting the length of my credit history and overall creditworthiness. Long-standing accounts are a key component of credit scoring models, and the sudden removal of my oldest account caused measurable damage to my credit standing. I attempted to resolve this matter directly with Comenity Bank but have not received a satisfactory explanation or resolution. Given the length of the relationship and the accounts positive payment history, I am requesting that Comenity Bank conduct a formal review of this decision and the circumstances surrounding the lack of notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Complaint : Against M & T bank Product : Mortgage Issue : Struggling to pay mortgage/Loss mitigation I am submitting this complaint regarding M & T banks handling of a mortgage loan the death of the borrower, the borrower passed away and I am the heir and executor of the estate I have contacted M & T bank multiple times and submitted written request asking to be recognized as a successor in interest and to discuss loss mitigations options for the loan.Despite these written requests M & T bank representatives continue to state that they can not assist or review any mortgage assistance options unless the deed is first transferred into my name or the property is formally awarded to me through probate.I was also told that the bank will not accept partial payments and that the full delinquent amount must be paid in full immediately additionally, I have been informed that a letter is being sent regarding the start of foreclosure proceedings even though I have been attempting to work with the bank and have requested assistance.A charitable organization the wounded warrior project has mailed a payment of XXXX to M & T bank to help reduce the delinquency but I was told the bank may refuse to accept it because the full balance is not being paid, I believe M & T bank is failing to properly recognize my rights as a successor in interest and is ignoring my written request for assistance.I am requesting that M & T bank acknowledge and review my documentation as a successor in interest, provide a formal review for loss mitigation options and confirm acceptance and application of the {$1500.00} payment being sent by the wounded warrior project and confirm that foreclosure proceedings will not move forward while this matter is under review.

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 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One , N.A . has unlawfully refused to recognize the authority of a duly appointed Successor Trustee of two irrevocable trusts, despite receipt of a valid, notarized trustee removal and appointment instrument executed by the Creator of those trusts. Over the course of nearly two weeks, Capital One has : ( 1 ) refused to act on a legally sufficient notarized instrument ; ( 2 ) applied revocable trust procedures to irrevocable trust accounts a fundamental legal error ; ( 3 ) improperly disclosed the Complainants legal demand letter to the removed trustee on a shared email thread ; ( 4 ) refused to act at a branch visit without the cooperation of the removed trustee, which is not legally required ; and ( 5 ) blocked the Successor Trustees access to accounts into which rental income from trust-owned real property is actively being deposited, causing ongoing and accruing financial harm to the trust beneficiaries. Capital One has not responded to a formal demand letter, a revised demand letter, or a direct email to the CEOs office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Disputed transactions that were made with debit card. Fraud department cancelled debit card completely. No notice given. No phone call. No email no text message nothing. I had to call in to customer service to find out why my card was not working when I tried to order food. I was told I had too many disputes. I can not apply for a new debit card until XX/XX/year>. Other banks have just issued me a new debit card. I am XXXX. My monthly XXXX XXXX goes into this account. I use my debit card to pay my bills get gas but groceries and food. I can not believe wells Fargo bank would do something like this but I've been warned about this bank how they mistreat XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation